Mexican Insurance – What Information Do I Need to Buy Mexican Insurance?

The first and most sensible thing to do when considering traveling to Mexico is to purchase Mexican insurance. The best way to do this is online as you can check out various resources and get Mexican insurance quotes from many Mexican insurance companies. This allows you to compare quotes and get the best possible coverage. Make sure the website you are using is legit by finding their contact information, preferably including a customer service line, and a valid state insurance license number. Don’t be afraid to call if you’re suspicious, or check their license number for complaints, it can save you more than just money. There are a few things to know when trying to buy Mexican insurance for your safety, protection and peace of mind.

Make sure that the Mexican insurance company you choose is reliable and provides you with the necessary coverage. Medical insurance is one of the most important points in any insurance policy. Due to the exclusivity of the medical system in Mexico, where travelers or foreigners cannot access free public health care, you must first invest in medical insurance. The cost of serious injury, regardless of cause, can be very high and the quality of care may be unknown. Insurance with a Mexican company should ensure that you receive immediate private health care in an emergency and can arrange a flight home in life-threatening situations.

Some medical insurance plans only cover emergencies and cover you based on where you are. Fill in the gaps and don’t be caught off guard. Go through the contract and make sure you are covered for emergency care, ongoing medical assistance if needed, and evacuation for life-saving purposes. Please ensure that your coverage is not withdrawn based on the cause of the injury or such eligibility restrictions as alcohol, adventure or high risk vacation activities.

Motor vehicle or travel insurance is also a serious consideration with Mexican insurance. This is very important as you have to travel insured and in case of accidents the prison is the temporary solution until things are cleared up. Needless to say, legal coverage is a must as you could find yourself in other legal situations that will be frustrating and expensive if you are not covered. The company you choose should cover accidents regardless of who caused the accident i.e. you should have liability coverage in the unfortunate event that you default. Also make sure repairs and replacement parts are covered. Mexican car insurance should include roadside assistance and in the event of car theft (or any) theft while on a road trip; a cover for losses and a way back home, most effectively in the form of airfare.

The Mexican insurance you ultimately choose should cover you from the start of the trip until you leave Mexico. It is often found that some policies will cover you for a limited period of time and you will no longer need to extend your trip, so make sure that restriction is not in your contract. You should be able to extend your stay with the security of insurance in Mexico and not worry about latent periods or worse; no coverage at all. Another useful piece of information is cancellations or delays. Your insurance should be able to help you in these cases as they usually occur in an unforeseen way.

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Mexican insurance companies differ in their amount of coverage and limitations and ultimately the package you choose should be tailored for the type of trip you want to have.

Here is a list of some of the information you need to buy Mexican insurance online:

  1. Travel dates
  2. Full names of all drivers
  3. Driver’s license numbers and date of birth
  4. Vehicle make, model, year and vehicle identification number (VIN)
  5. Contact details of the vehicle right holder if there is a loan
  6. Value of the vehicle (check with Kelly Blue Book)
  7. Current insurance policy information
  8. Email address and phone number for contact

The essence remains; unless you are being driven around during your stay, car insurance is important. What you can’t live without is health insurance and auto insurance, so make them your top priority and make them part of your travel budget. And most importantly, your Mexican insurance policy should provide you with a great price, ample coverage, and excellent customer service so that all you have to worry about is having fun.