Travel insurance for Mexico
Travel insurance for Mexico
When you’re travelling as far as Mexico, you’ll want to be prepared. We look at how to find and compare Mexico travel insurance so you can enjoy your trip with peace of mind.
Do I need travel insurance for Mexico?
Yes – while it’s not compulsory, it’s advisable to have travel insurance if you’re visiting Mexico. You aren’t entitled to free healthcare in Mexico, so if you’re ill or injured and need a doctor, you’ll have to pay for it out of your own pocket. However, if you have insurance your medical costs will usually be covered, and you could also be flown home for continuing treatment in the UK.
It's worth noting that the sort of insurance policies that come free with some bank accounts may only cover Europe. When you travel to Mexico you will need worldwide travel insurance for your trip.
Over half a million Brits travel to Mexico every year and while most visits are trouble-free, tourists have been victims of crime in the past. Another very good reason to equip yourself with travel insurance.
On 4 April 2020, the Foreign and Commonwealth Office advised against all non-essential travel overseas for an indefinite period. In this unprecedented time, we are temporarily not providing travel insurance comparisons for trips outside the UK, until we have complete confidence we can get you a policy to meet your needs.
As of 23rd March 2020, the UK Government announced a series of restrictions to travel, public spaces and gatherings. For a minimum of three weeks, people are being instructed to stay at home whenever possible. For this reason, travel insurance policies purchased from this date, for trips within the UK with a start date before 13th April 2020, will not be valid.
The UK Government also instructed all British tourists and travellers, that are currently abroad, to return to the UK as soon as possible.
Coronavirus was declared a pandemic on 11th March 2020, so this may also affect your policy, particularly those taken out on or after that date. Please check any existing policies carefully, to find out what you’re covered for.
What should I think about when choosing travel insurance to Mexico?
Travel insurance policies vary, so it’s important to find one that matches your needs. There are a few things to consider before you compare Mexico travel insurance:
- What activities are you doing? Some activities are considered riskier than others, so if you’re planning on diving, horse riding, surfing or even caving (all popular activities in Mexico) check that your insurance covers you should anything go wrong. Find out more about adventure travel insurance.
- Can you afford to pay medical costs up-front? Some insurance providers will expect you to pay medical costs up-front and then claim them back (so keep all the paperwork safe!). If you can’t afford this, go for a different policy. Just be aware that some hospitals in Mexico won’t deal directly with insurance providers, so always keep some spare funds available. Be sure to choose a policy that also pays for ambulances and emergency flights back home.
- What are you taking with you? Make sure your insurance covers the cost of replacing all your belongings if they are lost or stolen – whether it’s a few hundred pounds for a backpack of essentials, or a few thousand pounds worth of designer clothes, gadgets and SCUBA gear.
- What would you lose if you had to cancel? If (for a genuine reason) you can’t go to Mexico, travel insurance could give you peace of mind – but there’s always a limit to what your policy will pay for. Make sure your travel insurance covers the full cost of your trip. Find out more about cancellation cover.
Mexico travel insurance: A checklist
What needs to be in your travel insurance policy when you head to Mexico? Make sure you're covered for the following:
- holiday cancellation cover
- medical care
- damages, loss or theft of luggage
- flight delays
- pre-existing medical conditions
- personal liability cover
A holiday to Mexico is likely to be an expensive adventure, so make sure your insurance policy offers you the peace of mind you need.
Do I need a visa for Mexico?
If you’re visiting as a tourist, then you won’t need a visa, but you will need a tourist card. You can get this when you arrive in Mexico and sometimes on the flight there. Keep hold of your tourist card, because you’ll need it to leave. You’ll also need to make sure your passport is valid for as long as your stay.
Any other tips for visiting Mexico?
Here are a few things it’s good to know before you go:
- tap water: not generally safe to drink or use to brush your teeth. Only drink bottled water and avoid ice in your drink
- altitude sickness: many places in Mexico, including Mexico City, are at high altitudes. You may experience some fatigue, headaches and other symptoms of altitude sickness. Usually, if you take it easy, you’ll feel better in a couple of days
- currency: the currency is the Mexican Pesos (M$). ATMs are plentiful in big cities, but due to the risk of being a target of pickpockets, you’re best off finding one inside a bank
- vaccines: you should see your doctor at least one month before you travel just to double-check you’re fit. You might also be advised to have Hepatitis A and Tetanus vaccines - these are usually free on the NHS
- language: Spanish is the official language. Some English may be spoken, but it’s worth having a few Spanish phrases up your sleeve
- hotel staff: tipping is optional, but much appreciated as typical wages for hotel staff are very low (about $96 per day, which is just under £4)
- restaurants: tip 10-15% of the total bill (unless service is included)
- porters: tipping is expected - good to tip around $50 to $100
- taxi drivers: no need to tip unless they’ve done something above and beyond
Compare travel insurance for visiting Mexico
At Compare the Market, we help you find and compare Mexico travel insurance that’s right for you. Get started now and get it sorted in a flash.