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Travel Insurance

Mexico travel insurance 2024: Best plans and cost

Holly Johnson

Kara McGinley

Kara McGinley

“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.

Updated 9:17 a.m. UTC Nov. 13, 2023

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  • The average cost of travel insurance for an eight-day trip to Mexico is $157. 
  • Comprehensive travel insurance for Mexico should include coverage for trip cancellation, trip delay, trip interruption, travel medical, emergency medical evacuation and baggage loss.
  • “Cancel for any reason” and “interruption for any reason” upgrades offer greater flexibility if you want to cancel or end your trip to Mexico early. 

Mexico travel insurance comparison

Travel insured.

bcaa travel insurance mexico

Via TravelInsurance.com’s website

Top-scoring plan

Worldwide Trip Protector

Covers COVID?

Medical & evacuation limits per person

$100,000/$1 million

bcaa travel insurance mexico

Atlas Journey Preferred

Seven Corners

bcaa travel insurance mexico

RoundTrip Basic

$500,000/$1 million

Should I get travel insurance for my trip to Mexico?

Mexico is incredibly diverse, both in terms of geography and cultural makeup. It’s brimming with places to visit, from historic cities like Mexico City and Mérida to popular beach destinations like Puerto Vallarta and Playa del Carmen. 

Before you buy travel insurance for Mexico, consider the type of trip you’re planning. If your plans involve nothing more than drinking a cold Pacifico on the beach, a travel insurance plan with basic coverage may be sufficient. But if you want to hike in the mountains or go scuba diving, a more comprehensive travel insurance policy would be a good idea. 

Buying travel insurance for Mexico

The average cost of travel insurance for trips to Mexico is $157, according to data from Squaremouth, a travel insurance comparison provider. This is for an average trip length of eight days and an average trip cost of $2,837. 

In general, you can expect travel insurance to cost 5% to 6% of your total trip expenses.

Mexico travel insurance coverage options

A comprehensive travel insurance plan for Mexico will bundle together several types of coverage, from trip cancellation insurance to travel medical insurance. Here we’ll discuss common coverage options and the fine print you should watch for. 

Trip cancellation and trip interruption insurance 

Trip cancellation insurance can refund 100% of your prepaid, nonrefundable travel expenses if you need to cancel your trip, as long as it’s for a reason listed in your travel insurance policy.

Trip interruption insurance can reimburse up to 150% of lost prepaid costs. This benefit covers not only the cost of changing your flights to depart early—or buying a new, one-way ticket—but can also refund any prepaid, nonrefundable bookings you miss by cutting your trip short.

Learn more about airfares: Airfares

Common reasons covered by trip cancellation and trip interruption insurance include:

  • Serious illness, injury or death of you, your traveling companion or a family member.
  • Natural disaster that leaves your home or your destination in Mexico uninhabitable.
  • Severe weather or strike that causes a cancellation or delay with an airline or cruise line.
  • Unexpected loss of your job.
  • Legal obligation such as jury duty or being required to appear as a witness.

Know more: Flight Cancellations

“Cancel for any reason” coverage

If you want the ability to cancel your trip for any reason, beyond those listed in your travel insurance policy, you might consider a “cancel for any reason” (CFAR) upgrade. 

CFAR coverage is an add-on to travel insurance plans that will increase your cost by about 50%. You can typically only purchase CFAR coverage within 15 days of making your first trip deposit.  

While you can cancel your trip for any reason with CFAR, you must do so at least 48 hours before departure. And when you file a claim, you’ll only be reimbursed 50% or 75% of your prepaid travel expenses, depending on your policy. 

Trip delay insurance

Trip delay insurance can reimburse you for incidental travel expenses if a travel delay causes you to incur additional expenses. 

“If a storm grounds your flight on the way to or from vacation, trip delay benefits may cover incidental costs, such as meals and even a hotel room,” says travel expert Joe Cortez, who works with Squaremouth.

Travel delay coverage usually has a waiting period before you can make a claim. This may be six or 12 hours, depending on your plan. 

You will also likely have a daily coverage limit and a maximum coverage limit. For example, this could be $150 in additional charges a day, up to $600 total, per person.

“Interruption for any reason” coverage

Some travel insurance companies also offer an “interruption for any reason” (IFAR) upgrade. This coverage is similar to CFAR. 

IFAR coverage lets you end your trip early for any reason and get reimbursed for a portion of your prepaid, nonrefundable travel expenses. Buying this upgrade will typically add 3% to 10% to the cost of your travel insurance.

If you decide to cut your trip short, IFAR coverage usually reimburses up to 75% of prepaid travel expenses. You may have to be a certain number of hours into your trip before you can call it quits and expect to get a refund. This waiting period might be 48 or 72 hours, depending on your policy. 

Travel medical insurance

Travel medical insurance is crucial for trips to Mexico. 

“Your American health insurance likely won’t follow you across the border, so make sure your travel insurance policy covers emergency medical costs in Mexico,” said Christina Tunnah, a spokesperson for World Nomads, a travel insurance company.

When shopping for travel insurance for Mexico, check to make sure plans cover the types of activities you’re planning. Some travel insurance plans exclude adventure sports or require you to purchase add-on coverage for high-risk activities. 

Tunnah says that in World Nomads’ most recent site survey, U.S.-based travelers who were planning trips to Mexico identified adventure activity cover (30%) and emergency assistance support (26%) as their “most important benefits.”

 “Our policies cover more than 150 activities, including scuba diving, snorkeling and even swimming with whale sharks, which are all popular activities in Mexico,” she says.

Squaremouth recommends you buy a plan with at least $50,000 in travel medical insurance, but there are plans that offer coverage of up to $500,000. 

Emergency medical evacuation 

While travel medical coverage is important for trips to Mexico, Carol Mueller of Berkshire Hathaway Travel Protection says it’s just as important to have a travel insurance plan that includes adequate emergency medical and medical evacuation coverage. This coverage can pay for emergency transportation in a helicopter, a plane or other modes of transportation if you become sick or injured in a remote area.

Choosing a plan that includes emergency medical evacuation can ensure you get transportation to the nearest adequate medical facility, even if that means getting evacuated back to the States, adds Mueller.

Because emergency medical evacuation is so expensive, limits on this coverage can be up to $500,000 or more. Squaremouth recommends you buy a travel insurance plan that has at least $100,000 in medical evacuation coverage.

