The author of the travel insurance Mexico guide, Nate Hake, on a beach in Mexico

Mexico Travel Insurance (5 Best Sites to Search in 2023)

Mexico does not require travel insurance for tourists to enter the country. However, I personally always get it (more on why below). In this post I’ll share the 5 sites I would search to find the best travel insurance for Mexico.

Best Sites to Search | Requirements | Why I Buy Insurance | Safety Tips | Methodology | FAQ

Disclaimers: We are not insurance brokers. This post is for informational purposes only and is not insurance advice. Links on this page are affiliate links. Using them supports this independent blog with a small commission. See our Advertising Policy for further explanation. Thank you!

I travel and write about Mexico a lot. Both readers and journalists reach out to ask me about Mexico travel insurance. This guide is my attempt to explain how I personally approach travel insurance when visiting Mexico (spoiler alert: my current top suggested site for Mexico is VisitorsCoverage, as it is great for shorter vacations and trips).

Best Sites for Mexico Travel Insurance Quotes

#1 for Mexico
Comparison Site
For Digital Nomads
Description:

Tends to find the cheapest quotes for Mexico (especially for shorter trips to Mexico). Can search either travel medical insurance or trip insurance. Great if you only need one!

Description:

A great search engine to fetch quotes from hundreds of insurance companies in just 1 minute. The intuitive interface is perfect for comparing policies & quotes.

Description:

Affordable medical cover targeted at digital nomads who want recurring subscription-style coverage. Focused on medical coverage, not full travel insurance.

Pros:
  • Super easy to customize your coverage in Mexico
  • Often cheapest
  • Best for short trips to Mexico
Pros:
  • Compares hundreds of insurers in one click
  • Easy to see customer reviews
  • Filters to search for CFAR & Covid-19 coverages
Pros:
  • Custom built for digital nomads
  • Cheap monthly travel medical insurance
Cons:
  • Cheapest isn't always best (read terms & conditions before buying!)
Cons:
  • All the information can be overwhelming
Cons:
  • Only medical, NOT trip insurance
  • Really only meant for nomads/remote workers
#1 for Mexico
Description:

Tends to find the cheapest quotes for Mexico (especially for shorter trips to Mexico). Can search either travel medical insurance or trip insurance. Great if you only need one!

Pros:
  • Super easy to customize your coverage in Mexico
  • Often cheapest
  • Best for short trips to Mexico
Cons:
  • Cheapest isn't always best (read terms & conditions before buying!)
Comparison Site
Description:

A great search engine to fetch quotes from hundreds of insurance companies in just 1 minute. The intuitive interface is perfect for comparing policies & quotes.

Pros:
  • Compares hundreds of insurers in one click
  • Easy to see customer reviews
  • Filters to search for CFAR & Covid-19 coverages
Cons:
  • All the information can be overwhelming
For Digital Nomads
Description:

Affordable medical cover targeted at digital nomads who want recurring subscription-style coverage. Focused on medical coverage, not full travel insurance.

Pros:
  • Custom built for digital nomads
  • Cheap monthly travel medical insurance
Cons:
  • Only medical, NOT trip insurance
  • Really only meant for nomads/remote workers

Before we do a deep dive, here’s a quick summary of the 5 Mexico travel and health insurance sites examined in detail below:

VisitorsCoverage (#1 Overall for Mexico)

Comparison Site
VisitorsCoverage
4.7

I love that VisitorsCoverage lets you compare quotes for either travel medical insurance or trip insurance. They are different things, so it's great if you only want one!

Pros:
  • Super easy to customize your coverage in Mexico
  • Quotes tend to be cheaper
Cons:
  • So many options & choices may be overwhelming
Get Quotes

If I had to pick just one place to compare quotes for Mexico travel insurance in 2023, it would be VisitorsCoverage.

Why? Well, in my experience pulling dozens of quotes, VisitorsCoverage tends to find the cheapest and best coverages for shorter trips. Since most visitors to Mexico are coming to the USA for 3-5 day trips, I decided to rank it as the best travel insurance site for Mexico specifically.

Note that for other farther away countries, where trip length tends to be longer, I think TravelInsurance.com tends to find better options than VisitorsCoverage. But honestly, they are neck and neck. It’s definitely worth searching both!

