A Guide to National General’s Short Term Insurance Plans

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:

  • Key benefits and coverage details
  • Ideal usage scenarios
  • Cost savings compared to long-term policies
  • How to apply and qualify

Whether you need temporary health or auto coverage, read on to see if National General’s short term insurance fits your needs.

What is Short Term Health Insurance?

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:

  • Coverage duration: Choose from 30 days up to 364 days of coverage.

  • Renewals: Policies can be renewed for up to 36 months in most states.

  • Benefits: Inpatient and outpatient medical, prescriptions drugs, x-rays, lab services and more.

  • Pre-existing conditions: Not covered unless through special waiver plans in some states.

  • Prescription drugs: Generic and brand name drugs covered.

  • Doctor choice: Access any doctor or hospital – plans are not limited to networks.

Short term health insurance costs significantly less than an ACA plan because coverage is tailored to your temporary needs.

When Short Term Health Coverage Makes Sense

There are many situations where short term health insurance can be a good solution:

  • Waiting for employer plan or Medicare coverage to begin

  • In between individual health insurance policies

  • Missed marketplace enrollment period deadline

  • Recent college graduate transitioning off parent’s plan

  • Part-time contractor needing interim coverage

  • Want lower cost basic medical coverage

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 Cost Savings

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:

  • $486 per month for one person

The comparable National General short term policy would be around:

  • $160 per month – a 67% savings

The lower premiums apply for all ages – giving individuals and families an economical way to get health coverage for under one year.

What is Short Term Auto Insurance?

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:

  • New resident waiting for license and registration

  • Student home from semester break

  • Renting a car for a short trip

  • Temporary vehicle storage

  • Driver license reinstatement period

  • Need coverage while shopping for regular auto policy

The Benefits of National General’s Short Term Auto Policies

National General’s short term auto product offers these advantages:

  • Policy terms: Daily, weekly, monthly or up to 6 months

  • Liability coverage: Bodily injury and property damage (state minimums)

  • Collision and comprehensive: Optional coverage for vehicle damage

  • Emergency roadside assistance: Up to $100 per event

  • Convenient application: Finalize coverage in 5 minutes online

  • Affordable pricing: Costs 25-40% less than standard policies

Whether you need a policy for a week or six months, short term auto insurance provides flexible liability and physical damage protection.

Comparing Long Term vs. Short Term Auto Rates

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.

How to Qualify for National General Short Term Coverage

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:

  • Valid U.S. ID like a driver’s license or passport
  • Social security number
  • To be under age 65 for health plans
  • No lapse in prior health coverage longer than 63 days
  • No major pre-existing conditions

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.

Get Free Quotes on Short Term Insurance

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:

  • Talk to an agent who can answer questions and provide quotes. Over 55,000 independent agents offer National General policies.

  • Get an instant quote online by submitting just a few details about what coverage you need.

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.

National General Short-Term Health Insurance Review: Pros and Cons


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.

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