Accident Insurance

Prepare for the Unexpected

Accidents can happen to anyone, anywhere and without warning. Being financially prepared for unplanned medical expenses can spare you considerable stress. 

With 25+ benefits, Accident Insurance is designed to help cover the cost of treatments for injuries resulting from covered accidents. Find out how accident insurance can help support you financially.



Here's how it works:

Have an unexpected covered accident

Receive any necessary treatment

Use your benefits for out-of-pocket expenses

Focus on healing


24-Hour Coverage

Ensures that eligible injuries are covered on or off the job.

Big or Small Accidents

Covers accidental injuries resulting from twisted ankles, burns, bee stings, spider bites, or recreational sports activities.

Wellness / Screening Benefit*

Pays an annual benefit for a routine physical exam, preventive testing and more. This benefit qualifies for AFQuickClaims® processing.


Over 25 Treatments Covered

Includes treatments like fractures, lacerations, physical therapy, and more.

Talk to your American Fidelity account manager to learn more.

Customer Stories


Brooklynn’s Story: Accident Insurance Believer

Brooklynn Brown, a fifth-grade teacher and mom to two boys under five, never thought she would use something like an Accident Only Insurance policy. But life always brings the unexpected, and now as an accident insurance believer, Brooklynn wants to share her true-life story with others.

Read More About Brooklynn 

Dave’s Story: Protection for the Unexpected

For Dave, a teacher and avid cyclist, purchasing accident insurance made sense. But despite preparing for a potential accident, Dave couldn’t have predicted what his future held. Today, he encourages his fellow teachers to consider purchasing an accident policy to help financially protect themselves.

Read More About Dave