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How To Make Sure Your Child’s Injury Doesn’t Cause You Financial Stress

Children, Insurance, Personal Finance| Views: 1817

One of the biggest struggles of parenthood is deciding how hard we should try to keep them from hurting themselves as they grow up, get adventurous, and try new things the world!

No parent wants to see their child get hurt, but on the other hand, you also don’t want to make them afraid to explore the world.¬† You want them to become who they were meant to be. Each parent and child has to find the right balance between cautiousness and adventurous based on a combination of the child’s personality and the relative danger of their surroundings. Of course, no matter how careful you are and how closely you watch your child, they will eventually get hurt. From scraped knees to broken bones, minor and major injuries are an integral part of childhood. The key is to be financially prepared when it does happen so you can focus on recovery for your child.

Learning to Let Them Play

The first step to healthy, relaxed parenting is to accept that kids will get injured and that it isn’t the end of the world. If you hold on to a child too tightly and warn your child about every possible danger, you run the risk of making your child think that the world is much scarier than it really is. No parent wants to accidentally give their child a nervous disorder so the best answer is usually to just let them play. There will always be a few things that need to be stopped like standing on top of the jungle gym. By learning to sit back and watch only for truly dangerous behavior, you give them the freedom to learn and grow naturally.

When They Do Get Injured

Whether your child tried the high-dive for the first time or had their very first wipe-out learning how to ride a bike, injuries can and do happen. Children come home with scraped knees and cut hands all the time, often even smiling and bragging about falling and getting back up. But what about the accidents such as a broken leg or chipped tooth. These require more than just a little ointment for the wound, a tissue to wipe the tears and a cartoon band-aid to make it all better. While your child may be willing to shrug off the injury and go straight for recovery, the medical treatment they will need could put a serious dent in your wallet.

Make a Plan with Accidental Injury Insurance

Because we know that childhood injuries can get expensive, even if your child is otherwise perfectly fine, the natural solution is accidental injury insurance. Unlike health insurance which pays health care providers, accidental injury insurance pays you directly, ensuring that you can afford whatever treatments your child needs whether they’re at home or in a clinic. It can make up for your deductible payments, buy your child ice packs or sharpies for cast signing, and cover lost wages for time you may need to take off of work to take care of your injured child.

Because childhood injuries are practically guaranteed, do your peace of mind, bank account, and family a favor by planning for the inevitable future. Starting at less than $20 a month, Emerge provides you with accidental injury insurance for your child. This type of supplemental insurance ensures that no matter what kind of mess they get into, you can get them out of it without additional stress due to financial worries. You can focus on spending  quality time with your child helping them recover, discussing how not to repeat the injury, and feeling good about getting better.

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