To all avid travelers planning their long-awaited Mexico trip, here is essential information you should not skip over. You need travel health insurance for your Mexican trip. Be it a trip for leisure or business. Your first priority has to be your safety and health. While not the panacea, the right travel health insurance can quickly help you overcome most of the health-related troubles and expenses you may have to face while in Mexico. And remember, your existing policy may not cover your medical costs while you are in Mexico; ask your insurer before you go. If you are still wondering why you have to shell out some extra money for your insurance premium, let us give you the reasons why.
Why Do You Need Travel Health Insurance In Mexico?
- The US State Department highly recommends buying it before you travel.
- The Mexican healthcare system Instituto Mexicano de Seguro Social provides medical care. It does not offer any medical care arrangement for foreigners, and hence foreign tourists will have to pay out of their pockets for any medical expenses they may have while in Mexico.
- Without a policy that pays, the bill for any medical care you need while in Mexico is yours.
- Travel health insurance pays covered medical expenses up to the plan's limits, subject to its exclusions
- Assistance services come with it: IMG states that its Patriot plans include global emergency assistance services, and that they exclude pre-existing conditions.
- Evacuation can be bought as well: TME's medical evacuation plan covers evacuation to a hospital of your choice.
- If your existing insurance does extend its coverage to Mexico, you may still face problems concerned with reimbursements, the limited duration for coverage, and so on.
As you can see, the sensible step is to find a travel health insurance provider who can help you get the policy that fits your needs.
Choosing The Best Travel Health Insurance
Here are some considerations when choosing your insurance provider.
- Make sure you know which insurer underwrites the plan and can look it up.
- Check what customer support they provide, in what hours, and by which modes of communication, including a phone number and email.
- Having support in the language of your preference will also come in handy to help get your queries solved quickly and smoothly
- Look into the coverage provided and optional coverage such as evacuation. You may also have to look into the specific terms as to what is covered under the policy. For example, some policies may not cover injuries resulting from high-risk activities such as adventure sports.
- Look into referrals, customer testimonials, and review sites to get a good idea of the quality of the services provided by the insurance provider.
- Pay attention to the cancellation and reschedule policies they offer.
SmartGringo links to IMG and TME, which quote and sell the plans; compare the terms and make your final decision.
Still shopping for cover? Compare cover for your trip at IMG.