Baggage insurance

Baggage loss covers your personal belongings if they are lost, stolen or damaged, up to your policy limits. 

Tunnah says that lost luggage claims tend to be more common in Mexico than in other destinations. 

Read your policy to know what is covered, your coverage limits and any exclusions. Baggage loss is secondary insurance, which means if the airline loses your bag, you’ll have to file a claim with the airline first. Baggage delay coverage can reimburse you for incidental travel expenses when your bags are temporarily delayed and you wind up paying for clothing and other essentials. This coverage typically has a waiting period, such as six,12 or even 24 hours before it begins. And it will have coverage limits, such as $200 per person.

Compare the best travel insurance offers

Mexico travel insurance faqs.

The average cost of travel insurance for an 8-day trip to Mexico is $157, per recent data from Squaremouth. This is for an average trip cost of $2,837.

For trips to an all-inclusive resort in Mexico, you should buy a travel insurance plan that includes trip cancellation and interruption insurance, trip delay insurance, travel medical insurance, emergency medical evacuation coverage and baggage insurance.

You should purchase travel medical insurance any time you travel internationally since your U.S. health insurance plan likely will not provide coverage abroad. Squaremouth, a travel insurance comparison provider, recommends you buy a travel insurance plan with at least $50,000 in travel medical coverage.

Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.

Blueprint has an advertiser disclosure policy . The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.

Holly Johnson

Holly D. Johnson is a personal finance expert and award-winning writer who covers a variety of insurance topics as well as general personal finance. In addition to her articles in Forbes, Holly is a featured author for CNN Underscored, Bankrate, Consumer Affairs and other notable publications. Johnson is also the founder of finance website Club Thrifty and the co-author of "Zero Down Your Debt: Reclaim Your Income and Build a Life You’ll Love."

Kara McGinley is deputy editor of insurance at USA TODAY Blueprint and a licensed home insurance expert. Previously, she was a senior editor at Policygenius, where she specialized in homeowners and renters insurance. Her work and insights have been featured in MSN, Lifehacker, Kiplinger, PropertyCasualty360 and more.

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The Best Travel Insurance for Mexico in 2024

bcaa travel insurance mexico

Allianz Travel Insurance »

bcaa travel insurance mexico

Seven Corners »

bcaa travel insurance mexico

Generali Global Assistance »

bcaa travel insurance mexico

Trawick International »

bcaa travel insurance mexico

WorldTrips »

Why Trust Us

U.S. News evaluates ratings, data and scores of more than 50 travel insurance companies from comparison websites like TravelInsurance.com, Squaremouth and InsureMyTrip, plus renowned credit rating agency AM Best, in addition to reviews and recommendations from top travel industry sources and consumers to determine the Best Travel Insurance for Mexico.

Table of Contents

  • Allianz Travel Insurance
  • Seven Corners

While Mexico is a lot closer to the United States than most other international destinations, that doesn't mean you don't need travel insurance. Travel to Mexico puts you at risk of many of the same perils you'll face in other parts of the world, including the prospect of becoming injured or ill during your trip, facing travel delays or flight cancellations , or dealing with baggage delays once you arrive.

Before you plan a relaxing getaway or adventure trip in a destination like Mexico City , Puerto Vallarta or Cancún , you'll want to have a travel insurance plan lined up and ready to go. Our advice? Start your search by comparing the following Mexico travel insurance plans and all they have to offer.

Frequently Asked Questions

Just like with other international trips, you should know that your own personal health insurance coverage will not apply in Mexico. The same is true if you have a government health plan like Medicare. (See our article on this topic for more information.)

At the bare minimum, you'll want to have travel health insurance that applies if you become sick or injured during your vacation. Other types of insurance coverage can also make sense for travel to Mexico, including coverage for trip cancellations, delays, lost baggage, missed connections and more.

Mexico travel insurance policies vary widely in terms of what they offer and how much coverage you get. Ultimately, you should compare plans side by side and make sure you're getting enough coverage for the type of trip you're taking and the specific risks you're taking on.

That said, common protections found in Mexico travel insurance plans cover:

  • Baggage delays
  • Emergency medical evacuation
  • Trip cancellation
  • Trip interruption
  • Travel delays
  • Lost luggage reimbursement
  • Medical expenses
  • Rental car damage

Some plans available for Mexico trips also include optional cancel for any reason (CFAR) coverage that reimburses you for part of your prepaid trip cost when you cancel your trip for any reason at all. Certain coverage options also provide protection for preexisting medical conditions if certain conditions are met, which is a factor you'll want to take note of if you or someone in your traveling party has a medical condition that could pose a problem on your trip.

  • Allianz Travel Insurance: Best Overall
  • Seven Corners: Best for Families
  • Generali Global Assistance: Best for Medical Emergencies
  • Trawick International: Best for Adventure Travel
  • WorldTrips: Best for Nomads and Remote Workers

Option to purchase CFAR and preexisting medical conditions coverage

Kids age 17 and younger covered for free

Lower coverage limits for medical expenses than some providers

  • $100,000 in coverage for trip cancellation (per traveler)
  • $150,000 in coverage for trip interruption (per traveler)
  • $500 in Trip Change Protector coverage
  • $50,000 in emergency medical coverage (per traveler)
  • $500,000 for emergency medical transportation (per traveler)
  • $1,000 toward baggage loss or damage (per traveler)
  • $300 in coverage for baggage delays of 12 hours or more (per traveler)
  • $800 in protection for travel delays per traveler (daily limit of $200 applies)
  • $100 per insured person, per day in SmartBenefits coverage for eligible delays
  • 24-hour hotline assistance
  • Concierge services

Optional CFAR and preexisting conditions waiver available

Coverage for up to 10 travelers in a single plan

Low coverage limits on Trip Protection Basic plan

  • Up to $500,000 in coverage for emergency medical expenses ($750 emergency dental limit)
  • $1 million in coverage for emergency medical evacuation and repatriation of remains
  • Trip cancellation coverage worth up to 100% of the trip cost (maximum $100,000 per person)
  • Trip interruption coverage worth up to 150% of the trip cost
  • Trip delay coverage worth up to $2,000 ($250 per person, per day)
  • $1,500 in coverage for missed cruise connections or tours (up to $250 per day)
  • $2,500 in coverage for baggage and personal effects (limit per item of $250)
  • Baggage delay coverage worth up to $500 (maximum $100 per day) after delays of six hours

