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Mexico Travel Insurance: Top Plans in 2024

KEY TAKEAWAYS
  • It’s not mandatory to have travel insurance for a trip to Mexico, but most US health insurance plans won’t cover you while you are abroad.
  • At a minimum, we recommend buying a medical travel insurance plan that offers coverage in Mexico to protect from potential illness and injuries while you are away.
  • Travel insurance for Mexico is usually very affordable and typically costs around $1 per day when you opt for medical-only coverage.
  • For a few more dollars, you can opt for a comprehensive travel insurance plan which comes with added coverage to reimburse your for things like trip cancellations, interruption, delays, lost/damaged luggage, and more.
  • We recommend using an online comparison tool to filter through the best travel insurance plans for your trip to Mexico. You’ll see plans and prices from multiple providers at once to easily compare deals.

Whether you’re looking to relax at a resort in Summer, spend Christmas in Mexico, or go on the adventure of a lifetime, Mexico is an ideal travel destination. However, staying safe is paramount for all travelers in Mexico. Apart from knowing where is safe to visit in Mexico, having a dedicated travel insurance plan is a key measure of backup. In this guide, we’ve got you covered.

The good news is that for Mexico, travel insurance is quite affordable. Here is a look at our favorite travel insurance plans for trips to Mexico.

Our picks of the best Mexico travel insurance plans for 2024

Advertiser Disclosure
Best Value

Tin Leg

GET A QUOTE via Squaremouth’s secure website
4.6
Preferred Plan
Gold
Covers COVID
YES
Medical & Evacuation Limits Per Person
$500,000 / $500,000
Strongest Medical Coverage

Seven Corners

GET A QUOTE via Squaremouth’s secure website
4.37
Preferred Plan
Trip Protection Choice
Covers COVID
YES
Medical & Evacuation Limits Per Person
$500,000 / $1,000,000
Premium Comprehensive Coverage

AXA Assistance USA

GET A QUOTE via Squaremouth’s secure website
4.22
Preferred Plan
Platinum
Covers COVID
YES
Medical & Evacuation Limits Per Person
$250,000 / $1,000,000

Cheapest Mexico travel insurance plans

Advertiser Disclosure
Best Medical-only Plan

Tin Leg

GET A QUOTE via Squaremouth’s secure website
4.6
Preferred Plan
Economy
Covers COVID
YES
Medical & Evacuation Limits Per Person
$20,000 / $100,000
Cheapest Comprehensive Plan

AEGIS

GET A QUOTE via Squaremouth’s secure website
4.07
Preferred Plan
Go Ready Choice
Covers COVID
Yes
Medical & Evacuation Limits Per Person
$500,000 / $500,000
Lets You Buy Only What You Need

Battleface

GET A QUOTE via Squaremouth’s secure website
4.33
Preferred Plan
Discovery
Covers COVID
YES (add-on)
Medical & Evacuation Limits Per Person
$100,000 (add-on) / $500,000 (add-on)

Do I need travel insurance for a trip to Mexico?

Yes, we recommend getting travel insurance when visiting Mexico to ensure you have proper access to medical care.

Americans aren’t legally required to have travel insurance for a trip to Mexico, but most US health insurance plans aren’t widely accepted. Therefore most people opt for medical travel insurance at a minimum when visiting Mexico.

Reasons why you should buy travel insurance for Mexico:

Violence & crime

The US Department of State highlights that violent crime, teft, and kidnapping is prevalent across Mexico and recommends that tourists to exercise caution. This is especially true when visiting certain areas of Mexico where gang and cartel violence is most prevalent.

While these incidents are rare in more touristy areas, it’s important to note the risk and prepare yourself accordingly. As recently as this February, tourists in Tulum were killed when caught in the crossfire of rival gangs.

Comprehensive travel insurance covers medical emergencies, emergency evacuations, and repatriation to your home country if you become injured, ill, or pass away while traveling.

