Mexican insurance,Mexican auto insurance,Mexico insurance

You’ve had an accident or collision in Mexico. Now what?

How to best handle a collision in Mexico and let your Mexico insurance policy help you.

Mexico insurance policyStory by Jim Foreman

“Everybody thinks they have great insurance until they file a claim.” –Anonymous

You are driving along in town on your way to the market. As you are stopped at a red light, a car slams into your rear bumper because the driver was texting instead of paying attention to the road.
What you do next will have a significant impact on how your day is going to go.

If your first reaction is to call 066 or 911 to summon the authorities, you are making a grave mistake. Your first call should be to your insurance company’s new claim phone number on your Mexico insurance policy to immediately send an adjuster to your location. Before you embark on your journey, you should add your Mexico insurance policy claim reporting phone number into your phone’s address book.  Also, cut out and keep the insurance ID card in your wallet.

Mexico has a different legal system than the USA or Canada. Unlike back home, the fault of an accident is assigned right then and there by a responding officer. Unless you have a video DVR that can be played back to the officer that shows up, you are likely going to be deemed at fault.

Fortunately, unless you bought your Mexico insurance policy through your home (US or Canadian) provider, all claim and incident details will remain in Mexico and will not result in a rate increase back home. If you did buy your Mexico Insurance Policy from your home auto insurance provider, you will likely see a rate increase, as it will be reported back to them.

Why will you be considered ‘At-Fault’? You ask. There are a couple of factors at play that you need to be aware of. The first is that, no matter what your financial situation, being a Gringo, you are automatically considered rich. Next, unless you or a passenger has a good command of Spanish, it may be the other person’s story of how you backed into her that is used to determine the fault.

Discover the 15 Biggest Rookie Mistakes Travelers Make in Mexico

Now, If you wisely called your insurance provider, an adjuster will arrive on site. About 95% of any hassle disappears immediately. They will listen to what you have to say and work with the authorities to get your side of the story, front and center. Additionally, they will confirm to the authorities that you have an active Mexico insurance policy and do not need to be placed in jail until you make full restitution.

THROWN IN JAIL??? WHAT? Yes, in Mexico if you are involved in a collision and deemed at fault, you will be forced to make immediate restitution based on an amount estimated by the authorities. If you do not have up to $300,000USD in cash with you, you will be jailed until you or your family pays the restitution to the assigned victim. Think of this when some idiot tries to say you don’t need a Mexico insurance policy.

If you disagree with the officer’s verdict, you will be placed in jail pending a hearing before a judge within about 24 hours. You will be able to plead your case and see if the verdict changes. Usually not.
With the adjuster on site, you will be given automatic bail to not have to go to jail, and you will have an advocate on your side trying to look out for your and ultimately the insurance company’s interests.

Starting The Right Way

 

First things first, you have to buy a quality policy that will actually cover you in the event of a collision or damage to your vehicle. Not all insurance providers are the same. If you are shopping for the cheapest policy, you will inevitably get exactly what you pay for. Coverage will be minimal if any at all, and you will be screwed six ways until Sunday.

When purchasing your Mexico insurance policy, a reputable broker will never offer or sell these near-worthless policies. Stick with a policy from Chubb, Mapfre, or HDI. Between them, it’s this writer’s opinion that Chubb is best and offers more useful benefits.

Buying a Mexico Insurance Policy

 

When entering the details for your quote and ultimately your policy, be entirely truthful. Indicate any lien holder, and make sure to accurately indicate if you have a full-coverage policy at home. Yes, it matters.

Surprisingly, people always ask if they should buy liability only or get full coverage. This is quickly answered by the policy one keeps at home. If your home policy is full coverage, then get full coverage in Mexico. This is especially true if you have a lien holder. If you have an older vehicle and are okay walking away from it if it’s totaled then purchase liability only.

Next, use KBB or NADA Guides to determine the value of your car, truck, RV, or motorcycle. Whatever the highest retail amount is listed, that’s what you should enter as the value for your vehicle. This is the same scale that the insurer will use to determine the value of your vehicle if it needs to be totaled.

Look carefully at all the policy offerings. Unless you are staying in Mexico for an extended period such as winter or have a second home there, you will probably want to repair your vehicle back in the United States. Compare the towing coverage, and most importantly, the labor rate limits. Each program is different.  This can mean a considerable difference in possible out of pocket expenses.

Once you’ve determined the level of coverage you are comfortable with, purchase the policy.
When you do, print out two copies and save the .pdf file on your phone (iBooks or Documents Folder). One hard copy should be kept in your glove compartment, the other should be held with you, probably folded in your luggage or with other important papers.

As mentioned earlier, enter the phone number to file a claim in your phone’s address book along with the policy number in the ‘notes’ section.

How to dial numbers in Mexico

 

Dialing a number is a little different in Mexico so make sure you are familiar with this process. Try to call the number to report a claim, when you are in Mexico. It’s best to know you have it correctly when your calm and relaxed rather than when you’re in the middle of a crash scene and nervous.

Few people think of these things until they are in the middle of a difficult situation. Hopefully, you will never need to use the insurance, but if you do, your use of it will be a huge factor in the ease or frustration in getting help.

After the Incident

 

After the insurance adjuster confirms to the authorities you have proper insurance and the scene is cleared, you have the option to take your vehicle to a nearby repair facility in Mexico, or to take your vehicle back to the United States. Your decision may be based on how far south you are into Mexico.

$1000 USD tow coverage will pay to have your vehicle towed to the border from as far south as Mexico City or Guadalajara. It won’t be immediate, but it will eventually get there. There are many highly reputable body shops in Mexico. If you are near a big or capital city, consider having your vehicle repaired there. If you are driving a unique vehicle, less common in Mexico, parts will take much longer to get. It may be best to transport it back to the states. This is something you can work out calmly with your insurance company.

