driving my car to mexico for 6 months what isurance do i need
Finding the all-time travel insurance for United mexican states is catchy, particularly in 2022.
Since I cover United mexican states a ton on my travel web log, and since I used to work as a corporate insurance lawyer, readers constantly ask me well-nigh where I get my United mexican states travel insurance. I even go questions from journalists and have been featured in prominent national publications discussing the futurity of post-pandemic insurance.
To aid my readers out, I whipped up this no-nonsense breakup of how I personally approach travel insurance when visiting Mexico.
Table of Contents (click to navigate)
- 👉 Best Quote Sites
- 🤔 Exercise I Need Insurance?
- ✔️ Why I Buy Insurance
- ✈️ Mexico Safety Tips
- ❓ FAQs
Disclaimers: Nosotros are non insurance brokers. This post is for informational purposes only and is non insurance advice. Links on this page are affiliate links. Using them supports this independent travel blog with a small committee at no extra toll to you. Thanks!
Right now you're probably wondering … who is this guy?
Well, hi there, I'1000 Nate Hake. I'g a travel blogger, recovering lawyer, and full-fourth dimension globe traveler since 2016. 🌎 I visit Mexico many times per yr, and I'm proud that my site Travel Lemming is among the nearly popular Mexico travel blogs on the Internet. Helping travelers bask Mexico is what I do for a living now. Information technology's then much more than fun than legal work!
Ok, enough about me – let'southward jump into the 4 best sites I use to discover quotes:
My Top Selection
World Nomads
4.7
I've personally employ Globe Nomads (here's proof) for more than 50 countries. I've tried others but always return because I think its simpler & more transparent.
Pros: Simple & flexible, balances price & quality, upfront transparency most covid (no insurer covers all covid risks, but at to the lowest degree they actually explicate it!)
Cons: Not bachelor to seniors 70+ in USA (or 65+ in other countries)
Become Quote
Best Comparing Site
Travel Insurance.com
4.four
A search engine that fetches quotes from hundreds of companies. Groovy for comparison shoppers who want to really dig into details!
Pros: Compare hundreds of insurers, see customer reviews
Cons: Non as simple as Globe Nomads (you lot demand to sort through a lot of detail)
Go Quotes
Another Comparison Pick
Aardy
4.0
Aardy is another search engine that compares quotes from many different insurers.
Pros: Their "Best Cost Guarantee" promises you won't observe a lower quote & Covid-19 coverages are clearly highlighted
Cons: You have to requite them your email just to get a quote (annoying!)
Compare Quotes
All-time for Seniors 70+
Insure My Trip
3.9
This is the site to use if you can't become a quote elsewhere due to age or pre-existing conditions.
Pros: Usually finds quotes for seniors even when other sites won't offer anything past a certain historic period
Cons: No conspicuously displayed info almost Covid coverages, a clunkier user experience in my opinion
Get Quote
Best Sites for United mexican states Travel Insurance Quotes
Hither'south a quick summary of the companies I've personally loved in my v+ years of traveling around the world full time:
- ✔️ What I Buy for My Travels: World Nomads
- 🔎 All-time Comparison Site: TravelInsurance.com
- 👴 Best for 70+ or Pre-Existing Medical Conditions: Insure My Trip
I institute that the all-time travel insurance for United mexican states, at to the lowest degree for me, wasWorld Nomads, the aforementioned company I used to buy my annual travel insurance policy for my big trip around the earth when I visited 43 countries in one yr (yep, I actually did that!). And, yes, I actually practise still use World Nomads for my ain insurance (here's proof).
Hither'south why I like World Nomads: they offering reasonable and simple coverage that's easy to extend while you are in Mexico if your plans change. There are not always the cheapest, so exist sure to toll compare!
I personally almost e'er get travel insurance, primarily to protect confronting medical emergencies and evacuation. But not everyone necessarily needs to bring travel insurance to United mexican states (it is not a legal requirement to accept travel insurance to travel to Mexico).
So read on if you really want to dive in and figure out if it's worth a purchase in your circumstance. Oh, ane quick aside: before you go to Mexico be sure to bookmark my top travel tips for Mexico!
