Supplemental Insurance for the Miles Between You and Home
An accident or ER visit three states from your domicile still comes with a bill, a tow, and time off from remote work. Supplemental insurance pays cash benefits directly to you - not to a hospital - so a critical illness, injury, or hospital stay on the road doesn't force you to dip into savings or cut the trip short. For self-employed van lifers and RVers without paid sick leave, it fills a gap traditional health insurance leaves open.
Types of Supplemental Insurance We Offer
Critical Illness Insurance
A critical illness policy pays you a lump-sum cash benefit - typically $10,000 to $100,000 - upon the first diagnosis of a covered condition. Common covered illnesses include heart attack, stroke, cancer (most types), organ failure requiring transplant, end-stage renal disease, paralysis and major neurological events, and coma. You can use the cash benefit for anything - medical deductibles, home care, travel for treatment, lost income, or everyday bills. Critical illness plans start at approximately $20-$40/month for a $25,000 benefit.
Accident Insurance
Accident insurance pays scheduled cash benefits when you're injured in a covered accident - regardless of what your health insurance pays. Benefits are triggered by ER visits, hospital admission after an accident, fractures, dislocations, burns, concussions, internal injuries, ambulance transport, and physical therapy following injury. With the average ER visit costing $2,200, accident insurance provides meaningful financial protection for surprisingly low premiums - often $12-$30/month.
Hospital Indemnity Insurance
Hospital indemnity plans pay a fixed daily cash benefit for every day you're hospitalized - typically $100-$500 per day - plus additional benefits for ICU admission, surgery, and outpatient procedures. This benefit helps offset health insurance deductibles and out-of-pocket costs that can add up quickly during an extended hospitalization.
Cancer Insurance
Cancer insurance is a specialized critical illness product that focuses exclusively on cancer diagnosis, treatment, and recovery. Benefits can include lump-sum diagnosis benefits, chemotherapy and radiation benefits, and transportation or lodging reimbursements for treatment away from your domicile - useful when the closest specialist isn't anywhere near your current parking spot.
Short-Term Disability Insurance
If illness or injury prevents you from working, short-term disability insurance replaces a portion of your income - typically 60-70% - during the recovery period. Benefit periods range from 90 days to 2 years. For self-employed individuals and those without employer disability coverage, this is an essential protection that most Americans overlook until it's too late.
Who on the Road Needs Supplemental Insurance?
- Van lifers and RVers on high-deductible health plans (HDHPs) with a large out-of-pocket exposure
- Self-employed and remote-income travelers without paid sick leave or employer disability benefits
- Full-time RV couples where one person's income supports the household
- Anyone with a personal or family history of heart disease, cancer, or stroke
- Skoolie and DIY-build travelers doing physically demanding conversion or maintenance work
- Anyone whose savings couldn't absorb an out-of-network ER visit far from their domicile state
How Much Does Supplemental Insurance Cost?
Most supplemental plans are surprisingly affordable - especially compared to the financial risk they protect against:
Ready to see your options?
Answer a few quick questions and a licensed advisor will email your personalized plan options within one business hour. 100% free, no obligation.