Where is Murphy available?
Alabama, Arizona, Arkansas, Georgia, Illinois, Louisiana, Mississippi, Nevada, North Carolina, Oklahoma, Oregon, Florida, Indiana, Kansas, Michigan, New Jersey, South Carolina, Texas, Kentucky, Utah, Washington, California, Pennsylvania. More states coming soon…
What happens if I get hurt in another state or country, where Murphy is not available?
You’re still covered. Anywhere you travel or go Murphy is there for you. Internationally or domestically.
Is Murphy Health Insurance?
Murphy is not a health insurance. Remember Murphy provides coverage for reimbursement of medical bills for injuries caused by accidents. Things like pre-existing conditions, general illness, and chronic sickness are not included in policy coverage. By the way, if you need health insurance, we know a company that can help you with that. Just
click here
Do I need Murphy if I already have health insurance?
In the US, the average individual health insurance deductible is over $1,600 through an employer plan. But many people have deductibles well over $5,000. Meaning that if you get hurt, you could potentially pay the out-of-pocket expenses. Murphy helps soften the pain incurred by medical expenses after you suffer a sudden accident.
What if I don’t have health insurance?
Murphy is not a health insurance replacement or substitute. In the event of an unexpected accident we can help cover up to your policy limit for doctor-recommended care related to your accident. However, if you get the flu, we unfortunately can’t help you with that.
How long does my policy last?
Your policy will automatically renew every 30 days. So, once a month your payment method on file will be automatically charged.
When does my coverage begin?
Your coverage begins the next day you purchase it at 12:01 AM. So, if you bought your Murphy policy Wednesday at 4PM, it will become effective the next day, Thursday at 12:01 AM.
When does my policy terminate?
This Policy will terminate at 11:59 PM standard time on the earliest of:
- The premium due date if premiums are not paid when due, subject to the Grace Period;
- The date the Policyholder requests in writing that coverage be terminated;
- The end of the Policy Year in which You attain the Termination Age specified in the Schedule of Benefits; or the date in which You die
What if I'm not a US Citizen or green card holder? Can I still buy a policy?
Yes. As long as you live in one of our approved states and can prove it with a billing address, you can purchase coverage.
Who is Murphy?
No, Murphy is not an Irishman. We are a diverse group of tech nerds, design lovers, and creative insurance minds. Our name was inspired by Murphy’s law, you know: If anything can go wrong, it will go wrong. Because we believe that if something can go wrong, you should get paid! Murphy is backed by one of the most progressive and innovative insurance companies in the world. Click on About Us for a more information.
Why are some states more expensive than others?
Each state is regulated differently, meaning your state government has different requirements than other state governments which impact premiums.
How do I apply?
As easy as just answering some questions and you’ll be approved in no time! (Really, it takes like 3 minutes.) Just
click here
Who backs Murphy claims?
Murphy policies are backed by Pan-American Life Insurance Company.
More questions?