Last Updated on by Rodrigo @ OutofYourComfortZone
Planning a trip to Mexico? Don’t overlook the importance of travel insurance! Continue reading to discover excellent travel insurance options designed for budget travelers, backpackers, adventure enthusiasts, and more. Additionally, we’ll uncover two potential options for complimentary travel insurance that might surprise you!
Embarking on an exciting journey to Mexico is undoubtedly thrilling, but it’s normal to feel a bit overwhelmed with all the preparations. From booking flights and accommodations to planning activities and dealing with potential jet lag, one crucial aspect often gets neglected – travel insurance.
If you find yourself in this situation, fear not! Continue reading to discover everything you need to know about getting the perfect travel insurance for your Mexico trip. We’ll present you with a comprehensive list of the top and most budget-friendly options available!
But before we dive into the specifics…
Table of Contents
- 0.1 Do I really need travel insurance for a trip to the Mexico?
- 0.2 But do I actually need travel insurance? I don’t usually do any extreme activities or sports!
- 1 Update regarding travel insurance and the coronavirus (COVID-19)
- 2 1. The well-known, mid-priced travel insurance company:
- 4 IMG Global (accepts citizens from most countries!)
- 5 2. The best, most comprehensive travel insurance company for backpackers and adventurous travelers:
- 7 World Nomads Travel Insurance
- 9.1 AARDY
- 9.3 But wait….you might not even need to buy travel insurance!
- 9.4 1. Buy your return flight ticket with a credit card to (maybe) get free insurance for your trip.
- 9.5 2. Use your health insurance policy from your home country or country of residence.
- 9.6 A quick note about travel insurance for cruising:
- 9.7 Can I use traveling insurance while living abroad as an expat or an immigrant?
- 9.8 Can I use travel insurance during my international exchange or while studying abroad?
- 9.9 International travel insurance coverage for terrorism
- 9.10 List of documents usually requested by travel insurance policies when you seek reimbursement for medical expenses (if you were treated by an out-of-network provider):
- 9.11 Planning your next trip?
Do I really need travel insurance for a trip to the Mexico?
Absolutely, without a doubt!
Having comprehensive travel insurance is an absolute necessity, especially for adventurous travelers like myself, who often engage in activities that come with higher risks of injury and potential medical expenses.
Throughout my journeys, I’m constantly seeking thrilling pursuits such as mountain trekking, rock climbing, skydiving, scuba diving, and exploring everything that defines a perfect adventure!
Let’s imagine a scenario: picture yourself skiing in Switzerland without travel insurance, and unfortunately, you sustain an injury on the slopes, requiring a helicopter evacuation. Just glimpsing at the medical bill while lying in your hospital bed would likely be enough to induce a panic attack!
But here’s the reality: getting travel insurance is a wise decision, regardless of your travel destination.
During my travels, I’ve met numerous backpackers sporting the infamous “Thai Tattoo” – large scars on their legs caused by burns from scooter exhaust pipes in Thailand!
And honestly, do you really want to find yourself in a public hospital in the heart of Bangkok?!?! With travel insurance, you have the option to choose a private hospital where you’ll undoubtedly receive superior care. So, why take unnecessary risks? Ensure you’re covered and relish your trip to the fullest!
But do I actually need travel insurance? I don’t usually do any extreme activities or sports!
Pay attention: whether you’re gearing up for a shopping spree in Miami or any other trip, travel insurance is an absolute must!
While health insurance might not be required in Mexico, as it is in some other countries, there’s always an inherent level of risk when traveling. From simple mishaps like tripping on the street to more serious incidents like injuries or illnesses, unforeseen circumstances can arise.
Relying solely on Mexico’s health system (or that of many other countries) without any insurance coverage is like inviting a personal financial disaster.
Furthermore, be aware that several countries, including Mexico, may demand you to possess some form of health or travel insurance as a condition for entry.
And let’s not overlook the fact that travel insurance goes beyond medical emergencies. Depending on your plan, it can also provide compensation for lost luggage, flight delays, adverse weather conditions, and even assist with organizing your evacuation from a country in case of civil unrest.
So, before you embark on your journey, make sure you’re protected with the right travel insurance plan! It’s a smart decision that guarantees peace of mind throughout your adventures.
While Covid-19 hasn’t been completely eradicated yet, you might be wondering if your travel insurance will provide coverage in case you fall sick.
Thankfully, at this point, almost every travel insurance plan available does include coverage for sickness caused by Covid-19. However, I highly recommend carefully reviewing the details of your policy before making the final purchase. Being well-informed about the exact coverage will give you the peace of mind you need throughout your travels.
