The 3 Best Companies for Travel Insurance for Mexico (Including the Company I’ve Used for Years!)

Wondering about Mexico travel insurance?

You’ve landed on the right article — as I live in Mexico, and have since 2018! I’m here to help you navigate the tricky travel insurance for Mexico waters, and by the end of this article, you’ll be a Mexico travel insurance pro.

🤔 What is the best travel insurance for Mexico?

Determining the best Mexico travel insurance policies is a question I get a lot as a Mexico travel writer and Mexico expat.

While there are countless companies, this article covers three companies to purchase travel insurance from. These three will work for the vast majority of travelers and Mexico digital nomads, so I’ve kept it simple.

• Travel Insurance Master — Best site to compare Mexico travel insurance plans so you get the best deal.
• SafetyWing — Best insurance for digital nomads in Mexico and long-term travelers.
• World Nomads — Best insurance for general travelers. (Note: Head to Travel Insurance Master to get a quote from World Nomads and other companies to make sure you get the best rate.)

To determine which insurance is best for you, consider factors like the policy’s total cost, your deductible, the coverage you need, your medical benefits, etc. Don’t worry — we’ll cover all that (and more) in this article.

After you figure out which plan is right for you, check out the Mexico travel insurance FAQ at the end of the article.

Disclaimer: I am not an insurance expert, insurance broker or insurance salesperson. For specific questions about Mexico travel insurance policies, please speak to someone at the company you’re buying the plan from.

Best Travel Insurance for MEXICO

Top 3 Best Mexico Travel Insurance Companies

There are really only three companies I recommend when you want to buy Mexican travel insurance. They are all ideal for different reasons.

There are, however, hundreds of companies out there — but these three will work for pretty much any traveler, so I don’t see a reason to complicate things.

1. Travel Insurance Master

If you’re someone who likes to compare a wide variety of options, they have simplified and streamed the complex world of travel insurance down to just five questions before giving you a list of quotes.

2. SafetyWing Travel Insurance

Perfect for Mexico digital nomads and long-term travelers, with monthly travel policies starting at $42 USD per month. As a Mexico digital nomad myself, I use SafetyWing as my insurance provider.

3. World Nomads

Designed by travelers for travelers, with coverage for more than 150 activities as well as emergency medical, lost luggage, trip cancellation and more. Policies start at just $5 USD per day.

▶ Get your FREE World Nomads quote via Travel Insurance Master, along with quotes from numerous other companies all at once.

Now that you know my Top 3 picks for the best insurance for Mexico, let’s take a deeper dive into all your options below. I want you to have enough knowledge to pick the best Mexican travel insurance policy for you.

Best Mexico Travel Insurance Search Tool

Travel Insurance Master

Travel Insurance Master is an online travel insurance aggregator, providing an easy solution for your followers.

The operative word here is easy! Travel Insurance Master has simplified and stream-lined the process down so much that they even had this feature in Forbes magazine about how revolutionary their search tool is.

Their smart algorithm recommends the best plan and value for your unique trip from 10 reputable providers, like Travelex, Berkshire Hathaway Travel Protection, IMG, GoReady, Trawick International and AIG.

The easy part is that you only answer 3-5 simple questions before you get your results in an easy-to-digest comparison table. ▶ Check it out here.

Travel Insurance Master also offers a wide range of benefits, like Cancel For Any Reason (CFAR) plans.

🚨 Get your FREE quote from Travel Insurance Master now!

🤔 What is a CFar claim?

As the world still isn’t “back to normal” just yet, some companies added CFAR coverage, which means Cancel For Any Reason.

With Travel Insurance Master, you can easily see which companies have CFAR coverage.

🚨 disclaimer: Always read the Fine Print

When buying a travel insurance policy, take the time to read the fine print or call the company to make sure you’re OK with all aspects of the policy, including the CFAR claim and your deductible.

Best Travel Insurance for Mexico Digital Nomads

SafetyWing: Digital Nomad Insurance

SafetyWing is a favorite of long-term travelers and digital nomads who plan to stay a while. It is the company I personally use, as I think it’s the best health insurance for expats in Mexico and digital nomads.

With Mexico’s generous six month/180-day FMM tourist visa (found on your Immigration Form), SafetyWing is the perfect travel insurance provider if you’ll be in Mexico for a long period of time.

Looking into Mexico digital nomad life? Check out this guide to being a digital nomad in Mexico City.

SafetyWing insurance policies start at just $42 USD per month (less than $500 USD for annual travel insurance) — which is a no brainer. This deal is so good that I’m actually a customer of SafetyWing myself!

Basic policies cover travel emergencies, basic medical costs and medical expenses while you’re in Mexico, so you can visit with total peace of mind, for very little money.

🚨 Get your FREE SafetyWing quote now!

