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Costa Rica is an incredible and unforgettable destination everyone should visit at least once. Once you go once, you’ll likely want to go back repeatedly.
Many visitors return to visit Costa Rica year after year because they quickly fall in love with this country. As with any travel, visiting Costa Rica comes with risks. So, what’s the best travel insurance for Costa Rica? Although Costa Rica is a very safe place to travel, as with anywhere, it’s wise to get travel insurance before you go.
Lots of things can happen on any vacation, and you want to be covered for things like travel delays, trip cancellation, trip interruption and lost luggage no matter where you travel to ensure that you have the best time you possibly can on your trip, worry-free.
Another important reason to get travel insurance when you travel anywhere is to ensure that you are covered for any illnesses or accidents you may experience while traveling. These problems can happen anywhere but may be more common in certain countries like Costa Rica.
The reasons for this are common sense. In Costa Rica, there are many insects and wild animals, and adventure sports are common activities for tourists in this part of the world.
Costa Rica offers excellent medical care for its citizens and visitors, but no one wants to return home after a wonderful trip with a massive medical bill.
- Best Travel Insurance for Costa Rica by Category
- Best Travel Insurance Providers
- 1. SafetyWing – Great for Health Insurance and Remote Workers
- 2. RoamRight – Two Great Plans Plus Add-Ons
- 3. Insured Nomads – Simple Insurance for All Types of Travelers
- 4. AIG Travel Guard – Perfect Plans for Older Travelers
- 5. Allianz Travel Insurance – Choose Your Own Adventure
- 6. World Nomads – Great for Digital Nomads
- Best Travel Insurance Brokers and Marketplaces
- 1. TravelInsurance.com – Fewer Options = Less Overwhelm!
- 3. SquareMouth – Dozens of Policies With Easy Comparison
- 4. InsureMyTrip – Many Options for You
- 5. VisitorsCoverage Travel Insurance – Reliable Offerings for All Travelers
- Does my health insurance work in Costa Rica?
Best Travel Insurance for Costa Rica by Category
|Best Overall Travel Insurance||iTravelInsured Travel LX|
|Best Travel Medical Insurance||CoverAmerica – Gold®|
|Best Budget Travel Insurance Option||RoundTrip Basic Economy|
|Best Large Travel Insurer||Travelex|
|Best Coverage Options||VisitorsCoverage|
So, if you’re looking for travel insurance to cover your upcoming trip to Costa Rica but are having trouble deciding between the many companies and policies available, you have come to the right place.
This informative post, we’ll review all the travel insurance plans available. This will make it easy to compare and contrast their offerings and help you find the best travel insurance for Costa Rica. Read on to learn all about them.
Best Travel Insurance Providers
Many people choose to buy their travel insurance directly from an insurance company. This is an excellent strategy if you know what types of coverage you seek and need.
Most companies offer at least two or more levels of insurance plans, so you can choose the one that suits you best. Some offer add-ons, so you can add things like rental car coverage and extreme sports if they aren’t included in your chosen policy.
1. SafetyWing – Great for Health Insurance and Remote Workers
Step into the new world of secure travel with SafetyWing – your trusted companion for your globetrotting adventures. Crafted for the modern voyager, SafetyWing redefines the travel insurance industry with its innovative approach.
For many, Costa Rica’s exotic beaches, lush rainforests, and lively culture are a beacon for unforgettable travel experiences. However, even in such a paradise, ensuring your safety with reliable Costa Rica travel insurance is wise. That’s where SafetyWing shines and steals the show with its exceptional coverage and affordability.
SafetyWing is not your standard travel insurance; it is a game-changer. This travel insurance offers comprehensive protection that spans medical emergencies, trip cancellation, lost luggage, and even unforeseen incidents that might occur during your stay in Costa Rica. Furthermore, it extends its coverage worldwide, making it an ideal choice for those spontaneous side trips to neighboring countries.
One of the standout features of SafetyWing is its flexibility. Catering to the needs of both short-term vacationers and long-term digital nomads, it offers the ease of purchasing and extending your insurance from anywhere worldwide, even after your trip has commenced. This real-time convenience sets SafetyWing apart, making it the pinnacle of Costa Rica travel insurance.
The most astonishing aspect of SafetyWing is its unique community-oriented outlook. With each policy, a portion of the funds goes towards global projects, making every SafetyWing holder a participant in creating a safer, more inclusive world. Now isn’t that a brand you’d love to align with?
