Remember I mentioned that travel by ambulance isn’t a free service provided by the Red Cross? When my mother-in-law was in the hospital after being hit by a police officer driving excessively fast for no reason, she was taken to an IMSS hospital since she worked as a street cleaner for the presidencia (town hall). When I arrived, hours after the accident, she had not yet been seen by a doctor, although a nurse had bandaged her leg and taken x-rays. When the doctor finally arrived from Morelia (apparently there wasn’t a doctor on staff), he insisted that she be transported to the Regional Hospital that was better equipped to handle her injuries. The family had to arrange ambulance transportation because she was not in stable enough condition to be moved by other means. Our local Red Cross has the only ambulance in the area. The cost was not covered by IMSS. It took hours to make the arrangements. When she finally arrived at the hospital, she was admitted to ICU. Her spleen had been ruptured in the accident and she was bleeding internally.
The admitting doctor suggested she be transported to the hospital in Leon, GTO, a 4-hour drive. Again, there was the issue of ambulance transport to arrange. For some reason, the family member in charge would not sign off the transfer. My mother-in-law contracted a respiratory infection in the hospital and died.
So believe me when I say that the universal health care Mexico provides through Seguro Popular and IMSS may not be enough in some situations.
Today I’d like to highlight one insurance company’s policies for US and Canadian citizens while they are in Mexico in order to provide a baseline of what type of coverage to look for when purchasing additional insurance.
Travel MedEvac Insurance’s slogan is Medical Transport Home when the Unexpected Happens (which of course, nobody hopes for but unfortunately is a possibility).
The MedEvac insurance covers evacuation by air transport to a hospital of your choice in your home country (US or Canada) and transfer by air or ambulance to another hospital in Mexico as needed if you are medically unable to travel internationally. So in the event of injury or illness, MedEvac will make sure you are taken to a hospital, whether in Canada, US, or Mexico, that will be able to treat your condition. This is especially helpful if you are in a rural area in Mexico where the medical facilities are understaffed and lacking updated (or even functioning) equipment.
What about your family? Well, MedEvac offers transportation for a traveling companion, spouse, and dependents to the hospital where you been evacuated in your home country. If you are unable to be air-lifted out of Mexico, MedEvac provides transportation for your immediate family to the hospital where you are receiving treatment.
What about your stuff? MedEvac will transport your vehicle, RV, motorcycle, and watercraft from Mexico to your home country. If you are discharged but not able to drive, MedEvac will make sure your vehicle is returned to you in your home country.
What happens if you die? MedEvac will prepare your body for transport and complete the repatriation process up to $50,000 USD. This may include embalming or cremation, casket, and transportation.
So what are your options?
MedEvac offers daily and annual plans. Daily plans are good for up to 90 days in Mexico and best for vacationers, cruisers, business travelers, students, missionaries, church groups, timeshare owners, and volunteers who do not plan on staying more than 90 days in Mexico. There are plans available for groups of 10 with additional plans in increments of 10 at special group rates.
Annual plans are offered for both 6 month and 12 month periods. The Classic Plan covers you if you travel to Mexico several times a year but never longer than 90 days. The Extended-Stay Plan covers you if you live in Mexico part of the year but do not stay longer than the 180-day tourist visa limit. Either plan would work for Snowbirds and frequent travelers.
As of April 2018, a third policy has been added to MedEvac’s plans specially designed for expatriates that live in Mexico more than 180 days per year. In this situation, medical evacuation could include transfer to another hospital for treatment in Mexico rather than in your original country. If your stay is more than 2 days, traveling companions and dependents will be given transportation to their homes. If you are in the hospital for more than 7 days, MedEvac will provide for the transportation of a visitor for a single visit to your bedside.
There are some things to consider.
If you are older than 84 or have been advised by your doctor that you should not travel, you would not qualify for this type of insurance. It’s also important that your passport be current, otherwise, there may be complications in leaving Mexico or entering your home country.
Additionally, there are some situations where accident or injury would not be covered under MedEvac’s policies. If injuries are self-inflicted or sustained in a war zone, you wouldn’t be eligible. If you are injured while piloting your own plane or canyoneering, you wouldn’t be eligible. If you are traveling specifically to seek treatment whether or not medically necessary, you would not qualify for the plans above. (I’ll talk about Medical Tourism in another post.)
There are also some restrictions which you might need to take into consideration when living or traveling in Mexico. You might not be able to be evacuated from areas which the U.S. government has issued travel restrictions (See U. S. Travel Restrictions for Mexico) or areas where civil unrest or natural disaster has temporarily shut down air traffic.
So, as part of a comprehensive medical insurance program, travel insurance, like the policies offered by MedEvac might be something you should seriously consider.
This information is provided for informational purposes only. Please refer to the MedEvac’s page for current plans and prices, requirements and restrictions.