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Compare accident plans from the best insurers and select the one that fits you.
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Everything you need to know about accident insurance
Keys to choosing the right protection against unexpected accidents.
Accident insurance provides financial protection when an unexpected accident affects your ability to work or live normally. It covers medical expenses, hospitalization, rehabilitation, temporary or permanent disability, and even death resulting from an accident, complementing your health and life insurance.
When choosing accident insurance, consider your occupation risk level, sports and hobbies, daily commute, and existing coverage from work. A good policy should cover accidents anywhere in the world, 24 hours a day, and include medical expenses, disability benefits, and rehabilitation costs to get you back on your feet quickly.
24/7 coverage
Protection at work, at home, on the road and during leisure activities. Accidents don't have a schedule.
Disability benefits
Financial compensation for temporary or permanent disability resulting from an accident.
Medical expenses
Coverage for hospitalization, surgery, rehabilitation and physiotherapy after an accident.
Worldwide coverage
Protected wherever you are, whether traveling for work or leisure.
Coverage designed for your safety
Complete accident protection adapted to your lifestyle.
Guide to choosing your accident insurance
Practical tips to select the best accident protection for you.
Assess your risk level
Consider your occupation, sports activities and daily commute. Higher risk profiles need broader coverage.
Check existing coverage
Your employer may already provide basic accident coverage. Complement it rather than duplicate it.
Consider sports coverage
If you practice sports regularly, make sure your policy covers injuries during sporting activities.
Review disability benefits
Check the benefit amounts for temporary and permanent disability. They should cover your living expenses.
Look at rehabilitation coverage
Post-accident rehabilitation can be expensive and long. Good coverage includes physiotherapy and specialist treatments.
Compare worldwide coverage
If you travel frequently, ensure your policy protects you abroad with the same coverage as at home.
Why get your accident insurance with us?
Benefits designed for people who value their safety.
Real price instantly
No estimates, no asterisks. See your final price in seconds and sign up whenever you want.
No mandatory calls
100% online process. You decide when, how, and from where.
Complete mobile app
Manage your insurance from your phone: policies, claims, direct contact with your advisor.
Best price guaranteed
We compare the best insurers to always offer you the most competitive market price.
Plan comparison
All coverage detailed so you can choose clearly.
| Coverage included | Essential | Active | Premium |
|---|---|---|---|
| Accidental death benefit | |||
| Permanent disability | |||
| Temporary disability benefit | |||
| Medical expenses | |||
| Sports coverage | |||
| Worldwide coverage | |||
| Income protection | |||
| Psychological support |
Essential
Active
Premium
What our clients say
Real stories from people who trusted us with their protection.
“I had a fall at work and the insurance covered everything: hospital, rehabilitation and even my income while I couldn't work. It was the best decision I ever made.”
David S.
Construction worker, Las Palmas
“As an avid cyclist, having accident coverage gives me peace of mind. When I had a crash, the physiotherapy sessions were fully covered.”
Laura P.
Cyclist, Tenerife
“With my job on the road every day, accident insurance is essential. Torino offered me the best price by far and the process was completely online.”
Javier R.
Delivery driver, Gran Canaria
Frequently asked questions about accident insurance
Have more questions? Contact us and we'll help