mexico is open for tourists

Travel Insurance for Mexico – Best Insurance and Cost

If you're traveling this summer, check which travel insurance covers COVID-19 (test and treatment abroad). ALSO, NEW DELTA VARIANT!

Travel insurance for Mexico is one of the first things you should think about buying when you’re planning a trip to Mexico.

Lots of unexpected things can happen while you’re traveling: you can miss a flight, experience unexpected illness, or even lose your personal belongings. Without travel insurance to Mexico, you would have to buy a new plane ticket yourself, pay all your healthcare fees out of pocket, and replace your lost belongings at your own expense.

health insurance for travel to Mexico

Travel Insurance for Mexico – Best Insurance and Cost

On the other hand, having Mexico travel insurance means that when something unforeseen comes up, you’re covered. Instead of having to pay for everything yourself, your insurance company will cover it for you. Also, you should always make sure that you have the best travel insurance with COVID-19 coverage just in case you need to quarantine or get tested during your trip.

Having travel insurance is not an entry requirement for Mexico, but it’s always a good idea to travel with some kind of travel insurance for Mexico, especially during the COVID-19 pandemic.

When we traveled to Mexico recently, we used Heymondo since it provides extensive coverage for an affordable price. For me, it’s the best travel insurance for Mexico.

There are also plenty of other great options for travel insurance to Mexico depending on what you’re looking for, so keep reading to find out more about Mexico travel insurance.

Best travel insurance for Mexico

To sum it up, these are the best travel insurance for a Mexico trip:

  1. Heymondo – the best overall travel insurance for Mexico
  2. World Nomads – the cheapest travel insurance for Mexico
  3. IMG – a cheap Mexico travel insurance
  4. World Trips – an affordable travel health insurance for Mexico
  5. AIG – reliable insurance for travel to Mexico
  6. Travelex – a great travel insurance for Mexico

If you’re interested in travel insurance for other trips or countries, check out our guide to the best travel insurance companies.

Do I need travel insurance for Mexico?

You might be asking yourself, do I need travel insurance for Mexico? The answer is that it’s not an entry requirement to have travel insurance for Mexico, but you really shouldn’t travel without it. You can check our guide Is Mexico open for travel? for more information on Mexico’s entry requirements.

travel health insurance Mexico

Do I need travel insurance for Mexico?

Of course, Mexico travel insurance is always great for covering trip delays, lost baggage, and medical emergencies, all of which are common travel mishaps that can be inconvenient and expensive to pay for yourself. Having insurance for travel to Mexico can help you avoid a lot of hassle and give you the peace of mind that comes from knowing your insurance has you covered.

Additionally, there are several common situations for tourists in Mexico where it would be particularly advisable to have travel insurance for Mexico:

  • You could drink tap water or ice made from tap water and get extremely sick. Tourists are generally advised to avoid all tap water in Mexico. However, sometimes is difficult to avoid if you go to restaurants. If you drink tap water and become ill, the last thing you’ll want to worry about is having to pay your medical bills. Make sure to get insurance for traveling to Mexico so that you know you’re covered.
  • Some areas in Mexico are not that safe. You could get pickpocketed or have your purse stolen. Instead of having to deal with the stress of replacing your valuables, purchase good travel insurance for Mexico that will cover any lost or stolen belongings.
  • You could contract COVID-19, in which case you will need to cover testing, treatment, and extended accommodation fees if you have to quarantine. Reliable travel insurance for Mexico with COVID-19 coverage will ensure that you don’t have to pay for any COVID- related fees out of pocket.

Cost of Travel Insurance to Mexico

The cost of travel insurance to Mexico can be affected by a variety of factors: your age, your nationality, your state (if you live in the US), the length of your trip, and the cost of your trip. In general, the shorter and less expensive the trip you take, the more likely you’ll get cheap Mexico travel insurance.

However, some insurance policies’ prices, such as Heymondo’s, are not based on the cost of your trip, so keep this in mind if you want a more stable and affordable price for your travel insurance to Mexico.

How much is travel insurance to Mexico?

To compare the cost of travel insurance to Mexico, we have used the example of a 30-year-old American who lives in Pennsylvania, who is traveling to Mexico for two weeks, and whose trip costs $2,500.

