Travel Insurance for Mexico
Last updated on 12/11/2020
Do I Need Insurance to Travel to Mexico?
Travelers planning a trip to Mexico often ask "Does travel insurance cover Mexico?" or "Do I need insurance to travel to Mexico?". These are great questions to ask when planning a Mexican vacation or business trip. Travelers to Mexico should consider their travel insurance options as they would for any trip, but additional safety precautions and proper planning are ideal especially in the case of Mexico. Food and drinking water safety should be taken into account, but Mexico travelers should also look at crime risk for their specific destinations. Of course, other smaller considerations should be made when weighing whether or not to purchase travel insurance for Mexico as well. These might include looking at what the weather will be like at your destination and packing the proper clothing and footwear or making sure you have the proper adapter to use your electronic devices.
With so much to think about, the answer to "Do I need insurance to travel to Mexico?" really depends on the nature of your trip and your individual needs. But with so many factors, Mexico travel insurance just might save your trip in the event that anything goes awry. Whether it's your first time out of the country or you're a seasoned traveler visiting Mexico for the 10th time, the right travel insurance coverage could make all the difference in the success of your trip. Travel insurance is not currently required for all of Mexico. However, travel insurance with medical coverage is required for visitors to Puerto Vallarta and Riviera Nayarit. This insurance is to protect travelers against any unforeseen medical event, including those derived from covid-19 contagion. We recommend purchasing supplemental insurance to cover trips outside these specific destinations as well as to protect against non-medical related issues.
How Much is Travel Insurance to Mexico?
Similarly, the cost of insurance depends on the specifics of your business trip or vacation. There are a number of factors that determine what you ultimately pay for a plan, including coverages, benefits, and whether or not will be insuring your trip cost. The best way to find out how much travel insurance will cost is by filling out our quote form with your information and then reviewing the quote results. You'll typically see a variety of plans with different levels of coverage.
Is Medicare Valid in Mexico?
This is another very common question for those traveling to Mexico. In general, the answer is no. However, there are a few very specific circumstances in which Medicare may cover you while visiting Mexico. Read about primary vs. secondary health coverage and the limitations of Medicare when traveling abroad to find out how the coverage affects you.
Travel Safety Tips for Mexico
Drinking Water & Food Safety
Drinking water safety has been a longstanding issue for Mexico. The CDC recommends avoiding tap and well water, including ice made from either source. Instead, stick to sealed bottled water, hot tea or coffee, carbonated drinks, or pasteurized milk. Similar guidelines apply to food. Consume only food that is cooked and served hot as well as fruits and vegetables you've peeled/prepared yourself. Room-temperature food items, including street vendor fare, should be avoided. If you will be eating eggs or meat products, make sure that you have the eggs cooked hard and avoid rare-cooked meats. Like drinking milk, any dairy items should be pasteurized.
If you plan to consume alcohol on your Mexican vacation or business trip, exercise extra caution. Consuming too much alcohol may affect your ability to stay vigilant and identify threats. There have also been several recent reports of tainted alcohol being served in tourist hotspots, so stay up to date on areas that may be affected. Additionally, the consumption of alcohol can impact your Mexico travel insurance policy and in some cases prevent you from filing a claim. Be sure to review the details of your coverage before "cutting loose" while on your trip.
Local Weather & What to Pack
As with other aspects of travel to Mexico, what you bring is contingent upon your specific needs and planned activities. Weather can vary depending on the months of the year and the location in Mexico you plan to travel to. Mexico has a wide range of topography from beautiful sandy beaches to rolling hills and towering mountains. It's best to do your research beforehand so you know exactly what to expect. In general, bring only what you need and leave your valuables at home. Packing light makes it easier to adjust your trip plans on the fly. Limiting unnecessary items also helps mitigate losses if your baggage is delayed or lost. Of course, purchasing a Mexico trip insurance plan that includes baggage protection is also a good idea.
Mexico's standard voltage is 127 V, which is roughly the same as the United States' 120 V. While some experts say your electronic devices will work just fine, others explain that the outlets can vary from one location to another, so it's best to plan ahead and bring the proper adapters if you plan to bring any electronics.
Crime Risk & Avoiding Dangers
Try not to look like a tourist. It's best to blend in so that thieves and pickpockets don't identify you as an easy target. Shed the selfie stick and guide book. Be wary in crowded public places and walk with purpose rather than meandering and attracting unwanted attention to yourself.
Keep only the cash you need on your person. Instead, take advantage of the hotel safe or use a money belt that is worn beneath your clothes. As with any situation involving money, retrieve additional cash in as private a location as possible. You'll also want to stick to ATMs that are located inside stores or malls and avoid machines that are on the street or in other open public areas.
Mexico has been entangled in an on-going drug war, which has often been the subject of travel news headlines. While the drug war between cartels, the Mexican government, and rival gangs are ruthless and violent, most of this violence occurs between members away from the most trafficked tourist destinations. You can read more about specific travel alerts and warnings for Mexico here.
Speaking the Language
Spanish is among the top spoken languages in the world with over half a billion speakers and is the official language of Mexico. Although many Mexican citizens speak English (especially those living near the U.S. border), it is a great idea to learn Spanish before your visit. Not only will learning Spanish be helpful when visiting Mexico, but it also be useful in many South American countries as well as Spain in the future. Even if you don't have time to become fluent before departing, it only takes a little time and practice to master some of the most common words and phrases. Learning the language will also help make you less subject to scams that target foreigners. Depending on where you travel, you might encounter additional languages like Nahuatl and Mayan dialects. Believe it or not, there are over 25 languages spoken throughout the country. But fear not because Spanish and English are among the top spoken in the Mexico.
Most Popular Destinations for Mexican Vacations
Determining the best travel destinations in Mexico is largely subjective and depends on what kinds of activities you plan for your trip, the safety of the locations, and accessibility. Some travelers to Mexico love nothing more than to spend the entire vacation at the beach, but others might want to visit historical sites, like the Mayan ruins, or spend time in remote areas hiking the mountains or even skiing in some areas. While there is no objectively "best" location for your trip, we've aggregated this list based on what frequent Mexico travelers around the web recommend. Consider this best-of list as a guide or springboard to plan your trip rather than an itinerary.
Top 10 Travel Destinations for Mexico
- Mexico City
- San Miguel de Allende
- Playa del Carmen
- Puerto Vallarta
- Cabo San Lucas
Top "Less-Traveled" Mexico Destinations
If you prefer to take the "road less traveled", consider some of these other popular yet less-frequented Mexico tourist destinations.
Disclaimer: The information contained in this article serves as a general overview of benefits and should only be used for informational purposes. Refer to your individual certificate of insurance for specific coverages, exclusions and benefits. When in doubt, please contact one of our licensed agents for additional assistance.