Frequently Asked Questions

Accident insurance is a supplemental insurance that provides financial support in the event you are injured in an accident. It helps cover costs that your health insurance may not fully cover, like hospital bills, medical treatments, and recovery expenses. There are no restrictions on how you use the money, and benefits are not affected or offset by other insurance plans.

It’s designed to give you peace-of-mind knowing that if the unexpected happens, you and your family won’t have to shoulder the financial burden alone.

Health insurance does not cover all out of pocket expenses, like deductibles and copays. Accident insurance plans help by providing additional financial support when unexpected accidents occur, covering costs that your medical plan might not. It can also help with non-medical expenses, such as lost wages or transportation costs.

An accident insurance plan provides lump-sum benefits based on the type of injury (or covered incident) you sustain or the type of treatment you need.

Some examples of covered injuries include:

• Broken bones
• Burns
• Torn ligaments
• Concussions
• Eye injuries
• Ruptured discs
• Lacerations

Some examples of covered events include:

• Emergency room treatment
• Doctor’s office visit
• Hospitalization
• Physical therapy
• Imaging (X-ray, MRI, CT scan)

* Please see your certificate for complete details of your coverage.

Accident insurance primarily covers injuries resulting from unexpected accidents. Some things that are not covered by accident insurance, but may be covered under your health insurance or critical illness insurance include:

• Diagnosed critical illnesses, such as cancer
• High-risk sporting activities, such as skydiving
• Intentional self-inflicted injuries
• Injuries sustained while under the influence

It’s important to read the terms and conditions of your policy to understand what your accident insurance plan covers.

* Accident Insurance is a limited benefit indemnity coverage. It is not a substitute for major medical coverage.

Critical illness insurance offers valuable financial protection for anyone who wants to safeguard their savings and avoid mounting debt in the face of a serious health condition. It provides a lifeline during a challenging time, allowing you to focus on your recovery.

Critical illness insurance pays you a lump sum of money without a deductible, and you can choose how to spend the money, whether it’s for medical bills or household expenses. By easing the financial burden, critical illness insurance can help protect your family’s financial security.

A critical illness insurance policy covers a range of severe health conditions. These may include:

• Cancer
• Stroke
• Heart attack
• Kidney failure
• Alzheimer’s disease
• Multiple sclerosis
• Organ transplant

It’s important that you check your policy to understand what is covered.

*Critical Illness Insurance is a limited benefit indemnity coverage. It is not a substitute for major medical coverage.

To view your specific benefits, you can access the Canopy Insurance Member Portal, which provides detailed information about your coverage.

Online Access:

• Register on the portal to create an account: If you haven't created an account yet, you can easily set one up by clicking on "Register" to Register as a Member/Individual. You will need your Contract Number, which is located on your Canopy ID Card.
• Log in: If you already have an account, log in to the Canopy Insurance portal to see a summary of your benefits. This includes your covered services, copays, deductibles, and out-of-pocket maximums.

You can also call our Customer Service Team for assistance at (205) 451-0444 Monday - Friday, 8am - 5pm CST.