Some things in life are unexpected. If you or a covered family member experience an unexpected accident resulting in a broken bone or severe burn, individual accident insurance can help provide financial support for the expenses that come next.
While we hope that every accident results in a quick recovery, some injuries may have longer recovery times. That’s why we cover a variety of treatments.
It's simple. You don't need to answer any health or medical questions to enroll today.
You and your family staying healthy? We hope everyone has a healthy life! We'll pay you a benefit when you or your family remain injury-free for five consecutive years.²
Self-employed: If you miss work while self-employed, you’re often missing out on potential earnings. Individual accident insurance can allow you to pay for things like child care or even groceries while you're recovering from an injury.
Occupations that most benefit from supplemental coverage: There are certain occupations that may put individuals at a higher risk of accident or injury. These include:
Electricians, plumbers, and construction workers
Auto mechanics, independent contractors, and ride share operators
Photographers, painters, and gig workers
Retired: Individual accident insurance can be a great option for retirees who are living more active lives and want to protect themselves in case of an injury or illness.
* Varies by state or plan type.
1 CDC Centers for Disease Control and Prevention, National Center for Health Statistics, https://www.cdc.gov/nchs/fastats/emergency-department.htm, 2022
2 Individual accident insurance products are underwritten by The Guardian Life Insurance Company of America, New York, New York and sold directly to individuals by DTC GLIC, LLC. Products are not available in all states. Policy limitations and exclusions apply. The actual limitations and exclusions that apply to your Accident Plan are governed by the policy forms approved for use in your state. Please refer to your plan documents for a complete list of limitations and exclusions. Plan documents are the final arbiter of coverage. This policy provides limited benefits only.
Rates are guaranteed for one year for the plan of benefits initially selected. Policies are conditionally renewable up to age 75.
Accident Individual Policy Form IP-Accident: IP-ACC-16; IP-ACC-19; IP-ACC-21; et. al.
Guardian® is a registered trademark of The Guardian Life Insurance Company of America, New York, NY and is used with permission. ©2024 The Guardian Life Insurance Company of America. All rights reserved.
With the Child Organized Sports Benefit, if a covered dependent is participating in an organized sport when an accident occurs, the benefit paid will increase by 20%*
Concussions, lacerations, fractured or broken bones, dislocations, burns, surgery, coma, loss of limbs, and death
Ambulance rides, including air ambulances
Urgent care doctor visits and emergency room visits
X-rays, CT or CAT scans, MRIs, or EEGs
Hospital admission and confinement (including ICU)
Prescribed appliances, prosthetics, injury related crowns or extractions, and eye surgery or object removal
Physical therapy sessions and rehabilitation care