Travel insurance in Mexico is a common topic in online discussion groups. It’s no wonder why people ask us about health coverage quite often.
There are three different categories of travelers to Mexico. That means there are typically three different approaches to health coverage.
Vacation travelers are those who usually fly or take a cruise ship to Mexico. Trips last one to two-weeks long. They may happen once or twice a year.
For most vacation travelers, travel insurance for Mexico is the way to go. Because it’s travel insurance, it covers a wide range of mishaps. Lost luggage, delays, missed flights, and medical emergencies, are all covered.
Many seasoned travelers choose InsureMyTrip.com to select the right amount of coverage. InsureMyTrip.com is an easy source for coverage. Several dozen companies and offerings are available there. It’s fast, easy, and reliable.
The overland traveler is someone who travels into Mexico by car, RV, or motorcycle. Visits to Mexico are typically more than a week or two. Return visits also happen fairly often.
For overlanders, several companies stand out as best bets for coverage. First on the list is WorldNomads.com. AIG Travelguard and Allianz are also top-tier options.
World Nomads is for more adventure-oriented traveling. Two grades of coverage are offered by World Nomads. The Standard plan covers common outdoor activities. For those a bit more extreme in their pursuits, there’s the Explorer plan. The Explorer plan covers most activities including cave diving, free diving, parachuting, SCUBA, and white-water rafting. World Nomads makes it very easy to choose the right plan for your itinerary.
AIG Travel Guard is also a top-rated product. Travel Guard also covers a broad range of plans covering a multitude of activities. There are relatively few exclusions.
Allianz features a broad selection of travel insurance plans and deserves its excellent reputation.
It’s wise to compare and contrast health insurance coverage, duration, and cost. Some plans are a better value at six months.
All of these plans cover medical issues that arise during the trip. None of them will cover ongoing medical treatment or pre-existing conditions. For example, coverage includes a broken leg while hiking. If you have diabetes and require insulin, you’re on your own.
Temporary or Permanent Residents
Long-term visitors and permanent residents have several choices for health coverage. For most people, international health insurance is the way to go. It’s an excellent option for people working abroad or that travel a lot.
There are many options for worldwide health insurance. The best seem to come from AXA PPP International and Allianz Care.
Both offerings are quite comprehensive. Since personal health insurance requirements are unique, it’s important to carefully read the details. Shop both to see which one suits you and your situation best.
Medical expenses in Mexico are surprisingly low for top-quality care. Many Mexican doctors receive training in the USA. They offer modern and high-quality healthcare. Because of this, many visitors embrace medical tourism. This includes cosmetic surgery, dental work, or other elective procedures. People come to Mexico for excellent treatment at a fraction of the cost back home.
Because of the low cost, many people simply elect to keep a credit card with $1000 USD on standby for coverage. For most illnesses or issues, it’s easiest to pay cash and solve it quickly and without hassle.
Exotic options also exist such as MedJet Assist. MedJet Assist covers repatriation if you become injured or hospitalized internationally. Coverage actually begins 150 miles or more from home. They earned an excellent reputation over their many years of operation.
A final option for those with citizenship or permanent residency is Seguro Popular. Seguro Popular is Mexico’s state-sponsored healthcare system. The quality of care varies across the country. Clinics in bigger or capital cities are usually acceptable. Rural clinics or typically quite spotty. This is because of limited locations and doctors. Another reality is that rationing occurs, especially during a health crisis or emergency.
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.