Off to Mexico? Protect your trip with award-winning cover from InsureandGo3. Catch a wave or hike tropical rainforests. Our travel insurance for Mexico covers over 100 activities as standard. You can take us with you, whatever fiestas you’ve got planned.
What is Mexico travel insurance and do you need it?
Mexico welcomes more British tourists each year than any other Latin American country. And it’s no wonder the country’s so popular. With its tropical climate, world-class surfing and Aztec history, there are so many ways to enjoy yourself!
Our Mexico travel insurance covers your trip to this fascinating country. It’s not a compulsory entry requirement. But because healthcare in Mexico isn’t free for UK travellers, travel insurance is vital.
The best travel insurance for Mexico from the UK covers you for a range of incidents. Here’s what makes it a must:
- Covers emergency medical costs: You never know what health issues could occur on your holiday. If you fall ill or get injured in Mexico and don’t have travel insurance, you’ll have to pay hospital bills yourself. Medical costs in the USA and the Americas are notoriously expensive. For example, we paid out a claim in 2023 relating to epilepsy in Mexico with costs totalling more than £175,000.
- Covers repatriation: No one wants to think about the worst happening on their trip of a lifetime. But if you need to be flown home in an emergency, travel insurance to Mexico can cover the cost. Typical medical repatriation costs from South America to the UK are estimated at £85,000.
- Protects your valuables: Some 500,000 Brits travel to Mexico every year. Most visits are trouble-free, but street crime in Mexico is still a serious issue. Pickpocketing and theft are common, including on public transport. Travel insurance for Mexico can help replace your possessions. If you’re taking anything precious, gadget cover protects your valuables, up to £2,000.
- Includes cancellation cover: 48% of the people we surveyed listed cancellation cover as the most important travel insurance feature to them4. With Insureandgo, you’re covered for cancellation if you can’t travel for reasons beyond your control.
- Helps you make the most of your trip: Planning on catching a wave? With its consistent waves and warm weather, Cancun’s great for beginners. The best travel insurance for Cancun Mexico will cover surfing at no extra cost.
Make sure the policy you’ve chosen covers you for all the activities you have planned. Our policy wording provides full terms and conditions of what is and isn’t included.
Multiple parts of Mexico have “all but essential travel” warnings from the FCDO. Check the latest advice for travel to Mexico before you go. You’ll also need to check you’ve got all the vaccinations and visa requirements you need for your trip.
What does InsureandGo’s Mexico travel insurance cover?
What’s covered?
Our travel insurance for Mexico includes:
- Medical emergency expenses.
- Cover for cancellation of your trip.
- Our 24-hour emergency assistance team, available to call, day or night, wherever you are
- Over 100 sports and activities covered (see your policy wording for a full list of activities)
- Personal belongings and baggage cover.
- Personal money, passports and travel documents cover.
- Accommodation cover.
- Legal expenses cover.
What’s not covered?
There are some situations travel insurance will not cover. For example:
- You cannot cover events or reasons to claim which took place before you booked the trip or purchased insurance. Insurance exists to cover unexpected events outside of the insured’s control
- Claims which are less than the excess for that section of cover. For example, you cannot claim a £40 lost item if your baggage excess is £60
- All of our travel insurance policies include cover for cancellation of your trip, but there may be some exclusions. For example, you won’t be covered to cancel if you simply decide not to go
Find out about our optional add ons for activities like extreme sports, cruises and golf. Please note: Our winter sports add on cover is only available to those under 65.
We will consider all pre-existing medical conditions. Find out more about medical travel insurance.
The excess and amount of cover available varies depending on the level of travel insurance you buy. Check the policy wording to see the full terms and conditions.
The best travel insurance for Mexico
From beach resorts to off-the-beaten track, Mexico has an adventure for every explorer. Flexible options from InsureandGo let you tailor travel insurance policy to your trip. Can’t work out what you need? Here’s what we’d suggest.
- Travelling during Hurricane season? In Mexico, it lasts from June to November. Consider adding natural disaster cover to your policy.
- Feeling adventurous? With its rainforests and beaches, Mexico has so much to see and do. Our insurance covers over 100 amazing sports and activities at no extra cost. Want to try kite-surfing or sky-diving? Adding hazardous activity cover will ensure you’re protected.
- Away on business? Choosing business cover will protect your travel as well as your laptop.
- Sailing the Mexican Riviera? Experience the fun, flavour and fiesta of a Mexico cruise. Cruise holiday insurance can protect you against cruise-specific mishaps in Mexico. It includes cabin confinement, cruise interruption, itinerary changes and more.
