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International Medical Coverage~Don’t Leave Home Without It!

One of the hot topic questions we receive from our Los O’Gradys in Mexico readers is about health care south of the border. Whether it is for travel or a move, people are understandably wanting to learn about the type, quality and cost of medical care in Mexico as well as the various insurance options.

Our experience for the past four years has been that minor things such as pediatrician visits, dental cleanings and vision checks for example, have been very affordable—$30.00 to $50.00 USD on average per appointment, depending on the specialty and treatment provided. 

But what about the unexpected, more costly events or emergencies—an accident, a catastrophic illness, an act of terrorism, or in my case, partial paralysis when two of my spinal discs herniated. When we immigrated to Mexico in 2012, I was 44, in great health and never in a million years did I think that destiny would leave me temporarily wheelchair bound in 2015.

An Unexpected Turn in Events

An Unexpected Turn in Events!

Out-of-pocket costs and upfront cash requirements can be very difficult and taxing on one’s bank account if something unforeseen and significant happens. Were I not to have had partial coverage through my husband’s retirement package, who would have been our preferred insurance carrier prior to leaving the States and beginning our expat lives? 

After researching various options, we found GeoBlue International & Travel Medical Insurance to offer incomparable coverage. Their international health plans are written on U.S. paper and are true global contracts with no border restrictions or coverage limitations. Once underwritten, the client has a six-month pre-existing safety net clause. Their renewal rates are the same as their new business rates which is not the norm in the insurance industry. 

For the outbound U.S. Citizen, GeoBlue has the clear advantage. 

Did you know? 

*U.S. domestic insurance has little or no ability to assist you while abroad. It is of utmost importance to read your certificate of coverage before a move.

*If a U.S. Citizen or legal resident is on an ACA Compliant plan it will terminate as soon the service area is exited—i.e. moving out of the country.  

*A simple evacuation can cost as much as $60,000 just to get a plane and crew to where you are at.  

GeoBlue International & Travel Medical Insurance provides coverage for Emergency Medical Evacuation including for injuries due to a terrorist event, which tragically is a reality of the world we live in right now. They maintain global networks in over 190 countries and have vetted providers that meet certain standards. GeoBlue makes arrangements for direct payment in whatever currency is needed and their concierge-level help is there to assist you throughout the whole process. 

Had I been covered with GeoBlue prior to my spinal surgery, I would have received full and complete coverage for my treatment, surgery and follow up care. If I had chosen to return to the United States for treatment and if I had elected the U.S. Coverage option, I could have gone to the U.S. for care. 

If you are planning to travel long term or live abroad, this may be the most important decision of your departure. Being properly prepared means being properly insured.

If you are interested in finding out more about GeoBlue International & Travel Medical Insurance, please contact Timothy Jennings at individualhealth.com. He is an authorized agent for GeoBlue, a stand-up gentleman of his word and will not lead you astray. Rest assured that you will receive an honest, solid quote for coverage and have all of your questions answered. Timothy is easy to talk to and makes an often complicated, layered issue easy to understand in a very straight-forward way.

With best wishes always for health & lots and lots of adventure,

~Katie O’Grady

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* Los O’Gradys in Mexico is proud to partner with GeoBlue, an International & Travel Medical Insurance Company of incomparable quality and sound reputation. We ONLY accept partnerships with entities that we feel 100% comfortable associating our name with, thus one of the reasons this platform in not filled with random advertisements. 

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{ 11 comments… add one }
  • Dianne Weber January 20, 2017, 8:38 am

    This is great! When I studied abroad I knew nothing about travel insurance and was concerned that the one I chose would fully take care of me if needed. Receiving a recommendation from a strong reputable source and the name and contact information of a trusted agent is invaluable. One of the biggest concerns of traveling abroad is what will happen if you become sick or injured. I no longer need to worry. Thank you Los O’Grady’s in Mexico!

    • Timothy Jennings January 20, 2017, 12:37 pm

      Hi Dianne… I wanted to extend one other thought about traveling and living abroad. Every bit as important as having proper cover prior to departure is the support systems that are in place to help the expat should they need medical care. One of the biggest areas that people overlook is… that if and when you are in need of care – where do you go to get it? How do you know the medical provider you see is qualified. What about local language barriers, and which facilities meet or exceed our western standards of care, what if qualified care is not available? Access to proper medical care is every bit as important as having the financial component covered. This is one of the single most important components to the GeoBlue product line for Expats. Access to care and a qualified guide to make sure they get you to the right place. I hope this is helpful!

    • Katie O'Grady January 21, 2017, 10:55 am

      Hi Dianne!
      I am so happy that this information has been helpful to you.
      Their Navigator plan offers great protection for students, providing comprehensive coverage for international travel/studies that lasts 3 months or longer.
      When our Reds get to this stage of their global learning, without a doubt we will ensure that their medical needs are covered by GeoBlue.
      Best to you and yours,
      Katie 🙂

  • John Ruff January 20, 2017, 8:54 am

    Awesome article. You brought my questions outo of the dark and into the light with the information answering them. I would have never known, really, where to begin with which Company for Insurance and peace of mind.
    I have always depended on your various articles , as great stepping stones , building a pretty solid pathway to full filling my mission in relocating to Mexico permanently.
    Thanks again Ms. Katie.
    John A. Ruff

    • Katie O'Grady January 21, 2017, 10:47 am

      Hi John!
      I am happy to know that I have helped to clarify some questions for you and that our platform serves as a resource for you as you plan your own reinvented/reinspired life in Mexico!
      The Insurance world can be very mind-boggling and confusing for sure.
      I appreciate that Timothy Jennings takes an otherwise complicated topic and breaks it down into a very comprehensible, easy-to-understand way.
      ¡Viva México!
      Katie 🙂

  • Amy Stark, aka A Traveling Broad January 20, 2017, 2:14 pm

    Great information, Katie! As a fellow blogger, travel enthusiast, and someone whose goal is to be “location independent” (aka a “digital nomad”), every bit of additional information and insight is of the utmost help. Thanks for the clarification!

    • Katie O'Grady January 21, 2017, 10:17 am

      Hi Amy!
      I am so glad that you found this information to be of help.
      Honestly, before I began looking into what it means to be fully covered in our expat lives—on BOTH sides of the border—I was in the dark as to the various considerations I am now clear about. With our upcoming Summer travel to the States for example, my hubby’s retirement coverage does not protect us north of the border.
      Seven Corners Liaison International however, does provide medical insurance for inbound travel to the States. We definitely don’t want to play with Murphy’s Law! Best to be protected and then rest assured that IF something unforeseen were to occur, that our medical needs will be taken care.
      Best to you in your digital nomad goals! I love your site, articles, style of writing, past and upcoming adventures!
      Best,
      Katie 🙂

  • Dr. Ken Druck January 21, 2017, 9:19 am

    Exceptional information I will want to share with my entire data base. Thank you.

    • Katie O'Grady January 21, 2017, 9:38 am

      Thank you so much Dr. Druck,
      Appreciate your sharing information that can truly benefit so many.
      Best Regards Always,
      Katie 🙂

  • Joe January 22, 2017, 7:56 pm

    This is really important and needed information if a person is genuinely serious about joining the wave of ex-pat retirees……thank you, I will be following this with interest.

    • Katie O'Grady January 23, 2017, 1:02 pm

      Hi Joe!
      Thank you for taking the time to read and comment!
      Hope to see you on this side of the border one day enjoying your own expat adventures!
      Best,
      Katie 🙂

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