Accident Insurance

You can’t always avoid accidents — but you can help  protect yourself

When life takes an unexpected turn, Unum Accident Insurance can help you pay for the expenses not covered by your medical insurance if you have a covered injury and need treatment.

Already have Unum coverage? File or manage a claim or leave, download forms or update your information by logging in to your account. Register for an account.

The only way to plan for an accident

Even with good insurance, accidents can bring significant expenses

Injuries can set back your finances in a big way, and they’re more common than you might think. Every 10 minutes, over 750 Americans suffer an injury severe enough to seek medical help.1 Unexpected injuries can bring out-of-pocket fees that you’re not prepared to pay.

When you or your family members receive treatment after a covered accident, the last thing you want to worry about is how out-of-pocket expenses associated with treatment are adding up. Unum Accident Insurance can provide benefits paid directly to you for:

  • Urgent care and emergency room visits
  • Ambulance and other transportation to the hospital
  • Initial care and surgery
  • Hospital stays and lodging expenses related to the accident
  • Follow-up care, such as doctor’s office visits and physical therapy appointments

Available for you, your spouse and your dependents, Unum Accident Insurance can be there for you during challenging times.

How Unum Accident Insurance works

Coverage for times of need

If you or a covered family member is injured, an Accident Insurance plan can help protect your finances and pay you a lump-sum to help take care of unexpected costs covered by your plan. Here’s how it works:

  • A set amount is payable directly to you based on the type of injury and required treatment.
  • You can use the payment as you see fit, such as to cover doctor visits, ambulance fees and hospital bills.
  • Coverage is available for your spouse and children.
  • An Accident Insurance policy can also help provide for your family in the case of dismemberment or accidental death.

Coverage from Unum offers peace of mind in an accident

Customer Joel Canfield finds relief from stress when he learns Unum's disability benefit will take care of his family's bills and cost of living after an accident leaves him unable to work.

Employers and HR representatives

Find out more about offering individual or group accident insurance for your employees.

Commonly asked questions about Accident Insurance

1. National Safety Council, "Injury Facts" (2017).

The policies or their provisions may vary or be unavailable in some states. The policies have exclusions and limitations which may affect any benefits payable. See the actual policy or your Unum representative for specific provisions and details of availability.

Group Accident:
Underwritten by Unum Life Insurance Company of America, Portland, ME.
In New York, underwritten by First Unum Life Insurance Company, New York, NY.

Individual Accident:
Underwritten by Provident Life and Accident Insurance Company, Chattanooga, TN.
In New York, underwritten by First Unum Life Insurance Company, New York, NY.

These policies provide ACCIDENT insurance only. They do NOT provide basic hospital, basic medical or major medical insurance as defined by the New York State Department of Financial Services. The expected benefit ratio for individual policies is 50%. This ratio is the portion of future premiums which the company expects to return as benefits, when averaged over all people with this policy.