Peace of mind for surgery

On demand accidental death insurance for medical procedures - as little as $90 for a $100,000 benefit

How it works

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Modern coverage process.
Get what you need, when you need it.
Not another monthly payment.

Medical procedures & surgeries

Coronary bypass? Joint replacement? C-section?
We cover the majority of elective procedures.

Like travel insurance

No medical exams.
No pesky phone calls.
Get a quote in about 90 seconds.

Good to know...

Insurance is confusing, so we’ve worked hard to make our product as simple as possible.
If you have any questions, you can always contact us!

How much does it cost?

Our goal is to make insurance accessible to as many people as possible. Premiums depend on the procedure, your age, and desired coverage. Most of our premiums are under $100.

What is the coverage you offer?

Our product covers the time between admission to discharge for a specific elective surgery. Our policy helps protect your loved ones’ financial future with coverage up to $100,000.

Is my procedure covered?

We cover hundreds of different elective procedures which account for the majority of all elective surgeries conducted annually. As part of the quote process, we will let you know if your particular procedure is covered.

Is giving birth covered?

At this time, we cover C-sections conducted at medical facilities.

No medical exam? Really?

That is correct! Your answers to simple health questions allow us to skip the cost and time of offline medical exams. There are no coverage exclusions for existing medical conditions.

What if my procedure is rescheduled?

If your procedure is delayed, let us know at least 48 hours before your original admission date

If your procedure is earlier, let us know at least 48 hours before your new admission date

Why Samos?

Samos was founded with a mission to provide quick and affordable peace of mind for those undergoing medical procedures, where traditional insurance products are not easily accessible.

What if I want to talk to someone?

Not everyone is comfortable with doing everything online. You can reach us by phone at


What are elective medical procedures?

Elective medical procedures are planned and booked in advance, as opposed to emergent, life threatening or critical procedures which are not typically scheduled in advance (eg: trauma surgery due to a car accident, emergency bypass due to a heart attack)

Samos Founder, Eric - just before his surgery

Our Story

In 2020, Samos’ Founder, Eric, was gowned and waiting on a gurney for his surgery when he realized he didn’t have life insurance. He had just left his job and was no longer covered by the group, life, or AD&D benefits of his previous company.

He started Googling his surgery as his thoughts were filled with risks, the recent mortgage he had just taken on, and all sorts of “what ifs”. Where there are well understood risks, you can usually find mitigation in the form of insurance. Should the unthinkable happen, he wanted his family to be taken care of. Eric was unable to find any such insurance.

Fortunately, Eric made it through his surgery and recovery well - but the experience prior to his procedure stuck with him. In digging further, he found that many people have little to no insurance. And for those who do, they may not fully understand what is covered. Many accidental death policies actually exclude death during medical treatment & surgery.

Eric went on to team up with health data veteran, Matt, and insurance veteran, Leon to develop this unique and innovative insurance. This led to the founding of Samos Insurance, providing a quick & cost-effective way to provide insurance in case of accidental death.