--- title: Accidents Don’t Take a Summer Break - Be Prepared description: Whether it’s a misstep off the dock, a fall on the tennis court, or a backyard slip-and-slide gone wrong, accidents tend to happen when we least expect them. image: https://www.tmait.org/hubfs/June%202025/June%202025%20Week%201%20-%20Accident%20Insurance%201.png --- - [800-880-8181](tel:800-880-8181) - [CONTACT US](https://www.tmait.org/contact) - [SELF-SERVICE PORTAL](https://tmait.aebsys.com/#/) [![](https://www.tmait.org/hs-fs/hubfs/TMA%20Insurance%20March%202019/Image/logo.png?width=197&name=logo.png)](https://www.tmait.org/) Topics All Accident Insurance Accidental Death and Dismemberment Auto & Home Insurance Auto Insurance Business of Medicine Business Overhead Expense Insurance Comparing Insurance Providers COVID-19 FAQs Critical Illness Insurance Dental Insurance Disability Insurance Employed Physicians Family Featured Financial Advice Group Benefits Group Coverage Health Insurance Homeowners Insurance HSA Independent Contractor Independent Physician Individual Coverage Insurance For Good Insurance for Women Insurance Review Key Person Insurance Life Events Life Insurance Locum Tenens Medevac Insurance Medical Insurance Medical Practice Medicare Medicare Part D Medicare Supplement Medigap Nearing Retirement Office Overhead Expense Insurance Open Enrollment Personal Umbrella Insurance Pet Insurance Practice Management Practice Managers Practice Owners Prescription Drug Coverage Renters Insurance Residents Retired Physicians Retirement Short Term Disability Short-Term Medical Insurance Supplemental Hospital Indemnity Insurance Term Life Insurance Travel Insurance Vision Insurance Women Physicians Young Physicans Young Physicians ![Couple playing Pickle Ball](https://www.tmait.org/hubfs/June%202025/June%202025%20Week%201%20-%20Accident%20Insurance%201.png) [Residents](https://www.tmait.org/blog/topic/residents) # Accidents Don’t Take a Summer Break - Be Prepared 14 June 2025 Accidents Don’t Take a Summer Break - Be Prepared 3:06 Summertime is here - a season filled with baseball, boating, beaches, and maybe a well-earned vacation. Hopefully, the biggest bump in your plans is a little sand in your shoes or water up your nose. But when summer fun takes a turn, the consequences can be both physical and financial. Whether it’s a misstep off the dock, a fall on the tennis court, or a backyard slip-and-slide gone wrong, accidents tend to happen when we least expect them. Just like applying sunscreen, preparing for an accident is best done ahead of time. As a physician, you’ve likely taken precautions, your family has health insurance, and maybe even dental coverage. But even with health insurance, the bills that follow an accident, copays, deductibles, and more, can quickly add up. That’s where **TMA Member Accident Insurance, issued by The Prudential Insurance Company of America**, steps in. This supplemental coverage helps bridge the financial gap, offering added protection for you and your loved ones, so you can keep living life to the fullest. [![We're here to help - CLICK HERE or call today](https://no-cache.hubspot.com/cta/default/400074/29d1b372-39b3-447b-948d-6639f2215ed0.png)](https://cta-redirect.hubspot.com/cta/redirect/400074/29d1b372-39b3-447b-948d-6639f2215ed0)***[800-880-8181](tel:800-880-8181) 8:00 – 5:00 CST Monday – Friday*** ## Guaranteed Protection for You and Your Family This plan supplements your health insurance and **pays a lump sum benefit directly to you **based on diagnosis; no treatment or receipts are required. That means you can cover what you need, when you need it. Whether it’s ER copays, prescriptions, or just catching up on household bills while you recover, this plan gives you the flexibility and control. It’s more than peace of mind, it’s the added security your family can count on during life’s unpredictable moments. The plan pays benefits for: - Fractures - Dislocations - Hospital stays (inpatient and