International Health Insurance for

Private health insurance is not legally required for most temporary or permanent residents, but it is strongly recommended. Private hospitals in Mexico generally expect payment or proof of coverage before treatment, and a serious illness or accident can cost tens of thousands of dollars. An international or Mexico-specific health plan gives you access to private hospitals with direct billing.

In almost all cases, no. Original Medicare does not pay for care you receive in Mexico, and most Medicare Advantage plans only cover emergencies abroad, if at all. Many American retirees in Mexico keep Medicare for trips home and buy a private health plan for care in Mexico.

Residents can apply for voluntary enrollment in IMSS, Mexico's public health system. It is low cost, but it excludes many pre-existing conditions, has waiting periods for some treatments, and often involves long waits and Spanish-only care. Many expats use IMSS as a backup and rely on private insurance for access to private hospitals.

Our plans cover you anywhere in Mexico, including popular expat areas like Lake Chapala, San Miguel de Allende, Puerto Vallarta, Mérida, Cancún, Playa del Carmen and Mexico City. Most plans also include coverage when you travel outside Mexico, and some can include the United States.

Most of our providers do NOT cover any major pre-existing conditions, at least not fully. You will most likely receive an exclusion or an increased deductible for any specific conditions you may have. We do however have a variety of insurers that accept different actuary risk, and may be able to get you a more favourable offer than from other agents. If you are a US citizen, we also have one provider that may accept your conditions.

Most major medical policies insure up to the age of 75. If you are older than 75, we do have senior-only plans available, or medical evacuation options up to the age of 85.

If you are healthy and under the age of 65, you most likely will not need to do an exam. If you have an existing condition, the insurer may request medical records with a current status of the condition, or a lab test to find out the current status. If you are over 60 or 65, some of our carriers require a simple physical with tests like an EKG and blood work.

Yes, the majority of our providers have waived their pandemic exclusions temporarily and are covering COVID from day 1 of the policy. We also have providers that do not have pandemic exclusions at all, that covered COVID from the beginning of the pandemic.

We work with both global insurers that can practically insure you in any country in the world, as well as with more localized insurers that specialize in regions like Latin America. We cannot help you if you live in a country with sanctions for trade from the United States Department of State, including countries like North Korea, Iran, etc.

Please take some time to talk to one of our brokers to answer any questions you may have. Chances are we have heard it before and will be able to help you, or point you in the right direction if we cannot.

International health insurance and expat health insurance are often used interchangeably. Both refer to global medical coverage designed for people living outside their home country. Whether you're an expat, digital nomad, or global citizen, these worldwide health insurance plans provide comprehensive coverage across multiple countries, unlike domestic policies which typically only cover you in one location.