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 obtain Mexican insurance. The best way to do this is online as you can see different sources 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 legitimate by looking up their contact information, preferably one that includes a customer service line and a valid state insurance license number. Don’t be afraid to call if you are suspicious, or check your 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, security, and peace of mind.
Make sure that the Mexican insurance company you choose is trustworthy 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 services, you must first invest in health insurance. The costs of a major injury, no matter what the cause, can be very high, and the quality of care can be unknown. Insurance with a Mexican company should ensure that you receive immediate private medical attention in emergencies and can arrange a flight home in life-threatening situations.
Some medical insurance will only cover emergencies and will cover you based on where you are. Fill in the gaps and don’t get caught off guard. Read the contract and make sure you are covered for emergency care, ongoing medical assistance as needed, and life-saving evacuation. Make sure your coverage is not dropped based on the cause of the injury or any participation restrictions such 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 since you must travel insured and in case of accidents jail is the temporary solution until the matter is clarified. It goes without saying that legal coverage is a must, as you may find yourself in other legal situations that will be frustrating and costly if you are not covered. The company you choose should cover accidents regardless of who caused the accident, that is, it should have liability coverage in the unfortunate event that you are at fault. Also, make sure repairs and replacement parts are covered. Mexican vehicle insurance should include assistance on the road and in case of theft of the car (or any other) if you are taking a road trip; loss coverage and a way back home, most effectively in the form of airline tickets.
The Mexican insurance you choose in the end should cover you from the beginning of the trip until the moment you leave Mexico. It is often found that some policies will cover you for a limited period of time and no more should you extend your trip, so make sure the restriction is not in your contract. You should be able to extend your stay with the security of insurance in Mexico and not have to 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 assist you in these cases as they usually occur unexpectedly.
Mexican insurance companies differ in their amount of coverage and limitations, and ultimately the package you choose should be tailor-made for the type of trip you want to have.
Here is a list of some of the information you will need to buy Mexican insurance online:
- travel dates
- Full names of all drivers.
- Driver’s license numbers and date of birth
- Make, model, year, and vehicle identification number (VIN) of the vehicle
- Vehicle bond holder contact information if there is a loan
- Vehicle value (check with Kelly Blue Book)
- Current insurance policy information
- Contact email and phone number
The essential still remains; Unless you are being driven around during your stay, car insurance is important. What you can’t do without is health insurance and car insurance, so make them your first priority and make them part of your travel budget. And above all, your Mexican insurance policy must offer you a good price, sufficient coverage and excellent customer service so that your only concern is to have a good time.