If you elect to have the vehicle worked on in the USA, Chubb can handle the claim from Mexico, or you can opt for a Third Party Administrator (TPA) in the USA to finalize the claim and payouts. If you use Mapfre, your claim will be transitioned to the US-based office for handling. Be patient and work with them, much like you would when dealing with a US claim.

In most cases, the money for the repair will be quickly wired or sent out via check quite quickly. Usually, this happens within two to three weeks.

Additional Hints

 

If you have full coverage and have damage caused by vandalism or without another party such as sideswiping a wall or backing into a stationary pole, wait until you are in a bigger city to file a claim and have an adjuster come out.

For minor damage, it will go a lot faster and be much more pleasant if you call from a bigger city to have the adjuster come out, even if it’s a couple of days later.

In rural areas it may take 4-6 hours for the adjuster to show up for your claim as collisions with another party involved take priority.

When calling to file a claim, you may have to call a phone number with an automated menu in Spanish. Mapfre, in particular, does this. You may need to ask a native Spanish speaker for help or practice understanding which number to press to get to auto claims. If you understand the numbers 1-10 in Spanish, you should be mostly there. When someone does answer, kindly ask, “Habla usted Inglés?” Usually, they will have someone who can work with you and understand English. Spellings will be much more difficult, ask if you can email or use Whats App to send the names and spellings. Nearly all Mexicans use WhatsApp for communication as doing so doesn’t go against data usage with most Mexican mobile plans.

As mentioned earlier, the key to having a positive experience in a difficult situation is to have quality Mexico Insurance policy from a reputable source. All of the providers offered up by Mexican Insurance Store are top rated and high quality (A to A++ Rated).

To see your options and compare coverages, start by clicking the orange “Get A Quote” button on the upper right of this page.

About the Author

Jim Foreman has traveled well over 75,000 miles in Mexico. Often, Jim goes by motorcycle but also travels extensively on four wheels.
Jim also runs a motorcycle travel company taking riders to Mexico.

Jim has filed personal claims with both Chubb and Mapfre for minor damage to his vehicles. Both were handled quickly and professionally. In most cases, with far less hassle than when filing a US-based claim.

Filing A Mexico Insurance Policy Claim ©2018 Mexican Insurance Store.

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Mexican insurance,Mexican auto insurance,Mexico insurance

Estimating Travel Time in Mexico

Story by Jim Foreman

It happens nearly every day. A well-intentioned traveler making their first driving trip into Mexico will post up a question like this. “I’m in San Antonio, TX and plan to travel to San Miguel de Allende. I plan to leave early in the morning and make it in one day. Should I cross at Laredo or Mc Allen a little further south?” Google maps lists the distance as 706 Miles or 756 miles depending on which way you choose.

Estimating Travel Time in MexicoNow, 706 miles is a lot of distance to cover in one day in the USA. Factor about 12 hours with minimal stops for gas and restroom breaks.

Does anything strike you immediately about this scenario and question?

People in the USA and Canada have an excellent interstate highway system. One can usually travel along at 75-90 MPH on cruise control and reliably predict the travel time, and distance one can go, in a day.

The minute you cross over into Mexico and the rest of Latin America, those daily estimates go right out the window.

Despite that, most first-time travelers grossly overestimate the distance they can travel in one day in Mexico. There is also a curious compulsion to pre-plan every aspect of the trip, right down to the half-hour.  This leads to missed hotel reservations or high risk behavior such as driving at night.

For some reason, people who have not driven outside of the USA or Canada don’t believe traveling can be any different than what they’re used to, back at home. Furthermore, many Gringos, mistakenly believe that because doing something is fine at home, such as driving at night, that it’s okay in other countries.

For seasoned overland travelers, estimating travel time in Mexico will probably seem second nature. Still, one can glean some useful tips and techniques here.

Tip #1

Travel time estimates in Mexico should be multiplied by at least 1.5. This means if it ordinarily takes 2 hours to get somewhere in the USA, it’ll take 3 hours in Mexico.

We’ll simplify it, in a moment. First off, Mexico like nearly all of the rest of the world uses kilometers for distance. One kilometer is roughly .6 miles. For gross estimating, 3 Km is close to 2 miles. (1.8 is closer, but we’re keeping it simple.)

Curiously, There are 1.6 kilometers in 1 mile. Here’s where it is simple. For time estimates, merely treat the kilometers as miles, and you’ll be traveling smart and safe with a reasonable prediction of how long it takes to get somewhere.

Tip #2

Don’t be in such a rush. It may be Bingo Night in San Miguel de Allende, but consider breaking your trip up over two or three days. The worst thing you can do, when in Mexico, is to act like everything is a rush. It’s not! Slow down. Take it easy. Stay a night in Monterrey. Stay another night in Zacatecas or San Luis Potosi.

Traveling like a white-knuckled zombie on the toll roads, recreating a version of the ‘Cannonball Run’ is foolish on dozens of levels.

There are lovely destinations in Mexico that may not be precisely on the fastest route. Check them out.

There are also 111 Pueblos Magicos in Mexico that are well worth a visit.

Tip #3

Relax and enjoy the journey to your destination

 

Don’t make hotel reservations in advance unless you’re traveling during Christmas or Semana Santa. Reservations lock you into a destination and a schedule. Reservations also lead sensible people to do daft things, to not lose the reservation.

Embrace the Mexican culture and allow your mind and personage to be free. Set off without an exact schedule. Arrive when you arrive and enjoy this amazing country.

Estimating Travel Time in Mexico

Guanajuato is one of those places people need to slow down and enjoy life

 

The worst thing an American or Canadian can do, when traveling in Mexico, is to act like a frantic American or Canadian. Chill out. Relax and enjoy the life you claim to want. That means not making neurotic up-to-the-minute plans and letting yourself be embraced by Mexico and its amazing culture.

