This article describes what a travel medical insurance plan is, and how you can use this type of insurance to obtain coverage when you’re in Mexico for shorter trips and extended stays not lasting more than 180 days.

What is a travel medical insurance plan?

Most trip protection insurance plans limit coverage to a maximum of 90 calendar days —three months— and if you stay over this, the insurance plan’s cover ceases to continue.

If you stay, or intend to stay, in Mexico for longer than three months, then an extended stay travel medical plan will cover you in Mexico for up to 180 days (6 months), and provide emergency medical expense coverage, including medically-warranted evacuation, during that time.

Our associate offers extended stay travel medical insurance plans to protect you from the costs of unexpected medical emergencies while you’re in Mexico.

What an extended stay travel medical plan covers

• Unexpected medical expenses while you’re on an extended stay in Mexico not exceeding 180 days.
• Emergency medical expense coverage in Mexico for physician’s fees, lab/x-rays, prescriptions, anesthetics, clinic/hospital costs up to US$100,000. Coverage for emergency dental expenses is also included up to US$750.
• Medically-warranted emergency evacuation to a hospital of your choice and covering up to US$500,000 of medical evacuation costs. Includes transporting a visitor from abroad to join you, and repatriation of minors.
• The plan extends coverage beyond Mexico to nearly all countries when you travel.
• If you unexpectedly pass away in Mexico, this insurance plans covers the cost of repatriation of your mortal remains.
• This plan does not cover prepaid trip costs (flights, hotels, cruises, tours & excursions, etc.) that you would typically find in a single-trip comprehensive protection plan.
• Premiums are based on the number of days you intend to stay in Mexico (maximum 180 days).
• Coverage limitations apply—terms are clearly provided by our associate, TME Insurance, when you get a no-obligation quote.

Is travel medical insurance plan right for me?

This plan is ideal for those who visit Mexico for extended stays up to 180 days and primarily seek protection from unexpected medical emergencies, with medically-warranted evacuation, and without seeking coverage for trip interruptions and other non-medical benefits that single-trip insurance typically offers.

If you take single trips or short visits to Mexico that will not last more than 90 days (three months), consider opting for short-term visit coverage options which offer emergency medical expense coverages in Mexico, trip-protection if your voyage is cancelled or interrupted in some ways, as well as medically-warranted evacuation to the nearest suitable facility.

If you live or stay in Mexico for over 180 consecutive days and have a medical plan that covers you in your home country, a Medical Evacuation plan for longer-term stays might suit your situation.

This article describes what a medical evacuation insurance plan is, and how you could use this type of insurance to obtain coverage when your stays in Mexico are longer than periods typically covered by trip protection plans or travel medical insurance plans.

Medical evacuation and options available for extended stays in Mexico

Medical air evacuation isn’t for patients who are mobile and suffering from turista or sea-sickness, minor injuries, or illness where they can be treated and discharged. Instead, it’s for people who suffer catastrophic illness or accidents while away from home—some cardiac events, strokes, or serious vehicle accidents where a medical evacuation may be warranted are the more typical situations.

If you stay, or intend to stay, in Mexico for longer than six consecutive months a year, evacuation insurance can be used to transport you to a hospital of your choice back home to access the medical treatment and the care needed to treat your medical condition if a catastrophic medical event befalls you or a covered family member while you’re in Mexico.

What a medical evacuation insurance plan covers:

• Medically-warranted evacuation from Mexico to a hospital of your choice covering up to US$500,000 of medical evacuation costs.
• Includes transporting a visitor from abroad to join you and repatriation of minors
• Return of an unattended vehicle if you drove your foreign-plated car to Mexico.
• If you unexpectedly pass away in Mexico, this insurance plan covers the cost of repatriation of your mortal remains.
• This plan does not cover prepaid trip costs (flights, hotels, cruises, tours & excursions, etc.) nor does it cover emergency medical expenses in Mexico.
• Premiums are based on covered travelers’ ages and the number of days of coverage you need (364 days, maximum).
• Terms are clearly provided by our associate, TME Travel Insurance, when you get a no-obligation quote.

Is an extended stay medical evacuation insurance plan right for me?

A medical evacuation insurance plan is ideal for people who are in Mexico for short or long-term stays and have active medical insurance coverage for treatment in their home country—which is typically required to be accepted by a receiving hospital for a medically-warranted evacuation.

People who choose a medical evacuation plan will typically pay for any medical expenses in Mexico out of pocket, or buy a basic healthcare plan locally, and use the evacuation insurance only in scenarios where a catastrophic medical event befalls them or a member of their family and a medical transport is warranted while they’re in Mexico.

If your stays in Mexico are shorter and will not last more than 180 consecutive days (six months), consider opting for a travel medical plan for extended stays that covers out-of-pocket emergency expenses as well as a medically-warranted evacuation to a hospital of your choice.

If you take single trips or short visits to Mexico that will not last more than 90 days (three months), consider opting for short-term visit coverage options which offer emergency medical expense coverages in Mexico, trip-protection if your voyage is cancelled or interrupted in some ways, as well as medically-warranted evacuation to the nearest suitable facility.

Get help to plan your approach when you apply for residency in Mexico, and practical tele-assistance as you make your own way through procedures related to applying for legal residency in Mexico.

First-time residency applications in Mexico

Our associates can help you when you are planning to apply for residency in Mexico for the first time. (They can also help if you had residency before, allowed it to lapse, and want to re-apply for residency now.)

Mexperience offers detailed information about applying for residency, including the principal routes to residency and their qualification criteria.

How the Tele-Assistance facilitation service works

The tele-assistance facilitation service offered by our associates saves you time and helps avoid common mistakes made by applicants seeking residency in Mexico. You can use tele-assistance regardless of what location you plan to move to (or are currently situated) in Mexico.