outpatient) - Dental and eye injuries - Burns - And more Eligible TMA members under age 65 can enroll with **guaranteed acceptance**—no medical questions asked. You can also extend coverage to your spouse or domestic partner (under age 65) and your dependent children under age 26. Coverage begins the day you enroll. ## Enjoy Summer Knowing You’re Covered Splashes and spills are part of summer fun—but so are the occasional slips. One quick step now can help protect your finances if an accident happens. TMA Member Accident Insurance makes it easy. Click below to enroll online or speak one-on-one with a knowledgeable TMA Insurance Trust advisor who can walk you through your options by calling 800-880-8181, Monday through Friday from 8:00 am to 5:00 pm, CST. Before you head out to the lake or hit the trail, take a moment to enroll. It's one simple step that could save you from big out-of-pocket surprises later. Because while you can’t plan for everything, you *can* be prepared. [![APPLY ONLINE TODAY](https://no-cache.hubspot.com/cta/default/400074/ef99f139-53c7-41b7-ac52-7f4019034b58.png)](https://cta-redirect.hubspot.com/cta/redirect/400074/ef99f139-53c7-41b7-ac52-7f4019034b58)[![New Call-to-action](https://no-cache.hubspot.com/cta/default/400074/215c3f65-2721-49c4-b1ff-b2fa0e31c893.png)](https://cta-redirect.hubspot.com/cta/redirect/400074/215c3f65-2721-49c4-b1ff-b2fa0e31c893) For over 70 years, TMA Insurance Trust advisors have been serving Texas physicians, their families and staff. TMA Insurance Trust prides itself on offering unbiased information and strategies to members, along with exclusive group rates on a range of quality insurance plans. **This coverage is not health insurance coverage (often referred to as "Major Medical Coverage").**   Group 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. In Washington, the controlling document is the Certificate, not the Contract. Please contact Prudential for more information. Contract provisions may vary by state. Contract Series: 83500. 1086848-00001-00 ** [ Residents ](https://www.tmait.org/blog/topic/residents) [, Accident Insurance ](https://www.tmait.org/blog/topic/accident-insurance) [, Independent Physician ](https://www.tmait.org/blog/topic/independent-physician) [, Employed Physicians ](https://www.tmait.org/blog/topic/employed-physicians) [, Practice Owners ](https://www.tmait.org/blog/topic/practice-owners) [, Practice Managers ](https://www.tmait.org/blog/topic/practice-managers) [, Locum Tenens ](https://www.tmait.org/blog/topic/locum-tenens) [, Independent Contractor ](https://www.tmait.org/blog/topic/independent-contractor) [, Insurance for Women ](https://www.tmait.org/blog/topic/insurance-for-women) [, Women Physicians ](https://www.tmait.org/blog/topic/women-physicians) [, Young Physicians ](https://www.tmait.org/blog/topic/young-physicians) ** [Individual Coverage](https://www.tmait.org/blog/topic/individual-coverage) [**Previous Entries](https://www.tmait.org/blog/dental-insurance-may-be-the-missing-piece-in-your-health-plan) [Next Entries**](https://www.tmait.org/blog/protect-your-people-and-your-plans-from-the-start-with-life-insurance) ## Recommended Posts ### [Dental Insurance and the Habits It Helps Shape](https://www.tmait.org/blog/dental-insurance-and-the-habits-it-helps-shape) ### [Unexpected Doesn't Have to Mean Unprepared This Summer](https://www.tmait.org/blog/unexpected-doesnt-have-to-mean-unprepared-this-summer) ### [When “Easy Online” Life Insurance Wasn’t So Easy](https://www.tmait.org/blog/when-easy-online-life-insurance-wasnt-so-easy) ### [One Plan for the Year—Travel Insurance That Covers Every Trip](https://www.tmait.org/blog/one-plan-for-the-year-travel-insurance-that-covers-every-trip) ### [Disability Insurance—Without Gender-Based Pricing Discrimination](https://www.tmait.org/blog/disability-insurance-without-gender-based-pricing-discrimination) ### [Mind the Gap: Why Your Employer’s 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