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.