FAQs - Do I Need Travel Medical Insurance?
- Call your U.S. medical provider to find out exactly what they will and will not cover into Mexico
- Not adequately covered? Consider purchasing travel medical insurance
- Decide if air emergency evacuation coverage is important to you
What does travel medical insurance cover?
It is important to closely read about the coverage you may purchase. Travel medical insurance policies vary greatly and may cover any or all of the following and more:- Medical expenses
- Physician and hospital expenses
- Emergency medical evacuation
- Travel expenses for a spouse or companion to visit
- Minors returned home
- Trip cancellation insurance
- Repatriation benefit
- Optional Hazardous Sports Rider
- Travel assistance
What differences are there between travel medical insurance and the coverage I may have on my Mexican auto insurance policy?
The chart below will give you a general idea of some coverages available with travel medical policies.
| Coverage | Travel Medical Insurance | ACE Seguros | HDI Seguros |
|---|---|---|---|
| Medical expenses for accidents that are NOT automobile related? |  |
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|
| Air emergency transport in case of critical illness or injury | Sometimes included |
Mexican hospital or patient may pay for int'l transport | Mexico, San Diego or Houston hospitals only |
| Optional Sports Rider | |
|
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| Trip interruption or cancellation insurance | |
|
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| Medical expenses coverage if you are driving a motorcycle | |
|
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| Transportation for minors to go home | |
Up to 5 people |
Up to 4 people |
| Transportation for spouse or other to visit | |
|
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| Repatriation | On certain policies |
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On my Mexican auto insurance policy it says "Medical Expenses for Occupants." What exactly does that cover?
In case of an automobile accident, Mexican auto insurance policies cover medical expenses up to the limits on the policy. These limits are usually either $2,000 per person up to $10,000 per accident or $5,000 per person up to $25,000 per accident (motorcycle policies are NOT eligible for medical expenses). The coverage includes hospitalization, medical attention, nursing, ambulance service and funeral expenses. If you require more coverage, your U.S. medical policy may kick in if it covers you into Mexico. It does not cover any other types of accidents.How much do travel medical insurance policies run?
Travel medical coverage is inexpensive, costing only a few dollars per day.Who offers this coverage for immediate purchase online?
There are many, but you may like to check out MEDEX. They make it easy to understand travel medical insurance and purchase coverage right away. They offer several types of policies, both short and long term at very affordable prices. Their underwriter is rated "A" on A.M. BestWhat coverage limits for medical expenses are available?
Various limits of medical expenses coverage are available: $50,000, $100,000, $250,000, $500,000.
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