The Best Travel Insurance for Mexico in 2023
Are you traveling to Mexico? This post on the best travel insurance for Mexico will help you figure out how to choose the right insurance for you.
Because you do need travel insurance when you travel to Mexico or anywhere else!
That is why getting travel insurance should be on your pre-travel checklist!
You wouldn’t want a cancellation, medical emergency, or stolen luggage to ruin your vacation and decimate your holiday savings! In this post, I’ll cover everything you need to know to get the best travel insurance for Mexico.
Mexico is full of fascinating cultures, fun, expressive, and passionate people, delicious food, and intriguing traditions.
Even though Mexico is fairly safe and friendly, any time you’re traveling in a foreign country, you never quite know what will happen.
- Top 2 Best Mexico Travel Insurance Companies that I recommend
- Best Travel Insurance for Mexico Digital Nomads
- SafetyWing Nomad's Main Inclusions
- Trip Insurance coverage includes:
- SafetyWing Travel Insurance Company Special Features
- ► Unexpected Medical Expenses
- ► Flight Changes or Trip Cancellation
- ► Baggage Loss
- ► U.S. State Department Recommends It
- ► Protect Your Investment
- Is travel insurance legally required for Mexico travel?
- How much is travel insurance to Mexico?
- What isn’t covered by Mexico travel insurance policies?
- Can I use my U.S. health insurance in Mexico?
- Can I use my credit card travel insurance?
- Does travel insurance cover Covid quarantine?
- Why is travel insurance to Mexico so expensive?
- Do I need Mexico car insurance?
- 👉 Do I need travel insurance to travel to Mexico?
- 🚰 Can I drink tap water in Mexico?
- 🚗 Is it safe to drive in Mexico?
- 📱 Will my phone work in Mexico?
- 🤕 Is it safe to travel to Mexico right now?
- 💉 Do I need any vaccine to travel to Mexico?
- 🇲🇽 Do I need a visa to travel to Mexico?
- 💸 Where do I find the best travel deals for Mexico? 💸
You could get “Montezuma’s Revenge” from eating at the wrong restaurant, (or for just eating) need to return home early because of a family emergency, or have an accident.
Hopefully, none of these things will happen to you, but you’ll rest easier knowing you are prepared for anything life might throw your way!
That’s why it’s so important to get travel insurance, in case you need to stay in Mexico longer, or in case you must delay your trip.
It’s also important to have insurance to cover accidents, emergencies, or lost or stolen baggage.
You’ve probably saved up a lot for this special trip to Mexico! It makes sense to spend a little more in order to protect your investment.
Plus, you’ll give yourself a healthy dose of peace of mind as well! And you will enjoy your trip more.
Top 2 Best Mexico Travel Insurance Companies that I recommend
The three best Mexico travel insurance companies are SafetyWing, and TravelInsuranceMaster to compare different travel insurance companies.
I’ll talk about the advantages of each one, and the reasons you might choose a particular plan or company over another. Let’s dive in!
Best Travel Insurance for Mexico Digital Nomads
If you are a digital nomad living in Mexico, I think SafetyWing is your best bet! This is a favorite company for anyone who plans to stay (or live) in Mexico for a long period.
SafetyWing Mexico travel insurance policies start as low as 40 USD a month, which is an awesome deal!
SafetyWing meets the medical and travel needs of digital nomads.
SafetyWing Nomad’s Main Inclusions
This insurance covers unexpected illness and injury, including:
✔ Hospital bills
✔ Intensive Care
✔ Urgent Charges
✔ Physical Therapy/Chiropractor
✔ Emergency Dental
COVID-19 Coverage includes
✔10 days of Quarantine
✔ *If ordered in advance by a physician
Trip Insurance coverage includes:
✔ Trip Interruption
✔ Travel delay (accommodation)
✔ Lost check luggage
✔ Political evacuation
✔ Emergency medical evacuation coverage
✔ Personal liability
✔ Accidental death & dismemberment
SafetyWing Travel Insurance Company Special Features
✅ You can purchase SafetyWing insurance even after your trip has begun. This can come in handy if you have to change providers, or forgot to purchase a travel insurance policy.
✅ SafetyWing will cover you for 30 days in your home country (or 15 days if the United States is your home country). This is handy if you need to return briefly to your home country, experience travel delays, etc.
✅ SafetyWing will cover two children under the age of 10 in your policy free of charge.
