NEA Accident and Injury Insurance Program - Girl With Broken Wrist Being Treated in Hospital Emergency Room

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NEA Accident and Injury Insurance Plan

Get coverage for out-of-pocket medical and non-medical costs health insurance may not cover

Get a Quote or Enroll Now



Get added peace of mind for accidental injuries

The NEA Accident and Injury Insurance Plan, an Accident coverage issued by The Prudential Insurance Company of America is affordable insurance coverage for unexpected and costly expenses incurred by accidental injury.

  • Acceptance is guaranteed—no health questions or medical exams.
  • 24/7 coverage for common injuries such as fractures, burns, and cuts.
  • Standard and Enhanced Plans available for members only and member, spouse and children.
  • Coverage helps pay for out-of-pocket expenses often not covered by major medical insurance.
  • Coverage is portable if you change jobs.*
  • There are no pre-existing condition limitations.

how it helps

Help protect the health and financial well-being of you and your family


Be prepared for unexpected medical bills

Visiting an emergency room can cost between $1,200 to $1,300.**  Family Standard coverage costs less than $12 a month and can help you manage these unexpected medical expenses. 

Choose the plan that’s right for you

The NEA Accident and Injury Insurance Plan offers a choice of two benefit plans—Enhanced and Standard.

Reduce out-of-pocket costs

Coverage helps pay for medical services (X-rays, Emergency Room visits, physical therapy, etc.) and equipment (canes, walkers, etc.) often not fully covered by health insurance.

Receive direct payments

The Accident and Injury Insurance Plan pays out a benefit whether or not other insurance pays a benefit, including disability and workers’ compensation. Payment is based on proof of treatment, not proof of diagnosis, and rates are not age-based.

How It Works

Sign up now, no medical exam required

Choose the right plan

A few sample benefits are below.


Type of Loss



Emergency Room Visit



Burn (2nd Degree)



Wrist Fracture



Hip Dislocation



surgical repair



Physical Therapy



Get a quote or enroll today

  1. Make sure you’re signed in to your NEA Member Benefits account.
  2. Click the “Get a Quote or Enroll Now” button above. You’ll be directed to the NEA Accident and Injury Insurance Plan page.
  3. Answer a few questions and then select your plan.
  4. Purchase directly through the online enrollment portal.

Terms & Conditions 

* Must maintain NEA membership.

** 5/11/2021, American Family Care, Cost of Urgent Care vs. Cost of ER Visit.

The product issued by The Prudential Insurance Company of America may not be available in all states.

This site may contain marketing language, on products issued by The Prudential Insurance Company of America, that has not yet been approved in all states. 

This coverage is not health insurance coverage (often referred to as “Major Medical Coverage”).

This type of plan is NOT considered “minimum essential coverage” under the Affordable Care Act and therefore does NOT satisfy the individual mandate that you have health insurance coverage.

This policy provides ACCIDENT insurance only.  It does NOT provide basic hospital, basic medical, or major medical insurance as defined by the New York State Department of Financial Services.


Accident Insurance coverage is a limited benefit policy issued by The Prudential Insurance Company of America, a Prudential Financial company, Newark, NJ. Prudential’s Accident Insurance is not a substitute for medical coverage that provides benefits for medical treatment, including hospital, surgical, and medical expenses, and it does not provide reimbursement for such expenses. The Booklet-Certificate contains all details, including any policy exclusions, limitations, and restrictions, which may apply. If there is a discrepancy between this document and the Booklet-Certificate/Group Contract issued by The Prudential Insurance Company of America, the Group Contract will govern. Please contact Prudential for more information. Contract provisions may vary by state. Contract Series: 83500.