Visit Citebite Deep link provided by Citebite
Close this shade
Source:  http://www.mexperience.com/guide/essentials/insurance.htm

Mexico Travel, Lifestyle and Real Estate
Create your perfect experience in Mexico


Members: Login : Register Free

 Home :
Travel Guides :
Lifestyle :
Real Estate :
Picture Gallery :
Blogs :
Free E-Magazine :
Travel Essentials :
Travel Center

Search

Mexican Insurance made easy with BajaBound.com

BajaBound.com is the easiest way to get Mexican auto insurance for travel throughout Baja and the Mexican Republic. Buy and print your policy online in minutes. Great rates and service!

Mexico Travel and Auto Insurance

Introduction to Mexico Travel Insurance

Getting properly insured for your visit to Mexico

Health Insurance in Mexico

Having personal health insurance is essential

Auto Insurance for Mexico

You need a specific policy to insure your vehicle

Travel Insurance
Auto Insurance in Mexico

Buyer's Guide / Key Tips for Buying Insurance

What a policy should include with buyer's tips

Adventurous and High Risk Activities

High risk activity insurance cover in Mexico

Mexico Travel and Auto Insurance Brokers

Buy online travel and auto insurance for Mexico

Introduction to Mexico Travel Insurance

When you travel in Mexico, whether it's for pleasure or business, you will need to be properly insured for your health as well as your car, RV, boat, etc.

Mexico Auto Insurance Services

We offer our program exclusively on the Internet which saves you a ton of money! Our program of Mexican auto insurance is available for all vehicles and cars. Our insurance partners provide 24-hour bilingual claims hotline and a complete listing of offices throughout Mexico.

Some US and Canadian health plans provide (usually limited) health coverage in Mexico, but not all, so you need to check beforehand. Even if they do, you should ask about what arrangements they have in the event you suffer an accident -- read our guide below for details.

If you live in Europe or Australia and are used to free health care at point of delivery (or through a Government-based insurance program) be aware that Mexico does NOT have reciprocal agreements with any other country for health care services.

Insuring your vehicle in Mexico is essential. You MUST have insurance if you are driving a US or Canadian car, truck, RV or other vehicle across the border. If you are renting a car in the US and driving south you will need to pay an additional premium to be covered across the border.

You can buy auto insurance on the border, but buying auto insurance at a retail outlet (ports, convenience stores, supermarkets) will almost certainly cost you more. It's better to arrange your coverage online before you travel -- you'll find several options from this page.

You must buy travel insurance in your country of residence. It can be purchased at airports and convenience stores, but at a higher premium than if you buy ahead of time, online.

This guide will give you an excellent overview of what you need to know to get properly insured at the best possible price in Mexico.

[Return to Contents Table]

Guide to Health Insurance in Mexico

If your travel to Mexico is not covered by your home Private Medical Plan, you will need to buy insurance separately. Mexico does not have any reciprocal health care arrangements with any other country - any medical attention you require (doctors, specialists, support services, medicines and transportation -- e.g. ambulance, air ambulance or in severe circumstances home repatriation -- will need to be paid for in full).

Why do I need a health cover plan for travel in Mexico?

Mexico has a national health care system called the IMSS (Instituto Mexicano de Seguro Social), however only Mexican Nationals and Legalized Immigrants are entitled to free treatment; this includes emergency medical treatment. Mexico does not have any reciprocal health care agreements with any other country in the world. This means that you MUST pay for any treatment you receive from private medical professionals as well as medicines and support services from private clinics and hospitals. Private health care is expensive in Mexico. Being insured when you travel there is essential.

I already have private health cover at home!

Some private health care plans offer cover for travel overseas. However, this cover is sometimes limited in terms of days allowed overseas, services covered -- or both. It's also important to check what services they have in place to support you once you are abroad. Does your medical plan provide a Mexican toll-free access number with English-speaking operators, for example? Check with your health care company to ensure you're properly covered (see our Buying Guide below for guidelines). If their policy falls short, you may usually purchase a top-up plan.

Travel Insurance -v- Travel Assistance

When you're buying travel insurance, it's important to check what support services the insurance plan offers you once you are in Mexico. Who do you call in an emergency? Is there a single point of contact? Will they help you find a doctor, a private clinic, a lawyer if you need one (for example, if you are involved in a nasty accident)... Will they call your loved ones at home to pass on any messages if you are unable to do so personally? Check for the extra services on offer when you're choosing your cover plan. Many insurance companies offer "bread and butter" (standard policy) cover for roughly the same price. However, when you're in an emergency situation, it is the extra support they have (or perhaps don't have!) in place that could make all the difference to you.

Mexico Travel Insurance and Auto Insurance

SafeMex offers travelers the best in emergency travel protection and travel assistance for medical insurance, legal and roadside. International Gateway provides your needed Auto Insurance from Mexico’s largest insurance company. Purchase and print online.

[Return to Contents Table]

Buyer's Guide & Key Tips for Buying Mexico Travel and Auto Insurance


As a general guide, you should look for a policy that covers at least:


Medical Expenses to at least US$5m: This should include the costs of repatriation back home should you or members of your family require it. If you have a health care plan which covers the major costs once you get home, you may only need a top-up insurance plan to pay your repatriation costs. Commercial airlines will not fly you home if you are seriously ill or incapacitated -- a private air charter will be required. They are expensive and an insurance plan should allay those fees.

Personal Accident Cover: Your insurance should provide cover for personal bodily injuries. Material losses - for example, loss of plane tickets, delay and / or cancellation of flights should also be included.

Theft of personal items: These should include luggage and small amounts of cash (usually up to a couple of hundred dollars). If you are carrying items of particularly high value (e.g. a very expensive watch) be sure to check this is covered explicitly in the policy.

