Medical Payments Coverage and What is Covered

Medical Payments (MedPay) coverage and what it can be used to cover
Medical Payments (MedPay) coverage and what it can be used to cover. Medical Payments is an optional coverage that can be added to an automobile or homeowners’ policy. For auto, MedPay typically covers the policyholder, family members or permissive users driving the car and any passengers. In terms of homeowner claims, MedPay typically includes protection for medical expenses incurred by visitors if they get hurt on the listed property, regardless of whose fault it was. 


This is a first party coverage that applies no matter who's at fault. Med Pay typically covers the following expenses:  

  • EMT and ambulance fees 
  • Hospital visits and stays 
  • Doctor visits; physical therapy  
  • Surgery and X-rays 
  • Professional nursing services and care 
  • Prosthetic limbs 
  • Dental procedures needed as a result of an accident 
  • Injuries sustained as a pedestrian if a vehicle hits an insured  
  • Funeral costs 


MedPay coverage follows the policyholder. In other words, if an insured is walking, riding in a friend's car or using public transportation, medical payments coverage remains active. You're covered across the United States too.  Usually MedPay is paid until exhausted, then the health insurance policy would apply. Coverage limits on MedPay are usually low, typically $1,000-$5,000. They're mainly intended to cover immediate medical and funeral expenses following an accident or to supplement other types of insurance. If someone injured while on the job, then that is covered by workers' compensation and not MedPay. 


The following are typically not covered by MedPay:  

  • Injuries suffered by a resident of the home or your pets 
  • General pain or suffering 
  • Damage to your property 
  • Accidents that occur outside of your home or its boundaries 
  • Communicable diseases, such as a guest contracting COVID-19 while visiting the home 
  • Controlled substances 

Medical payments coverage does not apply to anyone who lives in the home, either as a dependent or a tenant. It also doesn’t apply if the injury is expected or intentional, for example because of a fight. 


At Conner Insurance, we have set the standard for superior guidance and exceptional service for more than 70 years. Contact us at (317) 808-7711 to speak to one of our advisors. We serve clients across the entire country. Our headquarters is in Indiana and we have satellite offices to serve clients in all 50 states.    

Disclaimer: These monthly blogs contain general information and may be subject to change. Policy language may vary by insurance carrier, so please refer to the specific policy in question. The Claims Advocate does not make any representations that coverage does or does not exist for any claim or loss and in no way guarantees coverage for claims. 


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