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Do I Need Travel Insurance for Mexico?

Anya Kartashova

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

Table of Contents

Do I need travel insurance for Mexico?

What are the different types of mexican travel insurance, which credit cards offer travel insurance, where can you purchase more coverage, final thoughts on buying travel insurance for mexico.

Planning a trip to Mexico? The country has a lot to offer to globetrotters: breathtaking beaches, flavorful food, and striking sights. Plus, it’s easy to get to with nonstop flights from many U.S. hubs.

Once you’ve booked your ticket, you might be wondering if you should buy travel insurance for your Mexico trip. Here's a look at whether Mexico travel insurance is required, what credit cards offer trip coverage and where else you can buy a policy if you need additional protections.

If you’re a frequent traveler, something going wrong on your travels isn't a matter of if, but a matter of when. You could experience an overnight delay, your bag might not make it to your destination or your rental car may no longer be where you parked it.

Because traveling is anything but perfect, you might consider purchasing a travel insurance policy for a variety of reasons, including:

To protect the upfront costs in case of a cancellation or a delay.

To protect yourself from a costly bill in case of an emergency medical situation.

Although travel insurance isn’t required for Mexico, many people still choose to purchase it. You’ll want to take a look at the overall trip and expenses while you consider your options .

For example, are you renting a car for a self-drive adventure? You might consider a policy that includes rental accident coverage . Is the cruise you booked out of Cozumel setting sail the day you arrive? You might want to have missed-connection coverage. Will you be traveling to Cancun during hurricane season? Look for a plan that covers inclement weather .

Travel insurance coverage ranges from basic to extended and the limits vary. You will typically find the following types of insurance and coverage in a comprehensive travel insurance plan.

Accidental death and dismemberment insurance provides coverage for death or losing a limb, sight, hearing or speech as a result of an accident.

Baggage delay reimburses the cost of essential items paid for in the first few days of not receiving your checked bag.

Baggage loss reimburses the cost of your suitcase and belongings should a checked bag become lost, stolen or damaged.

Emergency medical evacuation and repatriation insurance provides coverage for transportation to the nearest medical facility or your home country (including the transport of remains).

Rental car collision damage waiver offers insurance against damage or theft of a rental car.

Trip cancellation reimburses prepaid nonrefundable costs if you must cancel a trip for an unforeseen covered reason, such as illness or a natural disaster (note that this doesn’t provide Cancel For Any Reason coverage).

Trip delay covers transportation, meals and lodging should your common carrier be delayed or you can’t return home because of quarantine.

Trip interruption reimburses you for unused, nonrefundable costs if the trip has to be cut short for a covered reason and you must return home.

» Learn more: Is travel insurance worth it?

Before you decide to buy independent travel insurance for Mexico, check to see if you already have coverage provided as a benefit of one of your travel credit cards . With most cards, the coverage limits are typically lower than on a comprehensive plan, but it’s better than nothing.

The following cards provide coverage against trip delay, baggage delay or loss, travel accidents, and rental car collision damage:

Capital One Venture X Rewards Credit Card .

Chase Sapphire Preferred® Card .

Chase Sapphire Reserve® .

The Platinum Card® from American Express .

United℠ Explorer Card .

Terms apply.

If you hold one of the cards above, or perhaps a different credit card, familiarize yourself with the benefits guide. You might be pleasantly surprised to know that several items of a comprehensive travel insurance plan are included as long as you pay for the trip with that credit card.

One of the most valuable perks is collision damage insurance for a rental car. However — and we can’t stress this enough — beware that the rental car collision damage waiver included with the cards above doesn’t cover the liability insurance that car rental companies in Mexico require.

You might be surprised to arrive at the rental car counter after having reserved an inexpensive vehicle only to be hit with an astronomical fee on top of the bill. Before you yell at the agent, know that the charge is legitimate as this coverage is required by law. Either obtain the required coverage before arriving in Mexico or pay for a liability plan from the rental company .

» Learn more: The best travel credit cards right now

Although trip insurance that comes with travel rewards credit cards is good to have, you might notice that some of the coverage limits aren’t particularly high. If you feel like you need better travel insurance for Mexico, consider investing in a comprehensive independent policy.

Travel insurance marketplaces, like InsureMyTrip, Squaremouth orTravelGuard can help you find trip coverage, compare quotes and narrow down a plan for your needs and at your price point. Travel insurance providers include AXA Assistance, Battleface, GoReady, IMG , Seven Corners , Trawick International, Nationwide and more.

Depending on the plan, you can get coverage for trip cancellation and interruption, baggage delay or loss, rental car collision damage waiver, emergency medical insurance and emergency medical evacuation coverage. You might even get COVID-19 coverage with some plans, so make sure to read over each plan’s terms carefully.

With travel insurance marketplace tools, you can filter quote results based on what you want the policy to cover, including coronavirus pandemic, quarantine extension or pre-existing conditions .

It’s worth noting that general travel insurance doesn’t cover extreme sports like scuba diving, so if you plan on diving in the cenotes of Yucatan Peninsula or at Land’s End in Cabo San Lucas, consider purchasing scuba diving insurance from DiveAssure, Divers Alert Network or World Nomads .

» Learn more: Airline travel insurance versus independent travel insurance

Travel insurance can help put your mind at ease in case something goes wrong on your trip. Although you don’t have to buy travel insurance for Mexico, you might give the idea a second thought as you never know what can happen abroad. Luckily, many credit cards provide some basic coverage, and if you need more protection, you can always purchase a comprehensive plan that fits your needs.

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

Chase Sapphire Reserve Credit Card

on Chase's website

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.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.

Chase Sapphire Preferred Credit Card

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.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

Chase Southwest Rapid Rewards® Plus Credit Card

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.

travel health insurance for mexico

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The Best Travel Insurance for Mexico in 2024

travel health insurance for mexico

Allianz Travel Insurance »

travel health insurance for mexico

Seven Corners »

travel health insurance for mexico

Generali Global Assistance »

travel health insurance for mexico

Trawick International »

travel health insurance for mexico

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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Learn about medical insurance options for short visits, extended stays and long-term residency in Mexico

Health Insurance Options

Mexico’s public health service does not have reciprocal agreements with any other country, and US Medicare is not available here  so visitors and foreign residents need to make specific provision for their health care needs.  In the event of an incident that requires healthcare or medical attention, you’ll need to pay out-of-pocket, or arrange a health or medical insurance policy that is valid in Mexico and provide suitable cover for you and your partner/family in the event of an accident or illness.  This article explains the various options for visitors, extended stays, and foreign residents.

Health Insurance for Short Visits to Mexico

If you’re visiting Mexico for a short period —on a vacation or short business trip, for example— travel insurance policies which cover you for a limited time while you’re away from home should suffice.  These might be provided by your current healthcare provider (but double-check the small print), through an employer’s health plan if you’re here on a short business visit, or through purchase of a short-trip travel insurance policy.  You can learn more about short-term travel health insurance on our guide to insurance in Mexico .

Health Insurance for Extended Stays in Mexico

If you plan to be in Mexico for an extended stay, but don’t intent to take-up residence in Mexico – for example, you might take a sabbatical, a  volunteer job , or plan to stay in Mexico for six months or less , then a short-term travel insurance policy might not cover your needs.  In these circumstances, you may consider a private health insurance policy that covers you locally and, if you retain health coverages in your home country, you might also consider taking out a medical evacuation plan in the event of a serious medical incident that requires you to be flown home for treatment and recovery.

Health Insurance for Foreign Residents in Mexico

If you intend to apply for, or have, legal residency in Mexico , a travel insurance policy won’t be valid as these are designed for people who come to Mexico for a short defined period and return to their country of residence.  If you have health insurance cover in your country of residence, the policy might cover you if you’re living abroad (but probably won’t) and in most cases you would need to evacuate back to your home country to avail yourself of any coverages.  Therefore, if you plan to reside in Mexico, you should consider health insurance coverages that will be valid and provide adequate care for your needs.  Here are the options:

Mexico’s IMSS Medical Insurance

Foreign residents (temporary or permanent) can apply for the Mexican public healthcare insurance system known an IMSS on a voluntary basis which provides access to certain doctors, clinics and hospitals in Mexico.  Some medications are also covered under this plan.  Coverage costs depend on your age; restrictions and limitations apply and, like all publicly-funded healthcare systems, patient demand is usually higher than the supply of services, so you may have to wait for care. (Note also that people who are enrolled in IMSS through an employer get priority over those who enroll voluntarily.)  This article explains the IMSS medical insurance system in Mexico .

Private Medical Insurance in Mexico

Most foreign residents who can afford to do so will take out a private medical insurance plan that covers their personal needs and gives them direct access to private doctors, clinics and hospitals in Mexico.  Policies are crafted to the individual situation of the person, couple, or family, and premiums depend on things like your age, term of coverage, coverages included, and the deductible you are willing to pay in the event of a claim.  You can complete this health insurance request and our associate will contact you personally to discuss your situation and needs, and provide a no-obligation quote for you to review.

