A very common question that comes up when planning a trip to Mexico is whether you really need medical insurance to travel to Mexico. Well, the answer depends on various factors. But as a best practice, travel experts recommend getting proper medical insurance on top of your travel insurance to Mexico as an additional safety precaution. Nobody wants to be stranded in a foreign country with little money to cover medical emergencies, especially during vulnerable situations like the ongoing global pandemic.
While you can remain all too cautious throughout your trip by taking necessary food and drink safety measures, it is still possible that you could catch a contagion. Medical emergencies can happen unexpectedly, and having good medical insurance coverage can be a great help in those times. But the real answer to your question as to whether you need medical insurance to travel to Mexico depends on the nature of your trip as well as your own specific needs and health conditions.
Factors to Consider While Getting Medical Insurance To Travel To Mexico
Destination
For starters, you have to consider your travel destination. If your destination is Puerto Vallarta or Riviera Nayarit, you must take travel insurance with medical coverage. The Mexican government has mandated that all travelers to these two cities must carry the proper insurance.
So if your trip includes traveling to any of these two places, you will need medical insurance to gain entry permits.
Duration Of Your Stay
If your stay lasts longer than a couple of days, it is wiser to get medical insurance for the exact duration of your stay. Based on the duration, the insurance premium costs could vary.
Existing Medical Conditions
If you have any existing medical conditions like allergic reactions, you can consider taking medical insurance as a precaution to help you in case of unexpected medical emergencies.
Now, if you do decide to get medical insurance for your trip to Mexico, here are some factors to consider when choosing your insurance policy
Things To Consider While Choosing Medical Insurance
Insurance Provider Trust Score
Buy insurance from government authorized insurance providers with a good level of trust score and credibility. You can also check with your existing insurance provider to see if they can extend their services for your stay in Mexico.
Language Preferences And Support
Your insurance provider should provide you with 24/7 customer support and be reachable by multiple channels. Look into whether the insurance provider has toll-free numbers with English-speaking operators to help you at any time of the day. The insurance provider should be able to guide you to any nearest health care facility in case of an emergency.
Coverage
Some insurance providers may only be able to reimburse money once you have already made the payment. And some providers will only provide coverage for the hospitals of their choosing. There are also certain limitations on insurance payout for injuries caused by extreme sports or under alcohol consumption.
Look into these limitations and choose a provider who can provide you with the optimal coverage you are looking for. You can also take up supplemental travel insurance to help make up for any coverage limits in your medical insurance.
Emergency Medical Evacuation
This coverage pays for your trip back to your home in case of a medical emergency and includes the flight or ambulance costs it takes to travel back. This option can be greatly helpful when you want to quickly get back home and continue your treatment under your original insurance policy.
So, these are the factors that will impact your choice of travel medical insurance in Mexico. For any queries, contact us today.