The service facilitates your application at every stage of the process:

• An initial consultation by phone/videocall/email/chat to understand your situation and plan a workable approach for your residency application.
• Confirmation of the required procedures for a first-time residency application.
• Review of your supporting documentation for accuracy and completeness.
• Customized checklist of documents you’ll need to carry and present at each stage of the process.
• Assistance to identify a suitable Mexican consulate abroad, including help to book an appointment, and support to prepare for your residency interview at a Mexican consulate.
• After the consulate places a visa stamp in your passport, our associates continue their support when you arrive in Mexico to exchange your visa for a residency card.
• Our associate will co-ordinate your intended arrival date in Mexico and book an appointment for you at the immigration office in Mexico using the INM’s online appointment system.
• They’ll correctly complete the application forms and letters (in Spanish) that you’ll need when you arrive at the immigration office in Mexico to exchange your visa for a residency card.
• Our associate will provide detailed instructions/guidance about where to go and what to do at the Mexican consulate abroad and/or at immigration office in Mexico on your appointment date.

Get support through every stage of the application

The table below describes the support offered at each stage of the application process.

First Time Application Tele-Assistance Fees

Our associate’s first time application tele-assistance support package offers facilitation that is transparent and affordable, with fixed-fee pricing and no hidden charges.  All consulting and assistance fees exclude the government fees applicants must pay to apply for residency in Mexico.

Accompanied Option: The First Time Application service plan is also available as an Accompanied Assistance option at selected cities in Mexico.  Accompaniment is not available at Mexican consulates abroad.  See this page for details and fees.

Make a service request for Residency Assistance

To hire our associate to assist you with the facilitation of your first time residency application, please complete the request form below.

What happens next?

• After you complete the form, Mexperience will send you an email that confirms your request and introduces you to the associate who will assist you.
• The immigration assistance associate will respond to you directly and request payment for their service. When you’ve paid, they’ll schedule-in your initial consultation and the service will begin.

If your existing Mexico residency card is expired, our associates may be able to help you renew the card: in Mexico through a regular renewal process; or by restarting your residency application inside Mexico; or by restarting your residency application at a Mexican consulate abroad—depending on the circumstances.

How you deal with an expired residency card depends on:

• Whether you are physically inside Mexico or outside of Mexico when the card expires; and
• How many calendar days have passed since the card expired; and
• If you were outside of Mexico when it expired, how many days have passed since your return date to Mexico; and
• How many years of temporary residency you have accrued.

Renewing your Mexico residency when your residency card has expired

Our associates can provide consultation and practical assistance in the event that you have let your residency card expire.  Their support and facilitation depends on your circumstances, thus:

If you’re currently outside of Mexico and less than 55 days have passed since the card expired, and you have less than four years of temporary residency accrued, our associates can help with a regular renewal of your existing residency card.

If you’ve recently arrived back in Mexico with an expired card and you have less than four years of temporary residency accrued, and less than 5 days have passed since your arrival date, our associates can help with a regular renewal of your existing residency card.

If you’re currently inside Mexico, and less than 55 days have passed since the card has expired, and you have less than four years of temporary residency accrued, our associates can help you re-apply for residency at an immigration office in Mexico, and you can use the form on this page to make a service request. In this situation you will be required to re-prove your income and all your key documents including bank/account statements will need to be notarized/apostilled and translated into Spanish.

How the Tele-Assistance facilitation service works

The tele-assistance support service offered by our associates saves you time and helps avoid common mistakes made by applicants dealing with their expired residency cards in Mexico. You can use tele-assistance regardless of what location you plan to move to (or are currently situated) in Mexico.

The service facilitates your application if you have a qualifying expired residency card (see notes above) and you want to apply for a renewal or re-apply for residency.

• An initial consultation by phone/videocall/email/chat to understand your situation and plan a workable approach for renewing your residency card or re-applying for residency.
• Confirmation of the required procedures for dealing with your expired residency card, depending on your circumstances.
• Checklist of requirements and review of your supporting documentation for accuracy and completeness.
• Correct completion of the forms and covering letter you will need to file for renewal of an expired residency card or re-application.
• Customized checklist of documents you’ll need to carry and present when you attend the immigration office in Mexico.
• Detailed instructions/guidance about where to go and what to do when you arrive at the immigration office to file the application.

Get support through every stage of the application

The table below describes the support offered through the expired residency card renewal or re-application process.

Dealing with Expired Residency Cards Tele-Assistance Fees

Our associate’s expired residency card assistance packages offer facilitation that is transparent and affordable, with fixed-fee pricing and no hidden charges.  All consulting and assistance fees exclude the government fees applicants must pay to apply for residency in Mexico.

Accompanied Option: The Expired Residency Card assistance service plan is also available as an Accompanied Assistance option at selected cities in Mexico.  Accompaniment is not available at Mexican consulates abroad.  See this page for details and fees.

Make a service request for assistance with dealing with expired residency cards.

To hire our associate to assist you with the facilitation of your renewal of or re-application for residency when your residency card is expired, please complete the request form below.

What happens next?

• After you complete the form, Mexperience will send you an email that confirms your request and introduces you to the associate who will assist you.
• The immigration assistance associate will respond to you directly and request payment for their service. When you’ve paid, they’ll schedule-in your initial consultation and the service will begin.

Living & Lifestyle insights for September

Insights and tips for better living & lifestyle in Mexico

Mexperience website updated & refreshed
We’ve spent the summer giving Mexperience a refreshed look and upgraded design. The new style offers a fresh, simple, and engaging feel to make the time your spend on the site informative and visually absorbing, too. The refreshed styling can be enjoyed on your phone or tablet and is best experienced on larger screens or a tablet. To compliment the new look, new services and features are being planned in the seasons ahead and we’ll keep you posted about them here in the Newsletter.

Summer yielding to autumn
The autumn equinox this month heralds the seasonal turning point as the halcyon days of summer yield to fall’s changeable climate. This year’s rain season began a  bit earlier than usual; typically the rains last through mid-to-late October. As the season begins to turn, sultry summer temperatures along the coastal plains begin to moderate, and if you’re living in or visiting the mountain highlands your summer shorts may be stowed in lieu of warmer attire, especially during the early mornings and late evenings that become noticeably cooler at higher elevations, starting in October.

