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Accident Insurance

Focus on recovery—not on your finances.
Help alleviate the added costs that may result from an accident with MetLife Accident Insurance.

Accidents happen every 2 seconds at home and every 7 seconds on the road.1 And accidents can be expensive; each trip to the emergency room costs an average of $1,233.2 Expenses can add up quickly.

Protect your family’s budget by enrolling for MetLife Accident Insurance today. Here’s why:

  • You get broad coverage
    More than 150 events and services, such as fractures, 2nd & 3rd degree burns, and treatments resulting from an accident are covered.
  • Payments are made directly to you.
    You decide how to spend the money: 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 work.3 That means no medical exam and no hassle.
  • It’s less expensive than you may think.
    Take advantage of employee rates when applying for coverage through your employer.

Coverage Options

Weekly Cost to You



Employee & Spouse


Employee & Child(ren)


Employee & Spouse/Child(ren)


Who is eligible to enroll for this accident coverage? Collapsed Expanded

You are eligible to enroll yourself and your eligible family members. You need to enroll during your Enrollment Period and be actively at work for your coverage to be effective.

I have a good medical plan at work. Why do I need accident insurance? Collapsed Expanded

Even quality medical plans can leave you with extra expenses to pay. Costs like plan deductibles, copays for doctor and emergency room care, testing and supplies, or extra costs for out-of-network care may not be covered. Many people aren’t financially prepared to handle these extra costs. Having the extra financial support if the time comes may mean less worry for you and your family.

Can I enroll for this insurance without having to take a medical exam? Collapsed Expanded

Yes! Your accident coverage is guaranteed issue,3 which means your acceptance is guaranteed, regardless of your health. You just need to be actively at work for your coverage to be effective. There are no medical exams to take and no health questions to answer.

How much does accident insurance cost? How do I pay for my coverage? Collapsed Expanded

Exact rates can be found in the enrollment materials provided by your employer. Premiums will be conveniently paid through payroll deduction, so you don’t have to worry about writing a check or missing a payment.

Is there a waiting period before my coverage begins? Collapsed Expanded

No. Your coverage will be in force on the effective date of your coverage. There are no waiting periods.