If you’re good traveling 300 miles a day back home, expect to travel 300 kilometers in Mexico. If you prefer 500 miles per day, expect no more than 500 kilometers a day.

All things considered, traveling overland in Mexico is easy and should be part of the fun.  Just make sure you have your passport, tourist visa, TVIP (if required for your route), high-quality Mexican Insurance, and a good attitude.

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Preparing Your Vehicle For a Mexico Road Trip

How to Enhance Your Mexico Visit with Mexican Insurance Store reviews and rate information

 

Story By Jim Foreman

Preparing your vehicle for a long road trip in Mexico is typically quite similar to preparing it for a trip within the USA or Canada.

Though there are many similarities, there are also some different realities in Mexico that require some particular attention.

For regular travelers to Mexico most of this information is well known, but for new travelers or those visiting overland for the first time, the information presented can mean the difference between a great trip and a miserable one.

 

General Preparation For Your Vehicle

1. Make sure your car, RV, or motorcycle is in excellent functioning order. On the road, potentially in the middle of nowhere isn’t a smart place to have a timing belt break. Unless you’re particularly mechanically inclined, it may be worth the visit to your dealership to have them run a full safety check and have a technician thoroughly look over your particular vehicle. A factory service tech is preferred as they are keenly familiar with typical problems on all models and can check those out. Taking it to a dealership will also check for any factory recalls, campaigns, and advisories free of charge to you.

2. Make sure your tires have lots of tread and not close to the wear bar. Roads in Mexico will grind down your tires much faster than typical US-based roads. If you are driving a vehicle more exotic to Mexico, it may take some time to get a replacement tire or set of tires.

3. Have a basic toolkit for your vehicle. Specifically include sockets, wrenches, Allen keys, and any other specialty tools your car may likely need, for a repair. No need to go overkill and tow a Snap-On tool chest. A simple, compact toolkit will work fine. Make sure it’s SAE or Metric based on the brand of your car.

4. If your battery is over two years old, get it load tested and possibly replaced. They don’t last forever and getting stuck with a dead one is entirely preventable.

5. If you are close to an oil change, get it. Also if you are close to the recommended time to replace brake pads, brake fluid, transmission fluid, or coolant, do it.

6. Get your shocks and suspension evaluated. This essential element is something few consider. Proper suspension can mean the difference between confidently traveling a narrow mountain road and white-knuckling the steering wheel the entire time. If your vehicle is over four years old or has over 70,000 miles, get your suspension checked by a reliable technician. It’s relatively inexpensive to replace or rebuild shocks. The difference can be night and day. The car, RV or motorcycle will feel like it was when brand new.

7. Carry a T-handle tire plug kit and a 12v air compressor. The Slime brand repair kit with the rope-like plugs work very well. Typically, avoid the canisters with the sealant. It makes replacing the tire a mess and will likely incur an additional charge and lots of scorn from the shop. If you’ve never used a tire plug kit, ask a tire shop or your dealership if you can try it on a worn tire mounted on a rim. Usually, a tech will be delighted to instruct you on how to do it.

The key is to make sure your car is in top shape and can handle the additional stresses of high heat, altitude, heavy load, and occasional rough roads. Additionally, if something small happens, it’s best to know how to do simple repairs like check oil levels, fill coolant reservoirs, check tire pressure, and change a tire. On some cars, checking oil, coolant levels, and tire pressure is as simple as doing a systems check on your dash.

 

Specifically For Cars

Most everything is covered for cars by the general checklist. The big thing to be mindful of is if you have exotic tires. This means anything for a luxury car or specialty rims. If you do, and your tires usually take a day or two to get in the USA, you may want to carry a spare, if you have the room. Tire punctures are somewhat common. If you drive a Honda, Nissan or Toyota, Ford or Chevy with standard tires, you’ll have no problems finding new tires in Mexico.

 

Specifically for RVs

RV’s can be a bit tricky. There are a lot of parts that work independently to provide a comfortable and enjoyable experience. If you transport potable water, make sure you top off in the US.

Give your RV an end to end shakedown to make sure all is functioning as it should. Not only does this re-familiarize you with all of the functions of the RV, but it also will help confirm everything is working correctly and within specifications.

If you have an iffy part, buy its replacement in the US and carry it. RV parts are typically hard to get in Mexico as Mexicans don’t usually own RVs.

 

Specifically for Motorcycles

Make sure your chain and sprockets, if your bike uses them, is not worn.

Since Motorcycle tires wear much faster than car and truck tires, make sure they are at 80% tread or better. Mexican roads eat up moto tires. Expect half they typical life you get out of them in the USA.

Big bikes are quite rare in Mexico, and if you are in need of a part along the way, it may be several weeks before you will get it.

If you’re going to need an oil change along your journey, to enhance your trip it’s probably best to buy a proper oil filter for your bike ahead of time. Good motorcycle oil is available in moto shops. Perhaps not your favorite brand, but it’s good, nonetheless.

Conclusion

Taking your own late model vehicle is not a problem in Mexico. Mexicans own new and very nice cars, trucks and motorcycles. Don’t choose a rickety or worn out vehicle with the false assumption it will make you less noticeable.

If you do have problems along the way, you’ll be glad you researched and chose Mexican Insurance Store. All of their policies include roadside assistance and will help you in your time of need.

Preparing Your Vehicle For a Mexico Road Trip. How to Improve Your Mexico Visit with Mexican Insurance Store Reviews and Rate Information.

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Querétaro – A City of History, Prosperity, and Wonder

Discover Mexico with Mexican Insurance Store

 

Story by Jim Foreman

Querétaro or officially Santiago de Queretaro is a city founded in 1531. While not as old as European cities, Querétaro has fared among the best in the new world or New Spain, as it was once known.

600+ page books detailing the history, significance, and vital role Querétaro played and plays today are available to enjoy. They are not boring.