Medical Evacuation from Mexico

If you are resident in Mexico and continue to have health coverage in your home country then you might consider a medical evacuation plan to enable you to get home for treatment and to convalesce close to your own doctors and family in the event that you experience a serious accident or health event (e.g. heart attack) while you are here.  Note that medical evacuation insurance coverages only cover evacuation costs in serious cases and so you’ll need to get routine or non-critical health matters attended to in Mexico.

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

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

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

‌best mexico travel insurance for seniors: nationwide, ‌best mexico travel insurance for cancel for any reason (cfar): battleface, best mexico travel insurance for adventure tours: travelex, best mexico travel insurance for covid-19: tin leg, is travel insurance for mexico worth it, mexico travel insurance costs, types of mexico travel insurance, what to look for in a travel insurance policy for mexico, how to get travel insurance for mexico, final thoughts.

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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.

Cancun Mexico

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.

Aeromexico Boeing 787 Dreamliner at New York JFK

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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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.  

Discover our Travel Insurance for CARIBBEAN ISLAND Travel Insurance Colombia  | Travel Insurance Jamaica | Travel Insurance Costa Rica | Travel Insurance Belize |

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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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

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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

Available Topic Experts for Media:

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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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.

health insurance for travel to Mexico

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 .

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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.

travel health insurance Mexico

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.

Heymondo, health insurance for travel to Mexico

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.

WorldNomads, travel health insurance for Mexico

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.

IMG, best travel health insurance for Mexico

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.

World Trips, travel medical insurance for Mexico

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, cheap Mexico travel insurance

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.

Travelex, health insurance Mexico travel

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  

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travel health insurance for mexico

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

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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.

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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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Travel Insurance for Mexico: 3 Best Companies in 2024

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Wondering about Mexico travel insurance?

You’ve landed on the right article — as I live in Mexico , and have since 2018! I’m here to help you navigate the tricky travel insurance for Mexico waters, and by the end of this article, you’ll be a Mexico travel insurance pro.

🤔 What is the best travel insurance for Mexico?

Determining the best Mexico travel insurance policies is a question I get a lot as a Mexico travel writer and Mexico expat.

While there are countless companies, this article covers three companies to purchase travel insurance from. These three will work for the vast majority of travelers and Mexico digital nomads, so I’ve kept it simple.

  • Travel Insurance Master — Best site to compare Mexico travel insurance plans so you get the best deal.
  • SafetyWing — Best insurance for digital nomads in Mexico and long-term travelers.
  • World Nomads — Best insurance for general travelers. ( Note: Head to Travel Insurance Master to get a quote from World Nomads and other companies to make sure you get the best rate.)

To determine which insurance is best for you , consider factors like the policy’s total cost, your deductible, the coverage you need, your medical benefits, etc. Don’t worry — we’ll cover all that (and more) in this article.

After you figure out which plan is right for you , check out the Mexico Covid travel info and Mexico travel insurance FAQ at the end of the article.

Disclaimer: I am not an insurance expert, insurance broker or insurance salesperson. For specific questions about Mexico travel insurance policies, please speak to someone at the company you’re buying the plan from.

Best Travel Insurance for MEXICO

Top 3 best mexico travel insurance companies.

There are really only three companies I recommend when you want to buy Mexican travel insurance. They are all ideal for different reasons.

There are, however, hundreds of companies out there — but these three will work for pretty much any traveler, so I don’t see a reason to complicate things.

1. Travel Insurance Master

infographic from one of the best Travel Insurance for Mexico companies (Travel Insurance Master)

If you’re someone who likes to compare a wide variety of options, they have simplified and streamed the complex world of travel insurance down to just five questions before giving you a list of quotes.

2. SafetyWing Travel Insurance

infographic from one of the best Travel Insurance for Mexico companies (Travel Insurance Master)

Perfect for Mexico digital nomads and long-term travelers, with monthly travel policies starting at $42 USD per month . As a Mexico digital nomad myself, I use SafetyWing as my insurance provider.

3. World Nomads

Designed by travelers for travelers, with coverage for more than 150 activities as well as emergency medical, lost luggage, trip cancellation and more. Policies start at just $5 USD per day .

▶ Get your FREE World Nomads quote via Travel Insurance Master , along with quotes from numerous other companies all at once.

Now that you know my Top 3 picks for the best insurance for Mexico, let’s take a deeper dive into all your options below. I want you to have enough knowledge to pick the best Mexican travel insurance policy for you .

Best Mexico Travel Insurance Search Tool

Travel insurance master.

travel insurance for mexico

Travel Insurance Master is an online travel insurance aggregator, providing an easy solution for your followers.

The operative word here is easy! Travel Insurance Master has simplified and stream-lined the process down so much that they even had this feature in Forbes magazine about how revolutionary their search tool is.

Their smart algorithm recommends the best plan and value for your unique trip from 10 reputable providers, like Travelex, Berkshire Hathaway Travel Protection, IMG, GoReady, Trawick International and AIG.

The easy part is that you only answer 3-5 simple questions before you get your results in an easy-to-digest comparison table. ▶ Check it out here .

Travel Insurance Master also offers a wide range of benefits, like Cancel For Any Reason (CFAR) plans.

They also have one of the only Pandemic Plus Plans of any travel insurance company, for added peace of mind, protection and flexibility while you travel.

🚨 Get your FREE quote from Travel Insurance Master now!

🤔 What is a CFar claim?

infographic from one of the best Travel Insurance for Mexico companies (Travel Insurance Master)

As the world still isn’t “back to normal” just yet, some companies added CFAR coverage, which means Cancel For Any Reason. With Travel Insurance Master , you can easily see which companies have CFAR coverage.

🚨 disclaimer: Always read the Fine Print

When buying a travel insurance policy, take the time to read the fine print or call the company to make sure you’re OK with all aspects of the policy, including the CFAR claim and your deductible.

Best Travel Insurance for Mexico Digital Nomads

Safetywing: digital nomad insurance.

digital nomad travel insurance for mexico

SafetyWing is a favorite of long-term travelers and digital nomads who plan to stay a while. It is the company I personally use, as I think it’s the best health insurance for expats in Mexico and digital nomads.

With Mexico’s generous six month/180-day FMM tourist visa (found on your Immigration Form), SafetyWing is the perfect travel insurance provider if you’ll be in Mexico for a long period of time.

Looking into Mexico digital nomad life? Check out this guide to being a digital nomad in Mexico City .

SafetyWing insurance policies start at just $42 USD per month (less than $500 USD for annual travel insurance) — which is a no brainer . This deal is so good that I’m actually a customer of SafetyWing myself!

Basic policies cover travel emergencies, basic medical costs and medical expenses while you’re in Mexico, so you can visit with total peace of mind, for very little money.

🚨 Get your FREE SafetyWing quote now!

Best Travel Insurance for Mexico (General Travel Insurance)

World nomads: standard plan.

colorful street in San Miguel De Allende Mexico

When it comes to worldwide travel insurance, World Nomads is recommended by more travel companies (like Hostel World ) and travel bloggers (like Nomadic Matt) than any other.

They keep it simple with just two plans, the Explorer Plan and Standard Plan , though you can purchase custom coverage add-ons.

As the name states, the Standard Plan is the standard (minimum) coverage any Mexico traveler would want.

Depending on what you pay for, this plan includes a range of benefits, like medical assistance and overseas medical care, coverage for your belongings, pre-trip cancelation and a few adventure activities.

🚨 Get your FREE World Nomads quote via Travel Insurance Master now!

Best Travel Insurance for Mexico Cruises

cruise ship on a tropical beach | travel insurance for mexico

🛳 Need Mexico cruise insurance? As one of the world’s top destinations for cruises, millions head to Mexico by sea each year.

Post-Covid, Mexico travel insurance for cruise travelers is a no brainer! Get a FREE quote from Travel Insurance Master using the button below, to see all the dedicated cruise insurance plans.

Note: I used to recommend the Aardy search tool for cruise insurance, but have found that the Travel Insurance Master search tool is much easier to use.

Best Travel Health Insurance for Mexico

Safetywing: remote health plan.

medical travel insurance for mexico

SafetyWing offers two plans, Digital Nomad Insurance and the Remote Health Plan.

While their digital nomad insurance plan covers long-term travelers with all the travel insurance basics, the Remote Health Plan is actually a medical health insurance plan for travelers.

A fully-equipped health insurance made for remote workers and nomads who spend as much time abroad as they please. from the SafetyWing website

Plans start at about $210 USD per month, and include everything from hospital treatment, nurse care at home, ambulance rides, inpatient surgery, intensive care unit visits, and more.

This plan is only available by the month, so opt for SafetyWing Digital Nomad Insurance for a shorter term.

🚨 Get your FREE quote from SafetyWing now!

Best Travel Insurance for Mexico Adventure Travel

World nomads: explorer plan.

woman on a zipline | best things to do in cabo san lucas mexico

World Nomads Travel Insurance policies offer coverage for more than 150 activities. Their Explorer Plan has all the benefits of a Standard Plan and a few more, like emergency medical evacuation.

For those planning to do a lot of adventure activities like climbing the pyramids in Mexico , or traveling with expensive gear, this plan offers more extensive coverage.