✅ You can pay for a specific trip, or pay on a rolling month-to-month basis, subscription style. Choose whichever is the best way for you!
▼ Get a free quote from Safety Wing here ▼
Check out what else you need to pack for Mexico besides your travel insurance…
The Ultimate Packing List for Mexico
Wondering what to pack for your trip to Mexico? In this article, I am sharing the essential travel packing list for Mexico for every climate and season.
Best Mexico Travel Insurance for up to 69 ys old
If you are over sixty years old, consider Using Travel insurance Master as you can type your age in the form and the system will select all the insurances that will cover you.
Safety Wing also plans for up to 70 ys old
The safety wing nomad insurance also offers a plan for over 60s and below 70 starting from 150 USD per month.
The inclusions are the same described above.
▼ Get a free quote from Safety Wing here ▼
Silver Nomads Plan: Ages 70+
If you are seventy years old or older, the best option would be using the Travel Insurance Master because it gives you the option to include all your details and what you want to include in your insurance and the system will select those ones that have the plan you ask for among many different insurance companies.
So you can include trip cancellation, trip interruption, medical expenses, and baggage loss coverage. You’ve got plenty of adventure left in you yet!
Best Travel Health Insurance for Remote Companies
If you run a business out of Mexico with remote workers and want to include a benefits package, SafetyWing has a great option called Remote Health.
This plan is a fully equipped health insurance plan that lets you add all team members to the same plan, no matter where they live.
You can add and remove workers at any time, and give dynamic coverage depending on whether they are full-time, part-time or contract workers.
Prices go down as your company grows. You can choose optional add-ons such as dental, maternity, and vaccinations. They also offer 24/7 medical assistance should you need it. Pretty cool.
Best Mexico Travel Insurance Search Tool
Choosing the best Mexico travel insurance isn’t always easy. That’s why I recommend you use this great search tool, if the above option didn’t satisfy your needs.
Travel Insurance Master is an excellent way to check rates for multiple travel insurance companies at once. Answer a few straightforward questions, and the system will recommend the best ten providers to meet your specific needs.
▼ Click on the Banner to get a free insurance quote from TIM! ▼
5 reasons you should buy travel insurance for Mexico
There are lots of reasons why buying travel insurance is a good idea. Here are the top five reasons you should seriously consider purchasing Mexico travel insurance plans.
► Unexpected Medical Expenses
Medical emergencies are a big reason to get Mexico travel insurance plans. To receive good medical care in Mexico you will need to go to private hospitals and medical institutions and they are very expensive.
Without travel insurance, you’ll either have no coverage for the procedure or have to pay all your medical costs upfront and then submit a claim to your medical insurance company, if they cover that.
► Flight Changes or Trip Cancellation
If you need to cancel your trip, experience a travel delay, or need to change flights, travel insurance can help cover these costs.
Sometimes your travel insurance can help cover the cost of hotel rooms if your flight is canceled or your travel plans are thrown for a loop.
► Baggage Loss
If your baggage gets lost or stolen on your trip, that would be a big bummer! Some travel insurance plans can help cover the extra cost of recuperating or replacing stolen belongings.
► U.S. State Department Recommends It
If you have an emergency overseas, your embassy can help, but that help only goes so far!
The U.S. Embassy can connect you to local resources (such as getting you police contact numbers or recommending a medical facility), contact your family at home, and replace a stolen passport, but they DON’T pay for emergency evacuation (except in rare large-scale emergencies) or for your medical expenses.
► Protect Your Investment
Going on a trip is an investment. It’s an investment of money, but it’s also an investment in your happiness.
It can be hard to spend more money on something you aren’t sure you’ll need, but it would be really sad for a minor (or major) mishap to ruin your trip or make you lose all the money you’ve put into airfare, etc.
How to choose the best Travel Insurance for Mexico: tips
✔ Consider what type of coverage you want. Do you want the minimum possible? Do you want a bunch of add-ons? Would you like to include adventure sports not usually covered?
✔ Once you answer these questions, you’ll be better prepared to find the best travel insurance for your Mexico trip. Use the search tool to find the best plans.
✔ Get the full details before you buy. Read the fine print!
✔ Look for insurance well before your trip so you don’t feel stressed when making a choice.
Frequently Asked Questions
Is travel insurance legally required for Mexico travel?
With the advent of the COVID-19 pandemic, many countries now require visitors to have travel medical insurance coverage for their entire trip. But in Mexico, you don’t have to have it.
