Emergency Medical Care | iTravel - Cabo (2024)

Emergency Medical Care | iTravel - Cabo (1)

What Happens in an Emergency?

An accident can happen anywhere. We often assume, that because we have full health insurance coverage at home, that we will be protected when we travel. Nine times out of ten this is not the case in Mexico.

You need to understand how the medical system in Mexico works. What happens if you require emergency medical care? Will your insurance cover it? Which hospital should you go to? How will you get there? Let's find out...

How the Mexican Health Care System works

The Mexican health care system – “Insituto Mexicano de Seguro Social”- only covers Mexican citizens, and legal immigrants who are paying into the system. So, if you are travelling to Mexico you need full medical travel insurance. Without it, you could face huge bills. Especially for emergency medical treatment.

Existing US Health Care Plans

Don’t presume that your existing US healthcare plan will cover you in Mexico. Chances are it won’t. But best check with your provider. You may be able to enhance your policy for the period of your travel. If not, you will have to buy an additional medical travel insurance policy.

Paying Upfront

If you doneed medical treatment whilst in Mexico, you may be required to pay for theservices up front. At the very least, you will be asked to show proof of your ability to pay. This means that prior toany treatment you would be expected to:a) to show evidence of your insurance policy;b) give creditcard details.

Reimbursem*ntof costs

Even when youdo have satisfactory health insurance, it is very difficult to invoke it.Payment is almost always expected up front. For Mexicans and Tourists. That is just how the system works. First you have to pay.And then you are responsible for claiming reimbursem*nt from your insurance company.

Choosing A Policy

Make sure youdo your homework. There are really two key areas to consider. The first is the levelof practical help your insurance company will provide on the ground in Mexico. Thesecond is the level of coverage in your policy, and what exactly is included

1. PracticalHelp

Check that they have the right infrastructure in place. For example, do theya 24/7 toll-free-number with English speaking operators? Do they provide help findingEnglish speaking medical practitioners? Do they provide help co-ordinating anycare you may need? Do they have contracts with specific hospitals in the Los Cabos area? If so, which ones?

2. Level ofcover

Make sure youdo your homework. It is essential that your health insurance plan includes all emergency medical care and medicalevacuation. So, if necessary, you would have sufficient coverage to get flown hometo America. And read the small print. Not all health insurance policies will coveryou if you engage in high-risk activities like diving, rock climbing etc. And pleasenote – not all policies will cover you for injuries sustained - “while under the influence of drugs oralcohol.”

And finally...

Well, whatcan we say - we all know that Cabo is full of adrenaline pumping activities. Andfull of bars. Like we said, do your homework. Make sure you are covered.And have a great time.

Warning for Visitors to Cabo

Several hospitals in the Los Cabos area have been heavily criticised in recent years for the excessive medial charges visitors have been forced to pay.

In response, the US Consulate in Mexico removed these hospitals from their recommended lists in April 2016. So, it is definitely worth checking these details before you trip.

Emergency Medical Care | iTravel - Cabo (2024)

FAQs

What happens if I have a medical emergency in Mexico? ›

If you do need medical treatment whilst in Mexico, you may be required to pay for the services up front. At the very least, you will be asked to show proof of your ability to pay. This means that prior to any treatment you would be expected to: a) to show evidence of your insurance policy; b) give credit card details.

Does Cabo have good health care? ›

It's worth noting that Los Cabos is one of the most popular medical tourism destinations in Mexico, with highly skilled medical professionals, leading cutting-edge technology and facilities, and significantly lower costs for major medical procedures. People either pay for this with private insurance or by paying cash.

Is it safe to go to Cabo right now? ›

SAFE TRAVEL IN MEXICO

The State Department notes that “violent crime is common and widespread in Mexico,” though there are no travel restrictions for Cabo San Lucas. However, the State Department recommends that travelers reconsider travel to Baja California because of crime and kidnapping.

How to avoid getting sick in Cabo San Lucas? ›

You can ensure your good health by washing your hands frequently, drinking only purified water, and steering clear of mobile food vendors, whose offerings may not have been prepared in sanitary conditions and in any case can suffer in the heat.

