I am asking here to try to understand the exclusions and seek some advice from travelers that have had difficulties in getting reimbursed if they received medical assistance in a country/state where there was an advice against traveling. I think it is of general interest when Rving in a different country.
Most of those states we are just going through, some we are staying a day to a few days. The risk is not high and I could manage to wait to get medical treatment if possible in a state or town where I know there is no problem for medical assistance covered by my insurance. I also hear that medical assistance is not as expensive in Mexico.
There is actually a portion of the insurance stating that you are not covered or it will be at the discretion of the insurer to cover you or not if you "expose yourself to travel to a country, region or territory not recommended".
The same is explained if you get involved in many types of sports or competition or any activities that requires the Insured Person to sign a liability release form in the event of an accident or you sign a disclaimer in the event of an accident. Same with an accident resulting in alcool abuse.
There are a few exception in some states, here is the north advisory:
Global Affairs Canada advises against non-essential travel to the northern states of Chihuahua, Coahuila, Durango, Nuevo León (except the city of Monterrey), Sinaloa (with the exception of Mazatlán), Sonora (except the cities of Hermosillo and Guaymas/San Carlos), and Tamaulipas due to high levels of violence linked to organized crime.
