Top 10 International Insurance Companies in Mexico for Expats
The top 10 international health insurance companies in Mexico for expats include Allianz, Cigna, Now Health International, VUMI, AXA, BUPA, GeoBlue, PassPort Card, Global Benefits Group, and Best Doctors Insurance. Each company offers different coverage tiers to meet your budget needs.
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Are you moving to Mexico as an expat? Are you trying to find long-term international health insurance? Keep reading to discover more information about the top ten international insurance companies for expats in Mexico!
This article by Pacific Prime will list the ten best insurance carriers for expats living in Mexico. With each insurer, we will also offer an overview of the benefits and plan selections available through the company.
When finished with this guide, you can learn more about health insurance in Mexico here.
Best International Health Insurance for Expats in Mexico
The 10 best international medical insurance providers for expats in Mexico include Allianz, Cigna, Now Health International, VUMI, AXA, BUPA, GeoBlue, PassPort Card, Global Benefits Group, and Best Doctors Insurance.
These insurance providers are among the top ten providers because they offer reputable and competitive health insurance for expats in Mexico. From covering preventative medicine and travel vaccines to second medical opinions and telehealth services, each company provides a unique combination of benefits.
Read more about each of the following insurance companies to get a better idea of which company is the best fit for your needs and budget.
- Cigna
- Now Health International
- VIP Universal Medical Insurance (VUMI)
- AXA
- Bupa Global
- GeoBlue
- PassPort Card
- Global Benefits Group
- Best Doctors Insurance
Allianz Insurance in Mexico for Expats
The insurance company Allianz provides quality, affordable worldwide health insurance coverage for expats in Mexico. High deductible plans are available for less than USD $100 per month for an individual. Lower deductible plans with higher annual benefit limits are another option through Allianz.
Comprehensive plans like First Choice through Allianz offer the following benefits:
- Worldwide coverage
- Inpatient coverage
- Emergency Evacuation
- Emergency room visits
- Acute chronic conditions
- Up to USD $6,500 in dental coverage with co-pay
- Up to USD $10,000 in maternity coverage
- Annual health checks with a physician
- Some coverage available for acupuncture
Here is a sampling of benefit limits and deductible options available through Allianz for expats in Mexico:
| Allianz Intl Mexico Annual Deductible and Benefit Limit Combinations | |
| Allianz Intl Mexico Plan Deductible | Annual Benefit Limit |
| USD $20,000 | USD $3,000,000 |
| USD $10,000 | USD $3,000,000 |
| USD $5,000 | USD $3,000,000 |
| USD $2,000 | USD $3,000,000 |
| USD $1,000 | USD $3,000,000 |
| USD $500 | USD $3,000,000 |
| USD $20,000 | USD $9,000,000 |
| USD $10,000 | USD $9,000,000 |
| USD $5,000 | USD $9,000,000 |
| USD $2,000 | USD $9,000,000 |
| USD $1,000 | USD $9,000,000 |
| USD $500 | USD $9,000,000 |
With Allianz, you’ll be able to determine how high of a deductible you can afford to bring down the price of your premiums. You’ll also be able to choose from more than one annual benefit limit.
Cigna Insurance for Expats in Mexico
Cigna’s basic health insurance plans for expats in Mexico offer inpatient and outpatient coverage. More comprehensive plans through Cigna may include maternity and dental coverage as well. This insurance company is well-known and respected worldwide, making it one of the best.
Cigna’s plans are available with higher deductibles to save on premiums or as low as $0 deductibles to save on out-of-pocket costs at the doctor.
Here are some of the benefits of Cigna’s Silver Plan with more comprehensive selections:
- Annual health check with primary care provider
- Coverage for routine vaccinations up to the sublimit
- USD $155 for glasses and contacts
- Eye exam coverage
- Inpatient and emergency room expenses, including a hospital cash benefit
- Acupuncture coverage
- Oncology medical coverage
- Up to $2,500 annually for general practitioner consultations
- Dental Coverage up to $1,250 per year
Here’s a selection of the deductible options available through Cigna for expats in Mexico with an annual benefit limit of USD $1,000,000.
| Deductible Amount Options on Cigna Silver Plans for Expats in Mexico |
| $0 Annual Deductible |
| $375 Annual Deductible |
| $1,500 Annual Deductible |
| $3,000 Annual Deductible |
| $10,000 Annual Deductible |
NOW Health International Insurance in Mexico for Expats
NOW Health International is one of the best insurance companies for expats in Mexico because of its comprehensive coverage options, wide range of deductibles to choose from, and high annual benefit limits. Travel vaccination coverage is available through Now Health International.
Plans through NOW Health International offer worldwide coverage excluding the United States.
The following list describes benefits available through Now Health International’s Apex plan for expats.
- Emergency Evacuation & Repatriation
- Inpatient medical expenses
- Hospital cash benefit of up to $275 per night
- Outpatient medical expenses are covered, including oncology
- Maternity benefits have a 12-month waiting period
- Dental coverage is available after a 9-month waiting period for minor restorative work.
