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Travel insurance for Mexico: Which one should you choose?
Analysis and comparison of the best travel insurance for Mexico – we help you choose the one that fits your needs best.
Travel insurance for Mexico comes in many options, but the challenge is choosing the right one. This stunning Latin American country has it all: Turquoise beaches, Mayan ruins in the jungle, magical towns, volcanoes, vibrant cities, and cuisine recognised as a World Heritage treasure. However, unexpected situations during a trip can be as diverse as its landscapes: A mild food poisoning, theft, a delayed domestic flight, or an injury on an excursion. That’s when your insurance steps in, helping you avoid stress and prevent large out-of-pocket expenses.
Simply put, if you’re planning a trip, you can’t skip choosing insurance for Mexico that ensures full coverage, peace of mind, and 24/7 support. To make your choice easier, we’ll explain which coverages you should look for, the most recommended plans, and how to find the right one according to your travel style, budget, and type of adventure.
Why should I buy travel insurance for Mexico?
We’ve already said it: Unexpected events are common in a country as vast and varied as Mexico. From spicy, delicious Mexican food to coral-filled beaches for snorkelling or jungle-covered ruins, Mexico offers adventures for every traveller. Yet, those same adventures might turn into unpleasant moments if you’re not covered.
Although travel insurance for Mexico isn’t always a migration requirement for visitors from Chile, Colombia, the United States, or Spain (among others), getting this type of cover can mean the difference between a smooth trip and a costly problem. The public healthcare system doesn’t cover foreign visitors, and private clinics often charge high fees, especially in tourist areas like Cancún, Tulum, Mexico City, or Los Cabos.
Imagine a simple medical consultation costing between $50 (€47,50) and $150 (€142,50), while a hospital stay may exceed $1,000 (€950) per day. Add possible extra costs for medicines, tests, or ambulance transfers. Now, think about an emergency surgery or repatriation—those expenses can skyrocket. You don’t want to spend the money reserved for a Bacalar lagoon tour, Teotihuacán Pyramid entry, or Xcaret Park ticket on medical care.
Once you arrive in Mexico, you’ll probably want to enjoy activities like diving, zip-lining, hiking, surfing, or swimming in cenotes. All these increase accident risks, and not every basic insurance plan covers them. You might also face lost luggage on domestic flights, thefts in tourist areas, or trip cancellations due to weather events like hurricanes, especially between June and November.
Buying good insurance not only protects you from these risks but also gives you peace of mind to enjoy every moment of your trip.
What should a travel insurance for Mexico cover?
Mexico’s diversity of landscapes, activities, and environments makes it essential to have travel insurance with full, destination-specific cover. These are the key features your policy shouldn’t miss:
- International medical cover: Every good policy must include medical expenses for illness or accident, hospitalisation, medicines, consultations, and surgery. For Mexico, we recommend a minimum of $315,000 (€300,000), since private hospital costs can be high, especially in tourist zones.
- Medical or funeral repatriation: In case of a serious accident or death, the insurance must cover repatriation to your home country. Top-tier plans usually offer unlimited cover.
- Lost or stolen luggage: A solid policy should cover between $1,050 (€1,000) and $2,625 (€2,500) for loss or theft, including electronics if possible. Pay close attention if you’re a digital nomad, remote worker, or student in Mexico, since you rely heavily on your phone or laptop.
- Flight delays: Airports such as Mexico City or Cancún often face delays. Your insurance should cover extra expenses from delays or cancellations, including meals, accommodation, or alternative transport.
- 24/7 assistance in English: Vital for solving issues without language barriers. The best insurers offer instant help in your language by phone, app, or chat.
- Outdoor or water-sport cover: Mexico is a paradise for outdoor and aquatic adventures. If you plan to snorkel, zip-line, surf, hike, or swim in cenotes, choose insurance that includes adventure or recreational sports. Some plans include them as standard, while others require an add-on. This is key for carefree exploration.
- Personal liability: This protects you against accidental damage to others (for example, causing a minor accident). It’s essential if you plan to travel independently.
Important: If you are a frequent traveler and want to stay connected without worrying about expensive roaming or looking for a new SIM at every destination, Holafly’s subscription plans are for you. With a single eSIM, enjoy internet in more than 160 countries for a fixed price and no surprises on your bill. Travel without limits and connect easily and securely! 🚀🌍
What are the best travel insurance options for Mexico? Full comparison
Because Mexico attracts millions of tourists, many companies offer travel insurance for this destination. However, not all include risky-sports cover, some apply deductibles, and others exclude seniors. Before choosing, analyse each policy carefully, read the fine print, and clear every doubt.