Querétaro is one of those cities in Mexico that deserves to be a destination, all its own.

First things first. Most Norte Americanos mispronounce the name of the city. For the unfamiliar, most try to say it, Care-A-Tear-Oh. In Spanish always look for the accent mark to determine the pronunciation. It’s pronounced Que-RE-tah-row. It’s a fun word to say quickly, and a proper pronunciation will earn you heaps of respect by locals.

The city of Queretaro is located right in the middle of Mexico. From the Laredo, TX border, it’s about 920 Km (570 Miles) due south. It’s only 67Km southeast of San Miguel de Allende. At only 220 Km to the southeast is Mexico City. Guadalajara is only 350 Km due west.

Querétaro also serves as the gateway for the Sierra Gorda mountain range and the charming town of Xilitla which features the Jardin de Surrealist Edward James. Wineries, Mountains, and Mining all make up the surrounding region.

Mexican Insurance Store is the one-stop site to compare seven quality policies and choose the best one for you and your budget. Mexican Insurance Store is the #1 provider of Mexican Insurance in the 3rd most populous metropolitan area in California.

When arriving in Querétaro, a couple of things are immediately evident. It’s a very clean city. The next thing one usually notices is that there are lush green trees everywhere. Additionally, the city is very well laid out with different sections of town taking on a unique personality. There’s the historic centro, the older colorful housing, the high-tech section, the university area and the manufacturing district.

Splitting the town right down the middle is the ancient aqueduct.

Plaza de Independencia draws a wide group of people ©Jim Foreman
 

The attitude in Querétaro is vibrant and intelligent with a lot of people in their 20’s and 30’s. Families and seniors stroll in the large shaded park in the center during the day. It’s closed and gated shut at night.

Querétaro has the second highest median income in Mexico, right behind Monterrey. Many major corporations base their Latin American operations in Querétaro including Bombardier Aerospace, Kellogg’s, Samsung Electronics, Daewoo, Colgate-Palmolive, Harman International Industries, General Electric, Michelin, Siemens Mexico, Procter & Gamble, Nestlé, Scania, Hitachi, Dow Chemical, Bose, and ThyssenKrupp, among others.

Crime is also ranked the lowest in all of Mexico amongst cities this size.

Plaza de Independencia at night © Jim Foreman
 

Dining in Querétaro is a singularly wonderful experience. Head to the Plaza de Independencia in the centro to find the best restaurants. In addition to being a UNESCO World Heritage Site, it’s the heart of the culinary scene. Of course, with the high student population, there are also a large number of inexpensive cafés and restaurants to serve the budget conscious.

If museums are your passion, you’re in luck. The Museo de Arte is housed in a spectacular example of Baroque style. Once the former monastery of San Agustin, it contains one of the best collections of colonial art. The galleries are divided by painting style.

The Museo de la Ciudad highlights the city and region’s history dating long before the New Spain Colonial era to the modern day.

Driving in Querétaro is fairly easy, but not advisable for large vehicles. Parking is also a bit of a challenge throughout most of Querétaro. It’s best to leave your vehicle at the hotel or a carpark on the outskirts of town and use a cab or a Ridesharing app to get to places in town.

At 1,820 m (5,970 ft) elevation, Querétaro enjoys perfect mild temperatures year-round.  During the winter months, Querétaro will dip into below 20ºC (68ºF) but most of the time it’s around 25ºC (77ºF).

Whether it’s a day trip from one a nearby town, or a destination, Querétaro has something for everyone.

Querétaro represents the best of Mexico.

Traveling overland in Mexico is fun and easy. All one needs is their passport, visa, TVIP and Mexican Insurance. Savvy buyers choose Mexican Insurance Store for the best options, value, and service.

Discover Mexico with Mexican Insurance Store Information and Travel Guides. Review 7 Best Mexican Insurance Store Quotes To Save Time, Frustration, And Money.

 

Driving along side the aqueduct. ©Jim Foreman   A couple at the Plaza de Independencia ©Jim Foreman Sunset in Queretaro ©Jim Foreman

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Ensenada Mexico – Carnaval Celebration and Beer Fest

Mexican Insurance Store Travel News and Information

Written by Jim Foreman

When most Americans and Canadians think about traveling to Mexico, destinations such as San Miguel de Allende, Cancun, Puerto Vallarta, Cabo San Lucas, and other popular places come to mind.

These are all great locations and worthy of a visit.

For people living in Southern California, a weekend visit to Ensenada is closer and much more accessible than a visit to nearby Las Vegas.  For most visitors, it’s also a lot more fun.

Ensenada is a seaside port city about 70 miles south of San Diego, CA. The city is surrounded by mountain ranges and features year-round perfect weather 350 days a year.

Ensenada is also the gateway to the world famous Baja California Wine Region which has been gaining renown in world wine markets. The Ruta del Vino begins minutes north of Ensenada.

Though Ensenada features a commercial airport offering flights several times a week, the most common method for travelers to visit Ensenada is by Cruise ship, twice a week and by driving their car.

Mexican Insurance Store is one of the largest and most reputable providers of quality Mexico Insurance policies in California. Located North Of San Diego, they write Mexico insurance policies nationwide including Canada.

 

Several major events are happening in February and March in Ensenada that will bring a significant number of people to the city from all over Mexico and the world.

2017’s Queen of the Carnaval Yazmín Adriana Figueroa

 

Carnaval

 

The first event is the celebration of Carnaval. Carnaval, often called Mardi Gras, in the US, is the weeklong celebration of all things before the Catholic period of Lent.

For non-Catholics, Lent marks a period of 40 days where one gives up something they enjoy in a show of faith and repentance.

Carnaval in Ensenada is celebrated with parades, fireworks, concerts, meals, parties, and a festive atmosphere throughout the week with the crescendo happening on Friday through Tuesday. On Tuesday at 11:59 pm everything comes to an abrupt end.

