Living in Todos Santos: The Insurance You Actually Need
One of the highest expat-to-local ratios in Baja. If you spend three or more months a year in Todos Santos, 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 Todos Santos
Top private hospitals international residents rely on:
- Saint Luke's Medical Clinic Todos Santos
- La Paz/Cabo hospitals for complex care
Evacuation-inclusive travel and expat plans are the smart choice. 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 Todos Santos 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 Todos Santos
Also available: Travel medical plans for Todos Santos · Expat health plans for Todos Santos · Snowbird & senior plans for Todos Santos. Or browse all 30 Mexico destinations.
Recommended Reading for Todos Santos 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