travel insurance to cover mexico

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The Best Travel Insurance for Mexico in 2024

Allianz Travel Insurance »

Seven Corners »

Generali Global Assistance »

Trawick International »

WorldTrips »

Why Trust Us

U.S. News evaluates ratings, data and scores of more than 50 travel insurance companies from comparison websites like TravelInsurance.com, Squaremouth and InsureMyTrip, plus renowned credit rating agency AM Best, in addition to reviews and recommendations from top travel industry sources and consumers to determine the Best Travel Insurance for Mexico.

Table of Contents

• Allianz Travel Insurance
• Seven Corners

While Mexico is a lot closer to the United States than most other international destinations, that doesn't mean you don't need travel insurance. Travel to Mexico puts you at risk of many of the same perils you'll face in other parts of the world, including the prospect of becoming injured or ill during your trip, facing travel delays or flight cancellations , or dealing with baggage delays once you arrive.

Before you plan a relaxing getaway or adventure trip in a destination like Mexico City , Puerto Vallarta or Cancún , you'll want to have a travel insurance plan lined up and ready to go. Our advice? Start your search by comparing the following Mexico travel insurance plans and all they have to offer.

Frequently Asked Questions

Just like with other international trips, you should know that your own personal health insurance coverage will not apply in Mexico. The same is true if you have a government health plan like Medicare. (See our article on this topic for more information.)

At the bare minimum, you'll want to have travel health insurance that applies if you become sick or injured during your vacation. Other types of insurance coverage can also make sense for travel to Mexico, including coverage for trip cancellations, delays, lost baggage, missed connections and more.

Mexico travel insurance policies vary widely in terms of what they offer and how much coverage you get. Ultimately, you should compare plans side by side and make sure you're getting enough coverage for the type of trip you're taking and the specific risks you're taking on.

That said, common protections found in Mexico travel insurance plans cover:

• Baggage delays
• Emergency medical evacuation
• Trip cancellation
• Trip interruption
• Travel delays
• Lost luggage reimbursement
• Medical expenses
• Rental car damage

Some plans available for Mexico trips also include optional cancel for any reason (CFAR) coverage that reimburses you for part of your prepaid trip cost when you cancel your trip for any reason at all. Certain coverage options also provide protection for preexisting medical conditions if certain conditions are met, which is a factor you'll want to take note of if you or someone in your traveling party has a medical condition that could pose a problem on your trip.

• Allianz Travel Insurance: Best Overall
• Seven Corners: Best for Families
• Generali Global Assistance: Best for Medical Emergencies
• Trawick International: Best for Adventure Travel
• WorldTrips: Best for Nomads and Remote Workers

Option to purchase CFAR and preexisting medical conditions coverage

Kids age 17 and younger covered for free

Lower coverage limits for medical expenses than some providers

• $100,000 in coverage for trip cancellation (per traveler)
• $150,000 in coverage for trip interruption (per traveler)
• $500 in Trip Change Protector coverage
• $50,000 in emergency medical coverage (per traveler)
• $500,000 for emergency medical transportation (per traveler)
• $1,000 toward baggage loss or damage (per traveler)
• $300 in coverage for baggage delays of 12 hours or more (per traveler)
• $800 in protection for travel delays per traveler (daily limit of $200 applies)
• $100 per insured person, per day in SmartBenefits coverage for eligible delays
• 24-hour hotline assistance
• Concierge services

Optional CFAR and preexisting conditions waiver available

Coverage for up to 10 travelers in a single plan

Low coverage limits on Trip Protection Basic plan

• Up to $500,000 in coverage for emergency medical expenses ($750 emergency dental limit)
• $1 million in coverage for emergency medical evacuation and repatriation of remains
• Trip cancellation coverage worth up to 100% of the trip cost (maximum $100,000 per person)
• Trip interruption coverage worth up to 150% of the trip cost
• Trip delay coverage worth up to $2,000 ($250 per person, per day)
• $1,500 in coverage for missed cruise connections or tours (up to $250 per day)
• $2,500 in coverage for baggage and personal effects (limit per item of $250)
• Baggage delay coverage worth up to $500 (maximum $100 per day) after delays of six hours

CFAR and preexisting medical conditions coverages available

High coverage limits for medical expenses and evacuation

CFAR coverage only reimburses at 60%

Low emergency dental limit

• Up to $1 million in coverage for emergency medical evacuation and transportation
• $250,000 coverage limit for medical expenses ($500 limit for dental emergencies)
• 100% of trip cost for trip cancellation
• 175% of trip cost for trip interruption
• $1,000 per person for travel delays ($300 per person daily limit)
• $2,000 per person in coverage for baggage
• $2,000 per person in coverage for sporting equipment
• $500 per person for baggage delays
• $500 per person for sporting equipment delays
• $1,000 per person in coverage for missed connections
• Air flight accident accidental death and dismemberment (AD&D) coverage worth $100,000 per person (maximum $200,000 per plan)
• Travel accident AD&D coverage worth $50,000 per person (maximum $100,000 per plan)
• $25,000 per person for rental car damage
• 24-hour travel support
• Identity theft resolution services

Coverage for 450-plus sports and activities

Generous benefits for emergency evacuation

No CFAR option available with this plan

No preexisting conditions waiver

• Trip cancellation coverage for 100% of prepaid trip cost (up to $50,000)
• Trip interruption coverage for 125% of prepaid trip cost (up to $62,500)
• Trip delay coverage up to $1,000 for delays of 12 hours or more ($200 per day)
• Inconvenience benefits worth up to $500 per trip
• Medical coverage up to $100,000
• $10,000 in coverage for search and rescue (not available in New York)
• Up to $1 million in coverage for emergency medical evacuation
• Up to $3,000 in coverage for baggage and personal effects
• Baggage delay coverage worth up to $750 after a delay of 12 hours or more
• Sports equipment rental coverage worth up to $5,000 (not available in New York or Washington)

Useful medical coverage for frequent travelers to Mexico

Potential for high coverage limits for medical expenses

No coverage for trip cancellation

Available coverage limits vary by age

• Up to $250,000 in maximum coverage for illnesses and injuries
• Up to $100,000 in coverage for emergency medical evacuation
• $10,000 in coverage for political evacuation
• $1,000 in coverage for emergency dental expenses
• Up to a $20,000 lifetime maximum for repatriation of remains
• $5,000 in trip interruption insurance
• Up to $3,000 for lost checked luggage ($6,000 lifetime maximum)
• Travel delay coverage worth up to $100 per day after delays of 12 hours (two-day maximum)
• Personal liability coverage worth up to $25,000

Why Trust U.S. News Travel

Holly Johnson is a seasoned travel expert who has been creating content about travel insurance, cruises, all-inclusive resorts and more for more than a decade. She has visited more than 50 countries around the world and has an annual travel insurance plan of her own. Johnson also has experience navigating the claims process for travel insurance plans and has successfully filed several travel insurance claims for trip delays and trip cancellations more than once. Johnson works with her husband, Greg, who is licensed to sell travel insurance, and owns the travel agency Travel Blue Book .

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Travel Insurance

Mexico travel insurance 2024: Best plans and cost

Holly Johnson

Kara McGinley

“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.

Updated 9:17 a.m. UTC Nov. 13, 2023

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• The average cost of travel insurance for an eight-day trip to Mexico is $157. 
• Comprehensive travel insurance for Mexico should include coverage for trip cancellation, trip delay, trip interruption, travel medical, emergency medical evacuation and baggage loss.
• “Cancel for any reason” and “interruption for any reason” upgrades offer greater flexibility if you want to cancel or end your trip to Mexico early. 

Mexico travel insurance comparison

Travel insured.

Via TravelInsurance.com’s website

Top-scoring plan

Worldwide Trip Protector

Covers COVID?

Medical & evacuation limits per person

$100,000/$1 million

Atlas Journey Preferred

Seven Corners

RoundTrip Basic

$500,000/$1 million

Should I get travel insurance for my trip to Mexico?

Mexico is incredibly diverse, both in terms of geography and cultural makeup. It’s brimming with places to visit, from historic cities like Mexico City and Mérida to popular beach destinations like Puerto Vallarta and Playa del Carmen. 

Before you buy travel insurance for Mexico, consider the type of trip you’re planning. If your plans involve nothing more than drinking a cold Pacifico on the beach, a travel insurance plan with basic coverage may be sufficient. But if you want to hike in the mountains or go scuba diving, a more comprehensive travel insurance policy would be a good idea. 

Buying travel insurance for Mexico

The average cost of travel insurance for trips to Mexico is $157, according to data from Squaremouth, a travel insurance comparison provider. This is for an average trip length of eight days and an average trip cost of $2,837. 

In general, you can expect travel insurance to cost 5% to 6% of your total trip expenses.

Mexico travel insurance coverage options

A comprehensive travel insurance plan for Mexico will bundle together several types of coverage, from trip cancellation insurance to travel medical insurance. Here we’ll discuss common coverage options and the fine print you should watch for. 

Trip cancellation and trip interruption insurance 

Trip cancellation insurance can refund 100% of your prepaid, nonrefundable travel expenses if you need to cancel your trip, as long as it’s for a reason listed in your travel insurance policy.

Trip interruption insurance can reimburse up to 150% of lost prepaid costs. This benefit covers not only the cost of changing your flights to depart early—or buying a new, one-way ticket—but can also refund any prepaid, nonrefundable bookings you miss by cutting your trip short.

Learn more about airfares: Airfares

Common reasons covered by trip cancellation and trip interruption insurance include:

• Serious illness, injury or death of you, your traveling companion or a family member.
• Natural disaster that leaves your home or your destination in Mexico uninhabitable.
• Severe weather or strike that causes a cancellation or delay with an airline or cruise line.
• Unexpected loss of your job.
• Legal obligation such as jury duty or being required to appear as a witness.

Know more: Flight Cancellations

“Cancel for any reason” coverage

If you want the ability to cancel your trip for any reason, beyond those listed in your travel insurance policy, you might consider a “cancel for any reason” (CFAR) upgrade. 

CFAR coverage is an add-on to travel insurance plans that will increase your cost by about 50%. You can typically only purchase CFAR coverage within 15 days of making your first trip deposit.  

While you can cancel your trip for any reason with CFAR, you must do so at least 48 hours before departure. And when you file a claim, you’ll only be reimbursed 50% or 75% of your prepaid travel expenses, depending on your policy. 

Trip delay insurance

Trip delay insurance can reimburse you for incidental travel expenses if a travel delay causes you to incur additional expenses. 

“If a storm grounds your flight on the way to or from vacation, trip delay benefits may cover incidental costs, such as meals and even a hotel room,” says travel expert Joe Cortez, who works with Squaremouth.

Travel delay coverage usually has a waiting period before you can make a claim. This may be six or 12 hours, depending on your plan. 

You will also likely have a daily coverage limit and a maximum coverage limit. For example, this could be $150 in additional charges a day, up to $600 total, per person.

“Interruption for any reason” coverage

Some travel insurance companies also offer an “interruption for any reason” (IFAR) upgrade. This coverage is similar to CFAR. 

IFAR coverage lets you end your trip early for any reason and get reimbursed for a portion of your prepaid, nonrefundable travel expenses. Buying this upgrade will typically add 3% to 10% to the cost of your travel insurance.

If you decide to cut your trip short, IFAR coverage usually reimburses up to 75% of prepaid travel expenses. You may have to be a certain number of hours into your trip before you can call it quits and expect to get a refund. This waiting period might be 48 or 72 hours, depending on your policy. 

Travel medical insurance

Travel medical insurance is crucial for trips to Mexico. 

“Your American health insurance likely won’t follow you across the border, so make sure your travel insurance policy covers emergency medical costs in Mexico,” said Christina Tunnah, a spokesperson for World Nomads, a travel insurance company.

When shopping for travel insurance for Mexico, check to make sure plans cover the types of activities you’re planning. Some travel insurance plans exclude adventure sports or require you to purchase add-on coverage for high-risk activities. 

Tunnah says that in World Nomads’ most recent site survey, U.S.-based travelers who were planning trips to Mexico identified adventure activity cover (30%) and emergency assistance support (26%) as their “most important benefits.”

 “Our policies cover more than 150 activities, including scuba diving, snorkeling and even swimming with whale sharks, which are all popular activities in Mexico,” she says.

Squaremouth recommends you buy a plan with at least $50,000 in travel medical insurance, but there are plans that offer coverage of up to $500,000. 

Emergency medical evacuation 

While travel medical coverage is important for trips to Mexico, Carol Mueller of Berkshire Hathaway Travel Protection says it’s just as important to have a travel insurance plan that includes adequate emergency medical and medical evacuation coverage. This coverage can pay for emergency transportation in a helicopter, a plane or other modes of transportation if you become sick or injured in a remote area.

Choosing a plan that includes emergency medical evacuation can ensure you get transportation to the nearest adequate medical facility, even if that means getting evacuated back to the States, adds Mueller.

Because emergency medical evacuation is so expensive, limits on this coverage can be up to $500,000 or more. Squaremouth recommends you buy a travel insurance plan that has at least $100,000 in medical evacuation coverage.

Baggage insurance

Baggage loss covers your personal belongings if they are lost, stolen or damaged, up to your policy limits. 

Tunnah says that lost luggage claims tend to be more common in Mexico than in other destinations. 

Read your policy to know what is covered, your coverage limits and any exclusions. Baggage loss is secondary insurance, which means if the airline loses your bag, you’ll have to file a claim with the airline first. Baggage delay coverage can reimburse you for incidental travel expenses when your bags are temporarily delayed and you wind up paying for clothing and other essentials. This coverage typically has a waiting period, such as six,12 or even 24 hours before it begins. And it will have coverage limits, such as $200 per person.

Compare the best travel insurance offers

Mexico travel insurance faqs.

The average cost of travel insurance for an 8-day trip to Mexico is $157, per recent data from Squaremouth. This is for an average trip cost of $2,837.

For trips to an all-inclusive resort in Mexico, you should buy a travel insurance plan that includes trip cancellation and interruption insurance, trip delay insurance, travel medical insurance, emergency medical evacuation coverage and baggage insurance.

You should purchase travel medical insurance any time you travel internationally since your U.S. health insurance plan likely will not provide coverage abroad. Squaremouth, a travel insurance comparison provider, recommends you buy a travel insurance plan with at least $50,000 in travel medical coverage.

Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.

Blueprint has an advertiser disclosure policy . The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.

Holly D. Johnson is a personal finance expert and award-winning writer who covers a variety of insurance topics as well as general personal finance. In addition to her articles in Forbes, Holly is a featured author for CNN Underscored, Bankrate, Consumer Affairs and other notable publications. Johnson is also the founder of finance website Club Thrifty and the co-author of "Zero Down Your Debt: Reclaim Your Income and Build a Life You’ll Love."

Kara McGinley is deputy editor of insurance at USA TODAY Blueprint and a licensed home insurance expert. Previously, she was a senior editor at Policygenius, where she specialized in homeowners and renters insurance. Her work and insights have been featured in MSN, Lifehacker, Kiplinger, PropertyCasualty360 and more.

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Mexico Travel Insurance

Travel insurance for mexico.

Welcome to Mexico! A country brimming with vibrant colors, rich history and a tapestry of cultural marvels. From the ancient ruins of Chichen Itza to the sun-kissed beaches of Cancun, Mexico beckons millions of travelers each year to indulge in its diverse landscapes and warm hospitality. In this article, we will delve into the intricacies of travel insurance tailored for Mexico, ensuring your journey is not only filled with the enchantment of mariachi melodies and spicy cuisine but is also flexible against any unexpected twists. ¡Vamonos!

• What should your Travel insurance cover for a trip to Mexico? 
• How does Travel Insurance work for Mexico?
• Do I need Travel Insurance for Mexico? 
• How much does Travel Insurance cost for Mexico? 
• Our Suggested AXA Travel Protection Plan
• What types of medical coverage does AXA Travel Protection plans offer?
• Are There Any COVID-19 Restrictions for Travelers to Mexico?

Traveling with pre-existing Medical Conditions? 

What should your travel insurance cover for a trip to mexico.

At a minimum, your travel insurance should cover trip cancellation, trip interruption and emergency medical expenses. When it comes to international travel, the US Department of State outlines key components that should be included in your travel insurance coverage.  AXA Travel Protection plans are designed with these minimum recommended coverages in mind. 

• Medical Coverage   – The top priority is making sure your health is in order. With AXA Travel Protection, you can have access to quality healthcare during your trip overseas in the event of unexpected medical emergencies.    
• Trip Cancellation & Interruptions  – Assistance against unexpected trip disruptions can dampen the mood, AXA Travel Protection offers coverage against unforeseen events.   
• Emergency Evacuations and Repatriation   – In situations where transportation is dire, AXA Travel Protection offers provisions for emergency evacuation and repatriation.   
• Coverage for Personal Belongings  – AXA offers coverage for your belongings with assistance against lost or delayed baggage.   
• Optional Cancel for Any Reason  – For added flexibility, AXA offers optional Cancel for Any Reason coverage, allowing you to cancel your trip for non-traditional reasons.  Exclusive to Platinum Plan holders. 

In just a few seconds, you can get a free quote and purchase the best travel insurance for Mexico.

How does Travel Insurance work in Mexico?

Picture this: you're strolling through the lively streets of Oaxaca, immersed in the vibrant atmosphere of local markets and savoring the diverse flavors that Mexico unfolds before you. Suddenly, a wave of discomfort sweeps over you, signaling that the delectable street food might not have agreed with your stomach. As you grapple with feeling unwell, the assurance of AXA Travel Protection comes to the forefront. With AXA by your side, we stand ready to guide you to the nearest medical facility, ensuring you receive the care and assistance needed. Here’s the full list of how travelers can benefit from an AXA Travel Protection Plan:

Medical Benefits: 

• Emergency Medical Expenses: Should you fall ill or have an accident during your trip, your policy may offer coverage for medical expenses, including hospital stays and doctor's fees. 
• Emergency Evacuation & Repatriation: In case of a serious medical emergency, your policy may include provisions for evacuation to the nearest appropriate medical facility or repatriation. 
• Non-Emergency Evacuation & Repatriation : In non-medical crises (e.g., political unrest), your policy may cover evacuation or repatriation, subject to policy terms. 

Pre-Departure Travel Benefits: 

• Trip Cancellation: You may be eligible for reimbursement if you cancel your trip due to a sudden illness or injury. 
• COVID-19 Travel Insurance: Coverage is available for trip cancellation and medical expenses related to COVID-19, subject to policy terms and conditions. 
• Trip Delay: If your flight faces delays due to unforeseen circumstances, you may have coverage for additional expenses such as meals and accommodations. 

Post-Departure Travel Benefits

• Trip Interruption: In case of an unexpected event, you could be eligible for reimbursement for the unused portion of your trip.
• Missed Connection: If you miss a connecting flight due to delays or cancellations, this coverage may help with expenses like rebooking fees and accommodations.

Baggage Benefits: 

• Luggage Delay: If the airline delays your checked baggage, your policy might offer reimbursement for essential items like clothing and toiletries. 
• Lost or Stolen Luggage: In the unfortunate event of permanent loss or theft of your luggage, your policy may offer reimbursement for its value, assisting you in replacing your belongings. 

Additional Optional Travel Benefits:  

• Rental Car (Collision Damage Waiver): Exclusive to Gold & Platinum plan policy holders, this optional benefit gives travelers extra coverage on their rental car against damage and theft. 
• Cancel for Any Reason: Exclusive to Platinum plan policy holders; this optional benefit gives travelers more flexibility to cancel their trip for any reason outside of their standard policy. 
• Loss Skier Days: Exclusive to Platinum plan policy holders, this optional benefit offers reimbursement to mitigate some costs associated with pre-paid ski tickets that you or your traveling companion cannot use due to specified slope closures. 
• Loss Golf Days: Exclusive to Platinum plan policy holders, this optional benefit offers reimbursement to mitigate the expenses linked to prepaid golf arrangements that you or your travel companion are unable to utilize due to specified golf closures. 

Do I need Travel Insurance for Mexico?

Travel insurance is highly recommended for your trip to Mexico. While Mexico offers incredible experiences, having travel insurance can offer coverage against unforeseen events. Here are a few examples:

Medical Emergencies: Your health is a top priority. If you face a sudden illness or injury in Mexico, travel insurance offers the means to receive prompt and quality medical care.

Lost Baggage: Airlines sometimes mishandle baggage, and the last thing you want is to be without your essentials in an unfamiliar place. Travel insurance offers to cover the cost of replacing necessary items, allowing you to continue on.

Flight Delays: Travel disruptions like flight delays can happen. If you miss a connecting flight or incur additional expenses due to delays, travel insurance can help cover the costs.

