Mine does, but it's very limited, with a $5k maximum. From page 2 of the "declarations", which precede the policy: MEDICAL EXPENSE: Including Crew, Limited to $5,000 Each Person Each Occurrence. Details from Page 1 of my policy: II. MEDICAL EXPENSES A. Subject to the limits shown on the declarations page, or in any endorsement to this policy, to pay all reasonable expenses incurred within one year from the date of occurrence for necessary medical, surgical, dental, ambulance, hospital, professional nursing services and funeral services to or for each person, and each member of the crew (if “Included” in the Policy), who sustains bodily injury or disease, caused by an occurrence, while in or upon, entering or alighting from the aircraft, if the aircraft is being used by the Insured or with his permission. And "Crew" is defined on page 4 as including the PIC, flight instructor, safety pilot, etc.