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Accidental injury insurance

Even with health insurance, an accident could leave you in a financial bind. Get more protection with an accidental injury plan.

What’s accidental injury insurance?

It’s coverage that helps pay for medical costs after unexpected injuries. 

Primary health insurance doesn’t always fully cover expenses related to major injuries. So you and your family could owe thousands in bills. 

Accidental injury insurance helps fill the gap.

Examples of when it can help

  • If you get injured while participating recreationally in a sport like rock climbing, skiing or horseback riding
  • When childhood injuries go beyond bumps and bruises
  • If you have a health insurance plan with a high deductible
  • If you need rehab after an accident but your medical plan won’t pay for it 

 

What does it cover?

Accidental injury insurance reimburses you for these costs and more with no deductible:

  • Emergency care, including ambulance expenses
  • Lab tests and X-rays
  • Hospital stays, including VA hospitals
  • Doctor visits

Benefits of an accidental injury plan

Depending on your state and the plan you choose, your policy could include these helpful features and more. To go over your options with a representative, call 855-386-2350

Claim Payments Go Right to You

Get direct claim payments after an accident and use the money however you want.

Coverage for Spouse and Children

Add your spouse and dependent children under 26 years old, and they’ll get the full benefits under your plan.

Accidental Death and Dismemberment

Policies include this coverage, which pays out a benefit if you die or get seriously injured.

Protection Beyond Health insurance

Get financial support for high deductibles and other expenses that your health insurance doesn’t cover.

Why get a plan through USAA?

Service You Can Trust

We work closely with Aflac and United Healthcare to make sure they give you the same service you’d get from us.

Budget-Friendly Rates

For less than what you might pay each month for coffee, you can add thousands of dollars in protection.

Easy Enrollment

You can browse and compare plans online to find the one that’s right for you and your family.

Accidental injury FAQ

Your primary health insurance likely covers medical services related to accidental injuries. But you may have to make copayments or meet a large deductible before it starts to pay.

That’s where accidental injury insurance can help. It can cover the gap by reimbursing you for services that your health plan doesn’t pay for.

Plus, you can have claim payments sent directly to you, so you can use the money however you want. 

For example, you can use it to make rent or mortgage payments if you need to miss work due to the accident.

Need primary health insurance?

Your wallet is best protected when you have both a primary policy and supplemental health insurance. Start with a primary plan that meets your specific needs.

Other plans to keep you healthy

Dental

Find dental plans that cover cleanings, fillings and more at a low monthly cost.

Vision

Get access to the largest network of doctors through VSP® Individual Vision Plans.

Supplemental

Accidental injury, critical illness and cancer plans fill gaps in your medical insurance.

Get coverage for the unexpected.

Accidents can happen to anyone. Make sure you and your family are protected.