The Difference Between Mex and U.S. Insurance

What is the difference between Mex and U.S. Insurance?  We are all so accustomed to buying insurance in the United States that it has literally become part of our lives.  In 1927 the rulers in Connecticut passed a mandatory auto insurance law, and ever since states have been adopting similar versions.

Key Differences Between Mexican and American Auto Insurance

So, as an American citizen, it is likely that you were forced to buy insurance before you could drive alone!  At the very least your Mom or Dad had a talk with you about how much his insurance premiums were going up because, yes YOU are being added to the family auto insurance policy.  And he tried to use this as leverage to make you do your chores, and then some.

The primary difference between Mex and U.S. insurance

Have you heard of Big Data?  Well, for all those years insurance companies have been collecting data, driving habits, accident history, loss ratios, and risk figures.  And nowadays these companies plugin to the Big Data to find out almost everything about you – not just what you share on Facebook, but your driving habits, your eating habits, spending habits, what you watch and who are your friends, where you work, family story…what your breakfast looked like this morning.  They know everything about you.  In the United States, you are given an insurance rate based on who you are….or I guess based on the data that the company has on you.  You can list 20 vehicles on your policy, and they’ll ask you everything they don’t already know during the application process.  But the auto insurance industry is smart – and they know exactly how risky YOU are to insure.  If you have a DUI, or a criminal record, had no job or 10 jobs this year, fraud experience, lies on applications, etc  – they know.  You will pay more or less based on what they know.

In Mexico, it’s quite opposite.  The difference in Mexican Auto Insurance and insurance you purchase in the U.S.?  DATA.

Only within the past few years have the Mexican States started to adopt mandatory insurance laws.  And the insurance itself is on the vehicle as a risk (not the driver).  Mexico has data on which vehicle is stolen most, and where it is stolen.  But they don’t know about your 15 DUI’s in the past 5 years.

Because of this Mexican Insurance ties the policy coverage to the individual vehicle, and not the driver.  You can add drivers to the policy, but never add cars.  And you cannot get a discount because of your profession, you cannot swap vehicles mid-policy, you cannot change the VIN or the value…  Are you starting to see the difference?

When they sell a car in Mexico, they will advertise if auto insurance is good for “another 6 months”. An insurance policy will transfer to the new owner in Mexico, much like registration does in the U.S. If it’s registered until next July you’ll see it in the ad.  The Mexican insurance will transfer with the car, and when you get a new car…that’s right, you need new auto insurance in Mexico. The insurance adds value so use it as a selling point! You can call us with the new owner’s name and their details and we can transfer the policy over at no charge.

Difference Between Mex and U.S. Insurance: Pro-rate

In the U.S., if you get a new car they remove the old car from the driver’s policy, and pro-rate the discount, and apply it to the pro-rated premium of the new car!  It’s all done electronically in minutes. Pro-rate does not exist in Mexico.

How does this affect you?  Well, you need to understand that when, as a tourist or even as a national citizen of Mexico, when you buy insurance on your car, it stays on that car until it’s time to renew.  You have a limited time to cancel (34 days with mexinsurance.com) but even then, when you cancel the annual term the days that you used are converted to the daily rate – which can get pretty expensive.  If you sell your car six months into the policy, you can charge the buyer additional for the insurance that will be transferred but you can’t get a refund from the Mexican insurance company.

As you can see, there is more than one difference between Mex and U.S. insurance. If you have any questions about Mexican Insurance, aka “MexInsurance” please contact us at service@mexinsurance.com.

Dentist in Mexico

Dental Care in Mexico

Obtaining Dental Care in Mexico


Like medical tourism in general, dental care among travelers is thriving in Mexico–and with good reason. Mexico is a premier destination for healthcare and dental care in Latin America and the nation has been attracting many Americans with its excellent-quality care and affordable prices. Because many of Mexico’s dentists receive training in the United States and many U.S. dentists obtain training in Mexico, the level of care is typically considered comparable. If you are considering obtaining dental procedures across the border, you aren’t alone. Many travelers are flocking to Mexico to receive both routine and specialty procedures.

Tourist with clean teeth


 
Types of Dental Care Available in Mexico


If dental treatment is available in the U.S., there is every likelihood that it is also available in Mexico. In fact, many of the border towns like Los Algodones have become specifically noted for their high-quality dental procedures that are on par with what Americans can expect to find at home. Travelers come to obtain routine cleanings to implants. In fact, major work and cosmetic dental treatments are extremely popular in Mexico where such procedures are far cheaper than in the U.S. The upside is that the quality of the dental care does not diminish simply because you have crossed the border.


 
How Cheap Is Dental Care in Mexico?


Generally speaking, dental care in Mexico costs a third of what you’d expect to pay in the U.S. That’s incredibly appealing to many people who live near the border. Traveling to a border town to receive high-quality dental care is cheaper than having the work done in the U.S. In fact, many people in northern sections of the U.S. find the idea of traveling to Mexico for dental care preferable as well. Many combine their dental care with a full-blown vacation–which is still often cheaper than what you’d pay for your dental work at home.