I like that VisitorsCoverage lets you get a quote for either travel health insurance or for trip insurance. A quick explainer on what I mean by that:

Travel health insurance is geared at those looking for health coverage in case of an emergency while they are in Mexico. For reasons I explain below, this is the part of travel insurance that I personally focus on. Trip coverage, by contrast, tends to focus on covering risks like theft, lost baggage, trip delay, and other (non-medical) things that might go wrong while traveling.

With VisitorsCoverage, it’s easy to choose which one you care about — and to avoid paying for extra coverages you don’t want! Plus, they have 4.7 star customer rating on TrustPilot, which is excellent for an insurance company.

TravelInsurance.com (Insurance Comparison Site)

#1 Comparison Site
Travel Insurance.com
4.7

This fantastic search engine fetches quotes from hundreds of insurance companies in just one minute. The intuitive interface is perfect for comparing policies & quotes.

Pros:
  • Compares hundreds of insurers in one click
  • Easy to see customer reviews
  • Filters to search for CFAR & Covid-19 coverages
Get Quotes

TravelInsurance.com is another travel insurance comparison site that lets you pull quotes from hundreds (or even thousands) of insurers at once. If you really want to dig into your coverages, deductibles, exclusions, and other details of the policies — this is the site to explore all that information in depth.

I do really like the filters on this site. It’s easy to narrow your search to only policies that cover covid-19, for example. You can also use it to easily find CFAR coverage (more on that below).

Genki (Digital Nomad Health Insurance)

For Digital Nomads
Genki

Genki provides extremely affordable medical cover for longer stays. It's really targeted at digital nomads who want health cover as a recurring subscription.

Stars:
4.5
Pros:
  • Affordable monthly medical coverage
  • Simple claims process
Cons:
  • Only medical - not full travel insurance (no gear, theft, or trip delay coverages)
Get Quotes

Genki is a new company that I started using for my own travel medical insurance. They focus solely on offering travel medical insurance for digital nomads, remote workers, and other long term travelers in Mexico and elsewhere. This means that Genki does not sell coverages for things like trip delays, trip cancellation, or theft.

Genki works on a monthly subscription model. It’s great if you’re trying the digital nomad life and need travel health insurance while you are abroad. If you are a tourist looking for traditional travel insurance, it may not be what you’re looking for.

Insure My Trip (Best for Finding Insurance for Seniors)

Best for Seniors 70+
Insure My Trip
3.9

This is the site that seems to return the most quotes for customers who can't find one elsewhere due to age or pre-existing conditions.

Pros:
  • Usually finds quotes for seniors even when other sites won't offer anything past a certain age
  • Also finds quotes for pre-existing conditions
Cons:
  • No clearly displayed info about Covid coverages
  • Clunky user experience
Get Quotes

One significant downside to many of the Mexico travel insurance companies on this list is that most have age limits. That can be tough if you are over the age of 65. In my experience, Insure My Trip tends to find more policies that cover the senior age group.

Insure My Trip is also the best site to find insurance for Mexico if you have a pre-existing condition.

Aardy (Insurance Comparison Site)

The final site I personally search is Aardy, which is another insurance comparison site that will pull quotes from hundreds of insurers. It is not my favorite travel insurance comparison site, to be honest, because it’s a little clunky to use. In particular, I don’t like that you have to enter an email just to get a quote. Still, if none of the other options above work for you, you might try searching here.

Mexico Travel Insurance Requirements

Man sitting at Chichen Itza Mayan ruins
Just me trying to look cool for Instagram at Chichen Itza 🙂

As of 2022, there is no legal requirement to purchase travel insurance in order to visit Mexico. No one will ask you to show proof of insurance at the border, and the Mexican government does not mandate travelers to have insurance. Many travelers nonetheless choose to buy it.

Obviously, covid-19 is a big reason travelers get insured. The New York Times recently ran an expose entitled “A Traveler’s Worst Nightmare: When Your Covid-19 Test Comes Back Positive,” which includes several truly tragic stories about travelers to Mexico getting caught unprepared.

No wonder then that, since the start of the pandemic, surveys show that 3x as many travelers are buying insurance as before the pandemic. Many in the industry are now calling travel insurance the “must have purchase” for travel in the 2020s.

