Our Current Preferred Travel Insurance Vendor for Costa Rica!
The pandemic has created unique travel insurance requirements for Costa Rica. Our team and our clients have tested Trawick dozens of times over the past few months. We love them because it is SIMPLE, FAST and SUPER EASY to print your proof of insurance that will be required at customs when you arrive at the airport. When using our link, you also receive preferred pricing vs. going direct to receive your quote.
We have had several of our clients tell us that our link provides better pricing than going direct to the Trawick site. Feel free to check, but the green button below will likely provide you with the best price on your required trip insurance to Costa Rica.
If you are traveling to a place other than Costa Rica, you can search the blue quote box below for great options on US trip insurance.
Current Costa Rica Travel Insurance Requirements
Travel Insurance is no longer required to enter Costa Rica showing that your expenses will be covered if you contract Covid-19 while on your trip if you have proof of vaccination or are under the age of 18.
If you do not have proof of vaccination and are over 18. Travel insurance will be required. If you do not purchase it before you arrive in Costa Rica, you will be required to purchase it in the airport at an increased cost.
The government is offering insurance to meet their requirements with a Sagicor Policy. This policy only covers “in case of Covid” while in Costa Rica. You can purchase this insurance before you leave as their prices increase if you decide to purchase insurance upon landing at the airport. This policy will only cover Covid, and is only required if you do not have proof of vaccination.
We have always recommend travel insurance when traveling to a foreign country. There are always many variables and unknowns. Since late 2020 we started testing different policies and now have what we believe is the best option right now during the time of Covid for any US traveler planning to visit Costa Rica. We have tested this ourselves with our team and have had many many of our travelers use Trawick International.
Their policies are less expensive, can cover flights, delays, and cancelations and they have what we believe is the most efficient online ordering process of any insurance provider as of today. They provide a simple PDF letter that is accepted upon arrival in Costa Rica in lieu of the government’s policy.
This is the only policy that we have found accepted besides the government policy. You’ll need the Trawick Voyager Plan to cover the government’s Covid required minimum coverage of $2,000 per person.
Standard Insurance policies issued by other providers typically DO NOT meet the minimum required $2,000 amount for coverage. Costa Rica’s government created an increased requirement to ensure that any American traveler who tested Covid could be covered for AT LEAST 2 weeks at a hotel with the insurance amount. However, this “non-standardized” amount has created many headaches for large insurance companies who move slowly and didn’t want to create a special Costa Rica only insurance policy.
If you’d like to save money and minimize costs for a policy to enter Costa Rica, you can choose to only cover Covid plan by putting your trip costs as $0. If you want travel insurance for cancellation, flights, luggage as well, put in your actual costs including flights.
Once you purchase your policy you will receive an email with links to the official letter you will need to show at customs when entering the country. Trawick has made this incredibly simple for Costa Rica travelers. It will have three blue links from left to right: Visa Letter, Certificate, ID Cards.
Print a copy of the Visa Letter and ID card for each member of your family and put them in your carry on. You might need to show them – you might not. It’s been 50/50 but it’s worth having the one sheet of paper if you need it. The Certificate is all the nitty gritty about your policy. It is really long. You don’t need to print or carry it, but it’s good to know if you need something covered on your trip. If needed, you can access the full policy with the link in the email you will receive.
**The quote box to the left does not currently provide a policy that meets the government’s requirements. Please use the above links instead.
Why Buy Travel Insurance?
- If you have to cancel your trip for a covered reason, travel insurance can reimburse you for your prepaid, non-refundable trip costs. Without insurance, you could lose your vacation investment.
- If you experience a covered medical emergency, travel insurance can help ensure you get high-quality care and reimburse you for covered medical costs. Without insurance, you may have to pay out of pocket when traveling overseas.
- If you have a covered travel delay, travel insurance can reimburse you for necessary, eligible expenses like hotels and meals. Without insurance, delays can be expensive.
- If you face an unexpected crisis, travel insurance gives you access to 24-Hour Hotline Assistance for expert help and advice. Without insurance, you’re on your own.
We've Partnered with Three Great Insurance Companies. Trawick, Allianz and Chubb Insurance
There are lots of travel insurance providers, but we’ve had great experiences with three providers. We like these providers because of what they cover, their straightforward benefits and simple online claim processing.
Trawick Insurance has a great policy that will cover the Costa Rica entrnce requirements at a lower cost than the government insurance requirements. You’ll need the Voyager Plan and can access it from this link. If you only want the required Covid insurance, put your trip costs to zero. if you would like additional costs for flights, cancellation or delays, put your actual trip costs. Be sure to list each family member individually.
Allianz Global Assistance is used by over 40 million travelers annually. 84% of customers give them a 5-star rating, according to Trustpilot. They do a fantastic job of digitizing the process and making it easy. (You can get a quote in just a few minutes by filling out the form on the left.)
Chubb Insurance is one of the largest providers in the world and you can still call them direct on the phone, 24 hours a day and talk to someone in the US who knows what they are doing and can help. If there is an issue, we also have direct lines to our rep and can help communicate with their team if needed. If you’d like a quote from Chubb, just let us know and we’ll send in a request on your behalf. (It takes us about 2 minutes.)
These companies are great, have comparable prices. One is a bit more tech friendly than the other. One is more “work with a live person”. Each have different levels of protection you can buy but it is wise to spend a few hundred dollars extra just in case someone gets sick, gets hurt, etc.