Everyone should read the fine print about there insurance. I just went to a travel insurance training yesterday and the thing that surprised me was the one clause about alcohol. If you get hurt and are taken to the hospital and they check you blood level and its above the legal driving range they can deny the claim. So wait till you sober up.
Wow, so I guess I'll be calling our health insurance company on Monday to ask if we are covered outside the US. I really hate insurance though, "give me your money, just in case". Most times nothing ever happens, but then there's that one time.....
Frank, my understanding is that the Mexican hospitals often won't take insurance from the US so many carry a credit card w/ a high limit and use that and get reimbursed later. The travel insurance w/ a medical portion are more readily accepted in foreign countries according to what I've read. I hated doing it too but just had some surgery and a few complications so I'm not taking the chance and feel a little more confident traveling. I like what Donald does...says he gets he and his wife covered for a year for $200 and allows up to 17 days abroad. That sounds good to me as I paid 120 for this one trip.
You might not be covered for complications to the surgery as it will now be a pre existing condition. And because this is travel insurance it wont fall under the ACA for pre existing.
I highly recommend having some additional coverage. Our first trip to Cancun, not at TTR, both my wife and I had separate trips to the Mexican ER and we had to pay via credit card. It was roughly $500 per trip. So we turned in the claim to the travel insurance and they paid 100% of it. The real good news is I also turned into My work health insurance in the U.S. And they paid the claim also, so made a little profit on our mis-fortune.
The way I looked at it is I paid via my premiums for both coverages so I was entitled to submit claims to both.
