Costa Rica Travel Insurance Requirements

What type of coverage is needed? How to choose the right travel insurer?

Travel Insurance Costa Rica

Costa Rica opened its border to all foreign visitors on November 1st.
In an effort to reactivate the country’s economy and maintain a controlled risk of infections due to COVID-19, Costa Rica established new entry requirements.
Travelers are required to complete Costa Rica’s electronic Health Pass and purchase COVID travel insurance to enter the country.

Currently, Costa Rica is not planning to mandate proof of coronavirus vaccine as a requirement for entry.

There are several travel insurances in the market. What plan covers you for expenses related to coronavirus?  What policy meets the requirements needed for entry to Costa Rica?

Here are some recommendations on what type of coverage is best for you.

Requirements to enter Costa Rica

• Complete digital epidemiological form “Health Pass”
This form asks for information on travel plans and request proof of travel insurance. This should be completed in the 48 hours before boarding.
It generates a QR code that you must show upon arrival; some airlines ask for it at check-in.

Purchase travel insurance
This can be either from an international company or purchased from Costa Rican insurers (the National Insurance Institute (INS) or Sagicor of Costa Rica). The policy must cover medical expenses or unexpected extended hotel stay due to COVID-19 for the duration of your stay in Cosa Rica.

Travel insurance requirements

• Policy must be valid for the entire stay of your visit
• If purchasing international travel insurance, the policy must cover medical expenses related to COVID of at least USD$50,000
• If purchasing from a Costa Rica insurer, the policy must cover medical expenses related to COVID for at least USD$20,000
• Policy must include coverage of USD $2,000 for extended lodging expenses due to the pandemic
• Visitors will be required to submit insurance information online by filling out the epidemiological form.
• If the visitor has a foreign policy, they must upload a PDF for validation in English or Spanish
• If the visitor has from a local insurer, they can type the policy number into the form for validation

What travel insurance offers COVID coverage?

Most travel insurance policies are designed to cover both you and the cost of your travel arrangements against a variety of unforeseeable reasons that may affect you or your travel plans.
These plans will cover you for trip cancellation or interruption; medical emergencies; baggage (loss, damage, or delay) or travel delay, and much more.

Regular travel policies do not cover you:
1. If you decide not to travel due to the fear
2. If the area you are planning to visit gets shut down due to a second COVID-19 surge.
3. If you travel somewhere that the State Department has deemed unsafe.
4. A pre-existing medical condition you have before your trip.

Even though your travel policy may cover most of the entry requirements established by Costa Rica, not all of them include the $2,000 minimum lodging extended stay due to COVID.
We recommend you speaking with an insurance representative or reviewing the policy documentation carefully to make sure you are meeting all the requirements before your trip.
Passengers who fail to comply with the Costa Rica entry requirements may not enter the country.

Safe Travels Voyager COVID Insurance 

If you are planning to travel to Costa Rica during the pandemic, be sure to add travel medical insurance that can help with medical costs if you contract COVID-19 while traveling.
Safe Travels Voyager meets all the insurance requirements for visitors to Costa Rica. This plan offers robust coverage for COVID-19, trip cancellation, trip interruption, trip cancellation, missed connections, medical evacuation, and more. Safe Travelers Voyager is the perfect companion for any traveler to Costa Rica.

Why Safe Travels Voyager?
This well-rounded plan includes benefits for COVID-19, emergency evacuation, and more. Safe Travels Voyager meets the extended lodging requirement by offering a trip delay benefit which includes accommodation. The $2,000 ($150/day) benefit is included in the plan with the option to upgrade to $4,000 ($300/day) or $7,000 ($500/day).

Who is eligible for the Safe Travels Voyager?
U.S residents who need trip cancellation benefits for travel within the USA and internationally.

If I cancel my trip because of coronavirus, will it be covered? If you have “Cancel for Any Reason” coverage and you cancel your trip within the limits of your contract, you will be covered. If you are planning on taking a trip in the near future, this kind of plan is prudent in case you need to cancel your trip.

 Is the plan cancelable?
You can cancel for any reason. You may cancel the insurance by given written consent within the first to occur of the following: (a) 10 days from the effective date of your insurance; (b) Your scheduled departure date. If you do this, the company will refund your premium paid provided no claim is under the policy.

Safe Travels Voyager Coverage 
-COVID-19 coverage included
-Optional Cancel for Any Reason (CFAR) benefit
-Trip Interruption and Delay insured up to 150% of trip cost
-Emergency Medical Evacuation up to $1 million
-Trip Delay coverage (including accommodation) options of $2,000, $4,000 and $7,000

Policy Brochure

What type of coverage is offered by Costa Rica travel Insurers?

There are two insurers that have been authorized by the Costa Rica government, Sagicor of Costa Rica and National Insurance Institute (INS).
Their policies are pre-approved and guaranteed to be accepted by Costa Rican authorities.
Premiums vary according to age, the number of travelers, and the days of stay in the country. Prices range from $11 to $21 per person. Coverage includes accident, sickness including COVID-19, lodging expenses in case of isolation, among others.
To access these Costa Rica insurers online visit Sagicor or INS for purchase.