(Or for more details, you can also take a look at our article here: Does International Health and Travel Insurance cover Coronavirus (COVID-19)?)
Observation: While the travel insurance options mentioned above are tailored for tourists, if your purpose of travel to Mexico is educational, it’s crucial to explore international health insurance plans specifically designed for international students. On the other hand, if you’re heading to the US for work or as an immigrant, you’ll need a health insurance policy tailored for expatriates. You can find suitable options for these types of coverage at the end of the article linked here. Be sure to explore the available choices that align perfectly with your travel and residency needs.
How does the health system in the Mexico work?
The healthcare system in Mexico is characterized by a mixed structure, comprising both the public and private sectors. I will explain the main aspects of Mexico’s healthcare system:
- Public Health System: Mexico has a public healthcare system known as the “Instituto de Salud para el Bienestar” (INSABI), previously called “Seguro Popular.” INSABI is designed to provide free or subsidized health services to the population who do not have formal health insurance or resources to pay for private medical services. The services offered include medical care, hospitalization, basic medications, and exams.
- Universal Health Coverage: The goal of Mexico’s healthcare system is to achieve universal health coverage, ensuring that all citizens and residents have access to necessary healthcare services, regardless of their ability to pay.
- Private Health System: Mexico also has a private health sector that offers medical and hospital services to those who can afford them. Many companies and individuals choose to acquire private health insurance to gain access to a broader network of private doctors and hospitals.
- Public Health Centers: Mexico has a network of public health centers that serve as the first line of healthcare for the population. These centers offer primary medical care, preventive services, vaccination, and treatment for common illnesses.
- Public Hospitals: In addition to health centers, Mexico’s public healthcare system includes public hospitals that provide more complex medical and surgical services.
- Special Programs: Mexico also implements special programs to address specific health issues, such as the program to combat child malnutrition and vaccination program.
- Social Security Program: Mexico has a social security system that provides health coverage for formally employed workers. The Mexican Social Security Institute (IMSS) and the Institute of Social Security and Services for State Workers (ISSSTE) are two important institutions that provide medical services to workers and their dependents.
- Indigenous Health: Mexico also has specific programs to meet the health needs of indigenous populations, aiming to address inequalities and ensure access to appropriate healthcare.
Although Mexico has made significant efforts to improve its healthcare system, there are still challenges to be faced, including issues of inequality in the distribution of resources and access to services in some regions of the country.
What are the best travel insurance options for a trip to Mexico?
When conducting online research for travel insurance, you’ll come across a wide range of options.
However, after years of extensive research on various travel insurance companies and personally testing many, I have curated a list of the travel insurance options that I consistently find myself returning to.
Please bear in mind that the available choices will vary depending on your country of origin and the extent and type of coverage you desire for your trip.
I highly recommend dedicating some time to obtain quotes from each of these companies for your specific trip. While it might require a little effort, the money you can save in the long run makes it truly worthwhile!
Furthermore, there are travel insurance aggregator websites that enable you to compare and purchase different plans, making the process more efficient and convenient. Wishing you happy travels, and may you find the ideal insurance coverage for your journey!
1. The well-known, mid-priced travel insurance company:
IMG Global (accepts citizens from most countries!)
Certainly! IMG (International Medical Group) is a renowned American insurance provider that offers travel insurance to individuals from over 190 countries.
This makes IMG an outstanding choice to consider when seeking travel insurance for your upcoming trip to Mexico, irrespective of your country of origin!
With their extensive coverage and worldwide reach, IMG is a dependable option for travelers who desire peace of mind throughout their journeys. Don’t pass up the opportunity to explore their offerings and discover the ideal travel insurance plan that suits your needs, guaranteeing a worry-free adventure in Mexico!
You have the flexibility to choose your desired level of coverage, ranging from US$50,000 to US$500,000, and there are deductible options available from US$0 to US$2,500.
When it comes to pricing, IMG’s rates are generally competitive. However, similar to some other options mentioned earlier, certain activities may not be covered under their policies.
To ensure that you have all the essential coverage tailored to your specific needs, I highly recommend thoroughly reviewing the policy details before making a final purchase. This way, you can travel with confidence and assurance, knowing that your chosen policy provides the comprehensive protection you require. Wishing you a safe and enjoyable journey!
Travel insurance for seniors (65+): one thing that makes IMG unique is that they offer a travel insurance plan specifically tailored to travelers aged 65 and over, called GlobeHopper Senior.
