Travel Insurance for Mexico
31 states. Countless adventures. Make sure you’re covered for medical emergencies, baggage and personal belongings, and more.
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With a total of 26 UNESCO-listed heritage sites to explore, including Zacatecas, Chichen Itza and National Park of Palenque, as well as stunning coastline, and great food and music, Mexico has every type of activity to help Irish travellers unwind or get the adrenaline pumping.
- Baggage theft in Mexico
- Can I travel to Mexico?
- Travel insurance for medical emergencies in Mexico
- Is there travel insurance for scuba diving?
Despite its incredible natural wonders and beauty, Mexico can also be a dangerous place, especially if you don’t know the language and end up in the wrong part of town. However Irish travellers shouldn’t be deterred from experiencing one of the world’s most amazing cultures.
Here are some tips on how to stay safe and how to make the most out of your travel insurance coverage.
Baggage theft in Mexico
If your airline loses your luggage or you're exploring the bars and cafes around Costa Maya and your wallet goes missing, you’ll need to get in touch with the local police as soon as possible. Theft is one of our most common travel insurance claims by travellers in Mexico, which is why World Nomads travel insurance plans offer some protection for theft or lost luggage checked into a common carrier.
Whatever happens, you'll need to get a written report of the incident. If there has been a theft, you must report this to the local police. For theft or other incidents including loss of items, you must also report this to another authority, such as your tour operator, Bus Company, airline or hotel. This will need to be done as soon as reasonably possible in order to support your claim.
We understand this can be a challenge when you’re in a country where you don't speak the language. Thankfully, our 24/7 Emergency Assistance team can help you negotiate the local administration.
Can I travel to Mexico?
Always make sure you’ve done your research on any country you’re planning to visit as there may be Irish government imposed travel restrictions in place. If you decide to travel to a country where the Department of Foreign Affairs (DFA) has advised ‘Do Not Travel’ or ‘Avoid Non-essential Travel’ to a particular country or part of a country then your World Nomads policy will not offer cover for the reasons for which the warning was given.
For the most up-to-date info on travelling to Mexico and other countries, go to the DFA website, which includes coronavirus travel guidance, security and local laws, and passport and visa information.
Travel insurance for medical emergencies in Mexico
Many of us have been found guilty of over indulging when it comes to Mexico’s amazing food and drinks or have come down with a bad case of Gastro. The danger with food poisoning and drinking contaminated water is that vomiting and diarrhoea can result in serious dehydration which can be deadly, so don’t rely on your own instincts or the Internet to get medical advice.
These emergencies can take down even the most experienced Irish traveller. That’s why our 24/7 Emergency team can give you advice on what to do, help locate suitable medical facilities (particularly in remote areas where access to medical care can be tricky), and monitor your medical treatments if needed to make sure you are given proper care.
If you're involved in an accident, for example, while visiting the Mayan ruins that requires emergency medical treatment during your trip, your policy may cover emergency medical expenses for:
- Overseas emergency medical and surgical treatment and hospital charges (admission as an in-patient).
- Out-patient treatment (no hospital admission).
- Emergency dental treatment to relieve immediate pain.
- Outpatient physiotherapy when prescribed by a medical practitioner.
- Specialist counselling services if you suffer psychological trauma.
- Emergency medical transport and repatriation home if medically necessary and authorised by our Emergency assistance team.
If something goes wrong, such as robbery, accident or illness we provide travel insurance that can help with:
- Emergency overseas medical.
- Emergency medical evacuation or repatriation when necessary.
- Luggage and personal effects cover.
- 24-hour Emergency Assistance.
- Cover for some Coronavirus-related events.
If you need more tips on travelling abroad in the midst of COVID-19 restrictions our COVID-19 travel insurance tips article may provide some answers.
Is there travel insurance for scuba diving?
