Travel Insurance for Costa Rica – Requirements and Cost

Costa Rica travel insurance may not be the initial thing you think about when preparing a trip to Costa Rica, however it should be.

At times, unexpected situations come up when you’re traveling, like canceled flights, sudden sicknesses, or lost baggage. If you have travel coverage for Costa Rica, you won’t have to worry about covering expensive medical fees or scrambling to buy a costly new plane ticket. Having travel insurance is the safest and most sensible way to travel and make sure that you’re protected no matter what occurs.

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When we traveled to Costa Rica recently, we utilized Heymondo insurance, and it met Costa Rica travel insurance standards completely. That, plus its extensive coverage for an affordable price, is why I consider Heymondo the best Costa Rica travel insurance.

There are also plenty of other great options for travel insurance to Costa Rica depending on what you’re seeking, so keep reading to find out more about Costa Rica travel insurance.

Do I need travel insurance for Costa Rica?

You may be questioning, Do I need travel insurance for Costa Rica? The answer is yes, you absolutely do.

First and foremost, travel protection is a entry requirement for Costa Rica. You won’t be able to enter the country without it, plus it ensures that any quarantine or COVID-19 therapy fees you incur in Costa Rica will be covered.

Additionally, ensuring travel protection is important regardless of destination. Unexpected events can occur anywhere. I`ve personally faced issues like being bitten by a monkey, contracting an amoeba, and misplaced luggage during trips. It was reassuring to have solid travel insurance covering such situations. Costa Rica is deemed one of the safest nations in Central America, but protection is still advised.

Costa Rica Travel Insurance Requirements

Requirements for travel insurance in Costa Rica are very straightforward. Tourists need to have travel insurance that:

• Is applicable for the duration of their stay in Costa Rica.

• Covers $50,000 USD worth of medical costs, like COVID-19 expenses. ($20,000 USD for Costa Rican insurance providers).

• Offers $2,000 USD worth of coverage for lodging expenses due to COVID-19 quarantine. We have a specific article where we compare travel insurance policies for quarantine.

This travel insurance for Costa Rica can be purchased from a Costa Rican insurance company or an international insurance company, like Heymondo or Trawick International.

If you purchase international insurance that aligns with travel insurance requirements for Costa Rica, you must have a certificate or letter from your insurance company that states, in either English or Spanish:

• The traveler’s name.
• That the policy covers COVID-19.
• The effective dates of coverage (dates of travel).
• Guaranteed minimum coverage of $50,000 USD for medical expenses, which includes COVID-19.
• Minimum coverage of $2000 USD for extended lodging fees, including quarantine or travel disruption.

Whichever insurance plan you end up choosing, you will need to include your healthcare details into the Costa Rican Health Pass form.

Heymondo’s policies satisfy all the requirements for Costa Rica travel medical care, so it is the best choice for Costa Rica travel protection.

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Costa Rica Travel Insurance Cost

Many different things can impact Costa Rica travel insurance costs. Your age, nationality, and location (if you reside in the US) can all affect the expense of your insurance. Likewise, the longer your trip, the more pricey the insurance; and the more costly your trip expense, the more pricey the insurance.

Consider all of these factors when you acquire travel insurance for Costa Rica, particularly if you want inexpensive travel insurance for Costa Rica.

For individuals seeking the most reasonably priced travel insurance for Costa Rica, choosing an international insurance provider rather than a Costa Rican one is advisable. Insurance companies based in Costa Rica ( INS,Sagicor) tend to charge more and offer less coverage, while foreign companies, particularly Heymondo, tend to provide lower-priced options.

How much is travel insurance to Costa Rica?

To compare costs associated with protection from financial burdens related to medical care during travel in Costa Rica, we are using the example of a 30-year-old American who is traveling to Costa Rica for two weeks and whose trip costs $2,500.

* Trawick covers 100% of insured trip expense up to $100,000. Insurance pricing varies depending on your submitted trip cost.

As the details indicate, neither INS nor Sagicor furnish $50,000 USD worth of medical coverage. That`s because the minimum medical coverage necessary from Costa Rican insurance agencies is $20,000 USD. Only international insurance agencies are mandated to offer no less than $50,000 USD worth of medical coverage. However, their costs are lower!

In terms of the policies we are analyzing here, Heymondo Premium is the most inexpensive Heymondo plan that satisfies Costa Rica travel insurance requirements, and it’s the most cost-effective travel protection in our comparison and the one with the maximum coverage.

