Is Mexico Safe?

The most asked travel question about Mexico is, "Is Mexico safe for travelers?"

Joaquin 'El Chapo' Guzman Photo:CNN

Story by Jim Foreman

Using the words 'Safety' and 'Mexico' in the same sentence is often a treacherous proposition. A quick search of Mexico and Violence will bring up many stories intended to scare the reader and paint a picture that Mexico is a war zone. You can find examples of that here, here, here, and here.

Mexico is known for its beautiful beaches Photo:Terry Divyak

News outlets including CNN and films such as Traffic reflect a very bleak picture of Mexico. But wait! Contrast this with the great Mexican vacation you recently enjoyed, or your friends idyllic holiday in Mexico. Are we talking about two separate countries?

Add to that quarterly travel updates from the US State Department.  These are easy fodder for fear mongers in the press.  One should actually read those travel warnings rather than rely on our very 'accurate' news sources.  Here is the link to the current US State Department Travel Advisories for Mexico.

 

For any reasonable discussion to commence, it's crucial to separate the fact from the fiction. It is a fact, violence between rival drug cartels happens. It's also a fact that there is violence between drug gangs and the police. Another fact is that tourists, travelers, and visitors almost never encounter any of this violence.

La Leche Restaurant in Puerto Vallarta

Recently in Puerto Vallarta, a restaurant whose guests included drug gang members was raided by a rival drug gang. The rival drug gang members were taken at gunpoint and transported away. You can read one of many versions of the story here. Barely mentioned is that non-cartel related guests at the restaurant were unharmed and separated from the intended targets.

What does all this mean to the average American traveling in Mexico?

In short, it means travelers into Mexico must not leave their brains and awareness at the border. In nearly all cases, travelers to Mexico are not hurt, targeted or even aware of anything happening until someone informed them.

Safety itself is an illusion. While nothing negative may have ever happened to you, it doesn't predict that evil will forever elude you.

Violence is transient. It doesn't stay put. A place that was once dangerous may not be anymore. An area previously considered 'safe' may be stricken with high crime. For example, regions once felt 'very safe' like Oaxaca and Quintana Roo are currently experiencing a serious upswing in violence. Other areas such as Sonora and much of Jalisco are now mostly safe for travelers. The notion of being 'safe' is all provided that the visiting party doesn't act completely stupid or foolish. Socioeconomics also plays a significant role in crime and safety. Simply put, unless a traveler mindlessly wanders into the middle of an active shootout between police and drug gangs, there is no significant increased risk to a visitor's safety.

Think about it. Making and trafficking drugs to serve the insatiable appetites of the United States and Canada is a multi-billion dollar a year enterprise. They have no interest in a visitor to their country unless they appear to be a threat to that operation.

Many will point out that there is violence in the United States and Canada with drug gangs and shootouts with police. While this is true, one may not be aware of which areas in Mexico should be avoided, as one would in their home city.

Mexico is a huge country with five distinct regions (Baja California, North, Central, South, and Yucatan Peninsula) The entire continent of Europe can fit into Mexico with plenty of room to spare. Just because one region or area is a hot-spot doesn't mean the rest of the country is in shambles. The USA has Detroit, South Chicago and Washington DC. This doesn't mean the whole country is a disaster.

Whether you are traveling in Mexico, the USA, Canada, Europe, or wherever, it's critical that travelers understand these simple realities and be more aware of their surroundings as a matter of habit.


At any given time over 100,000 travelers are visiting Mexico. Over 99% of them have nothing but a great time a fabulous tan to show for it.

These tips are useful in your own city, country, or really anywhere in the world.

