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.

Consequences of driving uninsured in Mexico

If you become involved in a car accident in Mexico and you are not insured:

• you will become personally responsible for any damage to the third party’s vehicle (or vehicles, if it is determined that your actions were the cause of an incident involving several vehicles);
• the authorities will pursue you personally for costs related to the repair of the public highway; this includes things like road surface, barriers, signs, and lamp post repairs—and can get expensive;
• if someone is hurt or killed, all drivers will be arrested; if you are deemed to be responsible, third parties will pursue liability damages against you;
• the authorities may charge you with driving without third party insurance that is compulsory in Mexico.

What to look for in an auto insurance policy

Regardless of who you buy your auto insurance coverage from, you should check that your auto insurance policy includes these essential elements:

Financially sound insurance underwriter

Make sure that the insurance company underwriting your policy is financially sound. Policies from lesser-rated insurance companies might cost less, but that lower premium translates into a de facto higher-risk for the policy holders. Don’t just shop around for the cheapest policy—consider who’s insuring you to avoid surprises in the event that you need to make a claim.

Licensed broker

As all insurance policies are sold through brokers, ensure that the broker you engage with is licensed and that they provide full transparency of the policies they offer. You should be able to check the detailed terms and conditions of any policy before you are asked to buy.

Broker’s presence and infrastructure

Ensure that the broker you use is well established in the market.

‘Good infrastructure’ means that the broker has excellent customer services facilities, makes effective use of technology so that you can purchase your policy efficiently.

The policy ought to offer help and support services when you are in Mexico, in addition to the insurance coverage, to include local access numbers where you can call to make a claim, ask questions and report issues, and be able to talk to someone in English, especially if you don’t speak much (or any) Spanish.

Liability coverages, legal assistance, and bail bond

Ensure that any policy you purchase includes coverage for these three essential elements:

• Third party liability: the policy must cover third party liability, including your personal liability to any third parties.
• Legal assistance: good policies offer comprehensive legal assistance that will support you in the event of a serious accident or third-party claim.
• Bail bond: your coverage ought to include a ‘bail bond’ element that will cover payment of your bail bond if you become involved in a serious accident and are detained while the incident is investigated, and liability is assessed. If this process is protracted, the bail bond may get you released pending inquiries.

Local support when you need it most

In the event of an accident or incident and subsequent claim, the level of local support your broker’s insurer has in place in Mexico will make all the difference to you.

• The broker and their insurance company should provide easy access to local support services in Mexico so that in the event of a claim, you are able to call for help with the least amount of effort.
• They ought to offer support attended by an English-speaking service agent who will be able to manage your call efficiently and dispatch the help and support you need.
• The local support ought to coordinate all your needs including accident reporting, legal support, breakdown, and medical assistance (if you purchased these).

Breakdown and medical coverages

The better brokers will offer a comprehensive range of additional support services, which are optional, but are worth considering when you are driving in Mexico.  The two most important are:

Breakdown coverage

If your vehicle breaks down while you’re driving in Mexico, roadside recovery will provide you with the essential support you need to get your car repaired and mitigate risks of becoming stranded.

Roadside assistance may include things like delivery of emergency fuel, towing services, dealing with flat or damaged tires, locksmith support, jumpstart assistance, and provision of lodging and a rental car while you wait for your vehicle to be repaired, and repatriation to your home country in the event of a write-off.

Medical assistance on your road trip

A policy that provides medical coverage will provide round-the-clock medical assistance on your road trips, including in the event of a serious accident, land and air medical evacuation and coverages to support you and your travel companions, for example with accommodations and transport while you convalesce.

Making an auto insurance claim in Mexico

Your policy documentation should be clear about the procedure you need to undertake in the event of an accident or incident, and any subsequent claims.

Here is a summary of the most important points, which are relevant to terms on most Mexican auto insurance policies:

You must make the claim in Mexico

Some people wait until they get back to the US or Canada before making a claim, especially if it’s for something minor, for example, for bodywork or a hit-and-run incident in a parking lot. Insurance policies require you to make a claim while you are in Mexico and most will not process your claim if you wait until you return home, except in the most exceptional circumstances.