Third Party Liability: Your plan should cover your liability to third parties in case you accidentally hurt them in some way; this is normally standard in a comprehensive insurance plan. Your insurance should also cover legal assistance costs, should you need them while traveling in Mexico.

Travel Assistance: Check carefully to see what travel assistance is offered by your plan. Travel assistance is different from insurance per se: Assistance includes things like putting you in touch with appropriate local doctors, finding a local lawyer who speaks English if you need one, and getting messages to loved ones back home if you cannot do that yourself.

Auto Insurance: The auto insurance market is very competitive and some firms try to grab your attention (and custom) with headline offers.

Adventure Mexican Insurance

Let your adventure in Mexico start with a great insurance deal. Our web site allows you to get an instant quotation and quickly and conveniently acquire the highest quality Mexican auto insurance from your own computer in less than 5 minutes.

A good, reputable firm will offer a fair premium and, in return, provide comprehensive cover options with excellent service and after-care. When things go wrong, it's the service, instead of the price, which makes all the difference. You need to be able to contact a representative easily and at minimum cost in the event of an accident and you should have a choice about where repairs are to be made.

You'll have a choice of coverage-levels (more coverage = higher premium); a comprehensive policy should include any damage including part-damages to your vehicle, glass breakages, fire and theft, third party property cover in case your vehicle causes damage to a third party's asset; civil liability cover in case the third party sues for damages; and, in some cases, specific medical care expenses.

Adventure/High Risk Activities: If you are taking part in adventure travel or activities otherwise considered "high risk" by an insurer (even if you personally don't consider them to be 'high risk'), read the information below about Insurance for Adventure Activities in Mexico

Key Tips for Buying Mexican Travel Insurance


  • Travel insurance MUST be purchased in the country where you live BEFORE you travel. You cannot buy travel insurance for yourself in Mexico, other than rental car insurance;
  • If you leave buying insurance to the last minute, you will probably not get coverage for delayed or cancelled flights (especially if they are due to strike action) and you will probably pay more for your cover by buying it from a retail outlet, for example, at the airport;
  • When you buy insurance, keep in mind that service and after-care are extremely important. When things go wrong, it's good after-care service that will really help to make your situation better;
  • Check the credentials of all insurance brokers: reputable firms work with established names in the insurance market and will be properly licensed;
  • Buy Insurance Online! Because operating costs are lower, cover can be arranged instantly by sending you electronic documentation by email. Buying your Mexico travel insurance online will almost certainly work out less expensive than buying it in a retail outlet -- especially airports and land border crossings.

[Return to Contents Table]

Mexico Insurance for your Auto Car

If you are driving your own car, truck, RV or other vehicle from the USA or Canada over the border by road into Mexico, your US/Canadian auto Insurance policy will NOT cover you in Mexico!

Make sure that your vehicle is properly insured when you travel south of border: If you are not, you could end up in a lot of trouble and end up being taken advantage of in the event of an accident.

Read our comprehensive advice about Driving in Mexico for further details

Tip - Buy your car insurance online before you travel and save money. Buying insurance at a retail outlet or at the border will almost certainly cost you more!
See: Insurance Brokers

Mexican Insurance made easy with BajaBound.com

BajaBound.com is the easiest way to get Mexican auto insurance for travel throughout Baja and the Mexican Republic. Buy and print your policy online in minutes. Great rates and service!

[Return to Contents Table]

Insurance for Adventurous Activities in Mexico

Ensure you're properly covered for 'high risk' activities!

In addition to the comprehensive insurance outlined above, you need to take out additional cover for you and your family if you are planning (or may have a chance of) taking part in any adventurous activities, or activities that insurers consider to be "high risk"...

If you are taking part in (or there is a possibility that you might take part in) any adventure activities, such as (but not limited to) Mountaineering, Scuba Diving, Skiing, Power-boating, Jet Skiing, Mountain Biking, climbing, caving, bungee jumping and the like, be sure to check your existing cover (if you have medical and travel insurance already).

Make absolutely sure that any high risk activities are explicitly specified on your insurance policy documentation as being covered in the event of an accident. You will need to pay an additional premium to get cover for activities defined as adventurous or high risk by insurance companies - even if you personally don't consider them to be high risk!

If you are doing anything that may be considered "high risk" by an insurer (that is, out of the scope of 'normal vacation activity'), be sure check with your insurer and cover yourself and your family accordingly.

If you are unsure, ask your insurance company and, if necessary, get agreement of the specific activity included in the wording of the policy between you and the insurer.

[Return to Contents Table]

Mexico Travel and Auto Insurance Brokers

Buy Mexico Auto Insurance Online at Mexpro.com

Purchase and print your policy online today - Get instant quotes from multiple insurers (from up to 5 proven Mexican Insurers). Our Agency guarantees great service, competitive rates and insurance expertise. Available en Español. Visit www.mexpro.com today!

Mexico Travel Insurance and Auto Insurance

SafeMex offers travelers the best in emergency travel protection for medical insurance, legal and roadside assistance.
International Gateway provides your needed Auto Insurance from Mexico’s largest insurance company. Purchase and print online.

Mexico Insurance Specialist

Mexican auto insurance for driving a car in Mexico. Easy Quote, Buy and Print your policy online. Don't take chances! travel with peace of mind. Representing the Largest and most reliable Auto Insurance Company
in Mexico. www.mexborder.com

Adventure Mexican Insurance

Let your adventure in Mexico start with a great insurance deal. Our web site allows you to get an instant quotation and quickly and conveniently acquire the highest quality Mexican auto insurance from your own computer in less than 5 minutes. www.mexadventure.com

[Return to Contents Table]