5 Critical Features to Look for In Trauma Coverage

What agents, brokers, and employers need to know when protecting clients from the unexpected.

Research shows that around 70% of people globally will experience a potentially traumatic event during their lifetime. And when that happens—whether it's an act of violence, an accident, or a crisis at work—the emotional toll can be enormous. Then there’s the financial fallout, which only makes it harder to heal.  

In a world where crises are becoming far too common—and costly—more agents, brokers, and employers are taking proactive steps to offer trauma insurance as an additional layer of support. That kind of foresight can make a real difference.

But that said, simply offering coverage isn’t enough. 

The value of trauma coverage depends entirely on the strength of the plan behind it. Not all trauma coverage plans are created equal—and what may seem like small differences can actually have a major impact on someone’s ability to heal, recover, and move forward.

If you're evaluating trauma coverage solutions for those in your care, here are five critical features to look for—and why they matter. 

1. Lost Wage Benefits That Fully Replace Income

Trauma doesn't just affect the body and mind—it disrupts daily life, including the ability to work. In a global study of over 60,000 people across 24 countries, individuals with Post-Traumatic Stress Disorder (PTSD) missed an average of 43 days of work—nearly three times the overall average.

That’s why strong trauma coverage should include robust wage replacement—so individuals can focus on healing without financial strain. At American Trauma Insurance (ATI), insureds receive 100% of their regular pay from all sources of employment income, up to the plan’s maximum benefit. 

2. Flexible, Evidence-Based Mental Health Support

The right trauma insurance policy should offer flexible trauma counseling options that honor how each individual heals. Some people prefer in-person sessions, while others are drawn to the accessibility of online care.

ATI offers both. Our network includes licensed experts in a wide range of therapies—such as psychotherapy, Cognitive Processing Therapy, EMDR, Prolonged Exposure, and medication-assisted therapy—delivered in-person or virtually, depending on the individual’s needs and comfort level.

Trauma recovery is not one-size-fits-all. The right policy should reflect that.

3. Support for Students Facing Trauma

According to the 2024 Annual Report from the Center for Collegiate Mental Health, nearly half of college students attending counseling services have experienced a traumatic event that caused them to feel intense fear, helplessness, or horror. From aggravated assaults to mass shootings, students are not exempt from the ripple effects of traumatic events—and your trauma coverage should account for that population.

ATI’s Trauma Coverage product includes a Student Financial Assistance Benefit. Depending on legal status, insured students or their legal guardian(s) receive $100 per day until the aggregate maximum limit of insurance for this benefit is met or the date the student returns to school, whichever first occurs. (This amount is up to the plan maximum.)

4. No Waiting Periods for Benefits

When someone can’t work because of trauma, they shouldn’t have to wait weeks—or months—for help. Unfortunately, many policies impose a waiting period that can leave insureds struggling at a time when they’re most vulnerable.

At ATI, there’s no waiting period. If an insured is unable to work due to a covered traumatic event, that person will begin receiving 100% of their income (again, from all sources) right away, up to the limits of their plan. Immediate support. No red tape. Just help when it counts.

5. Real Stories, Real Results

It’s easy to talk about trauma insurance in terms of benefits and coverage—but what matters most is the human impact. Look for a provider that not only offers comprehensive coverage, but can also share real-life stories of recovery, resilience, and support.

Throughout our long history of providing trauma coverage, we’ve heard from all kinds of individuals and families who’ve found stability and healing through these benefits. To us, they’re not just policyholders—they’re survivors, caretakers, and professionals whose lives were changed because someone offered them the right protection at the right time.

Reach Out With Questions

Choosing the right trauma coverage plan is more than checking boxes—it’s about ensuring real, meaningful support during life’s hardest moments.

When you’re comparing providers or requesting trauma coverage quotes, ask about these five features. And if you want a partner who builds plans with compassion, clarity, and proven protection, American Trauma Insurance is here to help.