Calling the insurance helpline

The first call you make if you become involved in an accident should be to the insurance company’s helpline. In addition to registering your claim, they will be able to dispatch an insurance assessor to the scene of the accident, as well as plan for lawyers or other services to be put in place for you, in the event of a more serious accident.

They may also arrange for breakdown and medical services to attend the scene if you purchased these additional coverages, and they are required.

Paperwork and reimbursement

You may be asked to produce a police report as well as other relevant documentation as part of the claim procedure. In some cases, for example, for immediate repairs to get your vehicle back on the road, you may need to pay these out-of-pocket and get reimbursed when you return home.

Keep all receipts. Your insurance policy will be specific about what to do in these circumstances. In all cases, remember that you should lodge your claim in Mexico—don’t wait until you get back home.

Learn more about driving in Mexico

Mexperience offers guides and articles to help you prepare and drive confidently in Mexico

• Latest articles about driving in Mexico
• Your Mexico road trip checklist
• Dealing with minor and major road accidents
• Guide to driving in Mexico
• Guide to auto insurance in Mexico
• Get a quote for Mexico auto insurance

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.

Free Monthly Mexico Newsletter

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.

Learn Spanish one-on-one in a relaxed online learning environment

Elisa Vidal is an independent qualified Spanish teacher based in Mexico.

She offers personalized, one-on-one online lessons in a relaxed and informal setting that puts you at ease to help you improve your language skills and increase your conversational abilities.

Choose the type of Spanish lesson you would like:

• Everyday Spanish conversation — increase your vocabulary, improve your language fluency, and learn about typical nuances and usage of Mexican Spanish in everyday situations.
• Beginner’s Spanish Lessons — start building your Spanish language skills with lessons that will get you started with conversation, understanding grammar, and building essential vocabulary.
• Intermediate Spanish Lessons — build on your existing Spanish language skills with lessons that will help improve your grammar, and build vocabulary and stronger sentence construction for writing and conversations.

Benefits of Elisa’s personalized lessons

Tailored lessons: Elisa offers lessons tailored to help you reach your Spanish language study goals, adapting the lessons to your personal needs.

Goal-oriented learning: Whether you want to improve general conversation, get a better handle on Spanish grammar, prepare for your new lifestyle in Mexico, or simply converse in Spanish with someone who can help you elevate your fluency level, Elisa will tailor the lessons to help you achieve your goals.

Cultural enrichment: Elisa’s language lessons will help you hone your Spanish language skills as you learn about Mexican traditions, expressions, everyday culture and the nuances of local language usage.

Experience you can trust: Elisa is bi-lingual and a qualified Spanish language teacher with over eight years of teaching experience and has worked with learners of all ages and backgrounds.

Spanish lesson plans and prices

Pay per lesson or choose a monthly package. Choose the plan that best suits your language learning intentions.

*Monthly packages are based on 4-week lesson cycles.

Request your language lessons with Elisa

Complete the request form below and Elisa will contact you directly.

What happens next?

• After you complete the request form, Mexperience will send you an email that confirms your request and introduces you to Elisa.
• Elisa will respond to you directly to schedule free initial 30-minute consultation call on Zoom to introduce herself, talk about your language learning goals, and organize the lesson plan you choose.

We regularly talk with foreign residents who have made their home here and, while all gardens can never be rosy all of the time, we’ve gathered together the key reasons cited by people who have settled here and say they are staying for the long-term.

“We’re enjoying a better quality of life.”

It’s no secret that the cost of living is rising across most of the world—that is, homestead, food and utilities are costing more, taxes are rising, and incomes are falling when compared to real inflation.

Retirees on fixed incomes are particularly affected by this.  People are moving to places like Mexico where their fixed incomes stretch further because they’re not paying as much for the basic necessities and their incomes are not being hit by rising costs that they cannot avoid, especially property taxes.

“We’re eating better food and paying less for it.”

There is an abundance of fresh, wholesome, food available in Mexico at affordable prices.  Fresh foods are available in many countries that don’t have the climates to grow them all year long, but at a premium price in comparison to highly processed and non-fresh foods.  In Mexico, you don’t have to spend the whole paycheck eating wholesomely.  Learn more about enjoying food in Mexico, as well as markets and shopping.

“Our home living costs are lower in Mexico.”

