The Essential Guide to Purchasing Travel Insurance for Costa Rica

Shawn Plummer

CEO, The Annuity Expert

The country’s unparalleled beauty awaits if you dream of a trip to Costa Rica. With its enchanting beaches, lush rainforests, and incredible wildlife diversity – why wouldn’t it be? However, before exploring this majestic land in Central America, make sure that you plan for travel insurance – an essential element not to miss when visiting Costa Rica! Travel insurance can provide peace of mind and financial protection in unexpected events such as accidents, illness, or trip cancellations. In this guide, we will explore the various aspects of travel insurance for Costa Rica and help you understand whether or not you need it.

Confused About Travel Insurance?

Need clarity on travel insurance? Discover the essentials in our Learning Lab. Your safe journey starts here.

What is travel insurance for Costa Rica, and why do you need it?

When traveling to Costa Rica, travel insurance is an invaluable asset that ensures you are covered for potential unfortunate events. From medical emergencies and trip cancellations to lost or stolen luggage – this type of insurance can give you the peace of mind of knowing that your finances won’t be negatively impacted if something goes wrong. So don’t leave home without it!

Costa Rica Travel Insurance

Is travel insurance required for Costa Rica?

While travel insurance is not legally required to enter Costa Rica, it is highly recommended. Costa Rica is a popular tourist destination; accidents or illnesses can happen anytime. Without travel insurance, you may be responsible for paying for medical expenses out of pocket, which can be costly. It is also important to note that basic travel insurance policies may not cover some activities, such as adventure sports.

How to get travel insurance for Costa Rica?

Getting travel insurance for Costa Rica is relatively easy. You can purchase travel insurance through various providers, including travel agencies, insurance companies, and online travel insurance brokers. When selecting a travel insurance policy, read the fine print and understand what is covered and what is not. Be sure also to check if your existing health insurance policy provides any coverage for international travel.

What to look for in a travel insurance policy for Costa Rica

When selecting a travel insurance policy for Costa Rica, there are a few key things to look for. First, ensure the policy covers medical emergencies, trip cancellations, and lost or stolen luggage. Also, check if adventure sports and other activities are covered, as some policies may exclude them. Finally, it is also essential to check the coverage limits and deductible amounts to ensure they are sufficient for your needs.

Costa Rica Health Insurance

What are the best travel insurance options for Costa Rica?

Many travel insurance options are available for Costa Rica, so knowing which one to choose can be challenging. Some popular options include World Nomads, Allianz, and Travel Guard. These companies offer a variety of policies with different coverage levels and price points. Therefore, it is essential to research each option and select the best fit for your needs and budget.

International Medical Group (IMG)

Whether you’re a jet setter, an adventurer, or just looking for peace of mind while traveling abroad, IMG will have the perfect policy to cover your needs. Offering medical emergency insurance, trip cancelation coverage, and protection against lost or stolen luggage, their extensive range of policies also includes adventure sports and activities – giving travelers full assurance on every journey. Not only this, but they provide excellent customer service and convenient online platforms so that all can be quickly taken care of.


Allianz is another popular travel insurance provider that offers coverage for Costa Rica. Their policies include medical coverage, trip cancellation coverage, and baggage coverage. They also offer optional coverage for adventure sports and activities.


GeoBlue, an insurance provider backed by Blue Cross Blue Shield, provides a variety of plans for travelers from all walks of life. From medical emergencies to trip cancellations and even missing luggage – GeoBlue has you covered. But that’s not all! They also provide extra coverage on certain adventure sports or activities if needed. Plus, GeoBlue offers top-notch customer service 24/7 in multiple languages, so you can always get the help you need when abroad!

Do I need travel insurance to go to Costa Rica?

While travel insurance is not legally required to enter Costa Rica, it is highly recommended. Without travel insurance, you may be responsible for paying for medical expenses out of pocket, which can be costly. It is also important to note that basic travel insurance policies may not cover some activities, such as adventure sports.

Next Steps

Travel insurance is an important consideration when planning your trip to Costa Rica. While it is not required by law, it can provide peace of mind and financial protection in case of unexpected events. When selecting a travel insurance policy, research the options available and select the one that best fits your needs and budget. Then, with the right travel insurance policy, you can enjoy your trip to Costa Rica with confidence, knowing that you are covered in case of an emergency.

Travel Insurance For Costa Rica

Request A Quote

Need help to find the best plan for your upcoming trip? No worries. Contact us below for a free quote.

The Annuity Expert – Travel Medical Insurance Inquiry

Frequently Asked Questions

Is travel insurance necessary for Costa Rica?

You must have the necessary travel insurance coverage when traveling to Costa Rica. Unvaccinated travelers visiting from the U.S. must secure at least $50,000 in medical insurance before departure. Additionally, budget accordingly, as an extra expense may occur for lodging should quarantine become necessary during your stay.

What travel documents do I need for Costa Rica?

U.S. citizens don’t need a visa to enter Costa Rica but must have an updated passport and one return ticket to exit the country within 90 days. This can be a flight back home or to another nation. Additionally, passports must remain valid for at least one day after entering Costa Rica.

Can I use my Medicare in Costa Rica?

Unfortunately, for those living in the United States and Canada, Medicare does not cover medical costs while staying in Costa Rica. However, suppose you have your residency status as a temporary or permanent resident there. In that case, you can receive care from Caja-run hospitals and clinics nationwide!

How much does travel insurance cost to Costa Rica?

The estimated rate per person for a single trip can range from USD 9.50 up to USD 21.50 – making it an affordable way of protecting yourself and your loved ones during travel abroad!

Do I need an international plan for Costa Rica?

Roaming is the only overseas choice unless you arrange a suitable plan beforehand. Though your domestic package states unlimited services, unfortunately, this usually does not cover roaming within Costa Rica.

*Disclosure: Some of the links in this guide may be affiliate links. I may receive a commission at no cost to you if you purchase a policy. It helps us keep the lights on!

Shawn Plummer

CEO, The Annuity Expert

I’m a licensed financial professional focusing on annuities and insurance for more than a decade. My former role was training financial advisors, including for a Fortune Global 500 insurance company. I’ve been featured in Time Magazine, Yahoo! Finance, MSN, SmartAsset, Entrepreneur, Bloomberg, The Simple Dollar, U.S. News and World Report, and Women’s Health Magazine.

The Annuity Expert is an online insurance agency servicing consumers across the United States. My goal is to help you take the guesswork out of retirement planning or find the best insurance coverage at the cheapest rates for you. 

Scroll to Top