Mexico celebrates its independence in September
By late August, street vendors and stalls had already begun selling flags and other patriotic paraphernalia in earnest, heralding that Mexico’s Independence Day, one of the country’s most important holidays, is on the horizon. Mexico’s independence is traditionally celebrated with El Grito on the eve of September 15th and September 16th is one of Mexico’s seven federally-mandated Public Holidays. This year, the celebrations fall mid-week —on a Tuesday and Wednesday— making it tricky to create an unofficial holiday weekend from the celebrations as many did last year.

The Monarch butterflies return in the autumn
Mexico is host to the extraordinary Monarch Butterflies that migrate each year from the northern reaches of the continent to overwinter in the Oyamel fir tree forests situated in the mountains west of Mexico City. A visit to the butterfly sanctuaries is a highlight of any visit to Mexico during the late autumn and winter months. The butterflies begin arriving in November, and leave in March. Peak viewing season is between mid-January and late February, when temperatures rise and the butterflies are more active. Our travel associate can help you to make the most of your visit to see the butterflies this season.

Applying for and managing your residency
Autumn is typically a busy season for residency applications. If you’re planning to apply for residency in Mexico, our detailed outline of the process helps you to map out the journey. Our guide about managing your residency in Mexico is filled with helpful advice for existing residents.

Important Reminder
Every month people write in about residency card renewals that got forgotten, or left to the last minute. Appointment lead times are typically 1-3 weeks depending on the location; if you miss your appointment booking window (you must file before the expiry date) you cannot file your renewal or change of status at offices that require appointments and your residency status is put at risk. If you hold Residente Temporal status (or have minor children with permanent residency cards) we strongly recommend you:

• Check your cards today for their expiration date.
• Make a note and calendar reminder two full months before that expiry date.
• Plan to take action at least 6 weeks before the card’s expiry date.
• If your card was issued by an office that requires an appointment booked in advance, you’ll need to book to file before your card’s expiry date.
• If your card was issued by one of the very few offices that operate “walk in” appointments, plan to attend in person before your card expires and don’t leave it to the last minute.
• Permanent residency cards issued to minors (aged under 18 years) also require periodical renewal.
• Learn more about renewing your residency cards.
• Immigration offices will be closed on September 16, some might also be closed on September 15.

Autumn house sales
At summer’s end, the house market traditionally begins to pick-up with sellers seeking to close and buyers seeking to move in before the Christmas holiday season—that in Mexico begins on December 12th. Our extensive guide to Real Estate in Mexico includes several chapters to help people selling their home in Mexico, topics include home valuation, marketing the property, working with agents, costs, taxes, and the typical time scales involved.

Your road trips in Mexico this fall
Our extensive guide to driving and road trips in Mexico offers practical advice to help you prepare for your journey, including bringing your foreign-plated car across the border, using toll roads, road safety and vehicle security, vehicle breakdowns, dealing with accidents, and being properly insured in Mexico.

Discovering Mexico’s land of three lands
Mexico’s topography is characterized by diverse landscapes which in turn create a range of different climate zones across the country. Learn about Mexico’s three climate zones, and connect to our section about climates and weather for more insights and local knowledge about choosing a climate for visiting or living in Mexico.

Musical nostalgia on the Inter-air waves
Amid the relentless noise broadcast over radio airwaves and infinite variety of internet streams, lies an oasis of frequency modulation for radio listeners driving their cars in the capital—and for listeners anywhere worldwide online. Radio Universal, which has been transmitting from Mexico City for over 50 years with their jingle “La música que llegó para quedarse,” offers listeners respite from noise and journeys along memory lanes signposted by music primarily from the 1960s and 1970s.

Looking ahead to autumn festivities in Mexico
Mexico never shirks its traditional festive responsibilities, especially during the autumn! As September’s flags unfurl to celebrate Mexico’s independence this month, some other things to look ahead to this season include: a slight change in light distribution, but no change for local clocks; and before the clocks don’t change, there will be Day of the Dead; and soon after those festivities pass, people will be preparing for the Christmas holiday season.

Thinking about a move to Mexico?
Regardless of what stage you’re at in your thinking and planning about a potential move to Mexico, Mexperience helps you to make considered choices and informed decisions about moving here, settling-in, and cultivating a fruitful and wholesome lifestyle.  Start here, with an introduction to our relocation and lifestyle guides and discover our extensive articles that help you explore options and make considered choices.

Leisure Tours in Mexico

Walking Tours: It’s the perfect time of year to take a walking tour. Our associates in Mexico City offer tours to help you discover the capital on foot.

Other tours: Our associates can also help with custom tours to experience Mexico’s Copper Canyon on what is one of the world’s most extraordinary train journeys, and a personally crafted tour of Mexico’s Yucatán region.

If you’re planning ahead for the fall season, consider visiting one of the natural sanctuaries in the oyamel fir tree forests west of Mexico City to experience the phenomenal Monarch Butterflies.

Mexico Living Essentials

Guides and updates for everyday living & lifestyle in Mexico.

Roadcraft — Browse our extensive insights about driving & road trips in Mexico. Learn about being properly insured for the journey.

Immigration & Residency — Mexperience publishes detailed and regularly updated information about residency in Mexico.  Learn about how to apply, and how to manage your residency card and status. Obtain tele-assistance or accompanied assistance to help with the procedures and filing.

House & Home — Our guide to Mexico real estate is the most comprehensive you’ll find. When you buy or rent a home here, learn about how to keep it well cared for with our articles about Home Stewardship.  Also learn how to keep your dwelling spaces adequately secured and properly insured.

Health & Wellbeing — Read tips & insights for health and wellness in Mexico.  Learn about health insurance options.  Get a quote for private health insurance.

Money & Banking — Our complete and regularly updated guide to money and banking in Mexico helps you to learn about Mexico’s peso, open and manage a local bank account, make money transfers, use bank cards, and deal with everyday financial matters in Mexico.

Discover More of Mexico

Mexperience accompanies you throughout your journey.

