Travel Medical Insurance for Extended Stays in Mexico

When you’re staying in Mexico for extended periods, for example if you overwinter or go back and forth for extended stays throughout the year, your home country’s medical insurance plan is unlikely to provide some or any coverage for medical emergencies you may have while you’re in Mexico.

This article describes what a travel medical insurance plan is, and how you can use this type of insurance to obtain coverage when you’re in Mexico for shorter trips and extended stays not lasting more than 180 days.

What is a travel medical insurance plan?

Most trip protection insurance plans limit coverage to a maximum of 90 calendar days —three months— and if you stay over this, the insurance plan’s cover ceases to continue.

If you stay, or intend to stay, in Mexico for longer than three months, then an extended stay travel medical plan will cover you in Mexico for up to 180 days (6 months), and provide emergency medical expense coverage, including medically-warranted evacuation, during that time.

Our associate offers extended stay travel medical insurance plans to protect you from the costs of unexpected medical emergencies while you’re in Mexico.

What an extended stay travel medical plan covers

• Unexpected medical expenses while you’re on an extended stay in Mexico not exceeding 180 days.
• Emergency medical expense coverage in Mexico for physician’s fees, lab/x-rays, prescriptions, anesthetics, clinic/hospital costs up to US$100,000. Coverage for emergency dental expenses is also included up to US$750.
• Medically-warranted emergency evacuation to a hospital of your choice and covering up to US$500,000 of medical evacuation costs. Includes transporting a visitor from abroad to join you, and repatriation of minors.
• The plan extends coverage beyond Mexico to nearly all countries when you travel.
• If you unexpectedly pass away in Mexico, this insurance plans covers the cost of repatriation of your mortal remains.
• This plan does not cover prepaid trip costs (flights, hotels, cruises, tours & excursions, etc.) that you would typically find in a single-trip comprehensive protection plan.
• Premiums are based on the number of days you intend to stay in Mexico (maximum 180 days).
• Coverage limitations apply—terms are clearly provided by our associate, TME Insurance, when you get a no-obligation quote.

Is travel medical insurance plan right for me?

This plan is ideal for those who visit Mexico for extended stays up to 180 days and primarily seek protection from unexpected medical emergencies, with medically-warranted evacuation, and without seeking coverage for trip interruptions and other non-medical benefits that single-trip insurance typically offers.

If you take single trips or short visits to Mexico that will not last more than 90 days (three months), consider opting for short-term visit coverage options which offer emergency medical expense coverages in Mexico, trip-protection if your voyage is cancelled or interrupted in some ways, as well as medically-warranted evacuation to the nearest suitable facility.

If you live or stay in Mexico for over 180 consecutive days and have a medical plan that covers you in your home country, a Medical Evacuation plan for longer-term stays might suit your situation.