What happens if you can't pay your hospital bill in Mexico? ›

If you don't have enough money upfront, you could end up paying the bill later with a huge interest rate. The hospital can even call your credit card company once they receive your bill and charge them directly. It is recommended to get Travel Insurance for instances like these.

How much is an ER visit in Mexico? ›

Mexico Health Care Facts

To give you an idea, for an emergency room visit you can expect to pay a basic sum of between 350 and 500 MXN (15 and 25 USD).

What to do if you get sick in Cabo? ›

Unlike in the U.S., going to the doctor in Mexico is inexpensive and quick. For those wondering What to do when you get sick in Mexico — the answer is go see a doctor ASAP! If you find yourself sick in Mexico, open Google Maps, find one of the big chain pharmacies near you, and go straight there.

What are hospitals like in Cabo? ›

Cabo has local Mexican hospitals offering lower prices for hospital care to several large first-rate U.S.-like hospitals with more significant fees. I have experienced both a local hospital and a prominent U.S.-like facility.

Are hospitals good in Cabo San Lucas? ›

San Diego Health System, this private healthcare system offers state-of-the-art treatments across Cabo. H+ Hostipal – Rated one of the best hospitals in Cabo San Lucas, H+ Hospital is a private hospital network committed to providing quality 24/7 health care, complete with ambulances and a team of on-call doctors.

Is Cabo safer than Cancun? ›

That said, by and large, travel to both Cancún and Los Cabos is safe. Travelers who abide by local laws and don't go searching for trouble will have a safe vacation experience, as is true with most destinations around the world.

What threat level is Cabo Mexico? ›

For Baja California Sur, where Cabo San Lucas is located, the travel advisory is listed at level 2, warning travelers to exercise increased caution. Level 2 is one of the lowest advisory levels and generally means the region is safe to travel.

Can you drink the water in Cabo? ›

It is not recommended to drink unfiltered tap water in Cabo San Lucas. Just to be safe, ask for bottled water and be wary of drinks with ice cubes.

What hospital to avoid in Cabo San Lucas? ›

Luke's Hospital in Cabo San Lucas. U.S. citizens have reported instances of withholding care for payment, failing to provide itemized lists of charges, ordering unnecessary procedures, withholding U.S. passports, obstructing medical evacuations, and refusing to discharge patients without payment.

What to avoid in Cabo? ›

Fail to Keep an Eye out for Dangerous Animals

In the water, watch out for jellyfish. Always carry lemon juice or lotion with you in case you get stung. There are some places in Cabo with dangerous bugs and reptiles. Be alert about venomous animals such as scorpions and rattlesnakes that are sometimes seen in the city.

What fruit is safe to eat in Mexico? ›

To be extra safe, stick to fruit that can be peeled, such as bananas and mangoes. Prepared fruit (such as sliced guava, papaya, and pineapple) may look delicious, but you don't know how clean the preparer's hands were or how long the fruit has been sitting out in the sun, exposed to insects and airborne bacteria.

What happens if an American gets sick in Mexico? ›

EMERGENCY: If it's an emergency, you can call 911—same as in the United States. Ambulances in Mexico are typically private companies, and you may even have several ambulances arrive to try and compete for your business. Be warned that you may have to pay for them on arrival, privately owned ambulances aren't free.

What happens if you have a medical emergency on vacation? ›

Check insurance coverage with your carrier and identify whether or not you're covered while traveling abroad. Most insurance, including Medicare, doesn't cover medical emergency evacuation back to the U.S., and this can be costly. Ask for advice on medical care while traveling.

What happens if you have a medical emergency on an international flight? ›

If a medical emergency occurs, the flight crew notifies ground-based medical support for guidance. “The flight crew members are trained in cardiopulmonary resuscitation (CPR) and are able to administer lifesaving medications and equipment available in the emergency kits,” said Stahl.

Can US citizens get medical care in Mexico? ›

US citizens living and working in Mexico may be eligible for healthcare in Mexico under the IMSS, which is the healthcare system provided under Mexico's private employment sector. If you have legal residency and are self-employed there, you can opt-in to the system voluntarily.

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