In a nutshell, SafetyWing is a robust, flexible, and ethical travel insurance solution that prioritizes your safety without compromising on the thrill of your adventure. So when planning your trip to Costa Rica, remember, there’s more than just beautiful landscapes awaiting you – the peace of mind that comes with SafetyWing. Choose SafetyWing – your reliable Costa Rica travel insurance, and let the Pura Vida vibes flow worry-free. Read more about the platform in our full SafetyWing review.
2. RoamRight – Two Great Plans Plus Add-Ons
This company, RoamRight, is more like SafetyWing than InsureMyTrip, TravelInsurance.com, and VisitorsCoverage because it is an actual insurance provider rather than a provider and policy comparison site.
If you like the prices and policies you see on the RoamRight site, you’ll buy your Costa Rica travel insurance from RoamRight directly, and RoamRight will be the company you are covered with. RoamRight Travel Insurance is underwritten by its parent company, Arch Insurance Company, which offers other types of insurance beyond travel insurance.
Two RoamRight Plans to Consider
When we initially searched this site for an imaginary trip to Costa Rica, we immediately ran into a snag. Our first search yielded zero results because the sample dates we inputted were too close to the present date. RoamRight requires that your trip be at least twenty-one days away if you wish to buy their insurance.
Once we changed the dates to a month from now rather than next week, the site gave us two plans from which to choose: the Pro Plan and the Pro Plus Plan. The difference in price for a weeklong trip was only a few dollars. And the coverages were much better in most categories with the Pro Plus Plan, so it is worth choosing the higher-level plan.
Both plans offer the same coverage in several categories, though. You can be reimbursed up to $500 for itinerary changes on both plans and up to $500 for a missed connection. On your outward journey, you’ll also get $300 on both plans for a luggage delay of over twelve hours.
All other coverages are better on the Pro Plus Plan. For example, for standard trip cancellation insurance coverage, there’s a ceiling of $15,000 on the Pro Plan, but there’s no top limit on Pro Plus.
For trip interruption insurance, you’ll get 100% of your trip cost on the Pro Plan, but you can receive up to 150% of your cost with Pro Plus. If your trip is delayed, you’ll get $150 a day up to $600 on Pro but $200 a day up to $1000 on Pro Plus.
Furthermore, Pro Plus covers up to $50,000 for emergency medical coverage versus $25,000 on the Pro Plan. It offers double coverage on emergency evacuations as well. Accidental death and dismemberment are not covered on the Pro Plan, but it is on Pro Plus.
Furthermore, if you’re only looking for rental car damage or medical coverage, you can buy these things as standalone policies from RoamRight. And, if you travel often or long-term, RoamRight offers annual travel insurance plans, too – for a very affordable price compared to their shorter-term rates.
RoamRight is a high-quality travel insurance coverage provider that is a great alternative to World Nomads if you want more options to tailor the plan specifically to you and your needs. Want to learn more? Read our full RoamRight travel insurance review for more information.
See Related: Is Costa Rica Safe to Visit?
3. Insured Nomads – Simple Insurance for All Types of Travelers
Despite the similar name, Insured Nomads is not affiliated with World Nomads. Nationwide Insurance underwrites World Nomads insurance, and RoamRight is a subsidiary of Arch Insurance Company. In contrast, Insurance Nomads is a completely independent travel insurance company and brand new to the scene.
It offers travel insurance for short-term trips, global health insurance for people traveling long-term and living abroad, and group insurance for companies that send their staff to other countries to work. However, this post is about short-term trip insurance coverage for Costa Rica, so we’ll continue to focus on that.
When visiting Costa Rica, most of our readers’ international travelers purchase travel insurance to ensure they are covered for emergency medical expenses, travel delay benefits, trip cancellation insurance, emergency medical evacuation, and so on for a short vacation. But know that Insured Nomads also offers coverage for the travel situations described above if they apply to you.
One Comprehensive Insure Nomads Plan for Your Costa Rica Trip
Insured Nomads Travel Insurance differs from World Nomads or RoamRight as it includes almost everything in its standard World Explorer plan. Its policy comes with relatively high coverages – instead of offering multiple plans to choose from or add-ons. Instead, you can choose a higher deductible to lower the cost of your coverage if you wish.