🚗 Mexico car Insurance Add-on

The Explorer Plan is one of the only I’ve seen that offers a Mexico driving insurance add-on.

If you plan on renting a car in Mexico or driving to Mexico , you will need Mexico car insurance. Note: Your U.S. auto policy insurance, or home country policy, won’t be accepted in Mexico.

Best Mexico Travel Insurance for Ages 60+

older man and woman on swings on the beach

The Standard Plan with World Nomads — ie. the exact coverage any traveler would want — covers travelers up to 65-years-old (on most products).

With the Standard Plan, you’re covered for medical, travel plan changes, luggage loss, theft, emergencies and more.

Silver Nomads Plan: Ages 70+

For travelers aged 70 and older, World Nomads has the Silver Nomads Program .

With benefits including trip cancelation, trip interruption, medical expenses, baggage loss and other refundable trip expenses, you’ll travel Mexico with confidence and peace of mind.

Mexico Safety Tip: Register for the U.S. STEP Program

Though not a travel insurance Mexico tip per se, you should also register for the FREE STEP Program , provided by the U.S. Department of State. Besides your Mexico travel insurance plan, this is an important safety measure.

STEP, Smart Traveler Enrollment Program, offers US citizens assistance in the event of medical emergencies, natural disaster events, and more.

Simply enter your flight and date information and where you’re staying in Mexico, and you’ll be given a contact at the nearest U.S. Embassy, Consulate or Development Office.

In the event of an emergency, they will assist you with safely returning to the U.S.

U.S. Embassy in Mexico Locations

When traveling in a foreign country, you should make it a point to know where the nearest embassy or consulate for your country is located. There is only on U.S. Embassy in Mexico City , but there are these consulates in other cities:

1. Mexico City U.S. Embassy

📲 Phone: +52-1-55-5080-2000 📍 Address: Paseo de la Reforma #305, Colonia Cuauhtémoc, Mexico City CDMX, Mexico 06500

2. Merida U.S. Consulate

📲 Phone: +52-1-999-942-5700 📍 Address: Calle 60 #338, Colonia Alcala Martin, Merida , Yucatan, Mexico 97050

3. Guadalajara U.S. Consulate

📲 Phone: +52-1-338 526 1444 📍 Address: Calle Progreso 175, Colonia Americana, Guadalajara , Jalisco, Mexico 44100

4. Tijuana U.S. Consulate

📲 Phone: +52-1-664-977-2000 📍 Address: Paseo de las Culturas s/n, Mesa de Otay, Delegación Centenario C.P., Tijuana, Baja California , Mexico 22425

5. Monterrey U.S. Consulate

📲 Phone: +52-1-662-289-3500 📍 Address: Avenida Alfonso Reyes #150, Colonia Valle del Poniente, Santa Catarina, Monterrey , Nuevo Leon, Mexico 66196

6. Ciudad Juarez U.S. Consulate

📲 Phone: +52-1-656-227-3000 📍 Address: Paseo de la Victoria #3650, Fraccionamiento Partido Senecú, Ciudad Juarez, Chihuahua, Mexico C.P. 32543

7. Hermosillo U.S. Consulate

📲 Phone: +52-1-662-289-3500 📍 Address: Calle Monterey #141, Colonia Esqueda, Hermosillo, Sonora, Mexico C.P. 83000

8. Matamoros U.S. Consulate

📲 Phone: +52-1-868-208-2000 📍 Address: Calle Constitución #1, Colonia Jardín, Matamoros, Tamaulipas, Mexico 87330

9. Nogales U.S. Consulate

📲 Phone: +55-1-631-313-8150 📍 Address: Calle San José S/N, Fraccionamiento los Alamos, Nogales, Sonora, Mexico C.P. 84065

10. Nuevo Laredo U.S. Consulate

📲 Phone: +55-1-867-714-0512 📍 Address: Paseo Colon #1901, Colonia Madero, Nuevo Laredo, Tamaulipas, Mexico 88360

Do I need Mexico car insurance? 

woman getting the keys to her mexico rental car from a male attendant in a white shirt | renting a car in mexico

Yes — When driving in Mexico, you legally must have Mexico car insurance.

The minimum required coverage is Personal Liability Insurance, which you can get through your most car rental companies; though know some places charge much more than others.

Find Your Rental Car

When I rent a car in Mexico, I always use and also recommend Discover Cars . I have paid about $7-10 USD per day for full coverage insurance .

Given how little they charge, I always take their full coverage policy for peace of mind while I’m traveling in Mexico.

Can I get Mexico car insurance through my credit card?

Some U.S. credit cards offer free Collision Damage Waiver (CDW) car rental insurance coverage for their card-holders. However, many Mexican car rental agencies no longer honor it.

As CDW is less than the required Personal Liability Insurance you need to drive in Mexico, many national Mexico car rental companies no longer honor CDW. In years past, they used to, however, in recent years, most no longer will.

🇲🇽 Mexico Car Rental Guides

Headed to Cancun, Mexico, or any of these other top Mexico destinations soon? Then check out these guides to Mexico car rentals in all the most popular cities, so you understand the Mexico rental car process.

Can I buy Mexican auto insurance at the border?

No — You won’t find any companies selling auto insurance to travel to Mexico at land border crossings.

In fact, you need to show proof of Mexican insurance to enter Mexico, so you need car insurance to travel to Mexico before you drive across the border.

Planning to drive into Mexico? Get your FREE quote from Baja Bound — a trusted name in Mexican car insurance for Americans, with great rates and near-perfect reviews.

Is travel insurance legally required for Mexico travel?

No — You have no legal requirement to purchase general Mexico travel insurance to travel to Mexico, or even medical travel insurance .

When you arrive in Mexico, no one will ask you to show proof of insurance at any airport, land border or sea port.

🤔 Do Americans need travel insurance for Mexico? No!

For these reasons, the better question to ask yourself is: Should I buy travel insurance for Mexico? — and that answer is a resounding YES!

Just as you insure your home, car and possessions, so too can you insure your health, luggage and belongings while traveling to Mexico.

Should I buy Mexico travel insurance?

best travel insurance for cancun mexico HEADER IMAGE

If the Covid-19 pandemic taught us anything, it’s that life can change completely from one moment to the next. Even with pre-Covid travel, if there was one certainty, it’s that things rarely (if ever) go according to plan on a trip!

In fact, some travelers say travel insurance is more important now than ever, after Covid made it a must-have, rather than an optional purchase.

For the peace of mind it brings, many travelers buy Mexico travel insurance coverage, even though it’s not legally required.

🏝️ Do I need travel insurance for Mexico all inclusive resorts?

Mexico Overwater Bungalows

Visiting Marival Armony or any of the other best Mexico all inclusive resorts? You’ll be covered to an extent by the resort’s insurance, but you’re not 100% covered as a traveler.

Having your own private Mexico travel insurance means your own policy will kick in if you lose your Gucci sunglasses, get your iPhone stolen, or need medical attention from drinking too much at the open bar (it happens 🥂).

Without insurance, you’re not covered by the resort for personal items or emergencies like these where the resort will claim no fault.

5 Reasons to buy Mexico travel insurance

travel health insurance for mexico

I highly recommended Mexico travel insurance for reasons addressed in this article, Do I need travel insurance for Mexico?

If you don’t have time to read another article, here are five reasons you should buy Mexico trip travel insurance:

1️⃣ Covid travel insurance in Mexico

The world changed forever in early-2020 with the pandemic. Nowadays, all Mexico travel health insurance plans include Covid coverage right alongside emergency medical coverage for all travelers.

2️⃣ Travel medical insurance coverage in emergencies

No one plans for accidents, inclement weather, trip interruption, medical emergencies, baggage loss on an overseas trip, etc.

While travel souvenirs are great — large, unexpected medical bills aren’t among the souvenirs you’ll cherish forever.

3️⃣ Trip cancellation coverage for changes you make

Though you may have a solid travel plan in place when you book your trip to Mexico, if something comes up and you have to cancel, trip cancellation insurance will cover this.

4️⃣ Trip cancellation coverage for changes others make

Sometimes, travel plan changes come from your airline, cruise ship, or tour company. In cases like these, you’re covered by Mexico travel insurance too.

Let’s say you’re stranded in a city due to a flight cancelation — insurance covers your hotel room for the night, and more.

5️⃣ Loss or theft of your belongings and luggage

Enjoy peace of mind for everything from the airline losing your luggage, to dropping your phone in the pool, or a stolen laptop.

Theft protection is essential if you have expensive items like designer clothing and sunglasses, jewelry, your computer and camera gear with you.

Mexico Travel Insurance Frequently Asked Questions

infographic from one of the best Travel Insurance for Mexico companies (Travel Insurance Master)

Where can I compare Mexico travel insurance quotes?

Travel Insurance Master is ideal if you’re someone who likes to compare a wide variety of options. They have simplified and streamed the complex world of travel insurance down to just five questions before giving you a list of quotes.

How much is travel insurance to Mexico?

This depends on the company you buy it from, your age, length of the trip, how much coverage you want, etc. — but plan for $5-25 USD per day.

