Travel Health Guide · Insurance Series
What Information Your Insurer Needs for a Medical Claim from Mexico
Travel insurers reject claims primarily due to missing or wrong documentation. Here is the comprehensive checklist of what your insurer needs.
Documentation about you
Policy number, insured’s full name, date of birth, dates of coverage, contact information.
Documentation about the medical event
Description of the medical issue, date of onset, what happened. Brief clinical summary from the treating physician.
Documentation about the care provided
Itemized invoice with diagnostic codes (ICD-10), procedure codes (CPT or equivalent), provider name and Mexican medical license, facility name and tax ID, dates of service, charges in USD, proof of payment.
Receipts and supporting documents
Original receipts (or scanned copies), prescription receipts for medications, ambulance receipts if applicable, imaging studies copies if relevant.
For evacuation/repatriation claims specifically
Medical necessity letter from treating physician, copy of insurer’s pre-authorization, transport company invoice with itemized charges, receiving hospital admission documentation.
Questions about insurance and billing in Cabo?
Call us — we explain what your travel insurance likely covers, how our billing works, and how to keep claims clean.
FAQ
What if I don’t have ICD-10 codes?
Request them from the provider — required for most international insurers.
Do I need to translate documents?
English documentation is preferred. Some insurers accept Spanish; we provide English versions free.
What’s the most common reason for denial?
Missing diagnostic codes, missing dates, illegible receipts. Get it right the first time.
Should I keep originals or send copies?
Always keep originals. Submit good-quality scanned copies.
What if I lost some receipts?
Contact the provider — they can re-issue. Our records are kept for re-issue.
Important medical note: This article is general information for travelers and is not medical advice. For an immediate life-threatening emergency in Mexico, call 911 first. For coordination of urgent care, hospital escalation, ground or air ambulance, or medical repatriation home to the USA or Canada, call our 24/7 bilingual line. Cabo Walk-In Clinic is COFEPRIS-licensed in Mexico; hospital and specialist care is delivered by an independent licensed hospital and its physicians. Travel-insurance reimbursement depends on your policy and your insurer’s review.