5 Coverage’s My Mexico Travel Insurance Policy Provides My Family & Me!

by West Coast Global Insurance West Coast Global Insurance

Are you planning a trip to Mexico to experience the country's vibrant culture and relaxed tropical scenery? A travel insurance policy can provide you peace of mind by protecting your trip investment. Here are five coverage options your Mexico travel insurance can provide for you and your family:

1. Trip Protection Coverage

Trip protection coverage will help you if you have paid for tours, hotel stays, or other non-refundable expenses. For example, if a hurricane hits your Mexico destination and forces you to reschedule your trip, a trip protection plan will provide you the investment protection you are seeking.

It is worth mentioning that trip cancellation coverage is the main benefit of a trip protection plan however upgrading your coverage to provide (CFAR) Cancel for Any Reason will provide an additional layer of added protection. Upgrade your policy to include "cancel for any reason" (CFAR) coverage if you want the most flexibility in canceling your trip. While CFAR coverage increases the cost of the policy it is well worth it as we never know what life may present to us and knowing that if for some reason I am not able to go on the planned trip that I will be able to re-coup a large % of my non-refundable trip expenses.. A CFAR claim typically requires you to cancel at least 48 hours before your scheduled departure, and you will generally receive 50% -75% (not 100%) of your trip cost back.

2. Trip Delay Coverage

Trip delay coverage within your Mexico travel insurance policy can reimburse you for the costs of meals, personal care items, transportation, and hotel stays in case your flight is delayed due to an inbound flight being canceled. In most cases, inclement weather conditions are covered under a travel delay claim. It is important to understand that your flight must have been delayed for a certain period before you can file a travel delay claim — usually 3 to 12 hours. Only on certain plans Trip delay can include coverage if you were to be diagnosed with Covid-19 and not able to board an airplane. Trip Delay protection can cover lodging on the back end of your trip. (See Plan details for included coverages)

3. Trip Interruption Coverage

Most Mexico travel insurance policies include trip interruption coverage if you need to cut your trip short and head back home due to a covered peril. The coverage kicks in if you or a traveling partner becomes ill or injured while in Mexico. You may also be covered if you need to return home due to a family emergency or any emergency peril stated in your policy. Not only would trip interruption coverage reimburse you for the cost of booking a new flight, but it would also reimburse you for any non-refundable unused tours or hotel stays you have already paid for.

4. Emergency Medical Coverage

Medicare and many other U.S. health insurance policies may provide zero or very limited coverage south of the border. This is why having emergency medical coverage in your travel insurance is so important. Not only will this coverage help you avoid paying out-of-pocket medical fees and scrambling to find suitable hospitals or doctors, but your insurance provider can also dispatch an air ambulance to evacuate you to a healthcare center that is equipped to treat your injuries.

5. Baggage Coverage

A comprehensive Mexico travel insurance plan should include baggage delay and baggage loss coverage. These coverage’s kick in if your baggage gets misdirected by the airline or your bags are lost for good.

Get Your Mexico Travel Insurance Quote Today!

If you are traveling to Mexico, West Coast Global Insurance has made it easier to protect yourself from the unexpected. Click here and start an online application today. Accident & Illness Global Medical Insurance Questionnaire to find the best online Mexican insurance policy for your needs.