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Travel protection for Mexico is one of the initial things you must consider purchasing when planning a trip to Mexico.
Many unforeseen circumstances can occur during travel: you could miss a flight, experience unexpected illness, or even lose your personal belongings. Without travel insurance for Mexico, you would need to personally pay for a replacement plane ticket, all medical fees out of pocket, and replacing any lost possessions on your own dime.
On the other hand, having insurance for travel to Mexico implies that when something unexpected develops, coverage is provided. Instead of personal payment for everything, the insurance company will cover costs. Also, appropriate travel protection with provisions for COVID-19 should always be ensured in case of required quarantine or testing during the trip.
Mexico does not mandate travel insurance for entry, but it is always a wise choice to carry some form of travel protection for Mexico, especially amidst the ongoing COVID-19 pandemic.
When we traveled to Mexico recently, we utilized Heymondo since it provides extensive coverage for an affordable price. For me, it’s the finest travel insurance for Mexico.
There are also plenty of other great alternatives for travel coverage to Mexico based upon what you’re seeking, so continue reading to discover more about Mexico travel coverage and appreciate one of the best destinations in Latin America.
Table of Contents
Best travel insurance for Mexico
To summarize, here are the best travel insurances for a Mexico trip:
- Heymondo – the finest overall travel insurance for Mexico
- World Nomads – the cheapest travel insurance for Mexico
- IMG – an affordable Mexico travel protection
- World Trips – an affordable travel health insurance for Mexico
- AIG – reliable insurance for travel to Mexico
- Travelex – a great travel insurance option for Mexico
If you are interested in travel coverage for other trips or destinations, check our guide to the top travel insurance providers.
Do I need travel insurance for Mexico?
You might be questioning whether travel protection is necessary for trips to Mexico? The reality is that having travel insurance for Mexico is not a requirement but very much advised. You can check our guide Is Mexico open for traveling? for more details on Mexico’s entry policies.
Naturally, travel-specific coverage for Mexico comes in handy for reimbursing trip interruptions, lost luggage costs, and medical bills, which are all fairly common travel inconveniences that can prove expensive out of pocket. Purchasing Mexico travel protection can help dodge hassles and provide reassurance knowing your policy has you covered in case of mishaps.
Also, there are diverse widespread occasions for visitors in Mexico where it would be singularly advisable to have travel protection for Mexico:
- Drinking tap water or having ice produced from the faucet could make you tremendously ill. Travelers to Mexico are usually suggested to avoid all water from the tap. However, sometimes avoiding it is difficult if dining out. If ingesting tap water leads to sickness, being stressed over medical costs is the last thing needed. Make sure to secure insurance for traveling to Mexico to know you`re protected.
- Certain areas of Mexico may not be extremely secure. You risk having your purse stolen or pocket picked. Rather than dealing with the stress of replacing valuables, purchase good travel insurance for Mexico that covers any lost or stolen possessions.
- You could contract COVID-19, in which case you will need to cover testing, treatment, and extended accommodation fees if quarantine becomes necessary. Reliable travel insurance for Mexico that includes coverage for COVID-19 will ensure that you don’t have to pay any costs associated with COVID out of your own funds.
Cost of Travel Insurance to Mexico
The cost of travel protection for trips to Mexico can be influenced by a variety of factors: your age, nationality, region of residence (if from the US), duration of your travel, and expense of your journey. Generally, shorter and less costly trips will qualify for more budget-friendly Mexico trip insurance.
However, certain insurance policies’ pricing structures, such as Heymondo’s, are not dependent on the expense of your journey, so remember this if you want a more stable and cost-effective cost for your travel insurance to Mexico.
How much is travel insurance to Mexico?
To compare the cost associated with obtaining travel protection for a trip to Mexico, we examined the scenario of a 30-year-old American residing in Pennsylvania who is visiting Mexico for two weeks at a trip cost of $2,500.
|
Cost |
$70.75 |
$68.63 |
$69.00 |
$78.00 |
$116.48 |
$76.00 |
|
Costs for Medical Care Provided Upfront |
Yes |
No |
No |
No |
No |
No |
|
Coverage of COVID |
Screening/Treatment |
Care |
Care |
Care |
Care |
Care |
|
Emergency Medical |
$250,000 |
$100,000 |
$100,000 |
$25,000 |
$15,000 |
$15,000 |
|
Repatriation |
$500,000 |
$300,000 |
$250,000 |
$250,000 |
$150,000 |
$100,000 |
|
Trip Cancellation |
$3,500 |
$2,500 |
100% reimbursement of $2,500* |
100% reimbursement of $2,500* |
100% reimbursement of $2,500* |
100% reimbursement of $2,500* |
|
Compensation for Lost Luggage |
$1,700 |
$1,000 |
$750 |
$1,000 |
$750 |
$500 |
|
TOP TRAVEL INSURANCE CHOICES FOR MEXICO |
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*The price is used as an example. The cost of travel insurance for Mexico would vary depending on the trip expenses selected.
