Skip Navigation

Accident Insurance

Accident Insurance Helps You Focus On Recovery & Not On Your Finances.

An Accident Waiting To Happen
Accidents happen every 2 seconds at home and every 9 seconds on the road.1 Those accidents are expensive; each trip to the emergency room costs an average of $1,354.2 Even with medical coverage additional expenses can add up quickly.

Help alleviate the added costs that may result from an accident with MetLife Accident Insurance.

Don’t worry, you’re covered
With over 150 covered events and services, such as fractures, 2nd & 3rd degree burns, and treatments, including hospitalization,resulting from an accident.

It’s your money.
Payments are made directly to you. You decide how to spend them. Pay for medical expenses not covered by your plan, like copays or deductibles, or for non- medical needs like household bills, childcare, or home modifications.

You won’t be denied coverage.
You and your eligible family members are guaranteed coverage, as long as you are actively at work4. That means no medical exam and no hassle.

View the Plan Summary

Contact Us

Questions? We’re here to help.

Request a quote for Auto, Home or Pet at any time during the year. 1-855-975-3329

Enroll in Critical Illness, Accident or Hyatt Legal during annual enrollment, as a new hire or when you have a qualified life event such as marriage or birth of a child by visiting

Questions? Call 1-800- GET-MET8

Already Enrolled?

Visit to view your Accident and Critical Illness certificates or file a claim.

1 National Safety Council . (2012) Injury Facts®, 2012 Edition. Itasca, IL: Author (based on a 2010 US resident population of 309.6 million with 19.9 million reported injuries)

2 Agency for Healthcare Research and Quality. Emergency Room Services-Mean and Median expenses per person with expense and distribution of expenses by source of payment: United States, 2011. Medical expenditure panel survey household component data. Generated interactively. (February 12, 2014).

3 Hospital does not include certain facilities such as nursing homes, convalescent care or extended care facilities. See MetLife’s Disclosure Statement or Outline of Coverage/Disclosure Document for full details.

4 Coverage is guaranteed provided (1) the employee is actively at work and (2) dependents to be covered are not subject to medical restrictions as set forth on the enrollment form and in the Certificate. Some states require the insured to have medical coverage. Additional restrictions apply to dependents serving in the armed forces or living overseas.

METLIFE’S ACCIDENT INSURANCE IS A LIMITED BENEFIT GROUP INSURANCE POLICY. The policy is not intended to be a substitute for medical coverage and certain states may require the insured to have medical coverage to enroll for the coverage. The policy or its provisions may vary or be unavailable in some states. There is a preexisting condition limitation for hospital sickness benefits, if applicable. There are benefit reductions that begin at age 65. And, like most group accident and health insurance policies, polices offered by MetLife may contain certain exclusions, limitations and terms for keeping them in force. For complete details of coverage and availability, please refer to the group policy form GPNP12- AX or contact MetLife. Benefits are underwritten by Metropolitan Life.