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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.

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

Depending on what your deductible is, or how high your coinsurance responsibility is, a spill on trail could cost you thousands of dollars out-of-pocket, even with health insurance. Learn more about our friend’s accident, and more about how you can find your gap areas here.

Where is Buddy’s accident policy available for purchase?

Buddy is currently available in Alabama, Alaska, Arkansas, Arizona, Colorado, Connecticut, District of Columbia, Delaware, Florida, Georgia, Hawaii, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Michigan, Minnesota, Mississippi, Missouri, Montana, North Carolina, North Dakota, Nebraska, New Hampshire, New Jersey, New Mexico, Nevada, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Washington, Wisconsin, West Virginia, and Wyoming, and is rolling out nationwide. Sign up below to be notified when we go live in your state.

In what states is Buddy licensed?

Buddy Technology, Inc. is currently licensed in 48 states and Washington, D.C. Massachusetts and New York are coming soon.


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 call us at 833.462.8339 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?

To report a claim, you will need to notify us at claims@buddy.insure. 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.

Who do I contact if I have an issue with a claim I am trying to file, or have previously filed?

Shoot us an email at claims@buddy.insure if you have any concerns during the claims process. If you already have a number assigned to your claim, please provide that in your email.