- Annual health check benefits of up to USD $1,000 for children and adults
- Routine and Travel vaccinations are covered up to the annual health check benefit limit
The Apex plan through Now Health International has an annual benefit limit of USD $4,500,000, and deductible selections range from $0 to USD $15,000. The following table lists the options available.
| Deductible Selections through Now Health International
(Annual Benefit Limit of USD $4,500,00) |
| USD $15,000 |
| USD $10,000 |
| USD $5,000 |
| USD $2,500 |
| USD $1,000 |
| $0 |
Expats seeking more basic coverage can compare quotes for Now Health International SimpleCare plans.
VUMI Insurance in Mexico for Expats
VIP Universal Medical Insurance (VUMI) offers expats in Mexico coverage through the Global Flex VIP plan. This plan comes in five different coverage tiers for customized coverage through one of the best insurance companies worldwide. Coverage is available, including and excluding the United States.
The most comprehensive VUMI Global Flex plan, the Total, offers the following list of highlighted benefits:
- Optional wellness and optical coverage
- Routine and major dental coverage after a 9-month waiting period
- Physical Therapy and Rehabilitative care
- Maternity coverage with a waiting period
- Hospital cash benefits up to USD $450 per night for up to 30 nights
- Inpatient and Outpatient exams
The following table shows the annual benefit limits for VUMI Global Flex VIP health insurance based on the plan’s coverage tier.
| VUMI Global Flex VIP Plans Annual Benefit Limits by Coverage Tier | |
| Global Flex VIP Coverage Tier | Annual Benefit Limit Amount |
| Basic | USD $3,000,000 |
| Standard | USD $3,500,000 |
| Superior | USD $4,000,000 |
| Ultra | USD $4,500,000 |
| Total | USD $5,000,000 |
Learn more details about VUMI plans for Expats in Mexico in this blog post.
AXA Insurance in Mexico for Expats
AXA plans for expats in Mexico come in Basic, Essential, and Broad coverage options. AXA is a well-known insurance company that provides outstanding customer service. AXA health insurance plans have high annual benefit limits compared to many competitors.
The following list highlights benefits available with AXA’s most comprehensive package, the Broad plan.
- Coverage with a low 10% coinsurance
- Up to $16,000 for basic maternity coverage
- Emergencies abroad covered
- Illnesses abroad covered
- Outpatient medication coverage
- Extended maternity coverage is available for a limit of up to $60,000
- Basic dental protection
The following table shows the annual deductible and benefit limits for AXA’s expat health insurance plans.
| AXA Plan Deductible and Annual Benefit Limit Amounts | ||
| Plan Name | Annual Deductible | Annual Benefit Limit |
| Basic | $35,000 | $8,000,000 |
| Essential | $24,000 | $31,500,000 |
| Broad | $18,000 | $170,000,000 |
Consider some of the other top insurance companies for expats in Mexico for more flexibility on deductible and benefit limit amounts.
BUPA Insurance for Expats in Mexico
BUPA is one of the top insurance companies for expats in Mexico because of its generous second medical opinion coverage. Its global network of doctors spans more than 190 countries. BUPA plans also offer expats worldwide coverage with a lifetime renewal option.
BUPA Global health insurance plans have four tiers of coverage: Major Medical (basic plan), Select, Premier, and Elite. Elite is the most comprehensive coverage tier through BUPA.
The Elite Plan offers the following medical benefits for policyholders:
- Private inpatient room coverage
- Medical evacuation and repatriation
- Maternity insurance
- Covered annual health checks
- Dental and Optical coverage is available
The following table illustrates the annual benefit limits of BUPA global plans by coverage tier.
| Annual Benefit Limits of BUPA Global Health Insurance Plans | |
| Coverage Tier | Annual Benefit Limit |
| Major Medical | £2,500,000
(About USD $3,174,200) |
| Select | £1,250,000
(About USD $1,587,100) |
| Premier | £1,875,000
(About USD $2,380,600) |
| Elite | £3,750,000
(About USD $4,761,300) |
GeoBlue in Mexico for Expats
GeoBlue is one of the best health insurance companies for American expats in Mexico and around the world. GeoBlue offers telehealth visits, paperless claims filing, and one of the largest global direct billing networks. Coverage is available that includes or excludes the United States.
Plans through GeoBlue include the Xplorer Essential and the Xplorer Premier. Benefits for GeoBlue policyholders on either plan include:
- 24/7 access to TeleMD™
- 100% coverage for preventative and primary care outside of the United States, including recommended vaccines
- Outpatient and Inpatient medical expenses are covered 100% outside the USA after the deductible is met
- Pre-existing condition coverage options, subject to underwriting
- Outpatient mental health services
- Outpatient substance abuse treatment
GeoBlue’s expat health insurance plans do not have an annual benefit limit and have various options for deductibles.
| GeoBlue Annual Deductible Options on Xplorer Premier |
| USD $10,000
(USA Out-of-network deductible is $10,000) |
| USD $5,000
(USA Out-of-network deductible is $10,000) |
| USD $2,000
(USA Out-of-network deductible is $4,000) |
| USD $1,000
(USA Out-of-network deductible is $2,000) |
| $0
(USA Out-of-network deductible is $1,000) |
PassPort Card Insurance for Expats in Mexico
Expats in Mexico can select PassPort Card Insurance for a regional health insurance plan with international coverage in Latin America. The Assure plan covers inpatient and outpatient medical expenses. Maternity insurance has a waiting period of 16 months.
