Comprehensive Accident Medical Insurance logo

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Protect Yourself from Today’s High Costs of Accidents

Accidents happen, and this plan can help with reimbursing some of the costs you incur so you can focus on getting care. CAM can help you pay for the treatment you need resulting from injuries or accidents.

Plans Start At $44/month
Free Telehealth Included

AM Best Company A+ Rating is assigned to insurance companies that have, in its opinion, a superior ability to meet their ongoing insurance obligations.

CAM Highlights

  • Freedom to choose your own doctors and hospitals (4 visits per year)
  • $250,000, $500,000, $750,000, or $1,000,000 annual maximum options
  • Deductible options of $500, $750, $1,000, $1,250, or $1,500
  • 70%/30% or 100%/0% coinsurance option
  • Next day coverage available
  • Guaranteed Issue for eligible members:
  • No exams or medical questions

Use As COBRA Alternative

Short-term accident medical insurance is a type of insurance that offers coverage for a limited time period, usually between 30 and 180 days.  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 for a specific, limited period of time. It is an excellent option for those who have lost a job or faced a similar disaster and are seeking a more cost-effective alternative.

Unlimited Telehealth Doctor Visits Included

Teladoc Health 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.

Plan Highlights

  • Unlimited $0 Copay to connect with a doctor by phone, email, or secure video
  • Can be used anywhere – whether you’re at home, work or on the go
  • Wait times are typically 10 – 30 minutes, 3-hour guarantee
  • Behavior health and dermatology visits also included (Copays vary per service)
  • Have a prescription filled for many short-term illnesses

How Does Comprehensive Accident Medical Insurance Work?




Pay Your Deductible of $500, $750, $1,000, $1,250, or $1,500.
Your Deductible is the amount you must pay before CAM pays benefits



70%/30% or 100%/0% coinsurance.
THEN You pay the remaining percentage of any additional covered charges


CAM pays all remaining eligible covered charges. Logo

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. Logo


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To obtain this health product, depending on state of residency, the individual must sign up for an association membership with

This is a brief description of coverage provided under Group Accident, Form GAC-30000, and subject to the terms, conditions, limitations, and exclusion of the Policy. Please see the Policy and Certificate for complete details. Coverage may vary or may not be available in all states.

Plans are underwritten by the United States Fire Insurance Company, Eatontown, NJ. Plans are underwritten by the United Fire Insurance Company, C&F and Crum & Forster are registered trademarks of United States Fire Insurance. The Crum & Forster group of companies are rated A (Excellent) by AM Best Company 2022.