Best Travel Insurance for Mexico in 2025

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A. Fruchard
A. Fruchard updated on July 15, 2025
Table of Contents
  • The best travel insurances for Mexico
  • Is it currently safe to travel to Mexico?
  • Is travel insurance required for a Mexican visa?
  • Reasons to Get Travel Insurance for Mexico
  • Coverage included in travel insurance for Mexico
  • The cost of travel insurance for Mexico
  • How to Find Affordable Travel Insurance for Mexico
  • Will my current insurance policy cover me in Mexico?
  • FAQ
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Travel insurance for Mexico: key takeaways

1. Definition: Travel insurance for Mexico covers emergency medical care, accidents, repatriation, baggage loss, and trip interruptions.
2. Key protection: Travel insurance is not mandatory for US visitors, but it is highly recommended due to limited healthcare coverage.
3. Healthcare cost: Private healthcare in Mexico can be expensive; a hospital night for foreigners may cost $300–$800.
4. Price: A one-week travel insurance policy for Mexico typically costs between $25 and $60 per person.
5. Good to know: Some activities like scuba diving or adventure sports may require additional insurance or policy upgrades.

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Why trust HelloSafe?

HelloSafe is an international expert in travel insurance comparison, advising over one million travelers each month. After analyzing 36 travel insurance policies available in the United States, our experts share here everything you need to know to choose the best travel insurance for Mexico.

The best travel insurances for Mexico

Contract we recommendMedical reimbursement limitOur view
HelloTravel Premium$1.0MOur priority choice for robust cover in Mexico.
- high medical limit
- evacuation included
- adaptable benefits for emergencies
Cap Assistance 24/24$1.0MLeading for comprehensive service, especially for urgent care.
- 24/7 medical helpline
- strong evacuation cover
- no deductible
Tourist Card$0.5MGood option for travelers seeking core protection and clear terms.
- solid medical cover
- emergency assistance
- accessible price
Travel Pass Monde$0.7MWell-balanced plan with good support for most situations.
- partial repatriation
- hospital bills covered
- broad scope of cover
Globe Partner$0.3MReliable choice for shorter stays and essentials only.
- covers care abroad
- emergency evacuation
- streamlined claims process
Globe Traveller$0.5MSmart for low-risk or quick trips, essential limits and fast claims.
- basic medical cover only
- rapid reimbursement
- affordable ceiling
Comparison of recommended travel insurance contracts.
HelloTravel Premium
Medical reimbursement limit
$1.0M
Our view
Our priority choice for robust cover in Mexico.
- high medical limit
- evacuation included
- adaptable benefits for emergencies
Cap Assistance 24/24
Medical reimbursement limit
$1.0M
Our view
Leading for comprehensive service, especially for urgent care.
- 24/7 medical helpline
- strong evacuation cover
- no deductible
Tourist Card
Medical reimbursement limit
$0.5M
Our view
Good option for travelers seeking core protection and clear terms.
- solid medical cover
- emergency assistance
- accessible price
Travel Pass Monde
Medical reimbursement limit
$0.7M
Our view
Well-balanced plan with good support for most situations.
- partial repatriation
- hospital bills covered
- broad scope of cover
Globe Partner
Medical reimbursement limit
$0.3M
Our view
Reliable choice for shorter stays and essentials only.
- covers care abroad
- emergency evacuation
- streamlined claims process
Globe Traveller
Medical reimbursement limit
$0.5M
Our view
Smart for low-risk or quick trips, essential limits and fast claims.
- basic medical cover only
- rapid reimbursement
- affordable ceiling
Comparison of recommended travel insurance contracts.
👉 Compare the best travel insurance for freeI compare

Is it currently safe to travel to Mexico?

As of June 2025, the US Department of State advises travelers to Mexico to be aware that security conditions vary greatly by region, with some states subject to Level 4 (Do Not Travel) advisories because of violent crime, while others remain at Level 1 or 2. No general prohibition exists for travel, but visitors must carefully review local restrictions before departure.

Here are their four main recommendations.

  • Security risks: violent crime, including kidnapping and armed robbery, is widespread in certain regions. For example, travelers should completely avoid areas such as Sinaloa or Tamaulipas due to frequent shootings and cartel activity.
  • Health risks: medical care in major cities is generally high quality, but hospitals often require advance payment and do not accept US health insurance. For instance, medical evacuation from coastal resorts can cost tens of thousands of dollars if uninsured.
  • Legal constraints: drug laws are strict and penalties severe, including for possession of even small amounts. US citizens have been imprisoned for carrying prescription medication without proper documentation.
  • Urban risks: scams and petty theft, such as pickpocketing or credit card fraud, are common in cities like Mexico City and Cancun. Fake taxis operating at airports are a particular concern.