We’ve designed our plans to give you the freedom to learn and hone your diving skills by offering coverage for scuba diving accidents, illness or injuries underwater. Though both our Standard and Explorer plans include benefits for scuba diving, each plan has a different level of coverage and may exclude certain types of diving or dives of a certain depth.
For more information on scuba diving and what you are covered for, our Scuba diving article may help answer your questions.
An upgrade for certain activities and sports may be required and terms and conditions apply for each activity. Check your Policy Wording for details or contact us if you have questions.
This is only a summary of cover and does not include the full terms, conditions, limits and exclusions of the policy. You should read your Policy Wording in full, so you understand what is and isn’t covered. If you are unsure about your level of travel cover please contact us for help.
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.
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?
- Default text
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)
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 teamTravel Insurance for Mexico
31 states. Countless adventures. Make sure you’re covered for medical emergencies, baggage and personal belongings, and more.
- As featured in:
As featured in:
From the lush jungles and ancient ruins of Palenque to the UNESCO World Heritage listed, Guanajuato City, famous for its cobbled streets and colonial architecture, Mexico has every type of activity for British travellers whether you want to wind down or get your adrenaline pumping.
- Baggage theft in Mexico
- Can I travel to Mexico?
- Travel insurance for medical emergencies in Mexico
- Is there travel insurance for scuba diving?
Despite its incredible natural wonders, Mexico can also be a dangerous place, especially if you don’t know the language or end up in the wrong part of town. However British travellers shouldn’t be deterred from experiencing one of the world’s most interesting and friendly cultures.
Here are some tips on how to stay safe and how to make the most out of your travel insurance cover.
Baggage theft in Mexico
If your airline loses your luggage or you’re exploring the bars and cafes around Costa Maya and your wallet goes missing, you’ll need to get in touch with the police as soon as possible. Theft is one of our most common travel insurance claims by travellers in Mexico, which is why World Nomads travel insurance plans offer some protection for theft or lost luggage checked into a common carrier.
Whatever happens, you'll need to get a written report of the incident. If there has been a theft, you must report this to the police. For theft or other incidents including loss of items, you must also report this to another authority, such as your tour operator, Bus Company, airline or hotel. This will need to be done as soon as reasonably possible in order to support your claim.
We understand this can be a challenge when you’re in a country where you don't speak the language. Thankfully, our 24/7 Emergency Medical Assistance team can try (where possible) to help you negotiate the local administration.
If something goes wrong, such as a robbery, accident or illness, we provide travel insurance that can help with:
- Emergency overseas medical assistance;
- Emergency medical evacuation or repatriation when necessary;
- Luggage and personal belongings cover;
- 24-hour Emergency Medical Assistance.
If you need more tips on travelling abroad during COVID-19 restrictions our COVID-19 travel insurance tips may provide some answers.
Can I travel to Mexico?
Remember to always research any country you’re planning to visit as there may be UK government imposed travel restrictions in place. If you decide to travel to a country that the Foreign, Commonwealth & Development Office (FCDO) has advised against all travel or against all but essential travel then your World Nomads policy could be restricted.
For the most up-to-date info on travelling to Mexico and other countries, visit the FCDO website, which includes coronavirus travel guidance, security and local laws, and passport and visa information.
Travel insurance for medical emergencies in Mexico
Many of us have been guilty of over indulging when it comes to Mexico’s amazing food and drinks or have come down with a bad case of Gastro. The danger with food poisoning or drinking contaminated water is that vomiting and diarrhoea can result in serious dehydration which can be deadly so don’t rely on your own instincts or the Internet to get medical advice.
These kinds of emergencies can take down even the most experienced British traveller. That’s why the services of our 24/7 Emergency Medical Assistance team are essential. Our team can give you advice on what to do, help locate suitable medical facilities (particularly in remote areas where access to medical care can be tricky), and monitor your medical treatment if needed to make sure you are getting proper care.