- Mexico just the start of your adventure? Worldwide travel insurance can cover your trip. You’ll need to opt for a worldwide policy that includes the USA, Mexico, Canada, and the Caribbean.
Make sure you read our policy wording for more information on what is and isn’t included.
Choose a cover level to suit your travel needs
| Black | Gold | Silver | |
| Medical expenses and repatriation | Unlimited | £15 million | £10 Million |
| Cancellation and curtailment | £10,000 | £7,500 | £5,000 |
| Travel delay | Up to £650 | Up to £540 | Up to £450 |
| Personal belongings | £5,000 | £2,500 | £2,000 |
| Legal Expenses | £60,000 | £50,000 | £15,000 |
| Standard Excess | Nil | £50 | £60 |
How to book our travel insurance for Mexico
Ready to dive into Mexico’s rich culture? Getting a travel insurance quote for your trip is quick and easy.
Here’s how it works:
1. Tell us your plans
Let us know your travel dates, destinations, and who you’ll be travelling with. If you have any pre-existing medical conditions, include those as well.
You can do this online now, or speak with our friendly team.
2. Get a quote tailored to your Mexican adventure
You can buy your travel insurance right away, or save the quote for later. The choice is yours!
Russell Wallace – Travel insurance expert
“Mexico’s a treasure trove of stunning natural beauty. Lovely weather, value for money and tasty cuisine are all big draws. But emergency healthcare can be expensive for British holidaymakers. Even a minor accident or illness can result in hefty bills. Travel insurance ensures you get the treatment you need without worrying about the cost. But it’s not just about medical emergencies. Travel insurance tailored to your itinerary lets you take part in thrilling adventures, too.”
Our reviews speak for themselves
Peter was extremely helpful and professional
“I highly recommend you to many people after having problems abroad a few years ago and using the 24 hour line for cover in Mexico. The hospital there rang through and after them faxing yourselves the cover was sorted straight away and I didn’t have to pay anything. It makes a change for a 24 hour helpline to actually work! We will always use InsureandGo for our trips.”
– Angela
– Date of experience: 04 September 2023
Looking for travel insurance for Mexico from the UK? Join the happy customers who gave InsureandGo a four or five-star rating.
Travel insurance for Mexico with pre-existing medical conditions
Getting the right amount of cover when you’ve got a pre-existing medical condition is vital. For example, air pollution is known to be high in Mexico City. This can aggravate heart, lung or respiratory conditions.
At InsureandGo, we’ll consider all medical conditions, including COPD, heart conditions, and asthma.
Our online medical screening process is easy. To learn more, read about travel insurance for medical conditions. Or, take a look at our policy wording documents. If you’d rather talk to someone instead, please get in touch with us.
You must declare all your pre-existing medical conditions when you buy your Mexico travel insurance. Otherwise, you won’t be covered if you have an emergency related to your condition while away.
If you need treatment when you’re in Mexico, contact us as soon as you can. Read more about healthcare in Mexico.
Frequently asked Questions on Mexico Travel Insurance
Do I need travel insurance for Mexico?
Travel insurance is not compulsory to visit Mexico. However, the UK Government strongly recommends that all British nationals travelling to Mexico take out the proper insurance for their trip. This is due to:
- High medical costs: Public healthcare in Mexico is not free for UK tourists. Private hospitals can be expensive. Travel insurance can cover medical expenses if you fall ill or are injured during your trip.
- Higher crime rates: Thousands of Brits travel to Mexico every year. Most visits are trouble-free, but tourists are sometimes victims of crime. Scams and petty theft are common. People withdrawing money from ATMs in various locations have later been targeted by criminals. Travel insurance to Mexico means a stolen wallet won’t disrupt your plans.
- Violence and unrest: Multiple regions of Mexico have “all but essential travel” warnings from the FCDO. Research your destination before you leave. Your insurance may be invalid if you travel against their advice. If FCDO advice changes after you travel to your destination, your policy should cover you if you need to cut your trip short.
- Potential trip disruptions: The hurricane season in Mexico lasts from June to November. Travel insurance with natural disaster cover can help recoup prepaid expenses like accommodation.
Is Mexico covered in worldwide insurance?
This varies between insurers. Many insurance providers say they offer worldwide travel insurance, but exclude some destinations in the small print. These tend to be countries such as the USA, Canada and Mexico, where healthcare costs are high.
At InsureandGo, you can get Mexico travel insurance as a single-trip policy or as part of a worldwide annual multi-trip policy.
