Why do I think American General’s Accident Insurance is the best in the market?

• Scope of Coverage- Out of all the plans I have reviewed, American General's has the most complete coverage. A major exclusion most if not all other plans have is organized sports. American General's Accident Expense Insurance covers all amateur sports. For example if you have a son who plays high school football. He breaks his leg during a game. Other plans will not cover it, American General's Accident Expense will.

• Coverage Amount- Most accident expense plans have coverage limits of $5,000 with some going up to $10,000. American General covers up to $15,000 per covered person per year.

• Cost- When comparing coverage and premiums, I believe this is the best priced Accident Insurance out there.

• Pays On Top Of Existing Insurance- This is probably the number one reason I like this plan over others. When you read the fine print you realize most accident plans coordinate benefits with any existing insurance you may have. If you are covered for accident related medical costs by your health insurance the plan doesn’t pay out. Their plan doesn't coordinate benefits and will pay you back even for costs that are covered by existing insurance. For example you incur $12,000 in medical expenses from ATV accident. Your health insurance deductible is $3,000. After you meet your deductible your expenses are covered 100%. With most plans they will only pay out $3,000 because your health insurance kicks in. Amercian General will reimburse the full $12,000 minus your deductible (deductible options are $0-$500). Your health insurance would cover $9,000 out of the $12,000. This means you would keep the extra $9,000 to help with other expenses such as lost wages.

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Primary Applicant:     Yes          Spouse:      Yes          Children:    Yes
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Injury Facts Nonfatal injuries affect millions of Americans. In 2009, 38.9 million people – about 1 out of 8 – sought medical attention. In 2008 about 27.9 million were treated in hospital emergency departments. The economic impact of these fatal and nonfatal unintentional injuries amounted to $693.5 billion in 2009. This is equivalent to about $2,300 per capita, or about $5,900 per household. These are costs that every individual and household pays whether directly out of pocket, through higher prices for goods and services, or through higher taxes. (Source- CDC injury facts 2011 edition)
American General Accident Expense Plus Brochure
American General Accident Expense Plus Client Guide
American General Accident Expense Case Study
American General Accident Expense Coverage Scenario Chart