The fees and taxes home-owners have to pay in places like the US, Canada, and Western Europe have climbed steadily over the last decade—to the point where these are now a significant line-item on personal budgets.

Rises in house and community taxes have out-stripped inflation, and maintenance costs are steep: in summary, home ownership is becoming an expensive pastime and putting a lot of pressure on people with fixed incomes, or with wages that are failing to keep up with price rises.

In Mexico, home owners enjoy low property taxes as well as lower maintenance costs due to lower material prices and labor fees for house maintenance services.

“We enjoy an extraordinary climate.”

In terms of climate, Mexico is a land of three lands.

If you enjoy a year-round temperate climate, the central highland areas are ideal; if you need to be where it’s warmer/hot beside the ocean, there’s plenty of choice and, unlike the US, coastal property is still affordable in many places across Mexico.  If you prefer cooler temperatures year-round, Mexico’s highland mountain towns could suit you.

Some foreign residents come for the winter, some stay longer or stay all year. Our guide to finding a climate to suit your lifestyle will help you to consider the choices.  As a bonus, the light here is extraordinary all year.

“We can afford healthcare in Mexico.”

Routine medical care, specialist services, and medications cost less in Mexico, and you don’t have to compromise on the quality of healthcare you receive.

As the costs and limitations of the US and other medical care systems reveal themselves, people are looking abroad for the treatments and care they need—and Mexico’s geographical closeness is as attractive as the affordability.

You can learn about options for medical health care insurance in Mexico and find lots of additional insights about healthcare and well-being here on Mexperience.

“We feel safe in Mexico.”

In a related article about finding your niche in Mexico, we wrote: “If what you’re seeing about Mexico on your TV screen scares and keeps you away now, your perceptions have been hijacked before you allowed yourself an opportunity to better understand these lands, and see what others here see: a country in transition, a country which is, by and large, less violent than those places where stones are so readily thrown from glass houses.”

Despite the anti-Mexico news flow, foreign residents living here report that they feel safe and settled in Mexico. The drug cartels are not targeting foreign residents or tourists. People who are not involved in the drug trade or other criminal activities have a very small chance of being affected by violent crime.

Resources for Living & Lifestyle in Mexico

Mexperience offers you a comprehensive online resource of information and local knowledge to help you discover Mexico, explore choices, find opportunities and plan a new life in Mexico.  Our resources include:

• Relocate to Mexico, detailed guide to help you plan and realize your move
• Insightful articles about living and lifestyle in Mexico
• An extensive selection of free guides to living and lifestyles in Mexico
• A regular Mexico Newsletter you can subscribe to for free

Get help to plan your approach when you apply for residency in Mexico and practical facilitation assistance as you make your way through procedures related to applying for and managing your residency status in Mexico.

Mexico residency facilitation and assistance support service

The tele-assistance support service saves you time and helps avoid common mistakes made by applicants.

Whether you’re applying for residency for the first time, renewing an existing residency permit, or need assistance with other procedures related to managing your legal residency in Mexico—our associates can help.

Our associates offer service packages for the most common residency-related procedures, with clear and transparent fixed-fees. (Consulting and assistance fees exclude the government fees applicants must pay to apply for residency in Mexico.)

Mexico residency assistance plans and fees

Learn about the service packages that our immigration assistance associates offer, with clear and transparent fixed-fees for each one.

Click on the service name for a full description of the service and procedures, and to make a service request.  Our associate will contact you directly.

A consultancy with Samantha will provide you with guidance and concise recommendations about what to expect from senior care support services on offer in Puerto Vallarta—whether you’re planning ahead and considering choices for yourself (or you and your partner) or want to learn more about senior care provision services for someone else close to you.

Consult with an experienced senior care professional

Samantha is fully bilingual and has over 25 years of professional experience on matters related to social care across a wide spectrum of client groups in both public and private organizations.  She has lived in Puerto Vallarta for over 10 years and specializes in attending to the needs of people seeking senior care services there.

Her consultancy offers in-depth knowledge about senior care services on offer in Puerto Vallarta, including recommendations about in-home care services vs local residential homes, through direct experience of working with elder care centers in the Vallarta area.

