The Importance of Mexico Home & Condo Insurance

The Importance of Mexico Home & Condo Insurance

You would be surprised that many new home & condo buyers in Mexico neglect to insure their investment the day they take possession of their most valuable asset in Mexico. When purchasing a home or condo in Mexico Insuring your investment is just as important in Mexico as it is in the United States or Canada. The same exposures and more exist in Mexico as they do in any other part of the world.

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Insuring your property in Mexico should be part of your budget when planning to invest in Mexico. Securing the insurance for your home or condo in Mexico is not as difficult as it used to be even 5 years ago. Policies can now be found written in English or at least provided in English as a courtesy translation. Insuring your property will mitigate your out of pocket exposure in the event of an unforeseen loss that causes damage to your home or condo in Mexico.

Purchasing Mexico Home & Condo insurance can be frustrating if you are not working with an experienced insurance agency that is licensed and has the knowledge of this constantly changing marketplace. Most carriers in Mexico provide catastrophic perils such as Hurricane, Tsunami, Flood and Earthquake, just to name a few. These insurance companies that will write catastrophic coverage in Mexico will have different underwriting guidelines and requirements that must be met in order for them to accept coverage.

All Mexico Insurance carriers have different appetites for the type of business they want to underwrite. These are some of the underwriting requirements from various companies.

1) Is your Property Location More or Less than 550 Yards from ANY body of water?

2) Are ALL the openings of your Home or Condo equipped with professionally made Storm Shutters approved by Miami Dade or an accepted Florida Building Code?

3) Is your Property Replacement Value More or Less than $500,000 USD?

When researching what insurance agency to work with that will assist in writing your Mexico Home or Condo Insurance policy, be sure you find an insurance agent that understands the changing Mexico insurance environment, be sure to ask the right questions and most importantly be sure that your insurance agent is asking you all the right questions about your property. If your property is not properly written on the insurance policy and you have a loss then your insurance carrier can deny your claim.

West Coast Mexico Insurance provides a personal approach to data collecting from their clients. They have created an online Mexico Home & Condo insurance application that asks all the right questions, so your property is insured correctly. Mexico home insurance that looks and feels like a US home policy written in English with clear deductible options and competitive pricing.

For most individuals we are talking about their most valuable asset in Mexico, which is why making sure you are Protected from the Unexpected is West Coast Mexico Insurance’s number one Priority.

This article is brought to you by our affiliate West Coast México Insurance 

Protecting Clients Assets & Health in Mexico since 2004!”

Contact Jason Wagner for more information @ Jason@InsureMeWC.com

A Quick Visit to Lake Chapala, Jalisco, Mexico – I’ll Be Back!

Jocotepec, Lake Chapala

Nearly a decade ago I was told of a place with perfect weather and a community that was said to be the largest accumulation of American expats in the world.  For many years since I have been flying in and out of Guadalajara confined by a time schedule that never allowed me to take the short trip south to visit this destination.  But last week’s trip was different and after saying goodbye to my group at the Guadalajara International Airport I drove thirty minutes south and ended up on the north shore of Mexico’s largest lake, Chapala.

 

Read more at http://mexico-visitor.blogspot.com/2015/06/a-quick-visit-to-lake-chapala-jalisco.html

The famous Cinco de Mayo forts of Puebla

Many people know of Cinco de Mayo, but most don’t know why they are celebrating other than having a margarita or tequila shot. In fact, most people outside of Mexico think Cinco de Mayo is Mexican Independence Day, it’s not……. read more at http://mexico-visitor.blogspot.com/2015/04/the-famous-cinco-de-mayo-fort-of-puebla.html

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A visit to the dentist in Rocky Point, Sonora

On recent trip to Mexico I had the good fortune of being introduced to Dra. Angela Acuna at Rocky Smiles Health Center just outside of Puerto Penasco (also known as Rocky Point) on the very north end of the Sea of Cortez. It wasn’t my first trip to a Mexican dentist and it won’t be my last. In fact I plan to travel the short five hour drive from San Diego to that little slice of desert paradise whenever any future dental work is needed. It was without a doubt the most unique and pleasant experience I have ever had at a dentist and for once in my life I look forward to the follow up work that my mouth needs.