Please look carefully at things you should NOT do in Mexico

1. Don't travel at night in Mexico. Especially on backroads but on main highways, too. Cities are usually ok, but be wise. Don't use an ATM or get gas at night. Wait until the following morning. It's best to take a taxi, around town. This advice is especially true if you plan on drinking. Mexico has harsh laws if you cause an accident while intoxicated. 
2. Avoid doing things you wouldn't do back home. That doesn't mean one should not have fun and enjoy yourself. Have a great time! Just don't be stupid. In Mexico, many activities that are illegal in most of the United States are legal. Prostitution and marijuana possession and use along with drinking alcohol on the beach are all legal in Mexico, but with conditions. Don't be 'that guy' who takes it way too far and winds up in jail. Learn the protocol and where and when to participate, if you are going indulge a little bit. 
3. Don't be a loudmouth ass. Nobody likes someone like that. Mexicans are particularly tolerant of jerks, but even they can be pushed too far. You'll have a much better time being cool and making friends with the locals. 
4. Don't try to act like a brave idiot. Unless you're an MMA fighter, don't try to act like one. Don't clip knives to your pocket or talk about tactical training. Nobody likes a wannabe John Rambo. 
5. Don't flash your money or wealth. This notion should be simple to grasp, but too many people think it's ok to brag about such things. DON'T! You will attract petty criminals who are very experienced at separating you from your cash. 
6. If a situation seems too good to be true, it probably is. It's easy to be flattered when a beautiful and seductive woman appears to take a fancy to you. Be polite, but be on guard. Many Gringos have their wallets go missing and a serious headache after such encounters. 
7. Be aware of your surroundings and listen to your inner voice if something seems 'not right.' If your 'spider senses are tingling,' then it's probably best to find another place to be at the time. 
8. Don't be too curious or nosey. We all know what curiosity does to the cat. It's easy to be mistaken for 'La Policiá' or a rival cartel member if you're where you obviously shouldn't be. 
9. Don't walk around with headphones on or in your ears. People who do are the easiest to rob in any part of the world.
10. Don't keep your wallet, phone, or anything of value in your back pocket. In any busy tourist spot, in the world, these are the easiest ways to be pickpocketed. Pickpocketing is much worse in places like Barcelona, London, NYC, Rio de Janeiro, Paris, and Madrid. It does happen in crowded tourist areas in Mexico. Often a small group of teenage girls flirting or bumping you, somebody feigning an accident or fall, or children crowding, asking for pesos will be how it happens. Pickpocketing and other petty crime is extremely rare in Mexico outside of tourist zones. Don't be paranoid. Mexicans are typically very good and honest people.
11. Avoid conversations relating to politics, religion and other divisive topics.

Here are some things to DO when traveling in Mexico.

1. Smile, have fun and enjoy yourself. Experience the natural diversity and discover a country rich with beauty, culture, and history that far predates western civilization. 
2. Pay with Pesos. Mexico is still primarily a cash economy. Unless you have an account at a local Mexican Bank, save your credit cards for special occasions. Typically, $6000MX (currently around $320USD) is a reasonable amount to withdraw from a BANK ATM at one time. That should last you for several days. 
3. Only keep $400MX-$500MX in your wallet at one time. Preferably $50, $100, and $200 bills. $500MX bills are useful for large purchases like gas or hotel bills, but with smaller vendors they are difficult to change into smaller bills. Stash the bulk of your money in a discreet safe place along with credit or debit cards you won't be regularly using. 
4. Be respectful and try to learn a little bit of the language. A little effort goes a very long way. 
5. Go to festivals in the town center. Enjoy the local culture and cuisine. Make friends. Generally speaking, avoid political gatherings. 
6. Ask the locals for directions or if the route you're planning to take is OK. They may report that the road is out or in terrible condition and suggest a better option. 
7. Eat at local non-chain restaurants. Just because there is an Applebee's in Mexico doesn't mean you should go there. Visit busy locally owned restaurants and enjoy a unique experience. 
8. When staying at a hotel or a leaving your car out of sight in a parking lot, look for an attendant. If there is a watchman or a guard on duty, tip them $50MX ($3USD) to keep an eye on your car. These are honorable people who aren't paid very much. Even $50MX goes a long way toward making their lives a little better.
9. Carry copies of all of your important documents like passports, driver's licenses, visas, vehicle registration and insurance. Snapping a photo, on your phone is an excellent idea. 
10. Keep your phone put away. Unless you're making a call or taking a photo, put it away. Mexico is alive. If you're too busy liking Facebook posts and watching YouTube videos you will miss everything good. 
11. Make sure your mobile phone carrier has you on a plan that includes minutes, data and texting in Mexico. AT&T and T-Mobile have excellent options for this. Check with your carrier. 

