COVID19 has taken the world by storm – disrupting our normal lives, economy, and whatnot. If you have travel plans anytime soon, here is what you need to know.
Will I Be Covered By Mexican Travel Insurance?
Although traveling during this coronavirus is not recommended, if you still need to travel and want to be covered by your insurance, you must:
- Not have booked your travel insurance policy after March 27, 2020, after the CDC issued a travel warning
- Have booked an insurance policy that covers pandemics, infectious diseases, and epidemics.
Likely, your travel insurance policy doesn’t cover coronavirus. Why is it so? This is particularly because the basic purpose of insurance is to cover future unknown issues. Once an issue becomes well-known, insurers often tend to get rid of it.
The bottom line here is that you are covered against coronavirus only if you brought a policy at the time when they covered pandemic or epidemic.
I Don’t Have Travel Insurance, and I Want To Visit Mexico. What Should I Do?
We will like to put things as clearly as possible: you are not mandatorily required to have insurance while traveling. Your insurance papers won’t be checked when you cross the border. As a matter of fact, many travelers come to Mexico without any insurance coverage, however, if any emergency does arise, they pay for the medical expenses from their own pocket.
Okay, So If I Get A Travel Insurance Policy, What Medical Coverage Will Be Provided If I Contract COVID-19 While Traveling?
The coverage for COVID-19 will depend on your travel insurance policy. While many insurance providers are still providing coverage for coronavirus, it is recommended to check with your insurer as to what is covered and what is not.
Okay, How Does Travel Medical Insurance Work?
It works pretty straightforwardly. You plan your trip to Mexico. Next, purchase a travel medical plan corresponding to the dates of your travel. That’s all it takes.
When you are out in the market looking for the best travel insurance policies, you will find that there are two kinds of policies – standalone, and comprehensive. While standalone policies only cover a medical emergency and assistance services; comprehensive policies also cover interruptions, canceled trips, baggage, and the like, in addition to medical emergencies.
How Much Does Travel Medical Insurance Cost?
The best part of travel insurance is that it is pretty economical, especially when you choose to go with a single trip medical plan. You can ask your insurer about the exact quote, but more often than not, it will lie in the range of $50 to $100 based on your age, length of your trip, and the add-ons you choose to go with.
During these tough times, we will highly recommend you stay at home, but if you need to travel at all, we will recommend you opt for a policy that provides coverage against COVID-19.