The question comes up in every TN visa forum: "insurance that covers longer than a tourist policy". Tourist certificates exclude people who work in the US and cap stays at 30 consecutive days. Chubb's Extended Stay liability policy, issued by Timi, accepts "Work" as the reason and covers 90, 180 or 365 days for a car that keeps its Mexican plates.
Your visa and your insurance are separate
Your immigration status is defined by your visa; your insurance is defined by the real reason for the trip and how long you stay in a row. Declare "Work" and the length of your contract. Do not declare tourism to get a different rate: in a claim, the declaration is what counts.
What it costs
| Days | Tourist (trips of up to 30 consecutive days) | Extended Stay (work, study, US residence or more than 30 consecutive days) |
|---|---|---|
| 1 day | $12.50 to $15 | — |
| 7 days | $42 | — |
| 30 days | $85 to $91 | — |
| 90 days | $107 to $123 | $250 to $360 |
| 180 days | $160 | $438 to $640 |
| 365 days | $175 to $185 | $810 to $1,195 |
The one requirement
The policy is bought while the car is in Mexico, and coverage starts before you cross the border. You declare this when you buy. If your car is already in the United States, message the chat first so we can review your case before quoting.
Personal use versus commercial use
Driving to your job, to the store or on weekends is personal use and is covered. Carrying goods or passengers for payment is commercial use and is not covered by this policy.
How to get your exact price
In the Timi chat you give make, model and year, the driver's age, the state where you enter, the reason (tourism, work, study or resident) and the number of days. You see the price before entering any personal data; if you buy, the Chubb policy PDF arrives in minutes. Timi is the licensed agent (CNSF) and Chubb is the insurer.
Insurance for a Mexican-plated car in the USA · Living in the US with a Mexican-plated car · Mexican students · TN visa · Stays longer than 30 days · Quote in the chat