Working with individuals and families of those preparing for their retirement or changes in their lifestyle or health situations, her areas of expertise include:

• senior care planning and management in private residences;
• bilingual advocate services for those navigating doctors, finances, and end-of-life planning in Puerto Vallarta; and
• providing personalized consultancy to individuals, families, hospitals, and assisted living centers.

Get experienced advice, local insight, and concise recommendations

Samantha’s consultancy service offers local knowledge and clear, concise recommendations about how to plan ahead, prepare for, and explore the availability of senior care services available in Puerto Vallarta.

When you’re seeking choices for senior care provision in the Puerto Vallarta area, Samantha can help you to discover and explore the options available:

When you’re planning for retirement or changes in your lifestyle in Mexico:

• Undertaking an Initial Assessment to determine your current situation.
• Advice about key matters you need to take into careful consideration.
• Guidance about realistic choices on offer in Puerto Vallarta and available service options.

When you need to talk about plans for someone close to you

• Personal consultation to discuss your situation and how you may source the help you need.
• Practical matters you need to consider as someone ages and external assistance is required.
• How to meet needs and provide support whilst respecting autonomy.
• Potential service options and practical tips on exploring potential care homes in Puerto Vallarta.

Consultancy that flexes with your needs

Samantha offers a FREE initial 15-minute conversation to talk about your situation and to determine if the consultation service is right for your needs.

Personalized consultancy is offered at US$85 per hour, with a 1-hour minimum, and time billed precisely as used after the first hour.  Samantha keeps a detailed log of the support time provided to you.

How the consulting service supports you

The service is designed to provide you with a personalized consultation that focuses on your specific circumstances and needs and provides you with a post-consultation written brief. Typically, the consultation follows this path:

Free 15-minute conversation

Samantha offers a FREE 15-minute conversation to discuss your situation and to determine if the consultancy service is right for your needs.

Your personalized consultation

If you decide to proceed with a formal consultation, Samantha will send you a payment link for the first hour of consultancy and schedule your first formal consultation call (by telephone, Zoom, or Skype, as you prefer) at a mutually convenient date and time. If your situation is urgent, a priority consultation may be accommodated, but please only request this if the need is genuinely urgent.

Gathering key information

The personal consultation will be carefully structured to talk about your current situation and future plans, answer any specific questions you have, and identify the key matters and issues related to senior care within your individual circumstances.

Guidance to help you make informed choices

The initial assessment enables Samantha to offer concise recommendations about senior care service provision in Puerto Vallarta, including how the services work, what to expect, with insights to help you interact positively and creatively with the services available.

Post-consultation

After the call, Samantha will compose a written brief of the initial assessment and her comments and recommendations. She’ll send these to you by email so that you (and your family) can use this to plan and make some informed choices; the brief also serves as a helpful reference if you need to share key information with other professionals and caregivers.

Follow-up call

After you’ve had an opportunity to read the post-consultation brief, you can optionally schedule a follow-up call with Samantha to talk through the details and answer any further questions you may have.

Make a service request now

To proceed with a service request, please complete the request form below.

Samantha will contact you personally to organize your FREE 15 minute call, with the option to proceed with a formal consultation afterward.

• You intend to retire in Mexico or are already retired and want to move here.
• You own a house, or intend to buy a house, in Mexico.
• You live in Mexico part of the year and don’t want the hassle and risk of using visitor permit for your regular stays here.
• You intend to make a significant change in your life and work style and move your life situations to Mexico.
• You move to Mexico primarily for work reasons, usually under the auspice of a formal work contract.

Qualifying for residency in Mexico

When you have made the decision to apply for legal residency in Mexico, you will need to consider which route you will use to apply.

• Our article about the principal routes for obtaining Mexican residency summarizes the main routes most people use.
• Most applications are made via the ‘economic solvency’ route—i.e., proving that you have sufficient funds to sustain yourself here.
• If you have specified types of family connections in Mexico (including marriage/common-law partnership to a Mexican national or a foreigner with legal residency in Mexico), you may apply for residency via the Family Unit rules.
• If your income or savings are insufficient due to the recent rises in those qualification criteria, there are some other routes that might be open to you.

Type of residency in Mexico

Mexico offers two main residency types: Temporary Residency (Residencia Temporal), and Permanent Residency (Residencia Permanente).

