AnkyroTravel insuranceCosta Rica
Travel insurance for Costa Rica.
Costa Rica doesn’t ask tourists for insurance. Only first emergency care is free, private clinics want payment first, and extensions have their own rules.
The rules
What Costa Rica asks of visitors.
Checked against official sources on 23 October 2026. Entry rules change, so check again before you fly.
- Not required for tourists
Insurance is not an entry rule. Officers may ask for a return ticket and proof you can pay for your stay.
Source: travel.gc.ca - Up to 180 days, if the officer agrees
Many visitors can stay up to 180 days without a visa. The officer at the border decides how many days you get.
Source: gov.uk - Extensions: under 90 days only
If you were given less than 90 days, you can ask to extend before it ends. The law asks for proof of funds and a USD 100 fee.
Source: iin.oea.org - Overstay: USD 100 a month
Staying past your date can cost USD 100 for each month, and you can be refused entry later.
Source: gov.uk - Nomad visa: USD 50,000
The digital nomad visa needs medical insurance for your whole stay, with at least USD 50,000 of cover for you and each dependant.
Source: visitcostarica.com
What care costs
If something goes wrong, this is the bill.
What a visitor pays without insurance. Prices vary by hospital and change every year.
- Only first emergency care is free
Visitors get initial emergency treatment free. Anything after that is charged.
Source: gov.uk - Private clinics: pay first
Private care may be expensive, and doctors and hospitals usually want payment upfront.
Source: travel.gc.ca - Evacuation is very expensive
A serious illness or injury may need a medical evacuation, which can be very expensive.
Source: travel.gc.ca
What to look for
Choosing travel cover for Costa Rica.
Ankyro checks each of these on every plan, so you don’t have to read the fine print.
- Rafting, surfing and ziplines
Adventure sports are often excluded or an extra. Check the activities you plan are listed.
- Cover for an extension
If you extend your stay, check you can extend the policy from inside Costa Rica.
- Evacuation
Remote beaches and parks are far from big hospitals. Check the plan pays to move you.
- Fast refunds
You will likely pay the clinic first. Pick a plan that pays claims quickly.
Before you land
Sort these before you fly.
- Emergency: 911
Call 911 for an ambulance, the police or fire.
- Mobile data
Set up an eSIM or buy a local SIM, so you can reach your insurer from the coast or the parks.
- Public or private
Public hospitals are good but waits can be long, and doctors rarely speak English. Private clinics are faster but cost more.
Common mistakes
3 we see all the time.
- 01Extending your stay but not your policy. You are not covered for the extra days.
- 02Assuming surfing or rafting is covered. Many plans leave adventure sports out.
- 03Expecting free public care after the first emergency treatment. The rest is charged.
Travel insurance stops when the trip ends, and most visas for living in Costa Rica don’t accept it. See what Costa Rica asks of residents.
Questions
People also ask.
Do I need travel insurance for Costa Rica?+
It is not required for tourists. But only first emergency care is free, so cover is wise.
Can I extend my tourist stay in Costa Rica?+
Yes, if you were given less than 90 days. Ask before it ends, show you have enough money, and pay USD 100.
Is healthcare free for tourists in Costa Rica?+
Only initial emergency care. Any treatment after that is charged.
What is the emergency number in Costa Rica?+
Call 911 for an ambulance, the police or fire.
Other trips
Going somewhere else?
Visiting Singapore? Care is excellent and expensive. Living here and going abroad? MediShield Life does not pay overseas. Here is what to check.
02Schengen visaA Schengen visa needs travel medical cover of at least 30,000 euros, valid in every Schengen country, with repatriation. Here is what passes, and what doesn’t.
03MalaysiaVisiting Malaysia? Public hospitals charge foreigners full price. Living here and going abroad? Your cover at home stays at home. Here is what to check.
04ThailandThailand doesn’t ask tourists for insurance. But hospitals want a payment guarantee before they treat you, and private care is not cheap. Here is what to know.
05JapanJapan doesn’t ask tourists for insurance yet. But visitors pay the full bill, and unpaid bills can get you refused entry next time. Here is what to know.
06USA visitorsThe US doesn’t ask visitors for insurance. But a few days in hospital can cost more than a car. Here is what care costs, and what a visitor plan must cover.
07Bali and IndonesiaIndonesia doesn’t ask tourists for insurance yet. But a broken leg in Bali can cost over 160 million rupiah, and serious cases can need a flight out. Here is what to know.
08Dubai and the UAEDubai’s law says visitors must be insured, and the 5-year tourist visa asks for proof. Care is good but private, and an unpaid bill can stop you leaving.
09VietnamVietnam doesn’t ask tourists for insurance. But private hospitals cost a lot, and a motorbike crash can stop you leaving the country. Here is what to know.
10SpainPublic care in Spain is free with an EHIC or GHIC. Private clinics, dental care and the flight home are not. Here is what the card leaves to you in Spain.
11MexicoMexico doesn’t ask tourists for insurance. Private hospitals in big cities are good, but most want payment first, and Medicare won’t pay.
12FranceCare in France is not free, even with an EHIC or GHIC. You pay upfront, claim back part, and the flight home is never covered. Here is what to check.
13ItalyThe EHIC and GHIC work in Italy’s public system, but you still pay fees, most medicines and any private doctor. Here is the Italian bill the card leaves you.
14GermanyWith an EHIC or GHIC, most care in Germany costs little. Private extras, mountain rescue and the flight home are on you. Here is what to check.
15PortugalPublic care in Portugal is mostly free with an EHIC or GHIC. Private clinics, medicines and the flight home are not. Here is what to check before you fly to Portugal.
17ColombiaMost tourists need no visa and no policy for Colombia. If you do need a visa, insurance is part of it. Private clinics want payment first.
18South KoreaKorea doesn’t ask tourists for insurance, and the national scheme is not for short trips. Hospitals expect you to pay on the spot, then claim.
19Australia working holidayThe 417 and 462 visas don’t make you buy health insurance. But you pay every medical bill yourself, unless your passport gets you limited Medicare. Here is who is covered and what to buy.
20New Zealand working holidayMost working holiday visas for New Zealand require medical and hospital insurance for your whole stay, and you can be asked for proof when you land. Here is who is exempt and what to buy.