Actually, different people has different opinions. As most people will have eye problem or need to do eye surgery, so personally I think vision insurance is worthy of your investment. Vision insurance does not cover everything related to your eye. Your medical insurance covers accidents, surgery, and eye disease. Therefore, if you opt out of vision insurance and happen get battery acid in your eye your bills will still be covered assuming you have medical insurance.Vision insurance covers eye exams, glasses, and contacts-ust the basics of vision. Typically, you only need one eye exam per year and there's a $10 or $15 copay. Most vision plans will have an allowance for glasses and contacts that will be sufficient as long as you don't get too fancy with designer lenses.