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Mexico Boat Insurance

Insure your boat before you cross the border—get Mexico boat insurance online from licensed Mexican carriers in just minutes.

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Protect Your Boat—Before You Dock in Mexico

Your U.S. boat insurance doesn’t cover you in Mexican waters. Once you cross the border—by sea or by trailer—you’re exposed.

What most boaters don’t realize is that Mexico treats foreign vessels like foreign vehicles: no locally issued liability policy, no legal protection. Not with the port captain. Not with SEMAR. Not with the marina that won’t let you dock.

MexicoCovered.com gives you access to the coverage you’re required to carry—issued by licensed Mexican insurers and delivered instantly online.

Because if your boat causes damage in Mexico, your insurance needs to work in Mexico.

Do I Really Need Mexico Boat Insurance?

There’s no workaround. If you’re operating a vessel in Mexican waters—motorized or not—you must carry liability insurance issued by a Mexican insurer. It’s written into maritime law and enforced by the port captains, marina operators, and the Navy.

Without it, you can be denied entry, fined, or held financially liable on the spot. And no, your U.S. or Canadian marine policy won’t help you—not with port authorities, not in court, and not in a claim.

That’s why every policy we offer is underwritten by a licensed Mexican company and meets the documentation requirements at marinas and ports throughout Mexico.

Mexico Boat Insurance Coverage

What Mexico Boat Insurance Covers

This is third-party liability coverage. It protects you if your boat causes damage to someone else—or injures them—while operating in Mexican waters.

Your policy includes:

  • Property Damage: Covers damage to docks, marinas, or other vessels.
  • Bodily Injury or Death: Covers injuries you cause to others, including medical or funeral costs.
  • Legal Assistance: Includes legal defense and bail bond support, if required by authorities.

That’s what’s covered. It’s what the law requires—and what the marina will expect to see before you’re allowed to tie off.

What’s Not Covered

  • Physical damage to your boat
  • Injuries to you or your passengers
  • Loss of gear or personal property
  • Accidents involving towing, racing, or reckless operation

It’s liability-only coverage. Not full coverage. Not medical. Just the protection Mexican law demands—and the proof port captains need.

Pro-Tip: Mexico requires liability coverage from a licensed Mexican insurer—but that won’t cover damage to your own boat. If you need physical damage coverage, check your U.S. policy to confirm it allows navigation in Mexican waters.

Need help with a U.S. boat or yacht policy? IronPoint Insurance Services can help.

The right Mexico boat insurance for your trip

Mexico requires liability coverage for all foreign vessels—and many marinas won’t let you dock without it. The cards below show three smart options: each one meets the legal standard, but offers a different level of protection.

Select the coverage that fits your trip. Quote online, buy in minutes, and head for the water—fully prepared.

Basic Mexico Boat Coverage
Basic Coverage
Bodily Injury Liability
$50K per person / $100K Per Accident
Property Damage Liability
$100K per accident
Legal Assistance & Bonds
Up to $20K
Better Mexico Boat Coverage
Good Coverage
Bodily Injury Liability
$100K per person / $300K Per Accident
Property Damage Liability
$100K per accident
Legal Assistance & Bonds
Up to $20K
Best Mexico Boat Insurance Coverage
Better Coverage
Bodily Injury Liability
$250K per person / $500K Per Accident
Property Damage Liability
$250K per accident
Legal Assistance & Bonds
Up to $20K

How It Works

Getting Mexico boat insurance shouldn’t involve guesswork or paperwork. At MexicoCovered.com, the process is fast, secure, and completely online.

  1. Enter Your Trip Details
    Tell us when you’re entering Mexico, what type of boat you’re insuring, and where you’ll operate.
  2. Compare Coverage Options
    Review liability-only plans from licensed Mexican insurers. Choose the coverage level that fits your trip.
  3. Buy Online in Minutes
    No phone calls. No border kiosks. Just select, pay, and download your policy.
  4. Take Proof with You
    Print your documents or save them digitally. You’ll need them to dock or deal with port authorities.

No delays. No surprises. Just the coverage you need, ready when you are.