But regardless, having a travel insurance is just a way to get yourself out of trouble in case anything happens.
How much is travel insurance to Mexico?
Travel insurance to Mexico can cost anywhere from $40 USD per month to $160 or more for standard plans (no add-ons). It may cost more if you are a non-U.S. citizen.
What isn’t covered by Mexico travel insurance policies?
The coverage varies by company, but in general, most companies do not cover pre-existing medical conditions, cancer, very extreme sports, medical checkups, planned procedures, and that kind of thing. It is primarily for emergencies, unexpected events, and incidentals.
Can I use my U.S. health insurance in Mexico?
This is a common question among U.S. residents, and the answer is: “It depends.”
You cannot use Medicare in Mexico unless you purchase a plan with additional coverage (such as Medicare Advantage or Medigap).
You must contact your health insurance provider in order to find out whether your specific plan will cover medical treatment while you’re traveling in Mexico.
If they offer some coverage, it’s important to ask what the specifics and limitations are. Ask for the fine print so you can decide if purchasing additional travel insurance is the best option.
Find out if you would have to pay for any procedures out of pocket and then submit a claim.
Ask if they can get you a “Guarantee of Payment” certificate if you need one. An insurance company issues A Guarantee of Payment certificate to a hospital or other medical provider.
They provide it as proof that the hospital won’t get stuck with your bills.
One difficulty of getting your insurance company in the U.S. to cover bills while in Mexico is because the expense must be properly coded according to the United States system.
Often, Mexican hospitals aren’t sure how to describe or code the procedure properly. This can be a problem and mean you aren’t reimbursed for expenses.
Can I use my credit card travel insurance?
Most credit cards in the USA offer travel insurance but the kind of coverage really varies. So the best option is to contact them and make sure all the most important case scenarios are covered.
Does travel insurance cover Covid quarantine?
Some travel insurance companies cover COVID quarantines.
In this post, we talked about SafetyWing. This company covers up to 10 days of quarantine-related expenses.
Why is travel insurance to Mexico so expensive?
Travel insurance rates vary a lot depending on your home country and how long you’ll be traveling, your age, and other risk factors.
The longer your trip, the more likely it is that something will happen.
International travel always comes with some risks. You may also be more likely to encounter viruses you aren’t immune to, like dengue fever, or to have some of your belongings get lost or stolen.
If you plan to take part in adventure sports, you might incur some extra costs to get medical coverage.
Travel insurance will also be more expensive if you want the benefit of a CFAR claim.
CFAR benefits (Cancel for any reason) mean that you’ll get a partial refund no matter why you cancel a trip, even for reasons not normally covered by travel insurance.
The good news is that you can often find travel insurance coverage at an affordable price. On average, travel insurance will cost 5% to 6% of your total trip cost.
Do I need Mexico car insurance?
If you are planning to drive in Mexico, then yes, you do need car insurance! It is usually best to get car insurance directly from the company you are renting from.
I recommend using Discover Cars. This is a great company, and they have their full coverage car insurance.
Or you can just use it to book the car with the least expensive car rentals and then buy the full coverage directly with them.
Although some travelers want to use their credit card insurance, you should make sure they really offer full coverage and check with the card company before making any decision. In any case, keep in mind that the car rental insurance provided by the credit card will always provide a refund for any damages afterward, when applicable. You will have to anticipate the money upfront.
Read my post about renting a car in Mexico for more information.
Discover Cars Mexico Review
Browse through international and local car rentals and find the best deal.
Is Mexico open for travel right now?
Absolutely! Mexico is open for travel and has always been.
Visitors are not required to provide negative COVID-19 tests. However, you might have to go through some health screening and temperature checks at the airport.
Is it safe to travel to Mexico right now?
There are two things to consider when it comes to safety: Covid-19, and crime.
Tour operators are taking safety precautions.
The Mexican government uses a stop light system to track COVID-19 cases. The traffic lights influence current restrictions in each state.
Red – This means there are a high number of cases and there could be a lot of travel restrictions. Some attractions, museums, beaches, bars, and restaurants may not be open.
Orange – This means that cases are still pretty high, so there may be restrictions in place. This could include limited occupancy in tourist sites and restaurants, required social distancing, and possibly city-wide curfews.
Yellow– This means there are still a moderate number of cases. There are not likely to be many restrictions in effect, but you should still use some caution.
Green – You’re in the clear! Everything should be open and operating as normal.