Best Travel Medical Insurance for Mexico
As seen from comparison chart above, Heymondo is the best travel protection for a Mexico trip. Their policy provides the most extensive coverage in every class. Also, they are the only company that pays travelers’ medical expenses directly rather than having travelers pay out of pocket first and then file a claim. This is why Heymondo is also the best travel healthcare insurance for Mexico.
You can potentially save 5% on Heymondo’s policies through using the discounted link here.
Before deciding which Mexico travel insurance to purchase, continue reading to find out more about each insurance company and their policies’ coverage .
1. Heymondo, the best overall travel insurance for Mexico
Heymondo is undoubtedly the best travel insurance for a Mexico trip. Their coverage-to-price ratio is extraordinary since they offer an incredibly high amount of coverage for medical- and travel-related expenditures while still being affordable.
Their policies are also the most convenient for health insurance while traveling in Mexico. Differently than most insurance policies, where travelers pay for medical costs upfront and are only reimbursed after they file a claim, all Heymondo’s policies confirm that you won’t have to pay any medical charges out of your own pocket. Instead, Heymondo will pay the hospital or treatment center for you directly, so you don’t even have to worry about filing a claim.
Additionally, their policies can be customized to involve electronic coverage, cruise coverage, and adventure sports coverage, so Heymondo is also the best travel insurance for Cancun, Mexico. To get your Heymondo insurance price, all you need to do is input your country of residence, destination, and length of the trip.
Below is an example of Heymondo Top coverage for a 30-year-old American traveling to Mexico for 14 days whose trip expenditure totaled $2,500:
- Price: $70.75
- Upfront, out-of-pocket payments from travelers: No
- COVID coverage: Testing/treatment
- Emergency medical expenses: $250,000
- Repatriation: $500,000
- Trip cancellation: $3,500
- Baggage loss: $1,700
If you’re uncertain what to see in Garachico, among the first places to see is El Caletón. It’s one of the most renowned natural pools in Tenerife to have a dip.
As an added perk, you can even obtain a discount on Heymondo insurance solely for being our reader .
2. World Nomads, the cheapest travel insurance for Mexico
World Nomads is the selection for you if you want the most cost-effective Mexico travel protection. Their plans offer reasonably priced rates and provide a decent amount of coverage for medical and travel related expenses.
They offer two plans: the more affordable Standard plan and the more costly and comprehensive Explorer plan. Both plans include adventure sports protection in addition to the usual travel- and medical-related costs like evacuation, trip delay, and emergency medical fees, so World Nomads is a great choice of Mexico travel insurance for thrill-seekers.
Although World Nomads insurance may cost slightly less than Heymondo, their coverage amounts are much lower across all categories. Additionally, they do not cover COVID-19 testing and only provide coverage for COVID-19 treatment if you can furnish proof of diagnosis and illness from a medical professional. Therefore, they are not the top selection for travel insurance for Mexico with COVID-19 coverage.
On the contrary, like Heymondo, World Nomads does not demand much identifying data when computing your insurance cost. All that is necessary is entering your nation of residence, destination, duration of the trip, and age.
Below is an example coverage for a 30-year-old American voyaging to Mexico for 14 days whose journey cost $2,500 from World Nomads Standard:
- Price: $68.63
- Advance, out-of-pocket payments from travelers: Yes
- COVID coverage: Treatment
- Coverage for medical costs: $100,000
- Repatriation: $300,000
- Trip cancellation: $2,500
- Baggage loss : $1,000
3. IMG, a cheap Mexico travel insurance
IMG offers another fantastic choice for affordable travel coverage in Mexico. They provide a wide range of insurance options for travelers, from travel insurance like iTravelInsured Travel Lite, Travel SE, and Travel LX to medical insurance for trips to Mexico like Patriot International and Patriot Platinum International.
You may decide you want medical travel insurance for Mexico without coverage for incidental costs like trip delays and lost luggage. In that scenario, IMG provides the most affordable travel medical insurance for Mexico through their Patriot International and Patriot Platinum International plans.
However, keep in mind that you would need to cover your medical costs privately and subsequently submit an insurance claim, unlike selecting Heymondo.
To get your IMG travel insurance to Mexico price, you will need to enter the duration of your trip, the coverage area, your age, your gender, your country of residence, your citizenship, your state of residence (if you live in the US), and your trip cost.
Below is an example of IMG iTravelInsured Travel Lite coverage for a 30-year-old American voyaging to Mexico for 14 days whose journey cost $2,500:
- Price: $69.00
- Advance, out-of-pocket payments from travelers: Yes
- COVID coverage: Treatment
- The maximum medical expenses covered in an emergency is two hundred and fifty thousand dollars.