CFAR and preexisting medical conditions coverages available

High coverage limits for medical expenses and evacuation

CFAR coverage only reimburses at 60%

Low emergency dental limit

  • Up to $1 million in coverage for emergency medical evacuation and transportation
  • $250,000 coverage limit for medical expenses ($500 limit for dental emergencies)
  • 100% of trip cost for trip cancellation
  • 175% of trip cost for trip interruption
  • $1,000 per person for travel delays ($300 per person daily limit)
  • $2,000 per person in coverage for baggage
  • $2,000 per person in coverage for sporting equipment
  • $500 per person for baggage delays
  • $500 per person for sporting equipment delays
  • $1,000 per person in coverage for missed connections
  • Air flight accident accidental death and dismemberment (AD&D) coverage worth $100,000 per person (maximum $200,000 per plan)
  • Travel accident AD&D coverage worth $50,000 per person (maximum $100,000 per plan)
  • $25,000 per person for rental car damage
  • 24-hour travel support
  • Identity theft resolution services

Coverage for 450-plus sports and activities

Generous benefits for emergency evacuation

No CFAR option available with this plan

No preexisting conditions waiver

  • Trip cancellation coverage for 100% of prepaid trip cost (up to $50,000)
  • Trip interruption coverage for 125% of prepaid trip cost (up to $62,500)
  • Trip delay coverage up to $1,000 for delays of 12 hours or more ($200 per day)
  • Inconvenience benefits worth up to $500 per trip
  • Medical coverage up to $100,000
  • $10,000 in coverage for search and rescue (not available in New York)
  • Up to $1 million in coverage for emergency medical evacuation
  • Up to $3,000 in coverage for baggage and personal effects
  • Baggage delay coverage worth up to $750 after a delay of 12 hours or more
  • Sports equipment rental coverage worth up to $5,000 (not available in New York or Washington)

Useful medical coverage for frequent travelers to Mexico

Potential for high coverage limits for medical expenses

No coverage for trip cancellation

Available coverage limits vary by age

  • Up to $250,000 in maximum coverage for illnesses and injuries
  • Up to $100,000 in coverage for emergency medical evacuation
  • $10,000 in coverage for political evacuation
  • $1,000 in coverage for emergency dental expenses
  • Up to a $20,000 lifetime maximum for repatriation of remains
  • $5,000 in trip interruption insurance
  • Up to $3,000 for lost checked luggage ($6,000 lifetime maximum)
  • Travel delay coverage worth up to $100 per day after delays of 12 hours (two-day maximum)
  • Personal liability coverage worth up to $25,000

Why Trust U.S. News Travel

Holly Johnson is a seasoned travel expert who has been creating content about travel insurance, cruises, all-inclusive resorts and more for more than a decade. She has visited more than 50 countries around the world and has an annual travel insurance plan of her own. Johnson also has experience navigating the claims process for travel insurance plans and has successfully filed several travel insurance claims for trip delays and trip cancellations more than once. Johnson works with her husband, Greg, who is licensed to sell travel insurance, and owns the travel agency Travel Blue Book .

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bcaa travel insurance mexico

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Travel Insurance For A Mexico Vacation

Updated: Oct 17, 2023, 10:27am

Fact Checked

Table of Contents

Maintain vigilance for your personal safety, plan for day-trips, tours and more, severe weather concerns, medical coverage for mexico, medical evacuation insurance considerations, using baggage coverage for problems in mexico.

Planning a Mexico vacation is relatively simple. There are ample direct flights to most Mexico cities, and lodging options run the gamut from budget hotels to luxury all-inclusive beachfront resorts.

But before you board your flight to the promise of sun and sand, be sure to purchase travel insurance to protect yourself and your bank account from unexpected travel mishaps.

Featured Partner Offer

World Nomads Travel Insurance Review

On World Nomad’s Website

Emergency medical

$5 million, $10 million

Cancel For Any Reason (CFAR)

Baggage insurance (Maximum)

$1,000, $3,000

Specifically, make sure your trip to Mexico is stocked with coverage for trip cancellation, trip delay, trip interruption, emergency medical expenses and baggage.

It’s widely known that Mexico is a place for joyous festivities such as Día de los Muertos, or Day of the Dead, but like any other destination, common sense will play a role in remaining safe.

“Although Mexico is rich and diverse in so many ways, certain areas have a reputation for crime. Robberies, pickpocketing and carjackings can happen, even with a police presence around,” says Christina Tunnah, General Manager of Marketing and Brands with World Nomads , a travel insurance provider. “When you’re out late at night, whether it is a bar, club or nocturnal festival, it’s important to use common sense and take safety precautions.”

Tunnah also warns that alcohol poisoning and drink-spiking can occur, which is why it’s important to be extra careful when out and about.

Before booking their flights and hotel accommodations, savvy travellers know to check for any existing travel advisories that will alert visitors to any potential threats. The Government of Canada currently lists Mexico at a level 2 travel advisory, or  exercise a high degree of caution. There is also a level 3 travel advisory, or avoid all non-essential travel, for certain regions due to high levels of criminal activity and kidnapping.

Although Mexico is a popular draw for all-inclusive resorts and cruises, there is no shortage of ways to explore Mexico independently.

“You can ride the waves in the sleepy surf towns of Northern Baja or go scuba diving in the Yucatan’s cenotes (limestone sinkholes). For whatever you choose to do and however you choose to do it, you’ll want to make sure that your travel insurance plan covers adventure sports and activities,” says Tunnah.

Be aware that not all travel insurance plans automatically cover high-risk travel or adventure and extreme sports. You may have to purchase an upgrade or look for a policy that covers the adventure activities you have planned. For example, TuGo Travel Insurance offers a Sports & Activities Coverage add-on that covers up to $10 million for eight listed activities, mountaineering or rock climbing, and up to $500,000 for higher risk activities, including scuba diving over 40 metres or free diving.

Mexico, like other regions, is prone to hurricanes and tropical storms so it’s smart to buy coverage for trip cancellation and trip delay.