Best Travel Insurance for Mexico (General Travel Insurance)

World Nomads: Standard Plan

When it comes to worldwide travel insurance, World Nomads is recommended by more travel companies (like Hostel World) and travel bloggers (like Nomadic Matt) than any other.

They keep it simple with just two plans, the Explorer Plan and Standard Plan, though you can purchase custom coverage add-ons.

As the name states, the Standard Plan is the standard (minimum) coverage any Mexico traveler would want.

Depending on what you pay for, this plan includes a range of benefits, like medical assistance and overseas medical care, coverage for your belongings, pre-trip cancelation and a few adventure activities.

🚨 Get your FREE World Nomads quote via Travel Insurance Master now!

Best Travel Insurance for Mexico Cruises

Travel Insurance Master

🛳 Need Mexico cruise insurance? As one of the world’s top destinations for cruises, millions head to Mexico by sea each year.

Get a FREE quote from Travel Insurance Master using the button below, to see all the dedicated cruise insurance plans.

🚨 Get your FREE quote from Travel Insurance Master now — my recommendation for best Mexico travel insurance for cruise travelers.

Note: I used to recommend the Aardy search tool for cruise insurance, but have found that the Travel Insurance Master search tool is much easier to use.

Best Travel Health Insurance for Mexico

SafetyWing: Remote Health Plan

SafetyWing offers two plans, Digital Nomad Insurance and the Remote Health Plan.

While their digital nomad insurance plan covers long-term travelers with all the travel insurance basics, the Remote Health Plan is actually a medical health insurance plan for travelers.

A fully-equipped health insurance made for remote workers and nomads who spend as much time abroad as they please.

from the SafetyWing website

Plans start at about $210 USD per month, and include everything from hospital treatment, nurse care at home, ambulance rides, inpatient surgery, intensive care unit visits, and more.

This plan is only available by the month, so opt for SafetyWing Digital Nomad Insurance for a shorter term.

🚨 Get your FREE quote from SafetyWing now!

Best Travel Insurance for Mexico Adventure Travel

World Nomads: Explorer Plan

World Nomads Travel Insurance policies offer coverage for more than 150 activities. Their Explorer Plan has all the benefits of a Standard Plan and a few more, like emergency medical evacuation.

For those planning to do a lot of adventure activities like climbing the pyramids in Mexico, or traveling with expensive gear, this plan offers more extensive coverage.

🚗 Mexico car Insurance Add-on

The Explorer Plan is one of the only I’ve seen that offers a Mexico driving insurance add-on.

If you plan on renting a car in Mexico or driving to Mexico, you will need Mexico car insurance. Note: Your U.S. auto policy insurance, or home country policy, won’t be accepted in Mexico.

🚨 Get your FREE World Nomads quote via Travel Insurance Master now!

Best Mexico Travel Insurance for Ages 60+

World Nomads: Standard Plan

The Standard Plan with World Nomads — ie. the exact coverage any traveler would want — covers travelers up to 65-years-old (on most products).

With the Standard Plan, you’re covered for medical, travel plan changes, luggage loss, theft, emergencies and more.

🚨 Get your FREE World Nomads quote via Travel Insurance Master now!

Silver Nomads Plan: Ages 70+

For travelers aged 70 and older, World Nomads has the Silver Nomads Program.

With benefits including trip cancelation, trip interruption, medical expenses, baggage loss and other refundable trip expenses, you’ll travel Mexico with confidence and peace of mind.

Best Travel Insurance for MEXICO

Mexico Safety Tip: Register for the U.S. STEP Program

Though not a travel insurance Mexico tip per se, you should also register for the FREE STEP Program, provided by the U.S. Department of State. Besides your Mexico travel insurance plan, this is an important safety measure.

STEP, Smart Traveler Enrollment Program, offers US citizens assistance in the event of medical emergencies, natural disaster events, and more.

Simply enter your flight and date information and where you’re staying in Mexico, and you’ll be given a contact at the nearest U.S. Embassy, Consulate or Development Office.

In the event of an emergency, they will assist you with safely returning to the U.S.