We’ve prepared a comparison table of the five best travel insurances for Mexico (according to our criteria). Prices are approximate; request a personalised quote based on your trip length, age, and preferred coverage level.
| Coverage | IATI Backpacker / Star | Heymondo Tranquillity / Premium | Intermundial Totaltravel Mini / Premium | AXA Mini / Total Plus | Chapka Cap Trip Plus / Basic |
|---|---|---|---|---|---|
| Price for seven days | $52–116 (€49.40–110,20) | $36–75 (€34–70) | $61–66 (€58–63) | $42–44 (€40–42) | $30–61 (€28–58) |
| Medical expenses | $525,000–1,050,000 (€500,000–1,000,000) | Up to $10,500 (€10,000) | $315,000 (€300,000) / increases with Premium plan | Up to $1,050,000 (€1,000,000) | Up to $262,500 (€250,000) |
| Repatriation / evacuation | Included, no deductible | Included in all plans | Included | Included | Included |
| Luggage theft / loss | $1,575–2,625 (€1,500–2,500) | Up to $1,575–4,200 (€1,500–4,000) | Up to $1,575 (€1,500) | $525–840 (€500–800) | Up to $840 (€800) |
| 24/7 assistance in Spanish | Yes, no upfront payment required | Yes, app and medical chat | Yes | Multilingual | Yes |
| Trip cancellation | Optional in Star | Included in Premium | Optional module | Optional | Optional |
| Excess / deductible | No deductible | No deductible | May apply per plan | Variable | Variable |
| Adventure sports | Yes (depends on plan) | Included in Premium | Optional extra | Optional | Included in Cap Trip Plus |
| Civil liability | Up to $63,000 (€60,000) | Up to $63,000 (€60,000) | Up to $52,500 (€50,000) | Up to $10,500 (€10,000) | Up to $42,000 (€40,000) with deductible |
| Flight delays / compensation | Up to $283,500 (€270,000) | Up to $315 (€300) | Up to $157.50 (€150) | Included | $157.50 (€150) |
Comparison of the best travel insurances for Mexico
What does each travel insurance for Mexico offer?
You already know our selection of the best travel insurances for Mexico and their main cover details. Now, let’s go further and explain each plan’s strengths and weaknesses, which types suit Mexico best, and what makes each unique.
1- IATI Insurance: experience, reliability, and tailored plans for every traveller
IATI is one of the most recognised insurers in the Spanish-speaking world. With over 135 years of experience, it has earned travellers’ trust through its travel-focused policies and full Spanish assistance. For trips to Mexico, IATI offers several options suited to both tight budgets and demanding adventures.
Recommended plans for Mexico
- IATI Basic: Medical cover: $52,500 (€50,000) Ideal for short trips or destinations with solid healthcare. No excess. Estimated price for seven days: $28 (€26,60)
- IATI Standard: Medical cover: $315,000 (€300,000) Balanced protection at a fair price. No excess. Estimated price for seven days: $37 (€35,00)
- IATI Backpacker: Medical cover: $525,000 (€500,000) Includes adventure sports and trekking. Great for long trips or off-route travellers. No excess. Estimated price for seven days: $52 (€49,40)
- IATI Star: Medical cover: $1,050,000 (€1,000,000) The most complete plan, ideal for exploring multiple Mexican states. No excess. Estimated price for seven days: $116 (€110,20)
Strengths of IATI
- Full English support without upfront payments for hospitalisation.
- Extensive medical cover and unlimited repatriation.
- Includes outdoor and adventure sports from the Backpacker plan onwards.
- Protection against theft, luggage loss, delays, and liability.
- Optional add-ons like trip cancellation or COVID-19 cover.
Weaknesses:
- The cheapest plan (Basic) may fall short for rural or remote areas.
- Trip cancellation isn’t included in every plan; you must add it separately.
- Not the cheapest option if you only want minimal cover.
Why choose IATI for Mexico?
Because of its long history, clear terms, excellent Spanish support, and plans fitting classic tourists, backpackers, or long-stay travellers. If you want peace of mind and no surprises, IATI Star ranks among the best.
