Best Travel Insurance Mexico: Costs and Tips

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Martí Micolau
@martimicolau
SOURCES CONSULTED:

wikipedia.org, lonelyplanet.com

Author and references

Although it is not mandatory in all countries, taking out health insurance before departure is essential to prevent the risk to spend, or to be able to lose, a lot of money in the event of an accident, flight delay, loss of luggage or even cancellation of the trip. Depending on the destination, the reason for the trip and your needs, you can choose the policy in a personalized way.
Here are some of the best travel insurance for Mexico.


Index

  1. Heyworld
  2. Columbus
  3. Intermundial
  4. Europe Assistance
  5. Axa Assistance
  6. Price comparison
  7. Is travel insurance in Mexico mandatory?
  8. Why do health insurance: risks and dangers
  9. How to choose travel insurance
  10. User questions and comments

Heyworld

It is a travel insurance that provides the 100% refund of the cost of the policy within one month of stipulation. Furthermore, all the guarantees are extended to each traveler indicated in the policy. Among the strengths, there is the possibility of not advancing any amount of money, by calling theassistance h 24, also via Whatsapp or App. Among the policies:


  • Peace of mind travel, with a ceiling for medical expenses of 2.000.000, but with unlimited services such as sending medicines, transport or medical return.
  • Travel Top, the policy which, in addition to health guarantees, also includes a baggage allowance of € 500,00 and an advance on legal fees.
  • Premium travel, in addition to including travel cancellation coverage of up to € 1.500, it also extends the application of medical expenses, such as for dental visits.

Columbus

This insurance provides unlimited medical expenses and a '24 hour assistance, 7 days a week, even with a telephone interpreter. Among the strengths, repatriation always included and free up to 7 years. Among the policies:



  • Help, the basic policy which provides only the coverage of medical expenses, but unlimited, and the eventual payment of the extended stay, even for a family member.
  • Baggage Assistance, in addition to medical guarantees, it also adds reimbursement of up to € 1.500 for lost luggage and civil liability for personal injury.
  • Assistance Baggage Cancellation, the most complete, which also includes travel cancellation coverage and legal protection, as well as early return up to € 2.000,00 per person.

Intermundial

The policies are distinguished by a excellent value for money and for their ease in stipulation. It's comprehensive insurance, that provides for various cases of applicability, to be very personal, for example:

  • Totaltravel Mini, which represents the essential for a safe journey. It provides international medical assistance 24 hours a day, in all countries of the world, without exception. It is recommended for trips of up to 24 days.
  • Totaltravel, a complete protection that includes, in addition to the ceiling of € 500.000,00 for medical expenses, also the loss of baggage. Suitable for trips up to 90 days.

Europe Assistance

Among the pluses of Europe Assistance there is thehealth care without limits or ceilings. Offers a wide range of policies which contemplate different targets and opportunities for applicability, to ensure that they can be highly customizable, among others:

  • Travel NoStop Vacation, which guarantees health care 24 hours a day, bearing all necessary costs, including hospital and pharmaceutical costs.
  • Traveler Generation, dedicated to the under 35s around the world, which is characterized by its ability to receive assistance also through social networks. Includes direct payment of medical bills.
  • NoStop Family Travel, reserved for families, as it provides economic benefits for families with children under 29. Children up to 2 years are free.

Axa Assistance

It is known for being the first insurance brand in the world, with an excellent reputation among underwriters. They are part of the strengths of company one international medical network and the possibility of assistance of relatives at home and in their own home. among the possible policies:



  • Basic Protection, ideal for short trips in Europe, it provides comprehensive health care, such as sending an ambulance or a doctor, or the travel of a family member in case of hospitalization. It does not cover damage to luggage.
  • Medium Protection, suitable for travel within countries that require high healthcare costs. The coverage limits, in fact, are up to € 500.000,00 and in addition, assistance is also provided for family members who have stayed at home and the protection of their home while traveling.
  • Total Screen, suitable for the most demanding travelers, who want complete protection anywhere in the world. With the exception of cancellation, in fact, coverage for accidents, personal injury and reimbursement for damage to luggage are also included.

Price comparison

Below is a comparative table of prices for the stipulation of travel policies.

NB: Prices are intended for an adult basic policy without previous illnesses


Is travel insurance in Mexico mandatory?

Mexico is not among the countries that compulsorily requires the stipulation of an insurance policy for entry; however, a 'health insurance is strongly advised, as any expenses incurred are not part of our health system, as can be the case in the rest of Europe. Furthermore, since it is often a trip that can include several airports, it is also interesting to provide for the compensation clause in the event of damage or loss of luggage.


Why do health insurance: risks and dangers

Mexico does not present any particular health risks, as there are no endemic diseases. However, it is always advisable to take out health insurance for protect yourself from:

  • accidents;
  • any medical visits for health problems that may arise;
  • accidents that can occur while driving or while playing sports.

How to choose travel insurance

The choice of insurance is primarily based on the country we are going to go to, and on the type of trip we intend to make (if, for example, it also includes frequent sports activities). The health system of the country of reference will allow us to choose an insurance with the appropriate limits.

  • Amount of the ceiling and any deductible
  • Theft or loss of luggage coverage
  • Whether or not there is compensation for injury / death / disability
  • Presence or not of compensation in case of delays: delays in the departure and / or arrival of means of transport, and / or loss of means
  • Presence of any reimbursement for unused holidays
  • Terms of direct payment and advance expenses
  • Conditions for returning home


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