Travel Insurance: Mexico

Compare travel insurance for Mexico

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Here are a few ideas on how to have a great holiday in Mexico – and a reminder to sort out your travel insurance

Mayan temple, Mexico

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Do I need travel insurance for Mexico?

Travel insurance is essential if you’re planning a holiday in Mexico. If you fall ill, have an accident, lose your baggage or something is stolen while you’re on holiday, your travel insurance policy would cover you.

What’s more, travel cover provides financial protection if you need to cut short or cancel your trip in an emergency. Knowing you’re covered means you can relax and enjoy your holiday.

What does Mexico come under for travel insurance?

Mexico is in North America so won’t be covered by a European travel insurance policy. When you’re comparing travel insurance policies with MoneySuperMarket, your trip will fall into one of the following categories:

  • One holiday to Mexico only: if you are only taking one trip and only visiting Mexico, select single-trip travel insurance and then input Mexico as your destination
  • One trip to Mexico and other countries: if you are visiting Mexico and other countries during the same trip, select single-trip insurance and then pick each country you plan to visit as multiple destinations. If you are backpacking, select backpackers’ insurance
  • Several holidays throughout the year that include Mexico, as well as the USA, Canada or the Caribbean: you might be able to save money by selecting an annual multi-trip travel insurance policy. If you plan to visit the USA, Canada or somewhere the Caribbean, you need to select a worldwide policy that covers these countries
  • Several holidays throughout the year that includes Mexico, but not the USA, Canada or the Caribbean: again, you might be able to save by selecting an annual multi-trip travel insurance policy. If you don’t plan to visit the USA, Canada or the Caribbean, you can select a worldwide policy that excludes those countries

The five most common travel insurance claims in Mexico

According to data provided by Insuratrip, collected between 2015 and 2018

What type of travel insurance do I need for Mexico?

A good travel insurance policy for Mexico should include the following:

  • Cover for medical expenses, usually up to a limit of £5m
  • Cover for the cost of bringing you back to the UK, otherwise known as ‘repatriation’
  • Cover for the cancellation or curtailment of your holiday, in case you have to head home earlier than planned or an emergency prevents you from going in the first place
  • Delay and missed departure cover, in case events beyond your control (such as a car breakdown) cause you to miss your flight
  • Travel abandonment cover, for unusual circumstances where the journey to your destination becomes unfeasible
  • Baggage cover, in case your belongings are lost or stolen during your trip. Make sure you include cover for any particularly costly items you’ll have with you, such as jewellery
  • Passport cover, because getting a replacement for a lost or stolen passport while abroad can be both complicated and costly
  • Personal liability cover, protects you in case something you do causes injury to someone else, or the loss or damage of their possessions

Mexico travel insurance: exclusions and what to watch out for

Many standard travel insurance policies won’t include the following:

  • Pre-existing medical conditions: if you have a medical condition, or you’ve had one in the past for which you’ve received advice or treatment, you may find you’re charged a higher premium for your policy if you want your condition to be covered, or you have to take out a special policy
  • Cover for unexpected incidents that may affect your holiday, like civil unrest, war, terrorism and natural disasters
  • Cover for accidents or injuries that can be linked to you drinking too much
  • Cover for travel to locations that the Foreign and Commonwealth Office (FCO) has said British holidaymakers should avoid
  • Cover for accidents or injuries that happen during sporting activities such as skiing and scuba diving. If you know you’ll be doing something adventurous while in Mexico, check to make sure you have adventure or winter sports cover in place first

The average travel insurance claim payout in Mexico

According to data provided by Insuratrip, collected between 2015 and 2018

How much should my travel insurance excess be?

The excess on your travel insurance is the amount you will have to pay before your travel insurance company will pay out on a claim.

While opting for a higher excess might help to reduce the cost of your cover, it’s important that you don’t increase the excess to the point that you wouldn’t be able to afford to pay it if you made a claim.

When should my travel insurance policy start from?

Start your travel insurance policy from the day you book your trip, not from the date when you are planning to travel. If you delay the start of your policy, you will not be covered if you unexpectedly need to cancel your holiday to Mexico.

The five biggest Mexican travel insurance payouts

According to data provided by Insuratrip, collected between 2015 and 2018

Top travel tips for Mexico

  • Rethink your meal times: people in Mexico eat later, so it’s a good idea to sync up with the locals. Mexicans tend to eat lunch between 1pm and 4pm, and they eat dinner between 8pm and 9pm.
  • Take advantage of the bus network: Mexico has a frequent and reliable bus network, so you shouldn’t hesitate to use it when you travel around.
  • Drink bottled water: the general advice for Mexico is to steer clear of the tap water where possible. Bottled water is widely available and very affordable.
  • Learn a few Spanish phrases: speaking some basic Spanish will take you far in Mexico. Take some time to learn some key phrases like ‘¿Cuanto cuesta?’ (how much?).
  • Pay with Pesos: while a lot of places in Mexico accept US dollars as payment, you will generally pay less if you pay with pesos. Get your travel money sorted before you go.
  • Watch out for the toilets: not only will a lot of female toilets be marked ‘M’ for ‘mujeres’ (meaning female), but in many places, you’ll be asked not to flush the toilet paper. The waste pipes in Mexico are very old, narrow and can become blocked easily.
  • Don’t over-plan: there’s a lot to be said for taking your time and seeing where your trip takes you, not least in Mexico.
  • Embrace Mexican time: don’t expect things to be punctual, Mexicans take things a little bit slower. The best thing to do is relax and enjoy it.
  • Bring a jacket: while Mexico might be pretty hot in the daytime, certain locations can get chilly when the sun goes down.
  • Try botanas: Mexican cuisine is world-famous, so make sure you take time to try the botanas, Mexico’s version of tapas.
  • Save money with collectivos: a collectivo is a type of taxi/mini-van – it’s a great way to save money when travelling around the country.
  • Beware of super-cheap car rental: if you want to rent a car in Mexico, you might see offers that seem too good to be true. Car rentals that seem overly cheap often try to sell you extortionate insurance, so you’re much better going with a more mid-range rental.

Compare travel insurance policies before you buy

While travel insurance for Mexico is a necessity, the price of a travel insurance policy for Mexico varies. Different companies will sell the same level of cover at completely different prices, so it’s important to compare before you buy.

MoneySuperMarket’s comparison tool asks you a few simple questions about you and your holiday: where you are going, how long for and what you want your policy to cover, and in just a couple of minutes you can compare prices from a range of leading travel insurers.

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