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Travel Insurance In Mexico

Taking out a travel insurance policy is an essential precaution for all tourists who plan to travel to Mexico, or anywhere in Latin America for that matter. Various policies cover a wide range of potential problems, including cancellation of transportation, delays, hijacking, the loss or theft of valuables and legal expenses.

There are a great deal of different insurers offering a wide variety of products, so it is worth spending some time to research the policy most suitable for your trip. Before you begin, check to see if you already have coverage through a credit card company or bank, both of which sometimes provide basic travel insurance. If you already have a policy for health insurance, life insurance, or rental/homeowner's insurance, you may also have some travel insurance coverage.

Medical Insurance in Mexico

The most important part of any travel insurance policy is the medical provision. The cost of medical treatment for serious injuries can quickly mount up. Look into how much your insurance will pay for necessary emergency expenses and if your policy includes helicopter rescue and emergency evacuation, should you need to return home for serious medical attention.

Most hospitals in Mexico demand you pay for your medical treatment up front, usually in cash. If you have to pay cash at a hospital, make sure you get receipts for any medical care you receive so you can provide copies when making your insurance claim.

Before you leave, make sure the travel insurance policy you chose covers all the activities you intend on doing, or think you might try. Activities such as climbing, mountain biking, and zip-lining are many times considered “adventurous activities” and thus not covered under a basic policy.

Lost or Stolen Items in Mexico

Most travel insurance claims relate to lost or stolen items. If you intend on taking expensive belongings such as cameras, laptops or smart phones to Mexico, there is a chance these items could be stolen or damaged. Purchase a travel insurance policy that offers an appropriate level of protection to cover all the items you intent to take to Mexico, or consider leaving any extremely expensive items at home.

If you are robbed while in Mexico, report the incident to the police within 24 hours. Make sure to obtain a copy of the report, as your insurance company may demand this (along with a receipt for stolen item) when you make your claim.

Basic travel insurance policies may not include any provision for the loss or theft of valuables and, in general, the more money you are willing to spend on travel insurance, the greater the level of protection you will have. If you purchase a more comprehensive policy, the deductibles will be smaller, single item limits will be higher, and there may even be coverage for cash and the cost of reissuing passports. Check the details very closely to make sure you are happy with the level of coverage your policy provides.

Student Travel Insurance in Mexico

When studying in Mexico, it is important to make sure you are covered by appropriate travel insurance. Many study abroad programs require proof of medical insurance or ask students to purchase special policies before departure. If you need to purchase coverage yourself, shop around for the best policy that suits your needs.

As a student abroad, you may be able to collect additional benefits not covered under normal travel insurance policies, including benefits that help refund course costs in the event of cancellation for medical reasons. It may also be easier to insure valuables such as laptops under study abroad insurance policies, and you may even be able to get coverage for part-time jobs or participation in sports and other activities while in Mexico.

Mexico Travel Tips on Insurance

Be sure to have your insurer's 24-hour emergency contact number and a copy of your policy number with you while traveling. It is also a good idea to keep your insurance details in an email account so you can access the information wherever you are, even if someone steals your bags. Insurance companies also recommend taking written records of any medical conditions and proper names of any medication you are taking, plus copies of any prescriptions, just in case.

Here are some related tips to help plan your trip to Mexico: Money in Oaxaca,








11 Jun 2010






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