Travel Health Insurance for Visiting the United States From Mexico

Why buy travel health insurance?

An emergency room visit in the United States can cost thousands of dollars, and a hospital stay, tens of thousands. Mexican health insurance rarely covers you abroad, except for international plans.

What it should cover

• Medical emergencies and hospitalization due to accident or illness.
• Prescription drugs during the emergency.
• Medical transport or repatriation to Mexico.
• 24-hour phone assistance in Spanish.

Check the coverage limit, the deductible, the exclusions (pre-existing conditions, high-risk sports) and whether they pay the hospital directly or reimburse you later.

Options based on how often you travel

• Per trip: for vacations or short visits.
• Annual multi-trip: if you cross several times a year.
• Credit cards: some include travel insurance if you pay for your ticket with them; check the terms.

In an emergency

Call 911. Hospitals with an emergency room must evaluate and stabilize you even if you cannot pay at that moment. Notify your insurer as soon as possible and keep all receipts.

Also check car insurance for the US and the documents to cross.