For basic and minimal coverage, you might spend about $5-10 USD per day.

If you need a more comprehensive plan with extra protection, it might be $10-15 USD per day.

If you’re insuring a lot of equipment, like a brand new laptop and expensive camera equipment, your policy might be about $15-25 USD per day.

The good news is you can get a FREE quote to see how much your plan will cost. Head to the places linked below to get a FREE quote from the top Mexico insurance companies.

  • World Nomads Insurance — For general travel insurance plans
  • SafetyWing Insurance — For Mexico digital nomads and long-term travelers
  • Travel Insurance Master — Want to compare plan prices? Use this Mexico travel insurance search tool.

💡 Mexico Travel Insurance Tip: As soon as you purchase a policy, share it with a trusted loved one or family member so they have a copy as well.

What isn’t covered by Mexico travel insurance policies?

As with nearly all insurance companies providing medical coverage nowadays, insurance for Mexico travel likely won’t cover pre-existing medical conditions. If you need medical treatment or have a medical emergency related to a pre-existing condition, know your coverage can be denied.

travel health insurance for mexico

Pre-existing conditions aside, you can customize policies to cover everything from climbing Mayan Ruins in Mexico , surfing in Sayulita , extreme sports in a National Park, and swimming with whale sharks in Isla Mujeres .

For example, different plans cover everything from Covid-19 medical coverage, dental and emergency care, delayed baggage, trip cancelation, medical evacuation coverage, physical damage to your belongings, and lost or stolen luggage.

You can also customize for long-term general medical insurance Mexico coverage for digital nomads.

The caveat with travel insurance policies is that you must read the fine print! You can also call the insurance company and ask about your specific questions and concerns.

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

For most travelers, no , it most likely won’t. However, different insurers and policies can always have clauses added in which will give you Mexico coverage, so you should call yours and verify with them directly.

Still wondering, Does American insurance work in Mexico? — or more importantly, Will my American insurance work in Mexico?

Before purchasing a Mexico international travel insurance policy, check with your United States health insurance company first to see if they offer some form of global health insurance coverage that would include Mexico.

What insurance do I need for Mexico?

The only Mexico insurance you actually need to have is Mexico car insurance. Travelers who aren’t going to drive in Mexico don’t even need this.

However, Mexican car insurance is the only Mexican insurance you do legally need to have — but only if you’re planning to drive in Mexico or drive to Mexico 🚙💨

When I rent a car in Mexico, I always use Discover Cars — and opt for the full coverage insurance through them.

It only costs me about $7 USD per day for complete peace of mind while traveling. Full coverage through Mexico car rental companies often costs much more.

Why is travel insurance to Mexico so expensive?

As with all insurance, it’s expensive because in the event you’d need to file a claim, you may collect 100X more money than you paid in.

Why is Mexico travel insurance so expensive? is actually a common question — though it always depends on who’s asking it because cheap and expensive are relative terms.

Among the best cheap Mexico travel insurance companies I have ever seen, SafetyWing has policies that start at just $42 USD for a whole month of coverage! With rates this good, I’m actually a customer myself.

If you factor insurance into the total trip cost, that could help with planning your realistic Mexico travel budget.

Is Mexico in the USA for travel insurance purposes?

The answer is that it’s usually classified as Mexico — separate from the U.S., Canada and Caribbean.

playa balandra beach | best beaches in mexico

While we share a land border, Mexico and the U.S. are considered two different regions for trip insurance purposes.

Though the Yucatan Peninsula in eastern Mexico sits on the Caribbean Sea, Mexico is also not usually considered the Caribbean for insurance purposes.

I hope this cleared up the What does Mexico come under for travel insurance? question. However, do note that different insurers set their own parameters, so you’ll always want to double check before purchasing.

Is Mexico open for travel right now?

can you drink the water in mexico

YES — In fact, it never closed; at least not to flights. The land borders closed to those driving to Mexico , however, they fully reopened on November 8, 2021.

This was great news for travelers who wanted to drive to Mexico. You can read more about Mexico driving insurance here .

With tourism such a crucial part of Mexico’s economy, Mexico never closed to air travelers.

While cruise travel was on hold for a bit, cruise port cities like Puerto Vallarta , Cozumel Island , Cabo San Lucas , Huatulco and Puerto Progreso began reopening their docks in late-2021.

🛳 Looking for Mexico cruise insurance? Get a FREE quote from Travel Insurance Master , which has dedicated Mexico travel insurance plans for cruise travelers.

Since you can travel to Mexico right now, let’s look at the travel insurance options you have from the companies offering the best travel medical insurance for Mexico.

You’ll also learn about some of the many reasons why you should get Mexico insurance coverage. For more information on the Mexico travel situation right now, head here . 

Is it safe to travel to Mexico right now? 

Many travelers want to know, How is the Covid situation in Mexico right now?

To disperse the most current information, the Mexican government uses a traffic light map , called Semáforo Epidemiológico , to inform the public about the Covid numbers in each Mexican state .

Mexico Traffic Light System for Covid-19

Is Travel Insurance Mandatory For Mexico

There are four different colored lights, sort of like a traffic light. The colors go from green (no restrictions), to yellow, then orange, then red (maximum restriction).

The map is updated every two weeks, so it’s a good idea to check it here before making your Mexico travel plans.

Do I Need Travel Insurance for Mexico

Do i need a negative covid test for mexico travel.

You don’t have to provide negative Covid-19 test results to enter Mexico. As of November 2021, U.S. citizens do not need to show proof of a negative Covid test when they return to the U.S

If you are coming from a country that does require a negative Covid test to re-enter, there are rapid testing centers all over the country, as well as in many Mexico airports.

How much does a Covid test cost in Mexico?

There is no set price, so it depends on where you’re traveling.

In popular tourist destination hubs like Cancun or Playa del Carmen , they tend to cost a bit more than in a remote area.

However, you’ll likely spend $25-35 USD ($500-750 Mexican pesos) for the rapid test; PCR tests cost more.

Do you need the Covid vaccine to go to Mexico?

No — No one will check to see if you’re vaccinated when you enter Mexico. (If you haven’t noticed by now, there are essentially no entry requirements for Mexico, aside from a valid passport.)

Is there a quarantine period in Mexico?

No — Travelers are not required to quarantine in Mexico for any amount of time.

🩺 Note: If you enter Mexico and have Covid-19 symptoms, contact the Mexican Sanidad Internacional health organization immediately, or visit a nearby medical facility for a Covid test.

Does Mexico require Covid insurance?

No — You are not legally required to show any type of Mexico travel insurance or health insurance plan when entering the country.

Does travel insurance cover Covid quarantine?

Some international insurance for travelers does provide this coverage. However, there’s no required quarantine period when traveling to Mexico for either vaccinated, unvaccinated and non-vaccinated travelers.

Final Thoughts: Best Travel Insurance for Mexico

travel health insurance for mexico

While on your Mexico vacation, you’ll want to be prepared with travel insurance coverage for the worst case scenario.

It’s the last thing anyone wants to think about — though it makes more sense to think about it before you actually need to. After all, you don’t need insurance… until you need insurance!

Since we can’t plan for every single thing that may arise, the best way to cover all bases is a Mexico travel health insurance policy.

With a good plan from a reputable insurer, like Travel Insurance Master , World Nomads or SafetyWing , you have the peace of mind to fully enjoy Mexico — even if (or when) something unforeseen arises.

Mexico Travel Planning Guide

YES — With basic coverage averaging just $5-10 USD per day, enjoy peace of mind with a plan from Travel Insurance Master , one of the biggest names in travel insurance. ( Read more )

Can you drink the water in Mexico?

No — You’ll want to buy this Water-To-Go Bottle , which filters your drinking water so you don’t get sick from drinking water in Mexico.

Also, it helps keep you hydrated while traveling Mexico. ( Read more )

Is it safe to rent a car in Mexico?

Yes — Renting a car in Mexico is one of the best ways to see the country! I always rent with Discover Cars , which checks international companies and local Mexican companies, so you get the best rates. ( Read more )

Will my phone work in Mexico?

Maybe — It depends on your company, so check with your provider. If you don’t have free Mexico service, buy a Telcel SIM Card . As Mexico’s largest carrier, Telcel has the best coverage of any Mexico SIM Cards. ( Read more )

What’s the best way to book my Mexico accommodations?

For Mexico hotels, Booking.com is the best site , but for hostels, use Hostel World . If you’re considering a Mexico Airbnb, don’t forget to check VRBO , which is often cheaper than Airbnb.

What do I pack for Mexico?

Head to the Ultimate Mexico Packing List + FREE Checklist Download to get all the info you need on packing for Mexico.

What’s the best site to buy Mexico flights?

For finding cheap Mexico flights, I recommend using Skyscanner .

Do I need a visa for Mexico?

Likely Not — U.S., Canadian and European Passport holders don’t need a visa for Mexico; but check here to see if you need a Mexico travel visa. Most travelers will get a 180-Day FMM Tourist Visa passport stamp a upon arrival.

