What Is Alien Abduction Insurance?

Alien Abduction Insurance Explained

Alien abduction insurance conceptual people being abducted by aliens

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Alien abduction insurance is meant to cover your expenses if you are kidnapped by extraterrestrials. There are a few agencies that offer gimmick policies that claim to cover you in case otherworldly visitors abduct you.

Learn what abduction insurance is, if you can get it, and how it should work.

What Is Alien Abduction Insurance?

Alien Abduction Insurance (AAI)—also known as UFO insurance—is supposed to cover you if you are abducted by a non-human life form from another planet, more commonly known as aliens.

The few companies that have offered coverage for an out-of-this-world occurrence have taken different approaches to AAI. However, they are all more of a gag gift or gimmick.

How Alien Abduction Insurance (Supposedly) Works

Theoretically, you purchase AAI the same way as any other policy. You pay a premium at set intervals, and the insurance company provides monetary compensation for expenses that result from an abduction.

Alien abduction insurance is a gimmick—don't be fooled into thinking it's real coverage.

Not many insurance agencies actually cover an abduction. However, there is one popular provider that issues you a certificate of coverage. On their certificate, the Saint Lawrence Agency promises to give you $10 million in insurance if you can prove you were indeed abducted—but they only make payments of $1 per year on that commitment—it would take 10 million years to pay out fully.

What Does Alien Abduction Insurance Cover?

Gimmick AAI policies have claimed to provide medical coverage for:

  • Psychiatric care
  • Tractor beam burns
  • Alien pregnancy (with the possibility of coverage for men or women)
  • Injuries from alien examinations
  • Temporal anomaly injuries
  • Transporter psychosis
  • Thoron exposure

Abduction policies might also cover:

  • Compensation for lost wages
  • Vehicle replacement (if the aliens took your vehicle and didn't return it with you)
  • Other financial losses that result from an abduction

If you're looking into AAI coverage, you should make sure that the policy you're getting covers the circumstances you're most likely to encounter. Every insurance company is different, especially regarding these unusual types of coverage, so be sure to ask what is covered and how the payments are made.

This type of insurance is not standardized, so beware that you are taking a chance when buying a policy. You need to review all the details and paperwork carefully.

Real insurance policies will probably cover everything that can happen if you're abducted.

Do I Need Abduction Insurance?

Investigations and reports of unidentified flying objects naturally lead us to wonder if there are extraterrestrials and what they might be doing. We've all heard stories and seen countless movies, documentaries, and docu-series about alien abductions.

Without proof or having experienced these occurrences ourselves, it is normal for people to question if it is possible or whether they should prepare for it. It's important to understand that insurance doesn't prevent anything from happening, so if you're only afraid of an abduction occurring, insurance may not be the right choice.

However, if you're afraid of what an abduction might do to your finances or health, you might consider insurance policies that are not alien abduction-specific. Since AAI offers gimmick policies, it might be better to purchase an actual insurance policy that provides real coverage.

Alternatives to Alien Abduction Insurance

Instead of shopping for AAI-specific policies, you could look for policies that cover injuries or trauma that might occur if you happen to be abducted. This could be medical coverage, financial reimbursement for property loss, psychiatric treatment, medical conditions, or other general life occurrences.

Medical coverage will cover your physical needs if you're injured during an abduction or if you've become pregnant during one. If you need psychiatric care, medical coverage will assist with that also. If your car is damaged or stolen by aliens (you can report it as a vandalized or stolen vehicle), your auto insurance provider will more than likely cover it if it meets your policy's coverage requirements.

In short, current insurance policies already cover everything you'll need if aliens abduct you; they just aren't called alien abduction policies. There isn't a need for such an approach (yet).

Key Takeaways

  • Alien abduction insurance is not real.
  • Life, health, homeowners, and auto insurance generally cover everything that could happen to you if you are abducted.
  • Your health and finances can be affected by an abduction, so it is essential to have real coverage if you're worried about it happening.