2- Heymondo: technology, instant help, and great value for money
Heymondo is a young but strong insurer focused on digital innovation. It’s become a favourite among frequent travellers thanks to its intuitive app, instant Spanish assistance, and adaptable coverage. For Mexico, it offers excellent value plans with wide protection.
Recommended plans for Mexico
- Heymondo Tranquillity: Medical cover up to $1,312,500 (€1,250,000) 24-hour help and theft protection. No excess. Estimated price for seven days: $36 (€34,20)
- Heymondo Top: Medical cover up to $10,500,000 (€10,000,000) Full protection, no deductible, optional cancellation. No excess. Estimated price for seven days: $62 (€58,90)
- Heymondo Premium: Medical cover : $10,500,000 (€10,000,000) Includes cancellation, adventure sports, in-app help, and full liability cover. No excess. Estimated price for seven days: $75 (€71,25)
Strengths of Heymondo
- Exclusive app with 24/7 medical chat and real-time incident management.
- Very high medical cover, even on mid-tier plans.
- No upfront payments required for medical care.
- Optional modules for cancellation or extreme sports.
- Full Spanish assistance anywhere.
- Excellent price-to-coverage ratio, especially in Tranquillity and Top plans.
Weaknesses:
- Trip cancellation isn’t default; only included in the Premium plan.
- Some extras, like extreme sports, need manual activation.
- The cheapest plan may not suit adventure travellers.
Why choose Heymondo for Mexico?
If you want a modern option with instant in-app medical support, no advance payments, and competitive prices, Heymondo is excellent. Its medical cover is among the highest, ideal for peace of mind and digital convenience while exploring Mexico.
3- Intermundial: flexible, modular insurance for a personalised trip
Intermundial is a Spanish travel specialist with long experience in the tourism sector. Its modular approach stands out, allowing you to customise coverage by trip type. It provides solid medical protection for destinations like Mexico, ideal for travellers who want tailored cover.
Recommended plans for Mexico
- Totaltravel Mini: Medical cover up to $315,000 (€300,000) Includes 24/7 help, repatriation, liability, and luggage cover. No excess. Estimated price for seven days: $61 (€58)
- Totaltravel: Medical cover up to $525,000 (€500,000) Lets you add cancellation or adventure-sport modules. No excess. Estimated price for seven days: $66 (€62,70)
- Totaltravel Premium: Medical cover up to $1,050,000 (€1,000,000) Best for demanding travellers seeking total protection. No excess. Estimated price for seven days: $80 (€76)
Strengths of Intermundial
- Customisable plans with optional modules like cancellation, sports, or cruises.
- Strong medical coverage and 24/7 support.
- Includes delay, lost service, and theft protection from the basic plan.
- Good civil liability cover (up to $52,500 (€50,000) in higher plans)
- Easy online purchase through a clear interface.
Weaknesses:
- Some important modules, like sports or cancellation, aren’t included by default.
- Deductibles may apply, especially in the basic plan.
Why choose Intermundial for Mexico?
Intermundial suits travellers who want tailored protection: From a basic plan to full cover for a long, varied trip. If you plan to mix city visits, beaches, and outdoor fun, you can add what you need without paying for extras you don’t.
4- AXA Assistance: international support and multilingual service
AXA Assistance belongs to one of the world’s largest insurance groups, active in over 60 countries. Its strength lies in global backing, its own medical network, and multilingual help. Travellers visiting Mexico and seeking a solid international brand should consider AXA.
Recommended plans for Mexico
- AXA Mini: medical cover up to $52,500 (€50,000) Basic protection for short trips or low-risk travellers. No excess. Estimated price for seven days: $42 (€39,90)
- AXA Total: Medical cover up to $1,050,000 (€1,000,000) Includes repatriation, lost luggage, delays, and liability. No excess. Estimated price for seven days: $51 (€48,45)
- AXA Total Plus: Medical cover up to $1,050,000 (€1,000,000) Premium plan for long or active trips. No excess. Estimated price for seven days: $66 (€62,70)
Strengths
- Global backing and its own medical network—useful where healthcare varies widely.
- Assistance in several languages, including English.
- Wide protection for theft, delays, and lost services from mid-tier plans.
- Adventure sports and cancellation included in Total Plus.
- Easy online sign-up and excellent global reputation.
Weaknesses:
- The Mini plan offers limited medical cover.
- Some users mention slower reimbursements than digital insurers.
- Not the cheapest if you only need basic health assistance.
Why choose AXA Assistance for Mexico?