Puerto Vallarta at Sunset Photo:Jim Foreman

Mexico is a beautiful place to visit and full of wonderful sights, sounds, culture and people. Don't be afraid to go. Keep any negative reports in perspective. Simply keep your wits about you, have fun, but don't act like an idiot.

Special thanks to Michael Strah for some fine tuning.

Experience the beauty, culture, and history of this great land. It's easy, fun, and surprisingly safe, as long as you're paying attention. 

 
When driving into Mexico, you must have Mexican auto insurance. Choose your best policy from MexicanInsuranceStore.com. It's as simple as Choose, Buy, and Print.

©2022 Jim Foreman All Rights Reserved

First Time Traveling Into Mexico

A Guide for First-Time Overland Travelers

Story by Jim Foreman

Many people throughout Canada and the United States have visited Mexico on holiday. Mexico’s idyllic beaches, warm winters, and high value for the money have made it a top destination in the western hemisphere. Despite overblown safety concerns by US news and media outlets, hundreds of thousands of US and Canadian citizens are in Mexico at any given time. If you have concerns about safety, please read this article for a no-nonsense perspective about Safety in Mexico.

A majority of visitors arrive by air into Mexico. Necessities like a visa are handled proficiently at the airport.

What happens when you wish to traverse Mexico in your vehicle? Whether by car, motorcycle, or RV, Mexico makes an equally charming and festive destination over land.

Though it’s relatively easy to travel with your vehicle into Mexico, there are several things you must do and have in order before you depart.

It’s also imperative to take care of some tasks after you cross the border and prepare to follow-up before you leave.

Don’t be dismayed. It’s not difficult. With so many fantastic destinations, the hardest part will probably be deciding where to go.

First Things First 

Do you have a Passport or US Passcard? Since 2007, you must have one to re-enter the United States. The good old days of presenting a birth certificate and drivers license are long past. This rule doesn’t mean that you will be refused entry back into the United States if you forgot your passport or don't have one. Do expect to be considered foolish by the border agent, to be chastised and possibly have to go through a secondary screening, upon your return.

Additionally, you will need a full passport if you intend to get a 7-day or 180-day tourist visa. If you’re just hopping across the border for an overnight, weekend, or day trip, the Passcard works fine. Fortunately, Canadians are pretty smart about this. US Citizens have the most difficulty grasping that they need to have a passport to cross international borders. Most get it, but an alarmingly high number of people still don’t.

You can download the passport application from the US State Department website and learn where you can submit it along with your photo and money order for the fees.

Visas and Temporary Vehicle Import Permits

The next thing to think about is whether you need a Mexican Visa and Temporary Vehicle Import Permit.

Unless one is a Mexican national, a tourist visa is technically required for anyone from the US or Canada who plans to do anything more than a day trip into Mexico.  Now that sums up the technical aspect.  The reality is a little different.  

If you try to ask for a tourist visa for an overnight or weekend in Ensenada or elsewhere in Baja California or the Sonora Hassle Free Zone, officials will wave you away unless you insist on one.  Here's the reality.  If you plan on staying less than 72 hours in Baja California, within the Hassle Free zone in Sonora, or within a border city, don't bother with a visa.  If you plan on staying longer, get the 180 day visa (around $25USD).  It's good for multiple overland visits to Mexico within the 180 day period.  Though visitors should turn them in at the end of their stay, there's no penalty if you don't.  The free 7-day visa does incur a penalty if not turned in or turned after the 7-day period.

The need for a Temporary Vehicle Import Permit (TVIP) has a familiar ring to it.  If you are traveling within Baja California or Baja California Sur and will NOT take the ferry over to the mainland, one does not need a TVIP.
Also in Sonora, within the Hassle Free Zone which includes everything west of Agua Prieta to Imuris and down to Guaymas, no TVIP is needed.
If travel beyond Guaymas is planned a TVIP is necessary.  The cost of a TVIP is about $65USD.  A refundable deposit of $200USD, $300USD, or $400USD is collected either in Cash or preferably Credit Card.  It's good for 180 days or the remaining time on your tourist visa.  