INS provides two distinct options for travelers, so I selected the most affordable one. Sagicor has different options for families and groups, but since the example concerns an individual traveling to Costa Rica, I used the Individual Insurance for Tourists. Trawick’s Safe Travels Voyager plan is the sole Trawick plan for US citizens and residents traveling from the US.

Best Costa Rica Travel Insurance

So what is the best travel protection for Costa Rica? As you can observe from the comparison chart, Heymondo is the most inexpensive travel protection for Costa Rica and provides the broadest coverage for medical help, trip cancellation, and lost baggage. It also meets and exceeds Costa Rica travel protection standards. That`s why I consider it the preferred alternative for Costa Rica travel protection.

Best of all, you can lower the Heymondo insurance cost further using the discount link below.

Now let’s delve into each coverage provider and its plan choices.

1. Heymondo, the cheapest travel insurance for Costa Rica

Heymondo is undoubtedly the best travel insurance option for Costa Rica. Not only are they the most affordable travel insurance provider for Costa Rica, but they also offer the most comprehensive coverage for both medical and travel expenditures.

Their coverage for medical assistance and extended accommodation fees easily surpasses Costa Rica travel insurance requirements, plus their Heymondo Premium plan can be customized to include electronic device, adventure sport, and cruise coverage.

The plan already provides coverage for unexpected medical and dental expenses (like those related to COVID-19), medical transportation and repatriation, luggage, travel disruptions or cancellations, accidental death and disability, personal liability, and additional assistances.

Moreover, with Heymondo, you won’t pay any costs. Their application gives 24/7 client bolster, so in a crisis, you can simply contact the Heymondo group, who will direct you to the nearest medical clinic or specialist and handle all the costs for you.

Below is an example of what Heymondo Premium coverage would provide for a 30-year-old American traveling to Costa Rica for a two week period:

• Price: $79.23
• Deductible: $0
• Emergency medical coverage: $500,000
• Extended accommodation fees: two thousand two hundred fifty dollars
• Trip cancellation: $7,000
• Baggage loss: $2,500
• Health coverage: Testing/treatment

We have used Heymondo for years and they consistently deliver excellent customer service. Check our Heymondo travel insurance guide to learn more about my past experience using this insurance. And don’t forget that you can receive a discount on their policies simply for being a reader of our content.

2. INS, one of the most convenient Costa Rica travel insurance plans

INS is a great choice if you want to purchase your Costa Rica travel protection from a Costa Rican company. INS is the Costa Rican government’s insurance provider, and its plans are intended to meet travel insurance requirements for Costa Rica.

Purchasing from a Costa Rican company can undeniably be more convenient given that the only data required on the Health Pass form is your INS policy number. Moreover, INS offers the most affordable travel insurance for visiting Costa Rica through a Costa Rican organization, but it still costs nearly double compared to Heymondo.

INS provides two plan options, with one featuring significantly higher coverage but at a much greater price and the other cheaper but offering reduced coverage. In both cases, the scope of coverage is narrower than Heymondo’s plan. Still, both INS plans protect against accidental death, disability, repatriation, medical costs, and accommodation expenses and satisfy Costa Rica travel insurance requirements.

However, since INS’s plans primarily cover medical-related costs, INS is more of a travel health insurance for Costa Rica than it is travel coverage. If you want protection for travel-related expenses, such as lost luggage, trip cancellation, or trip delay, again, Heymondo is a better choice.

Below is an example of INS Option 2 coverage for a 30-year-old traveler from the United States visiting Costa Rica for a two week period:

• Price: $131.72
• Deductible: $0
• Emergency medical coverage: twenty thousand dollars
• Extended accommodation fees: $2,000

• Trip cancellation: Not covered.

• Baggage loss: Not covered
• Health coverage: Testing/treatment

3. Sagicor, another health insurance to travel to Costa Rica

Sagicor presents another excellent choice for medical insurance for travel to Costa Rica. They are a private Costa Rican insurance provider featuring numerous plans: Individual Insurance for Tourists; Individual Insurance for Tourists (over 70 years old); Family Plans for 2, 3, 4, and 5 People; and Lodging Plan.

Their plans are mostly medical-expense-focused and cover medical expenses, like medication; lodging expenses due to sanitary isolation; sanitary/funerary repatriation; medical expenses for pre-existing conditions; and passport loss.