Our top picks for the best Costa Rica travel insurance
Advertiser Disclosure
Why We Like It
Tin Leg is known for offering high-quality travel insurance coverage at a reasonable price.
All Tin Leg policies have an A- rating or better for their financial strength from AM Best. We also like the fact this provider has a budget travel insurance plan with basic protections at an affordable price.
Even though it’s inexpensive, this Economy plan still comes with the most important protections you need for your trip. This includes trip cancellation coverage worth up to 100% of the prepaid trip cost, trip interruption coverage worth up to 100%, specialized protection for hurricanes and weather, up to $20,000 per person in secondary travel protection for emergency medical with no deductible, and up to $100,000 in protection for evacuation and repatriation of remains.
Travelers also qualify for travel delay insurance, insurance for lost or delayed baggage, and 24-hour travel and emergency assistance.
Tin Leg also offers an Adventure plan. This provides coverage if you’re planning to do adventure activities in Costa Rica, such as mountain climbing.
Read our full review
- Choose from budget to premium coverage
- Protection for COVID-19-related medical expenses included
- All plans come with a 10 to 15-day money-back guarantee
- The Budget Economy plan has lower policy limits
- Not all plans let you add on CFAR coverage
Why We Like It
We like IMG Global because it offers a range of affordable and flexible travel insurance plans that you can purchase up until the day before you depart for your Costa Rica trip.
The iTravelInsured Travel SE plan comes with plenty of benefits for families and groups who need to secure coverage for an affordable price, and individuals up to the age of 99 can purchase a plan.
This plan will cover trips lasting up to 180 days. It includes trip cancellation coverage worth up to 100% of the trip cost and travel interruption coverage worth up to 150% of the trip cost. Other coverage benefits include up to $2,000 for trip delays, up to $250,000 for emergency medical expenses, and up to $500,000 for emergency evacuation and repatriation of remains.
- Purchase your plan up until one day before you depart
- Generous limits for trip delays, emergency evacuation, and more
- Pre-existing condition waiver available if purchased within 20 days of initial trip deposit
- 24/7 emergency travel assistance included
- Coronavirus-related medical expenses covered
- Plan gets notably more expensive with age
Why We Like It
Since AXA Assistance USA offers three coverage levels, you can tailor your policy for Costa Rica to suit your needs and budget.
AXA Assistance USA has an A rating from AM Best. It offers a range of travel insurance plans geared to different types of trips. The three coverage levels offered are:
- Silver
- Gold
- Platinum
We like the Platinum plan from AXA Assistance USA because it includes trip cancellation coverage worth up to 100% of non-refundable travel expenses, $1 million in medical evacuation protection, $250,000 in insurance for medical expenses, $100,000 in coverage for non-medical emergency evacuation, and more. You can also add cancel for any reason (CFAR) coverage to this plan for an extra cost.
Read our full review
- High coverage limits in every category. Extremely comprehensive
- Includes identity theft coverage & non-medical evacuation coverage
- CFAR coverage reimburses 75% of prepaid travel expenses
- Coverage cannot be extended unlike other plans
- Medical limit is lower than other cheaper plans, but still sufficient
Why We Like It
Generali Global Assistance offers high coverage limits for medical expenses, emergency dental expenses, emergency medical evacuation coverage, and more for your trip to Costa Rica.
This travel insurance provider has an A rating from AM Best and offers three tiers of travel insurance coverage to suit your needs:
- Standard plan
- Preferred plan
- Premium plan
If you’re looking for the most coverage, then the Premium plan may be your answer. It comes with 100% reimbursement for prepaid travel expenses due to trip cancellation, 175% reimbursement for eligible trip interruption claims, up to $250,000 in coverage for emergency medical and dental expenses, $2,000 in baggage loss protection per traveler, and more.
The Premium plan also includes coverage for rental cars and pre-existing conditions, and CFAR coverage is available as an add-on.
