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Travel insurance for Mexico: What options are there?
Choosing the best travel insurance for Mexico can be complicated. That's why we help you by analysing five great options.
Many travellers have their sights set on Mexico. Whether it’s the paradisical beaches on the Caribbean coast or the famous Chichen Itza, considered one of the Seven Wonders of the Modern World, Mexico is captivating at first sight. So if you’re planning to visit this culturally rich country, you don’t want to leave anything to chance. At least the important ones, such as being covered in case of medical emergencies, accidents, or other unforeseen events. As you are probably a cautious traveller, in this post we tell you which are the five best travel insurances for Mexico (and which one we think is the most suitable). We evaluate what your policies offer, the pros and cons of each case.
Why take out travel insurance for Mexico?
Whether you’re travelling to Mexico on purely tourist plans or planning to spend a stay working as a digital nomad, travel insurance will give you peace of mind that, in the event of any eventuality, you’ll be covered. Be aware that the country’s health services are of high quality in major cities, but medical costs for tourists can be prohibitively high.
For example, a medical consultation in a private clinic can cost around $100 US, while more serious treatment, such as hospitalisation, can cost thousands of dollars. Imagine a particularly spicy food that hits your stomach like a bomb. At that point, you’ll be grateful for having a travel insurance.
Moreover, unfortunate events during travel aren’t only limited to health problems. Lost luggage, flight delays, or accidents during tourist activities are common situations that can occur during travel.
That’s why a travel insurance for Mexico will cover you in case of accidents, illness or any other emergency. It’s also useful for protecting your belongings and getting compensation if your flight is delayed or cancelled. Considering that you don’t want to spend money that could be used for the entrance fee to Xcaret on medical assistance, don’t under any circumstances fail to travel with insurance.
What should a travel insurance for Mexico cover?
As in most cases, good travel insurance for Mexico should include comprehensive coverage for different situations. While these may vary depending on the type of trip you have in mind (spending a few days in an all-inclusive hotel in Cancun’s Hotel Zone isn’t the same as exploring the archaeological sites of the Yucatan or taking a tour of cenotes), it’ll be the type of coverage you need. If you plan to go scuba diving, snorkelling or trekking, for example, be sure to consider insurance that provides cover for outdoor sports or activities.
Some of the essential benefits to consider when choosing insurance are:
- Medical cover: Medical expenses in case of accident or illness, preferably above $500,000 US.
- Repatriation and evacuation: It’s essential that the insurance covers repatriation costs in the event of serious illness or death.
- Lost or stolen luggage: This is one of the most common situations when travelling, so your insurance should provide cover to protect your belongings.
- Flight delay or cancellation support: Airlines don’t always adequately compensate for delays or cancellations, so insurance to cover these incidents is vital.
- Liability: Protects you if you cause damage to other people or property during your trip.
- 24/7 assistance: It’s important to have immediate attention in your language in case of emergency. If you come from Latin America, this won’t be a problem. But, perhaps you’re travelling from a non-Spanish speaking country. In that case, having assistance in your language can save you a lot of troubles.
- Sports insurance: Although not a prerequisite, bear in mind that you’re travelling to a country where you’ll be able to experience a wide range of adventures. You should therefore be covered for accidents arising from activities such as hiking, snorkelling, scuba diving, or mountain biking.
- Trip cancellation: This is another important point that should be included in your travel insurance for Mexico. Travel is very expensive, and more than once we spend all our savings on it. Now, what happens if for some reason you have to cancel your trip? You should have cancellation cover of at least $2,000-3,000 US to cover the costs of flights, accommodation, car hire or excursions you’ve already booked.
Based on all these points, you’ll be able to evaluate which is the best travel insurance for Mexico. However, in the following section we help you make your choice by comparing five alternatives.
Comparison of the best travel insurances for Mexico
Below is a comparison of the best travel insurance for Mexico, evaluating key features such as price, medical coverage, repatriation and emergency care.
| Feature | IATI (Backpacker) | Intermundial (Totaltravel mini) | AXA (Mini) | Chapka (CAP TRIP Basic) | HeyMondo (Ease of Mind Travel) |
| Price (7 days) | €47.36 ($48.86 US) | €54.96 ($56.70 US) | €37.65 ($38.84 US) | €26.76 ($27.61 US) | €33.81 ($34.81 US) |
| Medical expenses | €500,000 ($515,820.21 US) | €300,000 ($309,492.12 US) | €25,000 ($25,791.01 US) | €250,000 ($257,910.10 US) | €600,000 ($618,984.25 US) |
| Repatriation | 100% | 100% | 100% | 100% | 100% |
| Lost or stolen luggage | €1,500 ($1,547.46 US) | €1,500 ($1,547.46 US) | €500 ($515.82 US) | €800 ($825.31 US) | €1,500 ($1,547.46 US) |
| 24/7 assistance | Yes | Yes | Yes | Yes | Yes |
| Trip cancellation | Optional | Optional: €1,500 ($1,547.46 US) | Optional | Optional | Optional |
| Coverage for adventure sports | Yes | No | Optional | No | Basic |
| Civil liability | €60,000 ($61,898.42 US) | €50,000 ($51,582.02 US) | €10,000 ($10,316.40 US) | €40,000 ($41,265.62 US): Deductible €150 ($154.75 US) | €60,000 ($61,898.42 US) |
| Flight delay support | €270 (€90 every 6 hours of delay) – $278.54 US ($92.85 US every 6 hours of delay) | €150 ($154.75 US) | No | €150 ($154.75 US) | €300 ($309.49 US) |
The 5 best travel insurances for Mexico
Here we tell you a bit more about what the different travel insurances for Mexico we present in the comparison chart have to offer.