Food & waterborne illness

Foodborne illness is one of the most common illness for those visiting Mexico. In fact, traveler’s diarrhea is so common in Mexico it is commonly known as Montezuma’s revenge. Oftentime food hygiene in Mexico is not the same as in the US, and to make matters more challenging, Mexico’s?tap water?isn’t safe to consume, as noted by the CDC.

Travel insurance can cover hospital visits for treatment if you become ill as well as help you recoup lost expenses if you have to return to the United States earlier than expected.

Excursions & injuries

Mexico is a paradise for adventure sports like snorkeling, diving, hiking, parasailing, and more. You may not expect to run into trouble on your excursions, but one review cited by the CDC found that 51% of all deaths of US Travelers in Mexico were related to injuries. 18% of these were due to road incidents. Remember, most US health plans, including Medicare, won’t cover you in Mexico, and if they do, it will be highly limited.

Travel insurance covers many advuture sports and also reimburses you for medical treatment and can facilitate emergency medical evacuations in more extreme cases.

Hurricane season

With changing temperatures, hurricanes have become more prevalent, and the season is lasting longer. Mexico’s hurricane season runs from May to November with the height of the season falling directly during Summer months (July and October).

Many insurance policies will reimburse you for your trip if a hurricane or tropical storm renders you unable to travel to your destination. This incudes damage caused to your home or damage caused to lodgings at your destination.

Advertiser Disclosure

Best Value

Full Policy Details

Tin Leg

4.6
GET A QUOTE via Squaremouth’s secure website
Preferred Plan
Gold
Covers COVID
YES
Medical & Evacuation Limits Per Person
$500,000 / $500,000
Why We Like It

Editor's take

Tin Leg is known for offering high-quality travel insurance coverage at a competitive and reasonable price.

All Tin Leg policies have an A- rating or better for their financial strength from AM Best. We like the Tin Leg Gold plan because it offers fantastic medical and evacuation coverage limits at an affordable price.

Tin Leg’s Gold Plan automatically insures you for both trip cancellation and trip interruption. With up to $500,000 in emergency medical expense protection and up to $500,000 in coverage for emergency medical evacuation, you will be covered should the worst happen during your visit to Mexico. COVID-19 coverage also comes as standard with this plan, covering you from any COVID-related illnesses.

You may also qualify for travel delay protection, baggage insurance, and insurance that protects against missed connections on your way to Mexico.

PROS

  • Excellent primary coverage for medical expenses
  • High limit for emergency evacuation coverage
  • Optional cancel for any reason (CFAR) coverage available
  • Comes with coverage for hurricanes and inclement weather
  • Coverage for pre-existing conditions is available if purchased within 14 days of the trip deposit

CONS

  • Baggage delay coverage requires a 24-hour waiting period
  • Low coverage limits for baggage and personal effects

Strongest Medical Coverage

Full Policy Details

Seven Corners

4.37
GET A QUOTE via Squaremouth’s secure website
Preferred Plan
Trip Protection Choice
Covers COVID
YES
Medical & Evacuation Limits Per Person
$500,000 / $1,000,000
Why We Like It

Editor's take

If you are looking for comprehensive travel insurance for your trip to Mexico, the Trip Protection Choice plan from Seven Corners is an ideal choice. In fact, the Trip Protection Choice plan is our top-selling travel insurance policy thanks to its high coverage limits, customizable add-ons, excellent 24-hour customer service, and a 14-day money-back guarantee. This plan is neither the cheapest nor the most expensive, but it offers solid coverage for an affordable price.

Trip Protection Choice plan can easily cover and reimburse you for things like:

  • Overall trip cost
  • Travel delays & stipends
  • Baggage & equipment loss/damage
  • Emergency medical expenses
  • Emergency medical evacuation
  • Accidental death or dismemberment
  • Repatriation of remains

The Trip Protection Choice offers extensive coverage for both trip cancellation and interruption including a vast range of valid reasons for cancellation and interruption. The policy covers 100% of the trip cost if you cancel and 150% of the trip cost in case of interruptions. These added benefits provide you with greater flexibility for your Mexico trip, protecting you from any eventuality.

