Frequently Asked Questions

Yes, when you are driving in Mexico, you are legally required to have Mexico liability insurance coverage, and it must be provided from a Mexico company.

When driving in Mexico, you are required to have a Mexico liability insurance policy from a Mexico insurance company. Check with your agent, but in most cases, U.S. and Canadian full coverage auto policies do not cover your vehicle in Mexico. Mexpro offers 'liability only' policies, but we recommend getting a full coverage policy, that will provide the required liability coverage and physical damage and theft coverage.

If you have an RV, there is a way to purchase coverage for physical damage on a U.S. policy with a separate policy that will save you money. Contact your U.S. or Canadian insurer to see if they offer this endorsement.

No. In fact it's better to purchase coverage before you get there, otherwise you will not be insured until you get your policy in Mexico. In addition, your policy may not be written in English; and you may not have access to bilingual claims adjusters.

Liability car insurance covers damages to another person or other property resulting from an accident you cause. Liability only policies provide the most basic auto insurance coverage, and the minimum required when driving in Mexico. Our liability only policies cover liability, medical payments, travel and legal assistance. There is no physical damage coverage on your vehicle with this policy.

Full coverage car insurance includes liability coverage, plus physical damage to, and theft of your vehicle. In addition, our premium full coverage policies provide partial theft and vandalism coverage, higher liability limits, lower deductibles, gap coverage, uninsured motorist deductible waiver, U.S. labor rates or increased labor rates, and includes MexVisit® medical, travel, roadside, auto liability legal & personal legal assistance.

If you only have liability coverage on your current policy, then you cannot purchase a full coverage Mexico insurance policy. The exception is if the vehicle will be in Mexico for more than 180 days, in which case, you are eligible for full coverage while in Mexico.

Medical payments cover the driver and passengers. Limits vary depending on the policy and insurance company you choose. We provide medical payments on both our full coverage and liability only policies.

No, motorcycles, ATVs and UTVs are excluded from this coverage.

Our full coverage policies, come with multiple extended coverages including physical damage and total theft. Our premium full coverage policies include coverage for partial theft and vandalism, as well as gap coverage, uninsured motorist deductible waiver, higher liability limits, lower deductibles, U.S. labor or increased labor rates, and includes MexVisit® medical, travel, roadside, auto liability & personal legal assistance.

Gap insurance offers an additional 15% on top of the current market value of your vehicle at the time of loss. This can help you to pay off any balance owed to your finance company (i.e. for a car loan, lease, etc.) in the event of a total loss. The actual cash value is generally determined by the Kelly Blue Book or NADA Guide value. Gap coverage is only available on Mexpro's premium full coverage policies.

Actual Cash Value, also known as 'ACV' or 'current market value', is the value the insurance company will give for your vehicle in the event of a total loss. It applies only to full coverage policies. Do not guess your vehicle value when filling out Mexpro's auto insurance quote form. Your vehicle will only be covered up to the vehicle value listed in Kelly Blue Book (KBB) or NADA guide. You can choose a vehicle value of $0 (liability only) if you do not want full coverage insurance.

Combined single limit, also known as 'CSL' or 'liability limit' is the most that can be paid out for any combination of bodily injury and property damage liability claims. Mexpro recommends purchasing a combined single limit of $300,000 or more, due to Mexico's current liability laws. Our full coverage premium policies automatically come with $500,000 CSL.

Mexpro's Mexico insurance companies are all A-Rated by A.M. Best. They have many years of experience in Mexico insurance, have a high rate of claims satisfaction and are financially stable. For more information please visit our partner pages: Chubb, GNP, and El Aguila.

You can get multiple quotes from multiple companies, and it only takes 2 minutes! Click on 'Get a Quote' on our home page, and answer some quick questions. You will have the option to purchase when you are done.

To purchase a policy online, fill out the initial quote application. Choose the coverage, price and insurance company that fits your needs and click on the 'Buy Now' button. You will be taken to the remainder of our application. You will need to provide:

• Vehicle ID number (VIN)
• License plate number
• U.S. or Canadian insurance information.
• Lien holder information, if applicable

Then Review, Pay and Print your new policy. If you need any help, you can call our licensed customer server agents toll-free at (855) 639-7761.

Anyone is covered as a driver of your insured vehicle, as long as they have a valid, non-Mexican driver's license, are over the age of 21 (unless you have paid for this surcharge) and have the registered owners permission to operate. On our quote application, you can list up to three people as additional drivers for peace of mind. However, if someone drives who is not listed, they are still covered under this policy as long as they meet the above conditions.

No. Unfortunately, Mexpro is only able to provide tourist auto insurance coverage in the country of Mexico.

If you only want liability coverage on your towed units while being towed, you do not need to list them on your policy, as it is automatically included, but ONLY while being towed and attached to the insured vehicle.