Trip cancellation insurance:  If you’ve paid for excursions, hotel rooms or other non-refundable expenses,  trip cancellation insurance will work in your favour. For example, if a storm hits your Mexico destination and forces you to cancel the trip, a travel insurance plan can cover 100% of the non-refundable trip expenses that you prepaid.

If you want to cancel a trip due to fear of a current storm (that may be in the vicinity but not projected to hit your destination), that cancellation likely would not be covered under a travel insurance plan. Check the fine print to see what is and is not covered.

In such a case, having optional “cancel for any reason” (CFAR) coverage might be beneficial. This upgrade will allow you to make a trip cancellation claim for any reason not listed in the base policy. Reimbursement is usually 50% or 75% under a CFAR claim.

Trip delay insurance: If your flights are delayed because an incoming flight is cancelled, for example,  trip delay insurance can reimburse you for the costs of meals, personal care items, and transportation and hotel accommodations during an unexpected delay. Inclement weather or mechanical issues are usually covered for a travel delay claim.

It’s important to know that a travel insurance policy has a specific time frame of delay before you’re eligible to make a travel delay claim, which is typically three to 12 hours.

Trip interruption coverage: Comprehensive travel insurance plans include trip interruption insurance in case you need to cut your trip short and return home. These benefits apply if you or a travelling companion become ill or injured during a trip, for example.

In addition, you can be covered if a family emergency requires you to return home. For example, if you are in Cancun and your two children are staying with your in-laws, and one of the kids becomes extremely ill, that scenario would be covered under trip interruption benefits. The benefits would not only reimburse you for the cost of changing your flights or booking a new flight, but also reimburse you for any pre-paid and non-refundable costs for parts of the trip you didn’t use.

Your provincial or territorial health plan may provide zero or very little coverage outside Canada. This is why travel medical insurance  is so vital for emergency medical expenses.

In Mexico you could encounter mosquito-borne illnesses such as dengue fever and malaria, or traveller’s diarrhea (also known as Montezuma’s Revenge). To help combat such illnesses, Canadian Travel Clinics provides a list of vaccinations that you should consider getting before you leave on your Mexico trip.

Still, not every illness or accident can be avoided. Whether you need an overnight hospital stay or simply a visit to the local clinic, you can use emergency medical coverage. A travel insurance plan will also offer a 24/7 emergency travel assistance provider . This emergency assistance team can help out with the logistics of finding and getting you to a medical facility and, once you’re there, monitoring your care.

You can find emergency medical plans starting at $1 million in coverage and up.

Depending on the specific region of Mexico that you’re visiting, the distance to the nearest medical facility that’s well-equipped to treat severe illnesses or injuries could vary.

For this reason, it’s important to have a good level of coverage for emergency medical evacuation that pays to get you to the nearest adequate medical facility. If your condition warrants it, the coverage could also pay for your repatriation, or your return to Canada, for treatment.

Emergency medical evacuation coverage may be included in the overall emergency medical benefit limit or have its own limit, such as $500,000.

If you are taking in the city at a bazaar, or dining in an authentic street-side eatery, be sure to keep track of your personal belongings. If you do have your camera stolen, for example, this is where baggage insurance in a travel insurance plan can help.

Be sure to report the theft to local law enforcement and contact your travel insurance company to submit a claim. (Some plans require that home insurance pays out first.) This would fall under coverage for baggage and personal effects.

If your wallet or purse is swiped, you can also call your travel insurance company’s 24/7 emergency assistance hotline for help with replacing your ID and getting your credit cards replaced.

The Bottom Line

Mexico is a relatively cheap country to visit famous for its incredible food, stunning beaches, rich culture and friendly people. Just don’t make the mistake of skimping out on adequate travel insurance because if a travel emergency strikes, your so-called “budget vacation” could quickly drain your bank account.

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Erica Lamberg is a personal finance and travel writer based in suburban Philadelphia. She is a regular contributor to USA Today and her writing credits include NBC News, U.S. News & World Report, Business Insider, Oprah Magazine and Creditcards.com. Erica is a graduate of the University of Maryland at College Park.

Jason Metz is a writer who has worked in the insurance industry since 2007. As a former claims handler and fraud investigator, he’s seen a lot, and enjoys helping others navigate the complexities and opaqueness of insurance. He has a B.S. in Criminal Justice from Kutztown University and an M.F.A. in Creative Writing from the University of California Riverside, Palm Desert.

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Mexico Travel Insurance

Travel insurance for mexico.

Welcome to Mexico! A country brimming with vibrant colors, rich history and a tapestry of cultural marvels. From the ancient ruins of Chichen Itza to the sun-kissed beaches of Cancun, Mexico beckons millions of travelers each year to indulge in its diverse landscapes and warm hospitality. In this article, we will delve into the intricacies of travel insurance tailored for Mexico, ensuring your journey is not only filled with the enchantment of mariachi melodies and spicy cuisine but is also flexible against any unexpected twists. ¡Vamonos!

  • What should your Travel insurance cover for a trip to Mexico? 
  • How does Travel Insurance work for Mexico?
  • Do I need Travel Insurance for Mexico? 
  • How much does Travel Insurance cost for Mexico? 
  • Our Suggested AXA Travel Protection Plan
  • What types of medical coverage does AXA Travel Protection plans offer?
  • Are There Any COVID-19 Restrictions for Travelers to Mexico?

Traveling with pre-existing Medical Conditions? 

What should your travel insurance cover for a trip to mexico.

At a minimum, your travel insurance should cover trip cancellation, trip interruption and emergency medical expenses. When it comes to international travel, the US Department of State outlines key components that should be included in your travel insurance coverage.  AXA Travel Protection plans are designed with these minimum recommended coverages in mind. 

  • Medical Coverage   – The top priority is making sure your health is in order. With AXA Travel Protection, you can have access to quality healthcare during your trip overseas in the event of unexpected medical emergencies.    
  • Trip Cancellation & Interruptions  – Assistance against unexpected trip disruptions can dampen the mood, AXA Travel Protection offers coverage against unforeseen events.   
  • Emergency Evacuations and Repatriation   – In situations where transportation is dire, AXA Travel Protection offers provisions for emergency evacuation and repatriation.   
  • Coverage for Personal Belongings  – AXA offers coverage for your belongings with assistance against lost or delayed baggage.   
  • Optional Cancel for Any Reason  – For added flexibility, AXA offers optional Cancel for Any Reason coverage, allowing you to cancel your trip for non-traditional reasons.  Exclusive to Platinum Plan holders. 