One needs to decide if they want to get their Mexican Visa and Temporary Vehicle Import Permit (TVIP) before they cross into Mexico or after they cross the border. The vast consensus of experienced travelers points to waiting and getting both at the border crossing INM immigration station and Banjercito.  Many people don’t realize that International Mail or delivery service takes much longer than the already slow US Mail.  Additionally, one may decide on a different vehicle to take, when the trip is actually made.  From the main roads in mainland Mexico, there is an Immigration checkpoint between 20Km and 35Km south of the border that you need to utilize. Simply and quickly get everything handled in a few minutes and be on your way. It’s a cinch.

Temporary Vehicle Import Permit from Mexico

While an 180 Day Visa is not a big deal if it gets lost, you are on the hook if your TVIP is lost or does not arrive before your trip. Imagine if something happens to your car such as it gets stolen, is in a serious collision, or totaled before you cross into Mexico. You will incur tremendous difficulties on the Mexican side. It will be excruciating gathering all the documentation and visiting over one-half-dozen different offices, in Mexico, to convince the Aduana of what happened and avoid paying the import penalty (about half of the value of the vehicle) and recovering your deposit.

Important Travel Tip

Don’t try to pre-book everything unless you are visiting during a holiday week or weekend like Semana Santa.  Relax, when you are ready to stop there will be many lodging options and then you won’t be tempted to do something daft like drive at night to the next city because you had a reservation.

Insurance

The most important thing one should do before departing to Mexico is to acquire your Mexican Auto Insurance online. Unless you travel with $300K USD in your car in the event of a collision, you must have Mexican Auto Insurance. That is unless you like the idea of staying in a Mexican jail. No, your US coverage is most likely not valid when you cross the border.  Check your policy for coverages.

If you wish to acquire travel insurance to cover against mishaps, consider AIG TravelGuard or World Nomads.

Both of these will cover you medically in the event of a personal accident, as well as offer some very appealing services and benefits.  Do keep in mind that medical expenses in Mexico are nowhere near as expensive as they are in the US.  Several hundred thousand Americans travel to Mexico for elective and otherwise costly medical care, annually.

It’s not a bad idea to pick up a map of Mexico at your local AAA office if you’re a member or order one on Amazon.

If you have a GPS unit, make sure to install or load the Mexico maps, if possible.

Crossing into Mexico

Gassing up before crossing at Nogales

When you cross the border, there are several things you probably need to handle.

The first is money. Here is a detailed story on how to manage money in Mexico. If you wish to exchange US Dollars into Pesos, it’s most often best to do so on the Mexican side of the border. Look for the highest 'Compra' or buy price of US Dollars.  Otherwise, find a bank ATM and withdraw some pesos.

If you chose to get your Visa and TVIP at the border, you will need to plan for a short stop at the appropriate location for your crossing. As mentioned earlier, most people find the process at the border to be straightforward and fast and with a lot less hassle than going online.

Important tip when crossing at Tijuana, BC

Depending on where you cross the border, the Immigration may be located just around the corner or up to 40 kilometers south of the international crossing. A great site to show you what to expect at certain border crossings is iOverlander.

One of the more confusing border crossings for getting your tourist visa and TVIP, if necessary is the big one in Tijuana. Once you cross the Red light-Green light lanes, hang a sharp right after the inspection area and park where the busses park.  Then you walk through several buildings and can get your tourist visa, pesos from a bank ATM and use the restroom.


Now you have your auto insurance, optional travel insurance, money, and if necessary, visas and TVIP.  All you need to do is head to your destination and enjoy the warmth, culture, value and comfort of our great neighbor to the south, Mexico.

When crossing into Mexico you must have Mexican Auto Insurance.  It's fast, easy and reliable at Mexican Insurance Store.  Simply enter your vehicle information, the dates of travel and choose the coverage you want.  It's good throughout all of Mexico and will be there for you if ever needed.  

©2016 Jim Foreman All Rights Reserved.

Family Vacations in Mexico

Story and Photos by Jim Foreman

Mexico is a fantastic vacation destination. Every day, over 100,000 people are presently visiting Mexico.

Mexico is a draw for many reasons. With the current exchange rate, the value for the US or Canadian family is, by far, the best in North America. Mexico’s beaches are warm and sunny when it’s cold and raining back home. Mexico’s cultural and natural history far predates the US and Canadian history with many spectacular sites throughout the country. Finally, Mexico caters beautifully to all age groups and has something for everyone.

