We have an extra life insurance policy we got on dh (he's a Marine) when we got pregnant with ds1. It's through USAA and I think it includes about $50,000 (I think!) in disability insurance or something like that.
I figure, if dh gets injured we have that and dh will be medically retired so he will get some money from the military for that every month forever. Plus I think he may be eligible for unemployment (a close friend's husband actually just went through what we're talking about. And he got medical retirement and then unemployment until he got another job.).
It's not a lot, and we'd certainly be no where near as comfortable as we are now. But it's enough to help us keep on our feet while we figure things out. I'm going back to school soon so it would probably be me changing my career goals to something that will take a short amount of time for me to start making money.
Oh! And dh is transferring his GI Bill over to me (he's making the military a career) so if he is injured and medically retired, I will be able to get the BAH while using the GI Bill (though spouses can't get the BAH if the service member is currently active duty.).
Anyway, I've never had any experience with just strait up personal injury insurance, but I would talk to USAA and see. I've never known them to have war exclusions of any type. Just remember there are other options available in the case that something awful does happen.
