Mexico - Insurance and Kit

All,

In a few weeks, my wife and I are going on holiday to Mexico. We have
just passed the PADI open water course, and as part of the course,
purchased the basic kit (mask, goggles, snorkel, wetsuites etc). 2
questions for the group...

1) Is it worth taking all the kit to Mexico if we want to dive (I dont
feel that comftable hiring a wetsuit that has been worn by lots of
other people)
2) Do we need special holiday insurance, or will our bog standard
insurance do (is Skuba diving termed a risk sport?)

Many thanks

John