The Snowbird Guide to Todos Santos
One of the highest expat-to-local ratios in Baja. A pueblo mágico of artists, surfers, and a large English-speaking expat community an hour north of Cabo. Every winter, hundreds of Canadians and Americans spend 3–6 months in Todos Santos — and almost all of them need better coverage than they assume.
Two Gaps That Catch Snowbirds
For Americans: Medicare provides zero coverage outside the United States. Your Medicare card is useless in any Mexican hospital. For Canadians: provincial plans reimburse emergencies abroad only up to Canadian fee levels (usually under 10% of a private Mexican hospital bill), and you must keep trips inside your province's annual absence limit to stay enrolled. Snowbirds need private travel medical insurance and disciplined day-counting.
Hospitals Serving Todos Santos Snowbirds
- Saint Luke's Medical Clinic Todos Santos
- La Paz/Cabo hospitals for complex care
Evacuation-inclusive travel and expat plans are the smart choice.
Pre-Existing Conditions
Trawick and IMG offer acute-onset pre-existing condition benefits on short-term plans; GeoBlue expat plans underwrite conditions explicitly so you know where you stand. If you take regular medications, we recommend quoting early — an experienced broker saves real money here, at no cost to you.
Typical Costs
A 65-year-old on a four-month winter stay in Todos Santos typically pays roughly $3–$8 per day for comprehensive travel medical — a fraction of any emergency room bill.
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 Guides for Todos Santos Snowbirds & Seniors
The Ultimate Canadian Snowbird Insurance Guide (OHIP Rules) · Medicare Coverage Facts for Mexico · GeoBlue vs Trawick vs IMG: Carrier Comparison