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Accidents can be costly expenditures, and not everyone has a rainy-day fund ready for use. Accident insurance may be worth it if you are looking for extra financial support when an unexpected event happens. Certain individuals may especially benefit from getting supplemental accident insurance. Read on to discover why accident insurance may be worth considering.
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Accident insurance is a type of supplemental coverage that works with your major medical insurance plan to help with additional out-of-pocket costs. During a health event, your primary health insurance plan may cover some but not all of your needed treatments and procedures.
It’s not uncommon to face hefty out-of-pocket costs after an accident occurs. Accident insurance works alongside your primary medical plan to help minimize those out-of-pocket expenses. This is one of the many reasons supplemental accident insurance should be considered.
Aflac offers accident insurance policies that may be available through payroll deduction or as direct-billed individual coverage, depending on availability and eligibility. Employer-sponsored coverage, when offered, may allow employees to enroll through their workplace. Individual policies may be purchased directly, subject to underwriting and state availability.
Don’t wait until it’s too late. Help cover yourself and your family with coverage from Aflac.
Get StartedEvery accident insurance plan is different, but typically you can expect some level of coverage for the following scenarios:
If you have additional questions about what accident insurance covers, you can always reach out to an Aflac agent for more information. Plans have limitation and exclusions.
At Aflac, accident insurance rates are designed to fit most budgets. For a better idea of what costs may look like, chat with an agent to discuss your financial goals.
There are a handful of individual that may want to consider having an accident insurance policy:
After reviewing how accident insurance works, you may want to explore whether this type of supplemental coverage aligns with your needs. You still may be unsure if Aflac accident insurance is worth it for you. if so, reach out to an agent or explore more resources about this type of supplemental insurance.
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1 eHealth - Accident insurance: Protecting you when the unexpected happens. Updated April 02, 2025. https://www.ehealthinsurance.com/resources/affordable-care-act/accident-insurance. Accessed May 5, 2026.
2 Medicare Supplement - Covering Health Costs for High-Risk Jobs. Updated September 23, 2025. https://www.medicaresupplement.com/coverage/medicare-and-high-risk-jobs/. Accessed May 5, 2026.
Content within this article is provided for general informational purposes and is not provided as tax, legal, health, or financial advice for any person or for any specific situation. Employers, employees, and other individuals should contact their own advisers about their situations. For complete details, including availability and costs of Aflac insurance, please contact your local Aflac agent/producer.
Coverage underwritten by American Family Life Assurance Company of Columbus. In New York, coverage is underwritten by American Family Life Assurance Company of New York. A38000 series: In Delaware Policies A38100DE – A38300DE & A382OFDE. In Delaware Policies A38100DE – A38300DE & A382OFDE. In Idaho, Policies A38100ID – A38300ID. In Oklahoma A38100OK – A38300OK & A382OFOK. In Virginia, Policies A38100VA – A38300VA & A382OFVA.
Coverage underwritten by Tier One Insurance Company. Tier One Insurance Company is part of the Aflac family of insurers. In California, Tier One Insurance Company does business as Tier One Life Insurance Company (NAIC 92908). Accident, T37000 series: In Delaware, Policy T37000. In Idaho, Policies T37100ID, T37200ID, & T37300ID. In Oklahoma, Policy T37000OK. In Virginia, Policies T37100VA, T37200VA, T37300VA, T37400VA & T37600VA.
Coverage may not be available in all states, including but not limited to, DE, ID, NJ, NM, NY, VA or VT. Optional riders may be available at an additional cost. Policies and riders may also contain a waiting period. Refer to the exact policy and rider forms for benefit details, definitions, limitations and exclusions.
Aflac WWHQ | Tier One | 1932 Wynnton Road | Columbus, GA 31999
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