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Glossary

Medical payments coverage (MedPay)

Medical payments coverage is a sub-limit within a liability policy that pays small medical bills for injured guests regardless of fault. If a guest cuts a hand on a broken glass, MedPay covers the urgent-care visit without a lawsuit.

By Andrew Bate, Co-founderReviewed by Stuart BateUpdated

Why this matters for property managers

MedPay is the goodwill layer: paying a $1,500 ER bill quickly is what keeps a minor injury from becoming a liability claim with lawyers. Velaris guest injury coverage is built around no-fault medical payments for exactly this reason.

Worked example

A child needs stitches after a fall on a managed home's patio. The $1,800 urgent-care bill is paid under medical payments within a week, the family leaves a five-star review, and no liability claim is ever opened.

MedPay limits that keep small guest injuries from becoming claims

Medical payments coverage is written as a per-person limit inside the liability policy, typically $1,000 to $10,000, and it pays without anyone admitting fault. For a property manager it is the goodwill layer: a guest whose urgent-care bill is paid within days rarely calls a lawyer, while a guest who is told to prove negligence often does. Make sure every managed home carries it, know the limit, and report injuries promptly with receipts; MedPay is only as fast as the paperwork. Velaris guest injury coverage is built around no-fault medical payments for exactly this reason.

Related terms

General liability
General liability covers third-party bodily injury and property damage claims. If a guest trips on a loose step and breaks an arm, general liability pays the medical bills and defends any lawsuit.
Liability
Liability is legal responsibility for injury or damage to someone else. If a guest is hurt at a property and the owner or manager is found liable, they are responsible for the guest's medical costs, legal fees, and any settlement or judgment.
Event liability insurance
Event liability insurance covers third-party bodily injury and property damage arising from an organized gathering — a wedding, retreat, or party — at a vacation rental, at limits selected for the event. It fills the gap left by host policies and platform protection, which typically exclude events.

Browse every term in the insurance glossary for property managers.

Medical payments coverage (MedPay): common questions

What limits does MedPay usually carry?

$1,000–$10,000 per person is common. It is intended for minor injuries; serious injuries move to the liability limit.

Does paying MedPay admit fault?

No. MedPay is no-fault by design.

Related guides

Guest injury coverage
Read the full Velaris guide.
General liability for property managers
Read the full Velaris guide.

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