Buddy is now live in Arizona!

Accident Insurance

Not all adventures are created equal, but we can cover you for adventures of almost any size or length. Our policy is designed to help cover out-of-pocket costs, like deductibles and copays, that are associated with a trip to the emergency room or to an urgent care facility following a mishap. Because the benefits are paid directly to you, they can also be used for things you may not think of, like repairing damaged gear. Currently rolling out state-by-state, nationwide.

What do you owe if you have an accident?

The average individual health insurance deductible is over $4,000 and rising. Add copays, rehab, gear replacement, and the cost of an accident can get out of hand.

Looking for a real-world example? See what happened when Matt had a ski accident.

Where Buddy Fits

Our team created the first on-demand accident insurance for active, outdoor people, so you can worry a bit less about the cost of what health insurance won't cover in an accident.

  • Buy as little as a day or up to a year
  • We pay you, not your health provider
  • Easy to understand benefits
Get a Quote

About Buddy

Paddling a river is riskier than just sitting on the couch, but risk doesn’t stop us from getting out there. In fact, it’s often the outdoors that get us out of bed—or a sleeping bag if we’re lucky—in the morning. That's where Buddy fits in, to fill the insurance gap in our gear bags and provide coverage to folks who love getting in the river.

First, we created one of a kind on-demand accident insurance that helps cover the out-of-pocket costs of ER and hospital trips, so you don’t have to pawn your gear if you get hurt. Our on-demand accident insurance is available in Arizona, Colorado, Kentucky, North Carolina, Ohio, Tennessee, and Texas, and rolling out state-by-state nationwide. Get a quote now to see what some piece of mind on your next adventure might cost.

Second, we want to grow our community, so we give 10% of what we make to nonprofits dedicated to outdoor education, access, and environmental preservation. We believe that Buddy’s missions to protect outdoor enthusiasts when it matters most can help this generation and the next be a bit more fearless. After all, every adventure needs a Buddy.