In just a few seconds, you can get a free quote and purchase the best travel insurance for Mexico.

How does Travel Insurance work in Mexico?

Picture this: you're strolling through the lively streets of Oaxaca, immersed in the vibrant atmosphere of local markets and savoring the diverse flavors that Mexico unfolds before you. Suddenly, a wave of discomfort sweeps over you, signaling that the delectable street food might not have agreed with your stomach. As you grapple with feeling unwell, the assurance of AXA Travel Protection comes to the forefront. With AXA by your side, we stand ready to guide you to the nearest medical facility, ensuring you receive the care and assistance needed. Here’s the full list of how travelers can benefit from an AXA Travel Protection Plan:

Medical Benefits: 

  • Emergency Medical Expenses: Should you fall ill or have an accident during your trip, your policy may offer coverage for medical expenses, including hospital stays and doctor's fees. 
  • Emergency Evacuation & Repatriation: In case of a serious medical emergency, your policy may include provisions for evacuation to the nearest appropriate medical facility or repatriation. 
  • Non-Emergency Evacuation & Repatriation : In non-medical crises (e.g., political unrest), your policy may cover evacuation or repatriation, subject to policy terms. 

Pre-Departure Travel Benefits: 

  • Trip Cancellation: You may be eligible for reimbursement if you cancel your trip due to a sudden illness or injury. 
  • COVID-19 Travel Insurance: Coverage is available for trip cancellation and medical expenses related to COVID-19, subject to policy terms and conditions. 
  • Trip Delay: If your flight faces delays due to unforeseen circumstances, you may have coverage for additional expenses such as meals and accommodations. 

Post-Departure Travel Benefits

  • Trip Interruption: In case of an unexpected event, you could be eligible for reimbursement for the unused portion of your trip.
  • Missed Connection: If you miss a connecting flight due to delays or cancellations, this coverage may help with expenses like rebooking fees and accommodations.

Baggage Benefits: 

  • Luggage Delay: If the airline delays your checked baggage, your policy might offer reimbursement for essential items like clothing and toiletries. 
  • Lost or Stolen Luggage: In the unfortunate event of permanent loss or theft of your luggage, your policy may offer reimbursement for its value, assisting you in replacing your belongings. 

Additional Optional Travel Benefits:  

  • Rental Car (Collision Damage Waiver): Exclusive to Gold & Platinum plan policy holders, this optional benefit gives travelers extra coverage on their rental car against damage and theft. 
  • Cancel for Any Reason: Exclusive to Platinum plan policy holders; this optional benefit gives travelers more flexibility to cancel their trip for any reason outside of their standard policy. 
  • Loss Skier Days: Exclusive to Platinum plan policy holders, this optional benefit offers reimbursement to mitigate some costs associated with pre-paid ski tickets that you or your traveling companion cannot use due to specified slope closures. 
  • Loss Golf Days: Exclusive to Platinum plan policy holders, this optional benefit offers reimbursement to mitigate the expenses linked to prepaid golf arrangements that you or your travel companion are unable to utilize due to specified golf closures. 

Do I need Travel Insurance for Mexico?

Travel insurance is highly recommended for your trip to Mexico. While Mexico offers incredible experiences, having travel insurance can offer coverage against unforeseen events. Here are a few examples:

Medical Emergencies: Your health is a top priority. If you face a sudden illness or injury in Mexico, travel insurance offers the means to receive prompt and quality medical care.

Lost Baggage: Airlines sometimes mishandle baggage, and the last thing you want is to be without your essentials in an unfamiliar place. Travel insurance offers to cover the cost of replacing necessary items, allowing you to continue on.

Flight Delays: Travel disruptions like flight delays can happen. If you miss a connecting flight or incur additional expenses due to delays, travel insurance can help cover the costs.

How much does Travel Insurance cost for Mexico?

In general, travel insurance costs about 3 – 10% of your total prepaid and non-refundable trip expenses. The cost of travel insurance depends on two factors for AXA Travel Protection plans: 

  • Total Trip cost:  The total non-prepaid and non-refundable costs you have already paid for your upcoming trip. This includes prepaid excursions, plane tickets, cruise costs, etc. 
  • Age:  Like any other insurance type, the correlation is rooted in increased health risks associated with older individuals. It's important to note that this doesn't make travel insurance unattainable for older individuals. 

With AXA Travel Protection, travelers to Mexico will be offered three tiers of insurance:  Silver,   Gold  and  Platinum . Each provides varying levels of coverage to cater to individual's preferences and travel needs. 

Our Suggested AXA Travel Protection Plan 

AXA presents travelers with three travel plans – the  Silver Plan ,  Gold Plan , and  Platinum Plan , each offering different levels of coverage to suit individual needs. Given that Mexico hospitals often do not accept U.S. health insurance or Medicare, we genuinely recommend travelers to consider purchasing any of these plans, particularly for the crucial coverage they offer for emergency accident and sickness medical expenses.

The Platinum Plan  is your go-to choice if you're looking for extra coverage aligned with the Mexico experience. " Cancel for Any Reason " offers greater flexibility for those unexpected twists in your travel plans and the " Rental Car (Collision Damage Waiver) " offers assistance when you're out exploring the Mexico's stunning landscapes in a rental car.  Additionally, an optional benefit to the Platinum plan is Lost Golf Days. It can offer reimbursement if your tee time is delayed or canceled due to weather or construction.

What types of medical coverage do AXA Travel Protection plans offer?

Axa covers three types of medical expenses:

  • Emergency medical expenses 
  • Emergency evacuation & repatriation 
  • Non-medical emergency evacuation & repatriation 

Emergency Medical: Unforeseen incidents that may occur, including unexpected illnesses, allergic reactions, broken bones, burns and more.

Emergency Evacuation and Repatriation: Can cover your immediate transportation home in the event of an accidental injury or illness. 

Non-Medical Emergency Evacuation and Repatriation: Can help with evacuation when an immediate departure from a destination is necessary due to non-medical-related events, such as civil unrest or natural disasters.

Are there any COVID-19 Restrictions for Travelers to Mexico?

