Get Out of Jail Almost FREE Card

Mexico is among the top destinations for active travelers. It offers a wide range of activities and a mild climate. Activities range from lounging at your favorite resort, to sightseeing, or participating in various types of adventure sporting activities. Unfortunately, those who participate in these sporting activities are at increased risk for unexpected injury.

A report by the head foreign affairs agency of the United States (the Department of State), says countless Americans make the mistake of thinking that the same quality of care in the United States is applicable in Mexico. This misconception regarding safety and security has not only ended in serious injuries, but also an unfortunate loss of life.

Variations in Mexican law versus US Law are accompanied by the high costs and "red tape" associated with car accidents and unexpected medical injuries. This has led the Department of State to encourage citizens to take matters in their own hands and make sure they are equipped with the proper auto and medical insurance that ensures their protection.

Mexican Law: Driving The laws in Mexico are built from the Napoleonic Code, which places the presumption of guilt on an individual before innocence. All drivers need a Mexican insurance policy that comes from a company that is recognized as valid in Mexico.

Within Mexico, your American or Canadian auto insurance policy is not valid. This includes most collision and comprehensive coverage usually covered within U.S. policies.

Since many Mexican auto policies sold are a la carte, you should secure a plan that covers legal assistance (including any bond fees) within your automobile policy.

Traffic accidents are seen as felonies in Mexico. As the authorities look into who is responsible, you may face having your car impounded while you are kept in Mexican detention (jail).

Additionally, the US Department of State advises travelers in the United States that they could also be forced to stay in the country, even if they require "life-saving medical attention."

Emergency Medical Services

Mexico has a free national health care system; however, foreigners are not entitled to this service. Tourists can only receive medical treatment and medications from private clinics and hospitals. We strongly suggest that you check with your medical insurance company to confirm whether their policy applies in Mexico and whether it will cover emergency expenses such as a medical evacuation, because most do not.

Many medical assistance plans only cover portions of the cost depending on location, activity or cause of injury. For those with Medicare, costs for hospital or medical care outside the United States are not covered at all.

Therefore, it's important to attempt to fill in the gaps that your Mexico auto or US or Canadian medical insurance have. Besides comprehensive Mexican auto insurance, travelers should add an emergency medical assistance option, since almost all health plans exclude medical evacuation if it occurrs in a foreign country, such as Mexico.

Choosing A Plan: The most convenient and affordable method of locating Mexican auto insurance is on the Internet. When choosing a plan, it is recommended to seek out an option that provides the following:

Third Party (Civil) Liability with Adequate Limits (CSL or Split) Driver and Passenger Medical Expenses Coverage Emergency Medical Cover (Land & Air Evacuation) Physical Damage and Theft of Vehicle Legal Assistance and Bail Bond Costs Roadside Support and Rental Car Partial Theft and Vandalism with Repairs OK in MX or US

Make sure the plan covers you during your entire stay. Most plans have daily, six month, and annual policies. After 20-25 days it may be more economical to purchase a 6 month or annual policy.