When you need insurance coverage for a limited period of time, short term insurance plans offer an affordable alternative to traditional health or auto policies. National General offers short term options for both health and auto insurance.
This guide will provide an overview of National General’s short term insurance products, including:
Whether you need temporary health or auto coverage, read on to see if National General’s short term insurance fits your needs.
Short term health insurance provides temporary medical coverage for 30 days to 364 days in most states. It can fill gaps in coverage when transitioning between jobs or waiting for marketplace plan enrollment.
Key facts about National General’s short term health plans:
Short term health insurance costs significantly less than an ACA plan because coverage is tailored to your temporary needs.
There are many situations where short term health insurance can be a good solution:
Short term health plans provide an affordable way to avoid gaps in health coverage during life transitions. And the flexible policy terms allow you to match the length to your exact needs.
Short term health insurance premiums are often 60-70% less expensive compared to unsubsidized Affordable Care Act plans.
For example, for a 40-year-old in Illinois, a Silver marketplace plan costs approximately:
The comparable National General short term policy would be around:
The lower premiums apply for all ages – giving individuals and families an economical way to get health coverage for under one year.
If you only need temporary auto coverage, short term policies from National General provide liability, collision and comprehensive protection for as little as one day up to six months.
Reasons you may want short term auto insurance include:
National General’s short term auto product offers these advantages:
Whether you need a policy for a week or six months, short term auto insurance provides flexible liability and physical damage protection.
To show potential savings, here is an example auto policy comparison for a driver in Florida:
| Long Term Policy | Short Term Policy | |
|---|---|---|
| Duration | 6 months | 1 month |
| Liability limits | 50/100/50 | 10/20/10 |
| Collision deductible | $500 | $500 |
| Monthly premium | $182 | $94 |
The short term policy costs 48% less – even when insuring the same vehicle. The savings come from the shorter policy span and lower coverage limits.
National General aims to make short term health and auto insurance accessible and easy to obtain.
To qualify for short term coverage, you generally need:
The application process can be completed online or with your insurance agent in around 5-10 minutes. Coverage can start as soon as the next day.
If you need temporary health or auto insurance, National General provides affordable short term options to fill gaps and avoid paying for unnecessary long-term coverage.
The best way to find out if short term coverage fits your needs is to get a fast, free quote. You can either:
With low rates and coverage from 30 days to 364 days, National General’s short term insurance plans provide flexible temporary protection when transitioning between life stages.
Why is National General Insurance so expensive?
Like other car insurance companies, National General bases your insurance premiums on several factors, including your age, gender, and driving record. Because National General caters to customers with less-than-perfect driving records , its rates tend to be much higher than the industry average.
Is National General Insurance owned by Allstate?
When Allstate acquired National General in 2021 , another great pair came together, joining products to offer employers an even broader suite of coverage solutions for their employees.
Is encompass now National General?
Email Us Today In July 2020, Allstate Insurance (parent company of Encompass) announced its acquisition of National General Insurance, which closed in January 2021 . As part of the Allstate family of companies, the sales contact for your state may have an email address from Encompass, National General, or Allstate.
Who owns National General Health Insurance?
National General is owned by The Allstate Corporation. The Allstate Corporation is a publicly-traded American insurance company headquartered in Northbrook, Illinois, and it has owned National General since 2020.