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Travel insurance when visiting Mexico

31 states. Countless adventures. Make sure you’re covered for medical emergencies, baggage and personal belongings, and more.

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Covering a vast area, Mexico is a country of diversity. With lush rainforests, pristine beaches, a fascinating cultural history and one of the finest culinary traditions in the world, it offers a variety of experiences for the adventurous traveler.

Travel insurance may offer cover for:

Trip cancellation and interruption coverage
Delayed or lost baggage
Stolen personal effects
Overseas urgent or emergency medical expenses
Cover for activities and sports when in Mexico

colourful street in Mexico — Colorful alley in San Miguel de Allende. Photo credit: Getty images / Marco Bottigelli

Travel insurance isn’t an essential requirement for Brazilians to enter Mexico, but let’s face it, in this life anything can happen, especially if you’re away from home! You may find yourself surfing the perfect beach or hiking a tropical jungle far away from an urban center when you suffer an accident. At moments like this, having insurance helps.

But it’s not just the more adventurous situations that mean insurance is a good idea. The airline may misplace your baggage, or a dodgy enchilada may play tricks with your tummy, requiring a visit to the doctor, so it’s always a good idea to have coverage.

Depending on what you plan on doing during your trip, you should read through the different policies available, along with their terms and conditions, and decide which one is right for you. We offer Standard, Explorer and Explorer Plus options depending upon how far from the beaten path you intend to go.

So, when packing your bags to go exploring Mexico, popping in some travel insurance along with your sunscreen may be a good idea.

Trip cancellation and interruption coverage

It can be so disappointing to have everything ready with your bags by the door, just waiting to get going, only for something unexpected to put it all on hold. And this can be even more upsetting if you’ve already paid for accommodation, excursions and transportation. World Nomads may be able to help you recover some of these nonrefundable, prepaid expenses if the reason for your cancellation is covered.

The same can be true if something unexpected happens to cut short your trip, meaning you have to go home early. If this happens, and if the reasons are covered, you may be reimbursed for the costs of booking early flights home and other nonrefundable, prepaid trip costs that you weren’t able to use.

Beach in Tulum — Mayan ruins on a cliff face. Photo credit: Getty images / Matteo Colombo

What sorts of things could happen in Mexico?

Delayed or lost baggage

Airline companies promise to transport our bags safely and deliver them upon arrival at our destination. But we all know it doesn’t always work out like that! If your bags are lost whilst entrusted to the transport operator, your policy may cover the cost of the loss not covered by that company.

You should contact your airline or other transportation provider as soon as you realize that a bag is missing and complete all the proper paperwork. With your P.I.R. (Property Irregularity Report) in hand, our assistance team can liaise with the transport operator for them to locate and return your baggage as soon as possible. With all this in place, you will be well on your way to getting the problem resolved and carrying on with your vacation.

Also, even if your baggage is only delayed by 12 hours or more, facing the hustle and bustle of Mexico City without any personal items could be frustrating. That’s why our travel insurance may be able to provide you with reimbursement for the essentials while things get sorted out.

Stolen personal effects

Mexican handicrafts are famous the world over and the best place to pick up a bargain is at flea markets or tianguis as they are known. But these tourist attractions unfortunately also attract thieves, so you’ll need to be very careful as you browse. If you find that your passport, wallet or documents have been stolen, even if you have been paying attention, your insurance policy may be able to help.

World Nomads can put you in touch with the correct local authorities and liaise with your family in Brazil to make sure that funds are wired as soon as possible. That way you won’t be left stranded, but you should read your policy carefully to check which items and documents are covered.

A couple in a historial town in Mexico — A street in a historial town. Photo credit: Getty images / Marco Bottigelli

Overseas urgent or emergency medical expenses

No one imagines suffering an accident or being struck down by illness while on vacation. But with the different climate, food and activities you may find in Mexico, there is a greater risk that something undesirable could happen. Should you stumble down a Mayan pyramid or get bitten by a strange bug, your travel insurance may have you covered.

Many of us look forward to enjoying some famous local Mexican Tequila, but although production is highly regulated, you should watch out for illegally distilled varieties which can cause alcohol poisoning and could lead to muggings. Always be careful when accepting drinks that you haven’t ordered.

Also, even though the situation has improved, COVID-19 is still a risk, and if you happen to find yourself a victim of this disease, your policy may have your medicines and medical treatment covered.

In addition, World Nomads emergency assistance team is on the other end of the telephone 24/7. They can provide guidance on the nearest medical centers, relay messages to your loved ones back in Brazil, and even put you in touch with local legal assistance should it be necessary.

Cover for activities and sports when in Mexico

Some of the world’s best scuba diving can be found at Los Cabos off the west coast of Mexico. And a hiking tour through the ancient ruins of the Yucatan peninsula is an unforgettable adventure. But if accidents on these adventures happen, a World Nomads travel insurance policy may help if you need emergency treatment, advising you on where to go and guiding you through the difficult process of medical assistance in a foreign country.

