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Accident Insurance

Create memories. Prepare for the unexpected.

Get accident insurance* and receive a cash payout if you’re unable to work because of a covered accident.

*Accident Insurance includes Accidental Death and Dismemberment ("AD&D") and Temporary Total Disability ("TTD”) protection and benefits.1 Insurance described is offered through Ouro Insurance Agency, LLC2 and underwritten by Federal Insurance Company, a Chubb company. Product availability may vary by state.3

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After an accident, your focus should be on recovery, not worrying about expenses.

No medical exam required

Guaranteed approval for adults under 65

Quick responses to claims

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Is accident insurance right for me?

What is Accident Insurance?

Accident insurance is a form of supplementary coverage that offers valuable insurance benefits in case of a covered accident.

Supplemental benefits

Get financial support to help meet the unexpected costs of a covered accident.

No medical exam required

We won’t ask you to undergo any medical testing prior to applying.

You choose how to spend the payout

In case of a covered accident, payments are made directly to the policyholder.

Choose between two affordable plans

PremiumBest Value

You can cancel at any time. Policies are underwritten by Federal Insurance Company.

  1. 26 weeks (max) of temporary total disability benefits of $400 paid out each week.

  2. $50,000 for the family or beneficiary in case of a covered accidental death or dismemberment.

Standard

You can cancel at any time. Policies are underwritten by Federal Insurance Company.

  1. 13 weeks (max) of temporary total disability benefits of $400 paid out each week.

  2. $50,000 for the family or beneficiary in case of a covered accidental death or dismemberment.

AD&D and TTD are not available in all states.3

† $100,000 in case of a covered accidental death or dismemberment if you reside in a state where AD&D coverage is available but TTD coverage is not.

Get approved hassle-free

We don’t ask you to undergo any medical testing or physicals. Apply within minutes and get guaranteed approval if you’re an adult under 65.

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Couple on their phone with a claim submitted notification

Simplified claims process for when it matters most

You can call or file a claim in your coverage dashboard. Expect claims to be resolved in a timely manner.

Life is better with a plan in place

Make sure your loved ones are covered in case of an unexpected accident.

Your questions, answered.