Although not required, travel insurance is strongly recommended by the US Department of State, particularly to cover medical expenses and emergency repatriation, which can be extremely costly in Mexico.

Is travel insurance required for a Mexican visa?

No, travel insurance is not mandatory for US citizens to get a visa or enter Mexico for tourism or short stays.

However, it is strongly recommended to have travel insurance as most hospitals in Mexico require payment up front and do not accept US health insurance. A good policy should cover medical expenses and emergency medical evacuation, since medical costs and repatriation can be very expensive if uninsured.

According to our data, 80% of travelers purchase travel insurance before going to Mexico. This is mainly due to high medical costs and the potential risks associated with crime or accidents during travel.

Reasons to Get Travel Insurance for Mexico

It is an essential financial and medical protection for anyone going to Mexico.

In Mexico, foreigners commonly use private hospitals in major cities like Mexico City, Monterrey, and Cancun, such as Hospital Ángeles or ABC Medical Center, as public facilities are often overcrowded and not recommended for tourists. Private medical services can be very expensive and always require upfront payment, while U.S. health insurance is not accepted.

Travel insurance covers medical fees, hospitalization, medication, ambulance transport, and emergency repatriation to the US in the event of a serious incident.

Healthcare costs in Mexico vary depending on the type of service, location, and provider. Here are some general examples: 

Example of medical treatmentCost at Hospital ÁngelesCovered by travel insurance
I have to be hospitalized 48 hours after contracting an infection65,000 MXN (about $3,900)up to 100%
I broke my tibia (X-ray, cast, and crutch rental)38,000 MXN (about $2,300)up to 100%
I need to be repatriated500,000 MXN (about $30,000)up to 100%
I have appendicitis (consultation and surgery)120,000 MXN (about $7,200)up to 100%
Medical treatment costs and insurance coverage examples
I have to be hospitalized 48 hours after contracting an infection
Cost at Hospital Ángeles
65,000 MXN (about $3,900)
Covered by travel insurance
up to 100%
I broke my tibia (X-ray, cast, and crutch rental)
Cost at Hospital Ángeles
38,000 MXN (about $2,300)
Covered by travel insurance
up to 100%
I need to be repatriated
Cost at Hospital Ángeles
500,000 MXN (about $30,000)
Covered by travel insurance
up to 100%
I have appendicitis (consultation and surgery)
Cost at Hospital Ángeles
120,000 MXN (about $7,200)
Covered by travel insurance
up to 100%
Medical treatment costs and insurance coverage examples

These prices are given as an indication and may vary depending on the facilities and regions.

It is therefore essential to take out appropriate travel insurance to avoid unexpected and potentially high expenses.

Coverage included in travel insurance for Mexico

Here is a summary table of the main coverages you should look for in a travel insurance policy for Mexico.

Main coveragesExplanations and recommendations
🏥 Medical expensesCovers emergency medical care, hospitalization, and outpatient services in private clinics, which require upfront payment by foreigners.
We recommend at least $100,000 of coverage.
🚑 Medical evacuation and repatriationPays for air or ground evacuation and return to the US if needed, which can be extremely expensive.
We recommend a minimum of $100,000 for evacuation and repatriation.
💊 MedicationsIncludes prescription drugs and treatments during or after a medical event.
Limit should be part of your emergency medical benefit, ideally within your $100,000 coverage.
👨‍👩‍👧‍👦 Personal liabilityProtects you if you accidentally cause injury or property damage to others.
Consider at least $50,000 in liability coverage.
💼 Baggage and personal belongingsReimburses loss, theft, or damage of luggage and valuable items while traveling.
Recommended reimbursement limit: $1,500 to $2,500 per trip.
✈️ Trip cancellation or interruptionCovers prepaid travel expenses lost due to unexpected illness, accident, or serious incident before or during the trip.
Ideal limit: total prepaid costs, up to $5,000 or more.
📞 24/7 emergency assistanceProvides access to assistance and support in English at all times, including legal help or translation.
Should be included automatically in quality travel insurance.
🦟 Infectious disease & COVID-19Covers medical costs for infectious diseases such as COVID-19, dengue, or Zika, commonly contracted abroad.
Minimum $50,000 recommended as part of medical expenses.
Main coverages and explanations
🏥 Medical expenses
Explanations and recommendations
Covers emergency medical care, hospitalization, and outpatient services in private clinics, which require upfront payment by foreigners.
We recommend at least $100,000 of coverage.
🚑 Medical evacuation and repatriation
Explanations and recommendations
Pays for air or ground evacuation and return to the US if needed, which can be extremely expensive.
We recommend a minimum of $100,000 for evacuation and repatriation.
💊 Medications
Explanations and recommendations
Includes prescription drugs and treatments during or after a medical event.
Limit should be part of your emergency medical benefit, ideally within your $100,000 coverage.
👨‍👩‍👧‍👦 Personal liability
Explanations and recommendations
Protects you if you accidentally cause injury or property damage to others.
Consider at least $50,000 in liability coverage.
💼 Baggage and personal belongings
Explanations and recommendations
Reimburses loss, theft, or damage of luggage and valuable items while traveling.
Recommended reimbursement limit: $1,500 to $2,500 per trip.
✈️ Trip cancellation or interruption
Explanations and recommendations
Covers prepaid travel expenses lost due to unexpected illness, accident, or serious incident before or during the trip.
Ideal limit: total prepaid costs, up to $5,000 or more.
📞 24/7 emergency assistance
Explanations and recommendations
Provides access to assistance and support in English at all times, including legal help or translation.
Should be included automatically in quality travel insurance.
🦟 Infectious disease & COVID-19
Explanations and recommendations
Covers medical costs for infectious diseases such as COVID-19, dengue, or Zika, commonly contracted abroad.
Minimum $50,000 recommended as part of medical expenses.
Main coverages and explanations