Ok, most people reading this far probably already know most of this. 

For couples and newlyweds, few can argue with the luxury and amenities of the resorts near Cancun, all the way down the coast to Tulum, if a resort is desired.

For families wishing to travel together, airfare and ground transportation costs along with tourist priced meals can restrict many budgets.

Alternatively, a family can opt to jump into the family car and drive to their destination. A significant portion of the US population is within one day's drive to Mexico.

For many travelers to Mexico, the thought of driving within Mexico is completely foreign. The reality is that it’s easy, fun and as long as good sense and simple safety precautions are observed, quite safe.

Cabo San Lucas

One idea to consider for a family road trip is Cabo San Lucas on the southern tip of the Baja California peninsula. All along the southward journey, there are interesting sites and destinations worth enjoying. 

For example, a half-day spent in Guerrero Negro during the whale migration season can provide a very close encounter with these magnificent beings. Small skiffs can take you right out to touch the whales. The official whale watching season is December 15 to April 15. Book your whale-watching reservations in advance from a reputable operator.

Further south is Santa Rosalia which features a steel church thought to be created by Gustav Eiffel. Yes, the same Gustav Eiffel who built the Eiffel Tower in Paris. From Santa Rosalia, Mulegé and Loreto are excellent stopping points. 

Loreto has the distinction of being a Pueblo Magico. A designation for towns that are culturally preserved and significant, historically.
From Loreto, it’s about six hours drive to Cabo San Lucas. At Cabo San Lucas, one can enjoy a day of sportfishing or tanning on the beach, while kids can take surfing lessons. If planned with minimal thought, one can enjoy one set of sights going, and others returning making it a fabulous trip for everyone, both ways.

Mazatlán and Puerto Vallarta

Both Mazatlán and Puerto Vallarta make excellent family holiday destinations. Arguably, Puerto Vallarta has a wider variety of activities and attractions.  Fortunately, by car you can easily do both.
Mazatlán is approximately 11 hours driving from Laredo, TX or 14 hours from Tucson, AZ. If leaving from Laredo, TX, an overnight in Durango is not a bad choice. 

Durango features a very walkable colonial city center with many culinary options unique to the area. From Durango, the new highway takes you through a dozen tunnels and over the world’s tallest cable-stayed bridge on your way to Mazatlán. You’ll fell like you were transported to Austria while driving this road. 

From Tucson, Arizona, plan an overnight in San Carlos. It’s about an hour south of Sonora’s Capitol, Hermosillo. San Carlos features breathtaking terrain, in a tranquil setting. The water is shallow and warm in the Sea of Cortez. 

Malecón in Mazatlán

Once in Mazatlán, a cost conscious traveler will book a stay along the Malecón rather than the resorts along the Zona Dorado. The resorts are a bit crowded though they often feature some beautiful pools. On the Malecón, the beaches are typically less noisy. The smaller hotels offer the incredible views at a significantly lower price.

Mazatlán is known for fresh and tasty seafood.

Puerto Vallarta Malecón at night (Photo:Alejandro Cartagena)

Puerto Vallarta is about half-a-day south of Mazatlán. One can drive the main highway all the way down, but a wise traveler will veer off the main road before Tepic onto Highway 74 to San Blas. From San Blas, enjoy a scenic stroll southbound to Puerto Vallarta. Several stretches along the Riviera Nayarít feature small intimate resorts many Latin American celebrities frequent when on holiday. Typical sights of beaches all to oneself are common here.

Puerto Vallarta has two distinct sections. On the north end are the airport, cruise ship terminals, and luxury resorts. Further south, you find the charming old-town which features a great malecón or boardwalk and beach along with the charm of a real old-town. Walking about the streets is full of wonderful surprises.
Besides the beaches, mesmerizing nightlife on the malecón, and warm weather, Puerto Vallarta has some of the best canopy zip-line tours in all of Mexico. Just 45 minutes south of town is the Los Veranos Canopy Tour. It’s legendary and also features a natural river with waterslides you can jump into and swim in along with a charming restaurant.

