Understanding Mexico Travel Insurance

Trip cancellation—If you’ve already paid for excursions, hotel rooms or other nonrefundable expenses, this coverage can cover 100% of your prepaid, nonrefundable trip expenses. However, if you want to cancel due to a projected storm, that may not be covered under a travel insurance plan. You may consider adding optional “cancel for any reason” (CFAR) coverage. Our Pan American Insurance Agents can help you look at your insurance options to make the best choice for your travel needs. 

Trip delay—If your flights are unexpectedly delayed, this coverage can reimburse you for the costs of meals, personal care items, transportation and hotel accommodations. Often there is a specific time frame of delay before you’re eligible to make a claim, which is typically three to 12 hours. 

Trip interruption—If you need to shorten your trip and return home, many travel insurance plans provide coverage. This can apply if you or a travel partner become ill or injured during the trip. 

Medical expenses—Your health plan may not provide coverage outside the country. You need to obtain travel medical insurance for emergency medical expenses. Travelers to Mexico can encounter mosquito-borne illnesses (e.g., dengue fever and malaria) and traveler’s diarrhea or Montezuma’s revenge. Whether you end up with an overnight hospital stay or a visit to a local clinic, this is essential coverage to purchase. 

Medical evacuation—If you have an underlying medical condition, you should consider adding this coverage. This can pay to get you to the nearest adequate medical facility, and if your situation demands it, the coverage may pay for you to return to the United States. 

Baggage—It’s essential to keep track of your personal belongings when you’re traveling. However, if your camera, wallet, purse or luggage are stolen, travel insurance may help recover the costs.