Mexico Travel Insurance: Tips and Safety Information

Whether you’re seeking to enjoy local cuisine, escape winter weather or expand your cultural horizons, traveling to Mexico offers opportunities to make lifelong memories. Traveling also often requires significant financial resources, as plane tickets, hotel accommodations, luggage and experiences while you are there can be expensive. So you should diligently assess risk management and loss control measures as part of your trip plan, including different insurance coverage options.

How Mexico Travel Insurance Works

As its name suggests, Mexico travel insurance can provide financial security for you and your family while you journey south of the border. You may want to augment your coverage portfolio with additional endorsements or policies. Generally, the following types of coverage should be considered before your trip:

• Health coverage—Your domestic health insurance may not be accepted during travels abroad; however, accidents, illnesses and injuries can occur regardless of how safe and responsible you are. Appropriate health coverage can ensure you can still access the medical services you need while across the border.
• Cancellation coverage—This type of coverage is typically included in most travel insurance policies and can help you recoup losses, fees and deposits that might otherwise be nonrefundable. Given the unpredictable nature of travel plans, securing financial protection for such investments can help limit out-of-pocket losses following unforeseen circumstances.  
• Luggage coverage—Your luggage may contain valuable and essential belongings. Unfortunately, during your journey, your bags could be lost, stolen or even sent thousands of miles away to an incorrect destination. Luggage coverage can provide financial assistance if you need to replace or repair your belongings.

Depending on the destination and nature of your trip, you may require additional coverage. For example, if you plan to journey to remote areas or engage in high-risk activities, securing medical evacuation coverage can help absorb the costs of being transported to medical facilities or back to the United States. Additionally, if you are driving across the border, you should be aware that domestic auto insurance policies are typically invalid in most of Mexico, and you will need specific Mexican coverage to operate your vehicle legally.

How to Get Mexico Travel Insurance

At Pan American Insurance in El Paso, Texas, our dedicated team is well-versed in travel insurance and helping tourists secure appropriate coverage as they head south of the border. Contact one of our knowledgeable agents today to learn more.