Dentist in Rocky Point
This dental experience was unique in the fact that finding the place of business wasn’t so much difficult but when I did drive up on Dra. Angela’s facility it was as if I was walking into a home. The walk from the dirt road goes through a gate then instantly you are calmed by clean white walls, flowers and succulents that decorate and perfectly adorn the entrance. Once inside there is a waiting room and a front desk but you may still think you are in somebody’s home. I have a tendency to let anxiety creep into my brain when just the thought of going to a dentist is imminent but from the street to the front desk all anxiety was dismantled, it was as if I was going to visit a friend that was there to look at my teeth, a friend I had never met.
Now don’t get me wrong, Rocky Smiles is an extremely professional operation and Dra. Angela’s many dental certificates and awards hang in frames neatly on the wall but the place is just so calming. This place is a far cry from the structured minimalist, stainless steel facilities in the US, and I liked it.
I had arrived a little early and while I waited I met a very nice woman from Arizona. She and her husband were retired and vacationed in Rocky Point often for the last 20 years. Fifteen years ago the husband had broken a tooth here on a Saturday and by Sunday the gentleman a permanent crown. A crown that had been manufactured in Dr. Angela’s lab which is conveniently located on the property. A decade and a half later that crown is still in place and they praise the work, returning again and again in full boycott of US dentists and the exorbitant prices of which they demand.
I was there for a teeth cleaning and to take inventory as to what ten years of dental neglect had in store for me. I won’t go into the long list of what was needed but I will say that when it was all added up, nearly twelve items, it was two thirds the cost of what I would expect to pay in San Diego. In fact it would be cheaper and faster to set myself up in a luxury resort on the outskirts of town for a week and have it all taken care of recovering daily in the desert sun, lounging on the beach or near a vanishing edge pool. Of course this is the future plan.
It took about 20 minutes for my teeth cleaning and the procedure was painless and efficient and I couldn’t have been more pleased with the entire experience. When she was finished I almost expected an offer to join her and her family for dinner. Well I didn’t get an offer for dinner but I did get an offer to return and have some or all of my dental needs handled all under one roof any day of the week.

If you or anyone you know are looking for dental work I couldn’t recommend more highly the services of Dra. Angela Acuna, her staff and her pleasant Rocky Smiles facility.
For more information and to check out all the extremely positive praise Dra Angela receives, connect via email at dra_angelaar@hotmail.com or to this link http://mexicodental.co/rocky-smiles-health-center

About the writer: Lencho is a freelance travel adventure writer with a genuine love and curiosity of the world with a particular affinity for Latin American cultures, people, food, wild spaces, urban places and a seeker of human smiles and laughter. Look for his posts from time to time. Lencho.MexicoVisitor@gmail.com

Mexico Travel Medical Insurance Protection

Why it is so important to have an accident & illness plan in place in the event of a medical emergency

When traveling or living in Mexico, many people never take the time to consider what will happen in the case of an emergency or a sudden illness. The healthcare coverage that you have in the United States or Canada is often not valid when traveling to other countries.. Before traveling one needs to determine the type of coverage they currently have in place and if they aren’t covered internationally, they need to make sure they get a travel medical insurance that will cover them when in Mexico or a foreign country.

Obtaining travel health insurance protection can be quite inexpensive, especially when compared to having to use your credit card in the case of an illness or injury. When traveling, using a credit card can cause you to pay extremely large amounts for medical care when outside of the United States. Another issue with using a credit card for medical expenses is that if you did not use your card when you originally booked your travel, there is a chance that you won’t be able to use it to obtain medical assistance either.

When looking at International healthcare policies, there are a few things that you really need to make sure will be included in the policy. The first thing you need to make sure you have in place is an accident and illness policy. Be sure that you secure at least $100,000.00 USD of Medical Benefits per person in your family. Most policies will protect up to $1Million depending on age limitations.

In April 2014, a 66 year old women who was in Southern Baja slipped down some stairs and broke her hip. She was rushed to a nearby hospital where an air evacuation was coordinated. The cost of the air evacuation was $62,000.00 USD to California. The travel medical policy she secured with West Coast Insurance Services paid for all the expenses related to this injury. When on vacation or spending long periods of time out of your home country, you never know when an accident such as this could happen, and to be prepared and protect yourself is a must regardless of the amount of time you are away.