When you’re looking for a new lifestyle in Mexico, Mexperience is with you at every step—from those first key decisions about moving, to settling-in and cultivating a fruitful lifestyle everyday.  And when you need time away for leisure and recreation, we help you to discover & arrange meaningful leisure experiences.

Many of the these documents (whether on paper, digital, or on a website) are straightforward to deal with; but some that arrive might be confusing, especially if you don’t know much Spanish and a translation or AI scan still doesn’t give you clarity about what the document is telling you, asking for or demanding.

Document interpretation service

If you receive a document(s) in Mexico that you’re struggling to understand and respond to, our associate offers human assistance with document interpretation.

Whether you have received a physical document or email in Spanish, been given information online that is difficult to understand our associate helps by providing a clear explanation of the information to help you interpret it.

This service is designed for foreign residents or visitors in Mexico who would like personalized assistance understanding information, researching a topic cited in the document to obtain clear explanations in English about what the document is about and what it’s asking for so that you can make an informed response.

Example of situations our associate can assist with

Our associate will be pleased to receive your request and assess your situation when you have a document(s) in Spanish that you need assistance in understanding. Most typically these include:

• Understanding emails, physical letters, or other messages written/published in Spanish.
• Interpreting information found on or delivered on website portals.
• Translation and human interpretation of short texts and everyday communications delivered in Spanish. (If you need a certified translation read this.)
• Human review of forms, documents, instructions, and procedures, and clear interpretation offered for these

How the service works

To keep the service simple and focused our associate offers this personalized human assistance service using email.  They do not provide support by telephone, video meetings, or text-messaging support.

• Complete the request form below.
• You will receive an email introducing you to our associate, and providing you with their email address to which you can send the documents and other relevant information.
• Our associate will review your request, offer you a no-obligation quote, and if you decide to proceed, they will bill you directly.
• Typically, our associate quotes US$20-US$50 per request, depending on the situation and complexity.
• If you decide to proceed, our associate will interpret your document(s) and provide a written response by email.

Make a service request

Complete the request form below and our associate will contact you directly.

What happens next?

• After you complete the request form below, you’ll receive an email introducing you to our associate, and that provides you with an email address to which you can send the documents and other relevant information.
• Our associate will review your situation and offer a no-obligation quote for the service. (Typically between US$20 and US$50 per request.)
• When you’ve paid, they’ll begin work to interpret your document(s) and provide a written response by email.
• Mexperience will send you an email to confirm these details.

The ‘Hoy No Circula’ program

This program, that translates to ‘today (these vehicles) don’t circulate’ was originally introduced as means to reduce the number of cars circulating on roads in the Mexico City area. The restriction zone also encompasses 18 municipalities in the State of Mexico which are adjacent to the capital.

Restriction zone: View an illustrated map of the restriction zone

The restrictions are determined by three factors:

• the level of emissions generated by a vehicle, determined by a code on a holographic sticker on the vehicle; and/or
• the last number on the vehicle’s license plate; and
• environmental contingencies — enacted when air quality levels deteriorate in the Hoy No Circula zone.

‘Hoy No Circula’ Restriction Zone

The Hoy No Circula program is in force in all 16 Delegations of Mexico City (Google Map) as well as 18 Municipalities in State of Mexico (Google Map).

Restriction zone: View an illustrated map of the restriction zone

Mexican-plated vehicles not registered in these states and foreign-plated vehicles traveling in the restricted zone are not exempt from the rules.

Foreign (plated) vehicles

Any vehicle that does not have plates issued in an area where Hoy No Circula applies, whether the car is Mexican-plated or foreign-plated, is considered ‘foreign’ according to the rules.

‘Foreign’ vehicles cannot circulate:

• at least one day of the week, Monday through Friday —from 5 a.m. to 10 p.m.— determined by
• a combination of the last number on the vehicle’s license plate and the code on its holographic vehicle emissions sticker.
• See the section below about ‘holographic sticker codes’ for more details

Furthermore:

• if your Mexican-plated vehicle does not have a holographic emissions sticker, or if your vehicle has non-Mexican plates: in addition to the above restrictions, you cannot drive in the Hoy No Circula zone every weekday morning between 5 AM. and 11 AM

Emissions test and holographic stickers

If you live in and/or intend to drive regularly in or through the Hoy No Circula zone, you will need to get your vehicle ‘verified’—an annual process that requires you to take your vehicle to an approved testing center.

After the test, you’ll be issued with a holographic sticker to place on your windshield; the number on that sticker will depend on the level of emissions the vehicle generates, and that will determine how often, and when, your vehicle can circulate in the Hoy No Circula zone.

Holographic sticker categories

There are five holographic sticker categories: 00, 0, 1, 2, and Exempt:

• If your vehicle is issued with a 00, 0, or Exempt sticker, you can drive without restrictions inside the Hoy No Circula zone, although note that if there is an environmental contingency in place, 00 and 0 stickered vehicles become restricted too;
• If your vehicle is issued with a holographic sticker bearing number 1, your vehicle is restricted one day a week depending on the last number of the license plate and two Saturdays a month—from 5 a.m. to 10 p.m.;
• If your vehicle is issued with a holographic sticker bearing number 2, your vehicle is restricted one day a week depending on the last number of the license plate and every Saturday—from 5 a.m. to 10 p.m.;
• If your vehicle is issued with an ‘Exempt’ sticker, there are no restrictions on when the vehicle can be drive in the Hoy No Circula zone;
• Use the online calendar tool to determine what days you can and cannot drive if your vehicle is not exempt.

Vehicles exempted from Hoy No Circula

Certain vehicles are exempt from the restrictions.  If your vehicle meets one of these criteria, it is exempt, and can circulate without restrictions inside the Hoy No Circula zone.

Important: Note that some of these exemptions may be withdrawn in the event of an environmental contingency in the restricted zone.

Exemptions include:

• the vehicle has been tested and ‘verified’ (see above), and has a holographic sticker displaying the number 00 or 0 on the windshield;
• the vehicle has a Tourist Pass (see next section);
• the car is solar/electric powered;
• the vehicle has Mexican-issued plates with disabled or ‘antique/classic car’ emblems on them;
• the vehicle has an ‘Exempt’ holographic sticker.
• Other exempt vehicles include: funeral hearses, federal transport vehicles, school buses, emergency vehicles, and vehicles displaying ‘trade plates’ (used by car dealerships).

