Costa Rica

Costa Rica is a Central American country bordered by Nicaragua and Panama. Costa Rica requires all drivers to carry third-party liability insurance, as mandated by the Instituto Nacional de Seguros (INS).

U.S. Health insurance policies do not provide coverage in Costa Rica; travelers must purchase international or travel medical insurance for protection during visits.

Costa Rican law mandates workers’ compensation insurance for employers, with INS providing this coverage since 1924. Homeowners in Costa Rica can insure properties against fire, earthquake, and theft through private insurers such as Mapfre and ASSA Compañía de Seguros, as stated by YourInsurance.info.

Tourists renting cars in Costa Rica must buy local liability insurance regardless of credit card rental benefits from issuers like Visa or Mastercard. Private health insurers including Blue Cross Blue Shield offer expat health plans accepted at major hospitals like CIMA San José and Clínica Bíblica.

Flood insurance is available but optional for homeowners; premiums depend on property value and risk zone data published by INS annually. Pet owners can purchase veterinary expense policies from companies such as Sagicor that cover accidents and illnesses up to limits specified in policy documents.