Best Travel Insurance for Mexico (2024)

Best Travel Insurance for Mexico (1)

Best Travel Insurance for Mexico (2)

Byron Mühlberg

Guide

Jan 4, 2024

Advertiser disclosure

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:

👥 Number of visitors

Around 2.5 million /year

✅ Travel highlight

Rich culture

💸 Healthcare cost

52nd globally (above average)

🩺 Healthcare quality

Good

⚠ Main travel risks

- Violent crime
- Hurricanes (Jun-Nov)
- Earthquakes
- Volcanoes
- Dengue (in rural areas)
- Road traffic accidents

🛡 Safety

Safe

🚑 Travel insurance required?

No

🏆 Best provider

VisitorsCoverage

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

Best Travel Insurance for Mexico (3)

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,VisitorsCoverageis 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.

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

Go to VisitorsCoverage 🡪

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.

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

Go to Insured Nomads 🡪

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)!

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.
  • Customer support: FAQ, live chat, phone support
  • Pricing range: USD 45 to USD 160 /traveller /month
  • Insurance underwriter: Tokyo Marine HCC
  • Best for: Digital nomads, youth, long-term travellers

Go to SafetyWing 🡪

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:

No. of Plans

50+

2

3

Coverage

  • Medical insurance
  • Trip insurance
  • Trip insurance
  • Limited medical insurance
  • Trip insurance
  • Limited medical insurance

Major Exclusions

  • Maternity & childbirth coverage
  • Mental health coverage
  • Pre-existing condition coverage
  • Maternity & childbirth coverage
  • Mental health coverage

Limits

$50,000 - $5,000,000

$250,000

$2,000,000

Deductibles

$0 - $25,000

$250

$0 - $500

Pricing

$25 - $150 /month

$45 - $160 /month

$80 - $200 /month

Customer Service

  • FAQ
  • Live chat
  • Phone support
  • FAQ
  • Live chat
  • Phone support
  • Available 24/7
  • FAQ
  • Live chat
  • Phone support
  • Available 24/7

Reputation

Excellent

Decent

Very good

Ease of Use

Easy

Decent

Easy

Get your quoteGet your quoteGet your quote

Data correct as of 4/1/2024

FAQ About Travel Insurance to Mexico

  • 💊 What does travel insurance cover?

    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.

  • 📋 Do I need travel insurance to travel to Mexico?

    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.

  • 🩺 Is medical travel insurance worth it?

    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.

  • 🚑 Does health insurance cover travel expenses?

    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.

  • 🌴 Is health and travel insurance the same?

    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.).

  • 💸 How much does travel insurance cost?

    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.

  • 📑 What's the difference between single-trip and annual insurance?

    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.

  • 📅 Can I buy insurance after I've started my trip?

    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.

  • 📆 Can I buy insurance for a trip I've already booked?

    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

How Travel Insurance Works March 20, 2023 - by Byron Mühlberg Best International Insurance July 27, 2023 - by Byron Mühlberg Travel Insurance for Children September 23, 2022 - by Byron Mühlberg Types of Travel Insurance March 23, 2023 - by Byron Mühlberg Why Get Travel Insurance March 20, 2023 - by Byron Mühlberg Booking Late Travel Insurance March 17, 2023 - by Byron Mühlberg Cost of Travel Insurance March 15, 2023 - by Byron Mühlberg

Looking for Travel Insurance to Another Country?

See our recommendations for travel insurance to other countries worldwide:

United Arab Emirates

Fiji

US Virgin Islands

India

Qatar

Belarus

Jamaica

Chile

Guatemala

Turkey

Hong Kong

Serbia

Germany

Kenya

Bulgaria

Mexico

Denmark

Tanzania

Philippines

Czechia

Gibraltar

United Kingdom

Netherlands

Azerbaijan

Canada

Morocco

Albania

South Korea

Austria

Panama

Argentina

Sweden

Kuwait

Thailand

Indonesia

Iraq

Belize

Bhutan

Bahrain

Spain

Pakistan

Uganda

Turks and Caicos

Poland

Nigeria

Australia

Bangladesh

Zimbabwe

Singapore

Cayman Islands

Nicaragua

Israel

Mauritius

Zambia

Brazil

Seychelles

Vanuatu

Russia

Barbados

Turkmenistan

South Africa

Cape Verde

Trinidad and Tobago

China

Tunisia

Sudan

Colombia

Oman

Somalia

Ireland

Malta

Syria

Vietnam

Cambodia

Sierra Leone

Nepal

Belgium

Rwanda

Egypt

Romania

Papua New Guinea

Iceland

Georgia

Mozambique

Jordan

Saudi Arabia

Montenegro

Bahamas

Iran

Mongolia

Portugal

Taiwan

Malawi

New Zealand

Namibia

Luxembourg

Puerto Rico

Lebanon

Lithuania

Dominican Republic

Cyprus

Latvia

Maldives

Myanmar

Laos

Malaysia

Finland

Haiti

Switzerland

Hungary

Gambia

Sri Lanka

Venezuela

Ethiopia

Croatia

Bermuda

Estonia

Ecuador

Ghana

Botswana

Peru

Uruguay

Afghanistan

Japan

Italy

Greece

France

Costa Rica

Why Trust Monito?

