The Accident plan covers the treatment of accidents, including exams, X-rays, surgeries, hospitalization, and medications. In addition to the exclusions listed below, the Accident plan does not cover any illnesses, routine care, acupuncture, or chiropractic treatment.
What’s covered
Accidents that result in:
1. Trauma
2. Poisoning
3. Bite (animal, insect, snake)
4. Hit by car or moving vehicle
5. Foreign body ingestion
6. Bone fracture
7. Laceration, cut, abrasion
8. Wound
9. Torn nail
10. Medical problems directly attributable to accidental injury
What’s not covered
Accident policies do not cover preexisting injuries, cruciate ligament injuries, or any illnesses or diseases, including infectious bacterial or viral disease, parasitic infection, metabolic disorder, or cancer.
For full details on how the plan works and what’s covered, see the sample policy.