IMGlobal travel insurance and COVID-19 coverage
In most cases, all IMG plans will provide coverage for any medical needs related to Covid-19, including treatment, hospitalizations, and medical evacuations.
Nevertheless, it is crucial to carefully review your policy before finalizing the purchase to ensure there have been no changes. This way, you can be confident about the extent of Covid-19 coverage offered by your selected plan. Travel with peace of mind, knowing that you have the necessary protection during these uncertain times!
2. The best, most comprehensive travel insurance company for backpackers and adventurous travelers:
(5% discount coupon comfort5)
I strongly believe that World Nomads is the ultimate choice for backpacker travel insurance.
Every time I embark on an adventure involving thrilling or “risky” activities such as snowboarding, canyoning, hiking, glacier walking, skydiving, deep-water diving, skiing, climbing, and more, I always opt for a policy with World Nomads.
Their coverage is genuinely extensive, encompassing a wide range of activities. I have yet to find another insurance company that offers a better deal for ALL the activities covered under World Nomads’ policies. (But if you’ve come across an alternative, please share your insights in the comments section below!)
With World Nomads, I have the peace of mind that I’m fully protected during my daring expeditions and thrilling adventures.
If you have a specific activity in mind and want to know if it will be covered by World Nomads or not, you can find more information on this page here.
In essence, World Nomads offers two types of policies for you to consider. The first is the “Standard” policy, which may suffice even if you have adventurous activities planned. It provides emergency medical coverage for activities like downhill skiing or hiking up to 6,000 meters (nearly 20,000 feet)!
On the other hand, the “Explorer” plan is ideal for more extreme travelers. It covers a wide range of activities, but it’s essential to double-check your plan before purchasing to ensure your specific activities are covered.
Moreover, World Nomads offers the option to add coverage for high-value specified items, such as iPhones and digital cameras. This can be a valuable add-on if you’re traveling with expensive electronic gear or visiting regions prone to theft, like Brazil (my native country).
Based on my personal experience, I can vouch for their attentive and user-friendly customer service team, especially when I needed reimbursement after falling sick in Thailand.
Lastly, one significant advantage with World Nomads is that you can purchase or extend your travel insurance even if you’ve already begun your trip. You are not restricted to buying it solely from your home country of residence. This flexibility makes it convenient for travelers on the go.
You can get a 5% discount code on your World Nomads travel insurance policy by using the coupon code “comfort5″.
(P.S. If you’re anything like me and are also addicted to sports and adventure activities and want to make sure you have good travel insurance that covers them, here are two other articles you might like: 3 Best International Travel Insurance for Extreme Sports and Adventure Activities and 9 Tips to Stay in Shape During Your Travels.)
WorldNomads travel insurance and coronavirus coverage
As of writing this article, World Nomads doesn’t explicitly address whether or not their insurance plans cover Covid-19 treatment. However, you can find their most up-to-date position on the coronavirus on their website here.
3. One of the cheapest travel insurance companies you’ll find anywhere:
WorldTrips (formerly Atlas Travel)
In my personal experience, travel insurance plans offered by WorldTrips have consistently been among the most budget-friendly options available. However, it’s important to note that the lower price might entail some limitations on coverage compared to companies like World Nomads.
For my trips to “safe” destinations, where I mainly plan to visit cities, such as the United States or Europe, I prefer using WorldTrips.
Although I have purchased travel insurance plans from WorldTrips before, I’ve been fortunate enough not to require reimbursement, so I cannot personally vouch for their reimbursement process. However, I have come across reviews from other travelers who did need reimbursement, and they reported positive experiences with WorldTrips.
Overall, WorldTrips is an excellent choice for budget-conscious travelers seeking affordable travel insurance. They offer plans of various durations and types, accommodating anything from year-long round-the-world backpacking trips to short study abroad programs for university students.
A standout feature of WorldTrips is their flexibility in allowing you to buy or extend your policy even if you’ve already started your trip. So, if you find yourself overseas and in need of coverage, it’s not a problem with WorldTrips.
Moreover, unlike many other insurance companies, WorldTrips has no age limit. Though the price of the plan increases with age, they do offer coverage for seniors, making them a dependable option for senior travel insurance when few other companies provide this service.
WorldTrips travel insurance and Covid-19 coverage
In most cases, your WorldTrips policy will offer coverage for any medical expenses related to Covid-19 sickness. However, it’s crucial to review the policy details thoroughly before making a purchase to ensure you have the most up-to-date coverage. This way, you can travel with confidence, knowing you are adequately protected in case of any Covid-19 related medical needs.
