Accident Insurance Can Help Avoid Surprises

The economic impact of these fatal and nonfatal unintentional injuries – accidents – amounted to $1,097.9 billion in 2019. This is equivalent to about $6,400 per household.*

Is this a financial burden that you could manage? Don’t let the financial impacts of an accident take you by surprise.

Did you know?

In 2020, about 55.4 million people – about 1 out of 6 – were injured in nonfatal preventable injuries.*
In 2009–2010, an estimated 11.9 million children annually had an initial emergency department visit for an unintentional injury.**

Personal Accident Insurance can be used not only to offset the costs associated with an accident such as ambulance transportation, emergency room visits, X-rays and rehabilitative therapies, but also for ordinary daily bills, child care or even yard work. These types of policies can work well with both individual and group medical insurance plans.

Premiums can be competitively priced and some policies have decreasing deductibles over time. Call or contact me today for more details.

*National Safety Council, Injury Facts – 2019 Edition
**www.cdc.gov

Travel Insurance

If you are considering a trip overseas, don’t assume that just because you have excellent medical, auto, and home insurance that you will have the necessary insurance protection. Therefore, it’s important to consider if you will need travel health insurance or some other applicable international travel insurance policy.

Here is a list of situations that may not be covered:

accidents
illness
dental care
trip cancellations
lost luggage
rental car damage

Consider International Travel Insurance to Plan for the Unexpected

Planning an overseas trip starts with planning for the unexpected. Purchasing additional insurance when you travel is one of the best ways to cover the unexpected. However, before you start researching travel insurance, review your current insurance policies. Check if you have any travel health insurance and/or international travel insurance coverage on any of your policies. Some homeowner’s insurance policies and renter’s policies cover your personal property and liability (such as you accidentally hitting someone with your luggage and break a toe) anywhere in the world, so if you already have this coverage there is no point in buying more.

If you don’t have enough travel coverage in your current insurance policies, including travel health insurance coverage, then you will want to contact your travel agent or insurance agent for additional international travel insurance policies.