Is my US health insurance good in Mexico?
Asked by: Torrey Block | Last update: January 11, 2026Score: 4.7/5 (35 votes)
Can I use my U.S. health insurance in Mexico?
Can I Use My U.S. Health Insurance in Mexico? More often than not, the majority of U.S. medical insurance plans will offer little to no benefits for U.S. citizens living in Mexico.
Does my U.S. insurance cover me in Mexico?
Your U.S. car insurance may offer limited coverage in Mexico, but it isn't valid there. You'll need a separate liability policy to meet the legal requirements in the country.
Can I use my U.S. health insurance in another country?
Before you go, consider your insurance options.
U.S. Medicare and Medicaid do not cover medical costs overseas. Private U.S. insurance policies also might not cover any or all expenses. Check with your insurance before traveling to see if it provides coverage overseas.
Does United healthcare cover me in Mexico?
As you plan an upcoming trip to Mexico, be sure to protect your trip as well as your health and safety with traveler protection. UnitedHealthcare Global offers SafeTrip travel insurance* to make sure your trip goes smoothly.
Health Insurance Options For Expats in Mexico
Can I use my UnitedHealthcare in another country?
No matter where your assignment takes you, you have access to the health care resources you need. Your UnitedHealthcare Global insurance plan works efficiently and simply, wherever you are in the world.
Should I get health insurance to travel to Mexico?
While it's not legally mandatory to have health insurance while traveling in Mexico, travel medical insurance should be considered by all travelers to Mexico, even if they're only visiting for a short period.
What happens if you have a medical emergency in a foreign country?
Health Care Resources for Travelers
The nearest US embassy or consulate can help travelers locate medical services and notify your friends, family, or employer of an emergency. They are available for emergencies 24 hours a day, 7 days a week, overseas and in Washington, DC (888-407-4747 or 202-501-4444).
Does Blue Cross cover you in Mexico?
The Blue Cross and Blue Shield Service Benefit Plan has you covered worldwide. If you need medical care outside the U.S, Puerto Rico, and the U.S. Virgin Islands you can rest assured that the Blue Cross and Blue Shield Service Benefit Plan offers worldwide coverage.
Do I need additional medical insurance when traveling abroad?
If you're traveling abroad, going on a business trip overseas or planning an expensive trip, travel insurance or travel protection may be a good choice for you. It's a way to be better prepared for the possibility that your trip may be interrupted or canceled or if you experience a medical emergency while away.
Is American insurance good in Mexico?
No, U.S. auto insurance policies aren't valid in Mexico.
How does insurance work in Mexico?
In Mexico, you will have good private and public health insurance options. Public health care is usually provided by the IMSS through employment or voluntary enrollment. The INSABI provides health care to individuals who are not covered by IMSS or who do not have private insurance.
Does AAA cover you in Mexico?
Since U.S. liability insurance is invalid in Mexico, you'll need proof of Mexico auto insurance for a road trip south of the border. AAA can help you get what's required through one of Mexico's largest and most reputable insurance companies.
What happens if a U.S. citizen gets sick in Mexico?
EMERGENCY: If it's an emergency, you can call 911—same as in the United States. Ambulances in Mexico are typically private companies, and you may even have several ambulances arrive to try and compete for your business. Be warned that you may have to pay for them on arrival, privately owned ambulances aren't free.
What happens if I need to go to the hospital in Mexico?
ER services at public hospitals in Mexico are free for residents enrolled in the Mexican Social Security Institute (IMSS). However, for tourists or those not enrolled in IMSS, ER services come with charges. If you visit a private hospital, you'll need to pay out of pocket unless your travel insurance covers the costs.
Do Americans go to Mexico for healthcare?
Medical tourists from the United States most commonly travel to Mexico and Canada, and to several other countries in Central America, South America, and the Caribbean. The reasons people may seek medical care in another country include: Cost: To get a treatment or procedure that may be cheaper in another country.
Is US health insurance accepted in Mexico?
Do Mexican hospitals accept USA coverage? USA health insurance coverage is not accepted in private hospitals of Mexico. The same is applicable for Medicare as well. Unless you have a USA health plan that covers healthcare in Mexico, you will have to pay out-of-pocket for availing medical services.
Does my BCBS plan cover international?
As a Blue Cross and Blue Shield member, you take your healthcare benefits with you when you are abroad. Through the Blue Cross Blue Shield Global Core program, you have access to doctors and hospitals around the world.
How much is travel health insurance to Mexico?
Travel insurance for Mexico can vary in cost, depending on the type of plan you choose. For trip insurance, one can expect to pay 5-10% of their total nonrefundable trip costs. Travel medical insurance can be as low as $1 per day, depending on your policy maximum and chosen deductible.
What happens if you get sick in a foreign country?
Special care if you become ill or injured while traveling
Contact the nearest U.S. Embassy or Consulate for a list of local healthcare providers and medical facilities. If your illness is serious, consular officers can help you find medical assistance. If you want, they can inform your family and friends.
Can you use Medicare in Mexico?
In most situations, Medicare won't pay for health care or supplies you get outside the U.S. The term “outside the U.S.” means anywhere other than the 50 states of the U.S., the District of Columbia, Puerto Rico, the U.S. Virgin Islands, Guam, American Samoa, and the Northern Mariana Islands.
Does your medical insurance cover you out of the country?
Generally, most domestic health insurance policies are not accepted abroad, so there is a benefit to purchasing travel medical insurance as a supplement to your health insurance coverage. The travel medical coverage is only valid while you're traveling.
Do I need health insurance if I have travel insurance?
Do I need travel medical insurance if I have health insurance? Even if you already have health insurance, international travel medical insurance makes sense because of the following: Your regular health insurer may provide limited coverage when you're outside of your home country.
Does your insurance cover you in Mexico?
Your U.S. auto insurance won't cover you after crossing the border of Mexico. You'll need a special Mexican auto insurance policy to legally drive in Mexico, which can be acquired through an insurance provider.
Who pays for health insurance in Mexico?
The healthcare system in Mexico is part of the national social security program. It's funded in part by employees and employers who contribute to the IMSS each month. It's further augmented by funding from the federal government, which is raised through general taxation.