What I Do For Expat Health Insurance in Mexico (And Travel Insurance Everywhere)

It can be overwhelming choosing an insurance provider. Deciding between plans and deductibles, comparing benefits, and trying to read the fine print (that too-often feels a bit like gibberish)… all while planning for the future and attempting to predict the unpredictable.

Most frustrating and anxiety-inducing for myself (and many other expats I know) was making sure I chose a plan and provider that actually fulfills claims and reimburses clients (or better yet: direct-pays to hospitals). There are too many stories of plans that talk the talk, but don’t walk the walk, and too many horror stories of clients and their families left in the lurch with an enormous bill their plan was supposed to cover.

Hospital Overseas Health Scare Rio de Janeiro
My Rio health scare – when my GeoBlue health insurance was zero help

I was frustrated with the lack of clarity and transparency, and the awful customer service after signing up with several of the companies I first tried. I bounced from plan to plan, hoping for something better. When I found Guardian Insurance MX, I became a big fan. Finally, agents who answered questions clearly, provided peace of mind, and even a dedicated 24/7 bilingual claims department to assist anytime I needed medical care!

I still use Guardian as my insurance representatives. But I’ve gone one step further over the past few years. I chose to get into the international insurance industry myself, and have been working with Guardian Insurance MX as an insurance representative.

International insurance representative Stephanie Kempker in blank top and wide skirt in Puerto Vallarta Mexico
Hi! I’m Stephanie Kempker, international health insurance representative

As an expat for nearly a decade, I’ve lived in Thailand and Brazil for around two years each, and Mexico for more than six. Because of my own personal experience living abroad, together with my professional experience as an expat therapist, I deeply understand (and have experienced many!) of the unique stressors and issues impacting expats in their daily life – INCLUDING and especially in the area of health care and health insurance.

I am here to help every client every step of the way in choosing the plan that best suits their life and budget, and provides peace of mind and quality of care. My strengths as an insurance advisor include professional, personalized, and prompt service paired with empathy, experience, and integrity – any of my clients would vouch for these qualities, and I look forward to serving each and every one of my clients in the same manner.  

Are you looking for insurance yourself? You can get started by emailing me here, or filling out some information on my secure form (click here for longterm or expat insurance; click here for short-term travel insurance), so that I can start putting together some quotes for you before following up with more information to help you understand your options and choose the plan that is best for you.


A short vacation in Thailand turned into a life abroad with a canceled ticket home. Nearly a decade later and after living in Bangkok, Rio de Janeiro, Puebla, and Puerto Vallarta, Steph is on to her next adventure and living back in beautiful, cosmopolitan Mexico City. She is living, traveling, and working (both as an expat therapist and an international health insurance representative) around the world to find the beautiful, inspirational, and interesting while sharing it with you!

Find me on: Web | Instagram | Facebook

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