The first and most sensible thing to do when considering travelling to Mexico is to get Mexican insurance. The best way to do this is online as you can view 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 use is legitimate by finding their contact information, preferably including a customer care line, and a valid state insurance license number. Do not be afraid to call if you are suspicious, or review their license number for complaints, it may save you more than just money. There are a few things that you have to know when attempting 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 foremost points in any insurance policy. Because of the exclusivity of the medical system in Mexico, where travelers or foreigners cannot access free public healthcare services, you will need to invest in medical insurance first. The costs of major injury no matter what the cause could be very high and the quality of care may be unknown. Insurance with a Mexican company should ensure that you receive immediate private healthcare in cases of emergency and be able to arrange a flight home in life threatening situations.
Some medical insurance will only include emergencies and will cover you according to the location you are in. Fill in the gaps and do not get caught off guard. Go through the contract and make sure you are covered to receive emergency care, continued medical assistance as needed and evacuation for life saving purposes. Make sure that your coverage will not be withdrawn according to the cause of injury or any such participation restrictions like alcohol, adventure or high risk holiday activities.
Motor vehicle or travel insurance is also a serious consideration with Mexican insurance. This is very important as you should travel insured and in the case of accidents, jail is the temporary solution until matters are cleared up. Needless to say that legal coverage is a must as you may find yourself in other legal situations that will prove frustrating and expensive if you are not covered. The company you choose should cover for accidents regardless of who caused the accident, that is to say, you should have liability coverage in the unfortunate event that you are at fault. Also, make sure that repairs and replacement parts are covered. Mexican vehicle insurance should include road side assistance and in the case of car (or any) theft if you are taking a road trip; a coverage for losses and a way back home, most effective in the form of flight tickets.
The Mexican insurance you choose in the end should cover you from the beginning of the trip to the moment you exit Mexico. It is often found that some policies will cover you for a limited time period and no more should you 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 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 present in an unforeseen manner.
Mexican Insurance companies differ in their amount of coverage and limitations and ultimately, the package you choose should be tailor-made for the kind of trip that you want to have.
Here is a list of some of the information you will need to buy Mexican insurance online:
- Dates of travel
- Complete names of all drivers
- Drivers license numbers and date of births
- Vehicle make, model, year and vehicle identification number (VIN)
- Vehicle lien holder contact information if there is a loan
- Value of vehicle (check with Kelly Blue Book)
- Current insurance policy information
- Contact email, and phone number
The essentials still remain; unless you will be driven around during your stay, car insurance is important. What you cannot do without is medical insurance and car insurance so make them your first priority and make them a part of your trip budget. And above all, your Mexican insurance policy should offer you a great price, enough coverage, and excellent customer service so that all you worry about is having a good time.