Travel Insurance Mexico

Do You Need Travel Insurance for Mexico? (It Depends)

Are you thinking about whether to buy travel insurance for Mexico?

Honestly, there’s a lot of overly promotional marketing from travel insurance companies out there, so I decided to write a quick guide to help people figure out whether you really need to Mexico travel insurance or not.

Wait, who am I?

I’m an American travel blogger and digital nomad who loves traveling to Mexico and make several trips to the country each year. In fact, in 2018 I even lived there for six months.

I’m pretty careful about spending my money, so if you are like me you may be thinking:

Do I need travel insurance for Mexico?

The short answer is that it depends on your situation.

If you don’t already have coverage for high-risk activities or medical evacuation, it is probably worth getting Mexico travel insurance.

But not everyone really needs travel insurance for Mexico, so check out this full guide before deciding what’s best for you:

[affiliate disclosure: if you choose to make a purchase through my links, I may receive a small commission that helps to keep the lights on here]

Summary: The Best Mexico Travel Insurance

Don’t have time to read this full guide and just want to know my personal picks for the best Mexico travel insurance?

Here’s a quick summary of the companies I’ve personally used in my extensive travels around the world:

I found that the best travel insurance for Mexico, at least for me, was World Nomads, the same company I used to buy my annual worldwide travel insurance policy for my big trip around the world.

I like them a lot, as they have pretty good coverage and it’s easy to extend while you are in country if your plans change.

But you should always be sure to price compare:

Specifically, I suggest that you go to this search site if you want to instantly get comparison quotes from dozens of companies.

I get travel insurance primarily to protect against medical emergencies and evacuation. I am less worried about things like trip cancellation if my plans change, stolen luggage, etc.

But not everyone necessarily needs to bring travel insurance to Mexico at all (it isn’t a requirement to have travel insurance to get a visa or anything).

So read on to figure out if it’s worth a purchase in your circumstance.

Oh, one quick aside before we dive in: before you go to Mexico be sure to check out my 17 Insanely Useful Travel Tips for Mexico!

And you definitely won’t want to miss our 33 Top Things to do in Mexico.

A Basic Primer on When Mexico Travel Insurance Makes Sense (And When It Doesn’t)

Travel insurance to Mexico

Before talking about the best travel insurance for that Mexico trip of yours, it’s worth briefly discussing what insurance is and isn’t good for.

Insurance is a good deal if it helps guard you against a financial exigency that you couldn’t otherwise afford to cover if it occurred.

For example, it is generally a bad idea to buy insurance for household appliances like microwave ovens.


Well, if a microwave breaks you can probably afford to fix it. And since insurance companies build a profit margin into their premiums, you’ll be saving over the long term by just self-insuring for small risks like this.

On the other hand, brain surgery is probably something that you can’t afford to self-insure. If you suddenly need it, it could result in financial ruin. That’s why health insurance is generally advisable.

Ok, enough with the lecture: what does this have to do with buying travel insurance for Mexico?

Well, it means that you should probably not worry too much about certain types of insurance coverages that the insurers will try to sell you on.

For example, a lot of travel insurance companies will trumpet benefits like:

  • Lost luggage protection 
  • Flight delay and cancellation protection 
  • Theft and personal effects coverage 

But, you know what?

I think travel insurance is usually a raw deal for these things.

If a bag gets lost, it’s not going to result in financial ruin. If you have a delayed flight, it probably isn’t going to cost you much at all (and usually the airlines will help cover any incidental expenses).

Bottom line: I wouldn’t worry too much about having these coverages.

What you SHOULD be concerned about are risks that you can’t self-insure against. For travel to Mexico (or to Thailand, Nigeria, Georgia, or anywhere else for that matter), that probably means three things you should consider:

  • Emergency medical expenses 
  • Repatriation of remains 
  • Car Rental Insurance 

All of these things can be catastrophically expensive if you end up with a huge medical bill, liability for a car wreck, or if your family needs to repatriate your remains after a tragic incident.

These are the three things I personally look at when pricing out travel insurance for Mexico (or anywhere else).

Do You Already Have Travel Insurance for Mexico?

I generally think it’s advisable to have some insurance coverage for the sort of catastrophic losses I described above.

But in some circumstances, you may already have sufficient travel insurance for Mexico without knowing it.

Here are some questions to ask yourself to find out:

First, does your health insurance back home cover you in Mexico?

Many American health insurers exclude coverage when you are abroad, but in the past, I’ve had coverage that applied to Mexico. The best way to find out is to call your health insurance company and ask.

Second, do you have sufficient travel insurance coverage for Mexico through a credit card?

Some cards, like my Chase Sapphire Reserve card, provide limited travel insurance coverage that can help cover you for things like collision damage on an auto rental or some limited medical expenses.

