TRAUMA COVERAGE®
Protection for every stage of life
Health insurance covers hospital bills and doctor visits, but not the weeks after a covered traumatic event—when a student can’t return to class, a parent can’t work, costs pile up, and the family needs confidential trauma counseling right away. Through SAGE Scholars, families can add Trauma Coverage to close those gaps, with benefits that may include specialized trauma counseling, lost-wage support, recuperation reimbursements, student financial assistance, and an accidental death benefit. There is no waiting period, coverage is guaranteed issue, and you choose who is protected:
Plan Benefits
Access to confidential, measurement-based therapy with a master’s-level or higher therapist trained in post-traumatic incident mental health.
Lost Wage
100% of the insured individual’s income from all employment sources while
they’re unable to work.
Recuperation
Reimbursement for out-of-pocket expenses related to medical, dental, vision, hearing, pharmaceutical, addiction to prescribed drugs, or lost wages of a family member providing supportive services.
Student Financial Assistance
Insured students or their legal guardians, receive $250 per day until either the benefit cap is reached or the student returns to school.
Accidental Death
In the event of a death due to a covered incident, the insured’s beneficiaries will
receive their plan’s maximum less any benefits already received.
Covered Incidents
All Benefits
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Aggravated Assault
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Sexual Assault
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Foreign Agent Assault
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Terrorism (including mass shootings)
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Infectious Disease Contraction*
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Accidental Death
Trauma Counseling Benefit
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Major Disaster
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Financial Fraud
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Bullied, Harassed, or Threatened*
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Secondary Trauma*
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Witnessing a Covered Violent Incident
* While working, or while on the premises of a school facility as part of their curriculum
Across the U.S., these incidents unfold every second—impacting lives without warning.
Study by the Department of Health Management and Informatics, University of Central Florida
Plan Options
Frequently Asked Questions
Give yourself peace of mind in today’s unpredictable world.
Join over 2 million people who are already protected by Trauma Coverage® and get simple, fast access to benefits with nationwide protection when you need it most.
Need help choosing the right plan?
Our team can walk you through the options and help you find coverage that fits your needs and budget. Reach out anytime by filling out the form or email eric@traumainsurance.com.