This policy offers up to $2,000,000 maximum benefits for people under 69. It also includes some things that other companies don’t. For example, Insured Nomads offers cybersecurity coverage, mental health support, and telemedicine visits. If you travel with Fido, you’ll also be covered for pet evacuation. You’ll even get airport lounge access in over 1,300 airports worldwide.
Of course, you’ll also be covered for all emergency medical expenses, including emergency vision and dental, emergency medical evacuation, and repatriation of remains.
Coverages include trip interruption insurance, accommodations or evacuation in the event of a natural disaster, lost luggage, and personal liability, just like the other providers listed above.
You will have to add on adventure sports and marine activities, but since not everyone participates in these sorts of things, including them as add-ons makes sense. There are several countries for which Insured Nomads do not offer coverage, which are listed on their site.
None of them are surprising omissions. Costa Rica is included with no limitations. And, if you wish to stay on your trip to Costa Rica longer than you originally planned, extending your coverage online is easy.
Insured Nomads is a great choice for travel insurance and has an A Rating from the Better Business Bureau. With this company, you’ll have peace of mind during your trip. Insured Nomads cover every problem you may encounter in Costa Rica. You’ll have to choose a deductible; a zero deductible is available if that’s what you want.
4. AIG Travel Guard – Perfect Plans for Older Travelers
AIG Insurance offers all kinds of insurance. The company’s Travel Guard program exists for short-term travelers going on vacation. You’ll likely find that its coverage will be excellent for your trip to Costa Rica.
Three AIG Travel Insurance Plans to Consider
This company offers three main plans for short-term travel insurance. The Essential Plan is AIG Travel Guard’s budget plan. The Deluxe Plan offers the most comprehensive coverage. Most people choose AIG’s Preferred Plan, right in the middle.
All of these plans include coverage for emergency medical expenses. Since travel medical insurance is a primary reason for people to buy travel insurance for Costa Rica, this is very important. All three plans include $500 for emergency dental coverage.
For emergency medical expenses, you’ll be covered for up to $100,000 on the Deluxe Plan. The coverage is up to $50,000 on the Preferred Plan, but you’ll only be covered for up to $15,000 on the Essential Plan.
As for standard trip cancellation insurance, you’ll be entitled to 100% of your trip cost on all three plans. For trip interruption insurance, you’ll get up to 150% back on the two higher plans or 100% on the Essential Plan. If your trip is delayed, you’ll get $200 a day on the two higher plans or $100 a day on the lowest.
All three plans also include varying levels of coverage for emergency evacuation, lost or stolen baggage, and baggage delay. They all include a $30,000 payout for accidental death or dismemberment. If you want car rental damage coverage, you can get that as an add-on for an additional price.
…Plus One Last-Minute Plan
Consider the Pack N’ Go Plan if you’re looking for last-minute coverage before departing. This travel insurance plan does not include coverage for trip cancellation since the people who purchase it are about to depart.
However, it will cover you for emergency medical expenses and trip interruptions and offers trip delay benefits. You’ll be covered for all issues you might encounter once your Costa Rica trip is underway.
AIG Insurance is a reputable company nationwide in the United States. Their three-tiered insurance plans give travelers much flexibility when choosing travel insurance for their trip to Costa Rica or anywhere else they wish to go.
See Related: AIG Travel Guard Review
5. Allianz Travel Insurance – Choose Your Own Adventure
One last company to consider is Allianz. Don’t be put off by their odd spelling of what seems to be intended to be “alliance.” Despite this, Allianz is a well-known company that offers solid coverage that the BCS Insurance company underwrites.
In addition to three travel insurance plans for Costa Rica, this company also offers annual travel plans and standalone rental car insurance coverage.
Three Allianz Trip Insurance Plans to Consider
When we input our information for a quote for travel insurance for our imaginary trip to Costa Rica, Allianz came back to us with three different plans from which to choose.
The company’s OneTrip Basic Plan was affordable but offered much lower coverage limits than the medium-level plan (OneTrip Prime) or the highest-level plan (OneTrip Premier). The price jump to OneTrip Prime wasn’t massive, but the leap in price to OneTrip Premier was rather large. It may be cost-prohibitive for some travelers.
All three plans offer reimbursement if your trip to Costa Rica is canceled. They also include $2,000-$3,000 in reimbursement for trip interruption and $10,000 to $50,000 for emergency medical coverage.