Do I Need Travel Insurance for Mexico?
As of 2022, there is no legal requirement to buy travel insurance in order to visit Mexico. No one volition enquire you to bear witness proof of insurance at the border, and the Mexican authorities does not mandate travelers to have insurance. Many travelers all the same choose to buy it.
Obviously, covid-nineteen is a big reason travelers get insured. The New York Times recently ran an expose entitled "A Traveler's Worst Nightmare: When Your Covid-nineteen Test Comes Dorsum Positive," which includes several truly tragic stories about travelers to Mexico getting defenseless unprepared.
No wonder and so that, since the start of the pandemic, surveys evidence that 3x as many travelers are ownership insurance every bit earlier the pandemic. Many in the manufacture are now calling travel insurance the "must have purchase" for travel in the 2020s.
Hither are popular reasons many travelers – including myself – choose to buy travel insurance for Mexico:
- ✈️ Trip Cancellation Protection – if covid strikes earlier a trip, if an airline cancels a flight, or if Mexico locks downwards, trip cancellation insurance could come in handy if you purchased the trip counterfoil coverage that applies to your situation.
- 🎫 Trip Interruption Benefitdue south – even if you lot manage to get to Mexico, your trip could be interrupted while you are there. If it's for a reason covered by trip interruption coverage, you'll be glad you opted for insurance.
- 💉 Emergency Medical Coverage – a sad reality is that many travelers end up in hospitals in Mexico, only to find out that their United states medical polices won't encompass them. Emergency medical expenses tin add upwards fast.
- 🚗 Rental Motorcar Protection – I love driving in United mexican states, but I worry almost car accidents. As discussed beneath, they are the #1 cause of death for Americans away.
- 🚁 Emergency Evacuation – A scary one to think about, simply if you need to get evacuated from Mexico, it could toll hundreds of thousands of dollars. For this reason, I always pay attending to the medical evacuation coverage in the policy terms.
- 💻 Gear Theft Protection – Cameras, laptops, cell phones. Trivial crime in Mexico is real, and all those pricey items on your United mexican states packing list make tempting targets.
Those are some of the near common coverages, just every policy differs, and then read the terms carefully!
Likewise be realistic that nothing is perfect. My favorite insurer, World Nomads, checked all of the above boxes for what I needed, but there was one large exception: their standard plan limits gear coverage to $1,000. That's probably fine for about travelers, only isn't smashing for a travel blogger who travels with a laptop, three cameras, and a drone. Yet, I'll stick with them until I observe a better option.
How to Discover Cancel for Whatever Reason Coverage (CFAR) for Mexico
Travel insurance policies only cover the risks in the contract, and most policies will not embrace you if you make up one's mind to cancel a trip because of fear of covid-19, an outbreak in your destination, or because of restrictions that ruin the bespeak of your trip (I mean, who wants to go to Mexico City when bars, restaurants, and museums are airtight because its stoplight is red?).
If you lot're worried about these risks, you might look into what's called "cancel for any reason" or "CFAR" coverage. Though it depends on the specific policy, y'all tin usually make a CFAR claim for non refundable trip expenses for, well, any reason. Of course, it tends to be more significantly expensive, which is why I don't personally apply CFAR coverage.
If you lot practise want CFAR coverage for your Mexico trip (perhaps considering you take a lot of non refundable trip expenses), then note that TravelInsurance.com conveniently lets you lot filter your search results to include just CFAR policies. Here's a screenshot of how to do that:
Why I Buy Trip Insurance (And How I Compare)
Reason 1: Medical Coverage
The main reason I personally buy Mexico travel insurance is for the travel medical insurance and the evacuation coverage.
This isn't medical or insurance advice (I'g not qualified to give that), but here'southward my personal thinking on the subject of travel medical insurance:
Insurance is a generally expert deal if it protects against a financial exigency. For example, it is generally a bad bargain over the long run to buy insurance for microwaves. If a microwave breaks y'all can afford to set up it. And since insurance companies build a profit margin into their premiums, you'll be saving over the long term by just self-insuring for pocket-size risks like this.
