Accidents can happen any time, when you least expect them— and they can be costly.

Accident insurance helps supplement your medical plan and disability coverage by providing cash benefits when you are faced with an accidental injury. It can help with out-of-pocket expenses such as deductibles, copays, transportation to medical centers, childcare and more. Accident insurance may include benefits for:

  • Injuries: fractures, dislocations, concussions, lacerations, eye injuries, ruptured discs, second and third degree burns
  • Medical services and treatments: ambulance, emergency care, therapy services, medical testing (including x-rays, MRIs, CT scans), medical appliances and certain types of surgeries
  • Hospitalization: hospital admission, confinement and inpatient rehab after an accident
  • Additional benefits: accidental death, dismemberment, functional loss and paralysis; supplemental benefit for lodging
  • Plus: guaranteed acceptance

How to Use Your Benefit

Access and manage your Guardian coverage

  • If you don’t already have a login, go to the self-registration page (
  • Fill in your information and create a username and password
  • Access easy to use tools to help understand the value of your benefits including educational articles and cost estimator tool

Submit a Claim

  • Go to and login with your username and password
  • Go to Claims > Submit a Claim to file a claim


  • Speak to a Guardian representative about your benefits and claims for help using
  • Customer Service Center: 1-800-627-4200

Plan Monthly Rates

Coverage Low Plan Monthly Rates High Plan Monthly Rates
Employee $4.96 $9.13
Employee + Spouse $8.02 $14.35
Employee + Child(ren) $8.46 $14.85
Family $11.52 $20.07

Frequently Asked Questions

I have a good medical plan at work. Why would I need additional coverage for accidents?

Accidents can happen any time, to anyone and when you least expect them – and they can be costly. Even quality medical plans can leave you with extra expenses to pay. Costs like plan deductibles, copays for doctor visits and extra costs for out-of-network care can add up fast. Having the financial support you may need when the time comes means less worry for you and your family.

Are benefits paid directly to me or to my health care provider?

Payments will be paid directly to you, not to the doctors, hospitals or other health care providers. You will receive a check, payable to you, for maximum convenience.

Can I enroll in this insurance without having to take a medical exam?

Yes. If your employer offers accident insurance, your acceptance is guaranteed, regardless of your health. You just need to be actively at work for your coverage to be effective. There are no medical exams to take and no health questions to answer.

Is the claims process simple?

Yes. Once all required information is received, claims are generally processed within 10 business days. Only one claim form is needed per accident and every claim is reviewed by a claims professional.

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