Carnival is also celebrated throughout Mexico with sizable celebrations in Mazatlán, Cozumel, and Veracruz.

If you plan on going to Ensenada for Carnaval, this year, please book your hotel early as the entire city gets booked up quickly.

Ensenada Beerr Fest

Ensenada Beer Fest

 

The second major event in Ensenada is the Ensenada Beer Fest. Coinciding with St. Patrick’s Day Weekend, the city hosts one of the premier beer-related events in all of Mexico.

Over 100 cervezarias (breweries) from all over Mexico come to the beautiful museum grounds of the Teatro Cultural Riviera De Ensenada to celebrate the golden elixir.

The event takes place on Friday and Saturday with conferences held Wednesday and Thursday to discuss making beer.

This event draws a classy crowd of mid 20’s to late 40’s Mexicans with no ego or pretentious attitudes found in similar festivals in the US.

Again, Hotels book up pretty quickly so make your travel arrangements rapidly.

Events in Mexico rarely have a strong internet presence.  The best you’ll often do is get a Facebook event page.  Don’t be discouraged.  The events are going to be awesome and worth the trip.

Scenic Highway Mex 1 leading down to Ensenada

 

Getting to Ensenada is super easy by car. Simple cross the border at Tijuana or Tecate. From Tijuana, the Scenic Mex 1 is a spectacular seaside drive that matches some of the best parts of CA-1 at Big Sur in Central California.

Just remember to bring your passport and your Mexico Insurance policies with you on your trip.

Mexican Insurance Store Travel News and Information

 

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Health Insurance for Travelers in Mexico

Important Information from Mexican Insurance Store

Mexican Insurance Store

Story by Jim Foreman

Health coverage and health insurance are complicated enough in the United States. Recent federal legislation has only made the waters ever muddier.

Health insurance coverage, while traveling or living abroad, is one of those topics we get asked about quite often.

There are three different categories of travelers or visitors to Mexico, and as such there are typically three different approaches to health coverage.

Vacation Traveler

 

Vacation travelers are often summed up by those who fly or take a cruise ship into Mexico. Typically the duration of the visit is between one and two weeks.   The general need is in the event one gets hurt, sick, or has some catastrophe befall the trip.

Typically, a vacation traveler takes only one of these trips a year.

For annual vacation travelers, typical travel insurance is a great idea. It covers lost luggage, delays, missed flights, medical emergencies, and in many cases repatriation. Most experienced travelers would use a brokerage like InsureMyTrip.com to select the right amount of coverage and duration to match the trip.

InsureMyTrip.com is a reputable source representing several dozen companies and offerings. It’s fast, easy, and reliable.

Climbing Cerro Tetakawi in San Carlos, Sonora

Overland Traveler

 

The overland traveler is someone who travels into Mexico overland either by car, RV, or motorcycle. Visits to Mexico are typically more than a week or two and return visits to Mexico or away from home happen fairly often.

For regular travelers, several companies stand out as best bets for coverage. The first is WorldNomads.com. Second is AIG Travelguard, and finally, Allianz makes up the trifecta of high quality underwriters.

World Nomads is a top pick for those who are doing more adventure-oriented activities during their travels. There are two grades of coverage. The Standard plan covers most common activities. For those who like a bit more extreme in their choices, the Explorer plan includes coverage for most of them including cave diving, free-diving, parachuting, SCUBA, and white-water rafting. World Nomads makes it very easy to choose the right plan for your choice of activities.

AIG Travel Guard is a top rated product that covers a broad range of plans covering a multitude of activities, with relatively few exclusions.

Allianz equally has a broader selection of travel insurance plans and has earned an excellent reputation.

It’s wise to compare and contrast health insurance coverage, duration, and cost. Some plans are better priced at six months while others offer more value at one year.

All of them will cover you for medical issues that arise during the trip. None of them will cover ongoing medical treatment or pre-existing conditions. For example, if you break your leg while hiking, you’re covered. If you have diabetes and require insulin or require normal heart medication, you are going to need to provide that yourself.

Temporary or Permanent Residents

 

Long-term temporary or permanent residents have several choices for International Health Insurance. Much like a stateside HMO, your health is covered outside of the US. This is an excellent option for people working abroad on contracts or deciding to retire.

The best options for worldwide health insurance coverage come from AXA PPP International and Allianz Care.

Both offerings are quite comprehensive, but since personal health insurance requirements are individual, it’s important to read carefully all the details.

Shop both to see which one suits you and your needs best.

Other Options

 

Medical expenses in Mexico are surprisingly inexpensive for top quality care. Many Mexican doctors are trained in the USA and offer modern and quality healthcare. This fact is not lost on most people who elect to participate in medical tourism.

Whether it’s cosmetic surgery, dental work or other elective procedures, many travelers have been coming to Mexico to get excellent treatment at a fraction of the cost in the USA.

It’s best not to rely on traditional Mexican remedies, exclusively

 

As such, many people elect to simply keep a credit card with $1000 USD on standby to cover even the most severe hospitalizations. For most illnesses, it’s easiest to pay cash and solve it quickly and without hassle.

Exotic options also exist such as MedJet Assist.  MedJet Assist promises, if you become hospitalized internationally or domestically, 150 miles or more from home, Medjet will arrange medical transportation to a home-country hospital of your choice for inpatient care.

A final option is the Mexico Social Security health scheme.  For those on limited fixed incomes and have permanent residency, they are eligible to participate in Mexico’s State-sponsored health insurance called Seguro Popular. The quality of care is very spotty, at best with most citing substandard results. Locations and doctors are limited and services are sometimes rationed.

Information from Mexican Insurance Store

Mexican Insurance Store .com offers quality car, RV, and motorcycle insurance. We’re not affiliated with any of the above-recommended companies. These companies, in turn, don’t offer car insurance.