Permanent residency is obtainable without having temporary residency first, but the situations that allow this are very limited, and thus most applicants begin holding temporary residency first.  After four consecutive years of holding temporary residency, you may apply to exchange this for permanent residency.

• Learn about the difference between temporary and permanent residency.
• If you’re a couple applying for permanent residency together, read this.
• Note that temporary residency does not automatically come with permission to work in Mexico—this needs to be applied for and granted separately.

The residency application process

When you have determined how you will qualify, and what type of residency you will apply for, you can begin the application process.

• Most applications for residency must begin at a Mexican Consulate abroad.
• If your application through a Mexican Consulate abroad is successful, a residency visa sticker will be placed in your passport. This sticker must be exchanged for a residency card in Mexico before the visa’s expiry date—usually six months after its issue date.
• Family Unit applications and applications through special procedures can be made at an immigration office in Mexico.
• If your application is one of the few that can be made at an immigration office in Mexico, you will exchange your visitor permit (or other visa type you might have) for a residency card in-country.
• Learn more about the government fees for residency permits, and typical time scales for obtaining residency in Mexico.

Residency card renewals and exchanges to permanent residency

When you take possession of your residency card, you will gain certain legal rights and obligations as a resident in Mexico and you’ll need to manage your ongoing status, thus:

• In most cases, your first temporary residency card is issued for only one year*
• After the first year, you can apply to renew your temporary residency for a further 1, 2 or 3 years.
• After holding temporary residency for four consecutive years, you may apply to exchange this for permanent residency.
• If you don’t want permanent residency, you can allow the temporary residency card to expire and restart the process with one year of temporary residency.
• Permanent residency cards issued people aged 18 years and older never expire. Minors (aged under 18 years) need to renew their permanent residency cards periodically until reaching the age of 18.

*Spouse of a Mexican national or foreign resident: If you’re applying as a spouse of a Mexican national or an existing foreign resident see this article for details about time scales.)

Mexico residency card use and management

Your Mexico residency card serves as a form of official identification in Mexico, and may be accepted abroad as form of government-issued ID.

• You must present your residency card when you enter Mexico, and each time you leave the country.
• If have a temporary resident card, or if you’re the parent or guardian of a minor (aged under 18 years) with a permanent residency card, you’ll need to manage renewals to keep your legal residency status valid.
• You need to file notifications about certain changes in your personal circumstances at your local INM office.
• If you lose your residency card, or it becomes damaged beyond use, you’ll need to apply for a replacement.

For more details, read our article about managing your resident card and residency status in Mexico.

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
• The difference between temporary and permanent residency permits
• Financial criteria for residency in Mexico
• Time limits on Mexico’s visitor and residency permits
• Rights and obligations when you have legal residency
• Renewing your residency permit
• Temporary residency: expiry and renewal

Policy wording for Mexican property insurance

Property insurance policies sold in Mexico differ from policies you are used to seeing in your home country. The policy wording is unique, and the types of coverage offered by insurance companies is different here, so some things that you would expect to be included as standard, might not be present if you purchase your insurance in Mexico directly from a Mexican insurer.

Familiar policies, fully underwritten in Mexico

To help foreign residents who own property in Mexico to purchase insurance products familiar to them, specialist companies based in the U.S. have developed property ownership insurance policies which reflect the wording, terms and covers included on US and Canadian policies.

The insurance policy is fully underwritten by a Mexican insurance company (by law, it has to be this way), but the U.S. companies work in partnership to create a product that is familiar to those purchasing insurance in the US and Canada, and which is legally sound under Mexican law.  The premiums are paid in US dollars and any pay-outs are also paid in US dollars.

Policies to suit your situation and needs

The home insurance policies available in the market offer a wide range of options, and you can choose what to include and what to exclude as part of your coverage plan.

Depending on where your home is situated in Mexico, the risks (and coverage) you need to insure against will vary. For example, homes near the coast should be insured against hurricane damage and earthquakes, whereas inland only cover for earthquakes (and perhaps flooding, if you home is situated near water) will be needed.

