Mexico Travel Insurance
31 states. Countless adventures. Make sure you’re covered for medical emergencies, baggage and personal belongings, and more.
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What’s the first thing that comes to mind when you think of Mexico? Sun-kissed beaches, delicious tacos, and a welcoming, friendly culture all come to mind for us. Travelers also come for the all-inclusive resorts, river kayaking, hiking to ancient Mayan ruins or simply as a stop on a cruise. Whatever your dream vacation looks like, Mexico is a place of endless adventure and rich culture.
- Do I need travel insurance for Mexico?
- Travel insurance for medical emergencies in Mexico
- Travel insurance for lost or stolen bags in Mexico
- Travel insurance for cancelled or delayed trips to Mexico
- Travel insurance for crime in Mexico
- Travel insurance for activities in Mexico
With this much diversity, you can bet we’ve seen all sorts of travel insurance claims from Canadians in Mexico. You’ve escaped the cold; make sure you’re prepared for the sun!
Do I need travel insurance for Mexico?
Your medical insurance back home may not work in Mexico and will not provide cover for such things as trip cancellation or trip interruption. World Nomads travel insurance plans provide protection against certain unexpected and unforeseeable circumstances that might disrupt your travel plans. While travel insurance isn’t required to enter Mexico, you’ll want to consider travel insurance to protect yourself against those unforeseen events like accidents, theft, bad weather and more.
Our travel insurance plans also include important travel, medical and security assistance services designed to provide you with assistance and guidance before and during your trip. Keep in mind that certain parts of Mexico are more dangerous than others. Before booking a ticket, make sure you are comfortable with the government-issued safety warnings. Drug-related crime can occur even in tourist destinations. As with all places, watch your surroundings and take extra precautions for your personal safety
Travel insurance for medical emergencies in Mexico
With a country as big as Mexico, the healthcare system can be different city-to-city, region-to-region and may not be what you are familiar with back home. In small clinics, you may have to give your provider cash or credit card payment before being seen by a medical professional. Large hospitals may also have policies and procedures in place that require upfront payment or payment guarantees. The 24/7 Emergency Assistance Team can help you navigate the process.
The best thing you can do to protect yourself against emergency medical expenses, is to have travel insurance for your trip to Mexico.
In a medical emergency, the first thing you should do (if you are medically able) is call the 24/7 Emergency Assistance Team. The team could help you find a reputable medical centre and could help organize the care you need. If you are unable to call until later, make sure you call us as soon possible.
A common ailment affecting travelers to Mexico are gastrointestinal disorders. In Mexico, travelers should not drink water straight from the tap without double checking that it’s been filtered. The same goes for ice in drinks. The water system is not the same as back home in Canada, and it could make you sick.
And, while many travelers recommend trying street food in Mexico, make sure you pick a cart that looks clean and doesn’t have food sitting out in the sun for too long. Simple common sense can save you a bad stomachache later on!
Get a quote, read your policy and give us a call if you have any questions.
Travel insurance for lost or stolen bags in Mexico
One of the common claims we get is for lost or stolen bags in Mexico. Whether the airline lost your luggage, or your purse was stolen on the beach, these things do happen. We’re not saying it’s any worse in Mexico than other places, but it is common.If the airline damages or loses your checked bags, the first step is to try and remedy the situation with them. If that fails, your travel insurance for Mexico may provide reimbursement. Make sure you obtain a report and a letter of coverage or denial from the transportation carrier as you will need these when you submit your claim to us. You will also need to submit receipts or sales slips for all items claimed under your baggage and personal effects coverage. You could be reimbursed for a change of clothes and basic toiletries until you are reunited with your stuff. If you have a snorkeling trip planned the next day (and you have a receipt to prove it), a new swimsuit could even be reimbursed.
If someone stole your bags in Mexico, the first step is to file a police report. Then, give the 24/7 Emergency Assistance Team a call. You could be reimbursed for your stolen bags and personal belongings, minus depreciation and up to your policy limits. Certain qualifying factors would have to have occurred, as well. For instance, you couldn’t have left your belongings alone by the pool or have been intoxicated when the theft took place. It’s always best to read your policy details to understand what you will and won’t be covered for.
Travel insurance for cancelled or delayed trips to Mexico
Sometimes your plans just don’t work out. Maybe a hurricane destroys your resort or a loved one back in Canada gets sick. World Nomads travel insurance plans include trip cancellation and trip interruption benefits that may provide reimbursement for your prepaid, non-refundable expense if you need to cancel or interrupt your trip. There are a variety of reasons why you might need to cancel or interrupt your trip to Mexico. Travel insurance does not cover everything. Your travel insurance for Mexico may help protect your travel expenses if you need to cancel or interrupt your trip for a covered reason.
