Lowe’s accident insurance can help you and your family cover unexpected out-of-pocket expenses associated with an accidental off-the-job injury. You may receive a benefit for hospitalization, fractures, burns, diagnostic exams, wellness exams, and more. The plan will pay a specified amount for the covered procedure.

Allstate administers the accident insurance benefit. To learn more, click here.

Below is a sample of the benefits that are payable under the policy. Click here to review the limitations and exclusions, and the full set of coverage provisions.


Benefit Benefit Payable
Eligible Wellness Exams$75 per year
Hospital Stay (minimum 18-hour stay)$200 per day
Joint Dislocation$100 to $2,000 depending on condition
Burns$100 to $10,000 depending on severity
Fractures (maximum of 2 fractures per person per accident)$200 to $2,000 depending on location of fracture
Surgical Procedures$250 to $1,000 depending on the procedure
Physical Therapy$25 per day, maximum of 10 treatments per person per accident
Ambulance Benefit$150 for ground transportation; $1,000 for air transportation


Exclusions include:

  • An injury that occurred on the job
  • The injury was incurred prior to the covered person’s coverage effective date
  • The injury occurred as a result of war
  • The injury occurred due to suicide or an attempt at suicide