Mexico is a wonderful place and home to diverse cultures which are not limited to the Spanish, Caribbean and Indians. Several million international tourists flock to Mexico annually, in order to behold its unique heritage and magnificence in places like Guadalajara, San Miguel de Allende, San Jose de Cabo, the pyramid of magicians and etc. In 2016, the New York Times ranked Mexico as one of the best tourist destinations to visit. Mexico recorded a 9.3% increase in international visits, with a revenue of 13.32 billion dollars in 2015, as a result of international tourism.
from places like Tijuana or Lyon, Mexico is a safe country for tourism. But despite, these recommendations, tourists should know that they could experience certain kinds of situations at any place or time. For this reason, tourists or foreigners are also required to purchase a valid travel insurance policy to provide a minimum or close to perfect coverage in times of distress.
General information about travel insurance to Mexico
Why is it necessary to obtain an insurance before traveling to Mexico?
The insurance is required to protect the tourist from several kinds of risks that may be beyond the imagination of the tourist, throughout his or her stay in Mexico. Apart from medical expenses coverage, the insurance may cover the tourist from other catastrophic events which may lead to loss of properties, trip cancellation, legal settlements, and accidents, provided certain additional options are included by the insured. In essence, the cost of settling payments for these unforeseen events may exceed the tourists' itinerary budget.
Some Insurance companies may offer travel insurance services for various premiums, depending on their interests, organizational goals, and business strategies. Some companies may require the insured to pay a specific amount of deductibles, while other insurers may not require the insured to pay deductibles before the actual coverage can begin to take effect.
The age of the individual seeking the insurance policies determines the cost of the insurance policy. For instance, the premium for an adult will be less expensive than the premium required to cover a child or an old person above 64 years.
The cost of insurance per day for a long trip may be inexpensive when compared to that of a short trip. For example, if trip A is scheduled for 30 days, and trip B is scheduled for 7 days on the contrary. The insurance cost for one day may be inexpensive for trip A. However, the cost of insurance for one day may be expensive for trip B.
Extending the insurance coverage to individuals above the age of 2 will require an increased premium. More so, a high premium is associated with multiple companions. For instance, some insurance companies provide the capability for the insured to extend the insurance policy’s coverage to children below 2 years, without incurring an additional cost. Contrary to this, a huge amount of premium will be required to extend coverage to other family members, close relatives or friends, and the cost of such extension will be multiplicative.
The travel insurance policy can be supplemented by including non-medical options to protect the policyholder from events that may be financially catastrophic.
Several Insurance companies do not cover pre-existing conditions, but a handful of them provide policies with the capabilities to cover several kinds of pre-existing conditions at an increased premium.
The cost of the travel insurance policies could be determined through the insurance company’s customer care.
Additional Options for extending the travel insurance coverage
Other options can be included by the insured to enhance the coverage capacity of the travel insurance policy. These Additional options include:
Personal liability insurance
Trip Cancellation Insurance
The risk of forfeiting a fare may be associated with purchasing a ticket for a scheduled trip. After paying for a fare, the insured tourist may forcefully abandon his/her itinerary due to the occurrence of circumstantial events beyond his/her control. The following reasons may cause the forceful cancellation of a scheduled trip:
The insured may be declared unfit for the trip by a doctor.
The insured's visa application may be rejected at the Embassy for certain reasons, especially if the insured had purchased the fare in advance.
The death of either the insured or his/her family member or close relative.
A sudden sickness of the insured's child.
The insured may be summoned as a witness to testify in the court of law.
The insured may be ordered to undertake a critical military assignment on behalf of his/her nation.
The insured must inform the transport carrier, and cancel the trip.
The insured must provide adequate documentation and necessary reasons for canceling the trip.
The insured must not be seriously ill while purchasing the fare.
The dental insurance option provides coverage for expenses on regular dental and oral care procedures. The standard travel insurance policy will not provide orthodontics and other dentistry services, it might only assist in times of emergency by providing pain relievers for the insured. Hence, in order to perform certain kinds of dental procedures like crowns, root canal treatment, bridges, cavity filling, tooth extraction, x-ray, regular cleaning and other orthodontic procedures, it is better to include dental insurance.
The luggage of any traveler is subject to the risk of loss or damage by accidents and theft respectively. Provided this insurance is included, it may cover the expenses associated with losing the insured's luggage. For instance, the tourist may lose some luggage contents like clothes, medications, credit card or other important documents. In such cases, if this insurance is included, it will provide compensation, especially if the contents of the luggage are not misplaced due to the negligence of the insured. The compensation provided by the insurance is valued at a certain sum less the depreciation of the missing item. For instance, if the insured loses his/her clothes, the insurance will provide compensation based on the current value of the clothes. The insurance doesn't provide coverage for the loss of expensive properties like pieces of jewelry or other properties meant for commercial purposes. If the insured intends on traveling with expensive jewelry or electronics like laptops, they should be kept close to the insured in a hand luggage and not in the cargo section of the plane.
