Blessed with pristine white sand beaches and lush tropical rainforests, Costa Rica beckons international travelers. If you’re from the U.S. and planning a Costa Rican escape, understanding the evolving travel insurance requirements in the post-COVID-19 era is crucial.
Do I Need Travel Insurance for Costa Rica?
While as of April 1, 2022, U.S. citizens and permanent residents don’t need travel insurance for entry, having one offers peace of mind. Here’s what you might consider:
- Cancel for Any Reason (CFAR) Coverage: Gives you the freedom to claim partial reimbursements, covering broader situations than standard policies.
- Gear Theft Protection: Safeguards your valuables like digital cameras and passports against theft during travel.
- Medical Emergency and Evacuation Insurance: Essential if visiting Costa Rica’s rural areas, ensuring quality medical care and covering evacuation costs if needed.
- Rental Car Coverage: Crucial for those driving in Costa Rica, covering potential accident costs.
- Trip Cancellation Insurance: Provides reimbursements for nonrefundable expenses, from flights to hotel bookings, given a valid cancellation reason.
Cost of Travel Insurance:
Based on a seven-day trip costing $3,000, here are some quotes from September 2022:
- Allianz Travel – OneTrip Basic: $111
- GoReady – Choice Plan: $53
- Seven Corners Travel Insurance – RoundTrip Basic: $92
- Travelex Travel Insurance – Travel Select: $125
- Trawick International – Safe Travels Voyager: $111
Your insurance cost varies based on trip cost, coverage amount, medical coverage, and age.
Getting Travel Insurance:
Before buying, know your existing coverages, like health and credit card insurance. Prioritize your needs, such as trip cancellation or medical evacuation, when comparing policies.
Costa Rica Safety Tips:
- COVID-19: Follow CDC guidelines, ensure vaccinations are up-to-date, use masks in crowded places, and consider a pre-travel negative test.
- Crime and Safety: Beware of petty thefts in tourist areas. If faced with robbery, don’t resist, and contact the U.S. Embassy in San José for assistance.
- Tours and Excursions: Book through credible sites, and when insured, your provider might recommend reputable local operators.