Home insurance policies cover a wide range of eventualities and the most common coverages include reimbursement of costs related to:

• Damage caused by hurricanes and earthquakes
• Damage caused by and wind storms and floods
• Injuries to housekeepers and other workers in your home
• Burglaries and vandalism
• Damages to third parties, e.g. falling trees
• Coverages for owner-specific liabilities, e.g. in condos

You can cover all risks or named perils

Policy options and choices include all risks versus named perils, whether to cover assets like outbuildings surrounding the main property, and the option to insure your personal goods.

• The better policies will include coverages for third party liability: this is  helpful in the event that someone who does not live at your home meets with an accident on your property, or where some damage is caused to a neighbor, e.g. by a falling tree.
• This article about third party liability in relation to your home shares more details.
• Other considerations to take into account when you’re assessing your insurance needs include purchasing cover for any watercraft you may own, as well as special arrangements for condos, where some liabilities are shared and some are owner-specific.

Regardless of the type of insurance you choose, the insurer underwriting the policy is far more important than the broker or agent selling you the product: in the event of a claim, the integrity of the underwriter will determine pay-outs, not the insurance broker.

Learn more about caring for and insuring your home in Mexico

Mexperience publishes extensive information to help you plan and care for your home life in Mexico through guides, articles and free eBooks:

• Free eBook: House maintenance and home security
• Latest articles about property insurance
• Articles about real estate in Mexico

Comprehensive and detailed guide to living and cultivating a lifestyle in Mexico, continually revised and updated. Free—no payment or subscription needed.

Complete and detailed guide to Living & Lifestyles in Mexico that’s continually updated

Our extensive guides and articles offer insights to anyone exploring prospects for living, working, retirement and cultivating your lifestyle in Mexico.

They provide practical insights, incisive local knowledge, and meaningful guidance that helps you to discover opportunities, consider your choices, and make informed decisions.

Discover what lifestyles Mexico offers, identify opportunities of interest to you, weight up the compromises, consider your options, and plot a course based on the things that are important to you.

Guides to lifestyles in Mexico, for all life stages

Our continually-updated guides help you to begin weaving together the key components which create a workable and realistic lifestyle plan in Mexico, whatever planning stage and life stage you are in presently:

• To those considering a move to Mexico, whether you are single, with your partner, or a family with young children, Mexperience helps you to discover the country and evaluate living and lifestyle choices available here.  Our guides also offer thoughtful guidance about setting out your intentions and reshaping your situations.
• To those planning their retirement or seeking a place to retire, Mexperience guides provide specific guidance about matters related to retirement planning and retirement lifestyles, as well as the practicalities of retiring in Mexico.
• When you’re already living in Mexico, our guides and articles provide practical insights that help you to settle-in, adapt, and cultivate your new lifestyle here day-to-day.
• Regardless of your life stage, the information we publish provides meaningful insights about the essential day-to-day practical matters of living in Mexico, adapting to the country, the climates and culture, and more—with extensive cross references and links to further information and helpful contacts who can help you to realize your Mexico plans.

Planning or redefining your lifestyle in Mexico

Obtain practical insights, get incisive local knowledge and meaningful guidance that helps you to consider opportunities, weigh up your choices, and make informed decisions about planning or redefining your lifestyle in Mexico.

Mexico as a place for your retirement

We publish comprehensive information to help you plan a retirement here, whether you’re planning ahead or already retired and considering Mexico as a potential retirement haven.

Exploring locations and finding a place to live in Mexico

Our extensive articles help you to consider key aspects as you explore your options and make choices about your lifestyle and potential location types in Mexico.

Getting your residency permit for Mexico

Mexico’s immigration laws are reasonable and allow non-Mexicans with the financial means or family roots, and/or skills, to live here legally. We publish extensive knowledge to help you, including:

Moving and settling-in to life in Mexico

When you’ve decided to move to Mexico and made key decisions about where and how you’ll live, there’s the move a period of adapting and settling-in.  We publish extensive guides and articles to help you settle.

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

Our guides include detailed information about how to keep in touch when you’re in Mexico: by phone, by internet, as well as using postal and courier services here.  Our local knowledge helps you to choose a mobile phone plan, explore choices for high speed internet in Mexico (even if you live in a remote area) and our cost of living guide includes a section about the cost of communications services.