Read our full review
- High coverage limits with top tier Premium plan
- Some plans let you add on CFAR coverage
- Pre-existing conditions covered in the Premium plan
- Comes with 24-7 worldwide travel assistance services
- The standard plan comes with low plan limits, including just $50,000 per traveler in medical and dental expense
- CFAR coverage must be purchased within 24 hours of the initial trip deposit
- A 12-hour waiting period is required for luggage delay coverage
4.5
Faye Travel Protection Plan
Why We Like It
Faye is a new travel insurance disruptor that offers an innovative solution to travel insurance with a digital-first approach. What sets them apart is their user-friendly solution to a traditionally bureaucratic system. With Faye, users can manage everything online or via the Faye app – including the entire booking and claims process.
Although it’s a newer provider in the travel insurance industry, Faye is already rising as a fan favorite among young, tech-savvy travelers and digital nomads who want quick, convenient, and reliable travel insurance without having to go through an agent.
Apart from their online-first approach, Faye is easy to use and caters to all types of travelers including those who may want help via phone support.
Another feature that sets Faye apart from the competition is their plan offerings. Faye offers one base plan with an array of comprehensive coverage and optional add-ons to customize your plan.
Potential Add-ons include:
- Pet care
- Rental car care
- Cancel for any reason
- Vacation rental damage
- Adventure & extreme sports
If you are looking for a convenient and cost-effective way to insure your vacation, consider opting for Faye travel insurance. *Note: Coverage limits and availability may vary by state of residence.
Read our full review
- Friendly agents
- Easy-to-use mobile app
- Fast reimbursements for eligible claims
- Prompt replies to questions
- Long wait times for reimbursement
- Difficulty reaching Faye outside of email & virtual chat
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This provides coverage if you’re planning to do adventure activities in Costa Rica, such as mountain climbing.\n\n{: .arrow-link}\n\n[Read our full review](https://www.latimes.com/compare-deals/insurance/travel/tin-leg-travel-insurance-review)","full_policy_detail_title":"Full Policy Details","full_policy_detail":"","bottom_line":"","full_review_permalink":"","go_to_review_label":"","go_to_review_url":"","order":1},{"id":"65cddb7368d2f886028c3547","active":true,"provider_slug":"img","plan_slug":"img-itravelinsured-travel-se","page":"65ce013b538ff2e9b0b4f11b","name":"iTravelInsured Travel SE","cta_comment":"","cta_disclaimer":"via Squaremouth’s secure website","cta_text":"","cta_url":"","property":[{"id":"65cde9cac028e3d8a28adee8","active":true,"property_slug":"covers-covid","name":"Covers COVID","key":"Covers 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Standard plan\n2. Preferred plan\n3. Premium plan\n\nIf you’re looking for the most coverage, then the Premium plan may be your answer. 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What sets them apart is their user-friendly solution to a traditionally bureaucratic system. With Faye, users can manage everything online or via the Faye app – including the entire booking and claims process. \nAlthough it’s a newer provider in the travel insurance industry, Faye is already rising as a fan favorite among young, tech-savvy travelers and digital nomads who want quick, convenient, and reliable travel insurance without having to go through an agent.\n\nApart from their online-first approach, Faye is easy to use and caters to all types of travelers including those who may want help via phone support. \n\nAnother feature that sets Faye apart from the competition is their plan offerings. Faye offers one base plan with an array of comprehensive coverage and optional add-ons to customize your plan. \n\n**Potential Add-ons include:** \n* Pet care\n* Rental car care\n* Cancel for any reason\n* Vacation rental damage\n* Adventure & extreme sports\n\nIf you are looking for a convenient and cost-effective way to insure your vacation, consider opting for Faye travel insurance. *Note: Coverage limits and availability may vary by state of residence.\n\n\n{: .arrow-link}\n\n[Read our full review](https://www.latimes.com/compare-deals/insurance/travel/faye-travel-insurance-review)","full_policy_detail_title":"Full Policy Details","full_policy_detail":"","bottom_line":"","full_review_permalink":"","go_to_review_label":"","go_to_review_url":"","order":5}]
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