Is it necessary to take out insurance for your trip to Mexico?

Do I need travel insurance to visit Mexico? If you’re not obliged to take out insurance with your exchange university, you should know that taking out insurance can make your life a lot easier. If you are living in Mexico, we recommend that you take out insurance for Mexico and read our information on how the healthcare system works in Mexico.


Although medical costs are not at all expensive in Mexico, they can rise very quickly for major treatments or if you opt for consultations in private clinics. To help you make the right choice, here are a few points to bear in mind before deciding whether or not to take out travel insurance for Mexico.

Why insure before you leave?

There are several reasons why you should take out insurance before your trip to Mexico. First of all, the latter will take care of all medical and repatriation expenses on your behalf, while also advancing the costs. If you plan to rent a car, you’ll need to take out third-party insurance abroad to cover any damage you may cause to other people. Before you leave, you’ll also need to take out cancellation insurance for ticket reservations, as well as luggage insurance in the event of loss or theft, which will pay out around 1,000 or even 2,000 euros, depending on the options you choose. This is also the case for specific insurance for extreme sports such as diving or motorcycling.

If you have a bank card

Whether you have a Mastercard or VISA card, you should know that these cards generally include travel insurance for your family. However, they cover only a portion of your medical expenses, and are limited to 90 days. To benefit from this, you still need to pay for your plane tickets with these cards. In other words, if you want complete coverage of your medical expenses during your stay, the ideal solution is to take out travel insurance.
Note that this country is not covered by the European Health Insurance Card or EHIC, of course.

Points to consider before choosing travel insurance

If you need to take out travel insurance before leaving for Mexico, the first thing to check is whether it is available 24 hours a day, every day of the year, especially by telephone. You also need to compare the costs of treatment and care, and decide on the options available.
Once you’re on site, you need to give your insurance company as much information as possible , and always carry your insurance documents with you, not forgetting to notify them of any problems.

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