If you're involved in an accident, for example, while visiting the Mayan ruins that requires emergency medical treatment during your trip, your policy may cover emergency medical expenses for:
- Overseas emergency medical and surgical treatment and hospital charges (admission as an in-patient);
- Out-patient treatment (no hospital admission);
- Emergency dental treatment to relieve immediate pain;
- Outpatient physiotherapy when prescribed by a medical practitioner;
- Specialist counselling services if you suffer psychological trauma;
- Emergency medical transport and repatriation home if medically necessary and authorised by our emergency medical assistance team.
Is there travel insurance for scuba diving?
We’ve designed our plans to give you the freedom to learn and hone your diving skills by offering coverage for scuba diving accidents, illness or injuries underwater. Both our Standard and Explorer plans include benefits for scuba diving, each plan excludes certain types of diving or dives beyond a certain depth.
For more information on scuba diving and what you are covered for, our Scuba diving article may help answer your questions.
An upgrade for certain activities and sports may be required and terms and conditions apply for each activity. Check your Policy Wording for details or contact us if you have questions.
This is only a summary of cover and does not include the full terms, conditions, limits and exclusions of the policy. You should read your Policy Wording in full, so you understand what is and isn’t covered. If you are unsure about your level of travel cover please contact us for help.
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.
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?
- Default text
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)
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 teamBuy travel insurance away from home
Get covered by World Nomads, even if you're already on the road.
- As featured in:
As featured in:
We know it can be easy to forget to buy travel insurance when planning a holiday. If you’ve left Ireland without travel insurance or your policy is due to expire and you’re still on the road, you can still purchase travel insurance with World Nomads.
We’ve designed simple and flexible travel insurance so you can buy what you need, when you need it, even while travelling. If you forgot to buy a policy before you started your trip, are outside your home country without insurance, or your cover has ended but your trip hasn’t, you can buy a World Nomads policy 24/7 online.
If you buy a policy while travelling, waiting periods, conditions and restrictions on cover do apply.
What is a time excess?
You may have to wait 72 hours (time excess) before any cover is activated, depending on when you purchase your policy as explained in ‘When cover starts & ends’ in your Policy Wording. This means certain benefits (such as our Coronavirus pre-trip cancellation cover) may not apply, as you’ve already left Ireland.
Our COVID-19 cover benefits have been created to give Irish travellers the opportunity to travel more securely knowing that they have the option to access to a set of travel and medical insurance benefits on our Standard and Explorer plans.
To find out what cover applies to you, read our Coronavirus cover article, which has all of the details, including benefit limits, conditions and exclusions.
Please note: COVID-19 cover depends on your Country of Residence and varies between plans.
Most policies can cover you straight away if you're injured in an accident after you buy a policy. Your Policy Wording will have full details to understand the cover, limits and exclusions.
- Buy while travelling
- Get cover 24/7 online
- Instant confirmation
- Ongoing traveler support
- 24/7 Emergency Assistance
Waiting periods apply
Left home without travel insurance?
Learn how you can buy your travel insurance policy while travelling anytime from anywhere in the world by watching this video.
Malaria at Christmas.
In the 25th of December I woke up feeling nausea, fever, headache, and lethargy. After two days with the symptoms not ceasing I went to a clinic and was admitted with severe malaria. I stayed in the hospital for two days taking shots for malaria and also saline drip.
A.G. Brazilian Nomad in Zambia.
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
- Unexpectedly hospitalised?
- Travel buddy in an accident?
- Sudden death of an immediate relative?
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
- 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
- Injured abroad?
- Need a hospital urgently?
- Medical evacuation home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Luggage lost?
- Passport pilfered?
- Tech Trashed?
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)
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 teamFAQ
Here are our most frequently asked questions about buying away from home. You can also find the answers to other questions in our Helpdesk or you can ask the customer service team.
-
Do you have an excess?
Yes - read the policy for details as it can vary depending on what you're claiming for.
-
My son/daughter is already on the road. Can I buy a policy on their behalf?
