NEWS

Here’s the “Sherpa-style” checklist I’d use (simple, practical, and Mexico-specific) when choosing travel insurance from the UK:

Do you need special insurance to enter Mexico?

Usually it’s not a formal entry requirement, but it’s strongly recommended because healthcare costs (especially private care) can add up fast, and you won’t be covered like you are in Europe.

What your Mexico travel insurance should include (must-haves)

1. Emergency medical cover (high limit)
   • Look for a strong medical limit (many UK policies offer multi-million cover).
2. Medical evacuation + repatriation
   • This is a big one for Mexico—if you needed transfer to another city or back to the UK, costs can be huge.
3. 24/7 emergency assistance line
   • Make sure they’ll coordinate hospitals, payments, and transport.
4. Cover for private hospitals
   • In many places, private hospitals are commonly used, and you may be asked to pay upfront or provide a guarantee.

Strongly recommended add-ons (depending on your plans)

• Cancellation / curtailment (buy as soon as flights/hotels are booked)
• Baggage + valuables (phone, camera, laptop)
• Personal liability (useful for accidents involving others)

If you’re doing activities (very common in Mexico)

If you plan to snorkel, scuba dive, boat tours, ATV/quad biking, hiking, ziplining, etc., you must check the policy’s “sports/activities” section—many basic policies exclude these unless you add an adventure pack.

If you’re renting a car

Consider car hire excess cover (it can save you a painful bill if there’s damage).

One important “gotcha”

Check the policy wording about travel advisories. Some insurers won’t cover you if you travel to areas your government advises against—so it’s worth matching your itinerary with the insurer’s terms.

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If you tell me where in Mexico you’re going (e.g., Cancun/Riviera Maya, Mexico City, Oaxaca, Los Cabos/Baja Sur) and whether you’ll do water activities or driving, I’ll point you to the exact cover sections to prioritize—and the common exclusions to avoid.

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