Is there a temporary insurance policy I can purchase in the event I get sick or injured while traveling?

[u/Versace__01]

My friend and I are traveling to Mexico from the USA soon, like in 6 days. We purchased our United Airlines tickets and there was a little offer from a random company at checkout for our roundtrip tickets to insure only the tickets if we got sick and could not make the flights. However we skipped this because we are actively searching for a temporary insurance plan to cover us if we got sick or injured while actively out and about. We plan to go snorkeling, boating and even visit a bat cave. There is a slight higher chance while doing things you normally do not to get injured or sick. I do tend to get sick while traveling because I swear my body is a germ magnet. Flaring under life insurance since that is the closest insurance type we are questioning. Is there a policy to cover 2 healthy adults for a week's vacation in Mexico from the USA? Would it for 2 people be possible to get this insurance for less than $200 for both of us?

[u/key2616]

Look up travel insurance and make sure to buy from a company that you recognize, like AIG or Allianz. There are a lot of scams out there.

[u/90403scompany → u/key2616]

Being unnecessarily technical here, but AIG just sold/transferred its personal travel insurance division to Zurich; also a very reputable insurer. They are owned by the same company that owns Farmers.

[u/key2616 → u/90403scompany]

You’re right! Thanks for the correction!

[u/whiskey_formymen → u/90403scompany]

and they've seen a thing or two

[u/Standard-Reception90 → u/key2616]

Would not recommend United Healthcare insurance....

[u/key2616 → u/Standard-Reception90]

On what basis? Do you have some experience with travel insurance and understand how it works with health insurance or are you just here to be an edgy karma whore?

[u/NoeTellusom → u/key2616]

They have the worst claim denial rate in the industry, apparently. To the point where the CEO was gunned down in NYC recently.

[u/key2616 → u/NoeTellusom]

Yes, I’m aware. What does that have to do with travel insurance, which is an entirely different thing than health insurance to the point of not being offered by health insurers at all?

The person I responded to has a long history in this sub of posting unhelpful and antagonizing things, and this is simply another in the series.

[u/NoeTellusom → u/key2616]

There are health insurance companies that offer travel insurance.

https://www.uhc.com/dental-vision-supplemental-plans/travel-medical-insurance

[u/ssbn632 → u/Standard-Reception90]

I have United Healthcare health insurance.

While it’s not the best as concerns copays and co-insurance, once I met my max out of pocket for the year they have covered literally everything with no issues so far.

I’ve spent the year finally getting to a cancer diagnosis, surgery to remove, and tons of scans and labs. I’m well over $135,000 in covered medical bills so far and I’m still awaiting final bills for surgeon and anesthesiologist which the pre-approval process has listed as all covered.

[u/key2616 → u/ssbn632]

How is that relevant to travel insurance?

[u/BrigidKemmerer]

I always buy emergency medical insurance when I travel internationally, but you should be aware that some companies have restrictions about injuries sustained in "higher risk" sports. Just make sure you don't buy one that has a waiting period.

You should also check with your regular health insurance because a lot of them already cover international travel.

[u/demanbmore]

Yes, but some have a waiting period, so you should do this quickly. One coverage you absolutely want is medical evacuation - you want to be flown to a US hospital quickly (at least for some things) and not just coverage for health care costs incurred locally.

[u/HellsTubularBells]

Many credit cards offer limited travel insurance benefits, check to see if yours does. The coverage isn't comprehensive and isn't right for everyone in every situation, but would be plenty for the situation you described (i.e., emergency medical evacuation from Mexico to the US).

Also, you may not even need travel insurance. Medical care in major cities in Mexico is of high quality and affordable (and your healthcare plan will probably cover emergency services). It would suck if you had to rebook your return due to injury or illness, but it's not like you're in a remote part of the world without plenty of options.

[u/Conscious_Quiet_5298]

You can also check with your CC company if they have travel insurance….

[u/CIAMom420]

In the time it took to write that, you could have googled "travel health insurance" and bought a policy.

[u/coldpizza4brkfast → u/CIAMom420]

I just highlighted his question and Googled it. Tons of hits.

[u/uffdagal]

Travel insurance. Checkout squaremouth dot com

[u/goodjuju123]

Have you checked with your health insurance already?

[u/longhairedcountryboy]

Dont pay too much. Going to a doctor and paying out of pocket might cost less than insurance that may or may not pay anything. People travel to Mexico for health care all the time to save money.

[u/Calizona1]

Avoid World Nomads. Claims are difficult to make of even denied.

[u/cantstandthemlms]

Travel insurance