How much does Travel Insurance cost for Mexico?

In general, travel insurance costs about 3 – 10% of your total prepaid and non-refundable trip expenses. The cost of travel insurance depends on two factors for AXA Travel Protection plans: 

• Total Trip cost:  The total non-prepaid and non-refundable costs you have already paid for your upcoming trip. This includes prepaid excursions, plane tickets, cruise costs, etc. 
• Age:  Like any other insurance type, the correlation is rooted in increased health risks associated with older individuals. It's important to note that this doesn't make travel insurance unattainable for older individuals. 

With AXA Travel Protection, travelers to Mexico will be offered three tiers of insurance:  Silver,   Gold  and  Platinum . Each provides varying levels of coverage to cater to individual's preferences and travel needs. 

Our Suggested AXA Travel Protection Plan 

AXA presents travelers with three travel plans – the  Silver Plan ,  Gold Plan , and  Platinum Plan , each offering different levels of coverage to suit individual needs. Given that Mexico hospitals often do not accept U.S. health insurance or Medicare, we genuinely recommend travelers to consider purchasing any of these plans, particularly for the crucial coverage they offer for emergency accident and sickness medical expenses.

The Platinum Plan  is your go-to choice if you're looking for extra coverage aligned with the Mexico experience. " Cancel for Any Reason " offers greater flexibility for those unexpected twists in your travel plans and the " Rental Car (Collision Damage Waiver) " offers assistance when you're out exploring the Mexico's stunning landscapes in a rental car.  Additionally, an optional benefit to the Platinum plan is Lost Golf Days. It can offer reimbursement if your tee time is delayed or canceled due to weather or construction.

What types of medical coverage do AXA Travel Protection plans offer?

Axa covers three types of medical expenses:

• Emergency medical expenses 
• Emergency evacuation & repatriation 
• Non-medical emergency evacuation & repatriation 

Emergency Medical: Unforeseen incidents that may occur, including unexpected illnesses, allergic reactions, broken bones, burns and more.

Emergency Evacuation and Repatriation: Can cover your immediate transportation home in the event of an accidental injury or illness. 

Non-Medical Emergency Evacuation and Repatriation: Can help with evacuation when an immediate departure from a destination is necessary due to non-medical-related events, such as civil unrest or natural disasters.

Are there any COVID-19 Restrictions for Travelers to Mexico?

Mexico has dropped all COVID-19 restrictions for travelers from the United States. However, upon entering, Mexico requires all travelers to register and submit a health declaration form. Travelers will receive a QR code at the port of entry. To stay up to date with visit Mexico’s Entry requirements visit: Mexico International Travel Information (state.gov) .

Traveling with preexisting medical conditions can complicate your plans, but with AXA Travel Protection, we're here to support you during your trip.

Traveling with pre-existing medical conditions can complicate your plans, but with AXA Travel Protection, we're here to support you during your trip.   Our Gold and Platinum  plans offer coverage for pre-existing medical conditions.  The Platinum plan, in particular, is our highest-offered choice for travelers who want our highest coverage limits and optional add-ons,

What does this mean for you? If you've got a medical condition hanging around, you can qualify for coverage under our Gold and Platinum plans with a pre-existing medical condition , so long as it’s within 14 days of placing your initial trip deposit and in our 60-day look-back period. We're here to ensure you travel easily, no matter your health situation.  

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1. can you buy travel insurance after booking a flight.

You can buy travel insurance even after your flight is booked.

2. When should I buy Travel Insurance for Mexico?

It's advisable to purchase travel insurance for your trip as soon as you have made your initial trip deposit (prepaid and non-refundable trip costs.) AXA Travel Protection offers coverage as soon as you purchase your protection plan. We can give coverage against unforeseen events before you leave for your trip. Additionally, our policies offer coverage for preexisting medical conditions and Cancel for Any Reason if you purchase your protection within 14 days of making your initial trip deposit.

3. Do Americans need travel insurance in Mexico?

No, travel insurance is not currently required to visit Mexico. But it is recommended.

4. What is needed to visit Mexico from the USA?

If you're visiting Mexico from the USA, all you need is your passport. Your passport needs to be valid at least six months beyond the date of your arrival.

5. What happens if a tourist gets sick in Mexico?

If you become sick in Mexico, travelers with AXA Travel protection can contact the AXA Assistance hotline at  855-327-1442 . Contact information is typically provided within the insurance documentation. Please ensure to read through your policy details and information.

Disclaimer: It is important to note that Destination articles are for editorial purposes only and are not intended to replace the advice of a qualified professional. Specifics of travel coverage for your destination will depend on the plan selected, the date of purchase, and the state of residency. Customers are advised to carefully review the terms and conditions of their policy. Contact AXA Travel Insurance if you have any questions.  AXA Assistance USA, Inc.© 2023 All Rights Reserved.  

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Best Travel Insurance for Mexico: Your Ticket to Peace of Mind

Jessica Merritt

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‌Best Mexico Travel Insurance for Young Travelers: Berkshire Hathaway Travel Protection

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Heading south of the border? Consider getting travel insurance before you pack your bags. Even though Mexico is a nearby destination with direct flights for many Americans, it’s still international travel, and you may benefit from a travel insurance policy that can protect your nonrefundable travel booking costs and offer medical support.

Although travel insurance can add to the cost of travel, it offers peace of mind and can safeguard you against unforeseen circumstances that pop up during your trip. A comprehensive travel insurance policy can provide financial protection for trip cancellations, medical emergencies, and unexpected travel disruptions.

Read on to learn why Mexico travel insurance is often a good idea, how much you’ll pay, what’s covered, and how to find the best policies.

The 5 Best Travel Insurance Policies for Mexico

The best travel insurance for Mexico should offer the coverage you need at a reasonable price. We’ve run the numbers for policy scenarios based on age, coverage, and activities so you can get an idea of what Mexico travel insurance policies look like.

Consider these travel insurance policies for your trip to Mexico:

Snapping up cheap travel insurance is fairly easy for young travelers, as insurance companies tend to offer favorable rates for young adults. We were quoted just $16 for a 25-year-old visiting Mexico . This Berkshire Hathaway Travel Protection ExactCare Lite plan offers relatively low trip cancellation coverage of up to $500 and up to $750 for trip cancellation. Still, it has $10,000 in secondary medical and $100,000 in medical evacuation benefits.

While seniors don’t get to take advantage of ultra-cheap travel insurance, Nationwide’s Essential plan offers good coverage at a reasonable price. For $93.95, a 65-year-old visiting Mexico can get trip cancellation coverage up to $2,500 and trip interruption coverage up to $3,125 . Primary medical coverage offers up to $75,000 in benefits, and there’s also $250,000 in medical evacuation benefits.

CFAR allows you to get reimbursed for nonrefundable travel expenses if you need to cancel your trip for any reason. Battleface’s Discovery Plan was quoted to us for $104.21 with up to $2,500 in CFAR trip cancellation coverage for a 45-year-old visiting Mexico. While it excels in trip cancellation coverage, this policy has no trip interruption coverage. Secondary medical benefits are up to $100,000, and medical evacuation coverage offers up to $500,000.

If you’re planning adventurous activities in Mexico, you need a travel insurance policy for adventure tours that will cover you even if you get hurt. A Travelex Travel Select plan — $136 for a 45-year-old visiting Mexico — covers activities such as scuba diving and hiking with up to $50,000 in primary medical coverage and $500,000 for medical evacuations.

If you’re concerned that COVID-19 might derail your travel plans before departure or while traveling, getting a travel insurance policy that covers COVID-19 is a good idea. We got a quote of $54 for Tin Leg’s Economy plan for a 35-year-old visiting Mexico . Tin Leg’s trip cancellation and interruption coverage of up to $2,500 includes COVID-19. The $20,000 in secondary medical coverage also includes COVID-19.

Travel insurance is worth it when you have significant nonrefundable travel expenses or concerns about the cost of medical care or evacuation at your destination . It’s also helpful if you might need travel assistance .

You might not be too worried about losing nonrefundable travel expenses if you’ve booked cheap travel deals to Mexico or if your bookings are fully refundable. But if you’ve booked costly Mexico travel plans that you can’t get refunded, travel insurance can give you flexibility and peace of mind if those plans change.

Even though Mexico is just across the border, you shouldn’t plan on your U.S.-based health insurance to offer coverage while you travel to Mexico. Travel insurance generally offers emergency medical coverage that can alleviate financial concerns if you get sick or hurt while in Mexico. That’s helpful if you pick up Montezuma’s revenge or mosquito-borne illnesses such as malaria or Zika virus .

For more serious concerns, medical evacuation coverage can get you to qualified medical care or bring you home. The availability of medical care in Mexico varies depending on where you’re visiting, so it could be a great distance to reach a medical facility equipped to treat you. Medical evacuations can be costly, and most travel insurance policies offer 6-figure benefits if you need them.

Cruise travel insurance can be beneficial if you’re planning a cruise to Mexico. Cruise travel tends to be unforgiving with refunds, and you could lose your deposit or more. Generally, cruise lines don’t offer refunds if you cancel within 14 or 30 days before your cruise. But if you have cruise travel insurance , you could get a refund.

While trip cancellation, trip interruption, and medical coverage are the primary benefits of most travel insurance policies for Mexico, travel assistance services can help you when you need it most. Generally, travel insurance assistance hotlines can help with medical referrals, emergency prescription replacement assistance, emergency cash, roadside assistance, travel rebooking, and more.

Expect to pay 5% to 10% of your total trip cost for comprehensive travel insurance for Mexico. For a $2,500 trip, for example, that’s $125 to $250. That generally includes trip cancellation and interruption coverage for at least the cost of your trip, emergency medical and evacuation coverage, and 24-hour travel assistance . However, your travel insurance costs can vary depending on factors that influence policy costs, including:

• Additional features such as CFAR
• Coverage options
• Deductibles and limits
• Travel destination
• Traveler age
• Trip duration

Read our guide to the average cost of travel insurance to learn more about travel insurance costs.

What Mexico Travel Insurance Covers

Travel insurance coverage depends on the policy you select, but you can generally expect comprehensive travel insurance for Mexico to include:

• 24/7 Travel Assistance: Whether you need help finding help in a medical emergency, need replacement credit cards or identification, or have to rebook travel, support is available from travel insurance hotlines.
• Emergency Medical: Travel insurance generally offers financial support for medical emergencies with primary or secondary medical insurance.
• Emergency Evacuation: Travel insurance can pay for costly emergency medical evacuations if you’re seriously ill or injured and need to be moved for medical care.
• Lost or Delayed Baggage: Baggage protection offers coverage if your baggage is lost, stolen, damaged, or delayed and you need to buy replacement items.
• Rental Car Damage: Some travel insurance policies can provide reimbursement if your rental car is damaged in an accident or stolen while you’re on a covered trip.
• Trip Cancellation: You can cancel your trip for covered reasons and get reimbursed for nonrefundable travel expenses.
• Trip Interruption: While traveling, trip interruption coverage can offer refunds for nonrefundable travel expenses if you need to cut your travel short.

With many options for travel insurance, you can customize your travel insurance for Mexico and choose as little or as much coverage as you need . Additional coverage options may include adventure sports or CFAR coverage, which allows you to cancel your trip for any reason and receive partial reimbursement.

CFAR coverage can be especially helpful if you’re traveling during hurricane season and want to be able to cancel your trip if there’s a chance of a storm hitting during your travel dates.

These coverages can add to your travel insurance policy’s cost, so if you’re hoping to get cheap Mexico travel insurance, limiting your policy to primarily trip cancellation and medical coverage may be helpful.

If you’re visiting an area of Mexico with travel advisories for crime and kidnapping , you might consider a kidnapping insurance policy . This type of policy, commonly known as kidnap, ransom, or extortion insurance, is more common for business travel than personal. It can pay a ransom if you’re kidnapped while traveling. Kidnapping coverage is generally not covered by comprehensive travel insurance, so you need a separate policy if you want this type of coverage.

As you shop for Mexico travel insurance policies, consider these important factors that can affect your experience, costs, and coverage:

• Cancellation Timeframe: Verify the cancellation window, which is how long before your trip you need to cancel it to receive full reimbursement.
• Cost: It’s a good idea to get multiple quotes from insurance companies to compare prices and coverage before choosing a policy.
• Coverage Availability: Check the policy’s coverage to make sure it has all of the coverage areas you want, such as trip cancellation and interruption, baggage protection, and emergency medical treatment and evacuation. Also, look for additional coverage options such as adventure sports and CFAR.
• Coverage Limits: Understand how much you’ll be reimbursed in specific situations, such as canceling your trip or needing emergency medical coverage.
• Customer Reviews: Read travel insurance reviews before you purchase your policy to find out how other customers have rated their experience with the provider.
• Eligibility: Check the fine print to make sure you and your trip are eligible for travel coverage depending on criteria such as age, trip duration, and preexisting conditions.
• Natural Disasters: Mexico is prone to hurricanes, so make sure your trip cancellation and interruption coverage applies to natural disasters.
• Policy Limitations: Travel insurance isn’t a blank check, so you should know what’s excluded and how much is covered. For example, a policy might not cover canceling your trip for work reasons, or medical coverage might not apply if you’re injured doing adventure sports.

You might travel to Mexico with a pet, as most pets don’t require a health certificate to enter Mexico . However, travel insurance policies rarely extend to pets, so you’re not covered if you need to cancel or interrupt your trip due to pet health, and pet medical expenses aren’t covered either. It’s best to get a pet health insurance policy that works internationally if you’re concerned about travel insurance coverage for your pet.

You may have the opportunity to purchase travel insurance when you book your travel, or you can shop independently for Mexico travel insurance.

Travel agents, airlines, and online travel agencies (OTAs) such as Expedia and Booking.com may give you the option to buy travel insurance at booking. These travel insurance policies are generally offered by third-party travel insurance companies working with the travel company. 

But before you buy travel insurance at booking, it’s a good idea to compare directly with travel insurance companies . You can do so by visiting the travel insurance company websites or using a travel insurance comparison engine such as Squaremouth , where you can get travel insurance quotes from multiple travel insurance companies simultaneously.

Just don’t wait too long to buy your policy: it’s best to buy travel insurance within 2 weeks of making your first trip payment so you can make the most of your coverage.

Also, consider whether you have travel insurance coverage from another source, such as your credit card. Many travel credit cards, such as Chase Sapphire Reserve ® and The Platinum Card ® from American Express , offer travel insurance benefits. Depending on your benefits, you could get coverage for trip cancellation and interruption, baggage delay or loss, rental car damage, medical treatment, medical evacuation, and more from your credit card. Just be sure to check policy limitations and exclusions and consider getting a travel insurance policy if your credit card’s coverage isn’t enough.

Visit our guide to learn about the best credit cards for travel insurance and protection .

Before you head down to Mexico, secure your trip with a travel insurance policy that can help with unexpected circumstances and assure you that you’re covered if anything goes wrong. Compare costs, coverage, and reviews to find the best Mexico travel insurance for your needs.

For rates and fees of The Platinum Card ® from American Express, click here .

Frequently Asked Questions

What insurance do i need to travel to mexico.

You should get comprehensive travel insurance for Mexico that includes trip cancellation and interruption coverage, along with coverage for medical emergencies, emergency evacuations, and 24/7 travel assistance.

Does my U.S. health insurance cover me in Mexico?

Some U.S. health insurance policies may cover treatment in Mexico, but it’s not common, and you should check your policy to be sure. In most cases, Mexican medical providers are not covered by U.S. health insurance companies, so it’s a good idea to get comprehensive travel insurance that includes emergency medical coverage.

What is usually covered by travel insurance?

Travel insurance commonly covers trip cancellations and interruptions, medical emergencies, baggage protection, travel delays, and emergency evacuations.

Is it safe to travel to Mexico?

Traveling safely in Mexico depends on where you’re going. While some areas in Mexico have elevated levels of crime and require more caution than others, there are many safe places to visit in Mexico. You should always exercise caution while traveling and pay attention to travel advisories .

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About Jessica Merritt

A long-time points and miles student, Jessica is the former Personal Finance Managing Editor at U.S. News and World Report and is passionate about helping consumers fund their travels for as little cash as possible.

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Top Travel Insurances for Mexico You Should Know in 2024

Byron Mühlberg

Monito's Managing Editor, Byron has spent several years writing extensively about financial- and migration-related topics.

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Known for its beautiful beaches, fascinating Maya and Aztec ruins, and delicious tacos and tostadas, Mexico is a country that offers a lot to visitors and expats from overseas. Although travelling to Mexico can be an accessible holiday destination for many people, out-the-pocket healthcare costs in the country tend to be expensive, so it's a very good idea to arrive there with travel insurance under your belt.

Luckily, online global insurances (known as 'insurtechs') specialize in cost-savvy travel insurance to Mexico and other countries worldwide. Our list below explores the four services we believe provide the best deals for young travellers, adventurers, everyday holidaymakers looking for comprehensive but affordable coverage, and longer-term expats.

Mexico Insurance Profile

Here are a few of the many factors influencing the scope and cost of travel insurances for Mexico:

Best Travel Insurances for Mexico

• 01. Should I get travel insurance for Mexico? scroll down
• 02. Best medical coverage: VisitorsCoverage scroll down
• 03. Best trip insurance: Insured Nomads scroll down
• 04. Best mix for youth and digitial nomads: SafetyWing scroll down
• 05. FAQ about travel insurance to Mexico scroll down

Heading to Mexico soon? Don't forget to check the following list before you travel:

• 💳 Eager to dodge high FX fees? See our picks for the best travel cards in 2024.
• 🛂 Need a visa? Let iVisa take care of it for you.
• ✈ Looking for flights? Compare on Skyscanner !
• 💬 Want to learn the local language? Babbel and italki are two excellent apps to think about.
• 💻 Want a VPN? ExpressVPN is the market leader for anonymous and secure browsing.

Do I Need Travel Insurance for Mexico?

No, there's currently no legal requirement to take out travel insurance for travel to or through Mexico.

However, regardless of whether or not it's legally required, it's always a good idea to take our health insurance before you travel — whether to Mexico or anywhere else. For what's usually an affordable cost , taking out travel insurance will mitigate most or all of the risk of financial damage if you run into any unexpected troubles during your trip abroad. Take a look at the top five reasons to get travel insurance to learn more.

With that said, here are the top three travel insurances for Mexico:

VisitorsCoverage: Best Medical Coverage

Among the internet's best-known insurance platforms,  VisitorsCoverage  is a pioneering Silicon Valley insurtech company that offers comprehensive medical coverage for travellers going abroad to Mexico. It lets you choose between various plans tailored to meet the specific needs of your trip to Mexico, including coverage for medical emergencies, trip cancellations, and travel disruptions. With its easy online purchase process and 24/7 live chat support, VisitorsCoverage is a reliable and convenient option if you want good value and peace of mind while travelling abroad.

• Coverage 9.0
• Quality of Service 9.0
• Pricing 7.6
• Credibility 9.5

VisitorsCoverage offers a large variety of policies and depending on your needs and preferences, you'll need to compare and explore their full catalogue of plans for yourself. However, we've chosen a few highlights for their travel insurance for Mexico:

• Policy names: Varies
• Medical coverage: Very good. Includes coverage for doctor and hospital visits, pre-existing conditions, repatriation, mental health-related conditions, and many others.
• Trip coverage: Excellent - but only available for US residents.
• Customer support: FAQ, live chat and phone support
• Pricing range: USD 25 to USD 150 /traveller /month
• Insurance underwriter: Lloyd's, Petersen, and others
• Best for: Value for money and overall medical coverage

Insured Nomads: Best Trip Coverage

Insured Nomads is another very good travel insurance option, especially if you're adventurous or frequently on the go and are looking for solid trip insurance with some coverage for medical incidents too. With Insured Nomads, you can choose the level of protection that best suits your needs and enjoy a wide range of benefits, including 24/7 assistance, coverage for risky activities and adventure sports, and the ability to add or remove coverage as needed. In addition, Insured Nomads has a reputation for providing fast and efficient claims service, making it an excellent choice if you want peace of mind while exploring the world.

