How to use your Mexico Travel Insurance
Many people are cautious and always travel with travel insurance. Others already have some level of coverage included in the annual payment of their credit card. Here is some helpful information to help guide you should you need to use the coverage benefits in your travel insurance policy.
Here's how to use your travel policy if you have a claim:
- 1. Vehicle towing (2 tows per year).
- a. If you have an illness, you can speak with a doctor to determine the best course of action for your condition. You will be able to request an English-speaking doctor.
- b. If you have been in an accident, the insurance company representative will be able to direct you to a facility where they accept direct payments from the insurance carrier so you will not have to deal with gathering up all the required documents for getting reimbursed later for your treatment.
- i. The direct payment method (“Pago Directo” in Spanish) form of payment from the insurance carrier means that the carrier pays the hospital directly and you do not need to pay before being discharged from the hospital.
- 2. When you call the claims center of the insurance company, you will need to provide the following:
- a. Your full name.
- b. Your policy number.
- c. Your passport number.
- d. A brief description of the situation: trip cancellation, lost of luggage, medical assistance, etc.
- e. City you are in.
- f. A number where you can be reached (usually your cell phone number).
- 3. You may find yourself in a situation where you are not able to provide the information to the insurance carrier yourself, therefore we recommend providing your traveling companion with this information beforehand.
- 4. Getting Reimbursed: The direct pay method of payment is much less work for you, but if you find yourself in a situation where that form of payment is not available, these are the documents you will need to provide to the carrier for your medical expenses:
- a. A copy of your Passport.
- b. A copy of your bank statement (a copy of a cancelled check will NOT be accepted). The bank statement must show the bank name, the account holder’s name, and the account number. You are free to redact the financial information if you would like to.
- c. The Doctor’s Medical Report: you get this from the hospital, we recommend you do not leave the hospital until you have it.
- d. A Fiscal Mexican Factura for every payment made: If your expense was made in Mexico a simple receipt (a “Nota de Remission” in Spanish) will not be accepted; they will require a Factura. The Factura should be made out to you. Medical facilities are familiar with the need of a Factura for services. If you do not have an RFC (which most occasional travelers to Mexico do not), the hospital can make the Factura out to you as a generic foreigner (XEXX010101000). We recommend you obtain the Factura from the hospital before you leave. You will not be able to obtain a Factura if you wait more than 30 days to request it.
Laws and insurance claims processing is in Mexico are likely different than what you are accustomed to in your home country. Contact us and we will gladly review your current insurance policy or if you do not have on we will design one to suit you.
For more information you can visit us on our website
Or contact us at
México - 322-297-6440
México - 800 627 46 37
USA / CANADA - 949-274-4111