Accident Insurance FAQs

Does accident insurance have coverage limits?

Yes. Accident plans have benefit caps. Some of them use a single benefit cap for any type of accident that results in a need for medical treatment. But it’s more common to see specific lists of the types of injuries and medical treatment they’ll cover, and benefit caps for each service.

For example, a plan might pay up to $500 for an ambulance ride, up to $250 for an emergency room visit, and up to $2,000 for a hospital admission. (Those are just examples. The details will be specified by each plan.) It’s also common to see benefit limits that vary for a specific type of injury, such as a bone fracture (where it is and how bad the break is) or burn (percentage of the body that’s affected and the degree of the burn).