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MxPatriate

Dear Valued Customer:

Congratulations! As always, we thank you for your business.

We have finally negotiated for your benefit a new program in a way that has never been seen in Mexico before!

The insurer is AIG, under a new Program, MxPatriate Auto Plus by MexiPass, the most experienced U.S. Surplus Lines Insurance Broker, which provides you with the following improvements to the previous program:

  1. First of all, it is Mexico Insurance.... The American Way
  2. It's an All Risk Policy versus the limited "Named Peril" Standard Mexican Tourist Auto policy form we've been able to place before (there was no other option)
  3. It reads and works just as a normal U.S. Auto policy.
  4. Partial Theft is included for factory installed equipment. No other program cover partial theft.
  5. Vandalism is included. No other program covers Vandalism.
  6. You have the option to repair the vehicle in the United States (with allowance of US$ 50 per hour on labor and US$ 500 towing assistance)
  7. The policy includes Uninsured Motorist Bodily Injury (US$ 30,000) and Property Damage (Your Deductible) - remember that 86% of autos in Mexico are not insured. This is a unique concept in Mexico Insurance.
  8. It includes Immediate Response and Travel Coverages for events inside and outside the auto! that no other program has:
    • Accidental Death: US$ 5,000 per event, US$ 1,000 per person
    • Repatriation of remains: US$ 5,000
    • Medical Expenses for Illness: US$ 2,500 per event, US$ 500 per person
    • Hospital room for Emergencies: US$ 1,000 per event, US$ 100 per person
    • Medical Evacuation: US$ 2,500 per event
    • Road Assistance: US$ 400 per event, US$ 200 per person
    • Car Rental for Emergencies: US$ 50 per day, two days
    • Hotel room for Emergencies: US$ 50 per day, two days
    • Transportation towards destination: One way, once
    • Policy expiration extension: Three days
  9. The Legal Assistance service is Prepaid and by following the American wording it provides much broader coverage, such as Lawsuit expenses, Interest on damages, and it is above and beyond the limit, unlike previous limited programs that pay by reimbursement, forcing you to search, hire and pay your own attorney and all the additional legal expenses then get mexican legally valid documentation (something that most Expatriates are not familiar with) and then maybe get partially reimbursed in the U.S. months after the occurrence.
  10. You now have Automatic Coverage for a Replacement or any New vehicles, being brought into Mexico, under the same owner for thirty (30) days. Report them when you arrive in Mexico !

Have a pleasant stay in Mexico!

Best Regards,

Jaime González

Mexican Insurance.... The American Way!

 
MexiHome
AIG Mexico MexiHome

About MexiHome

American Standards of Insurance Coverage

Americans have achieved the highest level of insurance protection in the World.

Through many years of evolution, the insurance market in the United States has produced sophisticated insurance products to satisfy the needs of a demanding society of consumers. When Americans purchase an insurance policy in the United States, they enjoy the peace of mind of a contract with proven and tested forms and conditions that will guarantee the quality protection that they expect for their assets and their liabilities.

Traditional Mexican Insurance forms

Traditional Mexican Insurance policies are designed to be offered to their domestic market. This has resulted in insurance contracts that, while suitable for the demands of Mexican Nationals, do not offer the sophistication, quality and clarity of coverage and protection that Americans receive in the United States.

So, Americans should not compromise their standards by accepting Local Mexican insurance policies. Americans expect more and we believe that they deserve the level of insurance coverage that is available to them in the United States.

The MexiHome Difference

Attempting a "side by side" comparison between MexiHome and any other traditional insurance policy offered for homes in Mexico is certainly a challenging task and you’ve experienced it. The differences are just too many and complex to list!

The following are just some highlights of why MexiHome is the most suitable solution to protect you as a Home Owner in Mexico:

Policy Conditions: MexiHome reads just like the United States’ California H05 and Texas policy, a form that you and your Insurance Advisors can understand and feel very comfortable with.

Property Coverage: With MexiHome you obtain real all Risk coverage, Full Replacement Cost, True Theft coverage for ALL your personal property, no "funny exclusions" and Deductibles that are not based on Mexican "minimum wages".

Liability Coverage: Under MexiHome, your liability exposures are handled just like they would be under a United States policy. The Insurance Company "will defend you and pay on your behalf" for any claim against you in Mexico, even if groundless!

Catastrophic Coverage: If elected, MexiHome will automatically insure ALL your property exposures for Catastrophic Losses, for the same limits and values insured under the Property and Valuable Objects Sections!

A MexiHome Policy provides you with the proper insurance so that you, as an American, do not have to sacrifice or compromise your standards of protection and settle for an inferior coverage for your property and your liabilities as owner of a home in Mexico.

A few details about Mexihome Plus

MexiHome is a breakthrough product within the Mexican Insurance Market. This is a Homeowners Insurance Policy underwritten by AIG Mexico and exclusively designed for the growing number of Americans with homes in Mexico.