Hoy No Circula ‘Tourist Pass’

If you intend to visit the Hoy No Circula zone for a defined period (or drive through it) you can apply for a ‘tourist pass’ for your vehicle.

A vehicle tourist pass:

• Exempts the vehicle from restrictions for a defined period;
• Can be requested only once every six months for 14 days each time; or twice every six months for 7 days each time
• Can be requested for 3 days during Mexico’s long-weekend holidays
• Foreign-plated vehicles can apply for the tourist pass, provided that the car was manufactured from 1993 onwards
• You apply for the tourist pass online. You’ll need to print out the two permits the system will send to you (one for Mexico City and the other for the State of Mexico) and display these prominently in your windshield when you are driving in the Hoy No Circula zone.

However:

• Vehicles less than eight years old with Mexican plates from: Mexico City, the State of Mexico, Querétaro, Puebla, Hidalgo, Guanajuato, Michoacán, Morelos, or Tlaxcala cannot apply for this pass as they can verify their vehicles in those states and obtain a holographic sticker with a 0 or 00.
• Tourist passes are suspended if there is an environmental contingency;
• Mexican- and foreign-plated vehicles manufactured before 1993 cannot apply for this pass.

Penalties for non-compliance

Traffic police in Mexico City and the State of Mexico are especially vigilant regarding this matter and are quick to pull drivers over for non-compliance.

If you drive your vehicle through the Hoy No Circula zone and you don’t have the prescribed permit or exemption, your car will be stopped, towed, and impounded (at your expense), and you’ll have to pay:

• a fine, that is determined between 20 and 30 days of UMA; plus
• towing and impoundment release fees that will add about an additional $2,000-$3,000 Mexican pesos; thus
• a violation will cost several thousand Mexican pesos (a few hundred US dollars) plus at least half a day of your life that you won’t get back—and significant hassle.

Further information

Here are some online resources about Hoy No Circula for further reference:

• Hoy No Circula information and online calendar
• Latest updates from CA Megalopolis, an integrated multi-state agency that keeps the public updated about Hoy No Circula
• Apply for a Tourist Pass online
• Tourist Pass FAQs
• Environmental contingency (air quality) news
• Vehicle verification info and testing centers

Learn more about driving in Mexico

Mexperience offers articles with insights to help you prepare for your road trip and drive confidently in Mexico.

• Insuring your vehicle for driving in Mexico
• Importing a foreign car or other vehicle to Mexico
• Getting a Temporary Import Permit (TIP) for your vehicle
• Your Mexico road trip checklist
• Latest articles about driving in Mexico
• Guide to auto insurance in Mexico

Place is personal, subjective, and important—and as you consider places to live in Mexico, Mexperience helps you to consider your choices and shortlist locations that may suit your lifestyle needs.

Discover locations to live, work or retire in Mexico

To help you discover and explore potential places to live here, Mexperience publishes a curated list of locations to consider for living, working or retirement in Mexico—organized by popularity and notoriety and classified by the location type.

Our articles introduce you to key places where many foreign residents live now, emerging locations that are becoming increasingly popular with foreign residents, as well as those places that are less well known, or situated off-the-beaten path. We also publish a selection of detailed guides of places to live in Mexico:

Detailed living guides

For detailed guides to selected places to live and work or retire, connect to our section with Guides to Living Places in Mexico

This article describes the typical time scales you ought to take into account when you intend to apply for a Mexico residency permit starting at a Mexican consulate abroad, as well as for residency-related procedures from within Mexico.

Principal factors that influence time scales

There are four principal factors that will influence the time scales involved in your application for residency in Mexico: from the initial application to receipt of your residency card. These are:

Supporting documentation: How long it takes you to gather the documentation required to support your application. The documentation varies depending on your situation, and may include official certificates, bank statements, investment account balances, letters of reference, etc.

Consulate appointments: If your application involves an appointment at a Mexican consulate abroad, the second factor that influences time scales is the availability of consulate appointments for your residency interview.  Availability varies by consulate and by season.  Some (but not all) consulates accept out of area applications, so if your nearest consulate has limited appointment availability, and you’re willing to travel to a consulate outside your area, you might be able to get an appointment sooner.  Our immigration associate can advise about consulates and help with appointment-making as part of their first time applicant support service.

Your arrival date in Mexico: When you have a residency visa stamp placed in your passport by a Mexican consulate abroad, you must arrive in Mexico and exchange your visa for a card before the visa’s expiry date.  Visas are typically valid for six months from the date of issue, but check the visa you are issued to be sure.

Immigration office procedures: The fourth principal factor that determines the time scales to complete your residency application is appointment availability at immigration offices in Mexico, and then the amount of time the local immigration office you file at takes to process your filing.  Some processes are completed the same day as the appointment, but can take between a few working days and 3-4 weeks to process applications at immigration offices in Mexico.  Time scales vary by location and the current workloads at that office.

More details about consulate appointments and immigration office timescales are described below.

Typical time scales at the Mexican consulate

Residency applications from outside of Mexico must begin with an appointment at a Mexican consulate.

Consulate appointments: It can take between a week and several weeks (and in some places, months) to secure an appointment for residency applications at a Mexican consulate. Lead times vary widely by location.

Procedures for consulate appointments: The procedures for booking appointments at Mexican consulates abroad varies by location:

• some consulates use an online booking system;
• others require an email request to be sent by the applicant; and
• others have walk-in dates.

Our associate can assist you with appointment scheduling as part of their application support service and in accordance with the policy and process in place at the consulate you apply at. They cannot ‘fast-track’ or get preferential treatment for any applicants.

Consulate visa time scales: Once you attend your interview at the consulate and file your paperwork, the consulate usually issues the visa sticker within 10 working days after your appointment date, if your application is successful.

