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    Accident Protection5.0 GoogleBBB Accredited31+ States

    Affordable Accident Protection Plans to Fill the Gaps in Your Health Coverage

    Accidents happen every day — and you can't plan for the unexpected. Accident protection gives you peace of mind knowing you're covered for costs your major medical plan may not cover.

    Licensed health and life insurance professional helping individuals, families, and self-employed Americans get affordable accident protection plans that complement their health insurance.

    Get a Free Quote(786) 218-2384
    BBB Accredited · A Rating
    5.0 Google Rating
    Licensed in 31+ States
    NPN: 21032307
    Free Consultations · No Pressure
    Thousands of Families Served
    Hablamos Español
    BBB Accredited · A Rating
    5.0 Google Rating
    Licensed in 31+ States
    NPN: 21032307
    Free Consultations · No Pressure
    Thousands of Families Served
    Hablamos Español

    Key Benefits

    Even a small accident can turn into a big financial burden. Accident protection helps fill the gap between your deductibles, co-pays, and out-of-pocket expenses.

    Emergency Medical Coverage

    Helps cover ER visits, ambulance rides, hospital stays, and other medical expenses from a covered injury.

    Accidental Death & Dismemberment

    Provides additional financial protection in case of a severe accident, including loss of life, limbs, sight, or hearing.

    Cash Benefits Paid to You

    Benefits are paid directly to you — not to doctors or hospitals — so you decide how to use them.

    Works With Your Health Plan

    Designed to supplement your existing coverage, not replace it — filling in the costly gaps.

    What's Typically Covered

    Accident protection plans are designed to pay set benefit amounts for specific injuries and treatments.

    Covered Events

    • •Emergency room and urgent care visits.
    • •Hospital admission, surgery, and follow-up care.
    • •Fractures, dislocations, lacerations, and burns.
    • •Physical therapy, rehabilitation, and medical devices.

    Additional Benefits

    • •Ambulance transportation (ground and air).
    • •Accidental death and dismemberment (AD&D) benefit.
    • •Wellness benefit for annual health screenings.
    • •Family coverage options available at affordable rates.
    Kind Words

    Reviews

    Real words from real families we've helped.

    5.0
    G
    Google
    NPN 21032307

    Frank is absolutely great to work with! He is knowledgeable, professional and most of all, patient! He recently helped me on figuring out a policy that would fit my needs on what I was looking for. He responded back to me in a timely manner and was the kindest person and very polite. Would highly recommend him for your insurance needs.

    LS
    Lisa Smith
    G
    Google·02/03/2026

    I spent hours on the Marketplace until Frank messaged me. I was skeptical at first but I couldn't be more wrong. Frank and his wife found the perfect medical plan for me despite the fact I'm self employed, and made the process so easy with his guidance the whole way. He knows the system inside and out. Highly recommend.

    MK
    Michelle Kelley
    G
    Google·06/04/2025

    Excelente el señor Frank Caballero. Amable, muy profesional, muy entregado a sus clientes. Muchas gracias por tu servicio de calidad, si le pudiera dar 10 estrellas se las daría. ¡Gracias!

    YR
    Yeranis Rodriguez
    G
    Google·01/22/2026

    Frank has been amazing to work with. He is always available to answer my questions. As a self employed person in my 60s good insurance at a reasonable rate has been a challenge, but he found me a policy that has been great. I have already recommended him to friends and colleagues.

    BD
    Bunny Dennis Morris
    G
    Google·04/16/2025

    Would highly recommend him for all my friends and family.

    PF
    Parker Florence
    G
    Google

    He listened to my issues and concerns and explained my options thoroughly.

    JF
    Joe F
    G
    Google
    Read all reviews on Google

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