International health insurance for expats in Mexico
From San Miguel de Allende and Lake Chapala to Mérida, Puerto Vallarta and Mexico City, Mexico is home to a large international community. An international plan gives you private treatment in Mexico, a way to be treated back home, and a contract that stays with you if you move again.
Who we insure in Mexico
- US retirees and remote workers. Medicare usually doesn’t cover care outside the US, so a plan for Mexico is essential. US citizens are placed with Cigna Global. See health insurance for US citizens abroad.
- Canadians and Europeans. Allianz Care and Cigna Global are both options, and we quote them side by side.
- Families relocated for work. One contract for everyone, with cover that continues if the next posting is elsewhere.
An international plan or a Mexican policy?
Mexican major-medical policies (gastos médicos mayores) are designed for treatment in Mexico and usually combine a deductible with co-insurance on each claim. They can be a sensible choice for someone who will always be treated locally. An international plan costs more, but it covers you in Mexico and in the rest of your area of cover, can include the United States, and does not end if you move country.
The US question
Many expats in Mexico want the option of treatment across the border. You can choose worldwide cover including the USA, the most expensive option, or worldwide excluding it. With Cigna Global, plans that exclude the US still include emergency hospital treatment there up to €75,000 on Silver and €200,000 on Gold, and in full on Platinum. We price both so you can see the difference.
Mexican nationals
International plans are designed for people living outside their country of nationality, so a Mexican citizen living in Mexico is normally not eligible. If you are Mexican and live abroad, see our Spanish guide for Mexicans living abroad.
How we work
Both insurers, side by side
Allianz Care and Cigna Global configured on the same terms, with our recommendation in writing.
One adviser, quote to claim
The person who quotes your plan handles the application, the certificate, renewals and claims.
No fee to you
We are paid by the insurer. Quotation, comparison and help with claims cost you nothing.
Get your international health insurance quote
Four details are enough to start. We reply in writing within one working day with Allianz Care and Cigna Global configured for you.
Thank you
We will come back to you in writing within one working day.
Frequently asked questions
Is Mexico covered by Allianz Care and Cigna Global?
Both write cover for expats living in Mexico. We confirm eligibility for your nationality and residence before we quote.
I am a US citizen living in Mexico. Which insurer?
Cigna Global. Allianz Care does not accept US citizens.
Can I include the United States?
Yes, with worldwide cover including the USA. It is the most expensive area of cover, so we also price worldwide excluding the USA for comparison.
Do I need health insurance for Mexican residency?
Requirements are set by the consulate and the immigration authority for each case, so confirm your checklist. Whatever the requirement, we can issue a certificate of insurance in English with your plan.
Related reading
Adler & Rochefort is the commercial brand of Ownizo, Unipessoal Lda., an insurance broker registered with the Autoridade de Supervisão de Seguros e Fundos de Pensões (ASF) under no. 425591790/3, authorised to carry on insurance mediation in the life and non-life branches, and not a tied agent of any insurer. We are appointed to distribute the international health plans of Allianz Care, Cigna Global and APRIL International. Availability depends on your nationality, your main country of residence and local law, and is confirmed before any quotation. This page is general information, not advice on a specific case, and not an offer of insurance. Acceptance, cover, limits, exclusions and premium are determined by the insurer following medical underwriting and are governed exclusively by the policy conditions issued.