Mexico has dropped all COVID-19 restrictions for travelers from the United States. However, upon entering, Mexico requires all travelers to register and submit a health declaration form. Travelers will receive a QR code at the port of entry. To stay up to date with visit Mexico’s Entry requirements visit: Mexico International Travel Information (state.gov) .

Traveling with preexisting medical conditions can complicate your plans, but with AXA Travel Protection, we're here to support you during your trip.

Traveling with pre-existing medical conditions can complicate your plans, but with AXA Travel Protection, we're here to support you during your trip.   Our Gold and Platinum  plans offer coverage for pre-existing medical conditions.  The Platinum plan, in particular, is our highest-offered choice for travelers who want our highest coverage limits and optional add-ons,

What does this mean for you? If you've got a medical condition hanging around, you can qualify for coverage under our Gold and Platinum plans with a pre-existing medical condition , so long as it’s within 14 days of placing your initial trip deposit and in our 60-day look-back period. We're here to ensure you travel easily, no matter your health situation.  

Discover our Travel Insurance for CARIBBEAN ISLAND Travel Insurance Colombia  | Travel Insurance Jamaica | Travel Insurance Costa Rica | Travel Insurance Belize |

1. can you buy travel insurance after booking a flight.

You can buy travel insurance even after your flight is booked.

2. When should I buy Travel Insurance for Mexico?

It's advisable to purchase travel insurance for your trip as soon as you have made your initial trip deposit (prepaid and non-refundable trip costs.) AXA Travel Protection offers coverage as soon as you purchase your protection plan. We can give coverage against unforeseen events before you leave for your trip. Additionally, our policies offer coverage for preexisting medical conditions and Cancel for Any Reason if you purchase your protection within 14 days of making your initial trip deposit.

3. Do Americans need travel insurance in Mexico?

No, travel insurance is not currently required to visit Mexico. But it is recommended.

4. What is needed to visit Mexico from the USA?

If you're visiting Mexico from the USA, all you need is your passport. Your passport needs to be valid at least six months beyond the date of your arrival.

5. What happens if a tourist gets sick in Mexico?

If you become sick in Mexico, travelers with AXA Travel protection can contact the AXA Assistance hotline at  855-327-1442 . Contact information is typically provided within the insurance documentation. Please ensure to read through your policy details and information.

Disclaimer: It is important to note that Destination articles are for editorial purposes only and are not intended to replace the advice of a qualified professional. Specifics of travel coverage for your destination will depend on the plan selected, the date of purchase, and the state of residency. Customers are advised to carefully review the terms and conditions of their policy. Contact AXA Travel Insurance if you have any questions.  AXA Assistance USA, Inc.© 2023 All Rights Reserved.  

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Six Travel Mistakes to Avoid

No travel medical insurance? Unnecessary luggage and hotel fees? Here are the biggest travel mistakes people make and how you can avoid them.

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A child sits on his suitcase at the airport looking up at the departures board.

Even the most seasoned tourists can make travel mistakes when planning a vacation. Some blunders can be minor infractions, but others can cost travelers a lot of money and heartache. 

But there are steps you can take to avoid travel mistakes. Here are six slip ups that travelers may make this year, plus tips on how to avoid them.

1. Overlooking travel medical insurance

Christopher Elliott , a consumer advocate and founder of the nonprofit Elliott Advocacy , says many people don’t consider purchasing travel medical insurance . “People often think nothing bad will happen before or on their vacation, but then they get injured overseas and need to go to the hospital, and the next thing they’re looking at is a $10,000 hospital bill.” Indeed, nearly one in four Americans report they’ve experienced a medical issue while traveling abroad, according to a 2023 survey sponsored by GeoBlue, an international health insurance company. 

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Unfortunately, most U.S. healthcare plans — including employer group plans, Medicare and Affordable Care Act plans — offer limited or no medical coverage outside the U.S. 

How to avoid: One solution is to purchase a travel medical insurance policy, a type of insurance that provides coverage for a range of medical emergencies while traveling abroad, from minor injuries to major events like heart attacks and strokes, to medical evacuation and emergency transport in the case of severe emergencies. 

The average travel medical insurance plan costs $89, according to Squaremouth , a travel insurance comparison website. Squaremouth advises international travelers to obtain a policy that provides a minimum of $50,000 in emergency medical coverage and at least $100,000 in medical evacuation coverage. 

Note: Some travel insurance policies include emergency medical coverage and medical evacuation coverage up to certain limits.

2. Getting hit with unnecessary luggage fees

You may have heard that a number of airlines — including American Airlines , Delta , and JetBlue Airways — recently raised their prices for checked bags. But one thing a lot of travelers aren’t aware of, Elliott says, is that some are now charging customers more if they check a bag at the airport versus paying to check a bag in advance. For instance, JetBlue customers flying within the U.S., Latin America, the Caribbean and Canada can save up to $20 on their first two checked bags ($10 savings per bag) when they add them to their flight reservation at least 24 hours before departure.

How to avoid: Make sure to pay ahead of time for any bags that you plan to check.

3. Incurring hidden hotel fees

Wi-Fi fees, early check-in fees, gym fees—hotels today charge guests no shortage of extra fees and surcharges . It’s a widespread problem: In an April 2023 survey by Consumer Reports , nearly four out of 10 (37%) U.S. adults said they had experienced a hidden or unexpected hotel fee in the previous two years.

How to avoid: Many hotels offer to reduce or, in some cases, waive certain fees to guests who join their loyalty program, which is free in most cases. Also, sometimes simply asking an employee at check-in to waive certain fees could do the trick.

4. Not utilizing a key search feature on Airbnb

Like hotels, Airbnb rental property owners often tack on extra fees, such as cleaning fees, fees for additional guests beyond a certain number, and service fees. These additional costs can add hundreds of dollars to your bill.

How to avoid: Elliott praised Airbnb for introducing a feature in December 2022 that allows guests to view a stay’s total costs, before taxes, when searching for rental properties. But he says there’s a caveat: “If you’re in the U.S., you need to change a setting in order to see the full rate when you search for rentals.”

To enable the feature, click the slider on the upper right of the search page that says, “Display total before taxes.”