 
Paying for Dental Care in Mexico

Woman after Dental Work in Tijuana


U.S. cash works quite well for most of Mexico’s dentists, especially for those near the border who do a lot of business with Americans. Credit cards, too, are generally welcome, and some dentists may even accept a check. It’s a good idea to obtain all the information you need regarding dental care in advance. Find out about the costs of treatments you need so you know how much cash you’ll need upfront.


 
Choosing a Dental Care Provider and Appointments


Just like in the U.S., you will want to find do some research about choosing a dentist. You may have friends or a family who can recommend a great Mexican dentist. You can also research online to obtain references for dentists in various cities that you may visit. Again, some border towns are well known for their high concentrations of dentists. You should have little problem finding several that have excellent reputations. Before traveling to Mexico for dental care, be sure to set up an appointment, especially if you require an extensive procedure. On the other hand, you might be able to obtain a tooth cleaning with no appointment at a wide variety of dental offices.
 
Many Americans are delighted at the quality care they receive from Mexican dentists. Because of their lower operating costs, Mexican dentists can charge far less than dentists in the U.S. If you are tired of paying exorbitant sums for dental care, consider checking the hot dental scene in Mexico. You might find yourself planning a trip there to see a dentist.

Driving to Mexico for Dental Work

If you’ve decided to save thousands of dollars and drive across the border for Dental Work then there are few things you need to remember.

  1. FMM (temporary tourist visa). This can be obtained at the border crossing. Just pull over where it asks for “Declaracciones”, go into the office and get your permit.
  2. You will NOT need a TIP, or Temporary Import Permit (also known as Vehicle Permit). Unless you are traveling beyond the “Free Zone” for dental work you won’t need this.
  3. Insurance. Your U.S. insurance might cover loss or damage of your vehicle while within a certain distance of the border, but did you know that if you cause damage to a third party (car or person) while in Mexico that your U.S. insurance can do NOTHING?!?! It’s true, even though they will cover your car damage – there is nothing they can do for you being thrown in jail. At a cost of around $12/day it’s worth it to get insurance. Go online, it only takes a few minutes to procure quality Mexico Insurance. Click here now for a quote.
Mexico border crossing

Crossing into Mexico: What You Need to Know

Whether traveling to Mexico for business or to enjoy a vacation, there are various aspects of the trip that travelers should keep in mind.  From necessary travel documents to car insurance, travelers to Mexico will need to know the following information when crossing into Mexico.

Necessary Identification

While it’s easy to get into Mexico, it isn’t so easy to get out of you don’t have the required identification.  That means travelers must pack their passport booklet or passport card.  A driver’s license or state ID is also handy for procuring insurance or establishing an identity for rentals.  Always keep your personal information handy and well protected.  Don’t leave your passport lying around hotel rooms, restaurants, or in a beach bag.

how to get a passport
Passport for Mexico

Crossing into Mexico with Money

It’s a good idea to have access to your money in a few different ways when traveling to Mexico.  Have a combination of Mexican and U.S. currency.  Find out if anywhere you plan to visit accepts your credit cards of choice or if travelers’ checks will be helpful.  Avoid carrying around an abundance of cash if possible and certainly don’t allow onlookers to see large amounts of cash either. See this article on Cash in Mexico

Driving Permits

You will need Mexican insurance if you plan to do any driving in Mexico.  You may also need to register your vehicle and obtain a permit if you plan to drive in various states or territories of the country. See this article on the Mexican Permit Free Zone with a map!

Tijuana Border Crossing
Tijuana Border Crossing 1985

Language

If you’re not fluent in Spanish, be sure to learn some basic phrases to facilitate your travels.  While English is widely spoken in the tourist destinations of Mexico, anywhere off the beaten path could require a rudimentary knowledge of the language.  A simple phrase book or language dictionary should be included in your packing checklist.

Bring Directions with You

Since you may lose internet access from your cell phone while traveling in remote stretches, it’s a good idea to include maps in your suitcase or digital map on your device.  Mapping out your journey and itinerary beforehand is a good idea, too.  However, in the event of road closings or detours, a physical map of the intended region you plan to travel through should not be forgotten.

Come with Phone Numbers

When visiting Mexico or any foreign country, it’s important to have number of U.S. contacts in the event of an emergency.  Also, include the number for the U.S. consulate should you run into any trouble during your visit or lose your travel documents.  Be sure a close friend or relative also has important numbers for where you’ll be staying in case they need to contact you for any reason.

Health

The main health risk associated with travel to Mexico is water.  Drink bottled water to avoid any issues and be sure the restaurants you dine in wash their fruit and vegetables with filtered water.  In good hotels and resorts, this is not typically a problem.  If you have known health issues, be sure to include information regarding the nearest healthcare facility in the area you’ll be staying.  It can also be helpful to discuss your health with your doctor before traveling for any added advice relative to your condition.

Safety

Read about the stops on your travel itinerary.  Be sure to travel and stay in safe places.  It helps to keep a low profile when traveling; that is, try not to stand out with expensive cameras or luggage if possible.  Never look like a target and try to travel with someone or within a group if possible.  You can minimize threats of theft or worse by remaining aware of your surroundings at all times and staying on the beaten path.  Though Mexico is fascinating to explore, be sure that the area you plan to explore is designated as safe for tourists.