Before you travel abroad on a holiday or trip of any nature it is important to make sure that you have a travel insurance. It doesn’t matter where you are going or for how long, adequate medical and personal liability insurance cover is a necessity, not a luxury. If some unexpected accident happens to our clients while traveling, a Travel insurance provides coverage for unforeseen situations.
Our World wide Insurance Companies, lead international operations in more than 130 countries. These companies serve commercial, institutional and individual customers through the most extensive worldwide property-casualty personal and life insurance networks of any insurer. Mexico is not an exception, with more than 10 years of experience and world leader infrastructure; Our companies provide the best service and is always looking forward to offer new solutions for you.
We offer a wide range of products covering all types of travel: national, international, leisure, business, students, cruise, etc. Also we have the ability to create products and customize them for Travel Agencies that want to offer added value to their customers.
Despite other insurances, we offer products that do not charge deductibles or co-insurance, and work as an insurance with additional coverage.
In other words, Our insurances have been designed for travel, with special benefits that regular insurances do not have. Such as trip cancellation, interruption or flight delay, lost baggage, emergency evacuation (as independent coverage), medical expenses (sick & accident), dismemberment scale “A”, repatriation of remains, Personal Liability, etc. ...
Our insurance counts with the service of a central Assistance who is responsible of tracking your case, available 24/7 the 365 days a year. In case of emergency, it is very important that policyholders or any close person call The Central Assistance before turning to the doctor, to inform the situation. The Assistance will collaborate by coordinating the situation, and sending policyholders to the nearest clinic or hospital, for their medical attention.
(It is important that policyholders should always carry on the certificate or Coverage Letter information where you can find policy number, certificate number and so do phone number and address where to contact).
The Original policy you got in PDF by email is the original. Besides, Its is better if you have it in your email, so you can print it anytime you want. Once you have sent the receipts by the web page, you will receive your PDF. file within the next 24 hrs.
Just in group cases, Insurance Card is given to each participant of a group. This Insurance is not the kind that you have access to a Hospital and get attention just by showing your Insurance card. Policyholder should follow the Procedure in case of Emergency, in which it is very important that policyholders or any close person call The Central Assistance before turning to the doctor where your certificate information will be required, to inform the situation.
One of the benefits of our insurances is the direct payment; the policyholder should call to the Central Assistance, so the insured will be sent to the nearest clinic or hospital, for their medical attention. In that case, The central Assistance is in charge of medical coordination, and the policyholder will have the direct payment guarantee, from the Insurance company to the hospital, excepting in cases where the cost of the claim exceeds the sum insured hired. In case of NOT calling The Central Assistance, before turning to any doctor; Policyholders will be asked for the original documents that demonstrate expenses for the medical emergency experimented during their trip. For this, Policyholders must communicate with the Insurance Company to carry out the process of reimbursement.
IMPORTANT NOTE: Policyholders are sent to the local doctors, or hospitals, and in some cases, these doctors or Hospitals refuse to accept direct payment from Insurance Companies, and prefer immediate payments from the patient. This Kind of situations are not on the Insurance company control, so the Policyholder will pay and proceed with reimbursement claim.
Despite de Sums insured for each benefit, The Assistance will guide you in the place and moment you need, and so does for the case of requiring paperwork processes or institutions to contact in the matter of passport loss, Legal referrals/bail bond assistance; Emergency cash transfer assistance, medical references, Travel information including visa/passport requirements, Emergency telephone interpretation assistance, Urgent message relay to family, friends or business associates, Concierge Services.
Coverage description is available in the General Conditions, which is issued in the official language that was presented to the regulatory governmental Institutions in Mexico.