Yes, you can. But if you do, you're agreeing to all of the terms and conditions as if you are them.
-
How long does it take to get a copy of my insurance?
As soon as the payment goes through, it will be emailed to you or in your membership.
Buy Travel Insurance Away From Home
Get covered by World Nomads, even if you're already on the road.
- As featured in:
As featured in:
We know it can be easy to forget to buy travel insurance when you’re planning a much-needed overseas holiday. If you’ve left the UK without travel insurance, or your policy is due to expire and you’re still on the road, you can still purchase travel insurance with World Nomads.
Waiting periods can apply whether you have boarded your transportation for international departure or even if you have simply left your home for a domestic trip within the UK (Annual Multi-Trip only).
If you are already travelling and have left the UK all you need is a stable internet connection and you can buy or extend your travel insurance anytime, anywhere.
If you buy a policy while travelling, waiting periods, conditions and restrictions on cover do apply.
What is a Waiting Period?
You may have to wait 72 hours (waiting period) before any cover is activated, depending on when you purchase your policy as explained in ‘When cover starts & ends’ in your policy wording. This means certain benefits (such as our pre-trip cancellation cover) may not apply as you’ve already started your trip.
Most policies can cover you straight away if you're injured in an accident after you buy a policy. Your Policy Wording will have full details to understand the cover, limits and exclusions.
- Buy while travelling
- Get cover 24/7 online
- Instant confirmation
- Ongoing traveler support
- 24/7 Emergency Medical Assistance
Waiting periods apply
Left home without travel insurance?
Learn how you can buy your travel insurance policy while travelling anytime from anywhere in the world by watching this video.
Malaria at Christmas.
In the 25th of December I woke up feeling nausea, fever, headache, and lethargy. After two days with the symptoms not ceasing I went to a clinic and was admitted with severe malaria. I stayed in the hospital for two days taking shots for malaria and also saline drip.
A.G. Brazilian Nomad in Zambia.
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
- Unexpectedly hospitalised?
- Travel buddy in an accident?
- Sudden death of an immediate relative?
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
- 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
- Injured abroad?
- Need a hospital urgently?
- Medical evacuation home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Luggage lost?
- Passport pilfered?
- Tech Trashed?
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)
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 teamTravel Insurance for Mexico
White sand beaches, colorful cities, dense jungles and desert landscapes. Mexico has something for everyone. Be ready for it all with travel insurance.
- As featured in:
As featured in:
For information relating to policies purchased prior to October 23 2024, please check the Policy Wording provided with your purchase. You can contact us if you need this sent to you again. For plans purchased after October 23 2024, please see below.
At a glance:
- Travel insurance benefits for Mexico may include trip cancellation, delay, and interruption
- Coverage for medical emergencies, medical evacuation, and natural disasters while abroad
- Protection for lost, stolen, or delayed baggage and personal belongings
- Coverage for 250+ adventure and sports activities across Mexico (surfing included!)
- Optional Cancel For Any Reason (CFAR) upgrade for extra flexibility. Additional terms apply
- Do I need travel insurance for Mexico?
- Travel insurance for activities in Mexico
- Travel insurance for medical emergencies in Mexico
- Travel insurance for lost or stolen bags in Mexico
- Travel insurance for crime in Mexico
- Travel insurance for canceled, interrupted, or delayed trips to Mexico
- Tips for traveling to Mexico from the United States
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 Mayan ruins, exploring colorful cities, or simply as a stop on a cruise. Whatever your dream vacation looks like, Mexico is a place of endless adventure and rich culture.
With this much diversity, you can bet we’ve seen all sorts of travel insurance claims from Americans in Mexico. International travel can sometimes involve those less-than-great moments - like sickness, missed flights, and lost baggage. Because of this, you may want to get a quote for travel insurance* for Mexico before you set forth on your journey.
Do I need travel insurance for Mexico?
