Travel insurance for Mexico vacations

While planning your trip, it’s important to stay updated on travel alerts posted by the U.S. Department of State on its travel advisories website. Travel alerts that may affect your travel insurance policy can be found on Travelex’s website.

Plus, as a Travelex policyholder, you get exclusive access to the Travelex Travel On app, which can alert you to real-time security alerts while you’re in Mexico.

If you're planning to set sail on a cruise for your trip to Mexico, it’s worth considering investing in travel insurance. If your cruise schedule changes, you get sick or injured on board, or miss a connecting flight, coverage can help to reimburse costs of non-refundable travel bookings, medical expenses, medical evacuation, lost personal belongings, and more. 

Even if your ship departs from the U.S., travel insurance can offer valuable protection.  

Booking a cruise? Check out Travelex’s Travel Select and Travel Basic plans. 

With the USA and Mexico sharing a border, many Americans may choose to drive to Mexico rather than fly. However, travel insurance typically does not cover personal vehicles when driving to Mexico. Travel insurance primarily focuses on providing coverage for the traveler and their belongings during the trip.

If you’re taking your own vehicle to Mexico, you may consider looking into separate auto insurance options specifically designed for international travel or extending your existing auto insurance coverage to include travel to Mexico. Yes, it's wise to contact your auto insurance provider to inquire about coverage options and requirements for driving in Mexico before you depart. 

Scuba diving in Cozumel or rafting down the rapids of the Antigua River in Veracruz? It’s important to ensure you have the right coverage for all the adventure activities you plan to do in Mexico.   

Good news: Travelex’s Travel Select and Travel Basic base plans include coverage for certain activities. This includes scuba diving (up to a depth of 60 ft), kayaking, skiing, canyoning, river rafting, snorkeling, horseback riding, hiking, and more.  

If you think you’ll want to try any extreme sports or adventures other than what is covered by these two plans – including zip-lining, mountaineering, and skydiving – it is recommended that you consider purchasing the adventure sports upgrade, which can be added to the Travel Select plan.  

Still have questions? You can check your policy wording or speak to a Travelex representative to ensure your policy provides coverage for your chosen adventure activity before you purchase travel insurance.

You can’t always anticipate what is going to happen in each moment – including during a vacation to Mexico. 

If you’re planning a trip to Mexico and are unsure if it’ll happen, Travelex’s cancel for any reason upgrade may be a wise addition to your travel insurance policy for your journey to Mexico. Available only on the Travel Select plan, it lets you cancel for any reason – whatever it may be – up to 48 hours prior to your scheduled departure date. This helps ensure you’re not left completely out of pocket, as Travelex can reimburse you with up to 75% of your insured trip costs (up to $7,500). 

To be eligible for reimbursement with this optional upgrade, you will need to insure all non-refundable trip costs (up to a maximum of $10,000) with your policy at the time of purchase and your trip length must be 30 days or less. Additionally, the cancel for any reason upgrade must be purchased with your initial plan and within 15 days of the initial payment made for your trip.

If you plan to visit multiple states or countries on your next trip, you should list your destination as the location you will be spending the most time in.

For instance, if you plan a vacation where you will visit Mexico for two weeks and Belize for three days, you should list Mexico as your destination. You will still have coverage for the entirety of your trip, as long as you are not traveling to a sanctioned destination that Travelex does not offer coverage for.

If you are already aware of a pre-existing medical condition, you may also be wondering if it will cause you problems during your trip to Mexico. Travel insurance for Mexico can offer coverage for pre-existing medical conditions if all the following requirements are met: 

• The Travel Select travel insurance policy is purchased within the “early purchase window” (within 15 days of first trip payment); 

• The amount of coverage purchased equals all prepaid nonrefundable payments or deposits applicable to the trip at the time of purchase; 

• The costs of any subsequent arrangements added to the same trip are insured within the timeframe in the early purchase window; and 

• All insureds are medically able to travel when the policy is purchased. 

Trip cancellation and trip interruption coverage under the pre-existing medical condition exclusion waiver will be limited to 100% of insured trip cost, up to a maximum of $50,000. 

If you’re searching for the best health insurance for travel to Mexico, it’s important to understand the medical coverage that travel insurance can offer. Travelex’s Travel Select and Travel Basic plans offer coverage for emergency medical and dental expenses only. This does not include elective medical procedures undertaken while abroad or traveling for the purpose of obtaining medical treatments.