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Pre-existing Conditions

If you have a pre- existing condition that the Insurance carrier has classified as common, for example Diabetes I, Hypertension, etc. You will most likely get coverage, but with an exclusion on this condition. There are a few exceptions. This is determined case by case by the underwriting team once we submit your application.

If you have a degenerative condition like HIV, or Multiple sclerosis, the insurance carriers will not be able to offer any coverage. You then have the option to obtain a Travel Plan or Medical evacuation but not a health insurance plan.

It is important for you to consider that the health insurance plan is designed to cover your health and any major medical expenses for long term. These plans are renewed on an annual basis with an initial medical evaluation and approval to secure life term coverage. If you spend at least 6 months in Mexico each year we recommend that your sign up for a health insurance plan to secure your long term coverage.

Difference between Health and Travel

It is crucial to understand the difference between a Health and Travel policy, at the time you are making a decision on your coverage. It is common to confuse a travel policy with health insurance policy as they both provide medical coverage.

While both policies are designed to cover your medical care, the health insurance plan is designed to offer long term, full medical coverage for people settled in Mexico. A travel insurance policy offers coverage for emergency treatment while visiting Mexico for a short and set period. It can be a 7 day policy or a 6 month policy, etc. These plans do not require a health application but will exclude any condition related to medical history. This restriction applies each time the policy is purchased so it will not secure long term care as a health insurance plan does.

  • Short term coverage
  • No medical questionnaire or medical exams needed
  • Each year you purchase the plan, it is subject to medical history exclusions
  • Low costs
  • Does not cover cancers or any other long term conditions
  • Covers medical emergencies and accidents
  • Long term coverage
  • Medical questionnaire needed and sometimes medical exams
  • Defined approval conditions for life
  • Higher costs
  • Covers any long term condition
  • Covers any medical emergencies
Immigration status & Age

Immigration Status: Most national health plans require your Temporal/Permanent Resident Card while other carriers do not request it to issue your policy. Ex. BMI, Red Bridge, among others. Residency status will not affect the premiums on your policy. 

What is the best age to purchase a policy? With the health plans the best age is before 59 years old. We have options for you up to age 75 years.

If you are applying for Mapfre’s policy they will require some labwork exams starting at age 59. For the rest of the insurers they require labwork for ages 65+. When applying, be prepared and in best shape possible for the best results possible!

Health Insurance for Expats in Mexico

What do I need to know before requesting my health quote?
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Pre-existing Conditions
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Immigration status & Age
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Difference between Health and Travel

Get your Mexican Health Insurance Quote

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Thank you for allowing us to help you in this process! We are almost there!

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Based on the terms from the health Insurance Providers, we cannot offer a health insurance plan. Don’t worry! We can offer a Travel medical plan or a medical evacuation plan.

Travel plans can cover emergencies during a defined length of time in Mexico, but not long term treatments or conditions. Preexisting conditions are not covered with the exception of GeoBlue. This plan is exclusive for American citizens and their costs go as high as $1.700 dollars a month. Our other Travel providers offer friendlier costs but exclude preexisting conditions.

If you would like further information on a Travel medical plan:

click here

Medical evacuation plans cover the transportation from Mexico to your hospital of choice in the USA or Canada. Medical Evacuation plans are $595 dollars per year per person. This plan does not cover medical expenses, only the transportation to your hospital back in your home country.

If you would like further information on a medical evacuation plan:

click here

Congratulations! Now is the best time to begin your plan and secure your good health for your future.

You will receive a personalized quote within the next 24 hours, from one of our sales representatives. We are honored to provide our feedback and answer any of your questions.

Here are some ballpark figures for you!

Note: Preexisting conditions are usually excluded from coverage with a few exceptions.That will be determined during your applicaiton process. These quotes are not definitive but an estimate so you may begin the process with an idea on the costs.

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Worldwide Coverage
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Worldwide Coverage excluding USA
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National Coverage
Age Annual Cost Annual Cost Annual Cost
40 $4,025.66 USD $2,590.00 USD $980.68 USD
45 $4,601.84 USD $2,968.00 USD $1,151.68 USD
50 $5,389.42 USD $3,336.00 USD $1,416.74 USD
55 $6,741.74 USD $3,694.00 USD $1,775.63 USD
60 $9,013.66 USD $4,044.00 USD $2,308.74 USD
65 $13,056.87 USD $5,693.00 USD $3,188.00 USD
70 $18,360.83 USD $7,246.00 USD $4,524.21 USD
74 $23,714.37 USD $8,494.00 USD $6,003.05 USD
Deductible $2,000.00 USD $2,000.00 USD $2,000.00 USD
Co-insurance N/A 10% with a limit of $2,000 USD for inpatient 10% with $2,500 copay limit
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For a personalized quote and application

Click here!

Health Insurance for Expats in Mexico

When it comes to being insured out of your home country, it can be overwhelming preparing for your new home. Your medical coverage is no exception, so we are here to help you understand our healthcare system and to help you find the right medical insurance program that suits all your needs. Direct payments to hospitals and doctors, English speaking assistance 24/7, affordable costs and a program with a system similar to other health insurance companies in your home country. There are all important concerns for most expats in Mexico.

When talking about insurance programs specifically for expats in Mexico, Novamar leads the way with English speaking staff located in Mexico since 2009. Our Health Insurance programs in Mexico have been specifically designed to suit the needs of the Expat community in Mexico.

From basic to elite international health insurance companies in Mexico, our Health Insurance plans differ on costs and benefits. We ensure to work only with providers that can guarantee a high level of customer care. For this reason, we do not work with every insurance company in the market, only the most reputable.

While we offer the most complete and exclusive plans in the market such as BUPA or Pan American with all of the benefits you could possibly need. We also offer the most competitive plans and “essential” plans for coverage only in Mexico as well as offshore providers. Each plan will have its perks based on your specific needs.

Here are some bullet points that can help serve a guide:

We have three different categories of insurance programs, which one is right for you?

  • We have premium providers such as BUPA, Pan American, BMI & among others for extensive worldwide coverage. These include USA coverage and are at the higher end as far as costs and benefits.
  • We offer offshore international plans by providers such as VUMI and Red Bridge. These American providers can exclude USA coverage and offer solid plans at a more competitive rate compared to the elite plans.
  • We also offer Mexican national plans for your essential coverage in just Mexico (Mapfre, GNP, SURA among others). These plans are usually more attractive in rates and guarantee financial stability as Mexican registered insurance companies. If you opt for a National plan be sure that your health insurance executive clearly explains what will be your copay and your waiting periods as these are important distinct characteristics.

Age limits

  • Ages limit to apply for an international health insurance plan: 74
  • Age limit to apply for a National Plan for coverage in Mexico only: 59-69 depending on the insurance provider
  • Ages 75-84, We have only one option available: VUMI Senior and you can expect an annual premium of approximately $12,000 US
  • We recommend our clients applying for a plan before reaching age 75 for a larger variety of options

What if I only want catastrophic coverage

  • We have different options for catastrophic coverage policies. You can opt for a very high deductible or seek a defined benefit plan. For further information, please contact our health insurance department and we will gladly assist you.

For a free consultation please fill out your request and our Health insurance specialist will connect with you

Dannae De Anda
322-297-6440 Ext. 104

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Frequently Asked Questions
  • Will a policy cover my preexisting conditions?
  • What are waiting periods?

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