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Accident

Protection That Travels with You

Employees who frequently travel internationally for work may be exposed to travel‑related risks and unexpected disruptions. Reviewing existing insurance coverage, combined with travel and personal accident protection, can help address potential gaps, reduce financial exposure, and provide greater peace of mind.

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Accident

For 115 years, we've helped generations navigate life’s uncertainties with reliable, life, accident, and health insurance solutions tailored to their needs.

Built on a foundation of integrity, commitment, and financial strength, we continue to honor the values that have guided us for more than a century while embracing new opportunities to serve those who depend on us.

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Accident

Pan‑American Accident & Health’s group accident coverage is a simple, economical way to help organizations take care of their people and minimize risk. We will help you deliver fast, affordable, customized solutions that will

Fill gaps in life and health insurance offerings
Provide protection against specific risks associated with certain activities
Minimize liability exposure

We are committed to providing tailored solutions that meet the individual risk management needs of each client. For this reason, we offer flexible, creative underwriting solutions. In fact, because accident insurance can be highly specialized, we may partner with third‑party experts when enhanced product or administrative support is needed.

EXPLORE OUR SOLUTIONS

Accident Markets

Trucking/Transportation

Pan‑American Accident & Health’s occupational accident with contingent liability program provides the owner‑operator with benefits that support their recovery and ability to return to work. It covers eligible classes for on‑the‑job injuries and includes limited coverage for non‑work‑related claims.

Travel

Pan‑American Accident & Health’s travel accident service offers protection to employees exposed to higher risks due to job travel with a national focus.

Student

Pan‑American Accident & Health’s customizable K‑12 accident coverage protects primary and secondary students on school premises and during off‑site school‑sponsored activities. Schools can elect to cover all students, student‑athletes, or students participating in other activities. Compulsory, catastrophic or voluntary plans are available.
Pan‑American Accident & Health’s intercollegiate sports coverage provides protection against accidental injury and related expenses for intercollegiate sports.
Pan‑American Accident & Health’s inbound student health coverage provides non‑ACA health coverage for international students. All coverage meets or exceeds international student visa requirements.

Participant

Participant accident insurance provides protection for a wide range of participants and staff, and peace of mind for parents and organizations. Pan‑American Accident & Health’s plans include daycare & childcare accident insurance, campers’ accident insurance, and broad participant accident insurance.

Trucking/Transportation

Travel

Student

Participant

Pan‑American Accident & Health’s occupational accident with contingent liability program provides the owner‑operator with benefits that support their recovery and ability to return to work. It covers eligible classes for on‑the‑job injuries and includes limited coverage for non‑work‑related claims.