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What is Buddy?

Buddy is an insurance agency built for outdoor enthusiasts. We are adventurers, techies, and insurance innovators and we're creating a platform to protect you as you enjoy an active, outdoor life.

What is accident insurance?

Accident insurance helps you cover the unexpected costs of an injury. Learn more about accident insurance.

Where is Buddy's accident policy available for purchase?

Buddy is currently available in all states except California, Idaho, Massachusetts, Maryland, New York, Ohio, and Virginia.

Why do I need accident insurance if I have health insurance?

Accident insurance may help to cover those costs not included under your health insurance plan including deductibles and coinsurance costs.


How do I change or cancel my policy?

To request a change or cancellation, contact us. Soon you will be able to request a change or cancel your policy using our customer portal.

How do I contact Buddy with a question or feedback?

See our contact page for details on contact information.

Does Buddy's accident policy have a deductible?

No! Our accident policy has first dollar benefits, which means that you don't have a deductible you are required to meet before your claim is paid.

Does Buddy cover me internationally?

Yes! With Buddy, you’re covered anywhere in the world. While you must confirm your state of residence to purchase a policy, you can rest assured knowing you’ll be protected from Fargo to Fiji and beyond.

If I file a claim, what can I expect Buddy to pay?

Check out our list of benefits here.

What activities are not covered?

See our list of exclusions.

Is Buddy an alternative to health insurance?

No. The insurance offered by Buddy is not health insurance and is not recommended as an alternative to health insurance. This is accident insurance which provides limited benefits. Limited benefit plans are insurance products with reduced benefits intended to supplement comprehensive health insurance plans. This insurance is not an alternative to comprehensive coverage. It does not provide major medical or comprehensive medical coverage and is not designed to replace major medical insurance. Further, this insurance is not minimum essential coverage as set forth under the Patient Protection and Affordable Care Act.

How soon before I need coverage do I need to sign up?

Buddy offers the ONLY same-day accident insurance policy. If you purchase a policy for today, your coverage begins as soon as payment is processed. Get covered in 90 seconds or less.

How do I extend or make changes to my policy?

Please email us at support@buddy.insure to make any changes to your policy.

I'm visiting from outside the US. Can I purchase a policy while I'm here?

Currently, we can only offer our accident insurance to US residents.

Can I buy coverage after I have an accident?

Sure, but only accidents that occur during the policy will be covered. If you purchase a policy after you have an accident, we will not be able to pay any benefits for that accident.


How do I file a claim?

See our claims page for more details.

How long does it take for a claim to be paid?

Claims will be paid as soon as they are approved, usually within 3-7 business days.