 

HEYMONDO TOP

WORLDNOMADS STANDARD

IMG ITRAVELINSURED TRAVEL LITE

WORLDTRIPS ATLAS JOURNEY ECONOMY

AIG TRAVEL GUARD ESSENTIAL

TRAVELEX TRAVEL BASIC

Price

$70.75

$68.63

$69.00

$78.00

$116.48

$76.00

Medical Expenses Paid Upfront

Yes

No

No

No

No

No

COVID coverage

Testing/Treatment

Treatment

Treatment

Treatment

Treatment

Treatment

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% of $2,500*

100% of $2,500*

100% of $2,500*

100% of $2,500*

Baggage Loss

$1,700

$1,000

$750

$1,000

$750

$500

BEST TRAVEL INSURANCE FOR MEXICO

*Price used for example. Price of the travel insurance for Mexico will vary depending on the trip cost selected.

Best Travel Medical Insurance for Mexico

As you can see from the comparison chart above, Heymondo is the best travel insurance for a Mexico trip. Their policy offers the most extensive coverage in every category. Plus, they are the only company that pays travelers’ medical expenses directly instead of having them pay out of pocket and then file a claim. That’s why Heymondo is also the best travel medical insurance for Mexico.

You can even save 5% on Heymondo’s policies with the discount link below.

Before you decide which Mexico travel insurance to buy, keep reading to find out more about each insurance company and their policies’ coverage.

1. Heymondo, the best overall travel insurance for Mexico

Heymondo is by far 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 expenses while still being affordable.

Their policies are also the most convenient for health insurance while traveling in Mexico. Unlike most insurance policies, where travelers pay for medical expenses upfront and are only reimbursed after they file a claim, all Heymondo’s policies ensure that you won’t have to pay any medical fees 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.

Heymondo, health insurance for travel to Mexico

Additionally, their policies can be customized to include 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 cost $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

We have been using Heymondo as our travel insurance for years and can’t recommend it enough, but you can also check out our Heymondo travel insurance guide to learn more about our experience.

As an added bonus, you can even get a discount on Heymondo insurance just for being our reader.

2. World Nomads, the cheapest travel insurance for Mexico

World Nomads is the option for you if you want the cheapest Mexico travel insurance. Their plans are well-priced and offer a good amount of coverage for medical- and travel-related expenses.

They offer two plans: the cheaper Standard plan and the more expensive and comprehensive Explorer plan. Both plans include adventure sports coverage on top of the usual travel- and medical-related expenses like evacuation, trip delay, and emergency medical fees, so World Nomads is a great choice of Mexico travel insurance for adrenaline junkies.

WorldNomads, travel health insurance for Mexico

However, while World Nomads insurance may be slightly cheaper than Heymondo’s, their coverage amount in all categories is much lower. They also do not cover COVID-19 testing and only cover COVID-19 treatment if you can provide proof of diagnosis and illness from a doctor, so they are not the best option for travel insurance for Mexico with COVID-19 coverage.

On the other hand, like Heymondo, World Nomads doesn’t ask for much information when calculating your insurance price. All you need to do is input your country of residence, destination, length of trip, and age.

Below is an example of World Nomads Standard coverage for a 30-year-old American traveling to Mexico for 14 days whose trip cost $2,500:

  • Price: $68.63
  • Upfront, out-of-pocket payments from travelers: Yes
  • COVID coverage: Treatment
  • Emergency medical expenses: $100,000
  • Repatriation: $300,000
  • Trip cancellation: $2,500
  • Baggage loss: $1,000

3. IMG, a cheap Mexico travel insurance

IMG is another fantastic option for cheap travel insurance for Mexico. They offer a wide variety of insurance options for travelers, from travel insurance like iTravelInsured Travel Lite, Travel SE, and Travel LX to medical insurance for travel to Mexico like Patriot International and Patriot Platinum International.

You may decide that you want medical travel insurance for Mexico without coverage for travel-related expenses like trip delay and baggage loss. In that case, IMG offers the cheapest travel medical insurance for Mexico with their Patriot International and Patriot Platinum International plans.

IMG, best travel health insurance for Mexico

However, keep in mind that you will have to pay your medical expenses out of pocket and then file a claim, unlike Heymondo.

To get your IMG travel insurance to Mexico price, you will need to enter the length 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 traveling to Mexico for 14 days whose trip cost $2,500:

  • Price: $69.00
  • Upfront, out-of-pocket payments from travelers: Yes
  • COVID coverage: Treatment
  • Emergency medical expenses: $100,000
  • Repatriation: $250,000
  • Trip cancellation: 100% of $2,500 (trip cost used for example)
  • Baggage loss: $750

4. World Trips, an affordable travel health insurance for Mexico

World Trips (formerly known as Tokio Marine) offers relatively affordable insurance for traveling to Mexico. They offer three different types of travel insurance, Atlas Journey Economy (the cheapest), Atlas Journey Preferred, and Atlas Journey Premier (the most expensive), as well as medical-only travel insurance for Mexico.

