Costa Rica Travel Insurance Calculator

Tier choice is a limits decision for Costa Rica: the three bands cost within a few dollars of each other per week but insure very different worst cases. The calculator's default inputs — US$2,000 trip, 7 days, age 35 — land at $84.64 / $126.96 / $169.28 for Basic/Standard/Premium in Costa Rica.

Age bites harder than duration: over-65 travellers can pay 40–90% more for the identical Costa Rica itinerary. Adventure riders (trekking, scuba, ski) add 1–3% of trip cost on top of any tier for a Costa Rica itinerary.

Set the Costa Rica medical floor at USD 100,000 — private-care invoices around San José escalate quickly, and consulates do not negotiate them down. Evacuation cover of USD 100,000 is the baseline for Costa Rica; remote activities push the sensible number toward USD 250,000.

Costa Rica trips rarely need activity riders beyond the obvious — if you plan trekking, diving or ski days, name them when buying. Delay benefits on Costa Rica policies usually trigger at 6–12 hours and pay a fixed amount — enough for a hotel night, not for the missed tour.

Pre-existing conditions top every Costa Rica exclusions list unless you buy a waiver at booking time — the window for that waiver is short, often 14 days from first payment. Injuries suffered under the influence are excluded everywhere, and Costa Rica is no exception; insurers test when the story looks like a bar story. If your Costa Rica itinerary includes anything with a harness, a tank or a summit above 3,000 m, price the sports rider before comparing base premiums.

Costa Rica claims tied to events publicised before your booking date are denied as foreseeable; timing of purchase is part of the contract. Expect Costa Rica policies to skip routine dental, vision and maternity claims — the exclusions page is the real contract, more than the headline limits.

Buy the Costa Rica policy the day you pay the first non-refundable deposit — that date unlocks the full cancellation clock and any pre-existing waiver. Two Costa Rica policies at similar prices can differ by a factor of three on the deductible — read the excess table before choosing.

Before calling assistance in Costa Rica, have your policy number, passport and location details ready — the hotline opens the file that authorises payment. Annual multi-trip policies beat single-trip Costa Rica cover once you cross two insured trips a year; price both shapes for your actual travel pattern.