Third, does your car insurance policy from back home cover rentals in Mexico?

Some do, some don’t. Again, best to call to find out.

You wouldn’t want to get hit with a big bill for dinging up a rental car on day trip to Celestun or Valladolid, Mexico.

If you have health insurance and car insurance that applies to Mexico, you may decide it doesn’t make sense to spend the money to bring travel insurance to Mexico.

Special Considerations for Buying Mexico Travel Insurance

Unlike some countries, Mexico does not list travel insurance as a requirement for entry for US citizens.

With that said, it may still be a good idea to bring travel insurance to Mexico depending on your circumstances.

Here are a few considerations to bear in mind:

  • Mexico effectively has two medical care systems: a higher-end private one and a public one.
  • The public healthcare system can be quite affordable and you may be eligible for it if you are planning to retire in Mexico on a resident visa. Read more info here.
  • If you’re just traveling to Mexico, be aware that, while health care costs are generally cheaper in Mexico, for serious incidents the cost of care can still be very expensive.
  • Car rental companies typically offer full coverage policies that you can buy separately if you just need coverage for your rental.

Why I Personally Chose to Buy Travel Insurance for Mexico

Travel Insurance Mexico
Me doing something weird with my arms in Valladolid Mexico 🙂

Ultimately, I decided to shell out for the peace of mind of travel insurance for Mexico.


Well, my health insurance won’t cover me in the event of a serious incident here and I frequently rent cars to take day trips from my base in Merida.

I simply decided that saving a few extra bucks wasn’t worth the life-altering risk of a catastrophic bill.

Fortunately, I found that World Nomads has quite reasonable prices for Mexico-specific travel insurance. I paid significantly less on a monthly basis for a policy than I did when I bought a multi-country policy the year before.

If you want to shop around for your own company, however, check out this nifty site that pulls quotes from dozens of companies.

If you want to check out how much it would cost to buy travel insurance for Mexico from World Nomads, you can price it out directly from this little widget:


One thing to note: unfortunately, World Nomads does not cover those over the age of 70.

Other than that, I’ve been happy with my experience with World Nomads and would certainly recommend them.

With that said, there are a bunch of travel insurance companies that will provide coverage for Mexico, so it may pay to shop around a bit. Just use the above quote widget to get a base price to inform your shopping so you don’t overpay!

FAQs About Bringing Travel Insurance to Mexico

Here are quick answers to some of the most commonly asked questions about Mexico travel insurance:

Is travel insurance mandatory for Mexico?

Mexico doesn’t require proof of travel insurance to enter the country, no. You will, however, need insurance if you plan to drive a car in Mexico.

Does health insurance cover you in Mexico?

Most likely not, but it depends on your health insurance company so you should call to check. Most US insurers do not provide coverage while you are abroad, which is a major reason to buy travel insurance.

How much is Mexican insurance?

Your travel insurance cost will depend on a number of factors, including your age and the length of your trip. In the past, travel insurance has cost me between $2 and $4 per day.

What is the best travel insurance?

The best travel insurance for Mexico depends on your situation. That’s why I suggest comparing policies using a search tool like this.


If you have any questions about finding travel insurance for Mexico, please just drop me a line in the comments! 

And, before you go, you definitely won’t want to miss checking out our 33 Top Things to do in Mexico!

2 thoughts on “Do You Need Travel Insurance for Mexico? (It Depends)”

  1. Hi Nate, your website is clear and helpful. We’re traveling to Mexico as a family of 4 (to an all inclusive) in April 2019. My husband’s company provides health insurance coverage while we’re abroad. We are also not renting a car because transportation is included in our package. Wondering, therefore, how necessary it is to purchase trip insurance. The only good reason that comes to mind is trip cancellation or interruption in the event that one of us becomes sick or injured before we go, but in that case I’m imagining it has to be something pretty serious. Can you please advise to whether or not you’d suggest we purchase insurance based on the above criteria? Many thanks, Anna

    1. Hi Anna! Glad the information could be of help. Ultimately the decision on whether or not to buy travel insurance has to be personal, since not buying by definition involves assuming some risks. As I mention in the article, I generally worry most about larger expenses like medical evacuation and what not. If you’re confident you’ll be covered in Mexico, that’s great. Personally, I didn’t in the past buy when I had medical insurance for abroad and when I wasn’t driving. It does leave some uncovered risks like theft, serious delay as you mention, and burglary (I got burglarized in Austin and didn’t have insurance)! But ultimately those are often smaller incidents, so it’s really a question of your risk tolerance. Lots of people don’t buy it and never need it; a very small handful don’t and do.

      Where are you going in Mexico? I’m jealous as I’ve been yearning to get back myself!


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