4. The new international travel insurance company for digital nomads and adventure/extreme sports:
Safety Wing has built a stellar reputation in the insurance industry by offering a diverse range of travel insurance options catered to students, digital nomads, expats, and all kinds of travelers. Their comprehensive coverage choices have made them a top choice for many individuals seeking dependable and adaptable insurance solutions for their trips.
One thing that makes Safety Wing stand out is its focus on insurance plans that cover adventure sports and extreme activities. (Like WorldNomads!)
Plus, their website is fun and allows you to easily and quickly get a quote.
Safety Wing travel insurance and Covid-19 coverage
In most cases, your Safety Wing policy will offer coverage for any medical expenses related to Covid-19 illness. Nevertheless, it’s crucial to carefully review the policy details before buying to ensure you have the latest coverage. Staying informed about your insurance will grant you peace of mind as you set out on your adventures. Happy travels!
5. The best place to find & compare cheap travel insurance policies:
In other words, it makes it much easier to see all your options for travel insurance plans. And then ultimately compare, choose, and buy the best option for your trip.
VisitorsCoverage offers a wide range of insurance plans to meet various needs, including options for business travel insurance and student insurance.
With over ten years of experience, this website caters to citizens from more than 175 countries. Additionally, based on reviews, VisitorsCoverage is renowned for its strong and reliable customer service team, available online seven days a week. This ensures that travelers can access timely assistance and support whenever necessary.
Whether you’re traveling for business purposes or studying abroad, VisitorsCoverage stands as a reputable platform to explore and find suitable insurance plans tailored to your specific travel requirements. It’s a trustworthy resource for discovering the perfect insurance coverage for your journey.
VisitorsCoverage travel insurance and COVID-19 coverage
On the VisitorsCoverage platform, you can easily access and review the details of each specific plan to understand its Covid-19 coverage. However, it’s worth noting that, similar to the companies mentioned earlier, most travel insurance plans nowadays include some form of Covid-19 coverage.
Travel insurance providers have recognized the significance of offering protection for travelers during the ongoing pandemic. While exploring your options on VisitorsCoverage, you can expect to find plans that address Covid-19-related medical needs, providing you with added reassurance during your travels. It’s an excellent resource to discover travel insurance plans that prioritize your safety and well-being during these challenging times.
6. Another great website to search for and compare cheap travel insurance policies:
Just like VisitorsCoverage, TravelInsurance.com operates as a travel insurance “portal,” offering the convenience of viewing and comparing various travel insurance plans from multiple companies all at once.
To start your search, simply provide your personal information and some details about your trip. The platform will then present you with a comprehensive comparison of the available plans, allowing you to filter the options based on ratings and prices. This user-friendly process enables you to easily find the most suitable and competitive travel insurance plan for your specific travel needs, all in one place. With TravelInsurance.com, securing the right coverage for your journey becomes effortless and efficient. It’s a fantastic tool to simplify the process of finding the perfect travel insurance plan for your upcoming trip.
TravelInsurance.com and coronavirus coverage
When using TravelInsurance.com, you have the opportunity to review the details of each partner insurer’s Covid-19 coverage. However, it’s important to note that, similar to the companies mentioned earlier, the vast majority of travel insurance plans nowadays include some level of Covid-19 coverage.
Travel insurance providers have adapted to the current situation, recognizing the importance of addressing the needs of travelers during the pandemic. As you explore your options on TravelInsurance.com, you can expect to find plans that offer Covid-19-related protection, providing you with the necessary peace of mind for your travels. It’s a reassuring resource to discover travel insurance plans that prioritize your safety and well-being in these uncertain times.
7. A final “travel insurance portal” option to search for and compare policies to find the best deal:
AARDY proves to be an invaluable travel insurance “aggregator” that allows you to explore multiple travel insurance plan options from various companies all at once. Describing themselves as the “Amazon” of travel insurance, AARDY offers a user-friendly platform for easy plan comparison.
What truly sets AARDY apart is its exceptional customer service, as evidenced by their high scores on TrustPilot. In addition to their straightforward search portal that facilitates quick plan comparison, you can also reach out to them at any time through email, support, or live chat. This feature ensures that all your inquiries and concerns are thoroughly addressed before you finalize your insurance policy purchase.
