View accident plans by state

Enter your ZIP code to see available plans in your area.

Questions? Call 1-866-671-0378

Questions? Call 1-866-671-0378

What is accident insurance?

Accident insurance is also known as supplemental accident insurance or personal accident insurance. When you have accident coverage, there are cash benefits to help pay for expenses related to a qualifying accident. That can include things like ambulance care, physical therapy, lost wages and more. 

Is accident insurance worth it?

Accidents happen — often when you least expect them. If you have accidental injuries, medical insurance may cover some of the related costs. According to Bankrate's annual emergency savings survey, 22% of U.S. adults claim they have no emergency savings and 57% aren't comfortable with what they have for emergency savings.2 When extra expenses start adding up, that can lead to financial strain. With accident insurance, the cash benefit payout can help you pay for these expenses. 

What can I pay for using an accident insurance cash benefit?

With an accident insurance plan, you decide how to use your cash benefit. It can help you pay for expenses like:

Lost wages from missing work

High health insurance deductibles

Unpaid bills


Unexpected medical expenses

Lost wages from missing work

High health insurance deductibles

Unpaid bills


Unexpected medical expenses

What does an accident plan cover?

When you have accident insurance, you can have coverage to help pay for a variety of services directly related to an accidental injury,3 including:

  • Ambulance service

  • Hospital emergency room care

  • Physical therapy

  • Urgent care center service

  • Burns

  • Concussions

  • Dislocations

  • Fractures

  • Lacerations

Why choose accident plans from UnitedHealthcare?

Pays regardless of other insurance 

Accident insurance pays benefits, even if your main health insurance pays too.

No networks

Choose where you want to get care.4

Multiple benefit levels

Choose a monthly cost that works for you.

Cash benefits

Get money to help cover unexpected medical costs and health insurance gaps, like high deductibles.

Frequently asked questions

Browse these common questions about accident coverage to learn more about how these plans may help ease your financial concerns and maybe even some of your worries if an accident happens.

Explore more supplemental plans

View more plans, like dental, vision and other cash-benefit plans, that offer coverage for expenses not covered by a medical plan.

Need help finding a plan?

Answer a few questions to see which insurance options may be available for you.