Travel insurance for Mexico

Discover the Magic of Mexico

With rich history, colorful cultural traditions, and unbelievable beaches, Mexico is hard to resist.

Traveling to Mexico

Because of its location just south of the United States, it’s a convenient international destination for Americans, and you’ll only need a passport—no visa or additional documentation required.

You may be asking, “Do I need travel insurance for Mexico?” Simply put, yes. Proper planning is a must for a trip to Mexico, as you might encounter parts of the country where infrastructure is limited and crime risk is high.

Of course, your specific risk and coverage requirements will vary based on what type of Mexico vacation you’re taking—a resort vacation in Puerto Vallarta is much different than a sea kayaking expedition in the Sea of Cortez.

Health and safety in Mexico

While getting to Mexico is easy, it does present some health and safety challenges that you’ll want to be prepared for.

Street crime and petty theft are an issue in many towns and cities across the country, especially in tourist areas.
You’ll also want to pay attention to the weather. While Mexico is known for its beautiful beaches, its coastline is also susceptible to hurricanes, which peak between mid-August and mid-October every year.
Mexico is ranked 64th out of 125 countries, based in terms of the Infrastructure Competitiveness Index. Parts of the country are more rugged than others, sometimes making it difficult to access electricity, potable water, and reliable transportation.

The best travel insurance for Mexico

Here’s our recommendation if you’re traveling to Mexico soon. Learn more about the Discovery plan and how you can customize your coverage.

Mexico travel insurance FAQs

Is travel insurance required for a trip to Mexico?

Travel insurance isn’t required for Americans visiting Mexico. However, prudent, experienced travelers always purchase travel insurance, especially when traveling internationally. Information on insurance requirements can change quickly, so we suggest you check the US State Department website for the most up-to-date information.

What type of travel insurance is best for Mexico?

Look for a policy that covers you when the unexpected happens. For example, your US health insurance policy probably won’t cover you when you’re out of the country, so you may want to consider travel medical expense coverage.

Will my personal car insurance cover rental car damage in Mexico?

Your US auto insurance policy likely does not cover you for rentals outside the US, but you should check with your insurance company before departing. Note that the damage waiver offered by the rental company can be very expensive. battleface Discovery travel insurance plans offer rental vehicle damage coverage that can be less expensive than what is offered by the rental agency.

Does my personal health insurance cover me when I’m in Mexico?

The short answer is “it depends.” You should check with your health insurer before you depart, as some may cover international travel, but many do not. Even if you are covered, be aware that you generally need to pay out of pocket and then seek reimbursement when you return home. Other considerations include:

  1. An emergency medical evacuation can easily cost $100,000 or more. Travel insurance generally pays this cost up front, and it can protect you against a huge bill later.
  2. For those on US Medicare, be aware that Medicare does not cover you outside the US.
  3. Don’t expect the State Department to come to your rescue. According to their website: “We do not pay medical bills. Payment of hospital and other expenses is the patient’s responsibility.”

How much does travel insurance for Mexico cost?

Based on factors such as your age, trip cost, and trip length, the cost can range from 4-8% of your total trip cost, or more if you select options such as Cancel For Any Reason coverage.

Is Mexico safe for travelers?

Mexico is generally a safe destination for travelers, but it has had its ups and downs. Resort and beach towns, such as Cancun, Acapulco, and Playa del Carmen tend to attract many travelers, which can often result in theft and robberies. For more information, read our Mexico Health & Safety guidelines.

Does travel insurance cover hurricanes?

Generally, yes. battleface Discovery travel insurance plans can cover a variety of circumstances related to hurricanes that could adversely impact your trip, such as: a mandatory evacuation is ordered at your destination; damage to your destination making it uninhabitable or inaccessible; damage to your own residence, rendering it uninhabitable; road closures; or cessation of travel services due to adverse weather.

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