Time scales at Mexico immigration offices

Mexico’s immigration offices use an online booking system for most (but not all) procedures.  Online booking is available for the most common procedures including visa-to-card exchanges and residency card renewals.

Visa-to-residency-card exchange: Although some visa-to-residency-card exchanges are processed the same day as the appointment, the ones which are not processed the same day are typically taking between 5-10 working days and may take up to four weeks in some cases to complete the visa-to-card exchange process (“canje“) in Mexico. Some offices might process the exchange the same day as your appointment, and some offices might also issue the card on the same day too—but we recommend that you allow between 5-10 working days and up to four weeks wait as part of your schedule planning, based on our associates’ recent experiences of helping others to process their visa exchange. Read more details about visa-to-card exchange time scales.

Other procedures: Time scales for other procedures, e.g. residency card renewals, vary by office location: 1-3 weeks appears to be typical at the moment; and as with visa-to-card exchanges, some offices might issue cards or complete the procedures on the same day as your appointment, but we recommend you build flexibility into your plans and scheduling as not all procedures are completed on the appointment date.

Leaving Mexico during the process

If you need to leave Mexico while you are waiting for your residency card(s) to be (re)issued, you can apply for an exit/re-entry permit after you have submitted your paperwork for the procedure and have a reference number for your filing.  There is an application form and a fee to pay for this permit.

Note that you cannot apply for this exit/re-entry permit before you have filed your paperwork at the local immigration office and been issued with a file reference number—known as a “Pieza.”  Also, you cannot apply for an exit/re-entry permit if your procedure is classified as a ‘regularization’ process.  You must also return to Mexico within 60 days or your process becomes void.

Learn more about Mexico visas and residency

Mexperience publishes extensive information about visas and immigration to Mexico, including:

• Our free and regularly-updated Guide to Mexico Immigration Guide encapsulates detailed information about applying for visas and residency permits
• Learn about exchanging your residency visa for a residency card
• Discover the principal routes for obtaining legal residency in Mexico
• Read our latest articles about residency and visas in Mexico

Auto insurance coverage valid in Mexico

Some auto insurance policies might contain wording that leads you to believe that you are covered in Mexico, but this out-of-country cover, if any is included, is limited to damage to your own vehicle and certain things you may be carrying inside your car.

The most important aspect of an auto insurance policy when you’re driving in Mexico is third-party liability, because claims for damages by third parties can be substantial.

Third party liability abroad needs a special policy

By law, US and Canadian insurers can’t provide third party liability and this coverage must be underwritten by a Mexican insurance company and be specially formed to be legally valid under Mexican law.

Third party liability covers any losses your actions might cause to others. These most commonly include (but are not limited to):

• damage to another person’s vehicle, or their property;
• injuries to another person in an accident; and
• damage to public property (e.g. road structures).

How much liability insurance is needed in Mexico?

While no one expects to be involved in an accident —and far less a serious one— when arranging coverage, it’s worth considering the worst-case scenario: that you accidentally cause serious injury or death of another person as a result of a vehicle accident.

Here in Mexico you can be made financially responsible to the other party (or their kin) if you unintentionally cause the death of another motorist, and reputable insurance brokers suggest that you have no less than US$300,000 in liability insurance and they will usually recommend US$500,000.

Get a policy covers more than just accidents

There are other factors besides financial liability to consider when you are arranging your auto insurance when you drive in Mexico.  The three most important aspects to consider when choosing a policy are:

Legal representation

If you’re involved in a serious road accident in Mexico, it’s common for those involved to be detained until the situation is assessed, fault is determined, and financial responsibility is assigned.

Due to this process, the legal representation which better policies offer will provide you with:

• local assistance to help you deal with the complex paperwork and procedures (in Spanish, and liaise with you in English);
• a fund to post a bail-bond and get you released as soon as practicable; and
• a legal team to negotiate on your behalf if fault and responsibility is assigned to you.

Medical coverage

If you or any of your vehicle’s occupants are injured in an accident, medical payments might or might not be covered. Medical coverage on auto policies vary and you’ll need to compare the choices to ensure you have an adequate amount of coverage, per person and in total.

Assistance for accidents and vehicle breakdowns

When an accident happens, what really matters is the practical support provided by an insurance policy.

If your vehicle breaks-down, or in the event of a minor accident which leaves your car damaged but readily repairable, a roadside travel assistance plan offered by the insurer can be an enormous benefit to you.

Roadside assistance can be purchased as part of an auto insurance policy and offers very practical help in what can be stressful and confusing circumstances.

• In the event of a breakdown or minor accident which leaves you stuck, help with things like gas delivery, a flat tire, a locksmith, or a tow truck to a nearby garage for essential repairs can be a phone call away.
• In the event of an accident, assistance can provide practical support and liaison with key personnel to help you recover more quickly and get back on your road trip as soon as practicable.

Learn more about driving in Mexico

Mexperience offers articles with insights to help you prepare for your road trip and drive confidently in Mexico.

• Insuring your vehicle for driving in Mexico
• Importing a foreign car or other vehicle to Mexico
• Getting a Temporary Import Permit (TIP) for your vehicle
• Your Mexico road trip checklist
• Latest articles about driving in Mexico
• Guide to auto insurance in Mexico

Detailed guides and helpful connections that enable you to plan and realize your relocation to Mexico

Mexperience provides in-depth insights and local knowledge with extensive articles, guides, and cross-references and connections to help you discover more of Mexico, consider your lifestyle options, define your intentions, make a plan, and help you to avoid making material mistakes with your Mexico lifestyle plans.

Our guides are written by people who know Mexico intimately, are continually revised and updated—and are free to access.

Mexperience helps you through every step of the journey

Our detailed guides and insights offer you complete information throughout every step of your journey:

• Discovering the benefits and opportunities Mexico offers to live and work or retire.
• Detailed insights that help you to consider whether Mexico is right for you and your partner—and family if relevant.
• When you’ve determined that Mexico is right for you, we offer lots of practical advice to help you plan your lifestyle in Mexico.
• Mexperience also helps you to plan your move, settle-in to Mexico, cultivate your social and community networks and helps you learn how adapt to the country and its culture.
• When you’re settled here, our up to date articles and monthly newsletter help you to cultivate a fruitful home life in Mexico.
• Our homestead articles offer practical advice to help you manage your home in Mexico and its dwelling spaces.
• Our insights and local knowledge also help if you’re living in Mexico now but want to revisit your intentions and need guidance to help you settle, adapt, and reform your plans.