When to buy local COVID travel insurance?
We recommend purchasing this type of insurance the week of your travel dates since this requirement could be eliminated as the COVID situation evolves.
Cancellation of policies may be made within five (5) business days of purchase with Costa Rica insurers and 10 days

Is there a supplemental lodging plan?
YES! If your international plan covers you for the $50,000 medical expenses and not for the extended lodging expenses, there is a Lodging Plan that meets the requirement for entry.
Sagicor Costa Rica offers this supplemental plan that covers you for up to $3,000 (max. $200 per day) lodging expenses due to Sanitary Isolation.
Prices are approximately $7.30 per person per day.
To submit documentation through the online Health Pass form, travelers must upload the pdf documentation form of their international and local supplemental policy.

Coverage summary (per person)
• Medical Expense, including medication: $20,000.
• Lodging expenses due to Sanitary Isolation: $4,000 (max. $300 per day).
• Sanitary/Funerary Repatriation: $18,000.
• Pre-existing condition medical expense: $300.
• Loss of Passport: $100.

For any questions about the insurance policy requirements or to verify if your policy meets the requirements, email the Tourism Board at seguros@ict.go.cr

Costa Rica Dream Adventures COVID-19 related cancelation policies:

In the event that passengers are forced to cancel their trip for reasons related to the Covid-19  such as border closures in both the United States and/or  Costa Rica that prevent them from flying, or in the eventuality that they become ill with COVID-19 that prevents them from leaving their place of residence (positive lab test and medical report is required), travel dates may be changed without any penalty up to 24 hours prior to the scheduled arrival date Costa Rica. A voucher with the total value of the trip will be issued and will be valid for one year from the time the voucher was issued. Terms of Travel

Due to these uncertain times, Costa Rica Dream Adventures strongly recommends getting travel insurance, and if possible, canceling for any reason benefit to enjoy a stress-free vacation planning.

Free travel insurance with Air Canada

All travelers that make an eligible new booking with Air Canada originating in Canada will receive complimentary Manulife COVID-19 Emergency Medical and Quarantine Insurance underwritten by The Manufacturers Life Insurance Company (Manulife).
This Manulife COVID-19 Insurance covers eligible Canadian residents, who are Aeroplan Members, when traveling internationally on a booking made with Air Canada, for travel completed by April 12, 2021. Manulife coverage will be automatically included if eligible when the booking is purchased, or the flight is redeemed. There are no registration forms to complete and premiums are paid for by Air Canada.

Not an Aeroplan member? Sign up here. Enrollment is easy and free.

Currently, the country is requiring travelers to obtain a negative Covid-19 test before entry.
The PCR test is required 72 hours before boarding a flight to Canada. Upon arrival, travelers will still have to quarantine for 14 days. This applies to all air passengers five years of age or older.

Where to get the COVID test in Costa Rica?

Starting on January 26th, United States is requiring all international travelers to show a negative COVID-19 test prior to arrival in the country, regardless of vaccination status.

• PCR test must be taken within 72 hours of departure
• Proof of negative COVID test must be shown to the airline before boarding
• The requirement applies to all air passengers, 2 years of age or older, traveling into the US

Many private laboratories and hospitals in Costa Rica offer the PCR COVID test for a fee. The majority guarantee results within 48 hours.
Costs are similar to the United States and range from $100-$150 depending on the location where the travelers are located.

When you travel with Costa Rica Dream Adventures, you do not travel alone. We assist our clients in making all the arrangements to get tested in the comfort of their hotel and guarantee the results within 48 hours. An appointment is required. Our representatives will assist you in collecting the information needed to schedule your appointment.

Information needed for COVID test appointment and Testing locations Click Here

What happens if I get COVID positive while in Costa Rica?
• If you are experiencing symptoms, dial 1322. English-speaking operators are available.
• If vacationing with Costa Rica Dream Adventures, travelers can call our 24/7 in-country travel support for assistance.
• If you test positive, you will receive a health order from the Ministry of Health for mandatory 14-day quarantine stay at your hotel room or vacation home.
• Contact your travel insurance. Your COVID travel insurance will go into effect and cover you for any possible medical expenses and extended lodging expenses at your hotel or vacation home.

Since its first reported case on March 6th, 2020, Costa Rica, a country of 5 million people, has 186,000 confirmed cases; 142,000 people have recovered so far, and there have been 2,458 deaths as of January 19th, 2021.

See daily statistics.

If you choose Costa Rica Dream Adventures as your trip planner, we will make sure your vacation complies with all the requirements needed.
All we want for you is to enjoy a stress-free vacation!

Your safety is important to us. Explore our new vacation protocols that go accordingly to the Costa Rica government and CDC guidelines.

Ask Us on Social Media

Have a travel question? Reach us out via FacebookTwitter and we will answer your questions!