• Coverage 7.8
• Quality of Service 8.5
• Pricing 7.4
• Credibility 8.8

Insured Nomads offers three travel insurance policies depending on your needs and preferences. We go through them below:

• Policy names: World Explorer, World Explorer Multi, World Explorer Guardian
• Medical coverage: Good. Includes coverage for doctor and hospital visits, pre-existing conditions, repatriation, and many others.
• Trip coverage: Good. Includes coverage for trip cancellation and interruption, lost or stolen luggage (with limits), adventure and sports activities, and many others.
• Customer support: FAQ, live chat, phone support
• Pricing range: USD 80 to USD 420 /traveller /month
• Insurance underwriter: David Shield Insurance Company Ltd.
• Best for: Adventure seekers wanting comprehensive trip insurance

SafetyWing: Best Combination For Youth

SafetyWing is a good insurance option for younger travellers or digital nomads because it offers flexible but comprehensive coverage at a famously affordable price. With SafetyWing, you can enjoy peace of mind knowing you're covered for unexpected medical expenses, trip cancellations, lost or stolen luggage, and more. In addition, SafetyWing's user-friendly website lets you manage your policy, file a claim, and access 24/7 assistance from anywhere in the world, and, unlike VisitorsCoverage, you can even purchase a policy retroactively (e.g. during a holiday)!

• Coverage 7.0
• Quality of Service 8.0
• Pricing 6.3
• Credibility 7.3

SafetyWing offers two travel insurance policies depending on your needs and preferences, which we've highlighted below:

• Policy names: Nomad Insurance, Remote Health
• Medical coverage: Decent. Includes coverage for doctor and hospital visits, repatriation, and many others.
• Trip coverage: Decent. Includes attractive coverage for lost or stolen belongings, adventure and sports activities, transport cancellation, and many others.
• Pricing range: USD 45 to USD 160 /traveller /month
• Insurance underwriter: Tokyo Marine HCC
• Best for: Digital nomads, youth, long-term travellers

How Do They Compare?

Interested to see how VisitorsCoverage, SafetyWing, and Insured Nomads compare as travel insurances to Mexico? Take a look at the side-by-side chart below:

Data correct as of 4/1/2024

FAQ About Travel Insurance to Mexico

Travel insurance typically covers trip cancellation, trip interruption, lost or stolen luggage, travel delay, and emergency evacuation. Some travel insurance packages also cover medical-related incidents too. However, remember that the exact coverage depends on the insurance policy.

No, you'll not be required to take out travel insurance for Mexico. However, we strongly encourage you to do so anyway, because the cost of healthcare in Mexico can be high, and taking out travel insurance will mitigate some or all of the risk of covering those costs yourself if you need medical attention during your stay.

Yes, medical travel insurance is almost always worth it, and we recommend taking out travel insurance whenever visiting a foreign country. Taking out travel insurance will mitigate some or all of the risk of covering those costs yourself in case you need medical attention during your stay. In general, we recommend VisitorsCoverage to travellers worldwide because it offers excellent value for money and well-rounded travel and medical benefits in its large catalogue of plans.

Health insurance doesn't cover normal holiday expenses, such as coverage for missed flights and hotels, but in case you run into medical trouble while abroad, it may cover some or all of your doctor or hospital expenses while overseas. However, not all health insurance providers and plans offer coverage to customers while abroad, and that's why it's generally best to take out travel insurance whenever you travel.

Although there's overlap, health and travel insurance are not exactly the same. Health insurance covers some or all of the cost of medical expenses (e.g. emergency treatment, doctor's visits, etc.) while travel insurance covers non-medical costs that are commonly associated with travelling (e.g. coverage for missed flights, stolen or lost personal belongings, etc.).

The cost of travel insurance depends on several factors, such as the length of the trip, the destination, the age of the traveller, and the level of coverage desired. On average, travel insurance can cost anywhere between 3% and 10% of the total cost of the trip.

A single-trip travel insurance policy covers a specific trip, while an annual one covers multiple trips taken within a one-year period. An annual policy may be more cost-effective for frequent travellers.

Yes, you can sometimes purchase travel insurance after starting your trip, but it is best to buy it before the trip begins to ensure maximum coverage. If you do need to buy insurance after you've started your trip, we recommend VisitorsCoverage , which offers a wide catalogue of online trip and medical insurance policies, most of which can be booked with immediate effect. Check out our guide to buying travel insurance late to learn more.

Yes, you can most certainly purchase travel insurance for a trip that has already been booked, although we recommend purchasing insurance as soon as possible aftwerwards to ensure all coverage is in place before your journey begins. Check out our guide to buying travel insurance late to learn more.

See Our Other Travel Insurance Guides

Looking for Travel Insurance to Another Country?

See our recommendations for travel insurance to other countries worldwide:

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Travel Insurance for Mexico – Best Insurance and Cost

Home | Travel | Travel Insurance for Mexico – Best Insurance and Cost

When traveling abroad, get a policy from one of the  best travel insurance companies . Y ou can get a  5% discount   on Heymondo , the only insurance that pays medical bills upfront for you, HERE!

Travel insurance for Mexico is one of the first things you should think about buying when you’re planning a trip to Mexico.

Lots of unexpected things can happen while you’re traveling: you can miss a flight, experience unexpected illness, or even lose your personal belongings. Without travel insurance to Mexico , you would have to buy a new plane ticket yourself, pay all your healthcare fees out of pocket, and replace your lost belongings at your own expense.

On the other hand, having Mexico travel insurance means that when something unforeseen comes up, you’re covered. Instead of having to pay for everything yourself, your insurance company will cover it for you. Also, you should always make sure that you have the best travel insurance with COVID-19 coverage just in case you need to quarantine or get tested during your trip.

Having travel insurance is not an entry requirement for Mexico, but it’s always a good idea to travel with some kind of travel insurance for Mexico , especially during the COVID-19 pandemic.

When we traveled to Mexico recently, we used   Heymondo  since it provides extensive coverage for an affordable price. For me, it’s the  best travel insurance for Mexico .

5% OFF your travel insurance

There are also plenty of other great options for travel insurance to Mexico depending on what you’re looking for, so keep reading to find out more about Mexico travel insurance  and enjoy one of the best destinations in Latin America .

Best travel insurance for Mexico

To sum it up, these are the best travel insurance for a Mexico trip :

• Heymondo – the best overall travel insurance for Mexico
• World Nomads – the cheapest travel insurance for Mexico
• IMG – a cheap Mexico travel insurance
• World Trips – an affordable travel health insurance for Mexico
• AIG – reliable insurance for travel to Mexico
• Travelex – a great travel insurance for Mexico

If you’re interested in travel insurance for other trips or countries, check out our guide to the best travel insurance companies .

Do I need travel insurance for Mexico?

You might be asking yourself, do I need travel insurance for Mexico? The answer is that it’s not an entry requirement to have travel insurance for Mexico, but you really shouldn’t travel without it . You can check our guide Is Mexico open for travel? for more information on Mexico’s entry requirements.

Of course, Mexico travel insurance is always great for covering trip delays, lost baggage, and medical emergencies, all of which are common travel mishaps that can be inconvenient and expensive to pay for yourself. Having insurance for travel to Mexico can help you avoid a lot of hassle and give you the peace of mind that comes from knowing your insurance has you covered.

Additionally, there are several common situations for tourists in Mexico where it would be particularly advisable to have travel insurance for Mexico :

• You could drink tap water or ice made from tap water and get extremely sick. Tourists are generally advised to avoid all tap water in Mexico. However, sometimes is difficult to avoid if you go to restaurants. If you drink tap water and become ill, the last thing you’ll want to worry about is having to pay your medical bills. Make sure to get insurance for traveling to Mexico so that you know you’re covered.
• Some areas in Mexico are not that safe. You could get pickpocketed or have your purse stolen. Instead of having to deal with the stress of replacing your valuables, purchase good travel insurance for Mexico that will cover any lost or stolen belongings.
• You could contract COVID-19, in which case you will need to cover testing, treatment, and extended accommodation fees if you have to quarantine. Reliable travel insurance for Mexico with COVID-19 coverage will ensure that you don’t have to pay for any COVID- related fees out of pocket.

Cost of Travel Insurance to Mexico

The cost of travel insurance to Mexico can be affected by a variety of factors: your age, your nationality, your state (if you live in the US), the length of your trip, and the cost of your trip. In general, the shorter and less expensive the trip you take, the more likely you’ll get cheap Mexico travel insurance .

However, some insurance policies’ prices, such as Heymondo ’s, are not based on the cost of your trip, so keep this in mind if you want a more stable and affordable price for your travel insurance to Mexico .

How much is travel insurance to Mexico?

To compare the cost of travel insurance to Mexico , we have used the example of a 30-year-old American who lives in Pennsylvania, who is traveling to Mexico for two weeks, and whose trip costs $2,500.

*Price used for example. Price of the travel insurance for Mexico will vary depending on the trip cost selected.

Best Travel Medical Insurance for Mexico

As you can see from the comparison chart above, Heymondo is the best travel insurance for a Mexico trip . Their policy offers the most extensive coverage in every category. Plus, they are the only company that pays travelers’ medical expenses directly instead of having them pay out of pocket and then file a claim. That’s why Heymondo is also the best travel medical insurance for Mexico .

You can even save 5% on Heymondo’s policies with the discount link below.

Before you decide which Mexico travel insurance to buy, keep reading to find out more about each insurance company and their policies’ coverage .

1. Heymondo , the best overall travel insurance for Mexico

Heymondo is by far the best travel insurance for a Mexico trip . Their coverage-to-price ratio is extraordinary since they offer an incredibly high amount of coverage for medical- and travel-related expenses while still being affordable.

Their policies are also the most convenient for health insurance while traveling in Mexico . Unlike most insurance policies, where travelers pay for medical expenses upfront and are only reimbursed after they file a claim, all Heymondo’s policies ensure that you won’t have to pay any medical fees out of your own pocket. Instead, Heymondo will pay the hospital or treatment center for you directly, so you don’t even have to worry about filing a claim.

Additionally, their policies can be customized to include electronic coverage, cruise coverage, and adventure sports coverage, so Heymondo is also the best travel insurance for Cancun, Mexico . To get your Heymondo insurance price, all you need to do is input your country of residence, destination, and length of the trip.

Below is an example of Heymondo Top coverage for a 30-year-old American traveling to Mexico for 14 days whose trip cost $2,500:

• Price : $70.75
• Upfront, out-of-pocket payments from travelers : No
• COVID coverage: Testing/treatment
• Emergency medical expenses : $250,000
• Repatriation : $500,000
• Trip cancellation: $3,500
• Baggage loss: $1,700

We have been using Heymondo as our travel insurance for years and can’t recommend it enough, but you can also check out our Heymondo travel insurance guide to learn more about our experience.

As an added bonus, you can even get a discount on Heymondo insurance just for being our reader .

2. World Nomads, the cheapest travel insurance for Mexico

World Nomads is the option for you if you want the cheapest Mexico travel insurance . Their plans are well-priced and offer a good amount of coverage for medical- and travel-related expenses.

They offer two plans: the cheaper Standard plan and the more expensive and comprehensive Explorer plan. Both plans include adventure sports coverage on top of the usual travel- and medical-related expenses like evacuation, trip delay, and emergency medical fees, so World Nomads is a great choice of Mexico travel insurance for adrenaline junkies.

However, while World Nomads insurance may be slightly cheaper than Heymondo ’s, their coverage amount in all categories is much lower. They also do not cover COVID-19 testing and only cover COVID-19 treatment if you can provide proof of diagnosis and illness from a doctor, so they are not the best option for travel insurance for Mexico with COVID-19 coverage .

On the other hand, like Heymondo, World Nomads doesn’t ask for much information when calculating your insurance price. All you need to do is input your country of residence, destination, length of trip, and age.

Below is an example of World Nomads Standard coverage for a 30-year-old American traveling to Mexico for 14 days whose trip cost $2,500:

• Price : $68.63
• Upfront, out-of-pocket payments from travelers : Yes
• COVID coverage: Treatment
• Emergency medical expenses : $100,000
• Repatriation : $300,000
• Trip cancellation: $2,500
• Baggage loss : $1,000

3. IMG, a cheap Mexico travel insurance

IMG is another fantastic option for cheap travel insurance for Mexico . They offer a wide variety of insurance options for travelers, from travel insurance like iTravelInsured Travel Lite, Travel SE, and Travel LX to medical insurance for travel to Mexico like Patriot International and Patriot Platinum International.

You may decide that you want medical travel insurance for Mexico without coverage for travel-related expenses like trip delay and baggage loss. In that case, IMG offers the cheapest travel medical insurance for Mexico with their Patriot International and Patriot Platinum International plans.

However, keep in mind that you will have to pay your medical expenses out of pocket and then file a claim, unlike Heymondo .

To get your IMG travel insurance to Mexico price, you will need to enter the length of your trip, the coverage area, your age, your gender, your country of residence, your citizenship, your state of residence (if you live in the US), and your trip cost.

Below is an example of IMG iTravelInsured Travel Lite coverage for a 30-year-old American traveling to Mexico for 14 days whose trip cost $2,500:

• Price : $69.00
• Repatriation : $250,000
• Trip cancellation: 100% of $2,500 (trip cost used for example)
• Baggage loss : $750

4. World Trips, an affordable travel health insurance for Mexico

World Trips (formerly known as Tokio Marine) offers relatively affordable insurance for traveling to Mexico . They offer three different types of travel insurance, Atlas Journey Economy (the cheapest), Atlas Journey Preferred, and Atlas Journey Premier (the most expensive), as well as medical-only travel insurance for Mexico .

World Trips is also one of the best travel insurance for pre-existing conditions as long as their plan is purchased within 21 days of the initial trip payment date, so they are a great choice for anyone with a pre-existing condition. They also offer “Cancel for Any Reason” coverage with their Preferred and Premium plans, which is helpful if you think you may have to cancel your trip due to a reason that is not injury, death, illness, or a natural disaster.

In order to get the cost of World Trips’ travel insurance to Mexico , you must input your age, state of residence (if you live in the US), trip dates, trip cost, and date of initial trip payment. Because your insurance price depends on your trip cost, World Trips’ insurance for travel to Mexico will be more expensive if your trip costs more, unlike Heymondo , which doesn’t base Mexico travel insurance prices on trip cost.

Below is an example of World Trips Atlas Journey Economy coverage for a 30-year-old American traveling to Mexico for 14 days whose trip cost $2,500:

• Price : $78.00
• Emergency medical expenses : $25,000

5. AIG tRAVEL gUARD, reliable insurance for travel to Mexico

AIG provides great travel insurance to Mexico from the USA . Their Travel Guard Essential, Preferred, and Deluxe plans are all geared toward American travelers who are visiting Mexico.

AIG Preferred and Deluxe plans can be upgraded to include “Cancel for Any Reason” coverage, and their trip interruption coverage is up to 150% of the insured trip cost. However, their overall coverage-to-price ratio is not the best, since they offer some of the lowest coverage at the most expensive price.

AIG also requires a lot of information in order to obtain your cost of travel insurance to Mexico , so it is not the most convenient travel insurance to Mexico . You must enter your destination, mode of transportation, dates of the trip, state of residence (if you live in the US), date of birth, trip cost, and initial payment date.

Below is an example of AIG Travel Guard Essential coverage for a 30-year-old American traveling to Mexico for 14 days whose trip cost $2,500:

• Price : $116.48
• Emergency medical expenses : $15,000
• Repatriation : $150,000

6. Travelex, a great travel insurance for Mexico

Travelex is another good choice for travel insurance to Mexico from the USA. Like AIG, Travelex’s insurance is designed for Americans who are traveling internationally.

They have two plans: the cheaper Travel Basic Plan and the more expensive Travel Select plan. Besides typical medical- and travel-related coverage, the Basic plan includes a frequent traveler benefit, and the Select plan even offers license fee reimbursement and sporting equipment delay coverage.

On the other hand, Travelex offers the lowest coverage out of all the companies I compared for a price that’s pretty much the same as others that offer higher coverage.

You must enter your destination, US state of residence, trip dates, age, and trip cost to get the price of your Travelex Mexico travel insurance .

Below is an example of Travelex Travel Basic coverage for a 30-year-old American traveling to Mexico for 14 days whose trip cost $2,500:

• Price : $76.00
• Repatriation : $100,000
• Baggage loss: $500

What Travel Insurance Do I Need for Mexico?

It may not be an entry requirement to have travel insurance for Mexico , but you should not travel to Mexico without some kind of Mexico travel health insurance coverage.

Now that I’ve compared all of the different options for travel insurance to Mexico , you can see that Heymondo has the best travel insurance for Mexico  since their policies offer the highest amount of coverage while still being very affordable. Plus, remember that you can get Heymondo insurance at an even more affordable price with our reader discount.

I hope this article helped you learn more about the best travel insurance to Mexico. If you have any questions about Mexico travel insurance , leave a comment below and I’ll happily answer your question!

Don't miss a 5% discount on your HeyMondo travel insurance  

and the only one that pays all your medical bills upfront for you!

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2 replies on “ Travel Insurance for Mexico – Best Insurance and Cost ”

Thank you for the valuable insights on Mexican insurance! If you’re seeking a highly reliable insurance agency, I recommend checking out MexInsurance, recognised as the top Mexico auto insurance agency nationwide.

Hi Charles, Thanks for the tip! At the end of the day, I think it’s 100% worth investing in travel insurance for Mexico, so I appreciate the suggestion 🙂

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• Destinations

Mexico Travel Insurance Requirements

Last updated: 03/07/2024

Do You Need Travel Insurance to Visit Mexico?

Travel insurance is not currently required for U.S. citizens to enter Mexico. However, many travelers elect to purchase travel insurance for both peace of mind and financial protection before heading south of the border.

A good travel insurance plan can provide reimbursement if your trip is impacted by unexpected travel disruptions. The most common reason why Americans insure their Mexico vacations is for coverage for medical emergencies, cancellations, and delays.

How Much Is Mexico Travel Insurance?

The cost of Mexico travel insurance coverage is primarily determined by five key factors; your total trip cost, the age of travelers on the policy, your trip length, the type of policy, and the total coverage amounts.

On average, Squaremouth customers spend $150 – $200 on travel insurance for Mexico trips.

Finding the Best Policy For Your Mexico Trip

With major cities, nature retreats, and beach escapes on offer, a trip to Mexico can differ dramatically from one traveler to the next. The best travel insurance policy will depend on your specific itinerary.

With that said, we recommend the following travel insurance benefits to anyone visiting Mexico, regardless of your travel plans:

• Trip Cancellation : Provides reimbursement for prepaid, non-refundable trip costs if you need to cancel your trip for a covered reason before you depart. Common reasons include an unexpected injury, illness, or death to a family member.
• Emergency Medical : Covers the cost of unexpected medical expenses while traveling, such as hospital bills, ambulance rides, and x-rays, among others. We recommend at least $50,000 in Emergency Medical insurance for your trip.
• Medical Evacuation : Covers the cost of emergency transportation to another medical facility or back to your home country if a treating physician deems it necessary for more adequate treatment. We recommend at least $100,000 in Medical Evacuation insurance for your trip.
• Travel Delay : Can reimburse the cost of food, accommodations, and transportation if a flight is significantly delayed. The best trip delay plans will apply coverage after a delay exceeds three hours.
• Baggage & Personal Item Loss : Offers reimbursement if your baggage is delayed, lost, or stolen at any point during your trip.
• Rental Car Damage : If you plan on renting a car in Mexico, some travel insurance providers offer plans that cover damage to the vehicle.
• Sports & Activities : Extends key benefits to travelers planning on partaking in activities that are typically excluded from coverage, such as scuba diving , surfing, and mountaineering.

Click here to start a Mexico travel insurance quote.

Other Mexican Entry Requirements to Consider

A valid passport is required to enter Mexico. Travelers planning on staying longer than 180 days will also need to present a tourist visa upon entry.

Mexico Safety & Travel Tips

Mexico is one of the most popular tourist destinations among Americans. However, it’s important to exercise caution and be prepared for any potential dangerous situations that can arise.

Crime in Mexico

According to the U.S. Department of State , areas of Mexico have a high risk of violent crime. Travel advisories vary depending on the region of the country you are visiting. Travelers should exercise caution, especially in the night time where crime is more likely.

Even in areas that are friendly to tourists, it’s important to keep money and other valuables out of plane sight. Keep emergency contact numbers saved on your phone, and be sure to notify friends and family of your travel plans.

Food & Water in Mexico

Avoid drinking tap water while in Mexico unless the hotel or restaurant uses a purified water source. The same goes for ice cubes. To be safe, always elect for bottled water when possible.

Mexican food is delicious and safe to eat when prepared correctly. To be on the safe side, steer clear of leafy greens, fruits, and other produce that may have been cleaned under tap water.

Mexico Weather & Natural Disaster Concerns

Hurricanes and earthquakes are among the most common natural disasters that occur throughout Mexico. Hurricanes are more likely on the Gulf Coast, while earthquakes typically occur on the Pacific Coast.

Before leaving for your trip, be sure to check the forecast and news for any major weather updates. Many comprehensive travel insurance plans include coverage for natural disasters and other extreme weather events that may occur before or during your trip.

