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Auto Insurance and Medical Insurance in Loreto and La Paz, Baja California Sur, Mexico
Auto Insurance in Baja.
Available for $130 to $200 for the whole year for one vehicle. I paid $137 for my auto insurance in La Paz for a four-wheel drive Chevy Blazer. There are a number of auto insurance companies on the internet that will sell you auto insurance in Loreto or for anywhere in the Baja. When buying auto insurance in Mexico, I suggest that you use an actual Mexican insurance company that is very well recognized in Loreto and/or La Paz because you will want a company the local Mexican police, attorneys, and hospitals will recognize. In Mexico, if they are not familiar with the company and the company has no physical presence in the town you are in, the insurance won’t do you any good. Verify that the company you choose has offices in the Baja city that you will be in. Get the phone numbers that you will need to call in case of an accident. Double check the phone numbers, the hours and days that someone will answer the call (should be 24/7), and where the office that you are calling is located (get an address). When it comes to auto insurance, when you need it, you really need it and the fewer administrative issues there are, the better. For auto insurance in Loreto or La Paz, there are several good auto insurance companies that service those areas and the cost is very reasonable, much better than US prices. TOP
Medical Insurance in Mexico
Loreto's new hospital
Medical Insurance in Loreto. If you are considering moving to Loreto or La Paz or you want to buy a house there, get medical insurance in Mexico. Further more, I encourage you to get a home in either Loreto or La Paz because for a variety of good reasons, financial and otherwise, and for their available low costing medical insurance in Baja and very low costing medical services. There are dental offices everywhere. Loreto now has a brand new hospital just ¼ mile from the lots offered for sale in this website. La Paz has a bunch of hospitals.
Medical Insurance in La Paz. La Paz has at least four big hospitals and many, many medical offices to serve its residents. Getting medical insurance is cost effective and much cheaper than in the USA. If you are a resident with a home in La Paz or anywhere in Baja Mexico, you can get IMSS insurance like the locals do at about $300 - $400 per year. It's a great policy. See below for information on the different types of Mexican insurance policies.
Medical Insurance Policies. Most all policies are called “travel” policies because they impose a maximum number of days that you can be in the foreign county (e.g., 30 days or 50 days or 70 days, etc.) on any one visit in the year of the policy. You can go to the foreign country more often than once per year, but you can’t stay longer than the limited duration stipulated in the policy in order to be within compliance to the policy. They will use your visa and/or passport for proof.
The cost of the Mexican medical travel policies ranges from $100 to $400 US per year and everything in between depending on the company and the details and amount of the specific coverage. You can get medical travel insurance coverage from a variety of US medical insurance companies. The amount of medical expense coverage benefit provided ranges from $15,000 to $2,000,000 US for Mexican medical expenses. Many include the cost for airlifting you from any Baja hospital to any US hospital of your choice. Coverage also covers prescription medication. There is usually some nominal deductable per medical incedent of $50 to $100 US.
Also, most of the policies stipulate that you must also be covered by an ongoing US policy while you are here in the United States. The US policy doesn’t have to cover you in Mexico, however, just in the US. The reason that most of these Mexican policies provide airlifting is because, since you are covered by a US policy for treatment in the US, the Mexican insurance will gladly airlift you to the US where your US policy will kick in and cover your US Medical expenses. The Mexican policy will consider themselves as “secondary” medical insurance to your “US primary insurance” for treatment while in the US, but the Mexican policy is supposed to cover your Mexican-incurred medical services. TOP