Travel insurance from local providers or bank cards often offers limited protection, exclusions, and low reimbursement limits. For your peace of mind, choose a trusted insurer with full coverage. Compare top options on HelloSafe and subscribe online for instant certification.

The cost of travel insurance for Mexico

Trip durationTraveler’s ageIndicative price per person
1 week25 years old$18
2 weeks45 years old$32
1 month35 years old$54
1 month70 years old$110
Trip duration and indicative price per person
1 week
Traveler’s age
25 years old
Indicative price per person
$18
2 weeks
Traveler’s age
45 years old
Indicative price per person
$32
1 month
Traveler’s age
35 years old
Indicative price per person
$54
1 month
Traveler’s age
70 years old
Indicative price per person
$110
Trip duration and indicative price per person

These prices are indicative and may vary depending on the coverage chosen and the specifics of each insurer.

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Good to know

The price of travel insurance depends on several factors: the traveler’s age, length of stay, destination, type of coverage, and cancellation options. Prices may increase for longer trips, older travelers, or high-risk destinations. It’s important to remember these factors so you can pick the right plan and avoid unexpected costs during your trip.

💡 It is always recommended to compare multiple offers to find the best value-for-money plan for you. You can use HelloSafe.

👉 Compare the best travel insurance for freeI compare

How to Find Affordable Travel Insurance for Mexico

Here are some suggestions to optimize the cost of your travel insurance to Mexico while keeping good coverage:

