Parents and grandparents visiting from Mexico come for all kinds of reasons — a new grandchild, a wedding, the holidays, or a long stay with the family. Mexico is close, so visits are often frequent, and it's easy to assume a short trip needs no cover. But one fall, one chest pain, one emergency room visit in the US can cost more than most families expect.
Visitor medical insurance from Protect Travel pays toward emergency medical care in the US, up to a limit you choose. Here is how it works and what families from Mexico should think about.
Why cover from Mexico usually isn't enough
A seguro de gastos médicos bought in Mexico is generally built for care in Mexico, where prices are a fraction of US prices. Some parents buy an international travel policy before they fly — if yours did, check exactly what it pays in the US, how many days it covers, and what it says about existing conditions. If there is no cover, or the stay is longer than the policy, a US visitor plan fills the gap.
Who our visitor plans are for
- Visitors to the US who are not US citizens and live outside the US. Parents with Mexican or any other non-US citizenship can apply.
- Not for people who already live here. The plans are for a visit, not for someone who has moved to the US.
- Age limits and a maximum length of cover apply. The quote shows what is available for each parent's age and dates.
What the plans give you
- You choose a medical maximum and a deductible. A higher deductible lowers the price; the medical maximum is the number that protects the family.
- Emergency medical care and emergency medical evacuation are included.
- You can compare our visitor medical plans side by side on the quote.
Diabetes, blood pressure and heart conditions
- Routine care isn't covered. Check-ups, regular medicine and ongoing treatment aren't paid by visitor plans. Bring enough medicine for the whole stay.
- A sudden flare-up may be covered. Some plans cover a sudden, unexpected flare-up of an existing condition, with limits that depend on the plan and the visitor's age.
- Read the plan details. Plans set their own rules, so check them before you buy.
Our pre-existing conditions guide explains the idea. Terms, conditions, limitations and exclusions apply.
Buying it for your parents
You can buy the plan on their behalf online from the US. You'll need each parent's name, date of birth, US dates and Mexico as the home country.
Get a quote
Pick "Traveling to the US", enter each parent's age, the dates and Mexico as the home country. You'll see each plan's price for the medical maximum and deductible you choose. Questions? Call Protect Travel at 877-720-6696 (Mon–Thu 9am–5pm, Fri 9am–1pm ET) or email info@protecttravel.com.
Get a quote from Protect Travel →
Terms, conditions, limitations and exclusions apply. See the plan details on our website before you buy.
Frequently asked questions
Do parents visiting from Mexico need US health insurance?
A visitor visa or border crossing card doesn't require it, but without it your family pays US hospital bills in full — and US care costs far more than care in Mexico.
Won't their Mexican insurance or seguro médico cover them in the US?
Usually not, or not enough. Cover bought in Mexico is built for care in Mexico. Check what it pays in the US and for how long; a US visitor plan fills the gap.
Does visitor insurance cover diabetes or blood pressure?
Not routine care. Some plans cover a sudden, unexpected flare-up of an existing condition, with limits by plan and age. Terms, conditions, limitations and exclusions apply.
Can I buy the plan for my parents from the US?
Yes. You can buy it on their behalf online with their details and Mexico as the home country.
My parents cross the border often. Can a plan cover several visits?
A plan covers the dates you buy. For frequent short visits, ask us which option fits best. Terms, conditions, limitations and exclusions apply.
This guide is general information, not medical, legal or immigration advice.
Terms, conditions, limitations and exclusions apply. See the plan details on our website before you buy.