 

 

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Off-Road Traveling in Mexico

8 Important Tips For Fun and Great Times In The Dirt with Mexico Insurance

Mexican Insurance Store Off-Pavement in Chihuahua

 

Story and Photos by Jim Foreman

More and more areas in the United States are being cut-off from off-highway use by misguided politicians and an increasingly ignorant electorate. Because of that, more Americans are discovering or rediscovering Mexico as an exciting and wonderful place to get some dirt or sand under your wheels.

It makes no difference what style of adventure suits you. You may be into Jeep trails, taking out quads and dirtbikes, or bringing the fancy ATV like the popular Razor. You may just want to take your 4×4 pickup. There’s something for everyone in Mexico.

Mexican Insurance Store has a great Mexico insurance policy available for just about anyone traveling in Mexico.

 

Regions such as Baja California and Sonora including the north area surrounding Rocky Point are excellent places to head off-pavement.

Off-Pavement and Off-Road traveling is very alive and well in many parts of Mexico. It doesn’t matter if world-televised events like the Baja 1000 inspired you or it’s only a fun weekend with friends. It’s essential that one doesn’t let the spirit of fun and thrills get in front of common sense and respect for nature and others.

Follow these 8 important tips for off-road traveling and you are all but guaranteed a great time in Mexico.

 

1. When crossing the border, make sure the vehicles are titled or registered in someone’s name that is also along for the trip. Back in the 1980’s many vehicle thefts were headed straight for Mexico without hindrance. The US and Mexican Governments agreed to have random vehicles stopped when crossing south to verify the registration or title. A color photocopy or printout of the registration or title is almost always fine.

2. Know that outside of the populated areas of Mexico, you’ll probably have no mobile phone service. If using GPS, make sure everyone has the coordinates for the basecamp or hotel. Someone in the group needs to act as leader and know where to find the nearest medical facilities.

Mexico insurance A spectacular unique view of Copper Canyon

 

3. Before you begin riding, make sure you stock up on water and have a general idea of the terrain. The most prominent medical issue for off-roaders is dehydration. Once a rider or driver is dehydrated, something much worse is imminent. If you begin to feel it, it’s too late. Drink water or Electrolit and relax for a while, in the shade.

4. Only travel during daylight hours. It doesn’t matter how many lumens your lightbar puts out. Have a plan to end the riding long before sunset so you can transition to great food, drinks, stories, and friendship. Animals, as well as illicit activity, are much more active at night.

5. If you’re unfamiliar with the area you plan to travel or explore, ask others who have been there recently. This may seem obvious, but a lot of people end up in an uncomfortable situation because they don’t heed this simple advice.

Baja California Off-Roading The infamous Coco’s Corner in Baja California

 

6. Be careful that you are not invading someone’s private property without permission. Again, this should be obvious, but moreso on the mainland, there are a lot of extensive ranches that are private property. Landowners don’t know who you are and what your intentions are. Find out and ask permission, if necessary, before trouble finds you.

7. If you come across a situation that doesn’t seem right, turn around quickly and get out of there. There remains illicit activity in many parts of seemingly free space, in Mexico. Don’t be too curious and know when to get away from a potential negative situation.

Tom enjoying the sea around Mulegé

 

8. Travel with some beer and water on ice. Don’t drink until you are done riding for the day. Instead, keep it, along with water, for when you get stuck somewhere or need help. Few things will make someone happier to help you than an ice-cold beer in their hand.

Additional Advice

Beyond these tips is a necessary understanding. If someone gets seriously injured, it’s really up to you to get that person to medical facilities. No helicopter will be hovering overhead in 30 minutes, or ever. Having someone along with some basic first aid or Wilderness EMT training is very wise.

As far as Mexico insurance goes, If you’re insuring a truck, jeep, street-legal motorcycle, understand what’s covered and what’s not. For example, if you’re off in the dunes and end up damaging your vehicle or someone else’s, you’re not covered. Few, if any insurers will underwrite a policy covering off-road activities.

Now, Off-Road and Off-Pavement are two different things. There are many roads and even some federal highways that have a portion that is unpaved. If it’s a road one can find on a map, you are covered, if you have full-coverage. If your vehicle becomes disabled in a remote area or primitive road, you’ll need to find someone with a truck to help you get it into a town so your tow service included with your insurance can help you. Use the AAA standard logic. If you’re a member of AAA ask yourself, would they come here to retrieve my disabled vehicle if this were in the US? If not, you are responsible for getting it to a place they will be able to load it up and transport it.

Off-pavement and off-road traveling in Mexico is fun and can be very rewarding. Do it safely and with a hefty dose of good sense.

Remember, if your vehicle is traveling on the Mexican streets, you must have proper Mexico insurance coverage. Mexican Insurance Store has the best Mexico insurance to protect you and your vehicle in Mexico.

Off-Road Traveling in Mexico: 8 Important Tips For Fun and Great Times In The Dirt from Mexico Insurance Store

Great Times In The Dirt Sometimes Pavement isn’t so bad

 

Off-Road Traveling in Mexico A more difficult road leading into Batopilas, Chih

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Best Mexican Insurance Store News,Tips, and Answers About Traveling In Mexico

Deciding Which Mobile Phone Service Is Best In Mexico

Best Mexican insurance

 

Writeup by Jim Foreman

Typically we’re asked 10-15 times a week about mobile phone service when traveling in Mexico.

We know it’s an important topic and one with answers that have changed, sometimes drastically, in the past few years.

Today, there are several answers, largely based on how long or how often you plan to be in Mexico.

Please follow this link to discover the secrets about mobile phone service in Mexico. This article is quite BIG and important so we posted it on our Blogspot Site.

Always remember to have the best Mexican Insurance Store protection when driving in Mexico.  Make sure it’s the best Mexican Insurance Store policy that suites your needs..