- Repatriation: $250,000
- Cancellation of Trip: 100% of $2,500 (cost of trip used for example)
- Baggage loss : $750
4. World Trips, an affordable travel health insurance for Mexico
World Trips (previously referred to as Tokio Marine) offers relatively cost-effective insurance for traveling to Mexico. They provide three different types of travel insurance, Atlas Journey Economy (the most affordable option), Atlas Journey Preferred, and Atlas Journey Premier (the most expensive choice), as well as medical-only travel insurance for Mexico.
World Trips is also considered one of the best travel insurance plans for individuals with pre-existing medical issues provided their policy is purchased within 21 days of the initial trip payment date, making them a great choice for anyone with a pre-existing condition. They also offer “Cancel for Any Reason” coverage with their Preferred and Premium plans, which can be helpful if there is a potential need to cancel the trip due to a cause that is not injury, death, illness, or a natural disaster.
To obtain the cost of World Trips` travel coverage to Mexico, you must provide your age, state of residence (if located in the US), trip dates, trip expense, and date of initial trip payment. Because your insurance price is dependent on your trip cost, World Trips` insurance for travel to Mexico will be more pricey if your trip expenses are higher, unlike Heymondo, which does not base Mexico travel coverage prices on trip cost.
Below is an example of coverage details from World Trips Atlas Journey Economy for a 30-year-old American traveling to Mexico for a 14 day trip costing $2,500:
- Price: $78.00
- Advance, out-of-pocket payments from travelers: Yes
- COVID coverage: Treatment
- Emergency medical costs: $25,000
- Repatriation: $250,000
- Cancellation of Trip: 100% of $2,500 (cost of trip used for example)
- Baggage loss : $1,000
5. AIG tRAVEL gUARD, reliable insurance for travel to Mexico
AIG provides excellent travel insurance for Americans traveling to Mexico. Their Travel Guard Essential, Preferred, and Deluxe plans are all tailored toward U.S. travelers visiting Mexico.
AIG Preferred and Deluxe plans can be upgraded to include coverage where trips can be cancelled for any rationale, and their trip interruption coverage extends up to 150% of the insured voyage cost. However, their overall value relative to coverage is not the best, since they offer some of the lowest protection at the priciest rates.
AIG also needs a lot of details to find out your cost of travel medical insurance for a Mexico trip, so it is not the handiest travel medical insurance for Mexico. You must provide your destination, mode of transportation, dates of the journey, state of residence (if living in the US), date of birth, trip cost, and original payment date.
Below is an instance of AIG Travel Guard Essential coverage for a 30-year-old American traveling to Mexico for 14 days whose trip cost $2,500:
- Price: $116.48
- Advance, out-of-pocket payments from travelers: Yes
- COVID coverage: Treatment
- Emergency medical costs: $15,000
- Repatriation: $150,000
- Cancellation of Trip: 100% of $2,500 (cost of trip used for example)
- Baggage loss : $750
6. Travelex, a great travel insurance for Mexico
Travelex is another good choice providing travel insurance to Mexico from the USA. Like AIG, Travelex’s insurance is intended for Americans traveling internationally.
The insurance company offers two travel health coverage plans for customers: a basic Travel Basic plan that is cheaper along with a more expensive Travel Select plan that provides more extensive benefits. In addition to typical medical care and travel protections, the fundamental plan incorporates advantages for frequent voyagers, and the selective plan even refunds permit charges and covers delays in sporting apparatus.
On the other hand, Travelex offers the minimum coverage out of all the companies I reviewed for a price that’s more or less equivalent to others that offer higher coverage.
The US state of residence, trip dates, age, and trip cost must be provided to obtain the price for Travelex Mexico travel insurance.
Below is an example coverage for a 30-year-old American voyaging to Mexico for 14 days whose journey cost $2,500 from Travelex Travel Basic:
- Price: $76.00
- Advance, out-of-pocket payments from travelers: Yes
- COVID coverage: Treatment
- Emergency medical costs: $15,000
- Repatriation: $100,000
- Cancellation of Trip: 100% of $2,500 (cost of trip used for example)
- Baggage loss: $500
What Travel Insurance Do I Need for Mexico?
While travel insurance for Mexico may not be a requirement, one should not travel to Mexico without some form of Mexico travel health insurance coverage.
Now that I’ve compared all of the alternative options for travel insurance to Mexico, you can see that Heymondo has the best travel insurance for Mexico since their policies offer the highest level of coverage while still being very affordable. Plus, remember that you can get Heymondo insurance at an even more affordable price with our reader discount.
I hope this article helped you learn more about the best travel insurance options for Mexico. If you have any questions about insurance for travel to Mexico, feel free to leave a comment below and I’ll happily answer your question!
