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We provide coverage worldwide with trusted customers in: Los Cabos, Lake Chapala, Ajijic, Puerto Vallarta, Cancun, San Miguel de Allende.
Our Visitors Protect plan offers coverage for pre-existing conditions that gradually develop or worsen over time (such as diabetes or high blood pressure). This plan is designed specifically for individuals and families traveling from their home country to the United States, Canada, and Mexico.
Other IMG international travel medical plans may include coverage for “acute onset of pre-existing conditions.” This is different than a more traditional definition of “Pre-Existing Conditions.” Patriot America Plus, Patriot America Platinum, Patriot International, and Visitors Care plans cover acute onset of pre-existing conditions, but they are only covered prior to age 70 and are subject to the language in the insurance plan.
Here is our definition of what would be considered an acute onset of a pre-existing condition (according to a sample insurance plan from October 2022):
A sudden and unexpected outbreak or reoccurrence that is of short duration, is rapidly progressive, and requires urgent medical care. A Pre-existing Condition that is chronic or congenital, or that gradually becomes worse over time is not an Acute Onset of Pre-existing Condition. An Acute Onset of Pre-existing Condition does not include any condition for which, as of the Effective date, the Insured Person (i) knew or reasonably foresaw he/she would receive, (ii) knew or reasonably foresaw he/she should receive, (iii) had scheduled, or (iv) were told that he/she must or should receive any medical care, drugs or Treatment.
For more information on your specific situation, please get in contact with us here.
This coverage was created in 2002 by the Mexican authorities after a deep analysis regarding the catastrophic damages caused by water, wind, earthquakes and volcanic eruptions. These are the coverages inside of the Hydrometeorological Phenomena coverage:
1.Mud / Avalanches
Mud slide caused by floods or rains.
2. Hail
Frozen precipitation that falls with force in ice grain form. With this coverage the damage caused an obstruction in the pluvial water slopes is covered.
3. Frost
Damage from the unexpected reduction of the room temperature to the point of freezing of water where the damage occurred.
4. Hurricane
Flow of water and air of great magnitude, moving in a circular trajectory around a center of low pressure, on the water or land surface with equal or greater wind speed of 118 kilometers per hour, that has been identified by the authorities.
5. Flood
The accidental temporary covering of the ground by water, as a result of deviation, underflow or breakage of retaining walls of rivers, channels, lakes, reservoirs, pools and other deposits or water obstacles caused naturally or artificially.
6. Flood by Rain
The accidental temporary covering of the ground by rainwater due to the unusual and fast accumulation or displacement of water originated in extraordinary rains that fulfill anyone of the following facts:
– rains at least reach 85% of the weighted average of the historical maximums of the zone of occurrence in the last ten years, agreement with the procedure published by AMIS, measured in the nearest weather station, certified by the National Meteorological Service of the National Commission of the Water, or
– where the flood damaged insured property has covered at least one hectare.
7. Swell
Alteration of the sea that is pronounced with one elevation of its level due to a meteorological disturbance that reduces the atmospheric pressure and causes a sharp force on the sea surface produced by wind.
8. Ocean Surge
Violent agitation of waters of the sea as a result of a shock of the bottom, that propagates until it reaches the coastline giving rise to flooding.
9. Snow Fall
Crystalized precipitation falling from the sky in the form of flakes.
10. Stormy winds
Winds that at least reach the category of tropical depression according to the Beaufort scale of at least 50 kilometers per hour. The applicable coverage is that it originates from the immediate and direct damage to the insured property, independent of the meteorological phenomenon that causes them.
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