Photo © Carlos Corcuera/Getty Images

Travel 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.

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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.

With this much diversity, you can bet we’ve seen all sorts of travel insurance claims from Americans in Mexico. Best to be prepared if you’re heading south of the border.

Do I need travel insurance for Mexico?

Your medical insurance back home won’t work in Mexico, even if you are just over the border from the US. In fact, many hospitals in Mexico require payment up front if you have a medical emergency. 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.

Certain parts of Mexico are also 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 is different city-to-city, region-to-region. In small clinics, you could have to give your credit card to the hospital before being seen. Even some large hospitals have policies which might not favor the traveler.

Often, tourists can be seen as having disposable income. The best thing you can do to protect yourself against large hospital bills is to have travel insurance for Mexico.

In a medical emergency, the first thing you should do (if you are able) is call our 24/7 emergency assistance line. Our team could help you find a reputable medical center and could help organize the care you need. If you are unable to call until later, you’d need to save your receipts/and call at the soonest available time.

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 the US and it could make you sick.

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!

Also, please note that travel insurance for Mexico is meant for unexpected situations. It does not replace your insurance back home in the US. Medical tourism is not covered. 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 most 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 lost your bag, the first step is to try and remedy the situation with them. If that fails, your travel insurance for Mexico could assist. 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, a new swimsuit could even be reimbursed (make sure you keep your receipt to prove you bought it).

If someone stole your bags in Mexico, the first step is to file a police report. Then, give our 24/7 emergency assistance team a call. You could be reimbursed for your stolen bags and personal belongings, minus deprecation 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.

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

Travel insurance for cancelled or delayed trips to Mexico

Sometimes your plans just don’t work out. Maybe a hurricane is headed to your resort or a loved one back in the US gets sick. There are a variety of factors where you might need to cancel or interrupt your trip to Mexico. Your travel insurance for Mexico can help protect your expenses if this happens.

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 have back-up plans if a hurricane is threatening your trip. If you bought your travel insurance policy prior to the storm developing into a major event (before the storm was officially named by meteorologists), your travel insurance for Mexico could offer cancellation protection. If you found yourself in the bullseye of the storm, you’d need to call the emergency assistance line and the team could help evacuate you, if it were necessary. You also could be eligible for trip interruption coverage.

Trip interruption and trip cancellation coverage can also help protect you in case of emergencies back home in the US. If you need to cancel or change plans because of covered reasons like sickness, natural disasters and more (up to your policy limits), you could get reimbursed for those non-refundable hotel rooms or activities 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. And just like every city in the US, criminals can take advantage of tourists who look out of place or are just in the wrong place at the wrong time.

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, you’ll want to get a police report and call our 24/7 emergency assistance line. Our team can serve as translators and talk with the local police, if that helps. As part of your travel insurance for Mexico policy, money could also be wired to you in an emergency, or you could get assistance replacing a lost or stolen passport.

Travel insurance for activities in Mexico 

We cover more than 250 activities in Mexico, like snorkeling, kayaking, hiking and yes, even sampling those delicious tacos from the street vendors. 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.

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 Protection

Protect your hard earned vacation from unexpected cancellation.

  • Explorer Plan: $10,000
  • Standard Plan: $2,500
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 Insurance

Take the pain out of medical or dental costs.

  • Explorer Plan: $100,000
  • Standard Plan: $100,000
Emergency Medical Insurance
  • Need medication?
  • Accidentally injured?
  • Suddenly sick?

We’ve got your back.

Emergency Evacuation

We'll provide assistance to get you to the hospital or home quickly.

  • Explorer Plan: $500,000
  • Standard Plan: $300,000
Emergency Evacuation
  • Hurt abroad?
  • Need to get to a hospital urgently?
  • Default text

Help starts here.

Protect your gear

Covers the loss, theft or damage of your bags, tech and gear.

  • Explorer Plan: $3,000
  • Standard Plan: $1,000
Protect your gear
  • Video camera gone?
  • Laptop lost?
  • Sports gear stolen?

Help starts here.

  • Emergency Accident & Sickness Medical Expense
  • Repatriation of Remains
  • Trip Cancellation
  • Trip Interruption
  • Trip Delay
  • Baggage & Personal Effects
  • Baggage Delay (outward journey only)
  • Rental Car Damage – where permissible
  • Accidental Death & Dismemberment
  • Generali Global Assistance 24-Hour Assistance Services
  • Generali Global Assistance Non-Medical Emergency Transportation Services
This is a general summary for US residents only. Restrictions, exclusions and limitations will apply. Benefit limits may vary depending on the plan chosen. Check the plan documents for full details.

24/7 emergency assistance

Whether you need medical or dental assistance or advice, emergency evacuation or travel assistance, our team is available 24 hours a day, 7 days a week, 365 days a year before and during your trip.

Wherever you are, we’re here 24/7 to help you in any emergency.

Are you in need of emergency assistance right now?

Contact Generali Global Assistance:
Telephone: +1 954-334-8143 (Collect outside the US)
+1 877-289-0968 (Toll-free in the US and Canada

Contact the team

Travel insurance. Simple & flexible.

Travel insurance for independent travelers and intrepid families. Nobody wants to think about all the things that could go wrong on their trip, but these things can and do happen. So be prepared and get your travel insurance today.

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