MexiHome provides the same standard of protection that is available under the preferred Homeowners Insurance Policies sold in the United States.

MexiHome looks, reads and feels like an American policy, with coverage that is not available in any other Policy offered for homes in Mexico.

PLUS, MexiHome includes useful Home Services and offers you the option to insure your property and valuables against Earthquakes, Hurricanes, Floods and Tsunamis under the same policy!

Policy Sections

1.- Property Coverage:

MexiHome covers your property in Mexico under the very broad "Special" or "All Risk" concept used in the United States, which means that all losses will be covered, unless they are specifically listed as excluded under the policy:

A.- Dwellings: Covers the Replacement Cost of the main structure of your Home.
PLUS, you may include coverage for other detached dwellings, such as Guest Houses, Caretaker Quarters and even Rental Units.

B.- Other Structures: Covers your other detached structures, such as Garages, Pool Rooms, Cabanas, Equipment Rooms, etc., all at their Replacement Cost.

C.- Personal Property: Your personal belongings will be covered anywhere in Mexico. Property owned by your guests or employees will also covered at your residence. All personal property is covered at Replacement Cost.

MexiHome includes automatic coverage for certain valuable property, such as money, securities, jewelry, fine arts, sporting equipment and property used for business purposes, up to special limits.

PLUS, you have the option to increase your coverage by listing any of your more valuable property under the Schedule of Valuable Property Section.

D.- Loss of Use or Rental Income: You will be covered for your additional living expenses and optionally for the loss of rental income if your home is involved in a covered property loss.

MexiHome also provides automatic coverage under the Property Section for Debris Removal, Reasonable Repairs, Trees, Shrubs and Plants, Property Removed, Credit Card Fraud and even Collapse of the buildings!

II. - Liability Coverage:

E.- Mexican Liability: MexiHome allows you to select limits of liability up to US$2,000,000 to protect you and your family members for any lawsuits or demands presented against you, anywhere in Mexico . Your legal defense is provided and paid by attorneys selected by the Insurance Company and you will not be subject to any deductibles.

F.- Medical Payments to Others: In order to reduce potential lawsuits you will be automatically entitled to spend up to $1,000 in necessary medical expenses for third parties or for your residence employees, for injuries that may be caused by you, a family member or residence employees, or even your family pet, anywhere in Mexico.

III.- Catastrophic Coverage:

G.- Earthquake & Volcanic Eruption;

H.- Hurricane, Cyclone, Windstorm & Hailstorm;

I.- Flood;

J.- Tidal Waves & Tsunamis

MexiHome allows you to optionally insure your dwellings, personal property, loss of use and scheduled valuables against losses due to any of the above catastrophic losses.

Coverage is for the Replacement Cost of your property, after the prescribed deductible and your percentage share of every loss; but this important coverage is readily available to protect you against such devastating events!

IV.- Scheduled Valuable Objects Coverage:

K.- Fine Jewelry;

L.- Silverware;

M.- Art Objects;

N.- Other Scheduled Objects:

Under this section you have the opportunity to include a list of any property of special value and property that exceeds the Special Limits provided under Coverage C. You will have the peace of mind of knowing that all your personal items in Mexico will be covered for their appropriate values.

V.- Home Services:

0.- Plumbing Service Calls;

L.- Locksmith Service Calls;

M.- Plate Glass Services;

N.- Other Home Repair Service Calls:

MexiHome covers up to $100 for any the above Home Service calls, up to five times during your policy year.

Just another way to assist you with your home protection needs in Mexico!

MexiPass Insurance Programs are underwritten by AIG-Mexico, a wholly owned subsidiary of the American International Group (AIG), the largest insurance group in the world, to fulfill the need for quality insurance protection for Americans in Mexico.

With MexiPass products you will have the peace of mind of having the best insurance coverage available for Americans in Mexico.

MexiPass offers American Standards of Insurance Coverage...for your Personal Autos, Homes, Boats, Umbrella or even Commercial exposures in Mexico.

...and MexiPass is made available to you, just like your other insurance at home, through the professional advice and services of your trusted Insurance Broker or Agent in Mexico or the United States, for policies, claims or any other need for insurance services in Mexico!

With MexiPass you will experience Mexican Insurance...The American Way!

Lic. Jaime A. González Monjaraz

Av. Camarón Sábalo #310 Local 12 y 13 - Tel: (669) 914-12-22 y 914-00-65
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Contacto

Av. Camarón Sábalo #310 Local 12 y 13 - Tel: (669) 914-12-22 y 914-00-65
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Llamanos al Tel: (669) 914-12-22 y 914-00-65

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Con mi seguro de Gastos Médicos, me ocupo en aliviarme y no me preocupo en cuánto voy a gastar para lograrlo. Adriana Martínez

 
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