PassPort Card’s comprehensive Elite medical insurance plan offers the following benefits:
- Geographical coverage that includes Mexico
- Emergency Evacuation
- Emergency Repatriation
- Inpatient medical expenses
- Traditional Chinese Medicine and acupuncture coverage
- Outpatient medical expenses for diagnosis and treatment of acute conditions
- Maternity coverage is available after a 16-month waiting period
- Dental coverage after a waiting period of 3-6 months for cleaning and preventative dental care (10% co-pay)
- Annual health checks for adults and children
- Covers children’s routine vaccinations
- Up to USD $400 for an eye exam and 1 pair of glasses
| PassPort Card Insurance Annual Benefit Limit and Deductible Combination Options | |
| Annual Benefit Limit | Annual Deductible Options |
| USD $2,500,000 | USD $2,000 |
| USD $1,000 | |
| USD $500 | |
| $0 | |
| USD $5,000,000 | USD $2,000 |
| USD $1,000 | |
| USD $500 | |
| $0 | |
Global Benefits Group in Mexico for Expats
Global Benefits Group (GBG) offers inpatient and outpatient medical insurance coverage for expats in Mexico. Annual benefit limits range from USD $2,000,000 to $7,000,000. Maternity coverage is available. The waiting period for maternity coverage is ten months.
Comprehensive Global Benefits Group plans offer the following benefits on the Protection plan.
- USD $1,000 annual deductible
- Worldwide geographical coverage
- Well-being coverage for annual health checks with deductible waived
The following deductible and annual benefit limit combinations are available for expats in Mexico.
| Annual Benefit Limits and Deductible Options through Global Benefits Group | |
| Annual Benefit Limit | Annual Deductible |
| USD $2,000,000 | USD $2,000 |
| USD $2,000,000 | USD $1,000 |
| USD $4,000,000 | USD $2,000 |
| USD $4,000,000 | USD $1,000 |
| USD $7,000,000 | USD $2,000 |
| USD $7,000,000 | USD $1,000 |
Best Doctors Insurance in Mexico for Expats
Best Doctors Insurance offers medical coverage worldwide for expats in Mexico. Plans include outpatient and inpatient benefits, with maternity coverage available after a 10-month waiting period. Policies carry a lifetime renewal guarantee.
Here are some of the benefits of the MedicalCare™ plan through Best Doctors Insurance in Latin America:
- Emergency room visits
- Maternity coverage with a 10-month waiting period and deductibles of $1000 or $2000
- Newborns are automatically included in the policy without underwriting if the mother has maternity coverage.
- Emergency dental coverage
- Outpatient doctor visits
- Emergency transportation coverage
Deductibles and annual benefits limits vary across Best Doctors Insurance plans based on geographical coverage selection and other plan selections.
Using an Insurance Broker for Expat Health Insurance in Mexico
Using an insurance broker to compare and purchase expat health insurance in Mexico includes extra benefits at no extra cost. Insurance brokers represent the insurance customer, not a specific insurance company. That means you can comparison shop with greater convenience.
Pacific Prime offers an obligation-free quote generator at no cost for prospective clients. Find more accurate insurance estimates for your individual or family’s needs.
For assistance using the quote generator, you can access a video tutorial here.
If you have additional questions about international medical insurance coverage, you can contact an insurance expert online or by calling 1-800-868-1451.
Additional Resources Regarding Health Insurance for Expats in Mexico
The following information is available on Pacific Prime’s blog to assist expats with locating the best resources for their adventure living abroad.
- Finding high-quality, affordable dental care for expats in Mexico
- Learn more about whether or not Mexico offers free healthcare
- Understand Mexico’s healthcare system better
- Learn about giving birth in Mexico as a foreigner
- Guide to Mental Healthcare for expats in Mexico
- Telemedicine in Mexico for expats
- Find tips on how to stay healthy while in Mexico
Frequently Asked Questions
How do expats get health insurance in Mexico?
Expats working in Mexico may be eligible for public health insurance through their employer, but there are many benefits to having private insurance as well. Expats can purchase private health insurance plans through large international companies or local companies.
Can US Citizens get medical insurance in Mexico?
US Citizens living as expats in Mexico are eligible for private health insurance plans, like those through GeoBlue, which are geared toward US residents living abroad. Working with an insurance broker can simplify the process and make comparison shopping easier.
Serena earned her Bachelor’s Degree in Psychology from the University of British Columbia, Canada. As such, she is an avid advocate of mental health and is fascinated by all things psychology (especially if it’s cognitive psychology!).
Her previous work experience includes teaching toddlers to read, writing for a travel/wellness online magazine, and then a business news blog. These combined experiences give her the skills and insights she needs to explain complex ideas in a succinct way. Being the daughter of an immigrant and a traveler herself, she is passionate about educating expats and digital nomads on travel and international health insurance.
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