At the time I am writing this everything seems pretty much in the green area! so you are good to go!
Some areas of Mexico have high rates of crime. Petty theft, robbery, and scams are the most common things to affect tourists.
I have an entire blog post filled with tips on how to stay safe in Mexico.
Best Travel Insurance for Mexico: final thoughts
The best travel insurance for long trips to Mexico is the SafetyWing Nomad plan. It’s simple, straightforward, and affordable!
If you are over 60 and don’t plan to stay in Mexico long-term, the SafetyWing Nomad plan is a great choice.
And if you are over 69 you should check on Travel Insurance Master for your best options.
No matter what option you choose, pat yourself on the back. Getting travel insurance for your trip is always going to be a win!
✨ Mexico Travel Planning Guide ✨
👉 Do I need travel insurance to travel to Mexico?
I would do it if I were you. You never know what can happen and know that no matter what, you will be covered with any expenses will give you peace of mind, and make your travel worry-free. You can check out SafetyWing which I have used and find it affordable and comprehensive and also Travel Insurance Master which is great because you can insert all your information and what kind of insurance you need and their system will pull out the best insurance for your need.
🚰 Can I drink tap water in Mexico?
No, you can’t! Maybe in some areas or in some homes where they have installed water filters but to be on the safe side, I would say, never drink tap water in Mexico. Carry a water bottle with you and fill it up where you find available potable water sources. Most of the hotels have those.
🚗 Is it safe to drive in Mexico?
The short answer is: depending on where you are. Although in general if you stick to the main roads and don’t drive at night you should probably be safe. In lesser tourist areas you should probably check the local news to stay up to date. Driving in the Yucatan Peninsula is easy everywhere, even at night, although I would still avoid it. I recommend Discover Cars because the site offers the option to compare prices among different car rentals and you can add their own full coverage.
Read more on my guide on Renting a car in Mexico.
📱 Will my phone work in Mexico?
It will probably work, especially if you have a European or US phone, but your roaming rates may be to the stars (check with your SIM provider). Even if have an affordable international rate, you will be much better off by buying a Mexican SIM Card. It’s cheap, easy to set up, and it will keep you connected with your friends, family, and, more important, google Maps so you will never get lost!
🤕 Is it safe to travel to Mexico right now?
The short answer is, yes it is. However, there are parts of Mexico that are indeed troubled and you should avoid for now, and others that are super safe and easy to travel around.
Regardless of where you are you should always use some common sense rules such as, never flaunting expensive clothing, accessories, electronics, or money and keeping a low profile.
Read more on my detailed guide on safety in Mexico. If you are traveling to a specific destination I have got you covered as well:
💉 Do I need any vaccine to travel to Mexico?
No, there is no vaccine requirement (of any kind) to travel to Mexico
🇲🇽 Do I need a visa to travel to Mexico?
If you are coming from the US or Europe you don’t need a VISA to enter Mexico. Once you get in you need to fill out a form that you need to keep with you until you leave. If you don’t have it you will pay a fine.
Although the tourist visa for US and European travelers used to be 6 months long which you could easily renew by leaving the country for a couple of days and going back, nowadays they have been stricter. You may be asked how you would sustain your living and other similar questions. Sometimes they even ask you to show your credit cards.
It seems odd but they can do that. If you intend to stay longer than a usual couple of weeks’ vacation time, just be honest and explain your plans. If you are not from the US, check this site to see if you need a visa
💸 Where do I find the best travel deals for Mexico? 💸
A trip to Mexico can be expensive if you love to travel with all the comforts (like I do). There are a few tricks that will help you find the best deals. Here are my tips:
👉 DON’T travel in the high season, which is Holy week, Christmas and winter in general, and August.
👉 Book months in advance to find early booking discounts
👉 Use aggregators such as Discover Cars to find price comparisons and VRBO for vacation rentals!
👉 Look for packages flights+hotels on Expedia.
👉 Check on Booking.com or Hotels.com for hotel deals
Isabella, author, editor, and founder
A passionate traveler and photographer, in love with life and adventures, Isabella is the founder and editor of Letstraveltomexico where she shares her love for Mexico, a fascinating country that she’s proud to call home. When she’s not exploring a new place you will find Isabella in a cafe, writing on this blog, or on her other sites Boundless Roads, Mexico Cenotes and Ruins and Letstraveltocancun.com where she loves to share her travels on and off the beaten path in Mexico and around the world.