CriteriaWhy it mattersExpert tip
📅 Travel durationPremiums increase with the length of your stay. Short stays mean a lower risk and lower overall cost for the insurer in Mexico.Only insure the days you are actually abroad. Avoid adding extra days before and after your main travel dates.
👤 Traveller’s ageOlder travelers typically pay higher premiums, since risk of medical claims increases with age, especially in Mexico’s climate and environment.Remember, Heymondo does not raise prices for people over 62. Compare rates with them if you are an older traveler.
🔍 Level of coverageMore comprehensive benefits cost more, but offer better protection. Overtreating can drive up costs unnecessarily.Select only the essential guarantees you need. Avoid duplicate coverage you may already have through a card.
👨‍👩‍👧‍👦 Number of travelersInsuring a family or group is usually cheaper per person. Group contracts often get discounts and streamline coverage for all travelers.Choose a group or family plan if traveling together. This may lower costs versus buying single policies.
🌎 Geographic coverageSome insurance policies offer multi-country coverage, which may be pricier. Focused coverage for Mexico often costs less.Pick a plan that specifically covers only Mexico. Don’t pay extra for unnecessary worldwide coverage.
💳 Payment optionsSome providers offer discounts for annual payments or certain payment methods. This can reduce total costs.Check for discounts with upfront payment. Annual plans or select payment cards may save you money.
🛡️ Deductible amountChoosing a higher deductible usually means a lower premium, as you take on more of the initial risk in an incident.Set a deductible you would be comfortable paying. Increasing it can significantly lower your premium.
Insurance cost factors
📅 Travel duration
Why it matters
Premiums increase with the length of your stay. Short stays mean a lower risk and lower overall cost for the insurer in Mexico.
Expert tip
Only insure the days you are actually abroad. Avoid adding extra days before and after your main travel dates.
👤 Traveller’s age
Why it matters
Older travelers typically pay higher premiums, since risk of medical claims increases with age, especially in Mexico’s climate and environment.
Expert tip
Remember, Heymondo does not raise prices for people over 62. Compare rates with them if you are an older traveler.
🔍 Level of coverage
Why it matters
More comprehensive benefits cost more, but offer better protection. Overtreating can drive up costs unnecessarily.
Expert tip
Select only the essential guarantees you need. Avoid duplicate coverage you may already have through a card.
👨‍👩‍👧‍👦 Number of travelers
Why it matters
Insuring a family or group is usually cheaper per person. Group contracts often get discounts and streamline coverage for all travelers.
Expert tip
Choose a group or family plan if traveling together. This may lower costs versus buying single policies.
🌎 Geographic coverage
Why it matters
Some insurance policies offer multi-country coverage, which may be pricier. Focused coverage for Mexico often costs less.
Expert tip
Pick a plan that specifically covers only Mexico. Don’t pay extra for unnecessary worldwide coverage.
💳 Payment options
Why it matters
Some providers offer discounts for annual payments or certain payment methods. This can reduce total costs.
Expert tip
Check for discounts with upfront payment. Annual plans or select payment cards may save you money.
🛡️ Deductible amount
Why it matters
Choosing a higher deductible usually means a lower premium, as you take on more of the initial risk in an incident.
Expert tip
Set a deductible you would be comfortable paying. Increasing it can significantly lower your premium.
Insurance cost factors

Will my current insurance policy cover me in Mexico?

It is completely legitimate to wonder whether your current coverage, such as credit card insurance or your public health plan, can protect you during a trip to Mexico. Unfortunately, this coverage is often limited or insufficient, especially since most Mexican hospitals do not accept US health insurance, and upfront payment is often required.

Here is a summary table to help you review your current insurance and what it covers.

Type of insuranceValid in Mexico?What it coversWhy Travel Insurance is better
Public health insurance (Medicare, Medicaid)No, neverNo coverage abroad, no emergency repatriationTravel insurance covers $100,000+ in medical care and full repatriation support
Private health insurance (Aetna, Cigna)Yes, partlySome plans may reimburse after return, limits of $10,000-$25,000, no advance paymentTravel insurance pays clinics directly, with $100,000+ coverage and emergency rescue
Classic credit card (Chase Freedom, Citi, Discover)Yes, partlyEmergency care up to $2,500, no baggage/trip cancellation, no extended stay coverageTravel insurance covers $100,000+ plus trip cancellation, luggage coverage
Premium credit card (Chase Sapphire, Amex Platinum, Mastercard World Elite)Yes, partlyMedical costs up to $50,000, trip/baggage delay limits, few exclusionsTravel insurance offers $100,000+ and wide protection with less restrictive limits
Comparison of insurance types and their coverage in Mexico.
Public health insurance (Medicare, Medicaid)
Valid in Mexico?
No, never
What it covers
No coverage abroad, no emergency repatriation
Why Travel Insurance is better
Travel insurance covers $100,000+ in medical care and full repatriation support
Private health insurance (Aetna, Cigna)
Valid in Mexico?
Yes, partly
What it covers
Some plans may reimburse after return, limits of $10,000-$25,000, no advance payment
Why Travel Insurance is better
Travel insurance pays clinics directly, with $100,000+ coverage and emergency rescue
Classic credit card (Chase Freedom, Citi, Discover)
Valid in Mexico?
Yes, partly
What it covers
Emergency care up to $2,500, no baggage/trip cancellation, no extended stay coverage
Why Travel Insurance is better
Travel insurance covers $100,000+ plus trip cancellation, luggage coverage
Premium credit card (Chase Sapphire, Amex Platinum, Mastercard World Elite)
Valid in Mexico?
Yes, partly
What it covers
Medical costs up to $50,000, trip/baggage delay limits, few exclusions
Why Travel Insurance is better
Travel insurance offers $100,000+ and wide protection with less restrictive limits
Comparison of insurance types and their coverage in Mexico.
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Example

While vacationing in Cancún, Laura suffered from severe appendicitis. Emergency surgery cost $14,000. Her Bank of America card only reimbursed $500 in medical expenses, and her U.S. health insurance covered nothing abroad. Laura had to pay $13,500 out-of-pocket, a huge burden she hadn’t anticipated despite bringing both her card and health insurance.