Regarding medical coverage, Seven Corners’ Trip Protection Choice plan offers $500,000 for emergency medical coverage and $1m in medical evacuation and repatriation coverage per person. It also covers medical expenses related to Covid-19. The plan’s primary medical coverage also means there is no deductible, meaning you won’t have to pay anything upfront before claiming back off your insurance.

PROS

  • Offers coverage for pre-existing conditions
  • Money-back guarantee
  • Cancellation & Interruption coverage standard
  • Covers action sports & equipment

CONS

  • Cancel for any reason not included standard
  • Must meet waiver for pre-existing conditions to be covered

Premium Comprehensive Coverage

AXA Assistance USA

4.22
GET A QUOTE via Squaremouth’s secure website
Preferred Plan
Platinum
Covers COVID
YES
Medical & Evacuation Limits Per Person
$250,000 / $1,000,000
Why We Like It

PROS

  • High coverage limits in every category. Extremely comprehensive
  • Includes identity theft coverage & non-medical evacuation coverage
  • CFAR coverage reimburses 75% of prepaid travel expenses

CONS

  • Coverage cannot be extended unlike other plans
  • Medical limit is lower than other cheaper plans, but still sufficient

Best Medical-only Plan

Full Policy Details

Tin Leg

4.6
GET A QUOTE via Squaremouth’s secure website
Preferred Plan
Economy
Covers COVID
YES
Medical & Evacuation Limits Per Person
$20,000 / $100,000
Why We Like It

PROS

  • Choose from budget to premium coverage
  • Protection for COVID-19-related medical expenses included
  • All plans come with a 10 to 15-day money-back guarantee

CONS

  • The Budget Economy plan has lower policy limits
  • Not all plans let you add on CFAR coverage

Cheapest Comprehensive Plan

AEGIS

4.07
GET A QUOTE via Squaremouth’s secure website
Preferred Plan
Go Ready Choice
Covers COVID
Yes
Medical & Evacuation Limits Per Person
$500,000 / $500,000
Why We Like It

PROS

  • Affordable and budget prices
  • Cancelation & interruption coverage
  • Offers hurricane and weather coverage

CONS

  • Medical coverage is low comapred to competitors

Lets You Buy Only What You Need

Full Policy Details

Battleface

4.33
GET A QUOTE via Squaremouth’s secure website
Preferred Plan
Discovery
Covers COVID
YES (add-on)
Medical & Evacuation Limits Per Person
$100,000 (add-on) / $500,000 (add-on)
Why We Like It

PROS

  • Plan is completely customizable & affordable with all add-ons
  • Forgoing unnecessary coverage makes this plan very cheap
  • High CFAR coverage limit (75% of trip costs)

CONS

  • CFAR not available for trips costing over $10,000/ travel party.
  • Secondary medical coverage with $50 deductible (when choosing this add-on)
Passport and Plane Ticket

How much does Mexico travel insurance cost?

Travel insurance for Mexico can cost as low as $1 per day for basic, medical-only travel coverage. For comprehensive travel insurance, plans start around $8 to $9 per day for trips to Mexico.

To give you concrete examples, we got 3 travel insurance quotes using this tool and some generic trip information for a vacation to Mexico set for this Summer.

We applied the following trip information:

The table below shows quotes for basic travel insurance without full trip reimbursement added.

Mexico travel insurance cost examples – Plans with medical-only coverage

Provider Plan Name Plan Cost Cancellation / Interruption Limits Medical / Medevac Limits
Tin Leg Standard $12 $0 / $750 $30k / $200k
AXA Assistance Platinum $64 $0 / $1,000 $250k / $1,000,000
Seven Corners Trip Protection Basic $25 $0 / $1k $100k / $250k

As you can see from the table above, travel insurance for Mexico lasting one week can be extremely affordable and quite comprehensive.