Let's Travel To Mexico

The Best Travel Insurance for Mexico

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.

Travel Insurance 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!

COPPER CANYON - URIQUE

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

Digital Nomads

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

Chiapas Mexico

✅ 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….

Packing list for Mexico

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

Elderly on vacation

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!

Zipolite beach

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! ▼

TIM BANNER

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.

Travel INsurance

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.

Car rental

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!!

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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.

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Callejon de los Sapos - Puebla, Mexico

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.

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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.

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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.

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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:

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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 

To help you better understand what you might pay for your travel insurance policy for a vacation to Mexico, the Guides Home Team requested sample insurance quotes from a few of the largest providers. Use the tables below to compare policy choices and better understand what you might pay for coverage. 

Trip 1: 27-year-old traveler, $2,000 trip cost, 7-day trip length

Quotes listed were collected from each company’s respective website in September 2022.

Trip 2: 45-year-old traveler, $5,000 trip cost, 14-day trip length

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. 

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Travel Insurance Mexico: Advice for Visitors and Safety Tips

If you are dreaming of a getaway or vacation, Mexico remains a very popular destination thanks to its rich culture, friendly people, and breathtaking natural scenery. However, travelers should be aware of safety concerns facing visitors in the country. You may ask, is Mexico travel insurance necessary? Due to the different safety issues and illnesses that can arise, we recommend purchasing insurance when traveling to Mexico.

Travel Insurance in Mexico for Visitors

In order to avoid a potentially large doctor’s bill, visitors to Mexico are wise to obtain some form of travel health insurance that is accepted by providers in the country.

For residents of the United States and certain other countries, some private insurance carriers extend their domestic coverage to treatment abroad. Such coverage typically has strict limits, however; it generally will not cover long visits, and travelers may be dramatically limited in the clinics or hospitals that they can visit in Mexico. Moreover, a patient is typically required to pay upfront for services and wait for reimbursement from their domestic insurance provider.

Because of the limitations of such coverage, it is often beneficial to purchase Mexican travel insurance that provides emergency medical coverage during your stay. The particular type of travel insurance that is best depends on the expected length of your visit. Short-term visitors should look into travel insurance plans, while those planning on residing in Mexico for an extended period should consider an international health insurance plan. Mexican trip cancellation plans for tourists cover the cost of your Mexican holiday, including flights and hotel expenses.

Mexican Travel Insurance Plans

Before arriving, we’ve compiled a comprehensive guide on all things you should know and consider when it comes to safety guidelines and travel medical insurance for short-term stays in Mexico. Purchasing a Mexico travel insurance plan to cover your stay in Mexico will relieve unnecessary hassles.

Knowing what to look for in a travel insurance plan is important as well. Ensuring that the insurance company has the proper infrastructure in place to serve travelers is critical. One key component of this is a toll-free number that provides assistance in your home language 24 hours a day. Providing assistance in locating a doctor who speaks English or another language is another point to look into. If you are concerned about covering the cost of your trip if you have to cancel, consider one of the trip cancellation plans listed below.

Mexican Travel Health Insurance Plans

The Atlas Travel Insurance Plan is available to most nationalities (excluding Canadian and Australian citizens) and provides excellent benefits at an affordable price.  The Atlas plan provides travelers to Mexico with the following benefits and coverage: Flexible deductible options, hospitalization and outpatient coverage, personal liability, prescription medication, evacuation and repatriation, and mountaineering (up to 4,500 meters!), and trip interruption benefits up to $10,000. Covid-19 is covered as well.

WorldTrips Atlas travel insurance

  • Emergency medical, evacuation, repatriation benefits
  • Choose between the basic and more extensive coverage
  • Meets Schengen visa insurance requirements
  • 24/7 worldwide travel and emergency medical assistance

Travel Insurance for Canadians and Australians Visiting Mexico

Canadians and Australians traveling to Mexico are not eligible for the Atlas plan listed above. A great alternative is the Seven Corners Travel Insurance plan.

Seven Corners Insurance

Seven Corners Travel Medical Insurance

  • Comprehensive medical coverage with benefits up to $5,000,000.
  • Adventure activities coverage available.
  • Emergency Medical Evacuation protection up to $500,000.

Travel Insurance for US Citizens Visiting Mexico

Mexico is the number one destination for travelers from the USA. It is affordable, close, warm, and has great beaches. There are also risks that come with traveling to Mexico. US citizens need comprehensive travel insurance to cover any surprises while visiting. Here we recommend two travel insurance plans for US citizens visiting Mexico.

Trip Cancellation for US Citizens Traveling to Mexico

Seven corners trip protection insurance.

  • Comprehensive trip protection for U.S. residents traveling abroad.
  • Optional rental car collision coverage available.
  • Optional Cancel for Any Reason coverage available (if eligible).

Travel Insurance for Visitors from the USA to Mexico

BCBS Travel Insurance

GeoBlue Voyager Plan

  • For U.S. citizens up to age 95
  • Includes pregnancy coverage, baggage loss, trip interruption & more
  • 24/7/365 service and assistance
  Read: Health Insurance in Mexico for US Citizens and Foreigners

Safety Concerns Facing Travel to Mexico

International news stations often cover stories on the tolls of the drug war in Mexico, and concerns about this potential safety issue often give would-be visitors pause. However, keep in mind that the violence related to the drug war is typically contained to those involved in Mexico’s drug trade and Mexico’s security forces; visitors to the country are rarely targeted. Paying attention to emerging news stories, traveling to Mexico during the day, and sticking to major highways can help mitigate the risk of falling victim to drug-related violence.

Pickpockets and bag snatchers are more common threats to visitors. Crowded buses and trains, bus stops and terminals, airports, local markets, and crowded streets and plazas in large cities are common locations for pickpockets to find their targets. These thieves generally work in teams to distract would-be victims. Staying alert to your surroundings, minimizing the cash and valuables you keep on your person, and avoiding having any expensive gadgets in plain view can lessen your risk of pickpocketing.

For the most up-to-date information about specific threats in particular regions, consulting the warnings issued by the  U.S. State Department or U.K. Foreign Office can provide more detailed guidance for those about to leave for Mexico and those already in the country.

Vaccinations Required for Travel to Mexico

Mexico does not require that those entering the country show proof of vaccinations; however, certain vaccines are well-advised for all visitors due to common health concerns in the region, while those traveling to particular areas might need additional vaccinations.

Hepatitis A: Vaccination against hepatitis A is recommended for most travelers to Mexico as this disease can be transmitted via contaminated water or food throughout the country, whether you are planning to stay in a rural village or a luxury resort.

Typhoid: Like hepatitis A, typhoid can be contracted via contaminated water or food throughout the country. Vaccination is recommended for most travelers, particularly those who are planning to stay in a local’s home, those who are visiting Mexico’s rural areas and smaller cities, and those who enjoy sampling local, adventurous dishes.

Hepatitis B : Transmission of hepatitis B is possible via contaminated needles, sexual contact, and exposure to bodily fluids (such as blood). Vaccination is recommended for those travelers who are planning on getting a new tattoo or piercing or having a new sexual partner while in the country, as well as those who might have a medical procedure while in the country.

Malaria: Avoiding mosquito bites is the best way to prevent malaria. If you’re planning on spending significant time outdoors–and particularly if you plan to camp outdoors–you may need to take prescription medication before and during your trip in order to prevent malaria.

Rabies: Bats, dogs, and other mammals throughout Mexico do carry rabies, but the risk is small for most travelers. However, those who are planning on spending significant amounts of time outdoors (such as hiking), those who are planning a long stay in a remote area, and those who will be working around animals are recommended to have their rabies vaccination up-to-date.

Related: Medical Insurance in Mexico for Expats

Water and Food Safety in Mexico

Mexico’s water supply is known to cause issues with tourists. It is important that you exercise every possible caution when using tap water. Brush your teeth using sealed bottled water, and inquire about the water and ice served in restaurants and bars. Be sure it is from a safe source. Also, you may not think of this but some juices or mixers in drinks are made with water, you should probably stay away from them. It is safe to drink things that come out of a can or bottle, taps are best to stay away from.

In terms of food, take the same precautions that you would with any food. Make sure the meat is not undercooked and that you eat in popular places as they will not have food that is laying around too much. Eating salads and raw vegetables can be risky, however. Both of these need to be washed and you can assume they will be washed in Mexico’s water supply. Be careful.

Travel to Mexico with Medication and Visiting Pharmacies

The airport TSA usually requires that you carry your prescriptions in their original bottle and have a note from your doctor or a copy of the prescription. You are only allowed to bring enough medication that you need for the length of your stay.

It is suggested that you bring an antidiarrheal medicine with you in case you run into an issue. If you forgot it or could not get it in time, visit a local pharmacy to buy an over-the-counter version.

Finding Emergency Assistance in Mexico

The primary number for all types of emergencies in Mexico is 911; calling this number will connect you with emergency assistance from the police, fire department, or doctors as needed.

