Overview of the Program From MexiPass
The Standard Tourist Auto Mexican Program from MexiPass International Insurance Services was designed to meet the needs of U.S. drivers traveling into Mexico who either do not qualify for or do not require the more comprehensive MexiPass Auto Special PLUS Policy. This program provides a step up in coverage compared to the standard Mexican Tourist Auto policies typically sold near the border, offering U.S.-based agents a reliable solution for clients who need legal and physical damage protection while driving in Mexico.
Ideal Accounts and Appetite
This program is a strong fit for insureds who:
- Are U.S. residents planning temporary travel by car into Mexico for tourism purposes
- Do not qualify for the higher-tier MexiPass Auto Special PLUS Policy
- Are seeking better-than-border coverage but do not require full U.S.-style policy features
Examples include clients taking family vacations to Baja California or snowbirds driving into Mexico for the winter months.
Coverage Highlights and Advantages
The Standard Tourist Auto Mexican Program offers enhanced coverage compared to typical border-purchased policies. Key features include:
- Automatic liability limits: Bodily Injury (15/30), Property Damage (10), and Medical Payments (1/5) included in all policies
- Optional higher liability limits: 50/100/25-2/10 and 100/300/50-3/15 available
- Legal defense and bail bond costs included
- Optional Physical Damage for Specified Perils for vehicles that carry Physical Damage coverage in the U.S.
Important exclusions: Passenger Liability and Uninsured Motorist coverage are not included. Partial theft is also not a covered peril.
Underwriting Notes
This program is underwritten by AIG – Mexico, a member company of AIG, and is offered on a non-admitted basis. Coverage is available only to vehicles that already carry Physical Damage coverage in the U.S. when Physical Damage is desired in Mexico. The program is designed to serve standard tourist risks, not commercial or high-risk drivers.
Territories and Availability
The Standard Tourist Auto Mexican Program is available to agents and brokers in nearly all U.S. states, including but not limited to AZ, CA, TX, NM, and FL. It is offered in all 50 states plus Washington, D.C., making it easy for producers nationwide to access a reliable market for tourist auto risks into Mexico.
Why Work With MexiPass?
MexiPass International Insurance Services is a leading Managing General Agency (MGA) specializing in cross-border insurance solutions. With deep expertise in Mexican insurance regulations and close relationships with top carriers like AIG – Mexico, MexiPass helps U.S. agents confidently place coverage for their clients traveling south of the border. Responsive underwriting, dedicated support, and customized solutions make MexiPass a trusted partner for this niche segment.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for U.S. residents driving into Mexico for tourism, such as vacationers or seasonal travelers, who want more robust protection than basic border policies.
Can this program cover commercial or business vehicles?
No, this program is designed specifically for tourist use. Commercial or business vehicles are not eligible under this policy.
What coverage limits are available?
Basic liability limits include 15/30 for Bodily Injury, 10 for Property Damage, and 1/5 for Medical Payments. Optional upgrades to 50/100/25-2/10 and 100/300/50-3/15 are available.
Is Physical Damage coverage included automatically?
No, Physical Damage for Specified Perils is optional and only available for vehicles that carry Physical Damage coverage in the U.S.
Is this program available in all states?
Yes, this program is available to agents and brokers in all 50 states and Washington, D.C.
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