Whatever happens, make sure that you read your policy thoroughly to understand which activities are covered. Collect and keep all the reports and documents relating to your sporting accident and treatment. That way, with everything we need to hand, we’ll be able to assess your claim quickly and easily.

What’s not covered

There are, of course, going to be things that your travel insurance does not cover. Some of these may include:

Natural disasters, such as hurricanes, cyclones or earthquakes;
Medical treatment for pre-existing conditions;
Assistance necessary as a result of participation in extreme sports not included in the policy.

These are just a selection of the things that can’t be covered. In relation to extreme sports, depending upon how radical you want to go, it’s a good idea to carefully read each of our policies to decide which one is best suited to your preferred activities. Whatever the case, you should read your policy carefully and make sure you fully understand what you may or may not be able to claim for.

Stolen Belongings

While on a bus from Belize City to Chetumal, Mexico, I put my large backpack into the storage area on the bus. After I transferred to a bus heading to Tulum, I discovered that my laptop was no longer in my backpack.

U.S. Nomad

Travel Insurance Benefits: how we can take care of you

Trip Cancellation

Been working hard for your trip?

We'll work hard to protect it.

Trip Protection

Are you or your family sick or injured?
Natural disaster or terrorist attack where your'e going?
Called to active service?

We’ve got your back.

Emergency Medical Expenses

Feeling fit and healthy? What if you get sick or injured?

Take the pain out of medical or dental costs.

Emergency Medical Insurance

Need medication?
Accidentally injured?
Suddenly sick?

We’ve got your back.

Emergency Medical Transportation

Know where the nearest hospital is?

Don’t stress, we’ll get you there quickly.

Evacuation and Repatriation

Hurt abroad?
Need to get to a hospital urgently?
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Help starts here.

Protect your gear

Love photography, filming or sport?

Cover your bags, tech or gear.

Protect your gear

Video camera gone?
Laptop lost?
Sports gear stolen?

Help starts here.

Emergency Overseas Medical & Dental Expenses
Emergency Medical Evacuation & Repatriation

Trip Cancellation or Interruption
24-Hour Assistance Services

Baggage
And more (depending on your country of residence)

*This is a general summary only. Restrictions, exclusions and limitations will apply. Coverage may not be available for all countries, states or provinces. Benefit limits may vary depending on the plan chosen. Get a quote for full details.

24/7 emergency assistance

Whether you need medical assistance or emergency evacuation, our teams 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?

Contact the team

Photo © lechatnoir / Getty

Travel insurance when in France

What you need to know about travel insurance for a trip to France

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France! A destination that’s high on many travellers’ bucket lists – and with good reason! With many famous historical sites to visit, outdoors activities to enjoy, art to appreciate, and food and wine to enjoy, you’ll soon be saying Vive la France!

What’s covered
What to look out for when travelling around France
What’s not covered
Tips for travelling in France

Aerial view of Paris streets and Eiffel Tower at sunset. Photo credit: Getty images / Alexander Spatari

What’s Covered

World Nomads offers coverage (up to the policy limits) for:

Emergency overseas medical: if you become sick or injured during your trip your policy may cover you for overseas medical expenses, up to the policy limits and when agreed by us.
Travel delays/interruption: if your trip is interrupted due to an insured event. Depending on which plan you’ve selected you may be covered for your non-refundable, pre-paid transport and accommodation expenses.
Baggage and valuables: we may offer cover if your belongings are stolen, accidentally damaged, delayed or lost. Terms and conditions apply. You’ll need official reports, supporting documentation and copies of your receipts if you need to make a claim. If your checked-in baggage is delayed for more than 12 hours, there is cover to replace those essential items and toiletries while you wait for your bags to arrive.
Adventure activities and sports: we cover more than 150 activities, sports and experiences across land, water and sky. Check before you buy that your adventure is covered and find out what policy upgrade options may be available.
Cover for some Coronavirus-related events: Both our plans offer cover for COVID-related events. Our Explorer Plan also has a Coronavirus Travel Costs benefit for certain events. You can check out our Coronavirus cover article which has all of the details, including terms and conditions, benefit limits and exclusions.

If you’ve already arrived in France and you forgot to buy travel insurance before leaving New Zealand, don’t panic. You can visit the World Nomads website at any time of the day or night and purchase a policy. Policies purchased while overseas may have a waiting period that applies.

France is Europe’s 3^rd largest country, which means there is a lot to see and do. In most cases, travelling goes without a hitch, but having the right travel insurance for you can take the added stress out of travel if things don’t go to plan.

Families

Travelling as a family can be an incredibly rewarding experience, and France is the perfect destination with plenty of family-friendly locations and activities on offer. Our policies can help cover for medical emergency, pregnancy and Covid, trip interruption and provide 24/7 worldwide emergency assistance. Cover includes two adults and up to eight dependents on one policy.

Multi-Destination Trips

If you’re making your way around Europe and visiting France on your travels, travel insurance can cover medical emergencies and evacuation, stolen items, and more than 150 adventures, sports and activities including volunteering and working.

