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The fact of the matter is that if you get into an accident, there is a VERY high likelihood that you will need emergency assistance… particularly in Mexico where the severity of accidents can be much worse than in the United States.
Additionally, most people consider health insurance a MUST … but your health insurance policy here in the United States usually does not cover an injury or medical evacuation in Mexico.
This means that if you get Mexican auto insurance for your trip, and you end up NEEDING it, your United States health insurance will not cover any injuries.
Of course while it is true that Mexico does have a health system that gives free medical coverage to its citizens, those facilities are not available to foreigners. If you’re from the U.S. you will need to use a more expensive private clinic.
Then, it’s no secret that legal officials in Mexico may attempt to take advantage of visitors from north of their border. If you’re in an accident, you may certainly need legal help, which means you’ll want your auto insurance to cover those matters as well.
The truth of the matter is that most Mexican auto insurance brokers do not sell auto insurance that adequately covers emergency medical assistance or legal assistance. Emergency medical assistance services are so restricted among most auto insurance carriers that the Red Cross and a whole host of other international relief agencies use ONLY ONE company for their travel to Mexico and throughout the entire world.
On top of that, most of these service contracts are written with such low limits and so many exclusions as to render them potentially worthless.
To make matters worse, many brokers sell “Emergency Medical Evacuation Services” that end up being subcontracted to a third party vendor in Mexico who often uses additional subcontractors. In other words, the services provided are not being performed by the company you’re giving the money to.
You can get an excellent comparison of these plans by going to Assist America Comparison Chart. Once there you will quickly see why the American Medical Association, The American Cancer Society, the Red Cross, and on and on all rely on this one company to ensure emergencies are properly and appropriately handled.
To learn more about Mexican auto insurance, how to get the coverage you want at a price you can afford (without getting ripped off by some fly-by-night scam artist), see “Is Your Mexican Vacation Covered” .
It was written by Linden Gray, an international insurance veteran with over 29 years of wholesale, retail, and direct insurance experience. He represents the only company deemed to adequately and inexpensively cover the various international relief agencies for their trips to Mexico (and as such, people that work for those agencies tend to use this company for their vacations to Mexico). Further, as the Director of he runs the only “direct to consumer” insurance agency that I’m aware of that represents the company used by those agencies.