MexicoCovered.com Mexico Boat Insurance

Why Choose MexicoCovered.com

When you bring your boat into Mexico, the last thing you want is confusion at the port—or a policy that doesn’t hold up when it matters.

Here’s what sets us apart:

  • Licensed Mexican Carriers Only
    We work exclusively with insurers authorized to issue boat insurance in Mexico. That means your policy meets the law and is recognized by port captains, marinas, and SEMAR.

  • Built for Travelers, Not Brokers
    This isn’t a phone call. It’s a simple, self-serve platform that lets you quote, compare, and buy online—in minutes.

  • Instant Access to Documents
    Buy your policy and receive your proof of insurance immediately. Print it or save it digitally. You’re covered the moment you check out.

  • Coverage That’s Clear, Not Complicated
    We don’t bury you in legalese. You’ll know exactly what’s covered, what’s not, and what you need to bring with you.

MexicoCovered.com is the easy way to meet Mexico’s legal requirements—before you ever touch the water.

What our customers are saying

Mark
Mark S.
Provo, Utah

“I never go on a fishing expedition without the coverage I got from these guys. Top-notch service.“

Sarah
Sarah K.
Tucson, Arizona

“I found the best price for comprehensive coverage on MexicoCovered.com. The process was straightforward, and I felt reassured having immediate proof of insurance.”

Danny
Danny R.
San Marcos, CA

“Thanks to MexicoCovered.com, my family and I enjoyed a worry-free sailing trip around Los Cabos.“

Carlos
Carlos M.
Mission Viejo, California

“When our car broke down in Guadalajara, the roadside assistance we added on was a lifesaver. Quick, efficient, and exactly what we needed in a stressful moment.”

Lisa
Lisa P.
San Diego, California

“Navigating through different insurance options was incredibly easy on MexicoCovered.com. The details were clear, and getting covered took just a few minutes.“

Simon
Simon L
Chula Vista, CA

I was a little confused about the process because I was bringing a trailer with a small boat. The sales team was excellent and helped me understand the process and what to expect. The quote was quick and the rates were good. Overall, excellent sales experience.

Raymond
Raymond G.
El Paso, TX

I’m driving into Mexico more frequently now, and the MexicoCovered.com site makes it really easy for me to get my policy issued and my car on the road.

Maria
Maria S.
Oceanside, CA

I was buying Mexico tourist insurance through my insurance agent, but MexicoCovered.com made it super easy. I’ll be buying with them when I drive into Mexico from now on.

    Ready to set sail?

    Get a quote today and ensure your Mexican boating adventure is fully covered. Or contact us, our friendly representatives are ready to assist you with any inquiries.

    Rather speak with an insurance agent?
    Call (877) 222-3253

    FAQs about Mexico Boat Insurance?

    Which carriers provide Mexico boat insurance?

    When you quote and buy Mexico boat insurance through MexicoCovered.com, your liability policy is issued by El Aguila, a member of the Great American Insurance Group. If you need full coverage—hull protection, theft, or damage—you’ll need a separate marine policy through AIG Seguros México or a U.S.-based ocean marine carrier.

    What policy terms can I purchase?

    You can choose between daily and annual terms, depending on how often you travel. One trip or multiple—there’s a policy that fits.

    What currency is used in insurance policies for Mexico?
    All premiums and Mexico boat insurance coverage limits are shown in U.S. dollars. If you need to file a claim, you can request reimbursement in U.S. dollars or Mexican pesos.
    What types of watercraft can I insure?

    Our Mexico boat insurance is best suited for watercraft under 26 feet, including personal watercraft like Jet Skis and small powerboats. If you’re insuring a yacht or commercial vessel, IronPoint Insurance Services can help with a custom marine policy.

    Is boat insurance required in Mexico?

    Yes. Liability insurance from a Mexican carrier is required to operate a vessel in Mexican waters or dock at a port. Without it, you could be denied entry, fined, or held personally responsible for damages.

    How long does it take to get a policy?

    Just minutes. Once payment is made, your documents are available instantly. Download, print, or save them to your phone—you’re ready to go.