The sports insurance, if included; will provide coverage for expenses involved in treating severe injuries sustained by the insured during a sport or outdoor activity. Tourists planning to participate in one form of rigorous exercise or the other should endeavor to insure the associated risk by opting for the sports insurance option. This option is very relevant for sports enthusiasts, athletes, veterans and other military staff who intend to keep fit during their vacation in Mexico. For instance, if the insured intends to participate in Charreader, it will be wiser to add this option, because in cases of an accident, the default medical coverage provided by the travel insurance will not be able to settle the expenses for treating severe injuries, and it will not provide subsequent compensational benefit, especially when the sport accident leads to certain kinds of disabilities.
The accident insurance provides coverage for treatment of severe injuries sustained during an accident.
Will the medical insurance cover treatment for accidents, and why is accident insurance necessary?
Yes, it will, but subsequent compensations for resulting disabilities, dismemberment, loss of limbs, sight and extremities will not be provided by the travel insurance alone. Rather, if the accident insurance is included in advance, it will provide such compensations. For instance, if an insured traveler loses his sight and sustains multiple fractures during a car crash along the La Rumorosa highway. After covering the expense on necessary treatment for trauma and injuries, the accident insurance might provide compensation for the loss of the victim's sight, due to his inability to return back to his previous occupation in his present situation.
Personal Liability Insurance
An insured tourist may inadvertently destroy or inflict injuries on a third party, and get sued. And he/she may incur the cost of treating the third party or replacing the victims damaged property. Similarly, the insured may commit an offense in Mexico out of ignorance, but we know that ignorance is not an excuse for breaking the law. In such an unfortunate situation the personal liability will cover the cost of settling any arising court case or punishment by the law. If necessary, the personal liability insurance will provide a competent lawyer to negotiate on the insured's behalf in such an unfortunate situation, provided this option is included by the insured prior to the insured event.
The option may not provide coverage in the following cases:
Involvement in criminal offenses, especially in connection with any form of syndicate or drug cartel.
Involvement in a terror plot.
Try and read the terms and conditions of the policy to gain more insight on this section.
Dental services and pain-relieving treatments in cases of emergency intervention.
Expenses associated with recovering lost documents.
Expenses for legal aid.
Search and rescue operations, only at an additional cost to the original premium.
The insurance company will deny the coverage of a medical expense which arises from self-inflicted injuries.
Death as a result of suicide will not be compensated by the insurance policy.
False declaration of health status. If the insured provides false information about his/her health situation, the insurance company will refuse subsequent coverage. Therefore, it is better to present an honest and valid information about insured's health condition, especially when the insured is diagnosed with a terminal illness immediately after purchasing the insurance policy. For instance, if the insured is diagnosed with a cardiovascular disorder which was absent when the insured was purchasing the insurance policy, the insured must inform the insurance company in order to avoid denial.
Pre-existing conditions are not covered by several insurers, and only a handful of these insurers would cover pre-existing conditions at a high premium.
Treatment of chronic or mental diseases.
Injuries sustained from accidents as a result of drug abuse or excessive intake of alcoholic products will be denied by the insurance company.
The insurance company will not be responsible for covering the expenses associated with treating menstrual abnormalities, impotency, birth control and artificial insemination.
Travelling for the sole purpose of receiving medical treatment will not be covered by the insurance company.
The insurers may deny the expense of treatments associated with accidents, especially if the insured drives without a valid driving license.
Accidents as a consequence of alcoholic or narcotic intoxication.
The insurance coverage will fail if the accidents are experienced as a result of negligence on the insured's part. For example, if the insured does not pay attention to risk reports and updates provided by his/her insurer.
While purchasing an insurance policy, it is advisable to indicate the following risks:
Participation in sports and other forms of rigorous exercise.
Manning Scooters or motorbikes.
In addition, tourists are advised to inquire about other risks that could either be covered or uncovered.
Actions performed in the case of an insured event
First of all, contact the representative of the insurance company and provide detailed information regarding the insured event. Also, be sure to report any contraindications or allergies to certain kinds of medications.
Duplicate (if possible) claims by sending an email format of the complaint in addition. At the time of the appeal, the insured should be ready to provide the customer care with the following details:
Name of insured person.
Number of the insurance policy and the name of the insurance company.
The phone number that will be used in following up details about the insured's situation.