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Best Travel Insurance for Mexico (2024)

FAQs

Best Travel Insurance for Mexico? ›

The average cost of travel insurance is about 3% to 5% of a trip's total value, according to quotes gathered by our research team across different travel insurance providers for various traveler profiles.

How much does travel insurance to Mexico cost? ›

The average cost of travel insurance is about 3% to 5% of a trip's total value, according to quotes gathered by our research team across different travel insurance providers for various traveler profiles.

Does USA insurance work in Mexico? ›

No, U.S. auto insurance policies aren't valid in Mexico.

What is the best travel insurance company? ›

The Best International Travel Insurance Providers in Detail
  • Faye. Our Top Pick. ...
  • Travelex. Our pick for families. ...
  • Nationwide Travel Insurance. Our pick for most coverage reimbursed. ...
  • Tin Leg. Our pick for customizable coverage. ...
  • Berkshire Hathaway Travel Protection. ...
  • Seven Corners Travel Insurance. ...
  • AIG Travel Guard.

Does Allianz travel insurance cover Mexico? ›

Our Single Trip, Annual Trip, and Backpacker policies are designed to protect you when you take a trip to Mexico. Across our Single trip and Annual policies, we also offer three levels of cover: Bronze, Silver and Gold.

What is a reasonable price for travel insurance? ›

Travel insurance rates through most providers fall between 4% and 8% of the total trip cost. Like the cost of flights, cruises, etc., rates may vary substantially based on the season, your original location, your destination, and other factors.

What is a good rate for travel insurance? ›

Travel insurance costs FAQs

The average cost of travel insurance is between 5% and 6% of the cost of the trip.

What kind of travel insurance do I need for Mexico? ›

Comprehensive travel insurance for Mexico should include coverage for trip cancellation, trip delay, trip interruption, travel medical, emergency medical evacuation and baggage loss.

Is Allianz travel insurance good? ›

We at the MarketWatch Guides team awarded Allianz Travel Insurance 4.1 out of 5 stars based on our provider review methodology. Named our pick for concierge services, Allianz offers 24/7 travel assistance through a multilingual team, which can help policyholders with travel and coverage issues while abroad.

Do I need special insurance to travel to Mexico? ›

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.

Where is the best place to get travel insurance? ›

The best travel insurance
  • Santander. Times Money Mentor award winning cover. ...
  • Saga. Best for over-50s. ...
  • Post Office. Best for those with pre-existing medical conditions. ...
  • Aviva. Best for those wanting substantial medical cover. ...
  • LV= Best for a range of unique add-ons. ...
  • Switched On. ...
  • Just Travel Cover* ...
  • InsureandGo*
Mar 26, 2024

Is it better to buy travel insurance early or late? ›

In general, you can buy coverage any time before the date of your trip. That said, it's always best to buy coverage as soon as you make your reservations. The sooner you buy travel insurance, the sooner you'll be protected and the more benefits you may be eligible to receive.

What does travel insurance not cover? ›

Most travel insurance policies won't pay out if you're negligent while under the influence of alcohol or drugs, and have an accident or have property stolen.

What is not covered by Allianz travel insurance? ›

Claims due to known, foreseeable, or expected events, epidemics, government prohibitions, warnings, or travel advisories or fear of travel are generally not covered (coverage can vary by state.)

Who owns Allianz travel insurance? ›

Allianz Global Assistance is owned by Allianz SE, the world's largest diversified insurance company. Thanks to the scale of our parent company, we can provide innovative products with worldwide coverage at a competitive rate.

How far into Mexico does insurance cover? ›

The Mexico Coverage Endorsem*nt provides limited extension of coverage for accidents occurring in Mexico within 25 miles of the United States border while the insured is on a trip for 10 days or less.

Why is travel insurance expensive for Mexico? ›

For example, some include Mexico in a subset of countries that includes the United States, Canada and nations in the Caribbean – places notorious for high medical costs and therefore the most expensive for insurance purposes. A policy that covers every country is known as Worldwide.

How much is Mexican insurance per day? ›

How Much is Mexican Car Insurance Per Day? The costs average between $2 and $40 a day. The cost depend on several factors including type of vehicle, length of stay and the type of coverage you choose. You can purchase a policy for a day, a month, or a year.

What kind of insurance do I need in Mexico? ›

Liability car insurance in Mexico

You are required by Mexican law to have liability insurance. If you cause a car accident, this covers bodily injuries and property damage to others. You can typically choose a policy limit (up to a certain amount).

Do you need insurance to cross to Mexico? ›

Whether you're driving your own vehicle or renting a car, you'll need to purchase a Mexico tourist auto insurance policy for your trip. If you plan on driving your own vehicle, contact your insurance provider about purchasing a Mexico tourist auto insurance policy.

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