To speak with a licensed insurance agent
To speak with a licensed insurance agent
Getting Started
Extra Financial Protection When the Unexpected Happens
What
Accident Insurance is a supplemental policy that pays cash benefits directly to you when a covered accident occurs.
Benefits are typically paid for:
Emergency room visits
Ambulance transportation
Hospital stays
Surgery
X-rays and diagnostic testing
Fractures and dislocations
Follow-up care and therapy
You can use the benefit payments however you choose — medical bills, household expenses, travel costs, or everyday living expenses.
How
You choose a coverage level.
If a covered accident occurs, you file a claim.
The insurance company pays a fixed benefit based on the injury or treatment received.
Benefits are paid in addition to any other insurance you may have.
Why
Even with good health insurance, you may still face:
High deductibles
Coinsurance costs
Missed work time
Unexpected travel or lodging expenses
Accident insurance helps reduce the financial impact of those situations.
It can be especially helpful for:
Families with active children
Individuals with high-deductible health plans
Self-employed individuals
Anyone wanting added financial protection
Research
Accident insurance:
Is not major medical insurance
Does not replace your health insurance
Only pays benefits for covered accidental injuries
Does not typically cover illness-related conditions
We will review the policy details carefully so you understand covered events, benefit amounts, and exclusions.
Affordability
Most accident plans offer:
Affordable monthly premiums
Individual or family coverage
Portable benefits (not tied to an employer)
Guaranteed renewable policies (varies by carrier)
Coverage options vary by carrier and state.
Team Pellegrini is not affiliated with or endorsed by the government or the federal Medicare program. Medicare has neither reviewed nor endorsed this information. We do not offer every plan available in your area. Currently we represent 1-10 organizations which offer 1-50 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options. © Copyright 2026 Team Pellegrini | All rights reserved.Website created by MedicarePRO|Marketing
