Accident Insurance

Pacific Life Accident Insurance helps give employees added financial security for accidental injuries and related expenses.

Why Accident Insurance?

Immediate Financial Assistance: When an accident occurs, Pacific Life provides a lump sum payment to help cover treatment costs and everyday expenses so you can focus on recovery.

Comprehensive Coverage: We cover a variety of injuries resulting in visits to the Emergency Room, Urgent Care, the physician’s office, or virtual medical consultations.

Beyond Medical Bills: You have the flexibility to choose how to use the money, including essential needs such as mortgage payments or childcare, providing additional financial security.

Benefit Highlights

Pacific Life Accident Insurance helps offset expenses that may not be covered by your medical insurance with benefits to cover:

  • Accident medical expense
  • Hospital admission
  • Inpatient and outpatient surgery
  • Organized sports injury
  • Dislocations and fractures
  • Accident-related post-traumatic stress disorder (PTSD) or behavorial health treatment
  • Concussions, lacerations, and more

For specific coverage details, access your Pacific Life Portal.

Event-Based Claims

Our innovative process simplifies the overall claims experience, helping maximize benefits payments for employees and their covered dependents.

How it works:

  • When an event occurs — like an injury, sickness, or hospital stay — the employee fills out one, simple online form on their portal or calls to tell us what happened.
  • Pacific Life evaluates your submission and automatically generates claims on all related coverages.
  • Employees receive prompt and direct benefits payments.

At Pacific Life, we optimize the claims process, allowing our members to focus on what matters most and providing added financial security for life's unexpected events.

More questions? Check out our FAQ below.

What is Pacific Life Accident Insurance?

Pacific Life Accident Insurance offers added financial security with a lump sum payment directly to you and covered dependents who suffer an injury. With more than 60 million Americans facing injuries requiring medical treatment each year,1 accident insurance offers peace of mind.

What does Pacific Life Accident Insurance cover?

Pacific Life Accident Insurance covers a variety of injuries resulting in visits to the Emergency Room, Urgent Care, the physician’s office, or virtual medical consultations. You can review your Certificate of Coverage in your portal to see all benefits available to you.

What are a few Pacific Life Accident plan highlights?

Pacific Life Accident insurance stands out due to its comprehensive coverage, including emergency room visits, virtual consultations, and urgent care. Other plan highlights include Organized Sports Booster, accident-related post-traumatic stress disorder (PTSD), and wellness services.

Why do I need accident insurance if I already have medical coverage?

With deductibles, copays, coinsurance, and out-of-pocket maximums, medical expenses often exceed what insurance pays. Plans like Pacific Life Accident Insurance help cover out-of-pocket costs and bridge the gap on what medical insurance pays.

Do I need to pay at the time of enrollment?

There is no out-of-pocket payment required for enrollment. Your employer will conveniently deduct your premium from your paycheck.

How does the claims process work, and what documentation is required?

Through a simple online form in your portal, we will ask you about the event and tell you what documents are needed. Then we will use our innovative event-based claims approach to automatically create all applicable claims, ensuring we maximize your benefits. You’ll receive notifications – electronically or by mail – about your claims’ status along the way. For additional assistance, you can call us at (855) 810-3301.

You may also download the Group Accident Insured/Patient Claim Statement Package and Wellness Insured/Patient Claim Statement Package

How do I access my online portal account?

Your online Pacific Life Portal gives you the ability to manage all your benefits in one convenient location. After you enroll, you’ll receive an email invitation with a link to create your account. If you need additional support, call us at (855) 810-3301. Once your account is set up, you can sign in.

Do I need to submit receipts on any items I buy with my benefits?

No. Your benefits can be used how you choose.  

Does my Pacific Life Accident Insurance include wellness benefits?

Most Pacific Life Accident Insurance policies include wellness benefits to promote a proactive approach to your health. These benefits vary by state. You can check your Certificate of Coverage found in your portal for details. 

Is my coverage with Pacific Life Accident Insurance guaranteed?

Yes. With Pacific Life Accident Insurance, no medical review is required, and your coverage is guaranteed.

What happens to my accident coverage if I retire or leave my company?

When you retire or leave the company, you may be eligible to continue coverage or convert to an individual policy. You can check your Certificate of Coverage found in your portal for details. If your coverage terminates, you will be notified of your right to convert and any other options that may be available to you.

Can I add or remove coverage for family members?

If your employer's plan includes coverage for family members, you likely only have the ability to make changes during annual enrollment or after a qualifying life status change, such as marriage, divorce or birth of a child. Reach out to the benefits administrator at your company to discuss eligibility and make changes.

Whom can I contact if I need help?

Current members can call us at (855) 810-3301 with any questions. We are here to help you get the most out of your Pacific Life benefits.

Explore More

National Safety Council, Preventable Injury-Related Deaths, 2024, accessed April 2024

Policy Form Series: PLA-ACC-POL23, PLA-ACC-CERT23. Form numbers, provisions, and availability may vary by state. The state-approved form is the governing document.

Pacific Life refers to Pacific Life Insurance Company and its subsidiary Pacific Life & Annuity Company. Insurance products can be issued in all states, except New York, by Pacific Life Insurance Company and in all states by Pacific Life & Annuity Company. Product availability and features may vary by state. Each insurance company is solely responsible for the financial obligations accruing under the products it issues.


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