Almost all are well aware of the beauty of Mexico, especially its beaches and other beautiful & historic landscapes that attract most visitors across the world. Traveling is one of the best experiences one can have in life, but unforeseen events like sickness or accidents during your Mexican trip can ruin everything. So, if you are planning a trip to Mexico? But you are not sure whether you’d need travel insurance to go to Mexico or not. Don’t worry, in this article; we will highlight all the things that you need to know about Mexican travel insurance.
Travel Insurance: Is It Worth the Money?
The US State Department says: "We highly recommend that you buy travel insurance before you travel." Travel insurance plans can cover anything from trip protection to medical costs, depending on the plan. Here are the most important factors that you need to take into account to decide whether Travel Insurance is worth your money.
- If you tested Covid-19 positive before visiting
You should be covered under Mexican travel insurance to avoid interruption during your trip caused due to medical conditions like Covid-19. If you test positive, you will get reimbursed under trip cancellation coverage by your insurance company to cover all your expenses, like unused prepaid costs. At the same time, a trip delay coverage will compensate you against hotel and meal (with limits) expenses in the event of being quarantined.
- In case of sudden Border Closing
When a country suddenly closes its borders due to a pandemic, you won’t be covered unless you buy a “cancel for any reason” policy. These plans cost more than standard plans and usually reimburse only part of your expenses.
- If you lose your baggage during your trip
This thing can happen to anyone, but it’s up to you whether you were already prepared to face such a situation or not. Some plans include a baggage benefit, with the limits set out in the plan; check whether the plan you are considering does, and what it pays. Comprehensive insurance coverage can help you in such a situation, and hence can provide peace of mind to the insured.
Which Travel Insurance Plan Is Right for You?
Different insurance companies offer several insurance plans that include various types of coverage. IMG, whose plans SmartGringo links to as an affiliate, markets mainly three types of travel insurance plans for individuals, families, and groups of travelers going to Mexico, which are listed below. SmartGringo does not sell them; IMG does.
- Patriot Travel Medical Insurance®
This insurance plan is designed for those individuals, families, and groups who want to get a short-term (5 days to 2 years) travel insurance plan for their trip. Under the patriot travel medical insurance plan, things like medical expenses, evacuation, and repatriation will be covered.
- Global Medical Insurance®
This insurance plan is specifically designed for individuals and families who want long-term coverage (one year or more). That means anyone purchasing this travel health insurance plan can easily renew their policy annually. Almost everything that can increase the burden on your pockets is covered under this insurance plan; that’s why it’s also termed a comprehensive coverage plan.
- Patriot Platinum Travel Medical Insurance
This platinum travel insurance plan is a longer-term travel medical plan that can include sudden and unexpected recurrence of pre-existing medical conditions, subject to the plan terms. Deductible options vary by plan**.**
Do I really need travel insurance to go to Mexico?
The US State Department recommends it. Most visitors think that the insurance from their home country will protect them on their abroad trip, but they don’t know that it will not be able to cover a wider range of things that can happen during their abroad trip. Traveling in Mexico without travel insurance coverage can be risky as unexpected events can happen anytime and badly affect your Mexican trip. So, it’s up to you whether you want to enjoy your trip abroad with your family to the fullest or not.
Bottom Line:
Traveling Mexico with your loved ones can be risky without having travel health insurance. Traveling without coverage can expose you to financial risks during the trip, as these insurance plans come with several benefits for the policyholders that we have already mentioned above. So, don’t waste your future time: compare IMG’s plan options on its quote page, and pick the travel insurance to go to Mexico that is worth your money.
Ready to compare plans? Start a health insurance quote.