Travel Insurance for Costa Rica: Best Options to Buy Online

Written and researched by Michael Kays (Travel Insurance Expert) | Fact Checked by Danya Kristen (Insurance Agent).

Costa Rica is a paradise for nature lovers and adventure seekers alike, with its lush rainforests, stunning beaches, and rich biodiversity.

But before you pack your bags and embark on an unforgettable journey, it’s essential to make sure you’re covered with the right travel insurance.

This comprehensive guide will help you navigate the process of choosing the best travel insurance for your Costa Rican adventure.

Understanding the Need for Travel Insurance

While Costa Rica is a relatively safe destination, unexpected events can still occur, such as accidents, illnesses, or lost baggage.

Travel insurance provides a safety net for these situations, ensuring you don’t have to bear the financial burden alone. It can cover medical expenses, trip cancellations, lost or stolen belongings, and more.

Recommended Plans

✅ Atlas America

Up to $2,000,000 of Overall Maximum Coverage, Emergency Medical Evacuation, Medical coverage for eligible expenses related to COVID-19, Trip Interruption & Travel Delay.

✅ Safe Travels Comprehensive

Coverage for in-patient and out-patient medical accidents up to $1 Million, Coverage of acute episodes of pre-existing conditions, Coverage from 5 days to 364 days (about 12 months).

✅ Patriot America Platinum

Up to $8,000,000 limits, Emergency Medical Evacuation, Coinsurance for treatment received in the U.S. (100% within PPO Network), Acute Onset of Pre-Existing Conditions covered.

The Costa Rican Healthcare System

Costa Rica has a high-quality healthcare system, with both public and private options available. However, public hospitals can be crowded, and private facilities are more expensive.

As a tourist, you’ll likely want to use private healthcare providers for better service and shorter wait times.

Travel insurance can help cover these costs, ensuring you receive the best possible care without breaking the bank.

Types of Travel Insurance for Costa Rica

  1. Single Trip Travel Insurance:
    Ideal for one-time trips, this type of policy covers you for a specific duration in Costa Rica. It’s perfect for short vacations or business trips.
  2. Multi-Trip Travel Insurance:
    Frequent travelers may opt for this policy, which covers multiple trips within a year. It’s cost-effective for those who visit Costa Rica often.
  3. Long-Term Travel Insurance:
    If you plan to stay in Costa Rica for an extended period, this policy is tailored to cover your needs.
    It can be customized to include additional coverage, such as dental or optical care.
  4. Adventure Sports Coverage:
    Costa Rica offers a wide range of outdoor activities, like zip-lining, surfing, and white-water rafting.
    If you plan to participate in any of these, make sure your policy includes adventure sports coverage.

Factors to Consider When Choosing Travel Insurance for Costa Rica

  1. Comprehensive Medical Coverage:
    Ensure your policy covers medical expenses, including emergency evacuation, hospitalization, and repatriation.
  2. Trip Cancellation and Interruption:
    Unforeseen events like natural disasters or personal emergencies can force you to cancel or cut short your trip. A policy with cancellation and interruption coverage can help minimize financial losses.
  3. Baggage and Personal Belongings:
    It’s essential to protect your valuables against theft or loss. Choose a policy that offers adequate coverage for your belongings.
  4. Provider Reputation:
    Research various insurance providers and read reviews from previous customers to ensure you’re choosing a reputable company.
  5. Price:
    Compare different policies and consider the coverage they offer. Don’t just go for the cheapest option; make sure it provides the protection you need.
  1. World Nomads:
    Known for its comprehensive coverage and flexibility, World Nomads is a popular choice among travelers. It offers policies that cover adventure sports and can be purchased even after departure.
  2. Allianz Travel Insurance:
    Allianz offers various policies tailored to your needs, including single trip and annual multi-trip plans. It has a strong reputation for reliable coverage and excellent customer service.
  3. Travelex Insurance:
    Travelex provides customizable policies with options for medical, trip cancellation, and baggage coverage. It also offers a 24/7 assistance hotline for emergencies.


Travel insurance is a crucial aspect of planning your Costa Rican adventure. It offers peace of mind, knowing you’re protected against unforeseen events. Take the time to research and compare policies to find the best coverage for your needs.

Then, you can focus on enjoying the incredible experiences that Costa Rica has to offer.


Q: Is travel insurance mandatory for Costa Rica?

A: As of August 1, 2020, travel insurance is mandatory for tourists entering Costa Rica.

The policy must cover COVID-19 medical expenses and accommodation in case of quarantine.

Q: Can I buy travel insurance after arriving in Costa Rica?

A: While some providers, like World Nomads, allow you to purchase a policy after arrival, it’s generally better to secure travel insurance before departing for your trip.

This ensures you’re covered from the moment you leave home.

Q: What should my travel insurance cover for a trip to Costa Rica?

A: Your travel insurance should include comprehensive medical coverage, trip cancellation and interruption, baggage and personal belongings protection, and coverage for any adventure sports or activities you plan to participate in.

Q: How much should I expect to pay for travel insurance for Costa Rica?

A: The cost of travel insurance varies based on factors like your age, trip duration, and the level of coverage you choose.

On average, you can expect to pay around 4-10% of your trip’s total cost for a policy.

Q: How do I make a claim on my travel insurance policy while in Costa Rica?

A: In case of an emergency, contact your insurance provider’s assistance hotline immediately. They will guide you through the process of making a claim.

Keep all receipts, medical reports, and documentation related to your claim, as you may need to submit them for reimbursement.