5. Paying full price for a rental car

First, the good news: “The rental vehicle shortage has improved,” Elliott says. That’s resulted in a stabilization of rates, with rental car prices recently averaging $42 a day, up only 3% from last year, according to a report from the travel search company Hopper. The bad news? Renting a car is still more expensive than it was before the pandemic, especially for travelers who pay full freight.

How to avoid: There are several ways you can avoid paying full price. Big-box stores such as Costco , BJ’s and Sam’s Club provide their members discounts on certain rental cars. AARP and AAA also offer their members discounted rates. ( AARP members save up to 30% on base rates at Avis and Budget Rent A Car; AAA members save up to 20% on Hertz rentals). In addition, a number of credit card companies offer certain cardholders rental car discounts when they book a vehicle from specific rental car companies.

You may also be able to nab a lower rate by prepaying when you book a reservation. And, some rental car companies offer limited-mileage plans at a lower cost, which could be a good option if you’re planning to take just a short trip.

Tip: See if your credit card offers rental car insurance before you pay for insurance from a rental car company.

6. Encountering sky-high hotel rates because of Taylor Swift’s European tour

When Taylor Swift performs a concert, sometimes tens of thousands of out-of-town fans descend on the city, causing hotel prices to spike. Consider: the median rate for a standard hotel room during an Eras Tour date in Europe this year is projected to jump by 44%, with average hotel room prices in Warsaw surging a staggering 154% during her tour date there, according to a recent study by Lighthouse , a travel and hospitality research company.

How to avoid: The simplest approach for Europe-bound travelers in 2024, Elliott says, is to avoid traveling to a destination during a Taylor Swift tour date in that city. “When Taylor Swift comes to town all of the hotels sell out, and it becomes very difficult to find a reasonably priced hotel,” he says.

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Daniel Bortz is a freelance writer based in Arlington, Va. His work has been published by The New York Times, The Washington Post, Consumer Reports, Newsweek, and Money magazine, among others.  

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bcaa travel insurance mexico

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How can i make a claim on my travel insurance policy, you can make a claim on your bcaa travel insurance policy online, over the phone or via email 24 hours a day. cxo-travelservice jan 23, 2024 • knowledge.

  • From Canada & US:  1.833.560.0522
  • From Mexico:  800.083.0811
  • Outside N. America & Mexico (Global toll-free*):  800.464.71111
  • Worldwide (collect**):  519.325.1567

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Bcaa launches new, quick online guide to help air travellers know their rights.

BURNABY, BC , Feb. 27, 2024 /CNW/ - Today sees the launch of an easy-to-use online tool to help air travellers navigate the rules, their rights and compensation when they run into problems such as flight delays, cancellations, lost bags or getting bumped from a flight.

BCAA's Air Passenger Help Guide  at bcaa.com/travelhelp is available free to everyone and offers travellers a plain-language guide that answers questions about the most common flight disruptions. "Travel issues are complex, and the rules protecting air travellers are complicated, so we want to help," says BCAA travel insurance marketing manager Alana Udovicic . She points out that Canada's federal rules governing air passenger rights are complicated and hard to absorb quickly as they run to over 60 pages.

With spring break around the corner, more British Columbians are booking trips and hoping for smooth travels. Unfortunately, things don't always go as planned. According to a recent survey for BCAA, 66% of British Columbians say they or someone they know has experienced a flight disruption in the last two years. Unfortunately, 76% also admit to not being clear on their rights when air travel goes wrong.

Air travellers wondering what, if anything, their airline owes them should things go wrong can consult BCAA's new guide for quick help. BCAA encourages travellers to save the link on their phone as part of their trip preparation, so wherever they are, they can find out what they're due the moment something goes wrong. BCAA is also noticing an increase in people buying travel insurance as a way to bring peace of mind.

"Our goal is always to give travellers information, protection, and support right there 'in the moment'," Udovicic says. The new BCAA Air Passenger Help Guide is the latest initiative, and BCAA Travel insurance has just launched a new service offering more instant support by tracking customers' flights and immediately transferring money to them if a flight is delayed or baggage goes missing.

"We all hope for a smooth journey, but when something goes wrong, we want to be there to help with information and funds," Udovicic says. "We've had situations where our Travel Insurance customers have received a link to claim their cash before they even know their flight is delayed," she says. "When people are heading off on vacation they need a break – not a hassle."

Visit BCAA's Air Passenger Help Guide at bcaa.com/travelhelp

Learn about and buy BCAA Travel Insurance at bcaa.com/travel

About the survey

The survey results, conducted by Earnscliffe Strategies, are based on a poll of 2,503 Canadians, which included 375 British Columbians, carried out from October 20 to 30, 2023 . A probability sample of the same size would yield a margin of error of +/-2%.

Driven by its purpose to move British Columbians forward, BCAA (British Columbia Automobile Association) provides over 1 in 3 B .C. households with industry leading mobility and protection services including Membership, Insurance, Evo Car Share , and Auto Service. It is one of Canada's most trusted brands in association with CAA (Canadian Automobile Association) and a long-standing BC Top Employer (Mediacorp). BCAA invests to build stronger, connected communities across BC and holds itself accountable to its purpose by setting goals related to its impact on People, the Planet and Prosperity, and sharing results in its annual Impact Report .

SOURCE British Columbia Automobile Association (BCAA)

View original content: http://www.newswire.ca/en/releases/archive/February2024/27/c4454.html

IMAGES

  1. Get the Best Travel Insurance for Mexico

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  2. BCAA Travel Insurance-SAVE 10% on BCAA Travel Insurance-

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  3. Mexico Travel Insurance General FAQs

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  4. Mexico Travel Insurance: Is It Worth It

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  5. Travel

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  6. bcaa travel insurance claim

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  1. Entegra Coach Coach-Expanse-21B

COMMENTS

  1. Travel Insurance

    Travel Insurance is sold through B.C.A.A. Holdings Ltd. dba BCAA Insurance Agency, a licensed insurance agent and is underwritten by BCAA Insurance Corporation. Insurance claims are administered by Orion Travel Insurance, a division of Echelon Insurance, and its subcontractors, Active Care Management (2018) Inc. and Global Excel Management Inc ...

  2. Travel Insurance Claims

    For matters other than to make a claim, such as checking your claims status or providing more information about a claim, email BCAA Claims Assistance at [email protected]. Make a claim over the phone: From Canada & US: 1.833.560.0522. From Mexico: 800.083.0811.