In certain emergency situations, your home country’s embassy or consulate can provide invaluable assistance. Over 80 countries maintain embassies in Mexico City; here are links to the contact information for some of the largest:

  • United States Embassy and Consulates in Mexico
  • Canadian Embassy in Mexico
  • British Embassy for Mexico
  • Australian Embassy in Mexico

Resources for Travel to Mexico:

  • Tropical Medical Bureau – Vaccination Advice
  • CDC: Health Information for Travelers to Mexico
  • Hospitals in Mexico
  • Travel Insurance for Visitors to the USA
  • Canada Travel Insurance for Tourists
Author: Joe Cronin , Founder and President of International Citizens Insurance . Mr. Cronin, a former expat, is an authority in the areas of international travel, and global health, life, and travel insurance, with expertise in advising individuals and groups on benefits for today's global workforce. Follow him on LinkedIn or Twitter .

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Safe your trip: travel health insurance mexico.

Traveling to Mexico? Ensure your peace of mind with travel health insurance . Protect yourself with comprehensive coverage for medical emergencies and unexpected expenses. Explore the various travel insurance options available for Mexico and choose the best plan that suits your needs and budget. Whether you need international travel insurance , medical coverage abroad , or emergency medical protection , there are travel insurance plans that offer the benefits you require.

When planning your trip to Mexico, it is important to consider travel health insurance to protect yourself from unexpected expenses and medical emergencies. There are various travel insurance options available, offering comprehensive coverage and peace of mind during your trip. Compare different plans, consider your specific needs, and choose the best travel insurance for Mexico that fits your budget. With affordable travel medical insurance, you can enjoy your time in Mexico knowing that you are protected.

Why Do You Need Travel Health Insurance for Mexico?

While it is not a mandatory requirement for U.S. citizens to have travel insurance when traveling to Mexico, it is highly recommended. Mexico is still considered a developing country, and having travel health insurance provides financial protection in case of medical emergencies or unforeseen expenses.

Traveling to a foreign country means that your regular health insurance may have limited coverage or no coverage at all outside of the United States. This can leave you vulnerable to high medical bills and unexpected costs. By having travel health insurance specifically designed for international travel, you can ensure that you are protected and have access to emergency medical protection and the necessary medical coverage abroad .

Travel health insurance for Mexico offers various benefits, including coverage for hospital fees, treatments, prescription medications, and emergency medical evacuation. Imagine experiencing a sudden illness or injury during your trip and having to pay exorbitant medical expenses out of pocket. Travel insurance provides the peace of mind and reassurance that you will be taken care of without experiencing financial hardship or stress.

“Travel health insurance for Mexico provides financial protection in case of medical emergencies or unforeseen expenses.”

Moreover, travel health insurance offers additional benefits beyond medical coverage. Some travel insurance plans also provide protection for lost or damaged belongings, trip cancellation coverage , and rental car collision coverage. By choosing a comprehensive travel insurance plan, you can safeguard yourself against a wide range of potential issues that may occur during your trip.

When planning your trip to Mexico, don’t overlook the importance of travel health insurance. It is an essential investment that ensures your well-being and provides the necessary support in times of need. Peace of mind during your trip is priceless, and travel insurance offers just that.

Take a step towards a worry-free journey and explore the various travel insurance benefits for Mexico. Protect yourself from unexpected expenses and prepare for any unforeseen circumstances that may arise during your trip. Remember, having the right travel health insurance is about prioritizing your safety and enjoying your travel experience to the fullest.

Types of Travel Insurance Coverage for Mexico

When it comes to traveling to Mexico, it’s essential to have the right travel insurance coverage to ensure your peace of mind. There are various options available that cater to different needs and provide comprehensive health coverage .

Comprehensive Health Coverage: These travel insurance plans offer extensive coverage for emergency medical expenses . Whether you need ambulance services, hospital fees, treatments, or prescriptions, comprehensive health coverage has you covered. This type of insurance ensures that you are protected in the event of unforeseen medical emergencies during your trip to Mexico.

Emergency Medical Evacuation and Repatriation: Some travel insurance plans also include coverage for emergency medical evacuation and repatriation. This means that if you require transportation to a different medical facility or need to be transported back to your home country for further treatment, this coverage will take care of the expenses.

It’s crucial to carefully review the different Mexico travel insurance options available and choose a plan that suits your specific needs. Consider factors such as your health condition, the activities you plan on participating in, and the duration of your trip. Selecting the right travel insurance plan ensures that you have the necessary coverage for any unexpected situations that may arise during your time in Mexico.

Mexico travel insurance options

Having comprehensive health coverage and choosing the right travel insurance plan can provide you with peace of mind during your trip to Mexico. Take the time to explore the available options and select the plan that offers the coverage you need. With the right travel insurance, you can enjoy your time in Mexico knowing that you are protected and prepared.

Cancel for Any Reason (CFAR) Insurance Upgrade

Cancel for Any Reason (CFAR) insurance is an optional upgrade that can provide you with added flexibility and peace of mind when planning your trip to Mexico. With CFAR coverage, you have the freedom to cancel your trip and receive reimbursement for any reason, even if it is not covered by your standard travel insurance policy.

This additional coverage can be especially beneficial if you have concerns about the current COVID-19 situation in Mexico or if unexpected circumstances arise that require you to cancel your trip. With CFAR insurance, you don’t have to worry about losing your prepaid travel expenses.

It’s important to note that CFAR coverage is not available as a stand-alone insurance option. Instead, it is typically added as an upgrade to your existing travel insurance policy. By adding CFAR coverage, you can enhance your travel insurance plan and have the flexibility to cancel your trip for any reason that is not otherwise covered by your standard policy.

Whether it’s a change of plans, personal circumstances, or unforeseen events, CFAR insurance provides you with the freedom to cancel your trip and receive reimbursement. It’s a valuable upgrade that offers additional protection and flexibility, ensuring that you can travel with confidence.

^cancel for any reason insurance: Enhance your travel insurance plan with the CFAR insurance upgrade.

Protecting Your Belongings with Travel Insurance

Travel insurance offers more than just coverage for medical emergencies. It also provides valuable protection for your personal belongings, ensuring that you can enjoy your trip to Mexico without the worry of loss or damage. Whether you’re traveling with expensive equipment like sports gear, cameras, laptops, or specialized medical devices, travel insurance can provide coverage for the **protection of your expensive equipment**. In the unfortunate event of loss or damage, you can rely on your travel insurance to help cover the costs.

Additionally, some travel insurance plans offer **rental car collision coverage**, which comes in handy if you plan to explore Mexico by renting a car. This coverage protects you from unexpected costs in case of an accident, helping you avoid the financial burden of repairing or replacing a rental car. With rental car collision coverage, you can navigate the roads of Mexico with peace of mind.

Before purchasing additional travel insurance, it’s important to review your existing insurance policies to see if you are already covered for personal belongings or rental cars. Understanding the coverage you already have can help you avoid duplicate protection and make informed decisions about the level of coverage you need.

travel insurance benefits

When it comes to safeguarding your valuable belongings and ensuring a worry-free trip, travel insurance benefits provide you with the peace of mind you deserve. By choosing a comprehensive travel insurance plan that includes protection for expensive equipment and rental car collision coverage, you can focus on exploring the beauty of Mexico without the fear of financial loss or unexpected expenses.

Understanding Medical Coverage in Mexico

When it comes to travel insurance for Mexico, medical coverage is a crucial aspect to consider. This coverage ensures that you are financially protected in case of any medical emergencies that may arise during your trip. Whether it’s hospital fees, dental emergencies, X-rays, lab tests, or even anesthesia, having the right travel health insurance in place can provide you with peace of mind.

Many travel insurance options available for Mexico include coverage for emergency medical expenses . This means that if you require medical attention while in Mexico, your insurance will cover the necessary costs. From routine medical treatments to more serious procedures, having travel health insurance can help ease the financial burden and ensure you receive the care you need.

Additionally, some travel insurance plans also offer coverage for emergency medical evacuation. This coverage is particularly important in cases where you require transportation to an appropriate medical facility or back to the United States. In the event of a medical emergency, having the cost of emergency medical evacuation covered can provide you with the necessary assistance and resources.

It is important to have a clear understanding of what your travel insurance covers and any limitations or exclusions that may apply. While comprehensive medical coverage is available, it’s essential to note that most travel health insurance plans do not cover medical tourism and may have limitations on coverage for preexisting conditions.

Trip Cancellation Insurance for Mexico

When planning your trip to Mexico, it’s crucial to consider trip cancellation insurance as an essential form of protection. This type of insurance provides reimbursement for prepaid, nonrefundable travel expenses in the event that you need to cancel your trip before departure due to unforeseen circumstances.

With trip cancellation coverage , you’ll have peace of mind knowing that you won’t be financially burdened by unexpected changes to your travel plans. Whether it’s the unfortunate death of a family member or traveling companion, emergency surgery, or dangerous weather conditions, trip cancellation insurance can help you recoup your expenses and avoid significant financial losses.

It’s important to note that trip interruption insurance is also available for situations where you need to cut your trip short due to a covered reason. This coverage can be invaluable in covering additional expenses incurred due to an unexpected early return.