Emergency transportation is also included with coverage up to $1,000,000 on the company’s most expensive plan. You’ll also be covered for baggage loss or damage on all plans, but you’ll only get $500 back on the OneTrip Basic Plan.
Baggage and trip delay benefits are also included at varying levels based on your chosen plan. All plans include the opportunity to upgrade to include rental car coverage for an additional fee.
Allianz Travel Insurance is a fine competitor to the other companies listed above. However, the cost does not match the coverage that you’ll receive.
It’s not a bad company to select, but you’ll enjoy better coverage when you buy travel insurance for Costa Rica from the other companies listed above and more bang for your buck, too.
6. World Nomads – Great for Digital Nomads
World Nomads travel insurance has been designed by travelers for travelers, with coverage for more than 150 activities as well as emergency medical, lost luggage, trip cancellation, and more. The company’s site is easy to understand and use.
You can get a quote on Costa Rica travel insurance in seconds, and you’ll likely be pleased with the price you see. Nationwide Insurance underwrites policies.
Two World Nomads Plans to Consider
When you enter your data into the World Nomads site for your trip to Costa Rica, you’ll be offered two different plans from which to choose. The Standard Plan and the Explorer Plan are quite similar. The Explorer Plan offers higher coverage in some areas and activities that the Standard Plan does not cover.
Both plans offer emergency accident and sickness medical coverage, including emergency dental care. They also include non-medical emergency transportation and baggage delays on your outward journey. Limits on these coverages depend on the origin country and the specific policy chosen.
These plans may also cover emergency evacuation, trip cancellation, trip interruption insurance, trip delay, lost baggage, repatriation of remains, and accidental death and dismemberment. Coverages are higher coverages in all categories on the Explorer Plan.
In most cases, the Standard Plan will be plenty for most travelers. The Standard Plan covers not only the above but also most of the active activities you might try on your trip.
However, if you plan to engage in certain specific and sometimes dangerous adventure sports during your trip – such as free diving, rock climbing, deep water scuba diving, or sky diving – you should splurge for the Explorer Plan.
Another bonus of the Explorer Plan is that it covers some rental car damage. Rental cars are often damaged in Costa Rica due to various road hazards, so this coverage is important if you rent a car.
The Standard Plan does not offer any rental car coverage at all. However, if you want to rent a car in Costa Rica but still want to stick with the Standard Plan, you can buy separate insurance coverage from the rental agency.
Or, you can reserve and pay for your rental car with a credit card that includes rental car coverage among its benefits. Read our full World Nomads Insurance Review if you’d like to learn more about their offerings.
Best Travel Insurance Brokers and Marketplaces
Many travelers, especially those purchasing travel insurance for the first time, might not know where to begin when shopping for insurance. That’s where insurance brokers and online comparison marketplaces come in handy.
These sites will show you multiple different plans offered by several providers. You can compare them against one other on the results page or with a few simple clicks and then purchase insurance through the site.
TravelInsurance.com, VisitorsCoverage, InsureMyTrip, and Squaremouth are all examples of these sites. If you’re feeling overwhelmed when comparing individual companies, this is a great place to start and purchase your travel insurance.
1. TravelInsurance.com – Fewer Options = Less Overwhelm!
Like InsureMyTrip above, TravelInsurance.com is a travel insurance search and comparison website that will show you a variety of different plans from different providers.
Also, like the other sites described above, you’ll find a form on the main page to fill out with your travel information, including travel dates, destination, age, country and state of residence, and a few other things. Then, this site will give you personalized recommendations for travel insurance.
Our Insurance for Costa Rica Results on TravelInsurance.com
When we requested a quote on TravelInsurance.com for a trip to Costa Rica, we received far fewer results than when we did the same search on InsureMyTrip. However, the initial results screen included far more information than the same results page on InsureMyTrip.
Some might like this because it allows for easy comparison. TravelInsurance.com suggested policies from three providers: GoReady Travel Insurance, Trawick International, and Seven Corners Travel Insurance.
As with InsureMyTrip, you can filter these results further to match your needs and preferences. There are reviews of each company and policy for you to check out. TravelInsurance.com is an excellent travel insurance comparison website if you want to compare several companies but don’t want to be overwhelmed with too many suggestions.
See Related: TravelInsurance.com Review
3. SquareMouth – Dozens of Policies With Easy Comparison
One more travel insurance marketplace site that is worth checking out is SquareMouth. Again, you’ll enter information about your trip and yourself, and the site will give you many travel insurance companies and policies from which to choose.
