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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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.
- 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 Runway Health-- 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 can’t track your bag, the second step is to contact Blue Ribbon Bags, a non-insurance service that will track and expedite the return of your undelivered baggage by the airline. Make sure to have the file reference or record locator number and Property Irregularity Report on hand when you call Blue Ribbon Bags.
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 Protection
Protect your hard earned vacation from unexpected cancellation.
- Standard Plan: $2,500
- Explorer Plan: $10,000
- Epic Plan: $15,000
- Annual Plan: $5,000
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.
- Standard Plan: $125,500
- Explorer Plan: $150,000
- Epic Plan: $250,000
- Annual 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.
- Standard Plan: $400,000
- Explorer Plan: $500,000
- Epic Plan: $700,000
- Annual Plan: $100,000
Emergency Evacuation
- Hurt abroad?
- Need to get to a hospital urgently?
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Help starts here.
Protect your gear
Covers the loss, theft or damage of your bags, tech and gear.
- Standard Plan: $1,000
- Explorer Plan: $2,000
- Epic Plan: $3,000
- Annual Plan: $2,000
Protect your gear
- Video camera gone?
- Laptop lost?
- Sports gear stolen?
Help starts here.
The amounts listed represent the maximum benefit amount.
Protect your health
- 24/7 Emergency Assistance Help Line
- Emergency Medical & Dental Expenses
- Emergency Evacuations
- Bedside Companion Travel
- Emergency Medications
Protect Your Trip
- Trip Cancellation
- Optional Cancel for Any Reason (Explorer or Epic)
- Trip Delay & Trip Interruption
- Missed Connection (Explorer or Epic)
- Rental Car Damage (Explorer, Epic or Annual)
Protect Your Stuff
- Baggage Delay
- Passport and Visa Loss
- Lost or Stolen Bags
- Personal Tech, Equipment & Gear
- Baggage Return After Evacuation
Non-Insurance Services
- Medical & Non-Medical 24/7 Emergency Assistance Line
- Translators Available
- Runway Health
- FootprintID
- Blue Ribbon Bags
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
Before your trip, check the latest government advice for any travel alerts for your destination.