Voluntary Medical Payment Home Insurance Quotes in Canada   


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What is voluntary medical payment coverage?   

Voluntary medical payment coverage is a standard inclusion in home insurance policies. It provides insurance for reasonable medical expenses when someone accidentally hurts themselves on your property, and you’re not legally liable for the injury. Here’s how and when you might use it. 

Example scenario


  • Imagine a visitor to your home trips and hurts themselves, requiring physiotherapy. 
  • As a homeowner, you’ve ensured your home is well-maintained. 
  • In this scenario, you’re not legally liable for the person’s injuries. 
  • However, your voluntary medical payment coverage would cover some of their medical expenses. 
  • People living with you are excluded from receiving a settlement, but household staff are eligible. 



  • If the injured person is litigious, this coverage may prevent the need to file a larger claim, saving you and your insurance company money. 
  • Policy limits for this coverage may vary, but $5,000 per injured person is common. 
  • You don’t have to pay a deductible to use this coverage. 

Other scenarios


  • Besides slips and falls, here are other situations where you might use this coverage: 
  • Playing football with a friend who injures their shoulder. 
  • Someone slipping on your walkway. 
  • Accidentally bumping into someone and causing minor injuries (even if it occurs off your property). 

What is the difference between personal liability and voluntary medical payment coverage

Both coverage types are standard features of most home insurance policies and are intended for situations where a third party is injured. Here's how voluntary medical payment coverage and personal liability coverage work: 

Voluntary medical payment coverage


  • This coverage is a standard inclusion in most home insurance policies. 
  • It serves to compensate individuals who sustain injuries on your property, even if you're not legally responsible for causing the injury. 
  • Examples include guests tripping or slipping without any fault on your part. 
  • The purpose is to de-escalate disputes by showing goodwill. 
  • Common policy limits are $5,000 per injured person. 
  • Expenses are reimbursed until the first anniversary of the accident. 
  • No deductible applies to this coverage. 
  • It helps contain disputes before they escalate. 


Personal liability coverage


  • This coverage is also standard in home insurance. 
  • Unlike voluntary medical payment coverage, it is for scenarios where you are legally responsible. 
  • Most policies offer at least $100,000 for liability, but experts recommend $1 million. 
  • It covers legal settlements, medical expenses, long-term care, and legal fees. 

 Both coverages are essential for protecting yourself and others in different situations. 


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How much is the standard voluntary medical payment coverage payout?

The standard coverage limit (i.e., the amount the injured person could receive) is usually $5,000 per injured person per year. Check with your insurance company to see how much coverage your policy offers. 


What’s not covered by voluntary medical payment coverage?

You can only use voluntary medical payment coverage in scenarios where a third party—meaning a person who doesn’t live with you—sustains minor injuries. Here’s what’s excluded from this coverage:  


  1. Major injuries: The third-party liability portion of your home insurance policy handles these claims. 
  2. Long-term care: Rehabilitation costs incurred by a third party fall under your primary liability coverage, not voluntary medical payments. 
  3. Property damage: Voluntary payments for property damage are equivalent to voluntary medical coverage, and most home insurance policies include it. 
  4. Injuries to pets: Only humans can receive voluntary medical payments; pets are not covered. 
  5. Injuries to household members: Injuries sustained by people in your household, including yourself, are not covered. However, voluntary medical payments will cover household staff. 
  6. Intentional damage: Home insurance does not cover intentional acts of damage or injury. Filing a claim for an intentional injury is considered fraud. 

Frequently asked questions about voluntary medical payment coverage

Is there a deductible for voluntary medical payments home insurance coverage? 

You usually don’t have to pay a deductible when claiming your voluntary medical payments benefit. Voluntary medical payments coverage is a standard feature of most home insurance policies, providing a safety net for minor medical expenses. 

How do I know voluntary medical payments home insurance is suitable for me?

Voluntary medical payments coverage is a standard feature of most home insurance policies in Canada. That means if you have home insurance, it’s already included in your policy — no need to debate whether to buy it extra.  

But when should you claim this benefit? Insurance companies you can use your own discretion, as this coverage exists to quash disputes with neighbours or visitors before they escalate into a civil case.  

Making voluntary medical payments are gestures of goodwill on your part, which can help foster positive relationships with your neighbours.