After this procedure, the insured will receive instructions from the representative of the insurance company concerning the medical institution to visit. If the medical institution is far from the insured's location. The insured must specify the mode of transportation required to deliver him/ her to the proposed medical institution.
The insured must also make inquiries concerning who will incur the cost of such a fare.
Keep all documents and evidence concerning the payment of transport to the medical institution. The insured must preserve all documents indicating the costs of medications.
If the Insured is directed by the customer care to a medical institution in which it is necessary to make a cash payment, for subsequent compensation of expenses; the Insured must obtain the following documents:
An invoice for payment confirmation.
Doctor's statement indicating the diagnosis in English.
Do not go to any unauthorized medical institution, except the institutions recommended by the insurer's s customer care. Such actions may require the insured to bear the cost of the medical services without receiving subsequent compensation from the insurance company.
Cost of Medical Services in Mexico
Compared to the United States of America (USA), medical services are cheaper in Mexico. However, the medical services offered in Mexico is much more expensive than countries from the eastern parts of Europe and CIS.
The following medical services and their respective costs are enumerated below:
General Doctor’s Consultation: 30 dollars and above.
Dentist Consultation: 50 dollars and above.
Blood test: 3 to 7 dollars or above.
Hospitalization: 200 dollars and above.
Emergency Numbers in Mexico
The following contact numbers provided below may be very useful in times of distress:
Tourists may also contact the Red Cross for free medical services. The following Red Cross contact details are listed below:
Calle Luis Vives 200.
Colonia Polanco México.
DF 11510 tel .: (5255) 10 84 45 05 , 10 84 45 06, 100 84 45 07.
fax: (5255) 1084 4514.
There are no specific vaccines recommended while traveling to Mexico, but if the tourist intends to explore the wonders of the pyramids in jungles like Cuba (Nohoch Mul Pyramid), Calakmul (the great pyramid) and Uxmal (pyramid of the magician), then the tourists are required to obtain tetanus and diphtheria vaccines. More so, during the rainy seasons, the risk of Malaria could increase, and in such conditions, it is better to prevent malaria through the leverage of Anti-Malaria medications or by applying mosquito repellants.
There are no dangerous animals within Mexico City, but tourists ought to beware of insects likes bee, wasps, hornets and fire ants that could cause skin irritation and itching reactions due to their sting or bite. Besides, tourist should also watch out for scorpions in the city and also within their hotel rooms.
Mexico is home to several delicious meals like tacos, Chilaquiles, Mole and other assorted kinds of foods. Several tourists have different kinds of digestive systems, and as such, consuming these meals may cause some kinds of allergic reactions to only tourists with allergies for either the entire food or the ingredients used in preparing these dishes. Besides, even if these dishes may pose no form of future discomfort, tourists ought to pay attention to hygiene in order to avoid food poisoning.
The weather and climate vary according to the altitude of a given place. In decertified areas, northwestern parts of the country with low coastal areas possess tropical, hot and humid conditions. Moderate conditions are found in places with altitudes of about 2,300 meters above sea level.
Mexico is characterized by pleasant summers and mild winters, with annual temperatures of 18 degree Celsius. Northern Mexico is usually hot during the summer season, with unexpected violent storms and heavy rain. These storms are capable of causing tornadoes. The coldest month of the year is January, while the warmest month of the year in May. Places like the Caribbean Sea and Gulf of Mexico experience hurricanes.
Tourists are advised to drink bottled water from reputable water supply industries, and avoid drinking water from taps, wells and open water sources like rivers or streams in rural areas. Tourists who intend to explore places outside any of the cities should make necessary arrangements for a pure source of water in order to avoid certain kinds of water-borne diseases.
No place in the world is totally free from the influence of crime, but the rate of crime in Mexico is very high especially in places like Tijuana and Lyon. In fact, 2017 was tagged as the deadliest year in the modern history of Mexico with over twenty thousand murder cases. The following crimes are committed in Mexico:
Nature of Medical Services in Mexico
The Mexican healthcare institutions offer adequate medical services in both private and public hospitals. However, foreigners are required to pay for these services which are quite expensive, especially without health or travel insurance policy.
Several private clinics and hospitals are built in accordance with US medical standards. The Mexican medical workforce is made up of so many professional doctors who are capable of speaking English fluently. Reputable Hospitals are located in cities like Mexico City and Guadalajara. The private clinics are more equipped than public clinics and they are heavily patronized.
Pharmacies in Mexico are so numerous, and they operate although 24-hours of the day, even in small towns. Antibiotics and painkillers are dispensed solely on prescription. Prices of medicines in Mexico are high compared to the United States. In fact, Drugs are offered on discounts due to high competition between pharmaceutical companies.