Vision insurance and medical insurance gets confusing. Both deal with the eyes. If you have a medical eye disease, you probably need a thorough dilated eye exam. This should be covered by your "health" insurance.
Vision requirements in most states require good vision in only one eye! Patients with diabetic retinopathy and macular degeneration usually do not lose their driver's license due to vision requirements.
Retinal surgeons treat lots of trauma. Eye trauma can happen with even the simplest of toys. Even "safe" toys can be potentially blinding. These are a few of my patients who have been blinded by "toys."