Over the years Colin and I have travelled the globe and medical insurance has always been a part of the trip. We have never used it. Now as we are getting older the people who decide medical insurance policies have decided we are at risk and have to pay much higher prices. We use to get annual medical insurance for around $300.00. Now that Colin is 61 and I am 58, the prices have shot up for no valid reason other than the age factor. The price for just our 5.5 month trip to Mexico has been quoted at $1078.00. That price is based on us being in perfect health. There is no extra cost re my surgery this past July, they just say that I will not be covered for that or anything arising as a result of or possibly related to the surgery. Basically it means that even with the big dollars paid I will likely not be covered for much.
I began my research in this area last season and after making some inquiries this past month this is what we are going to do.
We are going to pay for travel medical insurance from the first day we cross into the USA until we reach our destination on Isla de la Piedra. We will pay for an insurance policy from the day we plan to leave Tres Amigos RV Park till we reenter Canada. In our case, we will pay $61.64 for travel from Oct. 26 to Nov. 6th. For travel from March 30th to April 13th we will pay $92.60. A combined grand total of $154.24 is a much more reasonable price to pay. I know that this brings a number of questions to mind which I hope to answer for you here but if you have any further questions or comments just let me know.
This policy is issued by TIC Travel Insurance, available through most brokers. It includes a $5 million hospital & medical services, air ambulance, pet & vehicle return and much more. It does however only include the days listed on your policy. As we don’t know exactly the number of days we will be on the road I have added a few extra days in both directions. Extra days are about $2.50 each, per person. You can change your dates before you travel. We are waiting till we know 100% the date we are leaving Canada before paying for our policy. However we do have the option of changing our return dates before we travel providing we have had no claims. For instance if our house sells 😀 and we have to return sooner 🙁 we just have to call the broker and change the dates. I still chose to add the extra days just so we have that freedom without having to call.
While in Mexico, should we need any medical attention we will simply pay for it, as the prices are so very reasonable. Our main concern re medical insurance is transiting the USA due to the extreme high costs for medical treatment. Also our B.C. provincial health care will reimburse us what they would have paid here in B.C. for any emergency medical issues provided the claim is submitted within 90 days from the service provided. This is the form that needs to be filled out. I suggest you make a copy of it and take it with you, that way you can be sure you have all the information you will need to provide.
Also if your medical incident is because of a vehicle accident, either your RV or car or truck, your Mexican vehicle insurance should have some medical coverage. Ours has up to $5,000.00 per person ( up to 5 people in vehicle ) per incident. A great policy.
Depending on what medical incident that occurs, if it does, one has the option of taking lots of pain medication and getting on a flight back home for treatment.
For those of you thinking of returning in April, Easter is early in 2012. Semena Santa will be around April 6-10th. For some that may affect your travel dates.
Tags: emergency, insurance, medical, Mexico, travel