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Insurance Designed for Active Families

Kids are always on the move—running, climbing, jumping, and sometimes taking a tumble. Whether it’s a slide into home plate, a misstep on the soccer field, or a rough landing from the monkey bars, accidents happen. In fact, over 775,000 children under 14 visit the ER each year for sports-related injuries, according to Stanford Medicine. It’s not a question of if—it’s when. And with 1 in 4 ER visits costing $3,000 or more, a simple broken bone or a few stitches can put a major strain on your budget. Stay prepared and protect your family from the unexpected.

We make choosing accident insurance as easy as the alphabet

At A2Z Insurance Agency, we know that bumps, bruises, and broken bones are just part of growing up. Our accident insurance is built for families like yours—because when kids play hard, accidents happen.
● Get financial help for ER visits, hospital stays, X-rays, and follow-up care.● Focus on your child’s recovery without the stress of medical bills.● Have peace of mind knowing you're covered for the inevitable.
Kids will climb higher, run faster, and take risks—and while you can’t always prevent the fall, you can be ready for what comes next.

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  • Individual care

    You and your family are far more than just a policy number to us at A2Z Insurance agency.

● Flexible Coverage: Our policies are tailored to fit your specific needs and budget.● Financial Protection: Receive cash benefits helping cover unexpected medical expenses or lost wages.● Family-Focused: Options available to cover your entire family.

  • Who Needs Accident Insurance?

    Those who need assistance with additional costs following an accident involving themselves or a covered family member.

● Individuals and families with active lifestyles● Families with small children● To complement their existing health insurance● People looking for affordable protection against unexpected medical costs

  • Full protection

    We provide a variety of accident insurance options for different types of clients.

● Adults and Children: Our comprehensive policies cover individuals and families, including spouses/domestic partners and children.● Children-Only Coverage: We offer specialized policies tailored to meet the unique needs of children. Please note: One member on the policy has to be 18 years old to enter into an insurance contract. ● Cash benefits for injuries or accidental death covered by the policy.● Potential health and wellness payments for enrolles.

  • Help when you need it most

    Are you dealing with significant out-of-pocket expenses?

● The cost of an emergency room (ER) visit can vary significantly depending on the location, severity of the injury, and treatments required. The average emergency room visit can cost between $500 and $3,000 or more. From minor injuries, like a sprained ankle or a small cut that requires stitches, to more intensive treatments like surgery, the cost can easily exceed $3,000 or more. Accident insurance can help cover a portion of these costs.

Does your family have a high deductible health plan?

Accident insurance can help cover a portion of these costs.

Helps Cover Out-of-Pocket Costs

With a high deductible plan, families must pay a large portion of healthcare costs before insurance kicks in. Accident insurance can help cover these out-of-pocket expenses, reducing the financial burden during emergencies.

Wide Coverage for Unexpected Injuries

Coverage for a range of injuries caused by accidents, such as broken bones, burns, sprains, and more, which may not be fully covered under a high deductible health plan.

Peace of Mind

Families can feel more secure knowing they have a financial safety net in place if an unexpected injury occurs, without worrying about how to pay for emergency medical services.

Frequently Asked Questions

  • How can I contact an insurance agent?

    You can contact your A2Z Insurance agent in any way convenient for you — call us directly or contact us by e-mail.

  • What type of services does Personal Accident Insurance pay benefits for?

    ● Ambulance transport (once per covered accident, per covered family member). Initial services (received within one week of a covered accident in a hospital, urgent care center, or physician’s office)● Hospitalization, including the intensive care unit (ICU)● Major diagnostic exams: CT, MRI, EEG, diagnostic X-ray (covered up to $750 per exam; one per covered accident / per covered family*)● Tests and X-rays, other than diagnostic X-rays (one test or one set of X-rays*)● Surgery (up to two per covered accident, per covered family member; performed within six months of covered accident)● Drugs (administered in a hospital, urgent care center, or physician’s office at the time of initial care)

  • What Physician follow-up services are included?

    ● Chiropractic (up to one visit per day, with a maximum of three visits per covered accident, within 30 days of covered accident)● Rehabilitative therapy: physical, occupational, and speech therapy, or chiropractic services (one visit per day, with a maximum of 10 visits per covered accident, per covered family member; visits must begin within 90 days of covered accident and occur within six months of covered accident)

  • What types of medical equipment are covered?

    ● Durable medical equipment (rental or purchase of qualified equipment prescribed within 30 days of covered accident)● Prosthetic devices (must be received within one year of covered accident)● Eligible Issue Ages: 18 through 74. This policy is guaranteed renewable to age 85.

  • What is the Annual Benefit Bank?

    ● Your Annual Benefit Bank represents the total dollar amount available to you or your family for covered services rendered each calendar year. On Jan. 1 of each year, your Annual Benefit Bank will restore to its full amount. You have the flexibility to choose a Benefit Bank that matches the expected out-of-pocket expenses of your medical plan.● Choose your Annual Benefit Bank: (any amount within the range shown below in $100 increments). Minimum = $2,500. Maximum = $25,000 for individuals or $50,000 for couples/families.

  • What is the Annual Deductible

    You can choose your Annual Deductible:● $0 — not available for Benefit Banks over $15,000 (individuals) or $25,000 (couples/families)
    OR
    ● $500 — Once the actual cost of your covered medical services exceeds $500, you’ll start receiving cash benefits for the remaining expenses. Your individual deductible resets to $500 on Jan. 1 each year.
    If you select the $500 individual deductible and your spouse/partner and/or children are covered as dependents on your policy, the annual family deductible is $1,000 and must be satisfied by two or more covered family members.
    Once the $1,000 family deductible is satisfied, benefits will be eligible for payment for all covered family members for the rest of the calendar year, up to your Annual Benefit Bank amount. Benefits may be paid for a covered family member before the full family deductible is satisfied.

  • What is the Benefit Payout?

    If you receive care within one week of a covered accident, simply submit proof of claim for your actual medical and/or recovery expenses. While your medical coverage pays benefits directly to the provider, you can receive cash benefit payouts, minus your deductible (if any) from your Personal Accident Insurance policy.

    Your Personal Accident benefit payout will be less any adjustments or discounts negotiated between your health insurance plan and providers for services you received.

Get Protected Today

Don't let an accident catch you off guard. Contact A2Z Insurance Agency to learn more about our Accident Insurance options. We're here to help you find the right coverage to keep you and your family protected, no matter what life throws your way.
Remember, with A2Z Insurance Agency, protecting your family is as easy as A-B-C.