Do I need travel insurance for Mexico?

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Planning a trip to Mexico? The country has a lot to offer to globetrotters: breathtaking beaches, delicious food, and charming sights. Plus, it’s easy to reach with nonstop flights from several US hubs.

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Once you have booked your ticket, you may be wondering whether you should buy travel insurance for your trip to Mexico. Here’s a look at whether Mexico travel insurance is required, which credit cards offer travel coverage and where you can buy a policy if you need the extra protection.

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Do I need travel insurance for Mexico?

If you are a frequent traveller, it is not a matter of when something is going wrong in your travels, but a matter of when. You may experience overnight delays, your bag may not make it to your destination, or your rental car is no longer where you parked it.

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Because travel is anything but perfect, you may consider buying a travel insurance policy for a number of reasons, including:

To protect upfront costs in case of cancellation or delay.

To save yourself from a costly bill in case of an emergency medical situation.

Although travel insurance is not required for Mexico, many people choose to buy it. You’ll want to take a look at the overall travel and expenses when considering your options.

For example, are you renting a car for a self-drive adventure? You can consider a policy that includes rental accident coverage. Does the cruise you booked with the Cozumel setting depart on your arrival day? You may want to get missed-connection coverage. Would you travel to Cancun during hurricane season? Look for a plan that covers inclement weather.

What are the Different Types of Mexico Travel Insurance?

Travel insurance coverage ranges from basic to extended and limits vary. You will usually find the following types of insurance and coverage in a comprehensive travel insurance plan.

Luggage delay reimburses the cost of essential items paid in the first few days after you did not receive your checked bag.

Loss of Luggage reimburses the cost of your suitcase and baggage should a checked bag become lost, stolen or damaged.

Emergency medical evacuation and repatriation insurance provides coverage for transportation to the nearest medical facility or to your home country (including transportation of remains).

Trip cancellation reimburses prepaid non-refundable costs if you must cancel a trip for an unforeseen covered reason, such as illness or natural disaster (note that it does not provide cancellation coverage for any reason) .

Trip delay includes transportation, food and accommodation if your common carrier is delayed or you cannot return home due to quarantine.

Trip interruption reimburses you for unused, non-refundable costs if the trip has to be cut short for a covered reason and you must return home.

Which credit cards offer travel insurance?

Before you decide to buy independent travel insurance for Mexico, check to see if you already have coverage provided as a benefit to one of your travel credit cards. As with most cards, the coverage limit is generally lower than with a comprehensive plan, but it’s better than nothing.

The following cards offer coverage against travel delay, baggage delay or loss, travel accident, and rental car collision damage:

If you hold one of the cards above, or perhaps a different credit card, familiarize yourself with the benefits guide. You may be pleasantly surprised to learn that a comprehensive travel insurance plan covers many items as long as you pay for travel with that credit card.

One of the most valuable perks is collision damage insurance for a rental car. However – and we cannot stress this enough – be aware that the rental car collision damage exemption with the card above does not cover the liability insurance that car rental companies in Mexico require.

You might be surprised to arrive at the rental car counter after reserving an inexpensive vehicle only to be hit with an astronomical fee on top of the bill. Before yelling at the agent, know that the fee is legitimate because this coverage is required by law. Either obtain the necessary coverage before arriving in Mexico or pay for a liability plan from the rental company.

Where can you buy more coverage?

Although the travel insurance that comes with travel rewards credit cards is nice, you may notice that some coverage limits are not particularly high. If you think you need better travel insurance for Mexico, consider investing in a comprehensive independent policy.

Travel insurance marketplaces like InsureMyTrip, Squaremouth or TravelGuard can help you find trip coverage, compare quotes, and narrow down a plan for your needs and at your price point. Travel insurance providers include AXA Assistance, Battleface, Goready, IMG, Seven Corners, Travic International, Nationwide and more.

Depending on the plan, you may get coverage for trip cancellation and interruption, baggage delay or loss, rental car collision damage waiver, emergency medical insurance and emergency medical evacuation coverage. You may also get COVID-19 coverage with some plans, so be sure to read the terms of each plan carefully.

It’s worth noting that general travel insurance doesn’t cover extreme sports like scuba diving, so if you’re planning on diving in the cenotes of the Yucatan Peninsula or at Lands End in Cabo San Lucas, DiveSure, Divers Alert Network or Consider buying scuba diving insurance from World nomads.

If you want to buy travel insurance for Mexico

Travel insurance can help put your mind at ease in case something goes wrong with your travels. Although you don’t have to buy travel insurance for Mexico, you can give this idea a second thought because you never know what might happen abroad. Fortunately, many credit cards offer some basic coverage, and if you need more protection, you can always buy a comprehensive plan that fits your needs.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2022, including:

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Do I need travel insurance for Mexico?

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