The cost of travel insurance for Mexico varies based on several factors, including the age of the travelers, destination, and total trip price. However, the peace of mind it offers is priceless, making it a wise investment for any traveler.

Don’t let unforeseen circumstances ruin your travel plans or lead to financial strain. Protect your investment with trip cancellation insurance and enjoy your trip to Mexico worry-free.

When planning your trip to Mexico, it is crucial to prioritize travel health insurance to safeguard yourself against unexpected expenses and medical emergencies. Thankfully, there are numerous travel insurance options available that offer comprehensive coverage, ensuring peace of mind throughout your journey. Take the time to compare different plans, carefully considering your specific needs and budget, in order to choose the best travel insurance for Mexico .

By opting for affordable travel medical insurance, you can fully enjoy your time in Mexico, knowing that you have adequate protection. Don’t leave your travel safety to chance – invest in travel health insurance to ensure a worry-free trip. Whether it’s the best travel insurance for Mexico or affordable travel medical insurance, the right coverage will offer you financial security and peace of mind while exploring this beautiful country. Plan ahead, protect yourself, and embark on your Mexican adventure with confidence.

Do I need travel health insurance for my trip to Mexico?

What types of travel insurance coverage are available for mexico, what is cancel for any reason (cfar) insurance, does travel insurance cover the loss or damage of personal belongings, what does travel insurance cover for medical expenses in mexico, what is trip cancellation insurance and trip interruption insurance, how much does travel health insurance for mexico cost, how do i choose the best travel insurance for mexico, source links.

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  • https://www.marketwatch.com/guides/insurance-services/travel-insurance-mexico/
  • https://www.americanvisitorinsurance.com/travel-insurance/usa/travel-to-mexico.asp

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Mexico Trip Peace of Mind: Best Travel Insurance

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Top Travel Insurances for Mexico You Should Know in 2024

Byron Mühlberg, writer at Monito.com

Byron Mühlberg

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

Links on this page, including products and brands featured on ‘Sponsored’ content, may earn us an affiliate commission. This does not affect the opinions and recommendations of our editors.

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.

Get a quote 🡪

  • 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.

Get a quote 🡪

  • 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)!

Get a quote 🡪

  • 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

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Looking for Travel Insurance to Another Country?

See our recommendations for travel insurance to other countries worldwide:

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travel health insurance for mexico

Best International Travel Insurance for April 2024

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The offers and details on this page may have updated or changed since the time of publication. See our article on Business Insider for current information.

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If you're planning your next vacation or trip out of the country, be sure to factor in travel insurance. Unexpected medical emergencies when traveling can drain your bank account, especially when you're traveling internationally. The best travel insurance companies for international travel can step in to provide you with peace of mind and financial protection while you're abroad.

Our top picks for the best international travel insurance

  • Best overall: Allianz Travel Insurance
  • Best for exotic travel: World Nomads Travel Insurance
  • Best for trip interruption coverage: C&F Travel Insured
  • Best for families: Travelex Travel Insurance
  • Best for long-term travel: Seven Corners Travel Insurance

How we rate the best international travel insurance »

Best overall: Allianz

Allianz Travel Insurance  offers the ultimate customizable coverage for international trips, whether you're a frequent jetsetter or an occasional traveler. You can choose from an a la carte of single or multi-trip plans, as well as add-ons, including rental car damage, cancel for any reason (CFAR) , adventure sport, and business travel coverage. And with affordable pricing compared to competitors, Allianz is a budget-friendly choice for your international travel insurance needs. 

The icing on the cake is Allyz TraveSmart, Allainz's highly-rated mobile app, which has an average rating of 4.4 out of five stars on the Google Play store across over 2,600 reviews and 4.8 out of five stars from over 22,000 reviews on the Apple app store. So, you can rest easy knowing that you can access your policy and file claims anywhere in the world without a hassle.

Read our Allianz travel insurance review here.

Best for exotic trips: World Nomads

World Nomads Travel Insurance  offers coverage for over 150 specific activities, so you can focus on the adventure without worrying about gaps in your coverage. 

You can select its budget-friendly standard plan, starting at $79. Or if you're an adrenaline junkie seeking more thrills, you can opt for the World Nomads' Explorer plan for $120, which includes extra sports like skydiving, scuba diving, and heli-skiing. And World Nomads offers 24/7 assistance, so you can confidently travel abroad, knowing that help is just a phone call away. 

Read our World Nomads travel insurance review here.

Best for trip interruption: C&F Travel Insured

C&F Travel Insured offers 100% coverage for trip cancellation, up to 150% for trip interruption, and reimbursement for up to 75% of your non-refundable travel costs with select plans. This means you don't have to worry about losing your hard-earned money on non-refundable travel costs if your trip ends prematurely. 

Travel Insured also stands out for its extensive "reasons for cancellation" coverage. Unlike many insurers, the company covers hurricane warnings from the National Oceanic and Atmospheric Administration (NOAA).

Read our Travel Insured review here.

Best for family coverage: Travelex

Travelex Travel Insurance offers coverage for your whole crew, perfect for when you're planning a family trip. Its family plan insures all your children 17 and under at no additional cost. The travel insurance provider also offers add-ons like adventure sports and car rental collision coverage to protect your family under any circumstance. Got pets? With Travelex's Travel Select plan, you can also get coverage for your furry friend's emergency medical and transportation expenses. 

Read our Travelex insurance review here.

Best for long trips: Seven Corners

Seven Corners Travel Insurance offers specialized coverage that the standard short-term travel insurance policy won't provide, which is helpful if you're embarking on a long-term trip. You can choose from several plans, including the Annual Multi-Trip plan, which provides medical coverage for multiple international trips for up to 364 days. This policy also offers COVID-19 medical and evacuation coverage up to $1 million. 

You also get the added benefit of incidental expense coverage. This policy will cover remote health-related services and information, treatment of injury or illness, and live consultations via telecommunication. 

Read our Seven Corners travel insurance review here.

How to find the right international travel insurance company 

Different travelers and trips require different types of insurance coverage. So, consider these tips if you're in the market to insure your trip. 

Determine your needs 

  • Consider the nature of your travel (leisure, business, or adventure) and the associated risks (medical emergencies, trip cancellations, etc.).
  • Determine your budget and the amount of coverage you require. 
  • Consider the duration of your trip and the countries you'll be visiting, as some policies won't cover specific destinations. 

Research the reputation of the company 

  • Look for the company's reviews and ratings from reputable sources like consumer advocacy groups and independent website reviews. 
  • Check the provider's financial stability and credit ratings to ensure it can pay out claims reliably. 
  • Investigate the company's claims process to ensure it can provide timely support if you need to file a claim.

Compare prices

  • Get quotes from multiple providers to compare rates and coverage options.
  • See if the company provides discounts or special offers to lower your cost. 
  • Look at the deductible or any out-of-pocket expenses you may have to pay if you file a claim to determine if you can afford it. 

Understanding international travel insurance coverage options 

Travel insurance can be confusing, but we're here to simplify it for you. We'll break down the industry's jargon to help you understand what travel insurance covers to help you decide what your policy needs. Bear in mind that exclusions and limitations for your age and destination may apply. 

Finding the best price for international travel insurance

Your policy cost will depend on several factors, such as the length of your trip, destination, coverage limits, and age. Typically, a comprehensive policy includes travel cancellation coverage costs between 5% and 10% of your total trip cost.

If you're planning an international trip that costs $4,500, you can expect to pay anywhere from $225 to $450 for your policy. Comparing quotes from multiple providers can help you find a budget-friendly travel insurance policy that meets your needs.

How we reviewed international travel insurance companies

We ranked and assigned superlatives to the best travel insurance companies based on our insurance rating methodology . It focuses on several key factors, including: 

  • Policy types: We analyzed company offerings such as coverage levels, exclusions, and policy upgrades, taking note of providers that offer a range of travel-related issues beyond the standard coverages. 
  • Affordability: We recognize that cheap premiums don't necessarily equate to sufficient coverage. So, we seek providers that offer competitive rates with comprehensive policies and quality customer service. We also call out any discounts or special offers available. 
  • Flexibility: Travel insurance isn't one-size-fits-all. We highlight providers that offer a wide array of coverage options, including single-trip, multi-trip, and long-term policies.
  • Claims handling: The claims process should be pain-free for policyholders. We seek providers that offer a streamlined process via online claims filing and a track record of handling claims fairly and efficiently. 
  • Quality customer service: Good customer service is as important as affordability and flexibility. We highlight companies that offer 24/7 assistance and have a strong record of customer service responsiveness. 

We consult user feedback and reviews to determine how each company fares in each category. We also check the provider's financial rating and volume of complaints via third-party rating agencies. 

Which company has the best international travel insurance?

The best insurance policy depends on your individual situation, including your destination and budget. However, popular options include Allianz Travel Insurance, World Nomads, and Travel Guard. 

Is international health insurance the same as travel insurance?

International health insurance and travel insurance serve different purposes. While both may cover medical expenses, international health insurance provides long-term health insurance for working abroad. Meanwhile, travel insurance offers short-term coverage for the duration of your trip. 

What insurance do you need for international travel?