  3. Travel Insurance Policy

    BCAA Travel Insurance 7 BASE PLANS Travel Emergency Medical Insurance: Annual Multi-trip and Single Trip 8 Trip Protection Package: Annual Multi-trip and ... To extend your policy while travelling, simply call BCAA: From Canada & USA Mexico 1.888.268.BCAA (2222) 01.800.083.0811 Outside Canada & USA Worldwide (global toll-free) (collect)

  4. How can I make a claim on my Travel Insurance Policy?

    You can make a claim or check your claim status online. You will be asked to create or login to your account. Alternatively you can make a claim over the phone: From Canada & US: 1.833.560.0522. From Mexico: 800.083.0811. Outside N. America & Mexico (Global toll-free*): 800.464.71111. Worldwide (collect**): 519.325.1567.

  5. FAQ

    When Trip Protection Package is added to a BCAA Travel Emergency Medical policy, Travel Delay +AutoPay provides real-time automatic payouts for registered flight and baggage delays and/or cancellations. ... BCAA Travel Insurance can offer optional coverage up to $300,000 for unstable pre-existing conditions, however the stability period varies ...

  6. BCAA Travel Insurance Review 2024

    Touted as B.C.'s top choice for travel insurance, BCAA offers an impressive selection of medical and trip protection coverage that is both flexible and affordable. ... Mexico, 7 days, $3,000 ...

  7. How can I get a quote for Trip Protection Insurance?

    There are several different ways to obtain a quote - you can get a quote online, you can get a quote over the phone at 1.888.268.2222 or you can get a quote in person by visiting your nearest BCAA Service Location . Travel Insurance Quoting & Purchasing Trip Protection Coverage.

  8. What are my travel insurance coverage options?

    BCAA Travel Insurance offers emergency medical plans for Canadians (when they are purchasing Travel Insurance within British Columbia) and Visitors to Canada, as well as Trip Protection Package which includes Trip Cancellation & Interruption Coverage, Baggage Coverage, Travel Accident Coverage and Travel Delay & COVID-19 Quarantine coverage ...

  9. Emergency Medical

    BCAA is with you every step of the way with BC's Top Choice for Travel Insurance. Get $10,000,000 in coverage for emergency medical expenses, including 24/7 Virtual Care in the event of a claim. Plus, whenever possible we will pay your medical provider directly so you aren't out of pocket.

  10. How can I get a quote for Travel Medical Insurance?

    There are several different options to get a travel medical insurance quote. You can get a quote online, over the phone, in person or via email. Jan 24, 2023 • Knowledge

  11. FAQ

    Through BCAA you can purchase Emergency Medical Travel Insurance, Visitors to Canada Insurance and/or a Trip Protection package to cover you on your travels. 1737 Views • Sep 28, 2022 • Knowledge My flight was delayed or cancelled, what will my Travel Insurance cover?

  12. Mexico Travel Insurance 2024: Best Plans & Costs

    Key points The average cost of travel insurance for an eight-day trip to Mexico is $157. Comprehensive travel insurance for Mexico should include coverage for trip cancellation, trip delay, trip ...

  13. The Best Travel Insurance for Mexico in 2024

    Highlights: Up to $1 million in coverage for emergency medical evacuation and transportation. $250,000 coverage limit for medical expenses ($500 limit for dental emergencies) 100% of trip cost for ...

  14. BCAA Travel Insurance Policy

    With BCAA Travel Insurance, you choose your medical provider — you may obtain treatment in any hospital anywhere in the world. Please contact BCAA Claims Assistance as soon as you have a ... Mexico 800.083.0811 ico (global toll-free) * 800.464.71111 Worldwide (collect) **519.325.1567

  15. Travel Insurance For A Mexico Vacation

    Planning a Mexico vacation is relatively simple. There are ample direct flights and lodging options. Before you board your flight to sun and sand, be sure to purchase travel insurance.

  16. What coverage does my BCAA Membership provide if I am travelling to

    Your BCAA Membership coverage follows you as the Member in Canada, the US and around the world! While each local Automobile Association may offer different levels of coverage, you can rest assured that you are fully covered under your current BCAA Membership Plan.All you need to do is just contact the local Automobile Association and provide your BCAA Membership information to request service.

  17. Travel Insurance For A Mexico Vacation

    On World Nomad's Website. Emergency medical. $5 million, $10 million. Cancel For Any Reason (CFAR) No. Baggage insurance (Maximum) $1,000, $3,000. Specifically, make sure your trip to Mexico is ...

  18. Travel Insurance for Mexico

    In general, travel insurance costs about 3 - 10% of your total prepaid and non-refundable trip expenses. The cost of travel insurance depends on two factors for AXA Travel Protection plans: Total Trip cost: The total non-prepaid and non-refundable costs you have already paid for your upcoming trip. This includes prepaid excursions, plane ...

  19. Baja Shield

    When driving across the border into Mexico, it's essential to have Mexican insurance since U.S. or Canadian insurance is not recognized in Mexico. Baja Shield provides the insurance you need to ensure you have the appropriate coverage, whether it's basic liability or comprehensive protection. Get Quote.

  20. Six Travel Mistakes to Avoid

    Here are six slip ups that travelers may make this year, plus tips on how to avoid them. 1. Overlooking travel medical insurance. Christopher Elliott, a consumer advocate and founder of the ...

  21. How can I make a claim on my Travel Insurance Policy?

    You can make a claim or check your claim status online. You will be asked to create or login to your account. Alternatively you can make a claim over the phone: From Canada & US: 1.833.560.0522. From Mexico: 800.083.0811. Outside N. America & Mexico (Global toll-free*): 800.464.71111. Worldwide (collect**): 519.325.1567.

  22. BCAA launches new, quick online guide to help air travellers know their

    The new BCAA Air Passenger Help Guide is the latest initiative, and BCAA Travel insurance has just launched a new service offering more instant support by tracking customers' flights and ...

  23. Car Insurance for Road Trips

    Travel insurance is always optional and may not be necessary for short-term road trips. However, if you're taking an extended trip, travel insurance can be worthwhile. If you need to cancel your travel plans due to an unexpected illness, severe weather, or another reason covered by your policy, travel insurance may help reimburse you for ...