World Nomads travel insurance plans offer protection against certain unexpected and unforeseeable circumstances that might disrupt your travel plans. You’ll want to consider travel insurance to protect yourself against expenses related to unforeseen events like theft or bad weather.
Travel insurance for Mexico can also protect against large medical bills resulting from accidents that may happen on your outdoor adventures such as diving in cenotes near Tulum or surfing off the coast of Sayulita.
Our travel insurance plans also include important travel, medical, and security assistance services designed to provide you with 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.
We have four plans to choose from for different types of travelers and adventures.
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.
Not all activities are covered under every plan, so it’s a good idea to know your general travel itinerary before you get a quote. Some activities will require an extra level of coverage, depending on the risk involved.
For example, you can take your PADI course to learn scuba diving on Cozumel and be covered by all plans. However, if you’re interested in going cave diving to explore the famed cenotes around Tulum, you’ll need to purchase an Explorer or Epic Plan and read plan documents carefully to make sure your adventure is covered.
Travel insurance for medical emergencies in Mexico
In Mexico, the healthcare system can differ region-to-region and may not be what you are familiar with back home. In small clinics, you may have to pay before being seen by a medical professional. You can protect yourself from loss due emergency medical expenses by purchasing a travel insurance plan for your trip to Mexico.
Before your trip, you may want to make an appointment with our Pre-Departure Telehealth Service-- an online travel clinic and our non-insurance service partner. The telehealth service offers online consultations 24/7 and can help you obtain any necessary prescriptions such as medication for traveler’s diarrhea or motion sickness.
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 may be able to help you find a reputable medical center and could help organize the care you need. If you are unable to call until later, make sure you call them as soon as possible.
A common ailment affecting travelers to Mexico is gastrointestinal disorders. The water system is not the same as back home in the United States, and it could make you sick. Travelers should not drink water straight from the tap without double-checking that it’s been filtered. The same goes for ice in drinks.
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!
Travel insurance for lost or stolen bags in Mexico
A common claim we get is for lost or stolen bags in Mexico. Whether the airline lost your luggage, or your purse was stolen, these things do happen.
Did you arrive in Cancun but your bag—packed with your new swimsuit and snorkeling gear for your beach vacation—didn’t? The first step is to contact the airline.
If the airline isn’t able to help you locate your lost bag, the second step is to contact the Delayed or Lost Baggage Tracking and Delivery service, which is another of our non-insurance service partners. Make sure to have the file reference or record locator number and Property Irregularity Report on hand when you call so you can file a lost luggage claim.
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 may be reimbursed for your stolen bags and personal belongings, minus depreciation and up to your plan 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.
Travel insurance for crime in Mexico
Mexico is a beautiful place to visit year-round. However, there are certain 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 an assault or are a victim of theft, seek assistance from the local authorities and 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.
Travel insurance for canceled, interrupted, or delayed trips to Mexico
Sometimes your plans just don’t work out. World Nomads travel insurance plans include trip cancellation, trip interruption, and trip delay benefits that may provide reimbursement for your unused, pre-paid, non-refundable expenses.
Fleeing the American winter for a sunny escape down to Mexico is a popular choice. Traveling during winter runs the risk of snowstorms in the US and potential missed connections. If you’re flying from Chicago to Cancun and your flight is delayed by more than three hours, causing you to miss your cruise departing in the Riviera Maya, you may have to pay to get to the next port of call. If you purchased an Explorer or Epic plan, your travel insurance for Mexico may reimburse you for those travel expenses to the next port in addition to any prepaid, non-refundable activities that you missed.
We never anticipate natural disasters interrupting our vacation to Mexico, but they can happen. The most likely months for hurricanes are August and September. The Yucatan Peninsula is especially at risk, but hurricanes have hit Baja California on the Pacific side. Storms are impossible to predict so the best thing you can do is protect yourself with travel insurance to Mexico.
If you bought your travel insurance plan prior to the storm developing into a major event (before the storm was given a name), your travel insurance for Mexico may provide cancellation protection if you are unable to occupy your destination residence because of a natural disaster.
