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WebDec 1, 2024 · Personal Accident Insurance (PAI) covers accidental death and emergency medical expense benefits to the renter and all passengers in the rental car. PAI is typically lumped together with another product called Personal Effects Coverage (PEC), which can bring the total additional cost to $5-11 per day, depending on where you are renting, plus ... WebOct 22, 2024 · The good news about this card is that it doesn’t come with an age limit like other HMO policies. 2. Maxicare EReady. From the name itself, it’s a prepaid card catered to provide coverage during medical emergencies. This prepaid HMO is from Maxicare, another prominent HMO provider in the country. fletcher irish pub ormond beach fl