An insured wants to fly to Canada and then down to Mexico. Will he have coverage available for this trip?

• A. He cannot go outside the U.S.
• B. There is coverage in Canada, but not in Mexico
• C. There is coverage in Canada, and 100 miles into Mexico
• D. There is coverage in Mexico, but not in Canada

Answer: (C)

The main idea is how far the policy covers you when you travel outside the U.S. The policy in question expands coverage to neighboring countries, but with a mileage limit into Mexico. Specifically, you’re covered in Canada, and you’re covered up to 100 miles into Mexico. This means a trip beginning in the U.S., going to Canada, and then entering Mexico within that 100-mile band will still be covered; going deeper into Mexico beyond that distance would fall outside the policy’s coverage.

So the best statement is that there is coverage in Canada, and up to 100 miles into Mexico. The other options misstate the cross-border coverage by excluding Canada, excluding Mexico, or denying outside-U.S. coverage altogether.