Accident Insurance
Enroll at work to stay protected from the financial impact of unexpected injuries
Accidents happen every day—from slips and falls at home to injuries on the field. And while you can’t predict them, MetLife Accident Insurance helps you stay prepared for the expenses regardless of what medical insurance may or may not cover.
Receive cash benefit payments. The cash payments are sent directly to you for qualifying events.
Use payments on anything, health-related or not. How you spend the payment is up to you—whether that’s medical bills, transportation costs, childcare or other everyday expenses.
Coverage for a wide range of injuries, tests and services1
- Fractures and broken bones2
- Dislocations2
- Burns
- Lacerations
- Eye injuries
- Concussions
- Medical tests (x-rays, MRIs, CT scans)
- Medical services (ambulance, ER care)
Coverage may vary by plan.
Accident Insurance FAQs
Even the best medical plans can leave you with out-of-pocket costs like deductibles, copays, and non-medical expenses such as transportation or childcare. Accident insurance helps provide financial support when the unexpected happens, allowing you to focus less on costs and more on recovery.
Yes, you can enroll yourself and eligible family members3 during your enrollment period—as long as you're actively at work at the time of enrollment.
No. Coverage is guaranteed, regardless of your health.4 There are no medical exams or health questions—making enrollment quick and easy.
The policy pays a set amount for each covered condition or service. For example, an accident insurance plan might pay $100 for an emergency room visit, $500 for a broken ankle, $75 for an x-ray, and $50 for a physician follow up. In this example, you could receive a total cash benefit payment of $750. The exact amount depends on your plan and the care you receive.5
Benefits are paid directly to you—not to doctors, hospitals or other healthcare providers. You can use the money however you need, and payments aren’t affected by your other insurance coverage.
Yes, you can take your coverage with you if you change or leave employers.6
Have confidence in your coverage
“Unexpected healthcare expenses can really affect the financial plans we make each year. This policy helped us recover some of those expenses when we make all efforts to live a safe and healthy lifestyle.”
-Accident Participant, 2026
“The claim process was easy, documents needed were straightforward, payment was timely. Being a cancer patient is hard & everything about care is complicated and expensive. This was the easiest process for any claim of any kind I've dealt with.”
-Critical Illness participant, 2026
“I had an unexpected hospital stay and the benefit was so helpful. This was an excellent customer service experience. The rep was informative and the process quick & easy to follow.”
-Hospital Indemnity participant, 2026
“The claim process was easy, documents needed were straightforward, payment was timely. Being a cancer patient is hard & everything about care is complicated and expensive. This was the easiest process for any claim of any kind I've dealt with.”
-Critical Illness participant, 2026
“This was the easiest claim process I have completed!”
-Critical Illness participant, 2026
“MetLife Hospital Indemnity Insurance has really helped us. We are a young couple in our 30s but in 2025 my husband was hospitalized 3 times… I feel confident and somehow secure that MetLife will pay me and I can use that to help pay my hospital bills.”
-Hospital Indemnity participant, 2026
Protect your lifestyle
See how accident insurance helps with expenses on the road to recovery.