Take the next step: start here

Mexperience offers extensive insights, local knowledge, and connections to help you plan and realize a relocation to Mexico, whether you’re single, a couple, or a family.

Begin your journey

Our Mexico Living & Lifestyles guide connects you to in-depth articles and information about living in Mexico. It’s continually updated, helping you to make considered choices and useful connections.

Help with lifestyle planning

Our regularly-updated section about Lifestyle Planning in Mexico shares insights to help you make informed decisions about your lifestyle choices in Mexico.

Calculate your living costs

Our detailed guide to the cost of living in Mexico helps you calculate a personalized budget based on your life stage and lifestyle choices.

Consider places to live in Mexico

We publish guides to help you consider places to live in Mexico, whether you come to live, work or retire.

Obtain your Mexico residency permit

Our detailed guide to applying for residency in Mexico shows you every step needed to qualify and apply for legal residency in Mexico

Real estate and property rental in Mexico

We publish a detailed guide to real estate in Mexico that shares practical insights when you’re buying, owning, renting, and selling property here.  We recommend you rent a house first before you buy, unless you’re familiar with the area you’re moving to.

Learn how to keep in touch when you’re in Mexico

Our comprehensive guides describe how you can keep in touch when you’re in Mexico.  Our local insights include learning about Mexico cell phone plans, how to dial phones, connecting to internet services including satellite services, and also learn about post and couriers… and the cost of utilities and communications.

Cultivate your home life

When you’ve made the move and you’re living here, our regularly updated articles about cultivating a fruitful home life in Mexico will give you insights, inspiration, and ideas to make the most of your everyday lifestyle.

Manage your money & finances in Mexico

We publish detailed, updated, information about managing your finances in Mexico, including bank accounts, money exchange, and money transfers.

Homestead care and management

Whether you’re renting a home or have purchased a property here, our regularly updated guides help you manage your home and dwelling spaces in Mexico, with tips and local knowledge to keep them well maintained and secure for you and your family.

Learning and improving your Spanish

We encourage you to learn Spanish to help you make the most of your experiences in Mexico.  We connect you to language courses, and our in-depth PinPoint Spanish series helps you to learn about the nuances of language usage in Mexico.

Driving, road trips and running a car in Mexico

Our guides and articles about driving and taking road trips in Mexico help you to prepare your longer road trips as well as dealing with everyday driving matters.

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Sign-up to our free monthly newsletter about Mexico that is filled with inspiration, meaningful knowledge, helpful connections, and tips for better living, lifestyle, and leisure in Mexico.

Discover even more of Mexico

Our Discover Mexico section provides a constantly updated stream of articles and guides that share knowledge and keep you updated about opportunities in Mexico.

This article contains a list of the most frequently asked questions and answers (FAQs) regarding matters related to applications for residency based on ‘economic solvency.’

These FAQs are organized into three sections.

General questions about ‘economic solvency’

Here are frequently-asked general questions regarding applications for legal residency in Mexico based on ‘economic solvency.’

How do I apply for residency in Mexico using my income or savings to qualify?

Most applications for residency must begin at a Mexican consulate abroad, unless your situation is one of the few (mostly ‘Family Unit’ applications) that can apply for residency within Mexico.

Do the accounts need to be in my name?

Yes. When you use Income or Savings/Investments, the account account statements you present must be in the name of the applicant.  If you are applying using your Mexican house value, the property’s Title Deed must be in the name of applicant.

What are the income requirements for temporary and permanent residency?

This article describes the latest requirements for income or savings/investment levels required to qualify for residency in Mexico.

• Temporary residency (Residente Temporal, RT) carries a lower threshold of income or savings/investments to qualify;
• Permanent residency (Residente Permanente, RP) carries higher income or savings/investments thresholds; and
• consulates require applicants to be ‘retired’ to apply for RP even when the applicant has the economic means to qualify.

Can I use a mix of income and savings/investment to qualify?

No. You must qualify using your proven monthly income for a full six months preceding your application date (some consulates ask for 12 months); or demonstrate a minimum savings/investment balance for a full 12 months preceding your application date.  You cannot mix income and savings/investment balances.

Can my spouse and I combine our incomes to qualify?

No. One of the two spouses (or common-law partners) is the principal applicant and must show sufficient monthly income in their own name, plus the amount required for a dependent spouse/partner.

Are the amounts required to qualify ‘per person’?

The income or savings/investment amounts quoted to qualify for residency are ‘per person’; however, spouses and common-law partners and minor children (under 18 years of age) can apply as dependents of the main applicant by adding 220x UMA to the total needed for each dependent. (See also: next question about joint accounts.)

For example: if you are applying as a couple with one dependent minor child:

• the principal applicant needs to meet the income or savings/investment criteria (principal applicant) plus
• an additional 220x UMA of monthly income or total savings/investment balance for each dependent.

Can my spouse and I show an account(s) in joint names even though only one of us is applying for residency at this time?

If you are married and have your account(s) in joint names, but only one spouse intends to apply for residency at this time, the account(s) in joint names will be accepted but the account must show double the economic solvency requirements (income or savings) instead of the usual amount for a couple applying together—that is the economic solvency requirement plus an additional 220x UMA; see the previous question about this.

If you apply together as a couple using the joint account, you do not need to show double the economic solvency values, and can show the amount for one person plus the lower amount for the dependent applicant, as described in the previous question.

See also: Guide to applying for residency in Mexico as a couple

Do I need to show the full account statements or just the summary balances?

Precise requirements vary by consulate, but we recommend you are prepared to always show the consulate (or immigration office in Mexico) the full and detailed account statements across the entire period required: either six or 12 months preceding the date of your application.