Furthermore, it’s worth noting that AARDY is dedicated to giving back to the community. They donate a portion of their annual income to The Special Operations Warrior Foundation, an organization that provides financial assistance to the children of military personnel who lost their lives in combat. By choosing AARDY, you not only obtain reliable travel insurance coverage but also contribute to a meaningful cause that supports those in need. It’s a fantastic way to find the right travel insurance plan while also making a positive impact on the lives of others.
AARDY travel insurance and COVID-19 coverage
Since AARDY itself isn’t a travel insurance provider and is only a portal that lets you compare insurance from many companies, you’ll have to look into the individual insurance company before you buy your plan to see what their position is on Covid-19 coverage.
Bonus option to find and compare many different travel insurance plans at once:
Just like the other travel insurance “portals” or “aggregators” mentioned earlier, InsureMyTrip offers a convenient and efficient method to compare travel insurance plans from multiple companies all in one place.
Their platform streamlines the process, allowing you to effortlessly access and review a wide range of options, making it easier to find the perfect travel insurance coverage for your specific needs. With InsureMyTrip, securing the right protection for your journey becomes a seamless and straightforward task. It’s a great tool to simplify the process of finding the ideal travel insurance plan for your upcoming trip.
InsureMyTrip distinguishes itself with its unwavering commitment to quality. They strictly adhere to a policy of removing any plan or insurance company from their website if it receives less than 4 stars, ensuring that only top-notch options are showcased to users.
Unlike some other options mentioned earlier, InsureMyTrip is solely dedicated to travel insurance. As a result, you won’t find insurance plans tailored for expats, immigrants, or international students on their platform. This specialization allows them to provide a focused and comprehensive service, catering specifically to travelers’ needs and ensuring they receive the best available travel insurance options. It’s a platform that prioritizes excellence and is dedicated to offering the finest travel insurance choices for travelers.
But if you’re looking for a plan like this to complement your travel insurance, check out my article on the 5 Best & Cheapest Health Insurances for International Students or 5 Best International Health Insurances for Expats & Immigrants.
InsureMyTrip travel insurance and Covid-19 coverage
Since InsureMyTrip itself isn’t a travel insurance provider and is only an aggregator that lets you compare insurance from many companies, you’ll have to look into the individual insurance company before you buy your plan to see what their position is on Covid-19 coverage.
But wait….you might not even need to buy travel insurance!
Here are two sneaky ways you might be able to get “free” travel insurance 🙂
1. Buy your return flight ticket with a credit card to (maybe) get free insurance for your trip.
Depending on the type of credit card you possess, it is possible that purchasing your roundtrip flight with that card might entitle you to a complimentary basic travel insurance plan included in the purchase.
Cards from Visa, Mastercard, American Express, and Diners Club often offer this benefit. However, it is crucial to contact your card provider or visit their website to determine whether your card includes this feature and how it functions.
For trips to Europe, this free basic insurance plan can fulfill the mandatory Schengen insurance requirements.
However, it’s important to understand that the plan offered by your credit card is more of an international health insurance plan, rather than a comprehensive travel insurance plan.
This means two essential things. Firstly, the coverage will likely be limited to emergency medical care only and may not extend to treatments necessitated by sports or “risky” activities.
Secondly, unlike standard travel insurance, you won’t be covered for travel delays, lost baggage, canceled flights, or any other trip-related issues, nor will you be eligible to receive compensation for such incidents. It’s crucial to be aware of these limitations and consider supplemental travel insurance if you require broader coverage for your journey. Before making any assumptions, carefully review the terms and coverage of your credit card’s travel insurance offer to know precisely what is included.
Also keep in mind that this won’t work if you’re using miles to buy your plane ticket.* And that the maximum time limit on insurance from these types of credit cards is only 31 days. So if you’re still traveling, you’ll have to buy a regular travel insurance policy to keep yourself covered.
According to a valuable comment from blog reader Alex on the Portuguese version of this article, if you possess a Visa Platinum credit card and use the accumulated miles to pay for ticket taxes and fees, you may be eligible for their worldwide travel insurance.
However, I recommend personally verifying this information with your credit card provider since the benefits offered by the same credit cards can vary based on the countries they are issued in. Thank you, Alex, for sharing this insightful tip!
Additionally, thanks to a comment from reader Ana Luisa, I’ve learned that the Visa Platinum insurance typically provides coverage for 60 days, which is longer than the usual 30-day coverage offered by most other credit cards.
Nonetheless, if your trip exceeds this duration, it is advisable to supplement the remaining portion of your journey with a regular travel insurance policy. With the Visa Platinum insurance, you can save some money during the first two months of your trip. Always ensure you have the appropriate coverage for the entire duration of your travels to ensure a worry-free journey. It’s essential to be well-prepared and adequately covered throughout your entire trip.
