Most tourists assume their domestic medical insurance will cover them in Mexico. However, domestic coverage is not designed for international travel. Without realizing it, you could be putting your health, and that of your family, at risk by traveling abroad without coverage.
Medical Assistance in Mexico
Our international medical travel insurance will protect you and your loved ones in Mexico and any foreign country. From beginning to end, we will help you through your health care needs. We can make recommendations to the closest medical facility, coordinate treatment and billing and explain the simple claim form process. Bi-lingual health care specialists are happy to help you translate your needs to the coordinating hospital. Here are just some of the benefit details:
Extended Benefit Period When Necessary
The benefit periods are the dates you enter as your vacation dates plus a six month “Benefit Period”. If a covered injury or illness requires continuing treatment in the U.S. after the period of coverage expires, the six month “Benefit Period” may provide continued coverage.
When the health insurance certificate expires, the underwriter, IMG, will review the date of initial treatment for the covered injury or illness. If treatment began less than six months before the Period of Coverage expired, benefits for the covered injury or illness will continue subject to the Maximum Limits and the other terms of the plan until there have been six months of continuous coverage of the covered injury or illness.
What Are The Policy Features?
Our International Travel Medical policy is primarily centered around medical emergencies in Mexico and other foreign countries. However, there are some other benefits included such as evacuation in the event of a political evacuation or an act of terrorism, emergency medical evacuation coverage, emergency reunion of family member coverage, return of mortal remains, return of minor children to the U.S. in the event they would be left unattended, and identity theft assistance.
How To Enroll
To enroll for International Travel Medical Insurance, simply fill out the application on-line. The application is straight forward and fast! Applications are processed immediately and coverage begins at the date you requested. As soon as you are approved, a confirmation email will be sent to you which will have all of your links to download necessary forms.
How Do I Get My ID Cards and Claim Forms?
When you enroll on line, you may download your fulfillment kit when it is emailed out to you upon approval. The fulfillment kit will include an IMG Identification Card, IMG contact numbers, Claim Forms and your Insurance Certificate providing a complete description of your rights and benefits under the contract.
How Do I Submit a Claim?
A lot of people ask us if the hospitals in Mexico will accept our insurance and the answer to that is: It depends upon the hospital.
If you happen to be near a larger hospital like Amerimed, they will have formed billing relationships with international health insurance agencies and will direct bill.
If you need to be treated in a small, emergency hospital, than the hospital may ask you to pay upfront. If you do have to pay upfront, you just fax your payment receipt and your bill along with your claim form to the IMG claims department, and they will reimburse you promptly. You have up to 90 days to submit your claim after the date of your doctor visit abroad.