Another tour one can book independently is a trip to Islas Marietas. Islas Marietas is a series of islands about an hour away by boat. One of these uninhabited islands features a hidden or secret beach. One has to swim through a cave to find this beach with the top of the cave open to the sun. Tours to Islas Marietas was recently halted due to damage caused by too many visitors. It’s since re-opened, but with a limited number of people who can visit on Saturdays only. This is one tour you must book well ahead of time.

There are considerably more destinations in Mexico that are family friendly.  They will be covered in future stories including Barrancas del Cobre (Copper Canyon).

To travel safely in Mexico, only drive during daylight hours. Don't be tempted to push further into the night, as you can in the US. Road hazards and livestock are impossible to see at night. Don't do it. Also, unless otherwise directed, stay on the main highways. Most of the are toll roads. For further information about Safety in Mexico, please read this informative article.

Family road trips don’t have to be arduous or stressful. There is plenty to see and do along the way. The shared overland experience, along with the discovery and understanding of a warm and vibrant culture make for lifelong memories.

To travel by car into Mexico, each member of your party must have a passport or passcard. Passports are not an option. Also, make sure to get appropriate visas and if traveling outside of Baja California or the Hassle-Free Zone in Sonora, your Temporary Vehicle Import Permit (TVIP). Get your TVIP at the same place you get your visa.

Lastly, you must have quality Mexican auto insurance. The best place to shop, buy, and print your policy is Mexican Insurance Store.
©2016 Jim Foreman All Rights Reserved

Money and Mexico

Best Ways to Pay in Mexico

Story by Jim Foreman

The second most often asked question, after safety, about visiting Mexico is, “How do I pay for things in Mexico?”

Many seasoned travelers know the answer to this, quite handily. Despite that, it is surprising and often alarming how much bad advice is bandied about by people who claim to be knowledgeable in this matter.  Before doing anything, it's wise to know the current exchange rate between Mexican Pesos and US Dollars.

Here are some common questions with some straight forward answers.

1) Can’t I just pay with US Dollars in Mexico?

Yes, you can in border and tourist areas, but that is foolish on many levels. First, As of this writing, the current exchange rate is over $19MX Pesos for $1USD. When you pay with US Currency, you are subject to the exchange rate decided by the individual vendor. That may be $17MX, $15MX or when dealing with especially unscrupulous sellers, as little as $10MX per $1USD.

The further south you travel south of the border, the less welcome US currency is until you hit tourist spots and are again subject to the whims of the individual vendor.

There’s also a ‘respect’ aspect to using the local currency. You show whomever you are dealing with that you are not an arrogant traveler, and that rip-off exchange rates won't fool you. Bargaining is much easier in Pesos, too.

2) Can I pay with my Credit Card for everything?

Credit cards are being accepted more and more by Mexican merchants. Many hotels, gas stations, supermarkets, medium to upscale restaurants and larger stores gladly accept credit and debit cards.

There are several problems with this approach. First, is that the credit card terminals and data network are often subject to outages and sometimes simply don’t work.

Second, most banks charge an International Transaction Fee between 2% and 3% of the total amount, per transaction.  That said, a few don't.
An excellent compilation of credit cards that do not charge this fee can be found at CreditCards.com.
Notably, Discover and Capital One do not charge an International Transaction Fees and the exchange rates are very favorable to the cardholder.  Some of their cards also offer rewards.  Shop carefully for the right credit card offering.

Sometimes your bank credit card won’t work despite calling them ahead of time to give a travel notice. Banks are still quick to throw fraud holds on your card until you can sort out the problem. Even then, there’s no guarantee it will work. Have a backup.

For large purchases like premium hotel rooms, excursions, or a large group meal, it may not be a bad idea to use your credit card. Only use it sparingly.

If using your credit card, do not let it out of your sight. Often restaurants will bring a wireless credit card terminal to you for the transaction. If not, discretely go to the cashier and handle the transaction.

3) Can I get Pesos at my bank before leaving for Mexico?

Getting Pesos from your US or Canadian bank is often a horrible idea. US Banks are the biggest rip-offs when doing currency exchange. They will offer 40% to 50% of the actual value of the money. Don’t do this.