FAQs For Americans Planning a Mexico Trip

When is the best time to visit mexico.

The most popular time to visit Mexico is during the country’s dry season, which typically spans from December to April. During this time of the year, rain is minimal and temperatures are comfortable.

While temperatures may be high during the summer, there are typically less crowds during this time of year and it is possible to find good deals on hotels and airfare.

What Are the Most Popular Cities in Mexico for Tourists?

Whether you’re in the mood for beach, nightlife, nature, or cities, Mexico has something to offer every traveler. From the Yucatan Peninsula to Baja California, below are 10 of the most popular Mexican destinations.

• Cabo San Lucas
• Mexico City
• Playa del Carmen
• San Miguel de Allende
• Puerto Vallarta
• Guadalajara

What Language Do They Speak in Mexico?

Spanish is the primary language spoken in Mexico. Dialects of the​​ Aztecs, Mayans, and other tribes can also be heard throughout the country.

It is beneficial for you or your travel companions to speak the local language. With that said, many tourist regions of the country are accommodating to English speakers.

Do You Tip in Mexico?

Much like here in the USA , tipping is expected in most parts of Mexico. This applies to servers, tour guides, bartenders, and other service and tourism industry workers. As a rule of thumb, it’s recommended to tip between 10-20% for a job well done.

Important Contact Information & Resources for U.S. Citizens Visiting Mexico

U.S. Embassy Mexico City Paseo de la Reforma 305 Colonia Cuauhtemoc 06500 Ciudad de Mexico Mexico

800-681-9374 Embassy Website

U.S. Department of State Mexico Travel Advisory

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Squaremouth's destination information is free and available for use within your reporting. Please credit Squaremouth.com for any information used.

Squaremouth's topic experts are on hand to answer your questions. Contact a member of our team for media inquiries about Squaremouth Analytics or to schedule an interview.

Steven Benna, Lead Data Analyst: [email protected]

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The Best Travel Insurance for Mexico

Disclaimer: This page may contain affiliate links. If you make a purchase using one of those links, I may earn a commission at zero cost for you. Please see my disclaimer policy here, and my privacy policy here.

Are you traveling to Mexico? This post on the best travel insurance for Mexico will help you figure out how to choose the right insurance for you.

Because you do need travel insurance when you travel to Mexico or anywhere else!

That is why getting travel insurance should be on your pre-travel checklist!

You wouldn’t want a cancellation, medical emergency, or stolen luggage to ruin your vacation and decimate your holiday savings! In this post, I’ll cover everything you need to know to get the best travel insurance for Mexico.

Mexico is full of fascinating cultures, fun, expressive, and passionate people, delicious food, and intriguing traditions.

Even though Mexico is fairly safe and friendly, any time you’re traveling in a foreign country, you never quite know what will happen.

SafetyWing Travel Insurance Company Special Features

Silver nomads plan: ages 70+, ► protect your investment, do i need mexico car insurance, crime concerns, the ultimate packing list for mexico.

You could get “Montezuma’s Revenge” from eating at the wrong restaurant, (or for just eating) need to return home early because of a family emergency, or have an accident.

Hopefully, none of these things will happen to you, but you’ll rest easier knowing you are prepared for anything life might throw your way!

That’s why it’s so important to get travel insurance, in case you need to stay in Mexico longer, or in case you must delay your trip.

It’s also important to have insurance to cover accidents, emergencies, or lost or stolen baggage.

You’ve probably saved up a lot for this special trip to Mexico! It makes sense to spend a little more in order to protect your investment.

Plus, you’ll give yourself a healthy dose of peace of mind as well! And you will enjoy your trip more.

Top 2 Best Mexico Travel Insurance Companies that I recommend

The three best Mexico travel insurance companies are SafetyWing , and TravelInsuranceMaster to compare different travel insurance companies.

I’ll talk about the advantages of each one, and the reasons you might choose a particular plan or company over another. Let’s dive in!

Best Travel Insurance for Mexico Digital Nomads

If you are a digital nomad living in Mexico, I think SafetyWing is your best bet! This is a favorite company for anyone who plans to stay (or live) in Mexico for a long period. 

SafetyWing Mexico travel insurance policies start as low as 40 USD a month, which is an awesome deal!

SafetyWing meets the medical and travel needs of digital nomads.

SafetyWing Nomad’s Main Inclusions

This insurance covers unexpected illness and injury, including:

✔ Hospital bills

✔ Intensive Care

✔ Ambulance

✔ Urgent Charges

✔ Physical Therapy/Chiropractor

✔ Emergency Dental

COVID-19 Coverage includes

✔10 days of Quarantine

✔ *If ordered in advance by a physician

Trip Insurance coverage includes:

✔ Trip Interruption

✔ Travel delay (accommodation)

✔ Lost check luggage

✔ Political evacuation

✔ Emergency medical evacuation coverage

✔ Personal liability

✔ Accidental death & dismemberment

✅ You can purchase SafetyWing insurance even after your trip has begun. This can come in handy if you have to change providers, or forgot to purchase a travel insurance policy.

✅ SafetyWing will cover you for 30 days in your home country (or 15 days if the United States is your home country). This is handy if you need to return briefly to your home country, experience travel delays, etc.

✅ SafetyWing will cover two children under the age of 10 in your policy free of charge.

✅ You can pay for a specific trip, or pay on a rolling month-to-month basis, subscription style. Choose whichever is the best way for you!

▼ Get a free quote from Safety Wing here ▼

Check out what else you need to pack for mexico besides your travel insurance….

Wondering what to pack for your trip to Mexico? In this article, I am sharing the essential travel packing list for Mexico for every climate and season.

Best Mexico Travel Insurance for up to 69 ys old

If you are over sixty years old, consider Using Travel insurance Master as you can type your age in the form and the system will select all the insurances that will cover you.

Safety Wing also plans for up to 70 ys old

The safety wing nomad insurance also offers a plan for over 60s and below 70 starting from 150 USD per month.

The inclusions are the same described above.

If you are seventy years old or older, the best option would be using the Travel Insurance Master because it gives you the option to include all your details and what you want to include in your insurance and the system will select those ones that have the plan you ask for among many different insurance companies.

So you can include trip cancellation, trip interruption, medical expenses, and baggage loss coverage. You’ve got plenty of adventure left in you yet!

Best Travel Health Insurance for Remote Companies

If you run a business out of Mexico with remote workers and want to include a benefits package, SafetyWing has a great option called Remote Health .

This plan is a fully equipped health insurance plan that lets you add all team members to the same plan, no matter where they live.

You can add and remove workers at any time, and give dynamic coverage depending on whether they are full-time, part-time or contract workers.

Prices go down as your company grows. You can choose optional add-ons such as dental, maternity, and vaccinations. They also offer 24/7 medical assistance should you need it. Pretty cool.

Best Mexico Travel Insurance Search Tool

Choosing the best Mexico travel insurance isn’t always easy. That’s why I recommend you use this great search tool, if the above option didn’t satisfy your needs.

Travel Insurance Master is an excellent way to check rates for multiple travel insurance companies at once. Answer a few straightforward questions, and the system will recommend the best ten providers to meet your specific needs.

▼ Click on the Banner to get a free insurance quote from TIM! ▼

5 reasons you should buy travel insurance for Mexico

There are lots of reasons why buying travel insurance is a good idea. Here are the top five reasons you should seriously consider purchasing Mexico travel insurance plans.

► Unexpected Medical Expenses

Medical emergencies are a big reason to get Mexico travel insurance plans. To receive good medical care in Mexico you will need to go to private hospitals and medical institutions and they are very expensive.

Without travel insurance, you’ll either have no coverage for the procedure or have to pay all your medical costs upfront and then submit a claim to your medical insurance company, if they cover that.

► Flight Changes or Trip Cancellation

If you need to cancel your trip, experience a travel delay, or need to change flights, travel insurance can help cover these costs.

Sometimes your travel insurance can help cover the cost of hotel rooms if your flight is canceled or your travel plans are thrown for a loop.

► Baggage Loss

If your baggage gets lost or stolen on your trip, that would be a big bummer! Some travel insurance plans can help cover the extra cost of recuperating or replacing stolen belongings.

► U.S. State Department Recommends It

If you have an emergency overseas, your embassy can help, but that help only goes so far! 

The U.S. Embassy can connect you to local resources (such as getting you police contact numbers or recommending a medical facility), contact your family at home, and replace a stolen passport, but they DON’T pay for emergency evacuation (except in rare large-scale emergencies) or for your medical expenses.

Going on a trip is an investment. It’s an investment of money, but it’s also an investment in your happiness. 

It can be hard to spend more money on something you aren’t sure you’ll need, but it would be really sad for a minor (or major) mishap to ruin your trip or make you lose all the money you’ve put into airfare, etc.

How to choose the best Travel Insurance for Mexico: tips

✔ Consider what type of coverage you want. Do you want the minimum possible? Do you want a bunch of add-ons? Would you like to include adventure sports not usually covered? 

✔ Once you answer these questions, you’ll be better prepared to find the best travel insurance for your Mexico trip. Use the search tool to find the best plans.

✔ Get the full details before you buy. Read the fine print!

✔ Look for insurance well before your trip so you don’t feel stressed when making a choice.

Frequently Asked Questions

Is travel insurance legally required for mexico travel.

With the advent of the COVID-19 pandemic, many countries now require visitors to have travel medical insurance coverage for their entire trip. But in Mexico, you don’t have to have it.

But regardless, having a travel insurance is just a way to get yourself out of trouble in case anything happens.

How much is travel insurance to Mexico?

Travel insurance to Mexico can cost anywhere from $40 USD per month to $160 or more for standard plans (no add-ons). It may cost more if you are a non-U.S. citizen.

What isn’t covered by Mexico travel insurance policies?

The coverage varies by company, but in general, most companies do not cover pre-existing medical conditions, cancer, very extreme sports, medical checkups, planned procedures, and that kind of thing. It is primarily for emergencies, unexpected events, and incidentals.

Can I use my U.S. health insurance in Mexico?

This is a common question among U.S. residents, and the answer is: “It depends.”

You cannot use Medicare in Mexico unless you purchase a plan with additional coverage (such as Medicare Advantage or Medigap).

You must contact your health insurance provider in order to find out whether your specific plan will cover medical treatment while you’re traveling in Mexico.

If they offer some coverage, it’s important to ask what the specifics and limitations are. Ask for the fine print so you can decide if purchasing additional travel insurance is the best option.

Find out if you would have to pay for any procedures out of pocket and then submit a claim.

Ask if they can get you a “Guarantee of Payment” certificate if you need one. An insurance company issues A Guarantee of Payment certificate to a hospital or other medical provider.

They provide it as proof that the hospital won’t get stuck with your bills.

One difficulty of getting your insurance company in the U.S. to cover bills while in Mexico is because the expense must be properly coded according to the United States system.

Often, Mexican hospitals aren’t sure how to describe or code the procedure properly. This can be a problem and mean you aren’t reimbursed for expenses.

Can I use my credit card travel insurance?

Most credit cards in the USA offer travel insurance but the kind of coverage really varies. So the best option is to contact them and make sure all the most important case scenarios are covered.

Does travel insurance cover Covid quarantine?

Some travel insurance companies cover COVID quarantines.

In this post, we talked about SafetyWing. This company covers up to 10 days of quarantine-related expenses.

Why is travel insurance to Mexico so expensive?

Travel insurance rates vary a lot depending on your home country and how long you’ll be traveling, your age, and other risk factors.

The longer your trip, the more likely it is that something will happen. 

International travel always comes with some risks. You may also be more likely to encounter viruses you aren’t immune to, like dengue fever, or to have some of your belongings get lost or stolen.

If you plan to take part in adventure sports, you might incur some extra costs to get medical coverage.

Travel insurance will also be more expensive if you want the benefit of a CFAR claim.

CFAR benefits (Cancel for any reason) mean that you’ll get a partial refund no matter why you cancel a trip, even for reasons not normally covered by travel insurance.

The good news is that you can often find travel insurance coverage at an affordable price. On average, travel insurance will cost 5% to 6% of your total trip cost.

If you are planning to drive in Mexico, then yes, you do need car insurance! It is usually best to get car insurance directly from the company you are renting from.

I recommend using Discover Cars . This is a great company, and they have their full coverage car insurance.

Or you can just use it to book the car with the least expensive car rentals and then buy the full coverage directly with them.

Although some travelers want to use their credit card insurance, you should make sure they really offer full coverage and check with the card company before making any decision. In any case, keep in mind that the car rental insurance provided by the credit card will always provide a refund for any damages afterward, when applicable. You will have to anticipate the money upfront.

Read my post about renting a car in Mexico for more information.

Discover Cars Mexico Review

Discover Cars is one of the most popular car rental for many reasons, among which:

✔︎ straight forward information ✔︎ full coverage add-on ✔︎ listing of different companies with reviews

Is Mexico open for travel right now?

Absolutely! Mexico is open for travel and has always been.

Visitors are not required to provide negative COVID-19 tests. However, you might have to go through some health screening and temperature checks at the airport.

Is it safe to travel to Mexico right now? 

There are two things to consider when it comes to safety: Covid-19, and crime.

Covid-19 Concerns

Tour operators are taking safety precautions.

The Mexican government uses a stop light system to track COVID-19 cases. The traffic lights influence current restrictions in each state.

Red – This means there are a high number of cases and there could be a lot of travel restrictions. Some attractions, museums, beaches, bars, and restaurants may not be open.

Orange – This means that cases are still pretty high, so there may be restrictions in place. This could include limited occupancy in tourist sites and restaurants, required social distancing, and possibly city-wide curfews.

Yellow – This means there are still a moderate number of cases. There are not likely to be many restrictions in effect, but you should still use some caution.

Green – You’re in the clear! Everything should be open and operating as normal.

At the time I am writing this everything seems pretty much in the green area! so you are good to go!

Some areas of Mexico have high rates of crime. Petty theft, robbery, and scams are the most common things to affect tourists.

I have an entire blog post filled with tips on how to stay safe in Mexico .

Best Travel Insurance for Mexico: final thoughts

The best travel insurance for long trips to Mexico is the SafetyWing Nomad plan . It’s simple, straightforward, and affordable! 

If you are over 60 and don’t plan to stay in Mexico long-term, the SafetyWing Nomad plan is a great choice.

And if you are over 69 you should check on Travel Insurance Master for your best options.

No matter what option you choose, pat yourself on the back. Getting travel insurance for your trip is always going to be a win!

✨ Mexico Travel Planning Guide ✨

👉 do i need travel insurance to travel to mexico.

I would do it if I were you. You never know what can happen and know that no matter what, you will be covered with any expenses will give you peace of mind, and make your travel worry-free. You can check out SafetyWing which I have used and find it affordable and comprehensive and also Travel Insurance Master w hich is great because you can insert all your information and what kind of insurance you need and their system will pull out the best insurance for your need.

🚰 Can I Drink Tap Water in Mexico?

No, you can’t! Maybe in some areas or in some homes where they have installed water filters but to be on the safe side, I would say, never drink tap water in Mexico. Carry a water bottle with you and fill it up where you find available potable water sources. Most of the hotels have those.

🚗 Is It Safe to Drive in Mexico?

The short answer is: depending on where you are. Although in general if you stick to the main roads and don’t drive at night you should probably be safe. In lesser tourist areas you should probably check the local news to stay up to date. Driving in the Yucatan Peninsula is easy everywhere, even at night, although I would still avoid it. I recommend Discover Cars because the site offers the option to compare prices among different car rentals and you can add their own full coverage.

Read more on my guide on Renting a car in Mexico .

📱 Will My Phone Work in Mexico?

It will probably work, especially if you have a European or US phone, but your roaming rates may be to the stars (check with your SIM provider). Even if have an affordable international rate, you will be much better off by buying a Mexican SIM Card . It’s cheap, easy to set up, and it will keep you connected with your friends, family, and, more important, google Maps so you will never get lost!

🤕 Is It Safe to Travel to Mexico Right Now?

The short answer is, yes it is. However, there are parts of Mexico that are indeed troubled and you should avoid for now, and others that are super safe and easy to travel around.

Regardless of where you are you should always use some common sense rules such as, never flaunting expensive clothing, accessories, electronics, or money and keeping a low profile.

Read more on my detailed guide on safety in Mexico . If you are traveling to a specific destination I have got you covered as well:

• Is Cancun Safe?
• Is Tulum Safe?
• Is Puerto Vallarta safe?

💉 Do I Need Any Vaccine to Travel to Mexico?

No, there is no vaccine requirement (of any kind) to travel to Mexico

🇲🇽 Do I Need a Visa to Travel to Mexico?

If you are coming from the US or Europe you don’t need a VISA to enter Mexico. Once you get in you need to fill out a form that you need to keep with you until you leave. If you don’t have it you will pay a fine. Although the tourist visa for US and European travelers used to be 6 months long which you could easily renew by leaving the country for a couple of days and going back, nowadays they have been stricter. You may be asked how you would sustain your living and other similar questions. Sometimes they even ask you to show your credit cards. It seems odd but they can do that. If you intend to stay longer than a usual couple of weeks’ vacation time, just be honest and explain your plans. If you are not from the US, check this site to see if you need a visa

💸 Where Do I Find the Best Travel Deals for Mexico? 💸

A trip to Mexico can be expensive if you love to travel with all the comforts (like I do). There are a few tricks that will help you find the best deals. Here are my tips:

👉 DON’T travel in the high season, which is Holy week, Christmas and winter in general, and August. 👉 Book months in advance to find early booking discounts 👉 Use aggregators such as Discover Cars to find price comparisons and VRBO for vacation rentals! 👉 Look for packages flights+hotels on Expedia . 👉 Check on Booking.com or Hotels.com for hotel deals

Happy travels!!

Isabella is traveler and animal lover, a former tourism professional with an multinational background that lead her to Mexico, that she can proudly call home. After seven years in Cancun where she's still a resident, she took a bold leap, leaving her fancy job to embrace a nomadic lifestyle. She traveled all over Mexico, from Baja California to Ciudad Juarez, Oaxaca, Chiapas Hidalgo exploring and living like a local. Isabella founded Let's Travel to Mexico to help travelers plan their own trip on and off the beaten path in this beautiful land that she loves so dearly.

7 Best Mexico Travel Insurance Plans for US Citizens in 2024

Updated on January 10, 2024 by Matthew H. Nash – Licensed Insurance Agent

• SwiftScore Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to Mexico travelers. Learn more at the end of this page.

STARTING PRICE FOR 2-WEEK TRIP TO THE MEXICO

CAN YOU CANCEL YOUR TRIP FOR ANY REASON? 

BEST  WEBSITE FOR

Comparing Policies

• Compare dozens of the best Mexico travel insurance policies from all the major providers in one place
• Easily filter for the features you want and get support from their award-winning customer service team
• Founded in 2013, TravelInsurance.com has helped hundreds of thousands of travelers find affordable insurance coverage

BEST  POLICY FOR

Fast Claims

• Super fast claims via their 100% digital platform with a helpful mobile app
• Faye makes it easy to add-on coverage for vacation rentals, adventure/extreme sports, pet emergencies, and “cancel for any reason” at competitive prices
• Underwritten by Crum & Forster, Faye is known for its exceptional customer support, with 4.8/5 stars on Trustpilot

• SwiftScore Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to travelers. Learn more at the end of this page.

BEST POLICY FOR

Travelers Aged 55+

• Pre-existing medical conditions are covered for a reasonable fee and they offer “cancel for any reason” as an add-on
• $2,000 COVID quarantine coverage available w/ Safe Travels Voyager plan
• Founded in 1998 and underwritten by Nationwide and GBG Insurance

BEST WEBSITE FOR

Filtering Plans

• This comparison website has the most comprehensive filters especially for Covid-19 which helps you search for the specific benefits you need
• They have “Zero Complaint Guarantee” which promises a fair claims process
• Established in 2003, Squaremouth has consistently been recognized for it’s exceptional customer service

BEST POLICY FROM

An Established Brand

• Well rounded, inexpensive travel insurance plans from an established and top rated global insurance company
• AXA has plans that cover pre-existing conditions and their “Platinum” plan covers “cancel for any reason” with an optional add-on. They also offer helpful 24/7 Worldwide Travel Assistance Services
• Founded in 1959 and underwritten by Nationwide

Family Travel

• Their “Trip Interruption for any Reason” feature allows you to get a 75% reimbursement for any additional expenses if you decide to go home early from your trip
• They have a variety of insurance products to suit any travel needs
• Founded in 1993 and underwritten by Nationwide Insurance

$521 Per Year

Long-term Travel

• Ideal for digital nomads and long-term travel, available to anyone anywhere
• Scored lower because short-term travel coverage isn’t as robust as competitors
• Founded in 2018 and is underwritten by Lloyds of London

CAN YOU CANCEL YOUR TRIP FOR ANY REASON?

