Frequently asked questions about BMI travel insurance in Guatemala
General questions
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BMI Guatemala offers six travel plans, depending on how much and how you travel: Daily, Annual Multi-Trip, Family, Student, Long Stay and Corporate. They are travel insurance, not just assistance, and include advice before and after purchase.
Plan Designed for Age What sets it apart Daily Occasional trips or a single trip per year From 0 to 85 years Covers you only for the duration of the trip Annual Multi-Trip Those who take more than 3 trips a year — Annual term, 0 deductible, no paperwork before each departure Family Families of up to 5 members 2 adults over 21 and up to 3 children under 21 Family rate, more affordable than separate daily plans Student Studying abroad Enrollment up to age 45 0 deductible, 0 copay and 0 coinsurance Long Stay Trips of more than 90 consecutive days Under 65 Start and return dates tailored to you; network with direct payment Corporate Companies with frequent travelers From 20 to 74 years (enrollment up to age 74) 0 deductible, 0 copay and 0 coinsurance; covers jobs with occupational risk -
No. The insurance only stabilizes an emergency related to a pre-existing condition; it does not cover the condition itself.
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BMI has no involvement in the requirements set by the embassy of the destination country. Before traveling, check with the embassy what coverage it requires for your visa.
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Annual Multi-Trip has no deductible. Student and Corporate have no deductible, copayment or coinsurance.
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It is travel insurance that covers you only for the duration of your trip. It is ideal for occasional trips or a single trip per year, and it can be purchased from age 0 to 85, so it works at any stage of life.
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It is an annual travel insurance plan designed for those who leave and return to their country frequently: more than 3 trips a year. It is usually more affordable than paying for a daily plan for each trip.
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No. You don't need to fill out forms before each new departure.
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The lifetime maximum is reinstated on every trip, so each departure starts with full coverage. In addition, the policy has no deductible.
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Up to 5 members: 2 adults over 21 and up to 3 children under 21. The adults do not need to be spouses. If the family has more than 5 members, it is quoted under a daily plan.
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Yes. It has a family rate that is more affordable than purchasing a daily plan for each member, and it is easy to purchase.
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It is travel insurance for those who are going to study or specialize abroad. It covers you for the duration of your studies, with a broad network of providers worldwide and no deductible, copay or coinsurance.
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Up to age 45, which is the maximum enrollment age. For students, its rate is better than that of a long-stay plan.
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It is travel insurance for those who will spend at least 60 consecutive days outside their country of residence, for example expatriates on work assignments or people in training. The maximum duration is 365 consecutive days for people under 65 and 180 consecutive days for people aged 66 to 70. You choose the start and return dates, and you can visit several countries.
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People under 65 who will be outside their country for more than 3 consecutive months.
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No. It does not cover jobs that put the traveler's physical safety at risk. In return, it has a broad network of providers with direct payment.
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It is travel insurance for companies with executives who travel frequently. It has worldwide coverage, 0 deductible, 0 copay and 0 coinsurance, and covers jobs with occupational risk. The maximum enrollment age is 74.
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Yes. A company in Guatemala can use its corporate policy to insure employees who begin their trip in another country.
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The company manages it on its own through the BMI Cloud portal, and it has pre-sale and after-sale support and service.
Updated on October 27, 2026. For information purposes only; the clauses of the policy terms and conditions prevail.