Get insured before you cross with your boat
Boat and Watercraft Insurance for Mexico
Liability insurance for your boat or personal watercraft is as important as your auto policy. Get Watercraft Coverage in Minutes.
Changes in the law have made liability and legal coverage necessary when bringing your boat or personal watercraft into Mexico. Full coverage boat insurance in Mexico policies are available from one day to one year, and you can get coverage in just 5-10 minutes by applying online.
Flexible Policy Limits
Policy limits range from $50,000 – $250,000 bodily injury per person, $100,000 – $500,000 bodily injury per accident, and $100,000 – $250,000 property damage liability per accident. Legal assistance has a $20,000 limit on all policies.
Coverage for All Types of Watercraft
You can purchase temporary watercraft coverage for powerboats, sailboats, yachts, and personal watercraft. Boats have a limit of 175 in length.
Policies Issued in Minutes
Get a boat or watercraft Mexican insurance policy in minutes.
More on Mexican watercraft policies
Watercraft Insurance
Do I need it?
Mexican boat insurance works similarly to car insurance in providing coverage for your boat while in Mexico. Since the laws changed, you are actually required to have insurance before you cross with your boat or arrive in a Mexican harbor.
Mexican watercraft insurance limitations.
Watercraft coverage is for recreational use only and does not cover commercial use or racing. Policies offer coverage for watercraft up to 175 feet that are registered in the United States or Canada. Policies do not cover physical damage, theft, or medical payments for watercraft passengers.
Your Coverage Options
Similar to your auto policy, the following options are available for your Mexican boat policy.
What’s covered
Liability Coverage
This covers damages you might cause to others or their property while operating your boat in Mexican waters. It's crucial to have sufficient liability coverage to meet Mexican legal requirements, as Mexican law differs from that in other countries.
Physical Damage
The policy only covers liability in the event you cause damage to someone else’s boat or personal property. You need Hull (physical damage) coverage from an authorized provider to cover any damages to your watercraft. Check with your US insurance provider to see if this is offered.
Medical Payments
This coverage pays for medical expenses incurred by you or your passengers as a result of a boating accident, regardless of who is at fault. It typically covers immediate medical treatment such as ambulance fees, hospital stays, and surgery.
Towing and Assistance
This coverage reimburses you for the cost of towing your boat to a repair facility if it becomes disabled while on the water. It may also cover other emergency assistance costs, such as fuel delivery or jump-start services.
What’s not covered
Unfortunately, everything cannot be covered – make sure you’re happy with what’s not covered, including:
Physical Damage to Your Boat
The policy does not cover your personal property or damage to your own boat. You need Hull (physical damage) coverage from an authorized provider to cover any damages to your watercraft. Try checking with your US insurance provider to see if this is offered in your travels to Mexico.
Looking for something different?
We’ve got a range of other insurance products to protect you and your loved ones while traveling in Mexico.
Car Insurance
Mexican auto insurance is required if you bring a vehicle into Mexico, and your policy at home is not recognized across the border.
Travel Medical Insurance
Medical coverage while traveling to cover those unexpected health needs. Policies from one day to two years.
Medical Evacuation Insurance
When the worst happens, get evacuated to your home country and hospital of your choosing.