Typically, your regular health insurance won't cover you out of the country, so you'll want to make sure your travel insurance has adequate medical emergency coverage. Depending on your travel plans, you may want to purchase add-ons, such as adventure sports coverage, if you're planning on doing anything adventurous like bungee jumping.

Should you get travel insurance for international travel?

Travel insurance is worth the price for international travel because they're generally more expensive, so you have more to lose. Additionally, your regular health insurance won't cover you in other countries, so without travel insurance, you'll end up paying out of pocket for any emergency medical care you receive out of the US.

If you enjoyed this story, be sure to follow Business Insider on Microsoft Start.

This article may contain affiliate links that Microsoft and/or the publisher may receive a commission from if you buy a product or service through those links.

Best International Travel Insurance for April 2024

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Employment Liability Insurance Is a Right in Mexico

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Social Security in Mexico is a fundamental right. It ensures access to health care, medical assistance, protection of livelihoods and necessary social services for individual well-being.

Social Security consists of two regimes: mandatory and voluntary. The mandatory regime is compulsory and applies to those in formal employment—as well as various public sectors—and their families. This regime, outlined in the Social Security Law, encompasses five types of insurance, namely:

  • Labor risks.
  • Illness and maternity.
  • Disability and life.
  • Retirement, old-age severance and elderly benefits.
  • Nurseries and other social benefits.

Labor risk insurance is fully covered by employers. It provides financial and in-kind benefits for incapacity or death of a worker due to labor risks, which are divided into two categories:

  • Work accidents include any bodily injury or functional impairment—whether immediate or subsequent—or death occurring suddenly during or because of work. This applies regardless of the location or time of the accident, including during travel between home and the workplace.
  • Professional or occupational diseases encompass any pathological condition resulting from continued exposure to a cause originating or motivated by work, or the environment in which the worker is obliged to provide services, as well as work-related diseases outlined in the Federal Labor Law.

When employers first obtain their Employer Registration with the Mexican Social Security Institute, they must determine the premium that they will pay for labor risk insurance. To do so, they must identify their principal business activity in the catalog provided by the Social Security regulations and determine the applicable class of premium to be paid for their insurance contributions.

As a general rule, once the premium for a full calendar year has been quoted, employers must annually submit their accident rate statement no later than the last day of February of the following year to determine the premium for their insurance contributions for the next year.

Takeaway for Employers

Labor risk insurance is a vital component of Mexico’s Social Security system and a crucial safeguard for workers and their families. By providing comprehensive coverage for work-related accidents and occupational diseases, this insurance ensures financial and in-kind benefits in times of need and promotes a culture of safety and well-being in the workplace.

Daniela Hidalgo Martínez and Santiago Villanueva Durán are attorneys with Basham, an Ius Laboris member firm, in Mexico City. © 2024 Basham. All rights reserved. Reposted with permission of Lexology .

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  1. The Best Travel Insurance For Mexico In 2023

    travel health insurance for mexico

  2. Get the Best Travel Insurance for Mexico

    travel health insurance for mexico

  3. Mexico Travel Insurance: Is It Worth It

    travel health insurance for mexico

  4. Travel Insurance for Mexico: 3 Best Companies in 2023

    travel health insurance for mexico

  5. Qué es un seguro de viaje y porque lo necesitas

    travel health insurance for mexico

  6. Travel Health Insurance Mexico : A Must-Have for Safety

    travel health insurance for mexico

VIDEO

  1. Travel Safety Tip. Travel Health Insurance. South America Travel Tip 9

  2. Health Insurance In Mexico Dropping Soon #health #2024 ❤️🙏🏼 (subscribe) ✌🏼

  3. The price The price of a travel health insurance plan depends on three main factors

  4. Save up to €249 with the Expatrio Value Package✨

  5. International Health Insurance vs Travel Insurance Policy in USA by tech knowledge

  6. International Travel Health Insurance By GeoBlue Travel Health Insurance

COMMENTS

  1. Do I Need Travel Insurance for Mexico?

    Purchasing travel insurance for Mexico is no different than buying a policy for any other trip — you could even rely on certain credit cards for coverage.

  2. The Best Travel Insurance for Mexico in 2024

    Highlights: 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 ...

  3. Travel Insurance For A Mexico Vacation

    The average cost for travel insurance for an eight-day trip to Mexico is $157. This is based on an average trip cost of $2,837. This is based on an average trip cost of $2,837. Compare & Buy ...

  4. Mexico Travel Insurance

    Travel insurance is not currently required for all of Mexico. However, travel insurance with medical coverage is required for visitors to Puerto Vallarta and Riviera Nayarit. This insurance is to protect travelers against any unforeseen medical event, including those derived from COVID-19 contagion. We recommend purchasing supplemental ...

  5. Mexico Travel Insurance 2024: Best Plans & Costs

    Key points 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 ...

  6. Health and Medical Insurance Options for Mexico

    Foreign residents (temporary or permanent) can apply for the Mexican public healthcare insurance system known an IMSS on a voluntary basis which provides access to certain doctors, clinics and hospitals in Mexico. Some medications are also covered under this plan. Coverage costs depend on your age; restrictions and limitations apply and, like ...

  7. Mexico Travel Insurance (5 Best Sites to Search in 2024)

    Travel Insurance.com. 4.7. This fantastic search engine fetches quotes from hundreds of insurance companies in just one minute. The intuitive interface is perfect for comparing policies & quotes. Pros: Compares hundreds of insurers in one click. Easy to see customer reviews. Filters to search for CFAR & Covid-19.

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

    Best Mexico Travel Insurance for COVID-19: Tin Leg. 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.

  9. Mexico Travel Insurance

    Theft is one of our most common travel insurance claims by travelers in Mexico, which is why World Nomads travel insurance plans offer some protection for theft or lost luggage checked into a common carrier. Per item and total maximum benefits may apply. Certain items, such as antiques, cash, or misplaced belongings, may be excluded from coverage.

  10. Travel Insurance 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 ...

  11. Mexico Travel Insurance: Guide To Insuring Your Mexican Vacation

    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.

  12. 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.

  13. Find the Best Travel Insurance for Mexico from the USA

    Best medical coverage: VisitorsCoverage. 03. Best trip insurance: Insured Nomads. 04. Best mix for youth and digitial nomads: SafetyWing. 05. FAQ about travel insurance from the USA to Mexico. VisitorsCoverage gives you the best combination of value and coverage.

  14. Do I Need Travel Insurance for Mexico?

    Here are five of the main reasons you need travel insurance for Mexico. 1. Medical emergencies while traveling. While riding a jet ski in Cancún, you collide with a boat. The impact leaves you with broken ribs and a gash on your head. Your friends rush you to the nearest private hospital, where you're admitted for treatment.

  15. 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.

  16. Travel Insurance for Mexico: 3 Best Companies in 2024

    2. SafetyWing Travel Insurance. This is the company I use for my medical insurance for travel to Mexico. (Photo: SafetyWing, Travel health insurance Mexico) Perfect for Mexico digital nomads and long-term travelers, with monthly travel policies starting at $42 USD per month.

  17. The Best Travel Insurance For Mexico In 2023

    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.

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

    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 ...

  19. Travel Insurance for Mexico Vacations

    If you're planning to set sail on a cruise for your trip to Mexico, it's worth considering investing in travel insurance. If your cruise schedule changes, you get sick or injured on board, or miss a connecting flight, coverage can help to reimburse costs of non-refundable travel bookings, medical expenses, medical evacuation, lost personal belongings, and more.

  20. Mexico Travel Insurance and Safety Advice for Visitors in Mexico

    The Atlas plan provides travelers to Mexico with the following benefits and coverage: Flexible deductible options, hospitalization and outpatient coverage, personal liability, prescription medication, evacuation and repatriation, and mountaineering (up to 4,500 meters!), and trip interruption benefits up to $10,000.

  21. Travel Insurance for Mexico

    The cost of travel insurance for your Mexico trip can vary depending on your travel needs and critical risk factors such as traveller (s) age, number of travellers, trip duration and the level of coverage. But on average, it will cost you 4%-10% of your total trip cost. Additional risk factors that can increase the price you pay for travel ...

  22. Safe Your Trip: Travel Health Insurance Mexico

    Explore top travel health insurance Mexico plans for peace of mind. Get affordable coverage for medical emergencies during your Mexico trip. Sunday, April 14, 2024

  23. Travel Insurance for Mexico: The Best Options in 2024

    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.

  24. Travel Insurance Rating Methodology 2024

    Couple, age 30 for a Mexico trip costing $3,000. Couple, age 40, for an Italy trip costing $6,000. ... home, renters, life, pet, travel, health and small business insurance. She is an experienced ...

  25. Best International Travel Insurance for April 2024

    The best travel insurance companies for international travel can step in to provide you with peace of mind and financial protection while you're abroad. Best overall: Allianz Travel Insurance ...

  26. Employment Liability Insurance Is a Right in Mexico

    Social Security in Mexico is a fundamental right. It ensures access to health care, medical assistance, protection of livelihoods and necessary social services for individual well-being. Social ...