On the other mitt, a visit to a Mexican Emergency Room is probably something that I can't beget to cocky-insure and could even result in financial ruin. The same reasoning applies if I rent a auto rental in Mexico, crash it, and don't have car rental insurance. Or if I pass away (dark, I know, but it happens) and my manor can't afford repatriation of remains to my family back in the United States.
Medical expenses are a serious consideration, and still my major motivator for getting insured. That was true before the pandemic, but it's even more so now.
Reason 2: Auto Crashes Are Very Common in Mexico
I LOVE driving in United mexican states. A rental machine gives you and so much freedom, and it's a great manner to explore all the many things to exercise in Mexico.
Merely gauge what?
Automobile accidents while away are very common. Co-ordinate to the United States Department of State's database on American deaths abroad, the well-nigh common cause for traveler deaths abroad isn't terrorism or murder or even covid – it'due south the common machine crash.
That can be catastrophically expensive if you end upwardly with a huge medical bill, liability for a abandoned vehicle, or if your family needs to repatriate your remains after a tragic incident.
That's why y'all should never drink and bulldoze in Mexico and you should always buckle upwards, even on vacation and even in taxis or tour buses. And it'south why travel medical insurance, repatriation of remains coverage, and machine rental insurance are the three things I personally look at when pricing out travel insurance for Mexico (or anywhere else).
How I Compare Cheap Quotes For Mexico
I've used several different travel insurance companies over the years. I really screwed me over when I got trapped in Argentina during the commencement of the pandemic and they refused to cover covid (I reject to name that company because I don't want to give them publicity).
Afterwards that incident, I'll become back to using Globe Nomads becuase they are the most trusted name in the space and I've had a not bad experience using them for nearly a decade. Simply World Nomads definitely isn't the cheapest Mexico travel insurance, and I understand why many travelers are looking for the all-time deal possible. Hither'southward how to comparison shop for cheap Mexico insurance:
First, pull up either TravelInsurance.com or Aardy.com. Both are basically search engines that ask for some quick details, fetch quotes, and spit out comparison portals that like this:
What's neat about them is that they pull quotes from dozens, sometimes hundreds, of unlike companies – all in the matter of a few minutes. It automatically recommends a travel insurance coverage provider, and so sorts the remainder by price, which makes comparisons easy.
I also desire to highlight 3 other super cool things you can practice with the nifty Aardy.com interface specifically:
- See Covid-nineteen Info in the blue boxes, which conspicuously layout counterfoil policies, and medical insurance and evacuation limits.
- Check "Compare Plan" to pit two dissimilar companies head to head.
- Speedily see the policy document by clicking the bluish link in the left corner (always read the policy!).
Pretty cool correct?
Now, the downside of all that detail is that it can be overwhelming for some people. But if you're the nerdy type who likes to dig into details, using a travel insurance comparing portal like TravelInsurance.com or Aardy.com tin be a fulfilling experience.
Mexico Safety Tips
Understand United mexican states'south Covid-19 Situation and "Stoplight" System
Mexico has been hard hit by coronavirus. The land currently ranks 5th in the world for covid-19 deaths. The step of vaccinations in Mexico has been slow, in role because Mexico is i of the few countries that still won't permit most children to get vaccinated.
Mexico has a 4-tier "stoplight" arrangement for restrictions (I know, stoplights merely have 3 lights, but whatever). You lot can see what color the state you are visiting is using this map. The stoplight color is supposed to guide the extent of restrictions locally.
If you exercise choose to visit United mexican states during the pandemic, brand sure to do and so responsibly and follow all public health recommendations. If nothing else, do it for your own benefit.
I recently had a vaccinated Australian friend visit me in Puerto Vallarta. Similar many other travelers during the Omicron wave, he tested positive in United mexican states and and so had to shell out for an expensive hotel to quarantine in. Thankfully, my friend's insurer helped defray the costs, but it was nonetheless a nightmare situation for him, and one you want to avoid.
Law-breaking and Safety in Mexico
Mexico gets a bad rap in the news. With millions of visitors every yr, it's inevitable that bad things happen. And when they do, the media tends to grab on.
Even so, information technology'due south undeniable that gang and cartel violence has affected many parts of Mexico, including popular tourist destinations like Cancun and Acapulco. Encounter my articles on Mexico travel safety. And always bank check the United states of america State Department and UK FCDO sites for info on the latest travel warnings for United mexican states.