If you’re travelling to multiple European countries, World Nomads can help with:

Translation and interpreting services in case of an emergency
Physician referrals
Pre-trip information

Summer Adventures

You can enjoy your summer travels around France knowing our policies may cover you for a range of activities including hiking trips around the foothills of Chamonix, road trips in the Rhone Valley, kayaking & rafting and even sailing the waters off Monaco.

We offer two plans – Standard and Explorer. Each policy provides different levels of coverage depending on what you need:

The Standard Plan covers a range of benefits and has lower coverage limits.
The Explorer plan covers all the benefits of the Standard plan, with larger coverage limits, more benefits.

Simply specify all the activities you have planned for your trip when you get your quote, as you can’t add them afterwards. Terms and conditions apply, check your Policy Document for details or contact us.

Winter Travel

From taking the family ice-skating on the rink at Champs-Elysees, to hunting for black truffles in the snow-dusted forests of Perigord, or sipping hot chocolate in between ski runs in the French Alps, our travel insurance can cover you for more than 150 adventures, snow and winter sports and activities, medical emergencies and extended stays if you are enjoying your winter escape to France too much!

Note: our travel insurance plans are different. Cover will vary, depending on what you are claiming for, the plan you choose and any options or upgrades you buy.

The French Riviera. Photo credit: Getty images / Pierre Longnus

What to look out for when travelling around France

Keep an eye on your gear 24/7: It’s very important that you NEVER leave your valuables out of sight. You should make copies of all key documents you’ll be travelling with — passport, ID, travel insurance, receipts, vouchers, addresses, transportation tickets — and keep them separate from the originals while abroad so you’ll have backups and proof of purchase if anything happens.
Baggage theft or loss: if you’re on a road trip and your rental car gets broken into, or your airline loses your bags, you may be able to claim to replace the item or claim for essential clothing and toiletries while you wait for your bag to be returned.
Rental car coverage and road safety – France is the perfect place for a road trip, with so many different regions to explore. Available on our Explorer plan, we may cover your rental vehicle insurance excess, or the cost of repairing the rental vehicle if you’re involved in a motor accident or your rental vehicle is damaged or stolen.
Pickpockets: Whilst France is amongst the safest countries to travel to there is always the chance that you might end up being pickpocketed in a tourist hotspot. If your items are stolen travel insurance could help replace them.

What’s not covered

Our policies aren’t designed to cover everything and there are some important general exclusions you should be aware of, including:

Pre-existing medical conditions – see the Policy Document for details.
Traveling to, planning to travel to, or choosing to remain in a country or region that is subject to a ‘Do Not Travel’ warning issued by the New Zealand Government. See – www.safetravel.govt.nz
Unattended baggage or personal items, including any items left in a locked car overnight.
If you don’t follow your doctor’s instructions or what we or the 24/7 Emergency Assistance Team advise you to do.
Participation in a sport or activity where you fail to adhere to the terms of coverage for listed sports or activities.
Being intoxicated by alcohol or drugs.

Be sure to read the Policy Document and General Exclusions for other scenarios and expenses we don’t cover so there’ll be no surprises if you need to use your cover.

The River Seine walkway. Photo credit: Getty images / James O'Neil

New Entry/Exit System (EES) starts October 2025

If you’re travelling to any EU countries, you need to be aware of a new system being rolled out. The Entry/Exit System (EES) is coming to 29 European countries from October 12, 2025.

The EES is a new automated border control system designed to modernize and enhance how travellers enter and leave the Schengen Area.

Countries that are taking part in the EES are: Austria, Belgium, Bulgaria, Croatia, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, and Switzerland.

ETIAS delayed until 2026

The European Travel Information and Authorisation System (ETIAS) travel authorisation system has been postponed to late 2026.

Non-EU citizens planning a holiday to Europe will need to check if they need a ETIAS travel permit before they go.

The ETIAS will apply to travellers from 59 visa-exempt countries and territories, including Australia, New Zealand, Canada, Japan, Singapore, South Korea, the United Kingdom and the United States.

While an official date hasn’t been announced yet, ETIAS is expected to begin in the last quarter of 2026.

Learn more about the ETIAS by checking out our Travel Wiser article.

Handy tips for traveling in France

Pack light – especially if you’ll be travelling around France using public transport.
Book attraction tickets in advance – if you know your plans then consider booking ahead for popular tourist sites such as the Eiffel Tower, Palace of Versailles and the Louvre as tickets can sell out and some attractions require pre-booking. Consider purchasing the Paris Pass.
Learn some basic French phrases – just in case you get into a jam, and locals often appreciate it when you try to speak their language.

This is only a summary of coverage and does not include the full terms, conditions, limitations and exclusions of the policy. You should read your Policy Document in full, so you understand what is and isn’t covered. That way there won’t be any surprises if you need to use it. If you have any questions, please get in touch.

The information provided is of a general nature and is provided for information purposes only. It does not constitute financial advice in any form and should not be relied on as a substitute for obtaining professional advice that is specific to your circumstances. You should seek advice from a financial advice provider if you would like further information about whether a particular product is appropriate for you and your circumstances.