U.S. Embassy in Mexico Locations

When traveling in a foreign country, you should make it a point to know where the nearest embassy or consulate for your country is located. There is only on U.S. Embassy in Mexico City, but there are these consulates in other cities:

1. Mexico City U.S. Embassy

📲 Phone: +52-1-55-5080-2000 📍 Address: Paseo de la Reforma #305, Colonia Cuauhtémoc, Mexico City CDMX, Mexico 06500

2. Merida U.S. Consulate

📲 Phone: +52-1-999-942-5700 📍 Address: Calle 60 #338, Colonia Alcala Martin, Merida, Yucatan, Mexico 97050

3. Guadalajara U.S. Consulate

📲 Phone: +52-1-338 526 1444 📍 Address: Calle Progreso 175, Colonia Americana, Guadalajara, Jalisco, Mexico 44100

4. Tijuana U.S. Consulate

📲 Phone: +52-1-664-977-2000 📍 Address: Paseo de las Culturas s/n, Mesa de Otay, Delegación Centenario C.P., Tijuana, Baja California, Mexico 22425

5. Monterrey U.S. Consulate

📲 Phone: +52-1-662-289-3500 📍 Address: Avenida Alfonso Reyes #150, Colonia Valle del Poniente, Santa Catarina, Monterrey, Nuevo Leon, Mexico 66196

6. Ciudad Juarez U.S. Consulate

📲 Phone: +52-1-656-227-3000 📍 Address: Paseo de la Victoria #3650, Fraccionamiento Partido Senecú, Ciudad Juarez, Chihuahua, Mexico C.P. 32543

7. Hermosillo U.S. Consulate

📲 Phone: +52-1-662-289-3500 📍 Address: Calle Monterey #141, Colonia Esqueda, Hermosillo, Sonora, Mexico C.P. 83000

8. Matamoros U.S. Consulate

📲 Phone: +52-1-868-208-2000 📍 Address: Calle Constitución #1, Colonia Jardín, Matamoros, Tamaulipas, Mexico 87330

9. Nogales U.S. Consulate

📲 Phone: +55-1-631-313-8150 📍 Address: Calle San José S/N, Fraccionamiento los Alamos, Nogales, Sonora, Mexico C.P. 84065

10. Nuevo Laredo U.S. Consulate

📲 Phone: +55-1-867-714-0512 📍 Address: Paseo Colon #1901, Colonia Madero, Nuevo Laredo, Tamaulipas, Mexico 88360

Best Travel Insurance for MEXICO

Do I need Mexico car insurance? 

Yes — When driving in Mexico, you legally must have Mexico car insurance.

The minimum required coverage is Personal Liability Insurance, which you can get through your most car rental companies; though know some places charge much more than others.

When I rent a car in Mexico, I always use and also recommend Discover Cars. I have paid about $7-10 USD per day for full coverage insurance.

Given how little they charge, I always take their full coverage policy for peace of mind while I’m traveling in Mexico.

As CDW is less than the required Personal Liability Insurance you need to drive in Mexico, many national Mexico car rental companies no longer honor CDW. In years past, they used to, however, in recent years, most no longer will.

🇲🇽 Mexico Car Rental Guides

Headed to Cancun, Mexico, or any of these other top Mexico destinations soon? Then check out these guides to Mexico car rentals in all the most popular cities, so you understand the Mexico rental car process.

In fact, you need to show proof of Mexican insurance to enter Mexico, so you need car insurance to travel to Mexico before you drive across the border.

Planning to drive into Mexico?

Get your FREE quote from Baja Bound — a trusted name in Mexican car insurance for Americans, with great rates and near-perfect reviews.

Best Travel Insurance for MEXICO

Should I buy Mexico travel insurance?

If the “you know what” in 2020 taught us anything, it’s that life (and travel plans) can change completely from one moment to the next.

Even before that, if there was one certainty with travel — it’s that things rarely (if ever) go according to plan on a trip.

For the peace of mind it brings, many travelers buy Mexico travel insurance coverage, though it’s not legally required.

🏝️ Do I need travel insurance for Mexico all inclusive resorts?

Visiting Marival Armony or any of the other best Mexico all inclusive resorts? You’ll be covered to an extent by the resort’s insurance, but you’re not 100% covered as a traveler.

Having your own private Mexico travel insurance means your own policy will kick in if you lose your Gucci sunglasses, get your iPhone stolen, or need medical attention from drinking too much at the open bar (it happens 🥂).

Without insurance, you’re not covered by the resort for personal items or emergencies like these where the resort will claim no fault.

Best Travel Insurance for MEXICO

5 Reasons to buy Mexico travel insurance

I highly recommended Mexico travel insurance for reasons addressed in this article, Do I need travel insurance for Mexico?

If you don’t have time to read another article, here are five reasons you should buy Mexico trip travel insurance:

1️⃣ Travel medical insurance coverage in emergencies

No one plans for accidents, inclement weather, trip interruption, medical emergencies, baggage loss on an overseas trip, etc.

While travel souvenirs are great — large, unexpected medical bills aren’t among the souvenirs you’ll cherish forever.

2️⃣ Trip cancellation coverage for changes you make

Though you may have a solid travel plan in place when you book your trip to Mexico, if something comes up and you have to cancel, trip cancellation insurance will cover this.

3️⃣ Trip cancellation coverage for changes others make

Sometimes, travel plan changes come from your airline, cruise ship, or tour company. In cases like these, you’re covered by Mexico travel insurance too.