1. IATI Seguros
IATI Seguros offers comprehensive coverage and excellent value for money. One of the highlights of IATI is that you don’t need to advance money in case of a medical emergency, as the insurance pays the clinics directly. In addition, their adventure sports coverage is an important plus if you plan to do outdoor activities in Mexico, such as scuba diving, surfing, or hiking.
- Advantages: High medical coverage, 24/7 multilingual assistance, pays clinics directly, offers coverage for adventure sports.
- Disadvantages: Slightly higher price than other basic travel insurance options for Mexico.
2. Intermundial
Intermundial is another agency offering good travel insurance for Mexico. Its plans include Totaltravel mini, Totaltravel and Totaltravel Premium, with extensive medical coverage (which increases as the price increases). One detail to bear in mind is that Intermundial products are for legal residents of Spain, with no age limit. If you don’t live in Spain, you’ll have to opt for the Go Schengen Plus, an insurance policy that offers €500,000 ($515,820.21 US) of medical assistance and travel cancellation protection included.
Intermundial has a free app that allows you to communicate with a medical professional by video call.
- Advantages: Mobile application for medical consultations via video call, extensive coverage and access to quality medical care, 24/7 support.
- Disadvantages: It’s limited to residents of Spain only; the price of its policies is high compared to other insurance companies, and it does not include coverage for extreme sports.
3. AXA
AXA is an economical option that offers basic cover, ideal for those on a tighter budget. The good news is that if you want to be covered for adventure sports, you can pay extra and travel with peace of mind that you have that benefit.
In the table we compare the AXA Miniplan, which includes basic health and repatriation cover. But, you can also have a more comprehensive policy with the AXA Completeplan.
- Advantages: Affordable price.
- Disadvantages: Extreme sports aren’t included in the basic plan.
4. Chapka
Chapka is one of the best travel insurances for Mexico. It’s known for offering comprehensive cover at affordable prices, ideal for budget travellers. Although its coverage for extreme sports is limited, it’s still an excellent option for those seeking affordable insurance without compromising quality. In case you want more extensive sports and trip cancellation cover, you can take out the CAP TRIP PLUS plan.
- Advantages: Comprehensive medical coverage, affordable price.
- Disadvantages: No extreme sports or trip cancellation cover.
5. HeyMondo (Ease of Mind Travel)
Heymondo stands out for being an easy to take out insurance, with 24/7 assistance and basic coverage for adventure sports. It’s ideal for those seeking a balance between price and coverage.
If you’re looking for a more complete plan, you can opt for their flagship product: Top Travel. This plan is aimed at people under 70 years of age, has medical cover for €3,000,000 ($3,094,921.23 US) and full adventure sports protection.
- Advantages: Affordable price, free app with medical chat and video consultation.
- Disadvantages: Basic sports coverage, more limited medical coverage than other insurances.
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Which is the best travel insurance for Mexico?
After analysing the different travel insurance proposals for Mexico, we came to the conclusion that IATI Seguros is the best option, both in terms of price and variety of plans. It’s one of the most prestigious insurers in the market, with a long history of offering travel insurance anywhere in the world. You can therefore rest assured that you are in good hands.
Its extensive medical cover, adventure sports assistance, and the possibility of handling emergencies without the need to advance money make it a favourite among travellers. In addition, their 24/7 multilingual assistance is a big plus.
Among its plan options we suggest IATI Backpacker, an international travel insurance for people under 71 years of age, with €500,000 ($515,820.21 US) of medical coverage, adventure sports protection, and Covid-19 guarantee.
Another reason why we chose IATI Seguros is its free app with which you’ll have a medical chat. It’s activated two days before the start of the trip and has many specialties, including paediatrics and gynaecology.
Travel insurances for Mexico: Frequently asked questions
No, Mexico doesn’t require travel insurance to enter the country. However, it’s strongly recommended to hire one, as medical costs in the country can be high, especially in private hospitals. Travel insurance can protect you against medical emergencies, accidents, theft, or flight cancellations.
Yes, most travel insurances include COVID-19 related coverage. This may include medical expenses arising from the illness, as well as repatriation in case of serious complications. It’s important to check the specific conditions of your policy and ensure that it also covers cancellation or interruption of your trip due to a COVID-19 diagnosis prior to your departure.
In case you need medical assistance in Mexico, you should immediately contact your insurance company’s 24/7 hotline. They’ll guide you on how to proceed and point you to the nearest affiliated hospitals or clinics where you can receive care without having to pay out of pocket.
Some travel insurances include coverage for adventure sports, such as diving, snorkelling, or surfing, which are popular in Mexico. However, not all plans offer this benefit, so it is important to choose a policy that specifically includes these activities if you plan to participate in them.
