(Provided by American National)

Why is an Accident Plan important?

No matter how careful you are, accidents can happen to anyone, anywhere, anytime.

Whether you twist an ankle stepping off a curb, or have a common sports injury, most people aren’t prepared for the cost of treating an injury.  The cost of paying for an accident can be a serious pain.

Medical expenses are one of the biggest financial hardships for Americans every year. Americans visit the doctor on average 68.2 million times a year to treat injuries.

Beyond covering medical expenses, your injury could put you at risk of missing work, which adds to the stress of paying your mortgage, utility bills, and putting food on the table for your family.

Most Americans don’t have a rainy-day fund to cover unexpected medical expenses when accidents strike — 6 in 10 Americans don’t even have $500 in savings. That’s where accident insurance comes in.

Accident insurance can be a safety net to help cover medical and non-medical expenses that accompany an accident. This coverage can be a huge relief during an already financially stressful time for you and your family.

But what exactly does accident insurance cover during your time of need?

From medical bills to rent and groceries, here’s what an accident insurance plan covers and how it can help you get back on your feet quicker.



Accident insurance helps provide financial protection from the extra expenses that come with an accidental injury.

Inpatient and Outpatient benefits include:

  • Hospital Admission Benefit: pays benefit for hospital admission as a result of a covered accident
  • Hospital Confinement Benefit: pays a daily benefit for a hospital stay as a result of a covered accident
  • Preset Daily Benefits are paid for: ER visits, admission to Intensive Care Unit, surgery, anesthesia and continuous care, physician office and wellness visits
  • Diagnostic, X-ray and Lab Benefit: pays a benefit for diagnostic tests, x-rays and lab work
  • Ambulatory Surgical Center Benefit: pays a benefit for surgery performed in an ambulatory surgical center resulting from a covered accident
  • Lump Sum Benefits: are paid for accidental death, common carrier, dislocation, fracture and burn.
  • Additional Benefits: ambulance services air and ground, lodging, transportation and prosthesis
  • 3 Plan choices available
  • Spouse and dependent coverage available


  • Available for Employee ages 18-74
  • Must be actively at work a minimum of 20 hours per week at usual place of employment
  • Must be part of an eligible class on employer’s application


  • Available for Spouse ages 18-74
  • Dependent Children (unmarried) ages 0-25
  • The date the Employee is eligible for coverage, or
  • The date the Employee acquires an eligible dependent