4) Should I exchange US Dollars at one of the money exchange places when crossing the Mexican Border?

You can. The buy and sell exchange rates are often displayed on a LED sign or posting in the window. Rates do vary from one currency exchange center to another.

Almost always, the exchange rates will be better in Mexico than the US. Make sure you see the amount on a calculator or register tape and confirm the exchange rate is the same as advertised before handing your dollars over.

Count with the cashier and then count again before leaving the window to verify you received the right amount. Once you exit the window, there is zero recourse for an incorrect amount given.

In Mexico, there are often runners or porters outside Cambio or money exchange places along busy thoroughfares. Most are honest. It’s best to go up to the window, in person. If you use a porter, it’s customary to give a small tip for their service. $10MX up to $20MX is a right amount.

5) Can’t I simply use an ATM and withdraw Pesos?

Yes! In most cases, this is the best way to exchange currency, but there are some caveats.

Make sure you notify your bank with a travel notice the dates and countries you wish to visit. While you are on the phone with your bank, ask them what the Foreign or International Transaction fee is. Credit Unions typically offer the lowest Foreign Transaction Fee.  Certain banks like Charles Schwab Bank have zero foreign transaction fees and zero ATM fees.  Accounts are very easy to setup and transferring between bank accounts is painless and quick.

When you are in Mexico, only use a bank branch ATM. Go to a bank in Mexico, and use their ATM. Use the ATM only during the day and preferably during business hours as there is often a guard on duty. Do NOT use an ATM at night.

Physically check for any tampering where you insert your card. Grab, with some force, around the card slot to make sure there are no installed card skimmers. This technique is also good advice in the US or any country.

Different banks have different out of network ATM Fees. Making a larger withdrawal typically negates the differences in these charges.

6)Are there any other ways to exchange US Dollars to Mexican Pesos?

Yes there are.  New services like Xoom.com allow you to link your bank account to its service.  If you plan ahead, you can arrange for any denomination to be transferred to Xoom.com where you can pick it up at specific bank locations in Mexico.  The cost for the transfer is extremely low and there is no foreign transaction fee.  You also don't have to use an ATM as you must walk into a bank branch or retailer and present proper credentials and ID.
Services like Xoom seem better suited for long term visitors to Mexico and part-time or full-time ex-pat residents.  It can be used by anyone with a Xoom account and a bank account.  Xoom is a PayPal service.


7) What’s the best way to pay for things in Mexico?

Collect any Pesos from previous trips. It’s good to have a little bit on you when you cross, but it’s not necessary. It's also wise to bury a $100US bill, where you can get to it, just in case.

If you have US Currency you need to exchange, do it on the Mexican side. Look at the signs posted for the Buy or ‘Compra’ rate. That’s how many Pesos they will give you for each dollar. Find one with close and easy parking and exchange your cash.

Ideally, go further into town and find a bank. Park and go to the ATM and withdraw $6000-$8000 Pesos. That’s between $320 and $440 US Dollars. That should last you three to five days depending on your spending habits. Don’t count your money at the ATM. Quickly stuff it into your pocket and retrieve your card. Make sure the transaction is complete.

Alternatively, If you have previously arranged a Xoom transfer, you can go into a participating bank branch, wait in line and withdraw your Pesos.

Distribute the large stack of Pesos you received later. For now, get in your vehicle and drive off.

If for any reason the ATM fails to dispense the currency, collect whatever receipt you can and take it up with your bank.  Your bank should be very good at handling this.  Usually it involves filling out a one-page form and in a couple days, the money is returned to your account.  Don't try the same machine with another card.  It's probably out of money.  Go to another bank and try it again.

When you can discretely do so, put about $400MX in small bills in your wallet. Take out all credit and ATM cards you don’t plan to use actively. Distribute the rest in a couple of places. Have a couple $500MX notes handy for fuel fill-ups as it will cost between $800MX to $1200MX to fill up your car or RV. It’s between $200MX and $300MX to fill up a motorcycle.

Place the bulk of your cash in a place you would know but may be unusual. It could be an inner zippered jacket pocket. Also, consider in a pants pocket inside your luggage.

Don’t flaunt your cash. Be discreet when making purchases. A good salary for many Mexicans is $300MX/day. Please keep that in mind.