If your towed units are listed with their corresponding values on your quote application, then they will also be covered for physical damage, but only while being towed and attached to the towing unit.

Self-propelled towed vehicle(s)

If you want your auto, motorcycle, ATV and/or UTV insured once detached from the towing vehicle, you will need to purchase a separate policy for each vehicle. You should not list the towed units on the towing vehicle's policy because the separate policy covers them while in tow.

Towed Travel Trailers, Fifth Wheels, Toy Haulers, Boats, Boat/Vehicle/Utility Trailers, Pop Up Campers

For full coverage while in tow, you will need to list your towed unit(s), with a corresponding value on your quote application. Based on vehicle age and value, some units will not qualify for full coverage.

El Aguila is Mexpro's only insurer who provides physical damage coverage insurance on a non-self-propelled tow unit while detached.

After purchasing a policy, you will get an email with the policy, declaration page(s), claims information, terms and conditions and a username and password to get back into your account. Be sure you have a copy of these documents with you in the event you get pulled over for a traffic violation, or have an accident in Mexico.

If you have an accident in Mexico, immediately call the 01-800 number listed on the insurance claims instructions page, which is part of your policy. Our adjusters will respond immediately and provide further instructions based on your specific situation. You can also find a quick claims checklist and claim contacts on our website.

Simply fill out our online customer service request, and let one of our licensed agents take care of you! If you need assistance, call us at (855) 639-7761.

Cancellations can be done by using our online cancellation form. Refunds will be credited back to the credit card used for the purchase. Depending on your bank, you should see your refund shortly after the cancellation is processed.

Policies canceled before the date the insurance coverage begins, will receive a full refund minus the policy fee. After the policy has started, daily policies and policy fees are not refundable. Six-month and annual policies are discounted; any refunds will be prorated. Six-month policies over 20 days and annual policies over 30 days are not refundable. See the full cancellation terms on your policy for details.

MexVisit® is one of the best travel assistance products found in the Mexico insurance market. MexVisit® benefits include: travel, medical, roadside, auto liability legal, and personal legal assistance. MexVisit® is included in all our policies.

If you are traveling in Mexico for more than 180 days and choose to drop your U.S. or Canadian policy in lieu of Mexico coverage, the state/province where your vehicle is registered may cancel your registration due to lack of insurance. You must have a valid registration for Mexpro coverage to apply while in Mexico. For this reason, you should be aware of your state insurance requirements.

Yes. However, you will need a permission letter from the lessor to drive the car into Mexico. And they may require you to get a full coverage policy. Be sure to list the lessor name and information on the policy application.

We can only insure rental cars rented in the U.S. with U.S. license plates. Additionally, you will need permission from your rental company to take the vehicle to Mexico. We can NOT insure rental cars with a Mexico License plate.

No, you can only get a Temporary Vehicle Importation Permit (TIP) through Mexico's Banjercito government agency. Mexpro has no affiliation, authority or connections with this organization. See our TIP FAQ with common questions for more information.

To make your trip easier, Mexpro has compiled a list of things you should know Before You Go to Mexico. Have more questions? Please send us an email or call us toll-free at (855) 639-7761 and one of our licensed professionals will help you!

No. Your Mexico auto insurance will not cover anyone as a driver who has a Mexican driver's license, with or without your permission.

A person driving a vehicle without a valid driver's license is not covered under Mexpro's insurance policies.

If you forget to take your driver's license with you to Mexico, you are still covered. However, it may make things more difficult with authorities if you are pulled over or involved in an accident.

A driver's license policy covers multiple foreign plated vehicles under the same policy. The policy only offers liability coverage. Unlike our typical Liability Only policies, however, no medical payments, legal or travel assistance is included.

There are two reasons we receive this question regarding incorrect dates on a Mexican car insurance policy. The first has to do with the date format. Unlike the U.S., Mexico, and much of the rest of the world, use a Day/Month/Year format. Because Mexican claims adjusters will be determining what is covered in the event of an accident, we chose to use the method used in Mexico. If you purchased a policy that begins on June 1, your policy would show as beginning on 1/6/20XX.

The second reason the dates may be different than what you expect is that all our policies begin at 12:01 AM on the effective date of the policy. The exception is when the policy is purchased on the same day that you plan to enter Mexico, in which case it starts at time of issuance. And, your policy will end at 12:01 AM on the date following the expiration date. You have one minute of coverage on the next day of the policy to ensure you have a full day of coverage. As an example, if you need coverage from June 1st to June 6th, your policy begins on June 1 at 12:01 AM and ends at 12:01 AM on June 7th. So, the dates on the policy would be as follows: 1/6/20XX - 1/7/20XX.

If neither of these examples match your issue, please call us as soon as possible after purchasing your policy, toll-free at (855) 639-7761 to correct the problem.