Tower Hill Travel Insurance
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Visitor Insurance for Mexico

Visitor Insurance for Mexicans Visiting the USA

IMSS and Seguro Popular cover you at home — but once you cross into the USA, you're responsible for 100% of your medical costs.

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The Coverage Gap

IMSS and Private Mexican Insurance Plans Don't Cover US Emergencies

Mexico's IMSS (Instituto Mexicano del Seguro Social) and ISSSTE cover formal workers at Mexican healthcare facilities only — neither scheme reimburses any costs incurred in the United States. Mexico and the US have no bilateral healthcare agreement. A US ER visit averages $3,100; one hospital night runs $11,700. With 37 million Mexican-Americans in California, Texas, and Illinois, family visitors are especially at risk — a single cardiac event or road injury on US soil can generate bills exceeding MXN 52,000 per night with zero IMSS reimbursement.

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The US-Mexico border sees thousands of medical emergencies every year. Without coverage, Mexicans can face bills of $50,000 or more.

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$3,000+
ER Visit
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$11,700/night
Hospital Stay
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$1,500
Ambulance Ride
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$50,000+
Major Surgery

Why Tower Hill

Trusted by 60,000+ International Travelers

We partner with the top A-rated carriers so you get the best coverage, not the highest commission.

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A-Rated Carriers Only

Every plan we offer is from a financially strong, A-rated insurer — IMG, Trawick International, or WorldTrips.

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Compare & Buy in 5 Minutes

No phone calls, no paperwork. Compare plans side-by-side and purchase online. Instant policy documents.

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Coverage in 151 Countries

Whether you're visiting the USA or traveling worldwide, we have a plan designed for your journey.

Our Plans

Compare Top Visitor Insurance Plans

All plans designed specifically for visitors to the USA — covering emergency medical, hospitalization, evacuation, and more.

Most Popular

IMG Patriot America Plus

From $1.10/day
Coverage up to Up to $1,000,000
  • A-rated by A.M. Best
  • Covers acute onset of pre-existing conditions
  • Emergency medical evacuation included
  • COVID-19 treatment covered
  • Deductible from $0–$2,500
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Best Value

Trawick Safe Travels USA

From $1.25/day
Coverage up to Up to $1,000,000
  • Comprehensive emergency coverage
  • 24/7 multilingual assistance
  • Hospital direct billing available
  • Covers acute onset of pre-existing conditions
  • Renewable up to 12 months
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Premium Option

WorldTrips Atlas America

From $1.50/day
Coverage up to Up to $2,000,000
  • Highest coverage limit available
  • Ideal for seniors and longer stays
  • Covers urgent care and telehealth
  • A.M. Best A-rated carrier
  • Flexible deductible options
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Prices vary by age, coverage level, and trip dates. Get an exact quote for your trip.

Common Questions

Frequently Asked Questions

Does Mexico's IMSS or ISSSTE cover medical care in the USA?
No. Mexico's IMSS (Instituto Mexicano del Seguro Social) and ISSSTE are strictly limited to Mexico and provide zero coverage for any medical treatment in the United States. The US and Mexico have no bilateral healthcare agreement. Without dedicated visitor insurance, you are personally responsible for all US medical costs — an ER visit alone ranges from $2,000 to $15,000, while hospitalization and surgery can easily exceed $50,000.
What visitor insurance is best for Mexican visitors to the USA?
For Mexican visitors, we recommend IMG Patriot America Plus, Trawick Safe Travels USA Comprehensive, and WorldTrips Atlas America. All three cover US emergency medical care, hospitalization, and doctor visits — everything IMSS/ISSSTE cannot provide. Plans can be purchased online in minutes with instant policy delivery. Trawick Safe Travels USA Comprehensive is especially popular for its competitive pricing and comprehensive emergency coverage.
Do Mexican citizens need a visa to visit the USA?
Yes — Mexican citizens must obtain a B-1/B-2 visitor visa from a US Embassy or Consulate before traveling. Including proof of visitor insurance with your application can strengthen it by demonstrating financial preparedness, since IMSS and ISSSTE provide zero US coverage. Consular officers often view evidence of medical coverage as a positive signal when assessing your application.
How much does visitor insurance cost for Mexican visitors?
Plans typically start around $1.10–$2.00 per day. A healthy Mexican adult under 60 visiting for 30 days usually pays $35–$75. Seniors over 70 or travelers requesting pre-existing condition coverage will see higher rates. For Mexican visitors from border cities like Tijuana or Juárez making frequent short trips, single-trip policies remain the most cost-effective option.
Does visitor insurance cover pre-existing conditions for Mexican visitors?
Most plans include acute onset coverage — meaning if you have a known condition like hypertension, diabetes, or heart disease and experience a sudden unexpected emergency, the plan can cover that emergency treatment. Routine management of stable conditions is not covered. This is critical for older Mexican visitors who commonly have managed chronic conditions that could flare up without warning.
Can I buy visitor insurance at the US border or after arriving?
Yes — most plans can be purchased after you've entered the USA. However, a short waiting period (typically 24–72 hours) applies for non-emergency conditions. For sudden emergencies, coverage usually begins immediately upon purchase. We recommend buying before you cross the border to avoid any waiting period and ensure seamless coverage from day one.
What happens if I need emergency care near the US-Mexico border?
If you're near the border and face a life-threatening emergency, US law requires all hospitals to provide stabilizing emergency care regardless of insurance status (EMTALA). However, you will receive a full-cost bill after treatment. Visitor insurance would cover these costs up to your policy limit. For non-emergencies, always call your insurer's 24/7 assistance line first to find covered providers.
What is the minimum coverage I should get?
For visits to the USA, we recommend a minimum of $100,000 in medical coverage. US healthcare costs are among the highest in the world, and even a short hospitalization can exceed $50,000.
How do I file a claim if I need medical care?
Call the 24/7 assistance number on your insurance ID card before seeking treatment when possible. For emergencies, go directly to care — your insurer can sort out billing afterward. All major insurers we work with have direct billing relationships with US hospitals.

Learn More

Visitor Insurance Guides

Visitor Guide

Visitors Insurance for Mexicans in the USA

Coverage options, pre-existing conditions, costs, and plan comparisons for Mexicans.

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Parents Guide

Visitors Insurance for Mexicans Parents in the USA

In-depth guide: pre-existing conditions, real costs, and which plan fits your parents' health situation.

Read Guide
Coverage

Travel Insurance with Pre-Existing Conditions

What "acute onset" coverage means and which plans protect travelers with health conditions.

Read Guide
Americans Abroad

Travel Insurance for Americans Visiting Mexico

Your US health insurance won't cover you in Mexico. Compare international plans for Americans.

Read Guide

For Mexicans Traveling to Other Countries

International Travel Insurance for Mexicans

Planning a trip to Europe, Asia, or beyond? Mexico's health coverage provides no protection abroad. Compare plans for Mexicans traveling internationally.

See Intl Guides

Visitor Insurance for Other Nationalities

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Browse all 194 countries →See all visitor insurance plans →
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