Health Insurance in Mexico: Travel or Long Term?

Having health insurance is always a smart decision, whether you will be vacationing or are at home. You should always expect the unexpected, which is why having proper health insurance is important. Mexico vacationers and expats should make sure they have a travel or long-term health insurance policy. Do you own a vacation home in Mexico? Garza Blanca real estate is a top choice for expats who want to have a second home in Puerto Vallarta or Cabo San Lucas. Whether you plan to live full or part time in Mexico, read below to learn if you should buy travel or long term health insurance. 

Health Insurance in Mexico: Travel or Long Term?

The most important factor to think about when you are trying to decide between travel or long term health insurance is how long your stay in Mexico will be. If you are only going to be in Mexico for a week up to a couple of months, then travel health insurance should be sufficient. However, travel health insurance policies typically will only cover any accidents and sudden illnesses. If you have a second home in Mexico and you are an expat, then the long term health insurance is what you need. Buying private health insurance in Mexico is not expensive, and the hospitals and doctors can handle most needs. 

Health Insurance in Mexico Advice 

Travel health insurance will generally cover emergency expenses in Mexico, but regular physician visits and prescriptions are normally not covered. Plus, most travel health insurance will not cover any pre-existing conditions. A long term health insurance in Mexico will cover physician visits, prescriptions, and emergencies, too. Some long term health insurance companies may cover pre-existing conditions, but the premiums will be costly. On average, a travel health insurance policy will have lower limits than the long term health insurance. Most of the major health insurance companies have a working relationship with the physicians and hospitals in Mexico. That means you won’t have a hard time filing any claims. On the contrary, a travel health insurance policy may not cover all medical costs if you are involved in a serious accident. 

Long Term Health Insurance

Expats in Mexico can purchase long term health insurance that will cover them when they are living in Mexico. Compared to the same type of policies in Canada or the US, policies in Mexico are very affordable. Plus, you can keep them renewed for your entire life. The long term health insurance will often cover any pre-existing issues and any accidents. Some of the travel health insurance policies have an age limit. Therefore, if you are older, you may not be eligible or it may cost you more money with less coverage. Cancer treatments, hernia surgeries, cardiovascular problems, and vision needs aren’t typically covered with a travel insurance policy. 

How To Pick The Right Health Insurance

Long term health insurance policy is best if you plan on vacationing or living in Mexico for a while. Go over the options and coverage limits with any insurance plan. If you have any pre-existing conditions, then you need to make sure the health insurance company will cover you. If they do cover you, then they may charge you an additional premium or deductible price. The health insurance company will also consider your lifestyle, your diet, and any medications you currently take. Always research each health insurance company before you pick one. You can ask other expats in Mexico which health insurance company they use. 

If you live or will be vacationing in Mexico, then it is important to have the right health insurance. You don’t want to have an accident while in Mexico, and not have the proper health insurance coverage. Remember, if you want second home in paradise, Garza Blanca real estate is the premium choice. With full and fractional ownership options available, there are beachfront residences to fit every budget. It is possible to have the perfect dream home. Garza Blanca real estate comes with all the bells and whistles of a luxury resort. Do you want every day to feel like vacation? If so, contact Garza Blanca today to schedule a property tour. Inventory is limited, so don’t hesitate too long.