Mexico'south 2-Tier Medical Organisation
Mexico effectively has two medical care systems: the public one and a private 1 for those with their ain wellness insurance. The public healthcare organization can be quite affordable and you may be eligible for public medical insurance if yous are planning to retire in Mexico on a resident visa. Read more info here.
If you're only visiting Mexico, be aware that, while health care costs are mostly cheaper in Mexico, for serious incidents the cost of care tin can even so be very expensive.
Renting a Car in Mexico
Automobile rental companies typically offer total coverage policies that you can purchase separately if you just need coverage for your rental (I propose renting through Discover Car Rent, by the way, equally some local operators are known to run scams).
PS – Check out my all-time Mexico travel tips for more helpful tips!
Farthermost Sports in Mexico
Many of the best things to do in Mexico – like scuba diving in Cabo San Lucas, parasailing in Puerto Vallarta, or ATVing in Playa del Carmen – are classified as farthermost sports for insurance coverage purposes. When I programme to participate in these, I ever look for a comprehensive programme covering these specifically (if it's non explicitly covered, it's usually excluded).
FAQs Almost Insurance for Mexico Trips
Here are quick answers to some of the near normally asked questions near Mexico travel insurance:
Is travel insurance mandatory for Mexico?
Mexico does not require proof of travel insurance to enter the land. Tourists do demand insurance if they program to drive a motorcar in Mexico, and volition probable accept to pay out of pocket for medical expenses should they need to access the Mexico healthcare system.
Will my wellness insurance embrace me in Mexico?
Most US health insurers do non provide coverage for insureds traveling in United mexican states, simply it depends on the health insurance company so it is advisable to call the insurer and confirm. The lack of medical coverage in United mexican states is a major reason many tourists buy travel insurance for trips to United mexican states.
How much is travel insurance United mexican states?
The cost of travel insurance in Mexico depends on a number of factors, including your age and the length of your trip. In the past, travel insurance has personally cost me between $2 and $four per day of my trip.
Where can I compare Mexico travel insurance quotes?
1 useful site for comparison insurance quotes is Aardy.com.
Should I purchase travel insurance for United mexican states?
Ultimately, it'due south your choice and a question of your hazard tolerance. While I do call up travel insurance is frequently overpriced, I choose to play it safe and be insured for all the reasons I explain in this article.
What is the best United mexican states travel insurance?
The all-time travel insurance for Mexico from the Usa (or anywhere else) depends on your situation and your risk tolerance. That's why I propose comparison Mexico travel insurance quotes using a search tool like Aardy.
Does US health insurance work in United mexican states?
Most United States wellness insurance providers practise not encompass travel overseas, including to Mexico, simply you should cheque with your carrier to be sure.
Is Mexico classed equally USA for travel insurance?
Mexico is in Northward America, and thus generally not included in European travel policies.
Why is travel insurance to Mexico so expensive?
Insurance covers risk, including catastrophic risk, so that means it tin be expensive. Information technology is possible to find cheap Mexico travel insurance using a search tool, but it is always best to determine if the cost savings are worth the difference in coverages.
Is Mexico part of the Carribean for travel insurance?
The geographic region Mexico is classed in depends on the insurance provider. Cheque with your insurer to see which region falls under for your state of affairs.
***
When it comes to travel insurance United mexican states isn't that different than other countries. Anytime I travel away, I assess my risk tolerance and almost always decide insurance is worth it. Ultimately, whether or not to insure your Mexico trip is really up to yous though.
Oh, and before you leave the United States for Mexico, make sure you read these helpful articles to help you program your trip:
- Playa del Carmen Mexico Guide
- Tulum Beach Guide
- Valladolid Mexico Guide
Enjoy visiting Mexico – and be sure to stay safe!
You lot can likewise read my other travel insurance guides:
- Annual Multi-Trip Travel Insurance
- Canada Travel Insurance
- Thailand Travel Insurance
- Nigeria Travel Insurance
- Georgia Travel Insurance
Source: https://travellemming.com/travel-insurance-for-mexico/
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