Hurricane season starts in June and ends in October, but the most likely months for a big storm are in August and September. The Yucatan Peninsula is especially at risk, but hurricanes have hit Baja California on the Pacific side. Storms are hard to predict, so the best thing you can do is protect yourself with travel insurance in case an unexpected hurricane threatens your trip. If you bought your travel insurance policy prior to the storm developing into a major event (when the storm system first becomes classified as a hurricane), your travel insurance for Mexico may provide cancellation protection if you are unable to occupy your destination residence because of a natural disaster. If you find yourself in the bullseye of the storm, you should contact our 24/7 Emergency Assistance Team and the team can provide emergency travel assistance. You may also be eligible for trip interruption benefits.
Trip interruption and trip cancellation coverage can also help protect you in case of emergencies back home in Canada. If you need to cancel or interrupt your trip due to a covered reason such as a medical emergency or the death of an immediate family member, you may be eligible for reimbursement of your prepaid non-refundable (up to the policy limits) hotel expenses or airfare that you can no longer use. This benefit could especially come in handy for snowbirds or other long term stays in Mexico. Get a quote to see the price of your long- or short-term stay.
Travel insurance for crime in Mexico
Mexico is a beautiful place to visit year-around. However, there are certain cities and areas that you may want to reconsider visiting. Travelers worldwide are often targeted by criminals looking to take advantage of tourists who look out of place or are just in the wrong place at the wrong time. When in Mexico, be aware of your surroundings and stay away from areas known to have high crime.
We’ve written pretty extensively about various scams and common crimes in Mexico in our Destination Guide. It all comes down to avoiding bad areas, protecting your stuff and staying vigilant.
However, crime can happen at any time. If this happens to you, and you’re injured in the assault or become a victim of theft, seek assistance from the local authorities. If you need to seek medical attention, contact the 24/7 Emergency Assistance Team for help. You’ll need to get a police report from the police immediately or as soon as reasonably possible, and a written confirmation of the loss from the hotel manager, tour guide, or transportation authorities, where relevant. Need help deciding what to do? Call our 24/7 Emergency Assistance Team and our team will help you with emergency medical or travel assistance..
Travel insurance for activities in Mexico
Once you’ve done sampling those street vendor tacos, we’ve got you covered for more than 250 activities in Mexico, like snorkeling, kayaking and hiking. You’ll need to list out your planned activities when you are purchasing your policy for travel insurance for Mexico. Some activities will require an extra level of coverage, depending on the risk involved.
This is only a summary of coverage and does not include the full terms and conditions of the policy. It is important you read and understand your policy as it contains benefits, conditions, exclusions and pre-existing condition exclusions. If you do not understand your coverage, or if you have questions about your coverage, just ask us.
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Protect your hard earned vacation from unexpected cancellation.
- Explorer Plan: $5,000
- Standard Plan: $2,500
Trip Protection
- Unexpectedly hospitalized?
- Got into an accident?
- Travel companion sick?
We’ve got your back.
Emergency Medical Insurance
Take the pain out of medical or dental costs.
- Explorer Plan: $10 million
- Standard Plan: $5 million
Emergency Medical Insurance
- Need medication?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Evacuation & Repatriation
We’ll get you to hospital or home quickly.
- Explorer Plan: $500,000
- Standard Plan: $500,000
Emergency Evacuation & Repatriation
- Hurt abroad?
- Need to get to a hospital urgently?
- Medevac home?
Help starts here.
Protect your gear
Covers the theft, damage or delay of your bags, tech and sports gear.
- Explorer Plan: $3,000
- Standard Plan: $1,000
Protect your gear
- Video camera gone?
- Laptop lost?
- Sports gear stolen?
Help starts here.
- Emergency Medical Expenses
- Emergency Dental for Injury or Sickness
- Bedside Companion Travel and Subsistence
- Emergency Professional Services
- Emergency Evacuation and Repatriation
- Return of Travel Companion/Dependent Children
- Return to Your Trip Destination
- Return of Remains
- Travel Accident
- Flight Accident
- Trip Cancellation
- Trip Interruption
- Trip Delay
- Baggage and Personal Effects Theft or Damage
- Baggage and Sporting Equipment Delay
- Travel Documents Theft or Damage
- Sporting Equipment Theft or Loss by a Common Carrier
- Covered Adventure Sports listed in Policy
Assistance Services Included
- LiveTravelTM Emergency Assistance
- Worldwide Travel Assistance
- Adventure Travel Hotline
- 24/7 Security
- Travel Medical Assistance
- Bag Trak
24/7 emergency assistance
Whether you need medical or dental assistance or advice, emergency evacuation or travel assistance, our team are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Are you in need of emergency assistance right now?
Telephone +1 866 878 0192 (toll-free from Canada and the Continental U.S.) or +1 416 646 3723 (collect from anywhere else in the world)
Contact the team
Before your trip, check the latest government advice for any travel alerts for your destination.