You may be walking into your hotel and slip on the sidewalk. A small slip can cause something as catastrophic as breaking your leg or color bone. In any type of accident, you need to make sure that you have adequate health coverage in place to cover you for anything that can possibly happen. Food poising is common when traveling abroad and having insurance protection will safe guard from unexpected expenses.

Some people have lived through virtual travel nightmares that were caused by accidents. A travel agent who was used to making sure her clients were told extensively about obtaining travel insurance and the importance of it was recently on a cruise with her family and in all of the excitement of getting prepared to go, she forgot all about signing up for travel medical insurance.

The woman and her minor children had left the cruise ship while docked for excursions on the island. They rented scooters and during a scooter ride, the woman crashed her scooter while driving and she ended up with temporary amnesia, serious cuts to her face, as well as a broken leg. Since she did not have insurance that would cover her while in Mexico, the physicians took photos of her facial injuries and sent them to her husband back in the United States.

They essentially demanded money just as one would see in a hostage situation, from her husband. They also did not give the woman much needed fluids, pain medicine or antibiotics. She laid in a hospital bed in pain and unable to pay for proper medical care. On top of this, her minor children were essentially sent away on their own to figure out how to get back to the cruise ship. This woman’s life was turned upside down by simply not making sure that she had travel medical insurance before she left for her vacation.

Safe guard yourself & your loved ones with a travel medical insurance policy that includes air evacuation. With no restrictions on nationality, it is no longer just an option but instead, this protection is a necessity to ensure that you and your family are fully protected when you are traveling or living abroad in Mexico.

You would be surprised at how little this protection costs for the amount of financial security you will receive for your travels internationally. There are single trip policies that can be purchased or if you are a frequent traveler with multiple trips out of your home country in a year period there are the multi trip annual plans. International insurance companies looking after your best interest and safe guard your health and pocket book in the event of the unforeseen.

Editor’s note: We thank West Coast Insurance Services for writing this article and clearing up some of the questions about medical insurance for vacationers and retirees in Mexico.

The Doors of Isla Mujeres

A recent visit to Isla Mujeres off of the beaches of Cancun led to these photos of the unique doors (and windows) on this Mexican Caribbean island. Take a look at what we found (click here for full story: http://mexico-visitor.blogspot.com/2014/07/the-doors-of-isla-mujeres.html). If you would like to know more about Isla Mujeres, please go to http://www.mexonline.com/mujeres.htm

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Going To The Circus In Mexico

 

Knife thrower in the Mexican circus

Knife thrower in the Mexican circus

“Olguin Hermanos Circus, Another Mexican Delight”
Story and photos by Hank Duckman

It was during the rainy season a number of years ago. The Olguin Hermanos Circus was performing in a small Mexican village. Although the daily downfalls had been heavy, the tent and rigging were up and the show was going on. It seemed to Rafael Morales Alvarado that the water level in and around the big top was a couple of inches deep. As he came into the ring to perform the knife-throwing act he had been perfecting for years, he saw spectators sitting with their feet in deep puddles of water. Some of the lights had shorted out and the sound system was working erratically. He had given his hands an extra dousing of alcohol for its drying effect so as not to lose control of the knives and axes he hurls towards a large disc-shaped wooden panel with his wife attached to the middle of it whirling around in a circle.

There were no accidents that day. The audience gave him one of his biggest ovations. He says that one of the rewards of being a circus performer is knowing the people in the audience are eager to see what the circus has to offer and receiving their demonstration of appreciation.

Rafael is a true “cirquero”, having been born into the circus. He is forty-eight years old but looks younger. He is about five feet seven inches tall. When he comes out to perform he appears taller with black shoulder length hair that flows straight down the back of his neck over a headband, reminiscent of U.S. native American style. His parents and grandparents were also “cirqueros”.

He met his wife twenty-five years ago in a small village where he was performing with the circus and they started a courtship. She was not of the circus. After they married, she went off with him and has been with him and the circus for the last twenty-three years. In addition to being part of the knife-throwing act, she sells snacks and trinkets before the circus begins and during the intermission. Three of their children also perform with the circus. Rafael, eighteen years old, and his younger brother Jesus, eleven, are trampoline artists. Their sister performs a gymnastic contorsionist act.

For the rest of the article, please click on http://www.mexonline.com/amigonews/feature-circus.htm