Our worldwide travel Insurance has two options to choose from:
- Worldwide (excluding the USA, Canada, Mexico and the Caribbean)
- Worldwide (including the USA, Canada, Mexico and the Caribbean)
Read our policy documents for a closer look at what is and isn’t included.
Is Mexico in the Caribbean for travel insurance?
Some areas of Mexico border the Caribbean Sea. But geographically, Mexico is part of North America, not the Caribbean.
Mexico is sometimes grouped with the Caribbean for worldwide travel insurance. Popular areas on the East Coast, like Cancun, are considered the Caribbean by some insurance providers.
At InsureandGo we like to keep things clear and simple. That’s why our worldwide insurance has two groups:
- Worldwide (excluding the USA, Canada, Mexico and the Caribbean)
- Worldwide (including the USA, Canada, Mexico and the Caribbean)
Does Mexico come under the USA for travel insurance?
At InsureandGo, you can buy Mexico travel insurance as a single trip policy for that specific country. Or you can buy it as part of an annual multi-trip travel insurance policy. If you choose an annual policy, you’ll need worldwide cover, including the USA, Mexico, Canada, and the Caribbean.
How much travel insurance do I need for Mexico?
The level of travel insurance for Mexico you’ll need will depend on several things.
- Trip length: Longer trips generally warrant higher coverage amounts. This is due to the increased chance of something unexpected happening.
- Activities: If you plan on adventurous activities like zip-lining or scuba diving, you might need additional coverage for those specific sports.
- Valuables: Consider extra gadget cover if you’re packing something particularly valuable,
- Medical needs: Declare any pre-existing medical conditions so that you have appropriate medical travel insurance.
- Trip cost: Going five-star or flying first-class? Unexpected delays or cancellations can be particularly costly. It’s better to err on the side of caution and get more coverage than you think you need.
Why is travel insurance for Mexico expensive?
Travel insurance to Mexico is more expensive than UK or European policies. In Europe, British citizens can apply for a free Global Health Insurance Card (GHIC). This allows them to access state healthcare. In Mexico, healthcare is not free and can be expensive. Repatriation costs are lower in Europe as it’s closer to the UK.
But there are ways to make travel insurance to Mexico more affordable. If you’re travelling with your partner, a couples travel policy could be cost-effective.
Think carefully about your travel plans. For example, an annual European policy may be more affordable if you’re planning many trips to Europe and one holiday to Mexico. You can then arrange a separate single trip policy for your visit to Mexico.
Call our team on 0808 281 0594 or get a quick and easy quote online now.
Can I travel to Mexico without insurance?
Although travel insurance is not compulsory for holidays to Mexico, it’s still vital. Travel insurance means you’re covered for a range of issues that could crop up on your trip, including:
- Medical expenses and hospital stays
- Personal accident and liability
- Cancelling and cutting short your holiday
- Abandoning your trip
- Delayed departure
- Accommodation cover
- Personal belongings and baggage
- Personal money, passport and travel documents
- Legal expenses
Is healthcare free in Mexico?
No, it isn’t. Healthcare in Mexico is available via private or public healthcare systems. Not all hospitals will deal directly with insurance companies. In some cases, you might have to cover the costs of your medical treatments. You then ask for the money back from your insurers.
You should contact your GP at least four to six weeks prior to travel. They can give you the appropriate vaccinations for Mexico.
Read more about healthcare in Mexico.
What do you need to enter Mexico from the UK?
You don’t need a visa if you’re travelling to Mexico for a holiday from the UK. You need to complete an immigration form. You can get these on board your flight, at border crossings or online. You’ll need a valid passport for six months to get an online immigration form.
Read more about visas and entry requirements for Mexico.
Can you help if I need medical treatment while in Mexico?
Yes. All our policies come with access to our 24-hour emergency assistance team. If you need medical assistance when you’re in Mexico, just give them a call.
Who can buy an InsureandGo Mexico travel insurance policy?
All our travel insurance for Mexico policies are available to UK residents. This means:
- Someone who has been living in the UK or the Channel Islands for at least six of the last 12 months
- They must be in the UK at the time of purchase
- All trips must start and end in the UK
Unfortunately, we can’t provide cover to anyone who doesn’t fit this description.
Get a quote online or browse our policy documents for more information.
Travel insurance guides
Frequently asked questions
If you’ve got more questions about how our Mexico travel insurance works, or more general travel insurance queries, have a read through our FAQs.
Travel advice
Our travel advice section offers handy tips and guides to specific countries, from what documents you need to what you might visit while you’re there.
Travel insurance reviews
If you want to know what our customers think of us, and why they rate us so highly, have a read through some of the reviews they’ve left us.