However, you may want to purchase even more comprehensive travel insurance. As an example, in the table below we ran the same quote exercise for plans that reimburse the full cost of your trip if it is canceled or interrupted.

Mexico travel insurance cost examples – Comprehensive plans reimbursing full trip costs

Provider Plan Name Plan Cost Cancellation / Interruption Limits Medical / Medevac Limits
Tin Leg Standard $142 $1.5k / $2.25k $30k / $200k
AXA Assistance Platinum $92 $1.5k / $2.5k $250k / $1,000,000
Seven Corners Trip Protection Basic $58 $1.5k / $1.5k $100k / $250k

As you can see from the examples above, adding trip cost reimbursement can double the cost of the plan, however, it may be a small price to pay depending on the total cost of your trip and the money you could stand to lose should your trip get cancelled.

It’s important to note that these costs are for example purposes only, and how much you will pay can depend on many other factors.

Factors that influence the cost of travel insurance include:

Types of travel insurance coverage for a trip to Mexico

Comprehensive travel insurance usually covers the following scenarios.

Medical coverage

As noted above, you can’t use your U.S. health insurance in Mexico. The best travel insurance policies protect you by covering the cost of X-rays, physical exams, blood tests, CT scans and other medical services. If you come down with a severe case of COVID-19 while you’re traveling, your travel insurance plan may pay for hospitalization, medications and other medical services.

Senior travelers are far more likely to succumb to illness and injury and require these medical procedures. This being said, it’s important for elderly travelers to purchase senior travel insurance. If you know of a pre-existing condition, you’ll also want to ensure your insurance plan offers a pre-existing conditions waiver. Often, you will be required to purchase your insurance plan around two weeks before you make your initial trip deposit

Medical evacuation coverage

If you decide to venture into the mountains or other adventurous locations, there’s a chance you’ll injure yourself. Medical evacuation insurance, commonly called medevac coverage, pays to transport you to the nearest adequate medical facility. This is especially helpful if you’re in one of Mexico’s remote areas and can’t get to a hospital without a helicopter or airplane.

Trip cancellation reimbursement

Nobody wants to cancel a carefully planned trip. Unfortunately, when you travel, there are many factors outside of your control. That’s why it’s so important to have trip cancellation coverage.

This type of insurance reimburses you for prepaid, nonrefundable expenses if you have to cancel your travel for an approved reason. For example, if your local airport closes for several days due to severe flooding, you may be able to use travel insurance to recoup most of your prepaid expenses. Some travel insurance providers also offer cancel for any reason (CFAR) travel insurance coverage as an added benefit. This allows you to cancel your trip for any reason and receive between 50%-70% of your travel costs, depending on the type of plan you choose.

Travel insurance may also cover trip cancellations caused by the following circumstances:

As you can see, trip cancellation coverage only works if there’s some type of emergency or legal obligation that prevents you from traveling.

Trip delay coverage

This type of insurance gives you a little extra peace of mind if your trip is delayed for some reason. To use trip delay insurance, you must be traveling via a common carrier. This means you must use an airline, passenger railway, ferry, bus company or other transportation provider that’s open to the public. If you experience a travel delay caused by a common carrier, your insurance will reimburse you for the cost of expenses associated with the delay.

For example, if the airline cancels your return flight and you can’t get another one until the next day, your insurance should cover your additional lodging costs. It may also cover the cost of transporting each traveler from the airport to the hotel.

Trip interruption coverage

Even if you avoid trip cancellation, you may have to end your trip early due to some type of emergency. If this happens, trip interruption insurance reimburses the unused portion of your prepaid, non-refundable expenses.

For example, if you have to leave Mexico on day 5 of a 10-day trip, your insurance may reimburse you for the unused nights at the hotel or the cost of prepaid tickets to local attractions. Remember, travel insurance only covers non-refundable expenses.

Baggage insurance

Almost every traveler has baggage problems at some point in their lives. Baggage insurance takes the hassle out of replacing lost items and recouping some of the costs associated with damaged luggage.

