Why Do You Need Accident Insurance?

An injury may have a bigger financial impact than you’re expecting. The average individual health insurance deductible is over $4,000. Add in copayments, coinsurance, and all of the other expenses— like gear— your personal cost of a wreck may leave you in a frustrating position. With protection from Buddy, you can worry less about the cost of an accident and focus the adventure ahead.

  • Deductibles have risen 63% year over year.
  • Co-insurance requires you to pay a percentage after you've paid your deductible.
  • Buddy is the only accident insurance you can buy by the day.
  • We pay you directly, and you can use the money how you see fit.

How It Works

Our on-demand accident insurance is simple.


Answer a few questions (don't worry, it's way shorter than your average BuzzFeed survey).


Have FUN! Whenever, wherever, Buddy's got your back with 24/7 global coverage.


If you get hurt, file a claim. It's super easy and we'll walk you through the entire process.


Q. Am I only covered in the state where I reside and purchase my policy?

No. With Buddy, you’ll be covered no matter where you go. While you must purchase coverage based on the state where you reside, you can rest assured knowing you’ll be protected whether you’re riding the trails across town, or heading out of the country for the adventure of a lifetime.

Q. Am I only covered while participating with Origin?

No. Our policy provides 24/7 coverage for all activities not excluded by the policy while it is active. You can read more about exclusions

Q. Is there a deductible?

No. Our benefits are first dollar benefits, which means we pay you the amount listed in our table of benefits when certain events occur, like an overnight hospital stay.