Accident Plans

You're protected 24hrs a day, Seven days a week!
Accidents happen, people often are caught off guard and unprepared because they consider their lifestyles and occupations to be "safe". Accident Coverage is important because it can help fill in holes left by other insurance plans. These other plans have limitations Accident Coverage can address, keeping you and your loved one's protected, should an accident occur.

What do the Accident Plans Cover?

Option 1- Premier

$10,000 Accident Medical Coverage - $250 Deductible
$4,000 Emergency Helicopter Air Ambulance - Worldwide Coverage
$10,000 Accidental Death & Dismemberment
$500 Auto and Truck Personal Deductible Reimbursement:
Reimburses the deductible amount on a primary Automotive policy when a covered collision loss exceeds it to a maximum of $500.00 up to twice annually. This benefit becomes effective one month after the effective date of your VBA membership.

Weekly Disability Income:
If, as a result of injury, the primary member becomes totally disabled, as defined in your certificate of coverage, it will pay a weekly benefit amount of $150.00. This benefit begins on the 15th day from the start of the continuous disability. This benefit amount will be paid for as long as the covered member is so disabled from any one accident, but not longer than the maximum number of 26 weeks.
(see Benefits description below)

Option 2- Basic Plus

$5,000 Accident Medical Coverage - $100 Deductible
$4,000 Emergency Air Ambulance - Worldwide Coverage
$5,000 Accidental Death & Dismemberment
(see benefits description below) 

Option 3- Basic

$2,500 Accident Medical Coverage - $100 Deductible
$4,000 Emergency Air Ambulance - Worldwide Coverage
$5,000 Accidental Death & Dismemberment
(see benefits description below)

Benefits Description

Accident Medical Coverage - Any Doctor, Emergency Room, Clinic or Hospital:  Medical Services means the costs for: Medically necessary treatment by a physician, nurse, dentist, hospital room and board, outpatient surgery, use of an ambulance, dental work to sound natural teeth, drugs, medicines, diagnostic tests and x-rays, oxygen, casts, splints, crutches, blood plasma, treatment performed by licensed medical professional and rental of durable medical equipment.

$4,000 Emergency Helicopter Air Ambulance - Worldwide Coverage: Most medical plans only cover ground ambulance. If, as a result of injury, a member incurs covered expenses will pay, with no deductible and not to exceed the overall maximum benefit amount of $4000.00, for Helicopter Air Ambulance Transportation Only.

Accidental Death & Dismemberment: If a covered family member's injury results in a loss, as defined in your certificate of coverage, within one year after the accident causing the loss, the carrier will pay per the schedule of benefits for the loss of life. Also benefits for loss of limb and sight are shown in the schedule of benefits.