Deciding Which Mobile Phone Service Is Best In Mexico

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Mexican Insurance Store Holiday Guide and Information

New Year Celebrations Mexico Style

Mexican insurance Nochevieja or Año Nuevo in CDMX

Story by Jim Foreman

Mexico is rich with holidays, traditions, and celebrations throughout the year. While some are similar or parallel holidays celebrated in the US and Canada, many others take on a life uniquely their own in Mexico.

One thing any traveler to Mexico will realize quite quickly is that Mexicans don’t really need much of an excuse to throw a party. When there is a reason, though, Mexico is the place to celebrate, in earnest.

Last week, Mexican Insurance Store published a story detailing how Christmas is Celebrated in Mexico. Naturally, the follow-up is how the New Year Celebrations happen Mexico Style.

Like it’s North American neighbors, December 31st is a huge party in Mexico. Americans have their grandest celebration in New York City, Mexico’s biggest party happens at the Zocalo in CDMX (Mexico City).

Throughout Mexico, smaller celebrations and traditions unfold at the turning of the calendar year.

This year, consider adopting some of these warm and rich traditions.

Undergarments

This one is a fun one. Tradition dictates that you can determine the nature of your good fortune, for the coming year, based on what color underwear (calzoncillos) or panties (calzones or bragas) you choose.

One doesn’t have to be a model or young to enjoy this one.  Men and women of all ages, shapes, and sizes participate.

If you choose to wear red, you will be blessed with love in the new year. If money and happiness are more of your desire, be sure to wear yellow. Notice that it’s either love –or- money and happiness. Mexicans have a rich sense of humor and fatalism. Red and Yellow are the two dominant colors worn during New Year Celebrations.

If you’re wealthy and have found true love (yeah right…), then white chones (panties) are for you. White signifies peace and tranquility (paz y tranquilidad). Wear blue for health in the coming year.

This tradition is also widely celebrated in China and throughout the world. If only the USA and Canada would catch on to this, too.

Choose wisely

Mexican Insurance Store has the best Mexican insurance policy for driving in Mexico.

Lentil Beans

Lentil beans are flat like coins

 

A huge tradition that comes over from Europe and is widely practiced in Mexico is leaving lentil beans at your doorstep just before midnight on December 31st. This dates back to ancient Rome as the flat lentils resembled Roman coins.

Doing so will all but guarantee good luck and prosperity in the upcoming year. Alternatively or additionally, enjoy a traditional Lentil soup with chorizo. If going out, make sure to place some lentils in your pockets, bag, or purse to wield good favor all year.

Twelve Grapes in 60 Seconds

Another tradition comes across to Mexico from the Catalan region of Spain.   One must eat twelve grapes and make twelve wishes during the last 60 seconds of the exiting year.

It’s a little harder than it sounds, but successfully doing so will reward you with your wishes granted and another wonderful dose of prosperity.

Burning the Bad

Just as most people around the world make New Year resolutions or propósitos, many Mexicans are also happy to have the opportunity to rid themselves of negativity.

To do this, simply write down all the negative stuff in your life on paper. Don’t hold back. This isn’t a confessional. Just before the new year begins, light the list on fire until it is nothing but smoke and ash.

Just like that, you’re cleansed and absolved from all the rubbish in your life and are starting with a clean slate.

Given the amount of bad energy and negativity some people are capable of, make sure you’re away from any flammable structures or materials and maybe have a fire extinguisher or bucket of water on hand before you light your list up. If the bonfire gets out of control, you’ll have means to make sure the new year doesn’t start off equally bad.

Put Money In Your Shoes

Yup, just like it sounds, make sure you have some currency tucked in your shoes as you celebrate the New Year. The larger the amount of the bill(s), the better. If you’re wearing heels or open shoes, it’s OK to hold the money in your hand.

Like the result of many of the other traditions, prosperity will follow those who carry out this ritual.

Sweeping the House

Sweeping the house in the day leading up to the New Year is another common tradition. It doesn’t have to happen at midnight, but can be done anytime on December 31st.

Naturally, this symbolizes sweeping away the previous year’s dust, dirt, and yuck. Sprinkle a little bit more prosperity for good measure.

Celebrating with Friends

Certainly, go and celebrate the new year with good friends, family, or both, if they all get along.   This is entirely up to you. Many people will go to their favorite bar or to the centro to ring in the New Year and enjoy the festive spirit. Count on fireworks, bells, music, and other less sensible ways of making noise and celebrating together.

Naturally, Mexico is a huge and diverse country.  There are regional traditions and variations of these acts of ushering in the new year.

You don’t have to travel to enjoy these great traditions and ways of celebrating New Year’s Day, but it sure is more fun. Consider heading south for the holidays and making this year memorable and inspiring.   Simply grab your passports, get your Mexican Insurance Store policy and head on down.

Mexican Insurance Store Holiday Guide and Information

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Celebrating Christmas in Mexico by Mexican Insurance Store

Mexican insurance policy Christmas Celebrations at the Zocalo in Mexico City

 

Story by Jim Foreman

Growing up in the USA, it was common to hear Jose Feliciano’ Christmas hit, ‘Feliz Navidad’ as part of the usual lineup of Christmas music played during the holidays.

Right now, you’re probably hearing that song’s melody in your head.

Beyond that, few Americans and Canadians truly understand the Christmas traditions in Mexico and how they are quite different from celebrations back home.

Of course, with an ever-increasing ex-pat population in certain regions, and the globalization of holidays, many Mexicans are melding and celebrating Christmas with a ‘Gringo’ edge. That’s OK. American’s have also adopted several Mexican traditions including the Spanish greeting and the Poinsettia plant as a symbol of the festive season.

Mexican Insurance Store

Being in Mexico during the Christmas season is magical.

Largely gone is the over-commercialization of the season. Instead, visitors will see a celebration more rooted in tradition.