Here are popular reasons many travelers – including myself – choose to buy travel insurance for Mexico:

  • ✈️ Trip Cancellation Protection – if covid strikes before a trip, if an airline cancels a flight, or if Mexico locks down, trip cancellation insurance could come in handy if you purchased the trip cancellation coverage that applies to your situation.
  • 🎫 Trip Interruption Benefits – even if you manage to get to Mexico, your trip could be interrupted while you are there. If it’s for a reason covered by trip interruption coverage, you’ll be glad you opted for insurance.
  • 💉 Emergency Medical Coverage – a sad reality is that many travelers end up in hospitals in Mexico, only to find out that their USA medical policies won’t cover them. Emergency medical expenses can add up fast.
  • 🚗 Rental Car Protection – I love driving in Mexico, but I worry about car accidents. As discussed below, they are the #1 cause of death for Americans abroad.
  • 🚁 Emergency Evacuation – A scary one to think about, but if you need to get evacuated from Mexico, it could cost hundreds of thousands of dollars. For this reason, I always pay attention to the medical evacuation coverage in the policy terms.
  • 💻 Gear Theft Protection – Cameras, laptops, cell phones. Petty crime in Mexico is real, and all those pricey items on your Mexico packing list make tempting targets.

Those are some of the most common coverages, but every policy differs, so read the terms carefully!

I personally almost always get travel insurance, primarily to protect against medical emergencies and evacuation. But not everyone necessarily needs to bring travel insurance to Mexico (it is not a legal requirement to have travel insurance to travel to Mexico).

So read on if you really want to dive in and figure out if it’s worth a purchase in your circumstance.

How to Find Cancel for Any Reason Coverage (CFAR) for Mexico

Travel insurance policies only cover the risks in the contract. Most policies will not cover you if you decide to cancel a trip because of fear of covid-19, an outbreak in your destination, or because of restrictions that ruin the point of your trip (I mean, who wants to go to Mexico City when bars, restaurants, and museums are closed because its stoplight is red?).

If you’re worried about these risks, you might look into what’s called “cancel for any reason” or “CFAR” coverage. Though it depends on the specific policy, you can usually make a CFAR claim for non refundable trip expenses for, well, any reason. Of course, it tends to be more significantly expensive, which is why I don’t personally use CFAR coverage.

If you do want CFAR coverage for your Mexico trip (perhaps because you have a lot of non refundable trip expenses), then note that TravelInsurance.com conveniently lets you filter your search results to include only CFAR policies. Here’s a screenshot of how to do that:

Screenshot of a travel insurance booking portal with the option to filter for CFAR policies
TravelInsurance.com conveniently lets you filter for cancel for any reason policies

Why I Buy Trip Insurance (And How I Compare)

Reason 1: Medical Coverage

A man on a safe street in Mexico
Me being silly in Valladolid, Mexico (my favorite place to visit!)

The main reason I personally buy Mexico travel insurance is for the travel medical insurance and the evacuation coverage.

This isn’t medical or insurance advice (I’m not qualified to give that), but here’s my personal thinking on the subject of travel medical insurance:

Insurance is a generally good deal if it protects against a financial exigency. For example, it is generally a bad deal over the long run to buy insurance for microwaves. If a microwave breaks you can 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, a visit to a Mexican Emergency Room is probably something that I can’t afford to self-insure and could even result in financial ruin. The same reasoning applies if I hire a car rental in Mexico, crash it, and don’t have car rental insurance. Or if I pass away (dark, I know, but it happens) and my estate can’t afford repatriation of remains to my family back in the United States.

Medical expenses are a serious consideration, and emergency medical coverage is still my main focus when I compare shop travel insurance coverage. That was true before the pandemic, but it’s even more so now.

Reason 2: Automobile Crashes Are Very Common in Mexico

I LOVE driving in Mexico. A rental car gives you so much freedom, and it’s a great way to explore all the many fun places to visit in Mexico.

But guess what?

Auto accidents while abroad are very common. According to the United States Department of State’s database on American deaths abroad, the most common cause for traveler deaths abroad isn’t terrorism or murder or even covid – it’s the common car crash.

That 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.

That’s why you should never drink and drive in Mexico and you should always buckle up, even on vacation and even in taxis or tour buses. And it’s why travel medical insurance, repatriation of remains coverage, and car rental insurance are the three things I personally look at when pricing out travel insurance for Mexico (or anywhere else).

Mexico Safety Tips

Cenote Suytun Mexico
Me at the famous Cenote Suytun near Valladolid, Mexico

Understand Mexico’s Covid-19 Situation and “Stoplight” System

Mexico has been hard hit by coronavirus. The country currently ranks 5th in the world for covid-19 deaths. Mexico also lags behind in vaccination rates, with over one-third of the country unvaccinated.

