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? Yes
No No
Air emergency transport in case of critical illness or injury Yes
Sometimes included
Mexican hospital or patient may pay for int'l transport Mexico, San Diego or Houston hospitals only
Optional Sports Rider Yes

No No
Trip interruption or cancellation insurance Yes
No No
Medical expenses coverage if you are driving a motorcycle Yes

No No
Transportation for minors to go home Yes
Yes
Up to 5 people
Yes
Up to 4 people
Transportation for spouse or other to visit Yes
Yes Yes
Repatriation Yes
On certain policies
Yes Yes

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.

What 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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