Medical Payments

Medical payments coverage is an important part of your boat insurance policy, as it covers you and your passengers -- regardless of who is at fault for an accident that causes bodily injury or death. In the event of an accident, your insurance company will reimburse you and your passengers up to the predetermined limit level for medical expenses.

Also known as MedPay coverage, this important aspect of your insurance will pay for injuries sustained in the boat at the time of the accident, along with injuries caused while tubing or water skiing. In most cases, MedPay is limited to medical treatment received within 3 years of the accident and limited to a dollar amount.

Boat insurance medical payments
Boat medical payments coverage

Coverage is available from $500 to $10,000 and covers the following:

  • Hospital bills
  • Ambulance fees
  • Doctor appointments and follow-up visits
  • X-ray costs
  • Cost of surgery
  • Dental visits
  • Funeral expenses
  • and more

One of the greatest things about Medical Payments coverage is it works in excess of the coverage you may already have through health insurance to cover co-pays or other out-of-pocket costs. If you do not have health insurance, Medical Payments coverage is all the more important.

Contact KADAIR Insurance today to build a custom boat insurance policy that includes Medical Payment coverage and any other coverage options you need. We will do your comparison shopping for you to find the best insurance policy among top-rated boat insurance companies to get you the coverage you need at a price that fits your budget.

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