For example, if your duffel bag gets caught in a machine, you may end up with torn pants and shirts. Your insurance will cover the cost of replacing these items but only up to certain limits. It’s common for Mexico travel insurance to have per-item limits, so your policy may not cover the full value of each missing or damaged item.

Rental car insurance

Having a rental car gives you more freedom when you travel, but it’s important to have insurance to cover accidents, vehicle theft and vandalism. Comprehensive travel insurance usually includes this coverage, giving you extra peace of mind. If someone steals your rental vehicle while it’s parked outside a restaurant, for example, you won’t have to worry about paying the rental company out of your own pocket. Your travel insurance will reimburse the company for the value of the stolen vehicle.

If you live within driving distance of the U.S.-Mexico border, it’s possible to drive your own vehicle into the country. Before you travel, consider purchasing Mexican auto insurance from a reputable company. Depending on which company you choose, you may be able to get an auto insurance policy that’s valid for anywhere from 1 day to 12 months. Your U.S. auto insurance won’t cover you if you’re in an accident over the border, so it’s important to line up this type of coverage before you travel.

What doesn’t Mexico travel insurance cover?

Although comprehensive travel insurance covers a wide range of scenarios, it does have some exclusions.

Travel health insurance doesn’t cover pre-existing conditions, or medical conditions that you had before you bought your policy. For example, if you were pregnant when you booked your trip, Mexico travel insurance won’t cover the cost of routine pregnancy care while you travel. However, it may cover the cost of treating unexpected complications. Although Mexico travel insurance won’t cover the cost of routine pregnancy care, there are pregnancy travel insurance policy providers that will, for many destinations.

Tips for buying the best travel insurance for Mexico

Make sure you’re prepared for your trip to Mexico by following these quick tips.

1

Define your itinerary and schedule.

Keep in mind that the more carriers you use, the more you may pay for travel insurance. This is because traveling with multiple carriers increases the risk of delays and flight cancellations.

See More See Less
2

Get a plan that suits your needs.

Beaches are great, but you’ll want to opt for an adventure plan if you intend to go skydiving, scuba diving or otherwise engage in potentially dangerous activities.

See More See Less
3

Contrast and compare plans.

If you’re planning your trip in advance, take the time to compare different plans before you sign up. Most importantly, consider how comprehensive the coverage is and how much it will cost you.

See More See Less
Passport and Plane Ticket

Mexico travel information & requirements

Here’s?what you need to know?before you travel to Mexico, according to the U.S. Department of State.

Tourist visa required? No visa required for trips lasting up to 180 days.
U.S. citizens must apply for a tourist card.
Passport requirements To enter Mexico by air, you must have a passport book with at least one blank page.
To enter Mexico by land, you need a passport book or a passport card.
Recommended Vaccines The CDC recommends the following vaccines before traveling to Mexico:
Chickenpox, Diphtheria-tetanus-pertussis, Hepatitis A & B, Influenza, Measles (infants 6 to 11 months of age), Measles-mumps-rubella, Polio, Shingles, Typhoid
COVID test required? No
Emergency services phone number 911
Accepts U.S. health insurance? No
Travel insurance required? No, but it’s highly recommended due to security concerns
Local currency Peso
Average 5-year exchange rate 1 USD = 19.796823 pesos

Tips for visiting Mexico

Do I need a visa to visit Mexico?

You don’t need a visa for stays of 180 days or less, but you do need to apply for a tourist card.

Is Mexico safe to visit?

The U.S. Department of State has issued “Do Not Travel” advisories for several areas of Mexico:

Colima, Guerrero, Michoacan, Sinaloa, Tamaulipas and Zacatecas. These areas are known for high rates of crime, including kidnapping. Department of State officials also urge Americans to reconsider traveling to Baja California, Chihuahua, Durango, Guanajuato, Jalisco, Morelos, and Sonora.

For most other destinations in Mexico, the Department of State advises Americans to exercise increased caution.