Because of its institutional strength, international coverage, and robust plans, AXA is perfect for those wanting the confidence of a leading insurer. The Total Plus plan stands out for including nearly all essential cover without extra modules.
5- Chapka: perfect for long stays and outdoor travellers
Chapka is a French travel insurance company focused on young travellers, digital nomads, and medium or long-term stays. Its flagship product, Cap Trip Plus, includes adventure sports without paid add-ons—a huge advantage for exploring Mexico freely.
Recommended plans for Mexico
- Cap Trip Basic: Medical cover up to $78,750 (€75,000) Entry plan with basic cover only. No excess. Estimated price for seven days: $30 (€28,50)
- Cap Trip Plus: Medical cover up to $262,500 (€250,000) Includes sports, repatriation, theft, delays, and 24/7 help. No excess. Estimated price for seven days: $61 (€58)
Strengths of Chapka
- Cap Trip Plus includes adventure sports by default, no add-on needed.
- Covers delays, lost services, luggage, and solid medical care.
- Perfect for trips up to 90 days with Spanish assistance.
- Optional extras for pregnancy, pets, or group travel.
- Excellent value for those wanting complete cover without overspending.
Weaknesses:
- Cap Trip Basic is too limited for destinations like Mexico.
- Some users report slower response times than digital competitors.
- Trip cancellation isn’t included by default; it requires an extra product.
Why choose Chapka for Mexico?
If you’re planning snorkelling in Cozumel, zip-lining through the jungle, or hiking in Chiapas, Chapka has you covered without extra fees. Its Cap Trip Plus combines fair pricing, Spanish support, and solid protection for adventurous travellers.
Which is the best travel insurance for Mexico?
As you might imagine, choosing the best travel insurance for Mexico depends on the kind of experience you’re after. Still, if we had to highlight one for its balance between medical cover, support, ease of use, and value for money, it would be Heymondo Premium.
This plan offers up to $10,500,000 (€10,000,000) in medical cover, includes trip cancellation, instant medical help via app, and requires no upfront payments for service. It’s perfect for travellers visiting Mexico City or Guadalajara and those exploring remote areas or doing adventure sports.
That said, if you prefer a trusted brand with institutional backing, IATI Star is an excellent choice. And if you want a strong policy without paying extra for outdoor activities, Chapka Cap Trip Plus stands out as the most complete option in that category.
In any case, with any of the five travel insurance plans we’ve mentioned, you can board your flight knowing you’re fully protected against any unexpected event.
How to stay connected while travelling in Mexico
Having internet access from the moment you land in Mexico is crucial for maps, translators, ride apps, or contacting your insurer in an emergency. Another way to travel stress-free and avoid roaming fees is by getting an eSIM.
With Holafly, you can choose between two options depending on your travel duration:
- Daily plans for Mexico: Perfect for trips up to 90 days. They offer unlimited data and instant activation by scanning a QR code. You don’t need to change your number or remove your physical SIM.
- Holafly monthly plans: Ideal for long stays or multi-country trips. You’ll get unlimited internet across 170 destinations, including Mexico.
Both options guarantee a stable connection, 24/7 Spanish support, and full control through the Holafly app. It’s a practical and safe way to stay online during your entire trip.
Frequently asked questions about travel insurance for Mexico
No, Mexico doesn’t require travel insurance for tourists. However, having one is highly recommended and may be needed for certain visas. The public health system doesn’t cover visitors, and private hospitals can be expensive. Many popular activities (tours, excursions, or water sports) also require insurance.
A minimum cover of $315,000 (€300,000) is advised. That’s enough for hospital stays, surgeries, evacuations, and treatments in private clinics in popular destinations like Cancún, Mexico City, or Los Cabos. The best policies offer up to one or even ten million euros.
Yes, but it depends on the plan. For instance, Heymondo Premium and Chapka Cap Trip Plus include recreational sports by default. IATI requires choosing the Backpacker or Star plan. Always check if the activity is included and any height or risk restrictions.
With good travel insurance, you just contact the insurer via app, phone, or online assistance. They’ll arrange your transport, cover expenses directly, and guide you to the nearest medical centre. Insurers like Heymondo and IATI offer full Spanish support.
Some insurers, such as Heymondo or Chapka, allow purchases while abroad, although a waiting period (usually 72 hours) may apply. It’s best to buy it before your trip, so you’re covered from the moment you arrive.