Detailed insights into the practicalities of living in Mexico day-to-day

Our articles and guides also include comprehensive insights about day to day living in Mexico that help you to plan your lifestyle, settle-in, and make the most of your life and activities in Mexico.

Mexico’s living costs and managing your finances

Financial considerations are an important aspect of any move.  Mexperience helps you to calculate your cost of living in Mexico and offers practical tips for managing your money and finances here.

Mexico as a place for working-age professionals

Working-age professionals, especially those plying a trade in the knowledge economy, are also considering Mexico as a base to live and work.

And more… resources for Living & Lifestyle in Mexico

Mexperience offers you a comprehensive online resource of information and local knowledge to help you discover Mexico, explore choices, find opportunities and plan a new life in Mexico.  Our resources include:

• A regular Mexico Newsletter you can subscribe to for free
• Regularly-updated articles about lifestyle planning  in Mexico
• Insights about day to day living with Mexico Home Life

What is Mexico’s CURP

CURP is an acronym that stands for Clave Única de Registro de Población and is different to the RFC.  All Mexicans are issued with a CURP by default, for example, when their birth is registered.

When you are granted legal residency in Mexico you are automatically assigned a CURP. Your CURP is usually printed on your residency card, but not always.  You can find your CURP using this website.

What is Mexico’s Biometrical CURP

In 2025, Mexico’s lawmakers legislated for a Biometrical (digital) version of the CURP.  The Biometrical CURP is intended to supersede the current version that can be accessed online and printed out.

To obtain a Biometrical CURP, people need to attend special processing centers that the government is setting up —at local RENAPO offices and Civil Registry offices— for people to share their biometrical data including electronic scans of their fingerprints, a digital photo of their face, and an electronic scan of their iris (eyes).

Is Mexico’s Biometrical CURP Obligatory?

In the autumn of 2025, lots of media stories stated that the new law makes the Biometric CURP obligatory; however, at a recent press conference Mexico’s president, Claudia Sheinbaum, asserted that the Biometrical CURP is optional for individuals and that no one is being forced to share their personal biometric data, and also went on to say that she anticipated most people would participate in the Biometric CURP when the importance of doing so is explained to them.

In practice it might become impossible to enter into certain programs and transactions in Mexico in future without a Biometric CURP, for example: healthcare, government programs, school enrollment, and banking.

As of now, the regular CURP is being universally accepted.

What is a CURP used for and when is it necessary?

Mexico’s CURP is a unique alfa-numeric code that identifies a sole individual. The new Biometrical CURP associates that number with specific biometrical features of an individual and might become the country’s Universal Identification Document.

Presently, the CURP is needed when you want to engage in certain official, often government-related, programs and some private transactions too. Examples include:

• Enrollment in government social programs.
• Mexicans and naturalized Mexicans need a CURP to apply for a passport and their INE—the identification card needed to vote in Mexican elections.
• Mexicans and legal foreign residents need a CURP to enroll in the government’s national healthcare service, the IMSS.
• You’ll be asked for your CURP to register for a RFC at a local tax office.
• Employers ask for your CURP to manage payroll, and to register employees with various government departments.
• A CURP is needed to enroll yourself or your children in any school or university, whether it’s public or private.
• You’ll need a CURP to apply for a Mexican driving license, and to get/renew license plates for a vehicle.
• Banks ask for a CURP when you are opening a bank account and/or applying for a mortgage or other form of credit.
• If you are buying online, and the goods you purchase are being physically imported, the online retailer (e.g. Amazon) is obliged to ask for your CURP number to process the importation of the product(s).

How do I apply for a (Biometrical) CURP?

The CURP is issued and managed by a government agency called RENAPO.  Every state has local offices.  Go to the RENAPO website for further information: https://renapo.gob.mx/citas/

Foreign Residents in Mexico

Foreign residents are issued with a CURP automatically when they are issued with their residency card.

The RENAPO website is directing foreign residents to attend their local immigration office for any matters related to their CURP.

It is presently unclear whether immigration offices will in future take additional biometric details to the ones they already take when issuing residency cards, and thus issue Biometrical CURPs automatically, and whether there might be a different process to apply for a Bio CURP if you’re an existing foreign foreign resident in Mexico.

What happens if I don’t have a (Biometrical) CURP

If you are a legal foreign resident in Mexico with a residency card (Temporary or Permanent) you already have a CURP.

