Living in Cabo San Lucas: The Insurance You Actually Need
One of Mexico's highest expat concentrations with deep US-trained medical networks. If you spend three or more months a year in Cabo San Lucas, travel insurance is no longer enough. You want annually renewable international private medical insurance that covers ordinary life — GP visits, specialists, prescriptions, wellness checks, and pre-existing conditions after underwriting — plus the option to keep coverage in your home country for visits home.
Private Healthcare in Cabo San Lucas
Top private hospitals international residents rely on:
- AMC Hospitals Cabo
- Saint Luke's Hospital
- BlueNet Hospitals
GeoBlue's network is the most accepted across Cabo private hospitals. Both GeoBlue and IMG direct-pay at major private facilities in the region, meaning the carrier pays the hospital directly — you pay only your deductible.
Medicare and Provincial Plan Realities
Medicare covers nothing in Mexico. Canadian provincial plans pay only Canadian fee schedules for emergencies abroad — typically under 10% of a private Mexican hospital invoice. Long-term expat health policies are not tied to either system, so US and Canadian expats in Cabo San Lucas stay fully covered regardless.
What a Good Expat Policy Covers
Inpatient hospitalization and surgery, outpatient care and prescriptions, preventive wellness exams, emergency evacuation, and mental health. GeoBlue Xplorer adds no annual benefit limit outside the US, 100% preventive care outside the US, and unlimited 24/7 TeleMD telemedicine. IMG Global Medical adds tiered pricing and maternity riders.
How We Match You
Tell us your dates, ages, home country, and any pre-existing conditions. We quote GeoBlue (BCBS Global Solutions), Trawick International, and IMG side by side — the same prices you would pay direct, plus free broker support throughout your coverage. You enroll directly with the carrier.
Other Coverage Types for Cabo San Lucas
Also available: Travel medical plans for Cabo San Lucas · Expat health plans for Cabo San Lucas · Snowbird & senior plans for Cabo San Lucas. Or browse all 30 Mexico destinations.
Recommended Reading for Cabo San Lucas Residents
Does Medicare Cover Medical Care in Mexico? (The Full Facts) · IMSS vs Private Healthcare: Which Is Right for Expats? · Pre-Existing Conditions and Mexico Insurance