2. Use your health insurance policy from your home country or country of residence.
Before we conclude, here’s one more potential option for you to consider. It involves checking with your health insurance plan provider in your home country to see if they offer any international travel insurance options.
Since you are already insured with them, you may have the opportunity to obtain cost-effective or even complimentary coverage for your travels abroad. However, it is essential to verify that their insurance will cover the specific destinations you’ll be visiting and all the activities you plan to engage in during your trip.
By exploring this option, you might find a convenient and budget-friendly way to secure the necessary travel insurance for your journey. Remember to review the terms and coverage thoroughly to ensure you have the appropriate protection for your travel needs. Safe and enjoyable travels! It’s always prudent to inquire with your existing health insurance provider as they might have suitable travel insurance options that align with your needs and can save you money on additional coverage.
A quick note about travel insurance for cruising:
Recently, someone inquired about whether any of these travel insurance plans could be used for cruise trips, so I conducted some research.
Based on the information I gathered, both WorldNomads and WorldTrips will cover you on a cruise.
WorldTrips has confirmed via email that their Atlas plan provides coverage for medical evacuation from a cruise ship if required, depending on the circumstances.
It appears that all travel insurance plans offered by WorldNomads also extend coverage to cruisers. However, please bear in mind that there is an age limit of 66 for their plans. On the other hand, WorldTrips has the advantage of not having any age limit for their coverage, making it an appealing option for older travelers.
As for the other companies mentioned, I am still awaiting confirmation from them regarding their coverage for cruisers. It’s always prudent to obtain clear and detailed information about your travel insurance options before making a decision. Safe travels, and I hope you find the perfect plan for your journey! It’s crucial to have a comprehensive understanding of your travel insurance coverage, especially when embarking on a cruise trip. Always verify the specifics with the insurance providers to ensure you have the appropriate protection throughout your cruise journey.
Fraud Warning! As previously mentioned, both WorldNomads and WorldTrips offer the flexibility of purchasing travel insurance even after you’ve begun your trip. However, it’s crucial to be cautious about potential fraudulent practices.
It’s important to understand that buying travel insurance after you’ve fallen ill or experienced an accident, in the hope of obtaining coverage for that specific incident, is not permissible. Insurance companies are aware of this possibility, and most policies contain an “anti-fraud” clause to prevent such actions. According to this clause, you can only utilize your insurance policy 48 hours after its purchase.
For instance, if you become seriously ill during your trip and decide to buy travel insurance then to cover your medical treatment, you’ll have to wait for 48 hours before your policy becomes valid for reimbursement. Furthermore, you’ll need to provide evidence to your insurance provider that the illness occurred after you purchased the policy.
However, in the case of an accident, you can use your insurance within the 48-hour window. Nevertheless, you must be able to demonstrate that the accident took place after you acquired your travel insurance plan.
To reiterate, attempting to deceive insurance companies by purchasing a policy and then swiftly seeking reimbursement for a pre-existing condition or recent incident is not a viable strategy. Insurance companies employ measures to investigate such situations and ensure they are not being deceived. So, it’s imperative to adhere to the guidelines and use travel insurance responsibly and honestly to guarantee appropriate coverage for your travels. Travel insurance is designed to protect against unforeseen incidents, not to provide coverage for pre-existing conditions or incidents that occurred before obtaining the policy.
Can I use traveling insurance while living abroad as an expat or an immigrant?
If you’re living overseas or traveling in a country for a short period, you might be okay with just travel insurance.
But you’re looking for more complete coverage (travel insurance usually just covers medical emergencies), if you’re going to be living abroad long-term, or if you need proof of health insurance for immigration purposes, then what you actually need is an international health insurance plan for expats or immigrants.
If you’d like to learn more about the differences between travel insurance and international health insurance, then you can take a look at our article about the 3 Best International Health Insurance for Expats & Immigrants.
Or, you can quote directly with some of these expat insurance companies here:
Can I use travel insurance during my international exchange or while studying abroad?
In conclusion, whether you need a separate insurance plan for your study abroad depends on your specific circumstances. My advice is to first verify with your school or university. Generally, if your course or program lasts for less than 3 months, and you’ll be studying on a tourist visa, a travel insurance policy should be sufficient for your needs.
However, it’s essential to confirm this information with your educational institution to ensure you have the appropriate insurance coverage during your study period. Always check with your school or university to understand their insurance requirements for study abroad programs, as they may have specific guidelines and recommendations to ensure you have the necessary coverage while studying abroad.