Mexico travel insurance FAQs

What is excluded from travel insurance coverage.

Coverage is usually limited to events deemed unforeseen or unexpected. While travel insurance plans for Mexico cover quite a bit, there are some things it does not of which you should be aware. For example, it does not cover changes or cancellations due to personal preferences, such as no longer wanting to travel with your travel companion or deciding you have too much work to take a trip (except for Seven Corners Trip Interruption for any Reason). Pre-existing medical condition upgrade packages are available through many travel insurance providers. Most medically documented conditions will fall under coverage. Keep in mind that, depending on the provider, you will only have 14-21 days after you pay in full or pay a deposit on your trip to purchase a pre-existing medical condition upgrade. If you’re pregnant, we recommend making sure you’ll be covered under the plan you select by reading the fine print or calling an agent.

Does travel insurance cover extreme sports and adventure activities?

Extreme sports and adventure activities are often a big draw for travelers, especially to Mexico, where the weather and landscape are perfect for such experiences. The great news is that plenty of insurance providers cover these travel experiences. Examples may include surfing, scuba diving (over 40m), free diving, bungee jumping, paragliding, hang-gliding, mountain climbing (over 2,700m), skydiving, ziplining, parachuting, hot air ballooning and more. You can use SquareMouth.com and select the “Sports & Activities” filter, which will let you input the specific activities you plan on doing. Then, it will show you all policies that provide coverage for them. I encourage you to read the full details of any policy that may interest you.

What do you do if you have an emergency while on vacation in Mexico?

In emergencies, dial 911 (yes, it’s the same as in the USA) for free from any landline or cell phone to reach the appropriate authorities. You can also call out, “nueve uno uno!” if you don’t have access to a phone in a crowded area. Also, if any of the insured parties on your travel insurance policy suffer a medical emergency, contact your insurance provider via their customer support hotline so they can arrange travel to a hospital that meets US standards. It is worth noting that the Mexican government sponsors an around-the-clock roadside service called Green Angels (Los Ángeles Verdes) for highways and toll roads throughout the country that helps with any mechanical assistance, towing, first aid and more. They offer the service free of charge to anyone, regardless of where they are from. You will be responsible for the cost if your car requires a part replacement. Just dial 078 from a landline or cell phone to be connected with one of the Green Angels’ English-speaking operators.

Does travel insurance cover trip cancellations resulting from Covid?

Coverage is rarely the same between providers, but most policies include trip cancellations if you or any of your travel companions contract Covid prior to your departure date. However, the pandemic may affect elements of travel that travel insurance will not cover, including quarantine requirements, international border closures, negative test requirements, and a tourist’s fear of travel due to a change in circumstances etc. Should any of these concern you, I recommend purchasing a Cancel For Any Reason (CFAR) upgrade so you will have peace of mind knowing that you’re covered for all situations. Since the travel insurance industry is adapting to the ever-changing landscape created by the pandemic, you can see which new policies are offered by searching on a comparison website like TravelInsurance.com. I recommend purchasing a policy with a minimum of $50,000 for emergency medical coverage and $100,000 for medical evacuation. If you have a plan, check with your provider whether they offer a policy rider covering trip cancellations resulting from communicable diseases.

Do credit card companies offer cardholders travel insurance?

Many credit cards claim to provide “travel protection” at no extra cost to the cardholder if the trip is purchased with the card. Verify with your credit card company if they offer this benefit. If so, coverage will typically extend only to the aspects of the trip you purchase using that card, such as rental cars, accommodations, and flights. Many credit card companies will also have a separate digital platform where you can view your coverage. Please note: almost all credit card companies do not include emergency medical or evacuation coverage and tend to be significantly less robust in all aspects of their coverage compared to purchasing a policy with a dedicated travel insurance company.

Does travel insurance cover rental car collisions?

Most standard travel insurance plans do not cover car accidents while you are in Mexico or elsewhere abroad. However, you can often purchase optional upgrades covering car rental collisions. Be aware that many plans do not cover luxury cars, RVs (recreational vehicles) or long-term rentals. If all else fails, you can always purchase a separate insurance plan from your car rental company to cover the car’s insurance. Also, you may want to check if your home car insurance company covers rental car collisions in the foreign countries you will be visiting.

Will travel insurance cover Airbnb or short-term rentals that go wrong?

Depending on your plan and provider, trip cancellation and interruption benefits may extend to vacation rentals. The most comprehensive plans will cover it. You can also purchase a “cancel for any reason” (CFAR) package that usually covers short-term rentals. Keep in mind that CFARs only reimburse 50-75% of your travel costs.

Does travel insurance protect against canceled flights?

Yes, travel insurance almost always will cover canceled flights. Approved reasons for reimbursement are if your travel provider cancels their services for at least 24 hours because of a natural disaster, an employee strike, or inclement weather. On the other hand, if flight cancellation happens on your end, some approved reasons include the injury, illness, or death of your travel companion or family member and a major medical event involving you. Other acceptable reasons might be sudden military deployment, jury duty summons, or civil unrest. It’s best to clarify this with each company you’re interested in before purchasing a plan.

Typical problems tourists may experience while traveling in Mexico and how to avoid them:

The three main health concerns for travelers in Mexico are dengue fever, the Zika virus, and Montezuma’s revenge. The latter is simply traveler’s diarrhea that can result from undercooked beans or other food contamination. Stick with drinking bottled water only, and be sure to wash raw fruits and vegetables exceptionally well if you prepare any meals for yourself. Should this happen to you, be sure to consult a doctor. The Zika virus and dengue fever are transmitted through a mosquito bite and both have similar symptoms. Other than the obvious fever, common symptoms include severe headaches, joint pain, muscle pain, full-body aches, gastrointestinal issues, and skin rashes. Dengue fever is usually not fatal, but it can take several weeks to recover. Staying hydrated, resting continuously, and getting professional medical care are the only paths to recovery. Since there are no vaccines for either Zika, or dengue fever, travelers to Mexico must do their utmost to avoid being bitten. This includes sleeping with mosquito nets, applying mosquito repellent regularly––those with at least 20% DEET are most effective––and wearing clothes that cover as much skin as possible. Be sure to put insect repellent on the bottoms of your feet, a favorite sweet spot of mosquitoes, especially before going to sleep. Lastly, avoid standing water anywhere, as it will most likely be a breeding ground for mosquitoes.

Some of the most common accidents travelers in Mexico experience are drownings, vehicle and motorcycle accidents, and alcohol poisoning.

Muggings have become so common in densely-populated areas of Mexico that locals have started buying fake cell phones––‘dummy phones’ –– to hand over in the event of an armed robbery. Many of these occur at night or before dawn on buses when most passengers are tired and not fully alert. The robbers operate in teams of 2 or more and demand all passengers hand over their valuables. Always be conscious of your surroundings and avoid wandering after dark through areas not frequented by tourists and plenty of locals.

Emergency resources for Mexico

Phone numbers.

911 is a free call from any landline or cell phone for police, fire or medical emergency services. 078 is also a free call from any landline or cell phone to the Green Angels (Ángeles Verdes), a 24/7 roadside emergency service (English-speaking operators available). For non-emergencies, you can also contact the Green Angels at 01-800-987-8224.

US embassy or consulate details

The US has an embassy in Mexico City, along with 9 consulates located in Ciudad Juárez, Guadalajara, Hermosillo, Matamoros, Merida, Monterrey, Nogales, Nuevo Laredo and Tijuana. Visit the US Embassy in Mexico’s website for each of their addresses and phone numbers. For added protection, you may consider listing your trip with the nearest US Embassy or Consulate by enrolling in the Department of State’s Smart Traveler Program . Once you list your travel plans, you will receive information about Mexico as it pertains to your trip, including travel advisories. Also, this allows the US Embassy or Consulate nearest to you to communicate with you and your family should an emergency arise.

Other local knowledge that is helpful for travelers

The local currency is the Mexican peso (M$). Keep in mind that while credit cards are accepted at many hotels and moderately-priced stores and restaurants, Mexico is mainly a cash-based economy. Therefore, carrying a decent amount of cash for most transactions is necessary. Use your US debit card to withdraw pesos once you are in Mexico for the best exchange rates.

While train service is extremely limited, Mexico has an excellent bus system that is reasonably priced, very comfortable, and will give you access to the entire country. First-class and executive-class bus services put Greyhound in the US to shame. There isn’t a single national bus company, but rather several regional ones, which means you will need to check which bus companies service your area.

As mentioned above, the Green Angels (Los Ángeles Verdes) is a 24/7 roadside service funded by the Mexican Tourism Industry and has over 275 trucks that assist throughout Mexico on highway and toll roads. They have English-speaking operators, which many other Mexican emergency services do not guarantee. The service is free to all, but tips are very much appreciated. Whether you have a flat tire, break down, run out of gas or have a medical emergency, the Green Angels will be able to help. They are available by calling 078 or 01-800-987-8224 from a cell phone or landline. Keep in mind that tourists are encouraged to avoid driving in the dark. Driving in Mexico at night can be dangerous as most roads, including highways, are not well-lit and have plenty of potholes and debris. Also, livestock is known to wander into the roads between dusk and dawn rather frequently. Moreover, AAA has partnerships with many businesses in Mexico, so you may be able to put your membership benefits to good use. Search AAA’s list of International Affiliate Members on their website for businesses in whichever part of Mexico you’ll be visiting.

Taxis in Mexico are very affordable. In Mexico City, it’s always wise to get a taxi from one of the many taxi ranks (sitio) or book one through app-based companies approved by the government, such as App-Cab, Cabify, or Uber. For your own safety, avoid hailing taxis at night. Also, most taxi drivers do not speak English, so it may be challenging if you do not have a working knowledge of Spanish. In general, hailing taxis in smaller cities and towns is safe. However, many of these taxis do not have meters. As a result, you will have to negotiate a price for your journey before you set off. It is worth noting that taxis with meters must have them calibrated each year to retain their licenses, so you can rest easy knowing you’re paying the appropriate fare.

Tipping is optional but customary in Mexico as it is one of the only ways many people can make a living wage. In restaurants, always look at the check to see if a service charge is included. If not, tipping 10-15% is adequate. For hotel housekeeping staff, it is recommended to tip between 5-10% of the total price you paid for your room. The usual tip for porters at hotels and airports is anywhere from M$50 (Mexican pesos) to M$100, and be sure to tip gas station and parking attendants at least M$5-M$10. Tipping taxi drivers is not standard practice but will always be appreciated.

A final note about travel insurance for the Mexico

I have spent dozens of hours researching travel insurance, including getting quotes and comparing coverage from all the most popular brands. Regardless of where you’re going, I am confident that you will also find that WithFaye.com offers the best way to compare policies with the ideal combo of coverage and price.

I wish you and yours an incredible journey.

SwiftScore Ranking Methodology

• Average price for a 2-week vacation based on a 35-year-old California resident traveling to the Mexico with a $3,500 trip cost
• Coronavirus coverage
• Cancel for any reason (CFAR)
• AM Best rating of the underwriter
• Key policy details including cancellation, interruption, emergency medical evacuation, and baggage & personal effects
• Ease of sign up
• Policy language clarity
• User reviews

Agent Information

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Travel Insurance for Mexico

Travel Team | Apr 12, 2024

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From delicious food to sandy beaches to historic sites, there’s something for every traveler in Mexico. But before you zip up your suitcase, you’ll want to make sure your trip is protected.

In this article, we’ll take a closer look at options for Mexico travel insurance, requirements for traveling to Mexico, and offer destination-specific travel tips so you can have a safe and relaxing experience.

Do I Need Travel Insurance for Mexico?

Insurance is not a requirement to visit Mexico; however, it is a smart idea to have! Let’s take a closer look at the reasons why you should buy insurance before your trip to Mexico.

Should You Buy Travel Insurance for Mexico?

It’s always a smart decision to buy travel insurance before your trip, especially if you’re traveling to another country like Mexico. It’s impossible to anticipate every potential mishap. The coverage you purchase can protect you — your money, your health, your belongings — when the unexpected happens.

Explain why purchasing travel insurance is recommended, even if the country readers are visiting does not require it for entry.

Mexico Travel Insurance Coverage Options

Seven Corners offers a variety of plans that meet most travelers’ needs. Coverage options can differ depending on the plan you choose, the specific benefits and add-ons you select, and your state or country of residency. Below are some travel insurance benefits found in many of Seven Corners plans to help protect you during your trip to Mexico.

Trip Cancellation

Seven Corners could reimburse you for the prepaid, nonrefundable trip expenses you insured if you have to cancel your trip for a covered reason. Covered reasons can include triggers such as an illness that prevents you from traveling or inclement weather, like a hurricane, that makes it impossible to get to your destination.

For the flexibility to cancel your trip for any reason, not just those listed in your plan document, consider adding optional Cancel for Any Reason (CFAR) coverage .

Trip Interruption

An interruption often means you ended your trip and returned home early, but it can also include needing to start your trip late. If you need to interrupt your trip for a covered reason, you could be reimbursed for unused prepaid, nonrefundable trip expenses. This benefit also covers the expense of additional transportation.

For more flexibility to interrupt your trip and still be reimbursed, consider adding optional Interruption for Any Reason (IFAR) coverage . This allows you to interrupt your trip for any reason, not just the covered reasons listed in your plan document. Examples include feeling unsafe at your destination and deciding to return home or move to your next destination early or simply changing your mind about travel so you end your trip early.

This benefit can cover expenses resulting from a delay, whether you’re headed to Mexico or coming home or even if you’re delayed in the middle of your trip. To be reimbursed, the delay must be caused by a covered reason, such as a flight delay lasting the required amount of time.

Lost or Delayed Baggage

Seven Corners will reimburse you to replace necessary personal belongings if your baggage is delayed by your airline or other common carrier on your way to Mexico. Necessary personal items include things like clothing or toiletries so that you can continue on your trip.

If your baggage is lost, delayed, damaged, or stolen during your trip, your travel insurance could pay to replace or repair the insured items

For both lost and delayed baggage, it’s important to remember that some items such as laptops and jewelry may not be covered, and your luggage must be delayed for the length of time stated in the plan before you are eligible for reimbursement.

• Travel Medical

Travel medical insurance can cover expenses for medical treatment if you get sick or hurt during your trip. This is particularly important for travelers whose domestic health insurance does not provide coverage overseas.

Seven Corners Trip Protection plans provide coverage for Emergency Accident and Sickness as well as Emergency Dental expenses. We also provide a variety of travel medical plans with robust medical coverage for both U.S. and international residents.

Emergency Medical Evacuation and Repatriation

If you get sick or hurt during your trip to Mexico and adequate care is not available, Seven Corners will arrange an emergency medical evacuation to a medical facility that can provide treatment if it is deemed medically necessary. We will also arrange your return home so you can continue recovering.

Accidental Death and Dismemberment

This Seven Corners benefit provides coverage for loss of life or limb resulting from an injury caused by an accident during your trip to Mexico.

What Is The Best Travel Insurance for Mexico?

Seven Corners Trip Protection is our most popular plan for U.S. residents traveling to Mexico. With this plan, you’ll find coverage to protect your trip expenses, belongings, and emergency medical expenses.

Seven Corners Travel Medical Insurance provides great levels of confidence for travelers headed to Mexico whether you’re a U.S. or non-U.S. resident. These plans offer robust coverage for medical expenses if you get sick or hurt during your trip, so you can get the care you need without having to worry about how you’ll pay for it.

Finding the best travel insurance for your unique trip to Mexico is easy with our interactive guide. Answering a few simple questions will show you the best options for you and your trip. Plus, there’s no commitment or hassle when you get a quick quote. You can also contact our licensed agents for additional support, making sure you choose the best travel insurance for a Mexico vacation.

How Much Does Travel Insurance to Mexico Cost?

The cost of travel insurance varies depending on the plan you choose as well as a number of other factors. Trip protection plans generally cost 4-10% of your total insurable trip cost. See how to calculate your trip cost and make sure you have the right amount of coverage.

The cost of a travel medical plan is based on:

• The plan you choose
• The length of your trip

Customizable selections such as medical maximum, deductible, and other add-ons

Get a quick quote with no commitment when you answer a few simple questions about your trip to Mexico and what kind of coverage you need.

Travel Requirements for Mexico

When planning any trip, it’s important to consider what travel documents your destination country requires, as well as any public health requirements. Let’s take a closer look at what you’ll need when traveling to Mexico.

Visa Requirements for Mexico

Visas are not required for permanent residents of the United States traveling to Mexico. Visas are also not required for Mexico if you already have a valid visa for the United States, Japan, the United Kingdom, or any country that makes up the Schengen Area.

There are many countries whose residents are exempt from needing a visa to travel to Mexico. Check out the full list here .

Documents and Forms

While you may not need a visa to travel to Mexico, there are a number of other documents you’ll want to be sure to add to your carry-on. These documents include:

• A valid passport that has at least six months of validity.
• A completed Multi Migratory Form . Travel tip- this form can be completed at the airport, but you can save time by filling it out and printing it in advance!
• Documentation of why you’re traveling to Mexico. This can include a hotel reservation, a trip itinerary, a letter of admission from an academic institution, or a letter from your employer that you’re traveling for work. View more examples here .

Public Health Requirements

As of November 24, 2023, there are no COVID-19 restrictions in place when traveling to Mexico.

You won’t need to provide a negative COVID test or proof of vaccination to enter the country. However, the Centers for Disease Control recommends getting up to date on COVID-19 vaccines before traveling and wearing a mask in crowded places on your trip.

Travel Information & Safety Tips for Mexico

Curious about the weather at your destination? Want more info on transportation? Check out these travel and safety tips for a deeper dive into what you can expect on your trip to Mexico.

Is Mexico safe to visit?

Major cities and resort areas are generally the safest places to visit. These areas are well-regulated with first responders close by to help in instances of injury.

In some Mexican states, there are high amounts of crime and kidnapping. This Mexico Travel Advisory can tell you if the area you’re considering visiting has an especially high amount of crime.

It’s important to be aware of common scams that target tourists in Mexico so you can avoid them. Card-skimming is prevalent throughout Mexico, so try to pay with cash when possible. When you do withdraw cash, use well-lit ATMs in populated areas. Be careful when getting in a taxi, as there are a growing number of fake taxi drivers. If possible, ask your hotel to book you an authorized taxi. When getting in the car, ensure the driver is licensed and that their face matches the photo on the license.

If you’re a United States citizen traveling to Mexico, you can enroll in the free Smart Traveler Enrollment Program (STEP) as an additional safety precaution. Through the program, you’ll get up-to-date information about safety precautions in your destination country. It will also help the U.S. Embassy and your friends and family contact you in case of an emergency.

What languages are spoken in Mexico?

Spanish is the primary language of Mexico, spoken by about 94% of the population.

English is not prominently spoken throughout Mexico. However, in tourist areas such as Cancun, Tulum, Cozumel, and others, many locals have learned to speak English.

What currency is used in Mexico?

The Mexican Peso (MXN) is the currency used in Mexico. As of November 24, 2023, the exchange rate between United States dollars and Mexican pesos is 1 dollar = 17.11 pesos.

For the most current currency rate, check out this currency exchange tool .

What is the weather like in Mexico?

Mexico is a vast country, stretching over 750,000 square miles. As such, the weather varies by region. Throughout Mexico, there is a rainy season and a dry season. The rainy season runs from May through November, and the dry season from December through April.

Gulf Coast: Weather in the Gulf Coast is hot and humid, with lots of rain in the summer months. July is the hottest and wettest month of the year. The annual average temperature is 77 degrees.

Southern Mexico: The southern regions of Mexico which include Oaxaca and Chiapas tend to get the most rain. This weather in the valleys and coastal plains can be exceptionally hot, while the weather in cities of higher altitudes is cooler.

Yucatan Peninsula: The Yucatan Peninsula is a popular cruise destination, with its port city of Cancun. Temperatures stay warm and consistent throughout the year with an average of 78 degrees annually.

Northern Mexico: The weather in northern Mexico tends to be more arid and less humid than other parts of the country. This area in Mexico is characterized by dry, sweltering days and cooler nights. The temperature here varies throughout the year with highs over 90 degrees in August and lows in the upper 40s in January.

Central Mexico: It feels like springtime in Central Mexico for most of the year, with warm days and slightly cooler nights. The highs in the warmest months are in the upper 80s and dip to the low 40s in the cooler months.

Pacific Coast Region: The Pacific Coast region is home to popular tourist destinations like Acapulco and Puerto Vallarta. This region stays toasty throughout the year, with high temperatures of 90 degrees and lows around 70.