Mexico has a 4-tier “stoplight” system for restrictions (I know, stoplights only have 3 lights, but whatever). You can see what color the state you are visiting is using this map. The stoplight color is supposed to guide the extent of restrictions locally. I say “supposed to” because in my experience each Mexican state tends to go their own way.

If you do choose to visit Mexico during the pandemic, make sure to do so responsibly and follow all public health recommendations. If nothing else, do it for your own benefit.

I recently had a vaccinated Australian friend visit me in Puerto Vallarta. Like many other travelers during the Omicron wave, he tested positive in Mexico and then had to shell out for an expensive hotel to quarantine in. Thankfully, my friend’s insurer helped defray the costs, but it was still a nightmare situation for him, and one you want to avoid.

Crime and Safety in Mexico

Mexico gets a bad rap in the news. With millions of visitors every year, it’s inevitable that bad things happen. And when they do, the media tends to grab on.

Nonetheless, it’s undeniable that gang and cartel violence has afflicted many parts of Mexico, including popular tourist destinations like Cancun and Acapulco. See our articles on Mexico travel safety. And always check the US State Department and UK FCDO sites for info on the latest travel warnings for Mexico.

You can also read our guides to safety in Tulum, safety in Playa del Carmen, and safety in Mexico City.

Mexico’s 2-Tier Medical System

Mexico effectively has two medical care systems: the public one and a private one for those with their own health insurance. The public healthcare system can be quite affordable and you may be eligible for public medical insurance if you are planning to retire in Mexico on a resident visa. Read more info here.

If you’re just visiting Mexico, be aware that, while healthcare costs are generally cheaper in Mexico, for serious incidents the cost of healthcare can still be very expensive.

Renting a Car in Mexico

A car on a road in Mexico
Valladolid, Mexico

Car rental companies typically offer full coverage policies that you can buy separately if you just need coverage for your rental (I suggest renting through Discover Car Hire, by the way, as some local operators are known to run scams).

See my full guide to renting a car in Mexico for more information.

Extreme Sports in Mexico

Many of the best things to do in Mexico – like scuba diving in Cabo San Lucas, parasailing in Puerto Vallarta, or ATVing in Playa del Carmen – are classified as extreme sports for insurance coverage purposes. When I plan to participate in these, I always look for a comprehensive plan covering these specifically (if it’s not explicitly covered, it’s usually excluded).

PS – Check out my best Mexico travel tips for more helpful tips!

Know Your Embassy Locations

When traveling in any foreign country, it’s always a good idea to have the contact information for your nearest embassy or consulate.

Here are the locations of the US embassy in Mexico City and the consulates around the country:

  • Mexico City US Embassy – Paseo de la Reforma 305, Colonia Cuauhtemoc, 06500 Mexico, CDMX (+52 55 5080 2000)
  • Ciudad Juarez US Consulate – Paseo de la Victoria #3650, Fracc. Partido Senecú, Ciudad Juarez, Chihuahau, Mexico, C.P. 32543 (+52 656 227 3000)
  • Guadalajara US Consulate – C. Progreso 175, Col Americana, Americana, 44100 Guadalajara, Jal., Mexico (+52 338 526 1444)
  • Hermosillo US Consulate – Monterrey, Esqueda 141, El Centenario, 83260 Hermosillo, Son., Mexico (+52 662 289 3500)
  • Matamoros US Consulate – Calle Constitución No. 1, Colonia Jardín, Matamoros, Tamaulipas 87330 (+52 868-208-2000)
  • Merida US Consulate – Calle 60 No. 338-K x 29 y 31, Col. Alcala Martin Merida, Yucatan, Mexico 97050 (+52 999-942-5700)
  • Monterrey US Consulate – Ave. Alfonso Reyes #150, Col. Valle del Poniente, Santa Catarina, Nuevo Leon, Mexico 66196 (+51 81 8047 3100)
  • Nogales US Consulate – Calle Alejandria S/N, Los Alamos, 84065 Nogales, Son., Mexico (+52 631 311 8150)
  • Nuevo Laredo US Consulate – Paseo Colon 1901, Colonia Madero, Nuevo Laredo, Tamaulipas 88360 (+52 867 714 0512)
  • Tijuana US Consulate – Paseo de las Culturas s/n, Mesa de Otay, Delegación Centenario C.P. 22425, Tijuana Baja California (+52 664 977 2000)

Locations of the British embassies can be found here, and Canadians can find their embassy here.