Trip interruption and trip cancellation coverage can also help protect you in case of emergencies back home in the United States. 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 unused, plan limits) hotel expenses or airfare that you can no longer use.
Tips for traveling to Mexico from the United States
As much as you may have planned each detail of your Mexican adventure, the unexpected can still happen. We encourage you to check out the US government’s safety warnings for Mexico before you leave. Up-to-date warnings-- including weather advisories and political situations-- will be listed on the website.
It’s also a good idea to save the 24/7 Emergency Assistance phone number and your plan number in your cell phone so you don’t have to search for that if an emergency happens. Learning a few Spanish words and phrases will also go a long way.
Finally, we recommend checking out our travel tips for Mexico. You may also want to read up on some destination inspiration and download our free guide to Mexico to help you discover the lesser-known side of this country rich in art, culture, and nature.
*All information we provided here is a brief summary. It does not include all terms, conditions, limitations, exclusions, and termination provisions of the plans described. Please carefully read your state specific plan documents for a full description of coverage. Travel insurance is included as part of your travel protection plan which contains both insurance benefits and non-insurance assistance services. Material included on this page does not represent, nor is it specific to, United States Fire Insurance Company or travel insurance benefits provided on United States Fire Insurance Company’s travel protection plans.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.
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?
- Default text
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)
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 teamTravel Insurance for Mexico
31 states. Countless adventures. Make sure you’re covered for medical emergencies, baggage and personal belongings, and more.
- As featured in:
As featured in:
- What's covered when traveling in Mexico
- Pickpockets and petty crime in Mexico
- What if I experience a medical emergency in Mexico?
- Make sure you're covered for adventure sports
- I'm going to Mexico for Scuba Diving, am I covered?
- What's not covered while traveling in Mexico?
- Want more travel inspo for your Mexican adventure?
Spanning almost 760,000mi² (2 million km²), with landscapes that range from snow-capped volcanos to dense rainforest, and a cultural mix that’s equally diverse, Mexico is a place brimming with art, history, wildlife, adventure and plenty of inspiration.
Despite Mexico’s reputation as a place of crime and drug violence in recent years, don’t be deterred from experiencing one of the world’s most colorful and amazing cultures. Here are some tips on how to stay safe and how to make the most out of your travel insurance coverage.
What’s covered when traveling in Mexico
With World Nomads, you can buy travel insurance when you book your trip from home or while you're already traveling. All our plans offer cover (up to the benefit limits) for:
- Overseas emergency medical
- Medical evacuation and repatriation
- Trip cancellation
- Stolen or delayed baggage
- Cover for some Coronavirus-related events.
Make sure that you’ve selected the right travel insurance plan for your specific needs. World Nomads has two levels of cover - the Standard Plan and Explorer Plan - that offer different benefits, limits and sub-limits so it’s best to compare them to see which one suits your travel needs.
You can get a quote, make a claim, or extend your policy instantly online, even while traveling.
Pickpockets and petty crime in Mexico
You’re wandering the stalls of the La Lagunilla markets and reach into your pocket to get your wallet and realise it’s not there.
Theft is one of our most common travel insurance claims by travelers in Mexico. But the good news is that all World Nomads travel insurance plans offer some coverage for theft or lost luggage checked into a common carrier. Per item and total maximum benefits may apply and be sure to check your policy wording for excluded items.
To file a claim, you’ll need a police report or other written documentation such as a property irregularity report from your common carrier.
Traveler tip: you should carry your electronics, passport, and valuables with you at all times. Don’t leave them in the car or in your luggage. Lock up your belongings securely when you can’t take them with you.
What if I experience a medical emergency in Mexico?
All of our policies offer cover for medical emergencies whilst traveling overseas. If you fall ill with food poisoning, or have an accident whilst on an adventure, we’re here to help.