Food and Water Safety in Mexico

The tap water in Mexico is generally unsafe to drink throughout the country. It’s recommended to buy purified bottled water during your stay. Bottled water is widely available for sale in stores and by street vendors, so it shouldn’t be hard to find. You should also use purified water for brushing your teeth. Travel tip: Bring your own refillable water bottle and purchase larger purified water jugs to fill it throughout your trip.

When it comes to produce, it’s best to always disinfect the fruits and vegetables you buy. You can buy produce disinfectant or make your own solution with a mix of white vinegar and purified water.

Transportation

Common ways to get around Mexico include renting a car, ordering a taxi, or taking public transit.

Larger cities like Mexico City have a Metro system to help you get around. Mexico City’s metro even has women-only wagons to help reduce the prevalence of sexual harassment . But in smaller cities and towns, buses will be the primary form of public transportation.

Train travel is currently limited, but is set to take off in Mexico in the coming decades. The country is planning to launch 11 new tourist train routes by 2050, with the first launching in 2023.

Do I need a power adapter for my electronics?

When traveling to Mexico from the United States, you will not need a power adapter for your electronics. Mexico uses type A and type B power plug sockets. The standard voltage is 127 V and the frequency is 60 Hz.

U.S. Embassy and Consulate Information for Mexico

Before traveling to Mexico, it’s important to know the location of the nearest embassy or consulate to where you’re staying. Here’s a full list of Embassy and Consulate locations.

U.S. Embassy in Mexico City:

Paseo de la Reforma 305

Colonia Cuauhtemoc

06500 Mexico, CDMX

U.S. Consulate in Ciudad Juárez:

Paseo de la Victoria #3650

Fracc. Partido Senecú

Ciudad Juárez, Chihuahua, Mexico C.P. 32543

U.S. Consulate in Guadalajara:

Progreso 175

Col. Americana

Codigo Postal 44160

Guadalajara, Jalisco, Mexico

U.S. Consulate in Hermosillo:

141 Monterey Street

Col. Esqueda, C.P. 83000

Hermosillo, Sonora, Mexico

U.S. Consulate in Matamoros:

Calle Constitución No. 1

Colonia Jardín

Matamoros, Tamaulipas 87330

U.S. Consulate in Merida:

Calle 60 No. 338-K x 29 y 31

Col. Alcala Martin Merida, Yucatan, Mexico 97050

U.S. Consulate in Monterrey:

Ave. Alfonso Reyes #150

Col. Valle del Poniente

Santa Catarina, Nuevo León

México 66196

U.S. Consulate in Nogales:

Calle San José s/n

Fraccionamiento los Alamos

C. P. 84065 Nogales, Sonora

U.S. Consulate in Nuevo Laredo:

Paseo Colon 1901

Colonia Madero

Nuevo Laredo, Tamaulipas 88260

U.S. Consulate in Tijuana:

Paseo de las Culturas s/n

Mesa de Otay

Delegación Centenario C.P. 22425

Tijuana, Baja California

Contact Seven Corners about Travel Insurance for Mexico

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Mexico Travel Insurance: Plans, Coverage & Cost (2024)

While you aren’t legally required to have travel insurance as a visitor to Mexico, it can still be valuable protection for expensive nonrefundable trip costs.

Sarah Horvath is one of the home service industry’s most accomplished writers. Her specialties include writing about home warranties, insurance, home improvement and household finances. You can find her writing published through distributors like HouseMethod, Architectural Digest, Good Housekeeping and more. When not writing, she enjoys spending time in her home in Orlando with her fiance and parrot.

Roxanne Downer has more than 15 years as a news, finance and lifestyle writer and editor. A graduate of the University of Pennsylvania, she has previously worked at Deutsche Bank, BNY Mellon, Financial Week and MSN Money.

When planning a trip, whether for business or leisure, travel insurance can be a wise option to keep you covered financially if there are changes to your travel plans. Quality travel insurance can help you recoup some or all of your Mexico trip costs if you need to cancel.

Travel insurance plans are a safety net for flight cancellations or travel delays on the part of the trip provider. Most typical travel insurance coverage includes lost baggage, emergency medical evacuation, trip cancellation insurance and even reimbursement if you have to cancel travel plans due to testing positive for COVID-19 before departure.

Learn more about the pros and cons of buying travel insurance and some travel tips for your trip to Mexico.

Compare Mexico Travel Insurance Companies

Use the table below to the average plan costs and coverages of the top companies that provider travel insurance for a trip to Mexico:

Why Trust MarketWatch Guides

Our editorial team follows a comprehensive methodology for rating and reviewing travel insurance companies. Advertisers have no effect on our rankings.

Companies Reviewed

Quotes Collected

Rating Factors

Do I Need Travel Insurance for Mexico?

There are currently no requirements that require U.S. citizens to carry medical or travel insurance as a condition of entering the country. However, since Mexico is still considered a developing country, many Americans purchase travel insurance before going. 

There are multiple types of travel insurance, and the best travel insurance for Mexico will vary depending on your personal preferences. Frequent business travelers naturally need different coverage than extreme sports enthusiasts. The following are a few of the most common travel insurance coverages offered by travel insurance companies.

Cancel for Any Reason Coverage

When you purchase a standard travel insurance policy , you agree to a list of circumstances for which you can use your insurance coverage. Some commonly covered circumstances include a family member’s death, your traveling companion’s death or an unanticipated natural disaster. 

With a cancel for any reason (CFAR) insurance upgrade, you can claim reimbursement for any reason and are not limited to the circumstances found on your insurance policy. These policies can benefit anyone with a reason why they believe they may need to cancel a trip. For example, you can use your CFAR policy if you have been monitoring the COVID-19 situation in Mexico City and judge the risk as too high after purchasing your resort vacation.

CFAR travel insurance is supplemental and isn’t available as a stand-alone insurance option. Your CFAR reimbursement will not cover your whole trip. Your travel insurance contract will indicate how much you’ll get back and any provider exclusions.

TIP: You have a limited number of days (10 to 21 days, depending on the policy) after purchasing a nonrefundable trip to add CFAR coverage.

Gear Theft Protection

If you bring expensive equipment, such as sports gear, a professional-grade camera, a laptop or specialized medical equipment, you might want travel insurance to protect them. Your travel insurance will cover the loss up to a predetermined amount if your electronics are lost, stolen or damaged by an airline or tour operator.

TIP: Homeowners insurance and renters insurance policies often cover identity theft and personal property that’s lost or stolen outside your home, even if you’re not in your home country when it happens. So, check your existing policies to see if you’re already covered. 

Medical Emergency Insurance and Emergency Medical Evacuation

Illness and injury are among the most unwelcome occurrences during international travel. Your employer-provided health plan may have limited or no coverage in Mexico, and Medicare doesn’t cover health care outside the United States, except in rare cases.

Travel health insurance pays for emergency medical expenses during a trip. These expenses include the following:

• Ambulance service
• Chipped tooth or other dental emergencies
• Hospital fees
• Operating room charges
• Treatments and prescriptions 
• X-rays, lab tests and anesthesia

Many travel insurance plans also include emergency medical evacuation and repatriation. If you have an emergency and can’t receive local medical care, emergency medical insurance will usually cover the cost of an evacuation to an appropriate facility or back to the United States.

Most travel health insurance plans do not cover medical tourism. Check with your provider to find a plan that covers pre-existing conditions.

TIP: Many Mexican medical facilities only accept cash , so ensure you receive a written expense report or bill before leaving the facility.

Rental Car Protection

Most noncommercial automobile insurance policies do not cover accidents or collisions that occur while you’re driving abroad. Some comprehensive travel insurance plans have an add-on option for rental car collision coverage if you damage the vehicle in an accident. 

This benefit doesn’t cover the personal property inside the car. It also doesn’t cover damage to another vehicle or medical care if you’re hurt in an accident involving the rental car. Your emergency medical coverage should cover this.

TIP: Your credit card company may already include coverage for damaged rental cars.

Trip Cancellation Insurance

Trip cancellation insurance will reimburse you for prepaid, nonrefundable travel expenses should you cancel your trip before departure for an unforeseen covered reason. The unforeseen circumstances potentially covered by trip cancellation insurance may include emergency surgery, the death of a family member or traveling companion, and weather conditions that make leaving home or your destination dangerous.

How Much Does Mexico Travel Insurance Cost?

The price you’ll pay for travel insurance may vary depending on factors such as the following: 

• Age of the travelers in your party
• Destination country and location
• Total trip price, including all nonrefundable excursions 

We requested quotes from ten travel insurance companies for their most affordable plan for a trip to Mexico. The below quotes are for a 30-year-old traveler from Florida, traveling to Mexico for ten days in September 2024, with a total trip cost of $4,000. Policies include coverage for cancellations, interruptions, delays, medical care and evacuation.

These quotes were collected in April 2024 for a trip in September 2024.

Mexico Safety Tips

According to the Mexican Embassy, U.S. citizens are not required to present negative COVID tests to enter the country, effective June 2022 . If you test positive for COVID-19 ahead of your trip, many travel insurance providers allow you to cancel your trip up to 48 hours before your departure and recover most or all of your trip costs. 

Crime and Safety

According to the U.S. Department of State , there have been rising instances of pickpocketing, petty theft, and violent crimes such as kidnapping and armed robbery in some areas of Mexico, including Mexico City, Juarez, Tijuana and interior provinces and territories. These are usually less of a concern in well-known tourist destinations like Cancun, Tulum and the Yucatan Peninsula. However, it’s good to be aware of your surroundings and protect yourself by being vigilant and going nowhere unaccompanied.

Review the United States’ list of Mexican state summaries and restrict travel plans to safe areas. 

Day Trips, Tours and Excursions

Puerto Vallarta, Los Cabos, Cancun, Tulum and many other coastal cities are hot spots for relaxing on the beach, exploring in a Jeep and snorkeling or scuba diving. It’s an excellent idea to have travel insurance if you intend to participate in any excursions, such as scuba diving or rock climbing, as these can be expensive. Restrict your travel to legitimate vendors and stay in areas approved for tourism.

Is Travel Insurance for a Mexico Vacation Worth It?

Though you are not legally required to have travel insurance when you vacation to Mexico, it can offer you peace of mind. If you’re concerned about the financial toll you’ll incur if you must cancel your trip in the event of an emergency, consider a trip interruption and cancellation policy. 

While ACA-compliant health insurance plans are required to cover the cost of domestic emergency medical services, they do not guarantee coverage abroad. Also, remember that Mexico does not have as robust a medical infrastructure as the United States. If you have a chronic medical condition that requires regular care, consider a travel insurance policy with emergency medical evacuation coverage.

Frequently Asked Questions About Mexico Travel Insurance

Do you need traveler’s insurance in mexico.

The federal government of Mexico does not currently require that citizens of the United States hold a travel insurance policy as a condition of entering the country. However, you may choose to buy a policy to protect your trip costs or help in the event of an emergency. 

Will my travel insurance cover my flight?

Most travel insurance policies will cover the cost of your flight if your ticket is nonrefundable and your policy includes trip cancellation coverage. You must also have a qualifying reason for cancellation unless you opt for CFAR insurance. 

Will my health insurance cover me in Mexico?

If you have an ACA-compliant health insurance plan, your insurance provider is only required to cover you in the event of an emergency. If you have a short-term health insurance plan or a health insurance plan alternative, you likely will have no coverage abroad. 

Why is Mexico travel insurance so expensive?

Mexico travel insurance can be expensive if your trip has a high cost or if you’re older, as these factors make it more likely that the insurance company will need to pay out a claim. Tsunami and hurricane season can also cause a spike in prices for vacations to Mexico. 

Other Insurance Resources From MarketWatch Guides 

Discover our top recommendations for the following insurance types to find the providers that best meet your needs.

• Best Pet Insurance Providers
• Cheapest Renters Insurance Providers
• Best Term Life Insurance Providers
• Cheapest Homeowners Insurance Companies

If you have questions about this page, please reach out to our editors at [email protected] .

More Travel Resources:

Credit cards

• View all credit cards
• Banking guide
• Loans guide
• Insurance guide
• Personal finance
• View all personal finance
• Small business
• Small business guide
• View all taxes

How to Find the Best Travel Insurance

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Table of Contents

What travel insurance covers

How much does travel insurance cost, types of travel insurance, how to get travel insurance, what to look for in travel insurance, best travel insurance comparison sites, which insurance company is best for travel insurance, when to skip travel insurance, travel insurance, recapped.

Travel insurance can cover medical expenses, emergencies, trip interruptions, baggage, rental cars and more.

Cost is affected by trip length, pre-existing medical conditions, depth of coverage, your age and add-ons.

You can get it through credit cards or third-party companies, & can shop on travel insurance comparison sites.

Before buying, evaluate risks, know existing coverage, obtain quotes online and review policy details warily.

Skip it if you buy flexible airfare and hotels, already have coverage or only book refundable activities.

Booking travel always carries some degree of uncertainty. Travel insurance provides a safety net so you can step out with confidence. You may not need travel insurance for inexpensive trips, but it can provide a sense of security when you prepay for pricey reservations, a big international trip or travel during cold and flu season, which can be unpredictable.

According to insurance comparison site Squaremouth, travelers in 2023 spent an average of $403 for comprehensive coverage, compared to $96 for medical-only policies. Comprehensive plans typically cost between 5% and 10% of the insured trip cost.

Since that price tag is no small amount, it helps to know how to shop smart for travel insurance. Here's how to find the right travel insurance plan for you and your next adventure.

Depending on the type of coverage you’re looking for, the chart below will help you determine what to look for when selecting a policy:

Depending on the policy, travel insurance reimburses you or offers services when something goes awry. There’s even coverage for the worst-case scenario: if you die in an accident while traveling. Accidental death coverage pays your beneficiary a lump sum in that case.

Before you buy, take a little time to get familiar with different types of travel insurance products, how it’s priced, and what it covers and excludes. If you’re traveling during these uncertain times, you’ll want to make sure that the policy you select covers coronavirus-related emergencies. Usually, the more thorough the coverage, the more it will cost.

Travel insurance costs vary depending on:

Length and cost of the trip: The longer and more expensive the trip, the higher the policy cost.

Cost of local health care: High health-care costs in your destination can drive up the price of trip insurance.

Medical conditions you want covered: Conditions you already have will increase the cost of travel insurance coverage.

Amount and breadth of coverage: The more risks a policy covers, the more it will cost.

Your age: Generally the older you are, the higher the price.

Any optional supplement you add to your policy : Cancel For Any Reason , Interrupt For Any Reason and more.

Keep these factors in mind when considering different travel insurance options.

You’ll find a wide selection of travel protection plans when you shop for a policy.

Typically, travel insurance is sold as a package, known as a comprehensive plan, which includes a variety of coverage.

Here are seven of the most common types of travel insurance:

Travel medical insurance

These plans provide health insurance while you’re away from home. Although in some ways these policies work like traditional health plans, generally you cannot use travel health insurance for routine medical events. For example, a routine medical checkup is usually not covered. In addition, these policies often include limitations on coverage and exclusions for pre-existing conditions.

Although most travel insurance plans cover many recreational activities, such as skiing and horseback riding, they often exclude adventure sports, such as skydiving or parasailing, or competition in organized sporting events. You may need to buy a special travel policy designed for adventure or competitive sports.

International travel insurance

Most likely, your U.S.-based medical insurance will not work while you’re traveling internationally, and Medicare does not provide any coverage once you leave the United States outside of a few very specific exemptions. If you plan on traveling abroad, purchasing travel medical insurance could make a lot of sense.

» Learn more: Travel medical insurance: Emergency coverage while you travel internationally

Trip cancellation, interruption and delay

Trip cancellation coverage reimburses you for prepaid, nonrefundable expenses if the tour operator goes out of business or you have to cancel the trip for one of the covered reasons outlined in the policy, such as:

Your own illness.

The illness or death of a family member who’s not traveling with you.

Natural disasters.

Trip interruption insurance covers the nonrefundable cost of the unused portion of the trip if it is interrupted due to a reason outlined in the policy.

Trip delay coverage reimburses you for expenses such as lodging and meals if you’re delayed during a trip (e.g., your flight gets canceled due to weather ).

Many package policies cover all three. These policies are different from the cancellation waivers that cruise lines and tour operators offer, the Insurance Information Institute says. Waivers are cheap, ranging from $40 to $60, and often include restrictions. For example, according to the institute, waivers might not refund your money if you cancel immediately before departure. Waivers are technically not insurance policies.

Some companies offer additional layers of coverage at extra cost. “Cancel For Any Reason” coverage will reimburse a large part of the trip cost, no matter why you back out. And some companies let you pay extra to cover pre-existing conditions if you cancel for medical reasons.

Some insurers and comparison sites let you customize a policy by choosing types of coverage a la carte. For example, TravelInsurance.com is a comparison site that provides quotes from different providers.

Baggage and personal belongings

How does lost luggage insurance work? This coverage reimburses you for baggage and personal belongings that are lost, stolen or damaged during the trip. Some plans also reimburse you for extra expenses if you experience a baggage delay for more than a certain period, such as 12 hours.

Your renters or homeowners insurance may cover personal belongings while you are traveling. It’s best to review your homeowners insurance policy to determine the level of coverage it provides so you do not end up paying for a benefit you already have.

» Learn more: Baggage insurance explained

Emergency medical assistance, evacuation and repatriation

This coverage pays medical expenses if you get sick or injured on a trip . Medical evacuation coverage pays for transporting you to the nearest hospital, and medical repatriation pays for flying you to your home country.

» Learn more: Can I get travel insurance for pre-existing medical conditions?

24-hour assistance

This service is included with many package plans. The insurer provides a 24-hour hotline that you can call when you need help, such as booking a flight after a missed connection, finding lost luggage, or locating a doctor or lawyer.

Generally, travel insurance companies do not cover sports or any activity that can be deemed risky. If you’re thinking of incorporating adventurous activities into your vacation, choose a plan that includes adventure sports coverage.

Most travel insurers cover a wide array of services, but the specific options vary. Some plans include concierge services, providing help with restaurant referrals, tee time reservations and more. Many services also offer information before the trip, such as required vaccinations. The only way to know what’s included is to read the policy.

» Learn more: Should you insure your cruise?

Accidental death and dismemberment insurance

This coverage pays a lump sum to your beneficiary, such as a family member, if you die in an accident while on the trip. Accidental death and dismemberment insurance policies also pay a portion of the sum to you if you lose a hand, foot, limb, eyesight, speech or hearing. Some plans apply only to accidental death in a plane.

This coverage may be duplicative if you already have sufficient life insurance, which pays out whether you die in an accident or from an illness. You may also already have accidental death and dismemberment insurance through work, so it's best to check your policies to ensure you’re not overpaying.

» Learn more: NerdWallet's guide to life insurance

Rental car coverage

Rental car insurance pays for repairing your rental car if it’s damaged in a wreck, by vandals or in a natural disaster. The coverage doesn't include liability insurance, which pays for damage to other vehicles or for the medical treatment of others if you cause an accident and are held responsible.

Ask your car insurance company whether your policy will cover you when renting cars on the trip. U.S. car insurance policies generally don’t cover you when driving in other countries, except Canada.

Car insurance requirements are complex because they vary among countries. You can usually purchase liability insurance from the rental car company. Learn about car insurance requirements by searching for auto insurance by country on the U.S. Embassy website .

» Learn more: Best credit cards for rental car coverage

A note about single vs. long-term policies

Single trip insurance plans are a great option for those going on a single trip for a specific length of time (e.g., a two-week vacation) and then returning home. The price of the policy is usually determined by the cost of the trip.

Long-term travel policies cover you for multiple trips, but there are limitations to how long you can be away from home, if you can return home during your travels and how many trips you can take. In addition, trip cancellation and interruption coverage is either not offered or capped at a dollar amount that can be significantly below the total cost of all the trips taken during the covered period.

Long-term travel insurance plans — often called 'multi-trip' or 'annual travel insurance' — are a suitable option for those who travel often and are satisfied with the amount of trip cancellation coverage for all the trips they take over the duration of the policy.

» Learn more: How annual (multi-trip) travel insurance works

Below, we include how to obtain travel insurance, along with the pros and cons of each option.

Some credit cards offer trip cancellation and rental car insurance if you use the card to book the trip or car.

When you book a trip with your credit card, depending on the card you use, you may already receive trip cancellation and interruption coverage.

» Learn more: 10 credit cards that provide travel insurance

Here are a handful of credit cards that offer varying levels of travel insurance coverage for purchases made with the card.

on Chase's website

on American Express' website

• Trip delay: Up to $500 per ticket for delays more than 12 hours.