Information about the insurance details for all the suggested policies is listed clearly on your results page, and you can do a side-by-side comparison of as many suggestions as you’d like with just a few clicks. You can filter the results based on specific policy features and plenty of reviews and ratings.
Our Insurance for Costa Rica Results on SquareMouth
A quick search using our imaginary Costa Rica trip search terms returned twenty-nine results. Like the other marketplace sites mentioned above, this search returned results from a number of different companies, including Trawick International, Seven Corners, AXA Assistance USA, Travel Insured International, General Global Assistance, and others.
We saw a large fluctuation in price among them, but they were proportional to the levels of coverage offered by each. Some policies were highlighted to indicate positive reviews by major publications like Travel Weekly and Forbes and included links to more information about their rankings.
SquareMouth is one of the best travel insurance marketplaces around. You’ll be offered various policies and a wide range of price points; you’ll likely find the right policy on this site.
4. InsureMyTrip – Many Options for You
InsureMyTrip is not a travel insurance company itself. Rather, this site asks you to input information about your travel plans and then returns a dozen options to compare from different insurance companies.
Some of the companies featured for Costa Rica on this site include Trawick International, Travel Insured International, General Global Assistance, WorldTrips, John Hancock Insurance Agency, Inc, and others.
Our Insurance for Costa Rica Results on InsureMyTrip
This site is easy to use and is a great place to start when you don’t know where to start. It’s user-friendly, and you’ll see the prices of each plan on the list along the righthand side of your screen.
There are also reviews from travelers of each insurance plan that often number in the hundreds for each. You can also filter the plans you see in the results based on the types of coverage that you seek and your specific needs.
Once you narrow your search, you can make side-by-side comparisons of plans that interest you and purchase insurance directly through InsureMyTrip. It’s so easy – you’ll love using this site to compare plans.
It will even give you specific recommendations for your chosen destination. On our quick search, InsureMyTrip recommended Trawick International’s Safe Travels Voyager and WorldTrips’ Atlas Journey Preferred or Premier plans for Costa Rica.
5. VisitorsCoverage Travel Insurance – Reliable Offerings for All Travelers
VisitorsCoverage is yet another travel insurance marketplace type of site. Although these policy and provider comparison sites are similar, they have subtle differences. You’ll likely settle on a personal favorite after trying each.
VisitorsCoverage puts its best foot forward on the main page by telling visitors that the site has an A+ Rating with the Better Business Bureau. Further, it also means visitors that the site offers the Best Price Guarantee and that you won’t find lower prices elsewhere. These factors are indeed a big draw for many.
Like InsureMyTrip and TravelInsurance.com, VisitorsCoverage asks the same questions about your trip and yourself to find quotes for your trip. On the site’s main page, partnerships are identified between VisitorsCoverage and reputable travel insurers such as Trawick International, Seven Corners, IMG Insurance, AIG Travel Guard, and John Hancock Insurance Agency, so you can expect to get results from some or all of those companies before you even fill out the form and hit submit.
Our Insurance for Costa Rica Results on VisitorsCoverage
Our initial search on this site returned fourteen policies, with all of the above companies represented at least once. This was more results than we received when we used TravelInsurance.com but still less than was shown in our search on InsureMyTrip. The prices of each policy were clearly stated on the main results page, as were the coverages for easy comparison.
However, unlike the other two marketplace sites mentioned above, there were no reviews of the policies by travelers. This may or may not be a dealbreaker for you; some people love reading reviews, while others ignore them altogether.
Otherwise, VisitorsCoverage is very straightforward and user-friendly, and there’s a chat feature on the site if you have any questions before purchasing insurance. Like what you are hearing? Read more in our full VisitorsCoverage review.
Does my health insurance work in Costa Rica?
No, U.S. health insurance typically won’t be applicable in Costa Rica unless it includes coverage for overseas travel. Hence, checking your policy’s terms and conditions before your trip is crucial.
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- About the Author
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Christy is was born and raised in upstate New York but she has lived in Denver, Colorado for the past decade with her partner, Billy, and their cat, Lucy. Traveling is her favorite thing to do in the whole world, but she also loves writing, reading, being outdoors, seeing live music, cooking, creating art in many mediums, napping, spending time with friends and family, and laughing heartily as often as possible.