World Trips’ travel insurance for Mexico includes coverage for pre-existing conditions as long as their plan is purchased within 21 days of the initial trip payment date, so they are 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 is helpful if you think you may have to cancel your trip due to a reason that is not injury, death, illness, or a natural disaster.

World Trips, travel medical insurance for Mexico

In order to get the cost of World Trips’ travel insurance to Mexico, you must input your age, state of residence (if you live in the US), trip dates, trip cost, and date of initial trip payment. Because your insurance price depends on your trip cost, World Trips’ insurance for travel to Mexico will be more expensive if your trip costs more, unlike Heymondo, which doesn’t base Mexico travel insurance prices on trip cost.

Below is an example of World Trips Atlas Journey Economy coverage for a 30-year-old American traveling to Mexico for 14 days whose trip cost $2,500:

  • Price: $78.00
  • Upfront, out-of-pocket payments from travelers: Yes
  • COVID coverage: Treatment
  • Emergency medical expenses: $25,000
  • Repatriation: $250,000
  • Trip cancellation: 100% of $2,500 (trip cost used for example)
  • Baggage loss: $1,000

5. AIG tRAVEL gUARD, reliable insurance for travel to Mexico

AIG provides great travel insurance to Mexico from the USA. Their Travel Guard Essential, Preferred, and Deluxe plans are all geared toward American travelers who are visiting Mexico.

AIG Preferred and Deluxe plans can be upgraded to include “Cancel for Any Reason” coverage, and their trip interruption coverage is up to 150% of the insured trip cost. However, their overall coverage-to-price ratio is not the best, since they offer some of the lowest coverage at the most expensive price.

AIG, cheap Mexico travel insurance

AIG also requires a lot of information in order to obtain your cost of travel insurance to Mexico, so it is not the most convenient travel insurance to Mexico. You must enter your destination, mode of transportation, dates of the trip, state of residence (if you live in the US), date of birth, trip cost, and initial payment date.

Below is an example 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
  • Upfront, out-of-pocket payments from travelers: Yes
  • COVID coverage: Treatment
  • Emergency medical expenses: $15,000
  • Repatriation: $150,000
  • Trip cancellation: 100% of $2,500 (trip cost used for example)
  • Baggage loss: $750

6. Travelex, a great travel insurance for Mexico

Travelex is another good choice for travel insurance to Mexico from the USA. Like AIG, Travelex’s insurance is designed for Americans who are traveling internationally.

They have two plans: the cheaper Travel Basic Plan and the more expensive Travel Select plan. Besides typical medical- and travel-related coverage, the Basic plan includes a frequent traveler benefit, and the Select plan even offers license fee reimbursement and sporting equipment delay coverage.

Travelex, health insurance Mexico travel

On the other hand, Travelex offers the lowest coverage out of all the companies I compared for a price that’s pretty much the same as others that offer higher coverage.

You must enter your destination, US state of residence, trip dates, age, and trip cost to get the price of your Travelex Mexico travel insurance.

Below is an example of Travelex Travel Basic coverage for a 30-year-old American traveling to Mexico for 14 days whose trip cost $2,500:

  • Price: $76.00
  • Upfront, out-of-pocket payments from travelers: Yes
  • COVID coverage: Treatment
  • Emergency medical expenses: $15,000
  • Repatriation: $100,000
  • Trip cancellation: 100% of $2,500 (trip cost used for example)
  • Baggage loss: $500

What Travel Insurance Do I Need for Mexico?

It may not be an entry requirement to have travel insurance for Mexico, but you should not travel to Mexico without some kind of Mexico travel health insurance coverage.

Now that I’ve compared all of the different options for travel insurance to Mexico, you can see that Heymondo has the best travel insurance for Mexico since their policies offer the highest amount 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 to Mexico. If you have any questions about Mexico travel insurance, leave a comment below and I’ll happily answer your question!

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COFOUNDER & TRAVEL JUNKIE

Hi, I'm Ascen, a globetrotter based in Philadelphia, USA. I enjoy exploring new landscapes and creating in-depth travel guides for Capture the Atlas.

I have felt a special connection with nature and all the inhabitants of the planet since I was a kid. I am passionate about discovering new countries and especially their wildlife, but no matter how many places I visit, I will always belong to the remote beaches of Almería, in Southern Spain.

You can know a little more about me here.

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