• Trip cancellation: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.

• Trip interruption: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.

• Baggage delay: Up to $100 per day for five days.

• Lost luggage: Up to $3,000 per passenger.

• Travel accident: Up to $500,000.

• Rental car insurance: Up to $75,000.

• Trip delay: Up to $500 per ticket for delays more than 6 hours.

• Travel accident: Up to $1 million.

• Rental car insurance: Up to the actual cash value of the car.

• Trip delay: Up to $500 per trip for delays more than 6 hours.

• Trip cancellation: Up to $10,000 per trip. Maximum benefit of $20,000 per 12-month period.

• Trip interruption: Up to $10,000 per trip. Maximum benefit of $20,000 per 12-month period.

Terms apply.

Pros: Coverage is free.

Cons: You can’t customize the insurance to meet your needs. Most credit cards offer secondary car rental insurance, which pays for the costs not covered by your regular car insurance plan.

Travel agents and travel reservation sites

You can buy travel insurance when you book your flight, hotel and car rental.

Pros: Buying is as quick and easy as clicking “yes” when you book reservations. Coverage is inexpensive.

Cons: You can’t customize the coverage.

» Learn more: Airline travel insurance vs. independent travel insurance

Travel insurance comparison sites

You can compare different policies and review quotes at once based on the trip search criteria you’ve input into the search form. Examples include marketplaces like Squaremouth or TravelInsurance.com.

Pros: You can choose a policy that fits your needs and compare policies and pricing in one place.

Cons: Comparing multiple policies takes time.

Travel insurance companies

You can purchase travel insurance directly from an insurance provider.

Pros: You can choose a policy that fits your needs. Many travel insurer websites also offer information to help you understand the coverage.

Cons: You’ll need to go to multiple websites to compare coverage and pricing.

» Learn more: The best travel insurance companies right now

Keep these tips in mind when you’re considering a trip insurance policy.

Evaluate the financial risks you face when traveling. Can you bear those costs yourself, or do you want insurance?

Examine what coverage you already have: Does your credit card offer travel insurance? Do you have renters or homeowners insurance to cover belongings? What is the deductible? Will your health plan cover you in all the locations where you travel?

Get quotes for trip insurance online. Choose a package of the benefits you need and compare prices for similar coverage among carriers.

Narrow your choices and then read the policy fine print to understand what’s covered, what’s excluded and the limits on coverage. You may find that the lowest-priced policy is too restrictive and that paying a little more gets you the coverage you need. Or you might find that the cheapest, most basic policy fits the bill.

If you don’t know which provider to go with, it makes sense to browse a list of plans on a travel insurance comparison site. These online marketplaces will often include plans from the best travel insurance companies along with customer reviews.

Squaremouth

Compare plans from more than 30 providers.

Over 86,000 customer reviews of insurers.

Under its Zero Complaint Guarantee, Squaremouth (a NerdWallet partner) will remove a provider if any customer complaint isn't resolved to its satisfaction.

Has a filter option to see policies that provide COVID-coverage.

TravelInsurance.com

Compare plans from 13 providers.

See good and poor customer ratings and reviews for each insurer when you receive quotes.

“Learning Center” includes travel insurance articles and travel tips, including important how-to information.

Quotes provided from each provider include a link to COVID-19 FAQs, making it easy for customers to review what’s covered or not.

InsureMyTrip

Compare plans from more than two dozen providers.

More than 70,000 customer reviews.

“Anytime Advocates” help customers navigate the claim process and will work on behalf of the customer to help with appealing a denied claim.

Includes a link to plans that offer COVID coverage.

Compare plans from 11 providers.

Search coverage by sporting activity, including ground, air and water sports.

Many types of plans available for students, visiting family members, new immigrants, those seeking COVID quarantine coverage and more.

Compare different insurance plans from 35 providers.

Over 5,600 customer reviews on Trustpilot, with an average 4.9 stars out of five.

Formerly known as AardvarkCompare, AARDY includes a “Travel Insurance 101” learning center to help customers understand various policies and benefits.

Quote search results page includes COVID-coverage highlighted in a different color to make it easier for customers to review related limits.

Whether you’re looking for an international travel insurance plan, emergency medical care, COVID coverage or a policy that includes extreme sports, these providers have you covered.

Our full analysis and more details about each organization can be found here: The Best Travel Insurance Companies Today .

Allianz Global Assistance .

Travel Guard by AIG .

USI Affinity Travel Insurance Services .

Travel Insured International .

World Nomads .

Berkshire Hathaway Travel Protection .

Travelex Insurance Services .

Seven Corners .

AXA Assistance USA .

There are a few scenarios when spending extra on travel insurance doesn't really make sense, like:

You booked flexible airline tickets.

Your hotel room has a good cancellation policy.

It's already included in your credit card.

You haven't booked any nonrefundable activities.

» Learn more: When you don't need travel insurance

Yes, especially for nonrefundable trips and travel during the COVID-era. Whether you purchase a comprehensive travel insurance policy or have travel insurance from your credit card, you shouldn't travel without having some sort of travel protection in place to safeguard you and your trip. Travel insurance can protect you in case of an unexpected emergency such as a canceled flight due to weather, a medical event that requires hospitalization, lost luggage and more.

There are many good travel insurance policies out there and a policy that may be great for you may not be good for someone else. Selecting the best plan depends on what coverage you would like and your trip details.

For example, World Nomads offers a comprehensive travel insurance policy that has excellent coverage for adventure sports. Allianz provides coverage for trips of varying lengths of time through its single trip plans and multi-trip plans. Some providers offer add-on options like Cancel For Any Reason travel insurance. If you’re not sure which plan to go with, consider looking at trip insurance comparison sites like Squaremouth or Insuremytrip.

Yes, you can. However, it's better to purchase it sooner rather than later, ideally right after booking your trip because the benefits begin as soon as you purchase a policy.

Let’s say you’re going on a trip in a month and a week before departure, you fall and break your leg. If you’ve purchased a travel insurance policy, you can use your trip cancellation benefits to get your nonrefundable deposit back.

Most comprehensive travel insurance plans offer trip cancellation, trip interruption, emergency medical and dental, medical evacuation, trip delay and lost luggage coverage. Many plans offer COVID coverage, but you’ll always want to check to ensure that the policy you choose provides that benefit if you’re traveling during these times. Some plans may also allow you to add features like Cancel For Any Reason travel insurance.

It depends which credit card you have. Premium travel cards like the Chase Sapphire Reserve® and The Platinum Card® from American Express offer travel insurance benefits if you book a trip using your card or points.

However, the coverage provided by the credit cards is usually lower than if you purchased a standalone policy. Review the travel insurance benefits on your credit card and check that the limits are adequate before foregoing from purchasing a separate plan.

Let’s say you’re going on a trip in a month and a week before departure, you fall and break your leg. If you’ve purchased a travel insurance policy, you can use your

trip cancellation benefits

to get your nonrefundable deposit back.

It depends which credit card you have. Premium travel cards like the

Chase Sapphire Reserve®

The Platinum Card® from American Express

offer travel insurance benefits if you book a trip using your card or points.

Unpredictability is one of the mind-opening joys of travel, but travel insurance should contain no surprises. The time you spend to understand your options will be well worth the peace of mind as you embark on your next adventure.

Whether you’re seeking a single or a long-term policy, each travel insurance option offers different strengths and weaknesses. Choosing the right policy depends on your trip needs, your budget and how important various benefits are to you.

Keep reading

If you want to dig in deeper to world of travel insurance, these resources will point you in the right direction.

What is travel insurance?

How much is travel insurance?

Is travel insurance worth it?

What does travel insurance cover?

Does travel insurance cover COVID?

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

75,000 Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,125 toward travel when you redeem through Chase Travel℠.

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

75,000 Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's over $900 when you redeem through Chase Travel℠.

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

50,000 Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

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7 Best RV Insurance Companies of 2024

S ince 2016, Money’s editorial team has been evaluating companies that offer RV insurance. Our research and analysis takes into account customer satisfaction, financial stability, coverage options, availability and more. We strive to provide accurate and informative recommendations customized to our readers’ needs.

Money’s Main Takeaways

• Insuring your RV is essential, whether you plan to live in your RV full-time or use it for occasional trips.
• The type, age and condition of your RV, where you live, and your own personal driving record are all factors that will influence the price of your policy.
• We settled on six companies including Good Sam as the best RV insurance broker, National General as the best for full replacement cost coverage and Auto-Owners Insurance as the best for customer service.

Why Trust Us?

Our editors and writers evaluate RV insurance companies independently, ensuring our content is precise and guided by editorial integrity. Read the full methodology to learn more.

• Reviewed 15+ companies
• More than 1,000 hours of research
• We prioritized coverage, discounts, customer sentiment, the NAIC complaint index and financial stability

Our Top Picks for the Best RV Insurance Companies

• Good Sam – Best RV Insurance Agency
• RVInsurance.com – Runner-Up
• Nationwide – Best for Multiple Discounts
• National General – Best for Full Replacement Cost Coverage
• Progressive – Best for Disappearing Deductibles
• Roamly – Best for Renting Out Your RV
• Auto-Owners Insurance – Best for Customer Service

Best RV Insurance Reviews

• Offers full-timer coverage
• Manage your policy online without having to contact an agent
• Membership gets you discounts on campsites, gear stores, fuel and more
• Not a direct insurer

Why we chose this company: Good Sam Insurance Agency is the best option for those who need help choosing coverage. It connects you with some of the best RV insurance companies and helps you get a comprehensive policy that fits your needs.

Good Sam works with well-known insurance companies like Progressive, Foremost, Safeco and National General. Some standard insurance options you can get through Good Sam include comprehensive, collision, liability, property damage and personal injury protection.

Good Sam is also an excellent option for people who drive their RV across the border to Mexico. The company partners with MexicoInsuranceOnline.com, which can pair you with one of three Mexico-based insurers. Agents can recommend add-ons for your cross-border travels based on your specific needs, and you can purchase policies for a single-day trip or longer.

The company also offers a storage discount, which lets you pause collision and liability coverage when your motorhome or trailer is stored for more than 30 consecutive days. This can help you save on monthly insurance premiums if you only use your RV for occasional road trips.

Lastly, the agency can help you customize a full-time RV insurance policy if you use it as a permanent residence.

Learn more: Good Sam RV insurance review

See rates on Good Sam’s Secure Website >>

Why we chose this company: RVInsurance.com can help you find a suitable policy, whether you use your RV for vacationing or as your residence.

• Specialists can help you find a policy
• Policies available for all types of RVs

RVInsurance.com works with Foremost, National General and Safeco. These companies cover all RV types, from motorhomes to campers. They offer several policy add-ons, such as full replacement cost, full-timers liability coverage and roadside assistance.

You can get an insurance quote online, but an insurance specialist can help you compare policies if you call.

See rates on RVInsurance.com’s Secure Website >>

• Free yearly insurance review to evaluate your coverage options and possible discounts
• Optional towing coverage includes lodging, transportation and meals
• Multiple policies available, making it easy to bundle and save
• Many customer complaints about the claims process

Why we chose this company: Nationwide Insurance offers over 10 different discounts, including discounts for staying claim-free during the previous policy period or installing safety devices, like smoke detectors.

Most RV insurers offer discounts that can help you save on premiums. Nationwide’s discount list, however, is particularly extensive. You can save money if you bundle your RV policy with your existing home insurance, take safety courses, belong to an RV organization (such as the National RV Association), pay your annual policy upfront or purchase the company’s full-time RV insurance package.

Note that not all discounts are listed on Nationwide’s website, and some only come up during the quoting process. For example, according to a customer service representative, the company also offers discounts to customers whose vehicles have safety features such as tire-pressure monitoring systems or fiberglass bodies.

Learn more: Nationwide RV insurance review

See rates on Nationwide’s Secure Website >>

• Coverage for specialized equipment such as solar panels
• Pause your coverage when your RV is in storage
• Experts help you find a new RV in the event of total loss
• Low mileage discount
• Eligibility, benefits, coverage and discounts vary per state
• Limited information about policies on its website

Why we chose this company: Full replacement cost coverage can usually only be bought during an RV’s first model year. National General, on the other hand, lets you get the rider within an RV’s first five model years.

With full replacement cost coverage, also known as total loss replacement, your RV gets replaced with a new or similar one if it’s totaled or stolen. You may also get reimbursed for the original purchase price of the vehicle.

This type of coverage is typically only available for newly purchased motorhomes or travel trailers up to one or two model years old. For example, a 2024 model would probably be eligible until 2026. So if you buy a used RV or don’t insure your new one as soon as possible, you risk your vehicle being considered ineligible.

With National General, on the other hand, RVs are eligible during their first five model years. The company can also insure your RV whether you’re the first owner or not — some companies limit this type of coverage to original owners.

The company lets you pause your coverage when your RV is in storage, an option that’s not available with many other providers. You can save money by suspending collision and personal injury riders, for example. However, your RV would still be covered against theft, fires, harsh weather and other non-collision accidents.

Learn more: National General RV insurance review

See rates on National General’s Secure Website >>

• Accident forgiveness for claims under $500
• Horse trailer coverage up to $50k
• Pet injury coverage available
• Add-on coverage available for roof malfunction
• Standard plan doesn't cover personal property replacement or emergency expenses
• Insurance rates can vary if you buy online or through an agent
• Discounts are not available in all states

Why we chose this company: Progressive offers disappearing deductibles, accident forgiveness and an extensive array of discounts.

With Progressive, you can save on premiums if you’re the RV’s original owner or if you pay your policy in advance, among other discounts. However, what makes Progressive’s discount list stand out are disappearing deductibles and accident forgiveness.

Not many companies provide these discounts, and if they do, they only offer one or the other. With disappearing deductibles, the longer you go without filing a claim, the lower your insurance deductibles get.

Progressive deducts 25% from your total deductible amount for every claim-free policy period. After four consecutive claim-free periods, your deductible will be $0. Other insurance companies that offer disappearing deductibles cap the discount to a maximum of $500 — if your deductible exceeds $500, you’d still have to pay the remaining amount.

Disappearing deductibles, also known as vanishing deductibles, have an additional cost.

However, the feature is included if your vehicle is valued at $25,000 or more and you purchase the comprehensive and collision coverage package. Both riders are recommended since they ensure the vehicle is covered for car accidents and non-collision events, like a fire.

Accident forgiveness — which keeps your premium rates from increasing if claims are for $500 or less — is included at no additional cost.

See rates on Progressive’s Secure Website >>

• Specializes in RV insurance
• Coverage even when renting out your RV
• Policies for full-time RVers are available
• Covers Canada rentals
• Only offers RV policies

Why we chose this company: Insurers typically decline coverage if you rent your RV to someone else. With Roamly, you can rent out your RV and still be covered for liability and damage to the vehicle.

Rented RVs require comprehensive commercial insurance because they’re exposed to more risk than personal vehicles. Renting out your motorhome or camper without insuring it can result in denied claims, especially if the renter doesn’t have coverage either.

With Roamly, your RV is always covered when listed in rental platforms like Outdoorsy (which owns Roamly). When someone books your RV through Outdoorsy, they can purchase a renters protection package. These policies can include trip protection, interior damage and travel medical insurance.

Roamly covers rented RVs for actual cash value during a rental period. Also, policies include $1 million in liability insurance protection during each trip.

Learn more: Roamly RV insurance review

See rates on Roamly’s Secure Website >>

• Premium reduction if RV is equipped with certain safety features
• Towing and roadside assistance in all 50 states and Canada
• Mobile app for Apple and Android
• No online quotes

Why we chose this company: Auto-Owners is our pick for personalized customer service because of its network of independent agents, online customer center and mobile app. Customers can access claims, billing and other important policy documents on their phone, tablet or computer.

Auto-Owners has an impressive customer service record, with fewer complaints on record with the National Association of Insurance Commissioners (NAIC) than most competitors. It also ranked above average in the southeast region in J.D. Power’s 2022 Auto Insurance Customer Satisfaction study.

Unlike other companies, Auto-Owners only sells its insurance products through independent agents. Instead of contacting the company online, you work directly with local agencies which can better advise you regarding specific insurance requirements in your area. For example, bodily injury and property damage liability limits set by law vary by state.

Learn more: Auto-Owners RV insurance review

See rates on Auto-Owners’s Secure Website >>

Other RV Insurance companies we considered

During our research for the best recreational vehicle insurance providers, we narrowed down our initial list to 7 companies. The following didn’t make our final cut, not because they were lacking, but because other competitors had more standout features.

• Covers motorhomes, travel trailers and campers
• Membership plan includes roadside assistance, hotel discounts and more
• Extra coverage for lodging and transportation if your RV is damaged
• Coverage options are not standard across regions (southwest, northeast, etc.)
• RV policy not available nationwide
• Limited information available online

AAA offers coverage for different types of RVs and some of its policies also cover personal effects such as electronics. However, it didn’t make our list because their coverage is not available in all 50 states.

See rates on AAA’s Secure Website >>

• Discount if you transfer from another insurance company
• Discounts for drivers 55 years or older
• Gas price locator to help you find the cheapest gas
• Limited information on company website
• Online quotes not available

Allstate’s policies include emergency travel expenses if you’re over 50 miles from home when your RV breaks down and the issue is covered under the policy. Allstate is not on our main list because it only provides quotes through its sales agents and the information on its website is limited.

See rates on Allstate’s Secure Website >>

• Windshield deductible is only $50 for total replacements
• Personal effects replacement limits up to $100,000
• Free accident forgiveness for those who have been accident-free for 5+ years
• Limited information available on the company's website
• Enhanced RV coverage is not available in HI, MA, MI and NC
• Availability of total loss replacement coverage varies by state and vehicle value

While Geico offers coverage options comparable to those of other companies on our list (such as total loss replacement, emergency expenses coverage and vacation liability), its policies aren’t available nationwide. Its website also lacks crucial details, such as available discounts.

See rates on Geico’s Secure Website >>

• Loan or lease protection coverage available
• Deductibles diminish $100 per year up to $500
• Insures motorhomes valued at up to $1 million
• Coverage available for custom equipment
• Only covers vehicles used 250 days or less per year
• Limited information available on website
• No online quotes available

Safeco offers coverage for class A, B, and C motorhomes valued at up to $1 million, but it only insures these vehicles if you use them recreationally. Safeco didn’t make our list because its website doesn’t offer a lot of information and coverage is limited to vehicles used less than 250 days a year.

See rates on Safeco’s Secure Website >>

• Coverage for emergency expenses if camper is damaged or destroyed
• Pays for transportation of damaged RV to storage, repair shop or home
• Full-timer coverage for travel trailers, motor homes, luxury motorcoaches and more
• Special policies for USAA members
• Not available in DC or Hawaii
• Limited information on website

Foremost, a subsidiary of Farmers Insurance, has policies for full-timers as well as stationary travel trailers. It also covers personal-use motor homes that you occasionally rent, lease or loan. Unfortunately, this policy doesn’t cover the vehicle while it’s rented, leased or loaned.

See rates on Foremost’s Secure Website >>

• Part-time users can opt for storage-only insurance during the off-season
• Policy extends to travel anywhere in Canada
• Insures equipment permanently attached to your RV
• No information regarding discounts

Despite offering coverage in Canada, Farmers Insurance fell short of our list due to limited information on their website regarding specific coverages and discounts. This lack of transparency makes it challenging for consumers to assess the scope and value of its policies.

See rates on Farmers’ Secure Website >>

• Discounts for safe driving and original ownership
• Multi-vehicle discount
• Coverage for all RV classes, including slide-on campers
• Members get a 5% discount on policies
• Policies only available to military families
• 5% members-only discount not available in all states

USAA offers RV insurance through an alliance with Progressive, which covers almost all types of RVs. The drawback to USAA’s policies is that they’re only available to military families.

See rates on USAA’s Secure Website >>

Country Financial

• Multi-policy discount
• Mobile app for Apple and Android devices
• Only available through agents
• Operates in only 19 states

Country Financial’s RV insurance policies fall under home or auto insurance. That can be a drawback for consumers who already have a preferred auto or home insurer. Another notable snag in its coverage is that it’s available in only 19 states.

See rates on Country Financial’s Secure Website >>

National Interstate

• Options for RV full-timers
• 25% deductible discount for each consecutive claim-free year
• Windshield replacement coverage
• Coverage for commercial RVs
• Website lacks information about terms and discounts

National Interstate has policy options for RV full-timers and covers commercial RVs. This insurer is not featured on our main list because its website doesn’t provide details regarding policies or discounts.

