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Travel insurance for Mexico

Compare the best Mexico travel insurance in 2021.

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Mexico is one of the most popular tourist destinations in the world, with travelers drawn to its Mesoamerican ruins, colonial history, festivals and cultural activities, beach resorts and nature reserves.

The lively European and Mesoamerican cultural fusion that you can find all around Mexico, combined with welcoming weather, makes it an attractive option for a lot of visitors. The right travel insurance can protect even your wildest adventures.

What's changed in 2021?

The US government has issued a Level 3 travel advisory for Mexico as of February 2021. Read the fine print of your travel insurance policy to learn whether it covers emergencies, evacuations, interruptions or cancellations for your Mexico trip during the pandemic. Learn more about restrictions and requirements for US travelers by country.

*Be aware that most travel insurance policies don’t offer COVID-19 coverage. To find one that does, have a look at travel insurance policies that cover the coronavirus.*

How to compare travel insurance for Mexico

Travel insurance helps keep you and your wallet safe while you’re traveling. While the amount of coverage you get varies from policy to policy, basic things to look for include:

  • Flight cancellations or delays. If your trip gets canceled or your flight gets delayed, your insurer can help get you on a new flight, cover extra accommodations and reimburse you for lost deposits.
  • Medical coverage. This is often viewed as a necessity when traveling abroad. If you get sick or in an accident while overseas, medical bills can pile up fast if you aren’t insured.
  • Luggage and personal item protection. If your luggage gets lost or a thief manages to snatch your wallet, your insurer can reimburse you.
  • Activities that may require additional coverage. For explorers and adventure enthusiasts, consider activity coverage if you intend on any of the following:
    • Visiting Mayan ruins. Mexico hosts archaeologically and architecturally significant sites, including famous monuments like the towering pyramid of Chichen Itza. Bear in mind that pyramids are steep, and tourists are known to themselves in falls. With many sites in isolated locations, travel insurance that covers medical evacuation and repatriation is helpful.
    • Water sports. Scuba diving and snorkeling is big in Mexico, and the length of the nation’s coastline means you can experience a diverse range of undersea flora and fauna in beautiful warm waters. Check with your insurance provider to make sure scuba diving is covered before renting any equipment.
    • Adventure activities. Zip-lining, skydiving, bungee jumping and other adrenaline-fueled thrills can be found all around Mexico. But operator precautions, equipment and safety standards may different from home. Adventure activities aren’t always covered by default travel insurance policies, so make sure your policy includes it.
    • Enjoying the nightlife. Mexico City boasts a thriving entertainment scene with enough variety to satisfy nearly anyone. Remember to keep a close eye on valuables, including your passport, ID and other travel documents. For peace of mind, consider credit card fraud protection and travel insurance to cover your vital documents.

Compare travel insurance for Mexico

Name Product Trip Cancellation Emergency Medical Expenses Baggage Coverage Trip Delay
Atlas Travel by Tokio Marine
0%
$2,000,000
$1,000
$100
Customizable policy that balances basic essentials with premium coverage.
Atlas Group Insurance by Tokio Marine
0%
$2,000,000
$1,000
$100
Customizable policy designed for families, student organizations and groups of five or more people.
RoamRight Essential Travel Insurance Plan
100%
$15,000
$750
$500
Basic policy with coverage that includes trip cancellation insurance, tourist health insurance and baggage insurance.
RoamRight Multi-Trip Annual Insurance for Trip Cancellation
100%
$25,000
$1,000
$1,000
Bare-bones policy designed for those who want trip cancellation coverage and limited medical protection.
AXA Assistance Silver Plan
100%
$25,000
$750
$500
Basic travel protection with lower amounts of coverage. No option to cancel for any reason.
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Compare up to 4 providers

How to stay safe in Mexico

Overall, travelers to Mexico are advised to exercise caution and remain alert while looking out for:

  1. Theft. Petty theft is relatively prevalent in tourist areas, bus stations, airports, hotels and public transportation.
  2. Violence. Assault, armed robbery, kidnapping and murder can occur in tourist spots, with risk greatly increasing after dark. Allegations of police involvement in kidnapping and extortion schemes are prevalent, and individuals posing as police are known to commit crimes.
  3. Disease. Malaria, Zika and other mosquito-borne illnesses are an issue throughout the year, particularly in isolated areas. Wear long sleeves, use insect repellent and don’t sleep outside without a bug net.
  4. Weather. Mexico’s hurricane season is from June to November. Landslides, mudslides, flooding and service disruptions are likely, and travel can become particularly difficult in isolated areas. Familiarize yourself with evacuation procedures when traveling in hurricane season.
  5. Civil unrest. Protests, demonstrations and strikes are common in Mexico. These protests have resulted in death and can block roads or access to government buildings. Stay clear from protests or demonstrations.

The US Department of State advises against traveling to areas that include Michoacán, Colima, Guerrero, Tamaulipas and Sinaloa.

We recommend reading updated travel advisories for Mexico ahead of your trip.

      • Travel Accident Coverage : up to $50,000
      • Pre-Existing Medical Condition : Available
      • Concierge : Included

      Our top pick: Allianz International Travel Insurance

      Customizable coverage that can give you peace of mind when traveling to popular or remote destinations.

        Promoted

        What happens if I have a medical emergency in Mexico?

        Mexico offers a varied healthcare system with many quality hospitals, doctors and specialists. The most advanced facilities can be found in Mexico City, Guadalajara and Monterrey, and you might have to travel or be evacuated to one of these cities for a serious injury or illness.

        In an emergency, plan to access private hospitals or clinics, rather than the public system.

        • A private hospital could refuse to treat you if you don’t have proof of medical insurance. Find a travel insurance policy that pays up front if you can’t cover the cost of potential treatments.

        Who do I contact in an emergency?

        In an emergency, your ideal point of contact may be your tour operator, hotel or relevant service provider. Depending on the severity of your emergency, you might also want to contact:

        • The US embassy. If you have passport or documentation issues, legal trouble or need help but don’t know who else to call, the embassy can point you in the right direction — although the actual assistance they provide may be limited.
        • Your insurer. Your policy should include a 24/7 claims helpline that’s clearly accessible on your documents or its website. For any claim, call as soon as you can.

        Get travel money for Mexico

        Travel insurance exclusions to watch out for in Mexico

        Situations in which your insurer may not accept a claim include:

        • Reckless behavior or under the influence. Insurers reserve the right refuse paying for losses incurred while under the influence of alcohol or any other substances. Expect insurers to impose a blanket exclusion for unreasonably dangerous or reckless behavior, regardless of sobriety.
        • Pre-existing medical conditions. Medical coverage for pre-existing health conditions is typically excluded by default. If you do have a pre-existing condition, let your insurer know about it.
        • Failure to take precautions. If you fail to obey warning signs, your insurer may not pay for resulting injuries. For instance, if you get sick because you didn’t get recommended vaccines, your insurer could refuse to pay for treatment. Finally, if you leave your belongings unattended and they’re stolen, you’re probably on your own.

        Using a credit card in Mexico

        Bottom line

        Spectacular beaches, adventurous activities and a favorable exchange rate make Mexico a popular tourist destination. And travel insurance policy can keep your Mexican dream vacation from leaving you thousands in debt — even if you accidentally drink the tap water.


        Frequently asked questions

        What are the entry requirements for Mexico?

        American citizens traveling to Mexico don’t need a visa. Instead, you can fill out an entry card on the flight or at land border crossings and pay a fee of about $22. Most airlines include his fee with your ticket’s taxes and surcharges.

          When is the best time to visit Mexico?

          The best time to visit Mexico is from December to May. Climate and weather conditions vary by region and terrain, but are generally warm and pleasant. You might want to avoid hurricane season from June to November.

          • Avoid holiday periods, particularly spring break, if you don’t like big crowds.
          • Consider planning your trip around festivals, holidays and special events.

          How long can I stay without a visa?

          US citizens can visit Mexico for up to 180 days without a visa.

          What is enough medical coverage for traveling to Mexico?

          It depends on your health — and where you’re going. If you have pre-existing medical conditions, discuss them with your insurer before buying a policy. If you’re planning risky activities, like rock climbing or skydiving, look for a policy that includes medical evacuations for emergencies.

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