If you experience a medical emergency whilst on holiday in Mexico, our 24/7 Emergency Assistance team can get you help on the ground with translation services when you’re lost, injured or sick, whether you need an ambulance transfer, a prescription medication or a hospital that can treat your condition.
If you require any medical treatment on your trip, be sure to get reports, documentation and keep all receipts, as you will need these to support your claim.
As avid adventurers ourselves, we know that your adventures in Mexico may take you far from medical facilities, and our policies may also cover you for emergency evacuation and repatriation.
Note: Get in touch with the EA team before undergoing any medical treatment; you may need pre-authorization before undergoing medical procedures or where medical evacuation is required. It’s also important that you look at the exclusions section of your policy; our plans don’t cover pre-existing medical conditions or preventative care.
Traveler tip: stick to purified water, or use purification tablets, and follow your doctor’s advice for any other health recommendations. These preventative steps could save you a lot of trouble.
Make sure you’re covered for adventure sports
Whether you are scuba diving in Socorro, rafting in Veracruz or hiking in Cumbres Del Ajusco National Park, World Nomads covers you for more than 150 activities, adventures and sports.
Depending on your travel plans and Country of Residence, you may need to upgrade your policy to be covered for the activities you will be doing. If you’re unsure whether the activity you want to do is covered, just contact us.
Your plan may also have conditions of coverage. For example, you may be required to wear safety equipment, book a tour with a licensed tour operator, or stay within certain parameters of your sport: treks may only be covered up to a certain elevation, or scuba dives only to a certain depth for example.
Traveler tip: make copies of all key documents you’ll be traveling 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.
I’m going to Mexico for Scuba Diving, am I covered?
We’ve designed our plans to give you the freedom to learn and hone your diving skills by offering coverage for scuba diving accidents and other injuries underwater. However, your coverage depends on your Country of Residence. Some of our plans may have exclusions for certain types of diving or dives of a certain depth, and you may need to upgrade your policy and coverage depending on the types of diving you will be doing.
Be sure to read your individual policy for terms and conditions, limitations and exclusions and if you’re unsure whether you’re covered, just contact us.
Traveler tip: most of the time, things are pretty calm in Mexico, but riptides and big swells are a potential danger on either side of the country, so check conditions before you scuba dive or swim and don’t go anywhere that has been closed off by authorities. Keep an eye on travel advisories, especially during hurricane season.
Note: all travel insurance plans are different, and cover will vary, depending on what's happened, your Country of Residence, the plan you choose and any optional extras or upgrades you add.
What’s not covered while traveling in Mexico?
Our policies aren’t designed to cover everything and there are some things we just won’t cover. These include, but are not limited to:
- Any pre-existing medical conditions
- Any items lost, stolen or damaged that are unsupervised or unattended
- If you travel against medical advice or neglect to adhere to government ‘Do Not Travel’ warnings issued prior to departure
- Trip cancellation for events that occurred before your policy was purchased (natural disaster, strike, etc.)
- Not having visas or passports issued on time or not properly fulfilling the entry requirements of your destination.
- Any adventure activities or sports that aren’t covered by our policies.
- Any costs related to illegal activities or being under the influence of drugs or alcohol.
- Expenses you have not made every reasonable attempt to recover from the carrier, accommodation provider, booking or travel agents, any compensation scheme, or other source
Want more travel inspo for your Mexican adventure?
Check out our handy guides and tips to get the insider scoop on the best adventures in Mexico:
- Southern Baja, Mexico: Exploring Beyond Los Cabos
- 5 things I wish I knew before going to Mexico
- Mexico Travel: 6 ways to get off the beaten path
Travel insurance doesn't cover everything. All of the information we provide is a brief summary. It does not include all terms, conditions, limitations, exclusions and termination provisions outlined in the policy wording. Coverage may not be the same or available for residents of all countries, states or provinces. If you’re not sure if something is covered, get in touch.
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.
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?
- Default text
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)
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