This will mitigate the chances of your application being rejected. Some consulates might accept abridged accounts, but in our experience most consulates and all immigration offices in Mexico will not accept abridged accounts, i.e., only balances/summaries—they want to see detailed statements.

Do I need original statements or will internet print-outs be accepted?

Mexican consulates ask to see original documents issued by the bank or investment firm or trust.

They will usually accept internet print-outs provided that the print-outs are stamped by a branch of the bank, or are accompanied by an original letter from the bank or investment firm confirming you are the account holder.

Some consulates also ask for a letter from the bank/investment fund confirming that the person named on the account is the sole account holder, if you’re applying as a couple and the account is not presented in joint names.

In all cases the name(s) on the account statement(s) must match precisely with the applicant’s name(s).

What if the accounts are based in another country?

If any of the income or savings/investment accounts that you intend to present as evidence are not in accounts based in the country where you make the application, you must get the full and detailed account statements notarized and apostilled.

For example, if you are applying at the Mexican consulate in France but your savings/investment accounts are based in the USA, you’ll have to get these documents notarized and apostilled.

The accounts might also need to be translated.  If you are applying at a Mexican consulate abroad, the accounts will need to be translated if they are not in a language which that consulate accepts. Consulates accept documents in Spanish and usually the official language(s) of the country they are situated in—check with the consulate you intend to apply at if you’re unsure.  If you’re applying at an immigration office in Mexico the accounts must be translated into Spanish by a certified translator.

Do I need to show economic solvency when I renew my temporary residency card?

Under the current rules, you do not need to re-provide proof of your economic solvency when you are applying for renewal of temporary residency*, but if you’re applying for renewal based on a local job offer, you will also need to present a letter on headed paper from the company or organization that employs you that states the ongoing nature of your employment, length of contract, and the remuneration arrangements—signed by a competent officer of the company.

*Immigration offices in Mexico might exercise their right to request additional information and ask applicants for recent bank statements to re-prove economic solvency when they apply for renewal of temporary residency.  It’s rare that they do this, but if the INM asks for this in your case you will need to show bank statements with minimum balances.

Questions about income requirements

Here are frequently-asked questions regarding the income required to qualify for legal residency in Mexico.

How much income do I need to qualify for residency in Mexico?

Find details about the income levels required for temporary and permanent residency.  You must demonstrate a net income that meets or exceeds the required threshold consistently on account each month for at least the last six months prior to the application date; some consulates ask to see the last 12 months of income prior to the application date.

Does the income amount need to be met consistently each month, or will an average be accepted?

In our experience of liaising with Mexican consulates abroad and immigration offices in Mexico, the minimum monthly income threshold must be met consistently every month, across the entire six (or 12) month period.  If your income during any month(s) across the six (or 12) month period is below the minimum threshold, your application may be rejected.

What sources of income qualify for residency applications?

Any sources of legally-obtained income will qualify; however, we have seen that some consulates will only accept pension-based income or ‘pay-stubs.’  You must demonstrate a regular monthly income flow over the required period that meets or exceeds the income threshold required. Cryptocurrency accounts are not accepted.

Can income from multiple sources be added together to qualify?

Yes, you can present monthly income from multiple sources and add these together to qualify. For example, income from earning or investments, house rental income (if the consulate you apply will accept rental income, not all do), pension income, can be added together to qualify, if necessary.

Can I show income flows across more than one bank account?

Many consulates (not all) will allow you to present statements from two or more bank accounts to show the flows of your total monthly income, but those accounts must be in your name, and none of those accounts can be cryptocurrency accounts.

Questions about savings/investment requirements

Here are frequently-asked questions regarding the savings/investment balance required to qualify for legal residency in Mexico.

What savings/investment balance do I need to qualify for residency in Mexico?

Learn about the current savings levels required for temporary and permanent residency.  Savings/investment balances must be shown for a full 12 months prior to the application date.

Does the savings/investment balance need to be met consistently each month, or will an average be accepted?

In our experience of liaising with Mexican consulates abroad and immigration offices in Mexico, the minimum required savings/investment balance must be met or exceeded consistently every month, across the entire 12-month period.  If your savings/investments balance during any month(s) across the 12-month period is below the minimum threshold, your application may be rejected.

What types of accounts qualify as ‘savings/investment’ balance?

To demonstrate you meet or exceed the minimum required savings/investment balance, you can use one, some, or all of the following account types:

• cash savings in a bank account(s);
• balances in a 401k (tax-efficient) investment account(s) (or 401k-equivalent if you are not in the USA);
• investments/savings held in a trust fund account(s);
• US applicants: some consulates accept IRAs, others do not.

Can balances across multiple types of savings/investments be added together to qualify?

If you have savings and investments spread across multiple types of savings accounts, many consulates (not all) will allow you to present multiple balances from several different types of qualifying savings/investments accounts and add these together to reach or exceed the minimum balance required. For example, you could use part cash balances and part 401k balance.

Can I show savings/investment balances across more than one account?

If you don’t have the total savings/investment required accrued in one account, many (not all) consulates will allow you to present statements from two or more accounts to show the total balance of your savings/investments across those accounts, but all the accounts must be in your name and none of those accounts can be cryptocurrency accounts. For example, you could show balances on two or more cash savings accounts; a 401k account, and a trust fund.

Learn more about residency in Mexico

Mexperience publishes information and resources to help you learn about how to apply for and obtain legal residency in Mexico:

• Learn about the principal routes to obtaining legal residency
• If you don’t qualify under ‘economic solvency’ rules, other routes might be open to you
• Here are the latest financial criteria required to qualify for residency in Mexico
• Compare the difference between Temporary and Permanent residency
• Find the latest residency-related fees charged by Mexico’s government
• Our free Mexico Immigration Guide encapsulates essential information about visas and residency permits for Mexico.

The questions and answers published in this article are based on our experience of readers’ questions and our associate’s experience of liaising with Mexican consulates abroad and immigration offices in Mexico.  They are provided in good faith, without warranty. For personal assistance with your application, consider requesting our associate’s Mexico Immigration Assistance Service.