Specialty Accident & Health Insurance

Learn how Specialty Insurance helps organizations and associations provide coverage for unusual risk exposures.


AIG* offers Specialty Accident & Health Insurance coverage solutions to help address the inherent risk of injuries that may come about during various activities. Our coverage provides valuable benefits for groups such as schools, daycare facilities, youth groups, sports teams, recreational associations, community service organizations, and organizations that utilize volunteers. It provides insurance protection when participating in sponsored activities or events, and/or while traveling.

Plan Highlights

Provides valuable benefits that can be tailor-made with a range of limits to customize to our clients' needs.

Includes insurance, while traveling for sponsored events, that can help fill gaps in medical plans when traveling internationally.

Demonstrates an organization’s commitment to the well-being and safety of its members.

Plans can be customized to include Travel Guard® assistance services, including travel, medical, security, worldwide information, concierge, and identity theft* assistance. Our global service centers provide 24/7 services to the traveler in need — from pre-trip information to a medical or security evacuation.

*Identity Theft is not available to NY residents

Offers accident  insurance that can complement an organization’s general liability insurance policy by filling in gaps that may exist, and/or by offering broader limits. 

Insures K-12 schools and students against accidents that occur during class time as well as during all sports and sponsored activities on or off the school’s premises.


Specialty Accident & Health Insurance coverage can be purchased on a long-term (annual) or short-term basis, and can even be purchased for a single-day event. We provide accident coverage for members of groups or associations participating in sponsored and supervised sporting activities or events, as well as club, church or civic group events or activities. The primary benefits and services include:

Accident Medical Expense

Pays the usual and customary charges for covered accident medical services such as doctor visits, hospital stays, X-rays, ambulance service, laboratory tests, anesthetics and more due to an injury caused by a covered accident.

Accidental Death and Dismemberment

Provides a lump sum payment for a covered accident that results in a loss of life, limbs, speech, hearing, or sight.

Catastrophe Cash

Pays benefits monthly or in a lump sum for covered injuries that result in coma or paralysis.

Weekly Accident Indemnity (WAI)

Pays an indemnity benefit for a short term disability which may replace lost income due to a covered accident

Emergency Sickness

Pays covered expenses due to a sudden and unexpected illness or disease.

Emergency Medical Evacuation

Provides coverage for transportation to the nearest medical facility qualified to treat the insured if a covered injury or emergency sickness occurs when an insured is outside a 100 mile radius from his or her place of primary residence. Once stabilized, the insured is transported to a hospital near home.

Repatriation of Remains

Provides coverage for the preparation and transportation of an insured’s mortal remains to family members in the event of a covered accidental death while traveling.

Travel Assistance Services

Valuable assistance services that are available to covered individuals traveling 100 miles or more away from home.

What Organizations Are Covered?

Our Specialty Accident & Health Insurance covers a wide variety of groups. When organizations provide Specialty Accident & Health Insurance to members, this may help to attract and retain participants because insurance coverage is provided to each and every eligible member.

Day Care Centers, Nursery Schools, Private and Public Schools (Grades K-12)

Accidents can happen at any time, child care centers can provide accident insurance benefits for their staff and for enrolled children in the facility. Student Accident Insurance can cover enrolled students while participating in sponsored and supervised K-12 activities, including extracurricular activities and interscholastic sports.

Amateur Sports, Recreation, Camps

Coverage is available to sports clubs, sports camps and recreational associations while participating in scheduled, sponsored, and supervised youth sports activities on the premises designated by the covered organization, including direct travel to and from such activities.

Special Events, Entertainment, Non-profit, Volunteers, Religious, or Faith-based organizations

Covers members, volunteers and participants in policyholder sponsored or supervised activities and events, while setting up or cleaning up the event, and traveling to and from activities and events domestically and internationally.

Passenger Accident for Motor Carriers

Covers guest passengers who suffer a covered injury while riding as a guest in a covered truck or motor carrier.

University, Community Colleges, Institutions of Higher Learning

Covers enrolled students (both resident and nonresident) and in some cases instructors when covered accidents occur.

Travel Protector

Coverage provides single-source solution of insurance benefits and comprehensive travel, medical, and security assistance services, whether it's students studying abroad, organizations going on an overseas trip, or production crews filming at their next site.

Travel Assistance Services & Mobile App

Whether it is a student group, non-profit or religious organization traveling abroad, our travel assistance products can offer emergency medical and security evacuation assistance. Travel Guard’s® 24/7 travel assistance services include worldwide concierge support for medical and security incidents, identity theft and more. In addition to 24/7 phone assistance, employees also have access to our secure travel assistance website and mobile app (available on iOS and Android) for fast and convenient access to in-depth travel, security and health information:      


One Touch ‘Help’ Button connects travelers directly to emergency assistance.


Assistance ID Card can be accessed via the app in the event the physical card is forgotten or lost.


Drug Brand Equivalency Tool generates over-the-counter drug brand names and their equivalent names for multiple countries.


Country Reports and City Guides provide key information on political conditions, security issues, travel logistics, cultural factors, contact details and health advisories with the ability to favorite reports for easier access.


Security Awareness Training through online travel safety videos and knowledge tests provides basic tools and information to be an aware, organized and prepared traveler with the ability to email the certificate of completion. Contact your AIG representative for a demonstration of the assistance website and mobile app.


Provider Directory contains contact information for healthcare providers in various locations around the world with a map view and ability to turn on GPS and locate providers nearby.


Medical Translations Tool translates medical terms into multiple languages with the ability to listen to the translation.


Security Travel Alerts are email subscriptions that can be managed via the app to obtain security level developments that may affect traveler's destination(s).

AIG's Accident & Health Professionals are here to help

Contact us today for more information about Specialty Accident & Health Insurance.
Contact us if you are an existing customer and have a customer related inquiry.


Insurance Policies issued by National Union Fire Insurance Company of Pittsburgh, Pa. (NUFIC), a Pennsylvania insurance company, with its principal place of business at 1271 Ave of the Americas FL 41, New York, NY 10020-1304. It is currently authorized to transact business in all states and the District of Columbia. NAIC No. 19445. NUFIC is responsible for the financial obligations of its insurance products and is a member of American International Group, Inc. (AIG). Products may not be available in all states and product features may vary by state. Guarantees are backed by the claims-paying ability of the issuing insurance company.

Travel assistance services are provided by AIG Travel, Inc., a member of American International Group, Inc. Travel Guard® is the marketing name for its portfolio of travel insurance solutions and travel related services. Non-insurance services provided by AIG Travel and/or its subsidiaries offer assistance through coordination, negotiation, and consultation using an extensive network of worldwide partners. Expenses for goods and services provided by third parties are the responsibility of the traveler. This is a summary only of services offered. Actual offerings may vary by group size and are subject to state insurance law, and the benefits/provisions as described may vary due to such law. All services are subject to the policy terms, conditions, limitations, reductions, exclusions and termination provisions. Please see policy and certificate for details. SM-11665-19

*AIG is the marketing name for the worldwide property-casualty, life and retirement, and general insurance operations of American International Group, Inc. All products and services are written or provided by subsidiaries or affiliates of American International Group, Inc. Products or services may not be available in all jurisdictions.