International Health Insurance Options for Travel to Mexico

By: Roxanna McDade

Travel to Mexico can be an exciting adventure, but it can also bring many unpredictable situations. If your clients need medical care while traveling to Mexico, International Travel Health Insurance is available for their Mexico trip through International Insurance Group, Inc. (IIG). Our health care policies will relieve your clients of the stress of an unfamiliar culture or medical systems.

Whether your client needs individual coverage for a vacation, assignment, or group coverage for employees, there is a Mexico health insurance product that will meet their needs.

Health insurance products for travel to Mexico are designed for both US and non-US citizens, including any student traveling or living abroad.

Note: These products not only provide medical insurance coverage in the US, Canada and Mexico, but worldwide. Short-Term (or Patriot) policies are only valid for other countries, not the traveler’s home country. Long-Term (Global) policies have an option to select worldwide coverage, including a client's home country.

Short-Term International Health Insurance Products

Short Term Mexico Travel Insurance plans cover US citizens and foreign nationals needing temporary medical insurance while traveling for business or pleasure, anywhere outside their home country. A customer can purchase these policies for a minimum of five days and a maximum of 12 months. The Health Insurance policy can be renewed for up to two years after a minimum three-month policy period.

Short-term travel insurance is available for:

• International travelers
• Traveling Executives
• Travelers taking part in Extreme Sports abroad
• Students
• Non-US Citizens

With short-term medical insurance plans customers have the option to purchase an Extreme Sports Rider that provides coverage for mishaps that occur as a result athletic endeavors and foreign adventures. Short-term policies automatically include a Terrorism Rider.

Long-Term International Major Medical Plans

Long-term International travel medical insurance plans offer coverage while traveling in Mexico and other foreign countries. For an additional fee, a customer can opt to purchase coverage in both their home country and foreign countries. This works well for the businessman or woman traveling back and forth to/from their home country.

A wide variety of international clientele are covered under these policies, including expatriates, international executives, diplomats, students, entertainers and other international travelers. These policies provide long-term, worldwide medical coverage for individuals and their families.

With long-term medical insurance plans optional riders are available for an additional fee. The Extreme Sports Rider provides coverage for athletes and those partaking in foreign adventures. Injuries and illness incurred as a result of an act of Terrorism are covered under the Terrorism Rider.

Trip Cancellation / Medical Evacuation Insurance

International insurance policies are available in Mexico that will cover clients in the event of a catastrophic medical emergency. These policies include trip cancellation/interruption travel assistance. Mexico insurance policies are also available which cover emergency medical evacuation to a qualified medical facility in Mexico. These policies also provide travel and accommodation resulting from the evacuation, and travel to the country of residence.

Group Travel Mexico Medical Insurance Plans

Group Medical Insurance Plans are for groups of five or more persons traveling together to Mexico, as long as Mexico is not their home country. Group plans are available to students or cultural exchange participants, including schools. Travel insurance for Mexico is also available to missionaries and church groups of five or more who are traveling to Mexico, as long as they are not citizens of Mexico. If you work with employers who have staff that work in Mexico or abroad, they can purchase the Global Employer Option to ensure medical insurance coverage in Mexico.

Missionary Programs

Various medical insurance for Mexico options are available to Missionaries traveling abroad. These clients have the option of obtaining coverage for a minimum of 10 days to long-term, renewable policies.

Tailor the Premium to Match your Client's Budget

Premiums can be tailored to match your client's travel budget. With a wide range of deductibles and maximum benefit levels, you can create a medical insurance package that fits your client's needs and is affordable.

If you are a licensed health and life insurance agent you can sign up now to sell International Health Insurance by clicking this link.