Below are all of the travel advisories for Mexico as seen on the Department of State’s travel advisory board.

U.S. Government Travel Advisory Level Areas of Advisory
Exercise Normal Precautions: Campeche, Yucatan
Exercise Increased Caution: Aguascalientes, Baja California Sur, Chiapas, Coahuila, Hidalgo, Mexico City, Mexico State, Nayarit, Nuevo Leon, Oaxaca, Puebla, Queretaro, Quintana, San Luis Potosi, Tabasco, Tlaxcala, Veracruz
Reconsider Travel: Baja California, Chihuahua, Durango, Guanajuato, Jalisco, Morelos, Sonora
Do Not Travel: Colima, Guerrero, Michoacan, Sinaloa, Tamaulipas, Zacatecas

You can enroll in the?Smart Traveler Enrollment Program?(STEP) to receive important safety information from the Embassy.

Does US health insurance cover Mexico?

Most US health insurance plans, including Medicare and Medicaid, will not cover your medical needs in Mexico. If you require emergency medical treatment while traveling in Mexico, you may be left with a hefty bill should you visit without medical travel insurance.

FAQ - Mexico Travel Insurance

Is travel insurance required to visit Mexico?

Currently, there are no travel insurance requirements for U.S. citizens wishing to enter most of Mexico. However, some locations, including Puerto Vallarta, require travelers to have travel medical insurance. Always check official government websites for the most up-to-date information.

Can I use my US health insurance in Mexico?

No, you will not be able to use your US health insurance in Mexico. American health insurance policies, such as Medicare, do not extend beyond borders.

Can I get travel insurance for Mexico through my credit card?

Many travelers have credit cards that include some type of travel insurance. Remember to look closely at what types of coverage is offered and the limits for each category.

If the limits are low, it’s wise to purchase a supplemental policy just in case you have an emergency during your trip. For example, if your credit card only covers $25,000 in medical expenses, you may want to purchase travel insurance that covers an additional $50,000.

The Chase Sapphire Reserve and American Express Platinum both include coverage for medical expenses, medical evacuation, cancellations, delays, and lost baggage.

Should I get travel insurance for a trip to Mexico?

As mentioned above, travel insurance is not typically mandatory for a trip to Mexico. While the choice to enroll in a travel insurance plan is entirely up to you, there are clear benefits to being covered. Foremost is peace of mind, even if you aren’t planning to engage in adrenaline-pumping activities.

How much is Mexico travel insurance?

Multiple factors determine the cost of travel insurance. For basic coverage, it can cost as little as around $1 per day. For comprehensive travel insurance, it generally costs around $8 to $9 per day.

Do I need Mexico travel insurance for an all-inclusive resort?

As mentioned above, some Mexican destinations require travel medical insurance. These locations include Puerto Vallarta and Riviera Nayarit. You should always check with official government websites to learn more about requirements. In cases where travel insurance isn’t required, you may still want to get medical coverage.

Do you need travel insurance to go to Cancun?

Although it is not mandatory to have travel insurance for Cancun, the US Department of State advises visitors to exercise increased caution when traveling to Cancun. Although it is considered relatively safe, the state of Quintana Roo’s reputation for sporadic acts of crime means that having an insurance plan can protect you should the worst happen while you’re on vacation here.

Leigh Morgan
Leigh Morgan Personal Finance

Leigh Morgan is a seasoned personal finance contributor with over 15 years of experience writing on a diverse range of professional legal and financial topics. She specializes in subjects like navigating the complexities of insurance, savings, zero-based budgeting and emergency fund development.

In the last 5 years, she’s authored over 300 articles for credit unions, digital banks, and financial professionals. Morgan is also the author of “77 Tips for Preventing Elder Financial Abuse,” a book focused on helping caregivers protect the elderly from financial scams.

In addition to her writing skills, she brings real-world financial acumen thanks to her previous experience managing rental properties as part of a $34 million real estate portfolio.

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