Summer is here and I know it elicits a great sense of excitement. A time when families have barbeques and spend time at the beach, go on a camping adventure, or simply enjoy other outdoor activities. Maybe now you’re even packing your backpack to go on a nature trip. But wait, are you sure you’ve packed everything? Here’s one essential thing most people forget to pack – an accident insurance plan!
While summer usually means fun, it can also mean something else. Summer is the time when hospitals see an increase in accident-related injuries. Injuries range from a simple cut to major ones like broken bones and head and neck injuries. These unforeseen events can cause individuals or families to face a financial crisis.
If you have a high-deductible health plan, you need to meet the deductible before the insurance company starts covering your medical expenses. That would mean thousands of dollars in out-of-pocket costs just by meeting your deductible. Plus, a trip to the ER is very expensive especially if you’re being treated for a life-threatening condition. This is where accident insurance can come in handy.
Whether you’re at home, outdoors, or out of the country, an accident insurance plan can cover you or your entire family for accident-related injuries. Would you believe that you only have to meet a $100 deductible every time someone in your family has an accident? That’s a fixed deductible. Once you have satisfied the deductible, coverage kicks in. You have three coverage options: $5,000, $7,500 and $10,000.
If you chose the $10,000 coverage option and both of your children got into an accident, they’ll each have $10,000 in coverage. If another family member gets hurt the same year, you’d still get coverage. With accident insurance, there are no provider networks. Meaning, you can go to any hospital or doctor that you want and still have coverage.
Accident insurance is just a low-cost option that can save you thousands of dollars. Plus, it offers you financial protection for unpredictable events whether it is spring, summer, fall or winter. You can find more information about accident insurance plans here on our site. Run our instant quotes to see the available plans in your area.