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Expert advice

Always review the terms, exclusions, and policy limits of your current insurance. Essential scenarios, such as trip interruption from a family member’s illness or death, are sometimes excluded. Read all conditions closely to avoid unwelcome surprises overseas. For maximum reassurance, consider purchasing dedicated travel insurance tailored specifically to the needs of your trip.

FAQ

Do I need a visa to travel to Mexico?

U.S. citizens do not need a tourist visa to visit Mexico for stays of up to 180 days. You must have a valid U.S. passport book (passport cards are not accepted at airports). You may also need to complete the Forma Migratoria Multiple Digital (FMMD) upon arrival by air.

How do I purchase travel insurance for Mexico?

First, use the HelloSafe travel insurance comparison tool to review top options. Next, check coverage and exclusions, especially for medical evacuation, payment conditions, and activity-specific risks. Purchase your policy securely online. After payment, you will receive your insurance certificate by email for your trip to Mexico.

Are hospitals in Mexico likely to accept my U.S. insurance?

Most hospitals in Mexico do not accept U.S. health insurance or Medicare. Travelers are typically required to pay for services upfront, even in emergencies. Travel insurance can arrange direct payment to hospitals or reimburse you later, making it easier to access quality care without large out-of-pocket expenses.

Does travel insurance cover COVID-19 related issues in Mexico?

Many travel insurance policies now offer coverage for COVID-19 related medical care, quarantine costs, or trip interruptions. Always check if the policy includes COVID-19 treatment, testing, and cancellation protection, as not every insurer provides the same level of coverage for pandemics or infectious diseases.

What documents are required to use travel insurance in Mexico?

You will need your insurance policy certificate, contact information for the insurer’s emergency assistance line, and your personal ID or passport. In case of a medical emergency or loss event, keep all receipts and obtain official reports or medical documentation for your claim.

Can I buy travel insurance for Mexico after my trip has already started?

Some insurers may let you purchase travel insurance after your departure, but coverage is usually more limited and waiting periods may apply. It’s always safer and often cheaper to buy your policy before you leave the United States to ensure full coverage from day one.

Do I need a visa to travel to Mexico?

U.S. citizens do not need a tourist visa to visit Mexico for stays of up to 180 days. You must have a valid U.S. passport book (passport cards are not accepted at airports). You may also need to complete the Forma Migratoria Multiple Digital (FMMD) upon arrival by air.

How do I purchase travel insurance for Mexico?

First, use the HelloSafe travel insurance comparison tool to review top options. Next, check coverage and exclusions, especially for medical evacuation, payment conditions, and activity-specific risks. Purchase your policy securely online. After payment, you will receive your insurance certificate by email for your trip to Mexico.

Are hospitals in Mexico likely to accept my U.S. insurance?

Most hospitals in Mexico do not accept U.S. health insurance or Medicare. Travelers are typically required to pay for services upfront, even in emergencies. Travel insurance can arrange direct payment to hospitals or reimburse you later, making it easier to access quality care without large out-of-pocket expenses.

Does travel insurance cover COVID-19 related issues in Mexico?

Many travel insurance policies now offer coverage for COVID-19 related medical care, quarantine costs, or trip interruptions. Always check if the policy includes COVID-19 treatment, testing, and cancellation protection, as not every insurer provides the same level of coverage for pandemics or infectious diseases.

What documents are required to use travel insurance in Mexico?

You will need your insurance policy certificate, contact information for the insurer’s emergency assistance line, and your personal ID or passport. In case of a medical emergency or loss event, keep all receipts and obtain official reports or medical documentation for your claim.

Can I buy travel insurance for Mexico after my trip has already started?

Some insurers may let you purchase travel insurance after your departure, but coverage is usually more limited and waiting periods may apply. It’s always safer and often cheaper to buy your policy before you leave the United States to ensure full coverage from day one.

A. Fruchard
A. Fruchard
Insurance expert
HelloSafe
Co-founder of HelloSafe and an experienced entrepreneur in the insurance and personal finance sector, Antoine uses his experience and in-depth knowledge of the market to help Internet users make the right choices. With an MBA in economics, he is a committed expert whose mission is to make personal finance and insurance issues simple and understandable. With a rich career marked by the creation of innovative companies, Antoine's ambition has always been to bring transparency to complex issues and to give power back to consumers. With HelloSafe, he continues to translate this vision by providing accurate advice, impartial comparisons and detailed explanations of travel insurance. He has analysed hundreds of contracts to reveal the best options available on the market.

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