Why Trust Us & Our Methodology

About Nate Hake: I’m a travel blogger, recovering lawyer, and full-time world traveler for over 6 years. I visit Mexico several times per year to review the newest hotels in Tulum, Puerto Vallarta, Mexico City, and around the country. I’m proud that my site Travel Lemming is among the most popular Mexico travel blogs on the Internet. Helping travelers enjoy Mexico is what I do for a living now. It’s so much more fun than legal work.

Methodology: While this list is subjective, it is based on personal experience. I have personally traveled to Mexico dozens of times and bought many policies from companies on this list (here is my latest purchase). When it comes to travel insurance Mexico isn’t all that different than other countries, so I focus my efforts on assessing the factors I believe matter most: transparency, ease of use, and customer reviews from policyholders who have had to actually file a claim.

FAQs About Insurance for Mexico Trips

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

Is travel insurance mandatory for Mexico?

Mexico does not require proof of travel insurance to enter the country. Tourists do need insurance if they plan to drive a car in Mexico, and will likely have to pay out of pocket for medical expenses should they need to access the Mexico healthcare system.

Will my health insurance cover me in Mexico?

Most US health insurers do not provide coverage for insureds traveling in Mexico, but it depends on the health insurance company so it is advisable to call the insurer and confirm. The lack of medical coverage in Mexico is a major reason many tourists buy travel insurance for trips to Mexico.

How much is travel insurance in Mexico?

The cost of travel insurance in Mexico depends on a number of factors, including your age and the length of your trip. In the past, travel insurance has personally cost me between $2 and $4 per day of my trip. Search our top sites to see specific rates for your trip.

Where can I compare Mexico travel insurance quotes?

You can compare insurance quotes by searching any of our top 6 Mexico travel insurance sites.

Should I buy travel insurance for Mexico?

Ultimately, it’s your choice and a question of your risk tolerance. While I do think travel insurance is often overpriced, I choose to play it safe and be insured for all the reasons I explain in this article.

What is the best Mexico travel insurance?

The best travel insurance for Mexico from the United States (or anywhere else) depends on your situation and your risk tolerance. That’s why I suggest comparing Mexico travel insurance quotes using one of our top recommended sites.

Does US health insurance work in Mexico?

Most United States health insurance providers do not cover travel overseas, including to Mexico, but you should check with your carrier to be sure.

Why is travel insurance to Mexico so expensive?

Insurance covers risk, including catastrophic risk, so that means it can be expensive. It is possible to find cheap Mexico travel insurance, but it is always best to determine if the cost savings are worth the difference in coverages.

***

When it comes to travel insurance Mexico isn’t that different than other countries. Anytime I travel abroad, I assess my risk tolerance and almost always decide insurance is worth it. Ultimately, whether or not to insure your Mexico trip is really up to you though.

Oh, and if you travel frequently, can also read my other travel insurance guides:

Whatever Mexico travel insurance plan you choose, I hope you enjoy visiting Mexico. Be sure to stay safe!

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7 Comments

  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!

      Cheers,
      Nate

  2. Thank you for sharing valuable information about travel insurance in Mexico this is good information and helpful to everyone.

  3. Thank you Nate for the valuable information. I have compared the quotes and found that there is category called primary and secondary for medical coverage. I think we should go with the primary coverage right? I am actually for a travel insurance that covers COVID-19 during my stay in Mexico. Could you please suggest something? Does WorldNomad covers pandemic?

    Thanks,

    1. Hi Muralidhar, you’ll need to closely read the specific terms of the policy to see what it covers. World Nomads has different policies depending upon your country, but I believe that during checkout there should be a notification that highlights what is and isn’t covered in terms of covid. Regarding primary versus secondary coverage, that comes into play if you already have primary medical coverage that might apply, so you’d want to check with your health insurer to see if they will act as your primary. I hope that helps! Enjoy Mexico!

  4. Nate,
    Your article saved me a lot of time and money. Headed to Cancun and Tulum, maybe Belize etc. So I went with Aardy.com which I know was your least favorite but it worked for me. Ended up choosing Trawick Voyager which is a primary medical insurance and included auto at 35k. All of the covered items were at much higher amount than most of the others and typically at a lower rate!
    The insurance was about 10% cheaper through Aardy.com than from Trawick themselves..anyway, major Hooah on the article..really helped !
    TCates

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