Let’s say you’re stranded in a city due to a flight cancelation — insurance covers your hotel room for the night, and more.

4️⃣ Loss or theft of your belongings and luggage

Enjoy peace of mind for everything from the airline losing your luggage, to dropping your phone in the pool, or a stolen laptop.

Theft protection is essential if you have expensive items like designer clothing and sunglasses, jewelry, your computer and camera gear with you.

Best Travel Insurance for MEXICO

Mexico Travel Insurance Frequently Asked Questions

For basic and minimal coverage, you might spend about $5-10 USD per day.

If you need a more comprehensive plan with extra protection, it might be $10-15 USD per day.

If you’re insuring a lot of equipment, like a brand new laptop and expensive camera equipment, your policy might be about $15-25 USD per day.

The good news is you can get a FREE quote to see how much your plan will cost. Head to the places linked below to get a FREE quote from the top Mexico insurance companies.

• World Nomads Insurance — For general travel insurance plans
• SafetyWing Insurance — For Mexico digital nomads and long-term travelers
• Travel Insurance Master — Want to compare plan prices? Use this Mexico travel insurance search tool.

💡 Mexico Travel Insurance Tip: As soon as you purchase a policy, share it with a trusted loved one or family member so they have a copy as well.

Pre-existing conditions aside, you can customize policies to cover everything from climbing Mayan Ruins in Mexico, surfing in Sayulita, extreme sports in a National Park, and swimming with whale sharks in Isla Mujeres.

For example, different plans cover everything from medical coverage, dental and emergency care, delayed baggage, trip cancelation, medical evacuation coverage, physical damage to your belongings, and lost or stolen luggage.

You can also customize for long-term general medical insurance Mexico coverage for digital nomads.

🚨 disclaimer: Always read the Fine Print

The caveat with travel insurance policies is that you must read the fine print! You can also call the insurance company and ask about your specific questions and concerns.

Still wondering, Does American insurance work in Mexico? — or more importantly, Will my American insurance work in Mexico?

Before purchasing a Mexico international travel insurance policy, check with your United States health insurance company first to see if they offer some form of global health insurance coverage that would include Mexico.

However, Mexican car insurance is the only Mexican insurance you do legally need to have — but only if you’re planning to drive in Mexico or drive to Mexico 🚙💨

When I rent a car in Mexico, I always use Discover Cars — and opt for the full coverage insurance through them.

It only costs me about $7 USD per day for complete peace of mind while traveling. Full coverage through Mexico car rental companies often costs much more.

Why is Mexico travel insurance so expensive? is actually a common question — though it always depends on who’s asking it because cheap and expensive are relative terms.

Among the best cheap Mexico travel insurance companies I have ever seen, SafetyWing has policies that start at just $42 USD for a whole month of coverage! With rates this good, I’m actually a customer myself.

If you factor insurance into the total trip cost, that could help with planning your realistic Mexico travel budget.

While we share a land border, Mexico and the U.S. are considered two different regions for trip insurance purposes.

Though the Yucatan Peninsula in eastern Mexico sits on the Caribbean Sea, Mexico is also not usually considered the Caribbean for insurance purposes.

I hope this cleared up the What does Mexico come under for travel insurance? question. However, do note that different insurers set their own parameters, so you’ll always want to double check before purchasing.

Best Travel Insurance for MEXICO

Is Mexico open for travel right now?

YES — In fact, it never closed; at least not to flights. The land borders closed to those driving to Mexico, however, they fully reopened on November 8, 2021.

This was great news for travelers who wanted to drive to Mexico. You can read more about Mexico driving insurance here.

With tourism such a crucial part of Mexico’s economy, Mexico never closed to air travelers.

While cruise travel was on hold for a bit, cruise port cities like Puerto Vallarta, Cozumel Island, Cabo San Lucas, Huatulco and Puerto Progreso began reopening their docks in late-2021.

Since you can travel to Mexico right now, let’s look at the travel insurance options you have from the companies offering the best travel medical insurance for Mexico.

You’ll also learn about some of the many reasons why you should get Mexico insurance coverage. For more information on the Mexico travel situation right now, head here. 

My Final Thoughts on the Best Travel Insurance for Mexico

While on your Mexico vacation, you’ll want to be prepared with travel insurance coverage for the worst case scenario.

It’s the last thing anyone wants to think about — though it makes more sense to think about it before you actually need to. After all, you don’t need insurance… until you need insurance!

Since we can’t plan for every single thing that may arise, the best way to cover all bases is a Mexico travel health insurance policy.

With a good plan from a reputable insurer, like Travel Insurance Master, World Nomads or SafetyWing, you have the peace of mind to fully enjoy Mexico — even if (or when) something unforeseen arises.