See rates on National Interstate’s Secure Website >>

The Hartford

• Lifetime guarantee for repairs done in authorized repair shops
• 24/7 claims submission
• RV replacement if it's totaled in the first 15 months
• Only available to AARP members
• Not available in U.S. territories

The Hartford allows policyholders to customize their RV insurance coverage, and its lifetime guarantee for repairs in authorized shops is a highlight of its policies. However, coverage is only available to AARP members, which is a considerable drawback.

See rates on The Hartford’s Secure Website >>

RV Insurance Guide

Like auto insurance, an RV insurance policy provides financial protection in the event of accidents, injuries and other unfortunate scenarios. This means it can reimburse you for repairs, medical bills and liability expenses in the event you injure someone or damage their property.

Most RV insurance providers offer comprehensive policies covering everything from collisions, theft and loss of personal belongings to medical expenses and more. However, not everyone needs an all-inclusive policy, especially those who use their RVs occasionally.

Read on to find out how much RV insurance costs, learn about the different coverage options available and get tips on choosing the right coverage for your needs while saving on premiums.

Table of contents

How much is rv insurance, types of rvs, what type of insurance does an rv need, what does rv insurance not cover.

• How to buy RV insurance

Renting out your RV

According to Progressive, an RV insurance policy for a travel trailer (an RV that you tow behind your own vehicle) costs an average of $573 per year, while coverage for a motorhome costs an average of $958 per year.

The cost of an RV insurance policy is influenced by the following factors:

• The type of RV: Motorhomes are more expensive to insure than trailers (especially motorhomes with state-of-the-art components).
• Age and condition: Older trailers and motorhomes cost less to insure than their modern counterparts due to their reduced resale value.
• Type of RV insurance: A policy with just liability coverage is more affordable than a comprehensive policy that includes collision and personal property coverage.
• Where you live: As with most other types of insurance, your state and zip code affect your insurance rates. RVs in areas prone to extreme weather will be more expensive to insure.
• Driving experience and driving record: A first-time RV owner poses a higher risk than someone who’s been living the van life for years. Insurers will also look at your general driving record to determine an appropriate rate.
• Claims history: Just as with auto insurance, a lengthy claims history is a red flag to insurers. A driver who has never filed an insurance claim will get a much better rate than one who has cashed in on their policy in the past.
• Additional coverage: Purchasing add-ons that augment your standard coverage can substantially increase your premium. Additional coverage options may include roadside assistance, total loss replacement, vacation liability and full-timers coverage.

Recreational vehicles, more commonly known as RVs, can be classified into one of four categories: Class A, Class B, Class C and towable RVs. The first three are motorhomes, which means they’re drivable units equipped with living quarters and appliances. Towable RVs, also called campers or trailers, can have home amenities too. However, some are designed to transport animals or cargo.

Here’s the rundown of the different types of RVs available:

Class A motorhomes

Class A motorhomes are the most luxurious and spacious. They are similar to commercial buses, measuring anywhere between 24 to 45 feet in length and fitting as many as 12 passengers. However, their size can make them difficult to drive and limits their mileage to around 10 miles per gallon or less.

Class B motorhomes

Class B motorhomes, also known as “camper vans,” are the smallest and least expensive type, with a length of 17 to 19 feet. These are standard-sized vans usually packed with a compact kitchen, bathroom and foldable or fixed bed. Their limited living space makes them suitable for four passengers or less who enjoy minimalist traveling.

Class B+ or B Plus motorhomes

Class B+ or B Plus motorhomes are the big siblings of Class B camper vans. These vehicles measure between 17 and 30 feet, fitting bigger beds and more spacious bathroom and kitchen areas.

Class C motorhomes

Class C motorhomes are the middle ground between Class A and B RVs. They measure between 21 to 41 feet in length and are easily recognized by their over-cab sleeping or storage area.

Although smaller than Class A RVs, Class Cs are suitable for full-time occupancy, delivering better gas mileage and easier maneuverability. These vehicles can fit up to eight passengers and include a fully equipped kitchen and spacious dining, bathroom and living room areas.

Towable RVs

Towable RVs are pulled by hitches on SUVs, pickup trucks or any vehicle that can tow the RVs weight. Towable RVs that feature living quarters include fifth wheels, toy haulers, travel trailers and pop-up campers. These range from under 10 feet for pop-ups to 30 feet for fifth-wheel trailers.

Truck campers are also considered towable RVs, but you don’t pull them with a hitch. Instead, they sit on the bed of a pickup truck. Other types of towable RVs include utility, cargo and horse trailers.

Since RVs can be both a vehicle and a primary residence, there are special considerations when insuring them. Some policies only offer basic liability protection while others offer broader coverage for things like personal effects and emergency expenses.

Keep in mind that if your RV is self-propelled, your coverage should meet your state’s minimum liability insurance requirements. This applies whether you use the vehicle occasionally or as a residence.

If your RV is towable, the insurance policy on the vehicle used to tow it may extend to the RV. However, note that the towing vehicle’s policy usually only covers liability and not physical damage to the RV or attached accessories.

Best RV insurance features for part-time RVers

People who use their motorhomes for weekend getaways should at least have basic liability coverage that meets their state’s minimum requirements.

Other types of RV insurance for part-time RVers include:

• Property-damage liability coverage: Pays for damages that you cause to another person’s property or vehicle.
• Bodily injury liability coverage: Helps pay the medical expenses of those you injure in an at-fault accident.
• Collision coverage: Covers repairs to your RV after an accident with another vehicle, whether you’re at fault or not.
• Comprehensive coverage: Pays for damages caused by theft, vandalism, natural disasters, fire and other non-collision accidents.
• Uninsured/Underinsured motorist coverage: Covers the cost of repairs to your RV and your medical payments if you’re in an accident caused by a driver that doesn’t have insurance or has insufficient coverage to pay your claim.
• Personal Injury Protection (PIP): Covers medical expenses for both you and your passenger in the event of an accident, no matter who was at fault. It may also cover lost wages.
• Campsite/vacation liability coverage: Helps pay for legal expenses if you’re found at fault for injuries or losses suffered by a non-family member while in your campsite area or inside your RV.
• Roadside Assistance: Offers around-the-clock repairs, towing and emergency assistance should your RV experience a flat tire, battery discharge or other malfunction.

Best RV insurance features for full-time RVers

For added peace of mind, full-time RVers should consider having a more comprehensive policy that includes some of the above-mentioned add-ons as well as any of the following:

• Personal property coverage: Covers the cost of replacing any damaged or stolen personal effects. This includes clothing, furniture, jewelry and computers, for example.
• Total loss replacement: Replaces your RV with an equal or similar model if your vehicle is ever stolen or totaled in an accident. In other cases, the insurer may reimburse you for the original purchase price. Note that lenders may require this coverage if you finance your RV.
• Full-time RV liability coverage: Adds additional coverage for liability and medical expenses if you live in your RV for six months or more each year.
• Emergency expense allowance: Covers up to a specified amount of living and travel expenses like car rentals, lodging and food if your RV leaves you stranded, usually more than 100 miles away.
• Specialized coverage: Can replace appliances like awnings, satellite dishes, and solar panels and can even provide coverage for any pet injuries that happen in the vehicle.
• Loss assessment: Helps cover fees charged by RV associations for damage to common areas in a campsite, for example.

RV insurance won’t cover the following:

• Normal wear and tear: RV insurance protects your vehicle against unexpected events, not routine maintenance or deterioration.
• Mold damage, fungi or rot: Insurers consider mold a sign of neglect and won’t cover damages unless it’s directly linked to water damage caused by a covered event.
• Certain types of water damage: RV insurance doesn’t cover water damage that’s caused by regular wear and tear, freezing temperatures or manufacturer defects.

Comprehensive RV insurance covers most natural disasters, including flash floods, storm surges and fire. Earthquake coverage varies by insurer — it may be covered under a comprehensive RV policy or you may need to purchase earthquake coverage separately.

How to Buy RV Insurance

Here are some tips on how to find and purchase the right RV insurance coverage for you.

Take time to shop around for insurance quotes

The cost of RV insurance will depend on your driving history, where you live, the type of vehicle you own and whether you intend to live in the RV full-time or use it for vacations. Adding optional riders like pet and accessories coverage will hike up your premium.

Requesting multiple RV insurance quotes can work out to your advantage. Those who compare estimates and coverage options before choosing often find the best rates.

If you don’t have the time to shop around, you can consult an independent insurance agent. They can help you choose the right coverage and guide you to companies with attractive rates and policy features that meet your needs.

Consider bundling multiple policies

Most insurance providers offer a multi-policy discount when you combine your RV insurance with other qualified policies.

You can save on premiums by combining your RV policy with your current auto, home or boat insurance . Some insurers also let you bundle your policy with renters or life insurance policies . Bundling multiple policies under one provider can also help you avoid the hassle of dealing with different companies come time to file a claim.

If you don’t want to pay two premiums, you can consider adding your RV to your existing auto insurance policy . Just know that the insurance you have on your car usually only extends to towable campers or trailers, not motorhomes. Also, keep in mind that car insurance may cover you against liability and damages to the RV, but not belongings or appliances inside the vehicle.

Homeowners insurance may also offer some coverage for RVs, but only when the vehicle is parked on the insured property’s premises.

Another option is getting umbrella insurance to cover your RV. This type of policy covers liability claims that exceed the limits of your primary auto, home or RV policy. However, this coverage only kicks in if your RV is covered by an underlying policy that meets the liability requirements of the umbrella policy.

Check for available discounts

While these may vary by company, most insurers offer rate discounts for:

• Paying the total annual policy upfront
• Making monthly payments on time
• Staying claim-free during the previous policy period
• Being the vehicle’s original owner
• Installing safety features in your RV (a tire pressure monitoring system, for example)
• Having a favorable loss history (the record of insurance losses associated with the vehicle)
• Being a safe driver (staying accident-free for at least three years)
• Taking safety courses
• Being a member of an RV association

Drivers aged 50 and up can snag a lower rate, as can parents or guardians who opt not to insure drivers under 25 on their policy.

Insurance when renting an RV

If you plan on renting an RV for a vacation, you should consider getting RV rental insurance. This type of policy is similar to car rental insurance since both usually provide liability, collision damage waiver, personal accident or personal effects coverage.

Policies can be purchased through the rental company or your own insurance provider — if it offers such coverage. However, keep in mind that your current car or RV insurance policy may already extend some coverage to the rented RV. Coverage may not be available in all states or for trips longer than 30 days, so you should call your insurer to verify before heading out.

Some insurance companies also offer RV coverage for trips to Mexico. While this type of policy can be useful for someone planning a vacation, it is more commonly recommended for RV owners who frequently cross the border.

If you rent your RV to others, it’s considered a commercial-use vehicle, and your insurance policy won’t cover the renter. The person must obtain their own rental insurance for the trip. If you’re merely lending your RV to a friend or family member, your existing coverage may extend to them, depending on the details of your policy.

However, note that some states — including Arkansas and Wisconsin — require drivers to get special licenses to drive RVs. If you live in one of these states and you lend your RV to someone, that person must have the required license if you want your insurance policy to cover them.

What kind of insurance do I need to rent out my RV?

To rent out an RV, you’ll need at least liability coverage, which pays for damages or injury you may cause to other people and their property in an at-fault accident.

With the exception of New Hampshire, all states and the District of Columbia, require that vehicles, including RVs, have some form of liability coverage.

Insurance for towable RVs is another matter. When you’re towing your RV behind another vehicle instead of driving it, you only have to worry about having enough coverage to protect your belongings, not about additional liability insurance.

RV Insurance FAQs

What states require trailer insurance.

Trailer insurance requirements vary by state and by type of trailer. Most local governments require liability insurance, while others also require uninsured motorist coverage.

There are currently only two states that don't require any type of trailer insurance. You can drive an uninsured vehicle in Virginia as long as you pay an uninsured motorist fee. In New Hampshire, you can drive uninsured if you prove you have enough money to cover liability expenses in an at-fault accident.

Do you need trailer insurance?

You don't need insurance for a non-motorized trailer that's hooked up to a towing vehicle. The vehicle's insurance coverage extends to the trailer attached to it. However, this coverage is typically limited to liability.

Talk to your auto insurance provider if you want to add property damage coverage for the trailer or purchase a separate RV insurance so that the trailer itself is insured against damage.

Who has the best RV insurance?

Does rv insurance cover water damage, what is vacation liability rv insurance, how we chose the best rv insurance.

• Coverage options and discounts. We picked companies that offer a comprehensive selection of coverage options and premium discounts.
• Customer satisfaction. We favored companies that had above-average scores in J.D. Power’s U.S. Auto Insurance Study. We also considered customer feedback from review sites such as the Better Business Bureau (BBB).
• Financial strength. We considered the financial strength of each insurer as evidenced by their A.M. Best rating. A.M Best is a credit rating agency that assesses the creditworthiness of insurance companies.
• Complaint index. We looked up every insurer’s complaint trend report from the National Association of Insurance Commissioners (NAIC) and favored those with few complaints.

Summary of Money’s Best RV Insurance of 2024

© Copyright 2024 Money Group, LLC . All Rights Reserved.

This article originally appeared on Money.com and may contain affiliate links for which Money receives compensation. Opinions expressed in this article are the author's alone, not those of a third-party entity, and have not been reviewed, approved, or otherwise endorsed. Offers may be subject to change without notice. For more information, read Money’s full disclaimer .

• Travel Insurance

The journalists on the editorial team at Forbes Advisor Australia base their research and opinions on objective, independent information-gathering.

When covering investment and personal finance stories, we aim to inform our readers rather than recommend specific financial product or asset classes. While we may highlight certain positives of a financial product or asset class, there is no guarantee that readers will benefit from the product or investment approach and may, in fact, make a loss if they acquire the product or adopt the approach.

To the extent any recommendations or statements of opinion or fact made in a story may constitute financial advice, they constitute general information and not personal financial advice in any form. As such, any recommendations or statements do not take into account the financial circumstances, investment objectives, tax implications, or any specific requirements of readers.

Readers of our stories should not act on any recommendation without first taking appropriate steps to verify the information in the stories consulting their independent financial adviser in order to ascertain whether the recommendation (if any) is appropriate, having regard to their investment objectives, financial situation and particular needs. Providing access to our stories should not be construed as investment advice or a solicitation to buy or sell any security or product, or to engage in or refrain from engaging in any transaction by Forbes Advisor Australia. In comparing various financial products and services, we are unable to compare every provider in the market so our rankings do not constitute a comprehensive review of a particular sector. While we do go to great lengths to ensure our ranking criteria matches the concerns of consumers, we cannot guarantee that every relevant feature of a financial product will be reviewed. We make every effort to provide accurate and up-to-date information. However, Forbes Advisor Australia cannot guarantee the accuracy, completeness or timeliness of this website. Forbes Advisor Australia accepts no responsibility to update any person regarding any inaccuracy, omission or change in information in our stories or any other information made available to a person, nor any obligation to furnish the person with any further information.

Travel Insurance For Canada: What You Need To Know Before You Go

Updated: Apr 30, 2024, 1:13pm

Table of Contents

Do you need travel insurance for canada, what type of travel insurance do you need, what does travel insurance for canada cover, what does travel insurance exclude, best travel insurance for canada, frequently asked questions (faqs).

From hiking trails in Ontario to traversing the slopes of the famous ski resort town of Whistler, there is no shortage of places to visit in Canada.

The vast North American country is a popular destination for travel-loving Aussies. In addition to a growing share of business travelers, more than 350,000 Australian tourists typically visit Canada each year.

While visitor numbers faded during the Covid-19 pandemic, the multitude of Australians heading to the Great White North has picked up in the last two years, particularly to experience the country’s stunning landscape.

Fast Cover Travel Insurance

On Fast Cover’s Secure Website

Medical cover

Unlimited, 24/7 Emergency Assistance

Cancellations

Unlimited, (Trip Disruption $50,000)

Key Features

25-Day Cooling Off Period, Australian Based Call Centre, 4.6 Star Product Review Rating

Cover-More Travel Insurance

On Cover-more’s secure website

Unlimited, with a $2000 limit to dental

Yes, amount chosen by customer

Southern Cross Travel Insurance

Medical Cover

Including medical treatment, doctors’ visits, prescribed medication, specialist treatment & medical transport costs

$2,500 with option to increase to unlimited

Travel insurance for Canada isn’t compulsory, but it’s highly recommended to cover for any lost or stolen baggage, the possibility of your trip getting cancelled due to an emergency, illness such as Covid-19 or bereavement, and to cover medical expenses.

The Australian Government’s Smartraveller website recommends that travellers purchase travel insurance before any overseas trip.

As in any foreign country, medical care in Canada can be expensive for visitors, with a visit to a doctor potentially setting you back by hundreds of dollars.

The Australian government won’t cover these costs, and there is no reciprocal healthcare agreement between Australia and Canada, so you aren’t covered by Australian Medicare either.

In addition, given the large geography of the country covering a variety of destinations from beaches to mountains to national parks, it is wise to hold insurance cover for a multitude of events and a variety of potential risks including natural disasters, crime or other types of emergencies.

International travel cover for Canada is generally available in the following ways:

Basic travel insurance

This type of policy is broadly focused on cover for unlimited overseas emergency medical expenses, but also includes insurance for luggage, personal liability and other essential benefits. It is usually the cheapest option available and is suitable for those traveling on a budget or for single trips.

Comprehensive travel insurance

This type of insurance typically includes higher amounts of cover for the essentials benefits such as medical expenses, luggage, personal liability, and so on. In addition, it includes cover for travel delays, rental vehicle excess, loss of passports and credit cards, hijacking, disability, accidental death, and more, depending on your policy.

Some insurers offer variations of the comprehensive policy that are suitable for multiple trips within a 12-month period.

Optional add-on policies

Given the growing number of Australians heading to Canada for cruises, road trips or to the ski slopes, some insurers have come up with add-on policies specifically tailored for a variety of adventure sports and transport options available. These include cruise packs, winter sports packs and even higher cover for rental vehicles.

Related: How Much Does Travel Insurance Cost?

Most international travel insurance policies will cover medical and hospital expenses, ambulance transportation, repatriation flights, as well as personal liability if you injure someone, or damage property while you’re in the country.

Policies will also cover, within limits, lost or delayed luggage and possessions, the costs of trip delays, interruptions or cancellations, and lost or stolen travel documents.

Comprehensive policies usually offer a broader cover to include personal accident cover in case of an injury during your trip that leads to permanent disability or death, and insurance excess payment if your rental car meets with an accident.

If you are planning to take advantage of Canada’s vast offering of adventure sports and activities, make sure these are covered by your policy—or that there is an option to add it on.

Most comprehensive policies will include popular sporting and leisure activities such as hiking, surfing, kayaking, and so on. However, more extreme activities such as skydiving, scuba diving, snow skiing or snowboarding will generally require an additional adventure sports cover at extra cost.

Most travel insurance policies to Canada will not provide cover in the following cases:

• Illegal activities: Insurers will reject any claims arising if you knowingly act illegally or dangerously.
• If you are under the influence: Insurance cover is specifically void if you cause a disturbance through drunken behaviour or under the influence of drugs.
• Unattended luggage: Insurers will ignore any claim for loss if your luggage is stolen while it was left unattended in public.
• Pre-existing medical conditions: Insurers can avoid claims for any major medical conditions, if they have not been made aware of these before taking out a policy.
• Extreme sports: International travel insurance policies generally don’t provide automatic coverage for things like extreme sports, snowboarding or surfing. An optional add-on cover is required for these activities.

Most travel insurers in Australia offer insurance policies for travel to Canada. What policy suits you best will depend on your requirements including duration, age, and the type of cover.

It will also be determined by your specific needs, such as whether you are taking part in snow sports or other adventure activities.

An easy way to compare travel insurance policies is to use an online comparison tool, or read through our leading picks of travel insurance policies for Australians . However, always consider whether or not they include the extras you will require for your trip, and any pre-existing medical conditions you would require cover for.

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Do I need travel insurance to travel to Canada?

Travel insurance for Canada isn’t mandatory, but is highly recommended.

The Australian Government urges travellers to purchase travel insurance before any overseas trip, especially for medical cover.

Medical costs can be extremely expensive in a foreign country, especially if you have to visit a doctor, dentist or hospital in an emergency, so travel insurance is very handy.

Does my visa card have travel insurance?

Not every credit card comes with travel insurance. Complimentary travel insurance is typically offered on premium credit or rewards cards that have higher annual fees. In addition, this may not cover all circumstances or emergencies. By comparison, a travel insurance policy will offer more comprehensive coverage that includes emergency medical expenses.

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Prashant Mehra is a freelance journalist based in Sydney. He has more than 20 years of international experience covering financial news, including with Reuters and the Australian Associated Press (AAP). He writes about business, markets, the economy and investing.