travel insurance to mexico

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The Best Travel Insurance for Mexico in 2024

Allianz Travel Insurance »

Seven Corners »

Generali Global Assistance »

Trawick International »

WorldTrips »

Why Trust Us

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

Table of Contents

• Allianz Travel Insurance
• Seven Corners

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

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

Frequently Asked Questions

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

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

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

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

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

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

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

Option to purchase CFAR and preexisting medical conditions coverage

Kids age 17 and younger covered for free

Lower coverage limits for medical expenses than some providers

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

Optional CFAR and preexisting conditions waiver available

Coverage for up to 10 travelers in a single plan

Low coverage limits on Trip Protection Basic plan

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

CFAR and preexisting medical conditions coverages available

High coverage limits for medical expenses and evacuation

CFAR coverage only reimburses at 60%

Low emergency dental limit

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

Coverage for 450-plus sports and activities

Generous benefits for emergency evacuation

No CFAR option available with this plan

No preexisting conditions waiver

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

Useful medical coverage for frequent travelers to Mexico

Potential for high coverage limits for medical expenses

No coverage for trip cancellation

Available coverage limits vary by age

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

Why Trust U.S. News Travel

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

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Travel Insurance

Mexico travel insurance 2024: Best plans and cost

Holly Johnson

Kara McGinley

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

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

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

Mexico travel insurance comparison

Travel insured.

Via TravelInsurance.com’s website

Top-scoring plan

Worldwide Trip Protector

Covers COVID?

Medical & evacuation limits per person

$100,000/$1 million

Atlas Journey Preferred

Seven Corners

RoundTrip Basic

$500,000/$1 million

Should I get travel insurance for my trip to Mexico?

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

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

Buying travel insurance for Mexico

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

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

Mexico travel insurance coverage options

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

Trip cancellation and trip interruption insurance 

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

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

Learn more about airfares: Airfares

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

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

Know more: Flight Cancellations

“Cancel for any reason” coverage

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

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

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

Trip delay insurance

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

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

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

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

“Interruption for any reason” coverage

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

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

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

Travel medical insurance

Travel medical insurance is crucial for trips to Mexico. 

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

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

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

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

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

Emergency medical evacuation 

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

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

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

Baggage insurance

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

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

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

Compare the best travel insurance offers

Mexico travel insurance faqs.

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

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

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

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

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

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

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

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

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‌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.

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

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

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

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

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

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

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

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

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

What Mexico Travel Insurance Covers

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Frequently Asked Questions

What insurance do i need to travel to mexico.

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

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

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

What is usually covered by travel insurance?

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

Is it safe to travel to Mexico?

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

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About Jessica Merritt

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

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Mexico Travel Insurance

Travel insurance for mexico.

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

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

Traveling with pre-existing Medical Conditions? 

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

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

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

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

How does Travel Insurance work in Mexico?

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

Medical Benefits: 

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

Pre-Departure Travel Benefits: 

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

Post-Departure Travel Benefits

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

Baggage Benefits: 

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

Additional Optional Travel Benefits:  

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

Do I need Travel Insurance for Mexico?

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

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

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

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

How much does Travel Insurance cost for Mexico?

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

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

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

Our Suggested AXA Travel Protection Plan 

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

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

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

Axa covers three types of medical expenses:

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

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

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

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

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

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

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

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

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

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

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

2. When should I buy Travel Insurance for Mexico?

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

3. Do Americans need travel insurance in Mexico?

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

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

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

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

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

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

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