Get Covered for Accidents You Didn't Expect to Happen
Accidents can happen at any time, and the costs can be overwhelming. Comprehensive Accident Medical coverage helps protect you from the financial impact of unexpected injuries. With up to one million dollars in coverage, guaranteed acceptance, and next-day enrollment, CAM gives you peace of mind and the freedom to choose your own doctors and hospitals at a price that fits your budget.
Save by Joining AUIC.org
To obtain this health product, depending on state of residency, you must sign up for an association membership with AUIC.org which is included during checkout. Learn more about AUIC.org.
Get Started with Comprehensive Accident Medical (CAM)
Find Your Cost forAccident Only Coverage
Choose your start date, Cancel anytime
Guaranteed Acceptance, No Medical Questions
Key Benefits
- Up to $1 Million in Coverage – Choose $500,000 or $1,000,000 annual maximum.
- Guaranteed Acceptance – No medical exams or health questions.
- Freedom to Choose Providers – Any doctor or hospital.
- Next-Day Coverage – Get protected as soon as tomorrow.
- Simple Enrollment – Takes about 5 minutes online or by phone.
- Included Virtual Care – Teladoc access for everyday health needs.
Summary of Coverages
- Annual Maximum – $500,000 or $1,000,000.
- Deductible Options – $1,000 or $1,500.
- Coinsurance – 100% after deductible.
- Accident Medical Expenses – Covers treatment for injuries from accidents.
- 4 Doctor Visits Per Year – Included in the plan.
- Mental Health & Dermatology Virtual Care – Available through Teladoc (additional fee may apply).
Who is this for?
- Individuals without major medical insurance who want financial security.
- Families looking for accident protection beyond basic health coverage.
- Small business owners and self-employed professionals seeking affordable options.
- Young adults coming off their parent’s health benefit plan
- People under age 65 who need guaranteed acceptance coverage.
How to Get CAM
Helping to protect your family is easy. Coverage can begin as soon as 12:01 a.m. the next day (for eligible members) once application is processed and payment is posted.
Use As COBRA Alternative
Short-term accident medical insurance is a type of insurance that offers coverage for 1 month to a year and is renewable. It pays for medical expenses incurred from accidents or injuries, including emergency room visits, hospital stays, and follow-up care.
It can be a more cost-effective alternative to COBRA health insurance because it is designed to provide coverage limited period of time. It is an excellent option for those who have lost a job or seeking a more cost-effective choices.
Telehealth Included
Teledoc is a non-insurance service included in your membership benefits and provides 24 hours a day, 365 days a year access to a network of U.S. Board Certified physicians who can diagnose, recommend treatment, prescribe or refill prescriptions for routine conditions.
When accidents happen, CAM helps cover high healthcare costs, so you can focus on recovery—not bills.
Plans start at $44/month.
Based on age and state availability
Includes Telehealth giving you access to prescribing doctors for common issues.
Coverage begins as early as midnight tonight.
- Get your price in under a minute
- No long forms
- No obligation to enroll
- Coverage may start as soon as tomorrow
Fast, secure, and takes about five minutes.
State Availability
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
About: Crum & Forster
Crum & Forster is a market-leading provider of property and casualty, accident and health and specialty insurance solutions. A true underwriting company with a 200-year history of assisting customers in risk management through laser-focused expertise, integrity and discipline.
About AUIC.org
AUIC.org is the online platform for the Association of United Internet Consultants Inc. (also known as the Association of United Independent Creators), offering self‑employed individuals access to membership benefits, including resources, savings, and insurance programs designed to support independent creators.
This is a limited benefit policy. The insurance described in this document provides limited benefits intended to supplement comprehensive health insurance plans. This insurance is not an alternative to comprehensive coverage. It does not provide major medical or comprehensive medical coverage and is not designed to replace major medical insurance. Further, this insurance is not minimum essential coverage as set forth under the Patient Protection and Affordable Care Act.
Please keep this summary as a brief description of the important features of the plan. It is not a contract of insurance. This plan includes both insurance and non-insurance benefits. The terms and conditions of coverage are set forth in the Plan. For a detailed plan description, exclusions, and limitations, please view the plan on file with the Plan Administrator. The Policy contains a complete description of all terms, conditions, and exclusions of the insurance plan as underwritten by United States Fire Insurance Company. The Policy will prevail in the event of any discrepancy between this brochure and the Policy. Coverage may vary or may not be available in all states. You’ll find complete coverage details in the Certificate(s) of Insurance.
Group Accident Insurance is underwritten by United States Fire Insurance Company, Eatontown, NJ.
To be eligible for this group insurance, you must be a member of AUIC. Policy terms, conditions, exclusions and limitations may vary by state. This product may not be available in all states.