Mexico’s Christmas or Navidad celebrations largely originated in Spain. Given Mexico’s diverse culture and pre-Hispanic cultures, many of those traditions have morphed or evolved in a uniquely Mexican way.

Of course, as the many regions of Mexico are unique, so are the flavors of those celebrations.

Christmas is celebrated in Mexico from December 12th to January 6th. There is a crescendo of the celebrations on Christmas Eve, December 24th. This dates back to Europe, long before Christmas was ever introduced to the ‘new world.’

Now, you math wizards are probably just now figuring out where the ’12 Days of Christmas’ originates.

Mexican Insurance Store has the best Mexican insurance policy available for driving in Mexico.

In Mexico, the Christmas season starts with nativity scenes placed in public and private displays. It’s nearly impossible to find a home without one in place. Nativity displays can be simple or elaborate.  Some are small, sitting on a shelf or table, while others are life sized, occupying a whole room or display outdoors.

Also beginning December 12th, children gather each night to do the Posada Procession (Posada means Inn or Hotel in Spanish). They carry a candle and clay figurines of Mary and Joseph from home to home, singing songs. The songs are mostly relating to Mary and Joseph seeking a place to stay.

The children are told, ‘there is no room,’ at each place, until the last one, where they are invited to stay.

That home is host to food, games, and often fireworks. Piñatas are one of the most common games played.

This goes on, each night until Christmas Eve (Noche Buena). The final Posada welcomes the people in, and the party begins in earnest. A figure of the new baby Jesus is placed in a manger. A feast soon ensues.

Afterwards, people go to a midnight mass and usually celebrate with more fireworks.

As a visitor, you can watch and enjoy the celebrations from any town centro as that will be where the focus of the holidays are typically happening.

Nacimiento or a Nativity scene is the dominant decoration in celebrating Christmas. Of course, Christmas Trees are becoming more and more popular throughout Mexico.

In some northern Mexican states, children are taught the tradition of Santa Claus. While this phenomenon is slowly growing in Mexico, it’s still not the dominant celebration of Christmas.

December 28th, marks “Los Santos Inocentes” (Day of the Innocent Saints). Originating in Spain and Portugal, it’s celebrated much like Americans celebrate April Fool’s Day.   Despite the playful nature, it has a very grim undertone. This is regarded as the day King Herrod had all Male babies under a year old killed in the desire to keep his reign from what was prophesied to him about a new ‘King’ being born.

For much of Mexico, January 6th (the Epiphany) is when children receive gifts. This is a representation of when the three Wise Men arrived, bearing gifts. If there was a Gringo style ‘Santa Claus” celebration with gift-giving on Christmas Day, candies and small treats are given to the kids. Otherwise, this is the day when all of their good deeds for the year earn them their gifts.  In Mexico, Children are told that the gifts the receive came from either Santo Clós or El Niñito Dios (Baby Jesus).

Rosca de Reyes with the figure of Baby Jesus

It’s also a common tradition to eat Rosca de Reyes (Three Kings Cake) on January 6th. A small figure of baby Jesus gets baked into the cake.

Whoever gets the figure in their piece of cake becomes the honorary godparent of Jesus that year.

Fiesta de la Virgen de la Candelaria in Veracruz

February 2nd wraps up a final Christmas celebration. It’s the Virgen de la Candelaria (Virgin of the candles). Other countries call it the ‘Candlemass.’

Whether or not you celebrate Christmas or consider yourself faithful, it’s a season of good cheer, wonderful traditions, and celebrations. Join in and be a part of the Mexican culture.

Many Americans and Canadians are drawn to Mexico’s warmth during the Christmas season. Getting to Mexico in your car is very easy. If it’s your first time, you can find out the details of what you need to bring and what to expect. Make sure to check Mexican insurance policy rates before leaving. It’s easy to quote, buy, and print quality coverage at Mexican Insurance Store.

Mexican Insurance Store has the best Mexican insurance policy available for driving in Mexico. Celebrating Christmas in Mexico by Mexican Insurance Store

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Zacatecas – Where Culture and History Intersect with Beauty and Excitement

December 6, 2017

Important News and Information – Mexican Insurance Review Zacatecas – Where Culture and History intersect with Beauty and Excitement Story and Photos by Jim Foreman When people think of Mexican culture and history, most people will think of the Guadalajara Centro or the pyramids of Teotihuacan just north of Mexico City. These places are lovely […]

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What Documents Are Necessary To Travel In Mexico?

November 24, 2017

Your source for the Best Mexican Insurance Articles   Story by Jim Foreman One of the most common questions people ask about traveling in their personal vehicle in Mexico is, “What Documents Do I Need To Get To Travel In Mexico?” This question doesn’t have one answer but rather a set of answers that is […]

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6 Reasons to Make Your Next Mexico Vacation a Road Trip

November 17, 2017

Important News and Information by Mexican Insurance Store Story by Jim Foreman Each year over thirty-five million people visit Mexico. It’s not difficult to understand why. The beaches are some of the best in the world accompanied by spectacular warm weather during the traditional months. A vast majority of visitors choose to either fly or […]

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Military Checkpoints In Mexico

November 1, 2017

News and information from Mexican Insurance Store     Story and Photos by Jim Foreman Among the most prominent differences between traveling in Mexico and the USA and Canada are the military checkpoints set up throughout the country. For a first time traveler, the sight of freshly graduated soldiers with military rifles can be quite […]

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San Felipe, BC – Mexico’s Other Weekend Destination

October 24, 2017

Mexico News and Information From Mexican Insurance Store.com Story and photos by Jim Foreman When you say, “Weekend in Mexico” you’ll likely hear, ‘Ensenada,’ ‘Rocky Point,’ or ‘Rosarito.’ Occasionally, someone smart will say ‘San Felipe.’ Not to say the other destinations are not awesome, they are. San Felipe though stands on its own because it […]

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