Driving in Mexico: Does Travel Insurance Cover Rental Cars and Roadside Assistance?

Planning a road trip south of the border is an exciting adventure for many Texans. Whether you’re renting a car or driving your own vehicle into Mexico, it’s important to understand how your travel insurance may protect you. We help Texas travelers navigate the ins and outs of Mexico travel insurance, including coverage for rental cars and roadside assistance.

Does Travel Insurance Cover Rental Cars in Mexico?

Many standard travel insurance policies offer some level of rental car coverage, but there are important limitations to consider when driving in Mexico. In most cases, U.S. auto insurance and credit card rental car coverage do not extend across the border. Mexican law requires drivers to carry liability insurance from a Mexican insurer, regardless of your existing coverage.

Some travel insurance plans may include rental car damage protection, but this typically applies only to vehicles rented within the United States or select countries. If you plan to rent a car in Mexico, you’ll likely need to purchase additional coverage through the rental agency or a specialized Mexico auto insurance policy.

What About Roadside Assistance?

Roadside emergencies can happen anywhere, and being prepared is especially important when traveling in a foreign country. While some travel insurance policies offer roadside assistance as an add-on, coverage for services like towing, flat tire changes or fuel delivery may be limited or unavailable in Mexico. Reviewing your policy details and confirming whether roadside assistance is included for cross-border driving is essential.

How We Help Travelers

The team at Kiero Insurance & Multiservices, LLC understands the unique needs of Texans heading to Mexico. We can help you:

• Review your current travel insurance for gaps in rental car and roadside assistance coverage
• Find specialized Mexico travel insurance that meets legal requirements and offers peace of mind
• Explain the differences between U.S. and Mexican insurance policies for cross-border driving

Contact us today to speak with our experienced team.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.