Most Mexican nationals have and use their CURP by default.

If you don’t apply for the Biometrical CURP, in future you might be denied access to certain government programs as well as services and transactions—public and private.

Further information

Here are some additional resources related to Mexico’s CURP:

• CURP main website
• RENAPO (Appointments for Bio CURP)
• DOF (Federal Law Register) for Biometric CURP
• See also: What is the RFC and what is it used for?

Multi-purpose paper arrivals form

In addition to being a visitor’s permit, the form is also used by those arriving with visa stickers in their passport issued by Mexican consulates abroad, particularly residency visas.

The half of the paper form that is stamped and given to you for safe keeping is used by visitors to exit the country, or as part of the process when you are apply to exchange your residency visa to a residency card.

The FMM form is sometimes issued to passengers by airlines, and they are also available at ports of entry.  If you apply for a FMM online, the current procedure requires you to print a paper copy and carry this with you when you come to Mexico.

Mexico’s paper FMM forms being phased out

Beginning the summer of 2022, Mexico started to phase out the paper version of the FMM forms.  As of now, many ports of entry across Mexico no longer use them.

However: the immigration rules, procedures, and time scales —for example the number of days you can stay in Mexico as a visitor, and the need to exchange a residency visa for a residency card— have not changed.

The phasing out of the FMM paper forms is happening on graduated basis.

If you are not issued with a a paper FMM when you arrive in Mexico, or asked to complete a paper FMM form when you’re resident in Mexico and leave the country, the immigration official will place a stamp in your passport, instead.

Whether a paper FMM is stamped and the visitor half given back to you, or whether you have no paper to deal with and a stamp is placed in your passport will depend on which Mexican port you enter or exit through—the changes are being rolled out on a gradual basis.

Eventually, all paper FMMs will be phased out and everyone will be given a stamp in their passport instead.

How to navigate the transition period

We are still learning about the changes taking place are updating this article as additional information becomes available.  Meanwhile:

If you arrive in Mexico as a visitor

• Continue to complete a paper FMM form if it’s available at the port of entry.
• If you apply online for a FMM, continue to follow the procedures stated on the online system.
• If a paper version of the FMM is stamped and given back to you at the port of entry, keep this safe—you’ll need it to exit Mexico when you leave.
• If you don’t get a paper version of the FMM, the immigration official will place a stamp in your passport instead, in lieu of the paper FMM. This will also be marked to show how many days you have been granted to stay as a visitor. You’ll need to show this page when you leave Mexico.

If you arrive with a residency visa in your passport

• If you arrive in Mexico with a residency visa sticker, continue to complete a paper FMM form if it’s available at the port of entry.
• If a paper version of the FMM is stamped and given back to you, keep this safe. You will need to give this to the immigration office when you are exchanging a residency visa for a residency card.
• If you are not issued with a paper FMM when you arrive in Mexico with a residency visa sticker, the immigration official will place a stamp in your passport instead, in lieu of the paper FMM, and will mark this with the word “Canje.” Show this page to the immigration office when you go to exchange your visa for a residency card.

If you’re already resident in Mexico with a card

• If you are already resident in Mexico and have your residency card remember that you need to register your departure at the port of exit before you leave.
• Many ports are now stamping passports instead of using paper FMM forms to register residents’ departures and returns.
• Continue to attend the immigration kiosk at the port of exit to register your departures and follow the guidance given by the immigration official at the port.

Immigration rules and time scales unchanged

Remember that the immigration rules and time scales remain unchanged, for example:

• The official at the port of entry will stipulate how many days stay in Mexico you have if you arrive as a visitor. This number will be written in your stamped passport instead of the on the FMM paper and will not exceed 180 days.
• If you come with a residency visa in your passport, you have 30 days from the date of your arrival in Mexico to exchange your residency visa for a residency card.

Learn more about Mexico visas and immigration

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

• Learn about Mexico’s visitor permit, the FMM.
• Read the FAQs related to Mexico’s FMM
• Learn about the exchange procedure when you have a residency visa sticker in your passport
• Learn about the entry and exit procedures at Mexican ports.
• Discover the principal routes for obtaining legal residency in Mexico