Lastly, please don’t keep your wallet or anything of value in your back pockets. Those are the easiest to pick. You don’t need a money belt or other contraption. Just use similar caution as you would back home.




Traveling in Mexico is fun, exciting and full of music, color, and wonder. You must have Mexican Auto Insurance. It’s the law. It's simple to go online, shop, buy and print an A+ rated policy at Mexican Insurance Store. It’s quick, easy and will be there for you if ever needed.

©2016 Jim Foreman  All Rights Reserved.

Crossing Back Into the USA

Story and Photos by Jim Foreman

A road trip to Mexico is typically filled with wonderful memories, great photos, and fun stories.

The only disappointing aspect is crossing back into the USA.  Wait times can be long and arduous.  Lanes are closed with little notice, it can be hot, and everyone is more than ready to get through and back home.

Border wait times vary from minutes to hours depending on the day, hour and if you have special privileges.  
Most often, the longest wait times are on the weekends.  If you can arrange to return on a Monday Morning, you'll find the wait times dramatically less.  Sundays or Mondays on a 3-day weekend will always be the worst.


Before you enter the line to cross back into the USA, make sure you have at least half a tank of fuel in your gas tank.  If there is an unusually long wait, you may run out of fuel before making it across the border.  Enterprising Mexicans will try to help you by getting fuel for you, while waiting in line.  Expect to pay a premium for this delivery service.


Make sure all legal documents are accounted for such as passports, US Visas, and US Resident Alien cards.

INM Mexican Tourist Visa

Find out where you return your Mexican Tourist Visa and Temporary Vehicle Import Permit (TVIP). If you only traveled in Baja California (North and South) or the Hassle Free Zone in Sonora, you do not need a TVIP.  If you did travel outside these areas, you must have one. 

In most cases returning the Visa and TVIP is at the same place you received your Mexican Tourist Visa and TVIP.  

Please don't forget to do this.  Failing to return a Mexican Tourist Visa can make future entry into Mexico very difficult and possibly costly.  Neglecting to turn in your TVIP before the expiration date will cause you to forfeit your deposit and have extreme difficulty and cost if trying to acquire a future TVIP.  

Sonora Hassle Free Zone.  No TVIP needed.

TVIPs must be canceled out in Mexico.  You can not do this at any location in the USA.  Additionally, the vehicle must be present, and the VIN must be verified to be canceled out.  Your deposit will be issued immediately or will be immediately credited back to your credit card.

If using the Frontera or Border crossing in Tijuana, it is very difficult to find the location to return your Mexican Visa and TVIP if previously traveling on the mainland.  It may be better to do this in Ensenada.  

If you are in Tijuana, the Banjercito is found here.

In Mexicali, you will find the Banjercito on the east end of town here.  It's usually an easier crossing, too.

For smaller crossings, you can find the Immigration and Banjercito at or near the incoming border crossing into Mexico.  

Once you have fueled up, accounted for all the entry documents, and returned any visas and TVIPs, it's a wise idea to find out how long border wait times are.  

You can go on your mobile phone to the Customs and Border Protection Current Wait Times Page.  Additionally, you can download and install a Smartphone App for iPhone and Android from this page.

Savvy travelers who frequently cross the border will opt for a SENTRI Pass. According to the Customs and Border Protection: The Secure Electronic Network for Travelers Rapid Inspection (SENTRI) is a U.S. Customs and Border Protection (CBP) program that allows expedited clearance for pre-approved, low-risk travelers upon arrival in the United States. Participants may enter the United States by using dedicated primary lanes into the United States at Southern land border ports.

To apply for a SENTRI pass, you first have to create an account on the GOES site. From there, fill out the application, pay the fee and schedule an interview. It's quite simple. When you have a SENTRI pass, you can use the lanes designated for SENTRI to dramatically speed up your return to the US.

When traveling in Mexico, you must have Mexican Auto Insurance for your Auto, Motorcycle or RV. Get quality Mexican insurance from Mexican Insurance Store. It's simple. Enter your vehicle details, choose a carrier, buy and print out your policy. All in about 5 minutes.
©2016 Jim Foreman  All Rights Reserved