However, if you’ll be needing a student visa, then you’re going to need a health insurance plan that’s designed just for international students or exchanges.
This becomes particularly significant if you’re traveling to the United States with a J1, J2, or F1 visa, or to Europe with a Schengen student visa. In these instances, having the appropriate insurance coverage is paramount to meet the specific requirements of these visas and ensure a seamless and trouble-free study abroad experience. Being well-prepared and having the right insurance in place is essential to comply with the visa regulations of your study destination, as it can significantly impact your eligibility and overall experience while studying abroad.
If you’re an international student and think you might need one of these special medical insurance plans, then take a look at my page with The 3 Best and Cheapest Health Insurances for International Students & Exchanges to learn more.
Again, you can check out directly some of these international student insurance companies here:
International travel insurance coverage for terrorism
I’ve had a few comments in both the English and the Portuguese article asking if travel insurance covers acts of terrorism.
I did a bit of research, and here’s what I found out:
Although WorldTrip’s basic travel insurance plan doesn’t cover terrorism, their Atlas Premium plan DOES cover “treatment of injuries and illnesses relating from an act of terrorism, up to the limit set forth in the schedule of benefits and limits.” So yes, they do appear to have terrorism coverage.
If you ever find yourself in the unfortunate situation of being injured in a terrorist event while traveling, having WorldTrip’s Atlas Premium plan can provide essential coverage. This plan is designed to offer protection during unforeseen circumstances, providing you with a crucial safety net during challenging times.
Additionally, many of WorldTrip’s plans include a valuable “Crisis Response Cover,” which extends protection in the event of civil or political unrest, natural disasters, or other crises that travelers may encounter abroad. This comprehensive coverage even includes scenarios of “express kidnapping,” covering response expenses, ransom, and personal belongings surrendered.
It’s worth noting that while the “Crisis Response” feature is highly beneficial, it may not be available in certain countries. These countries include Iraq, Afghanistan, Pakistan, Nigeria, Somalia, Venezuela, Iran, Cuba, Sudan, and North Korea. However, in most of these countries, your regular travel insurance coverage will still remain valid, minus the specific “crisis” aspect of the coverage.
As always, carefully review the terms and conditions of your insurance policy to fully comprehend the extent of coverage and any limitations concerning your travel destination. Travel insurance serves as a vital safeguard, offering peace of mind and security throughout your journeys. WorldTrip’s Atlas Premium plan provides valuable protection during unforeseen events, and their Crisis Response Cover adds an extra layer of security for travelers facing challenging situations while abroad. Be sure to check the availability of the Crisis Response feature in your intended travel destination and have a comprehensive understanding of your coverage to travel with confidence and peace of mind.
General tips to help you get back your travel insurance reimbursement:
All the travel insurance companies I recommended above have extensive networks of hospitals, clinics, and doctors. The best approach is to seek treatment at one of these in-network facilities.
By doing so, you won’t be required to pay anything out of pocket, as the treatment bill will be directly submitted to the insurer for payment (unless the treatment surpasses the maximum coverage amount).
For this reason, in the event of any unexpected circumstances such as illness or an accident, it is crucial to promptly contact your travel insurance provider. They will guide you on which in-network doctor or hospital to visit for seeking treatment.
In situations where accessing an in-network medical provider is not possible, you’ll have to pay for the treatment upfront and then apply for reimbursement from the insurance company later on.
As you may know, dealing with insurance companies, whether for cars, homes, health, or travel, can be a bit challenging, and they often require precise documentation before releasing payments.
To assist you in the process, here’s a list of the documents that travel insurance companies typically request when you file a claim to seek reimbursement for medical expenses incurred during your trip: [List of required documents]. Providing the necessary documentation in a well-organized manner can expedite the reimbursement process and ensure a smoother experience with the insurance company.
But first, a few insurance terms to cover:
*make a claim: ask an insurance company for reimbursement for medical expenses
*insurer: the travel insurance company
*beneficiary = claimant = the insured: the person (you) who is asking the insurance company for money/reimbursement
List of documents usually requested by travel insurance policies when you seek reimbursement for medical expenses (if you were treated by an out-of-network provider):
- Copy of the claimant’s national ID (driver’s license or other state-issued ID)
- Copy of Proof of Residency (any current proof – from the last 3 months – with the name of the claimant). If you don’t have this, send a declaration of residence that is completed, signed, and notarized by the insurer.
- For minors, a declaration of residence must be completed, signed, and notarized by the respective legal guardian (form provided by the insurer)
- Copy of the claimant’s voucher
- Original registration information form, signed by the beneficiary (form provided by the insurer)
- Copy of passport (ID page + page with entrance and exit stamps from the country where the accident happened) or other documentation that shows beneficiary was outside of habitual domicile when an accident happened (aka your home country) – for example: airplane tickets (by the way, you should always keep your boarding pass until the end of your trip, not only for filing a possible claim but also request your miles!)
- Presentation of the original medical report with descriptions of the procedures, provided by the health professional or medical center with a clear indication of the diagnosis, clinical history, and admission form, in the case of hospitalization
- Original prescription (if the pharmacy still has the prescription, send your x-ray or a document showing you picked up your medicine in exchange for the prescription)
- Invoice of the medical procedures or the pharmacy receipt with medications prescribed, which should match the quality and quantity of the provided prescription
- Report of medical care (explaining the reason, what happened and how the treatment went – both from the travel insurance staff as well the health providers), written by the beneficiary
- A completed list of expenses (form provided by the insurer)
- Your contact phone number, address, and e-mail
- Proof of bank info (copy of bank statement header, check, or debit card)
And here’s the most inconvenient part – you’ll likely have to send all of these documents physically by mail!
I understand; it’s a significant inconvenience. That’s why it’s so much easier if you can receive treatment from a medical provider within your insurance company’s network. This way, you can avoid the wasted time and headaches of preparing all the paperwork.
However, if you find yourself with no other option, going through the reimbursement process isn’t the end of the world. With a bit of organization and ensuring that you have all the required documents in order, your chances of successfully filing your claim and receiving a prompt reimbursement are quite promising!
If you’ve had to make a claim before, please share your experience and any helpful tips in the comments section below to assist other readers. Your insights can be valuable in navigating the claims process and ensuring a smoother experience for others.
To summarize, these as the best travel insurance companies for the Mexico:
- World Nomads Travel Insurance
- Safety Wing
My final advice:
Absolutely, without a doubt!
Having comprehensive travel insurance is an absolute necessity, especially for adventurous travelers like myself, who often participate in activities that come with higher risks of injury and potential medical expenses.
Throughout my journeys, I’m constantly seeking thrilling pursuits such as mountain hiking, climbing, jumping, diving, and exploring everything that defines a perfect adventure!
Let’s envision a scenario: picture yourself snowboarding in Switzerland without travel insurance, and unfortunately, you sustain an injury on the mountain, necessitating a helicopter evacuation. Just glancing at the medical bill while lying in your hospital bed would likely be enough to induce a panic attack!
But here’s the reality: acquiring travel insurance is a wise decision, regardless of your travel destination.
During my travels, I’ve encountered numerous backpackers sporting the infamous “Thai Tattoo” – sizable scars on their legs caused by burns from scooter exhaust pipes in Thailand!
And honestly, do you really want to find yourself in a public hospital in the heart of Bangkok?!?! With travel insurance, you have the option to choose a private hospital where you’ll undoubtedly receive superior care. So, why take unnecessary risks? Ensure you’re covered and relish your trip to the fullest!
Importantly, don’t forget to acquire travel insurance before your trip! If you’re already on the road and haven’t purchased insurance, make it a priority to do so as soon as possible. And if you’ve already secured a policy but need to extend it (which WorldNomads and WorldTrips allow), ensure you do it before it expires.
This way, you’ll have the peace of mind of knowing you’re covered for the entirety of your journey to Mexico.
Now, it’s your turn. Have you had any experiences with travel insurance? Have you ever needed to use your policy? If so, which company did you use, and how was the claims process? Or do you still have any questions about travel insurance in general?
Share your thoughts in the comments section below, and I’ll be sure to respond!
Wishing you safe and happy travels! (And let’s hope you never have to use that travel insurance plan you just purchased!)
Planning your next trip?
Already reserved your hotel or hostel? If not, we recommend Booking.com. They have a huge selection of hotels and hostels all over the world. Plus, in most cases, you can cancel your reservation without any costs up to a few days before the check-in date!
Still haven’t booked your plane ticket and want to save big? Take a look at Momondo. It’s a flight aggregator that combines several other ticket search websites to make it easier for you to compare prices and make sure you are getting the best deal.
And finally, will you need to rent a car during your trip? Then check out Rentalcar.com to search and compare car rental companies from all over the world in a single website. Then, you can find the cheapest price for the best car!