Digital Nomad Health Insurance for Costa Rica
🌍 Why Is the Costa Rica a Popular Destination for Digital Nomads?
Costa Rica is one of the most coveted locations for digital nomads because of its tropical climate, welcoming locals, affordable life, and stunning scenery. From San José's cosmopolitan cities to the beach resort towns of Tamarindo and Puerto Viejo, Costa Rica has everything: the play and work of the digital nomad lifestyle.
With reliable internet connection in most cities and tourist spots, plenty of coworking spaces, and a good network of expats, Costa Rica is poised to greet digital nomads. With the launch of the Costa Rica Digital Nomad Visa in 2022, it is made even easier for remote workers to reside legally in the country and work for foreign employers or clients.
Whether you’re drawn to surfing beaches, lush rainforests, or the friendly “Pura Vida” lifestyle, Costa Rica is an ideal destination to combine remote work with adventure.
🌴 Digital Nomad Insurance for Costa Rica
If you're relocating to Costa Rica as a remote worker, proper health insurance is imperative. Costa Rica travel medical insurance protects you against medical emergencies, routine care, and unexpected travel interruptions. Having options among top-rated Costa Rica travel insurance plans means you can obtain coverage that's appropriate for your digital nomad lifestyle.
🏥 Why Do Digital Nomads Require Health Insurance in Costa Rica?
Health insurance is an important necessity for Costa Rica-based digital nomads living and working in the country. Whether applying for the Costa Rica Digital Nomad Visa or remaining resident, private health insurance provides peace of mind. Important reasons digital nomads require health insurance in Costa Rica:
- Visa requirement: Evidence of having valid health insurance is required to obtain the Costa Rica Digital Nomad Visa.
- Private health access: Costa Rica has both public and private healthcare. Private hospitals are primarily visited by non-residents, who need to be insured for direct admission.
- Protection against high bills: Without insurance, hospitalization, emergency services, or specialist procedures can be expensive.
- International coverage: Digital nomad insurance typically covers medical treatment in Costa Rica and short international travel.
- Coverage for dependents: Family members might also be covered, so spouses and children are not left exposed
⭐ What Is the Best Digital Nomad Insurance for Costa Rica?
travel_luggage_and_bags Best travel medical insurance plans for Digital Nomads for Costa Rica
Atlas Nomads Insurance is the perfect health coverage for digital nomads, offering global medical protection with the flexibility to include or exclude the U.S. Stay covered wherever you work or travel, with convenient monthly or annual payments that fit your location-independent lifestyle.
- Available for non-U.S. citizens/residents traveling and working abroad.
- Coinsurance: Plan pays 100% of eligible expenses up to the overall maximum limit
- Acute onset of pre-existing condition: Covers up to policy maximum limit
- Emergency medical evacuation: Up to $100,000
- Urgent care: Up to $50 copayment
- Trip Interruption: Up to $5,000 maximum
- Repatriation of remains: Up to $20,000 maximum
Policy maximum?
Up to age 64: $250,000
Age 65 to 69: $100,000Deductible option?
$0Period of coverage?
364 days
Atlas International Insurance offers flexible, reliable health coverage for remote workers and travelers worldwide. Designed for U.S. and non-U.S. citizens abroad, it provides essential medical protection for trips from 5 to 364 days, with customizable benefits to fit your journey. Stay covered and focus on your work and adventures.
- Available for US and Non US citizens traveling outside USA.
- Coinsurance: After deductible, plan pays 100% up to policy maximum.
- Acute onset of pre-existing condition: Up to policy maximum for ages up to 79 years.
- Emergency medical evacuation: Up to $1,000,000.
- Urgent care: 15 per incident; no copayment if deductible is $0.
- Optional add-on benefits.
- Renewable: Can be renewed and extended up to 364 days.
- Repatriation of Remains: Equal to the elected overall maximum limit.
- Adventure Sports: Includes coverage for eligible sports injuries and illnesses during vacation at no additional cost.
Policy maximum?
$50,000, $100,000, $250,000, $500,000, $1,000,000, $2,000,000Deductible option?
$0, $100, $250, $500, $1,000, $2,500, $5,000Period of coverage?
364 days
Patriot International Lite
Patriot International LitePatriot International Lite is the ideal travel medical insurance for digital nomads, offering essential international coverage so you can work and explore worry-free. With flexible terms from 5 to 364 days, renewable up to 24 months, it suits changing travel plans. Available to U.S. and non-U.S. citizens, it provides customizable benefits for reliable protection wherever your journey takes you.
- Available for both US and Non-US citizens traveling outside the US.
- Coinsurance: After deductible, plan pays 100% up to policy maximum.
- Acute onset of pre-existing condition: Covers up to 70 years.
- Emergency medical evacuation: Up to $1,000,000.
- Urgent care: $30 per incident; no copayment if deductible is $0.
- Repatriation of Remains: Up to overall maximum limit.
- Renewable: Renewable up to 2 years.
Policy maximum?
$50,000, $100,000, $250,000, $500,000, $1,000,000,$2,500,000Deductible options?
$0, $100, $250, $500, $1,000, $2,500Period of coverage?
5 days to 364 days
Patriot International Platinum
Patriot International Platinum is ideal for Digital Nomads seeking short-term or long-term international medical coverage with flexible duration and customizable benefits. Available for U.S. and non-U.S. citizens traveling outside their home country.
- Available for both US and Non-US citizens traveling outside the US.
- Coinsurance: After deductible, plan pays 100% up to policy maximum.
- Acute onset of pre-existing condition: Covers up to 70 years.
- Emergency medical evacuation: Up to $1,000,000.
- Urgent care: $30 per incident; no copayment if deductible is $0.
- Repatriation of Remains: Up to overall maximum limit
- Renewable: Renewed for up to 36 months
Policy maximum?
$2,000,000, $5,000,000, $8,000,000Deductible options?
$0, $100, $250, $500, $1,000, $2,500, $5,0000, $10,0000, $25,0000.Period of coverage?
5 days to 364 days
globe Long-Term travel medical insurance plans for Digital Nomads in Costa Rica
IMG Global Medical
IMG Global Medical Insurance offers comprehensive long-term coverage for digital nomads, with flexible worldwide protection and optional U.S. coverage. Customize your plan with add-ons like preventive and maternity care for total peace of mind wherever you go.
- Coinsurance: In-network: After deductible, plan pays 100%, Out-of-network: After deductible, pays 80% up to $5,000, then 100% up to the max limit
- Direct Billing: United health care ppo or First healthcare (in inside USA)
- Urgent care: Included
- Pre-existing Conditions: Bronze – Not covered; Silver/Gold – Covered if disclosed and not excluded (unknown: $5K/period, $50K/lifetime after 24 months); Platinum – Covered if disclosed and not excluded with higher limits
- Emergency medical evacuation: Up to lifetime maximum
- Repatriation of remains: Up to $50,000 maximum
Policy maximum?
Bronze: $1,000,000 | Silver: $5,000,000 | Gold: $5,000,000 | Platinum: $8,000,000Deductible option?
$100 to $25,000Period of coverage?
Lifetime
Worldwide Premier
Worldwide PremierThe BCBS Global Solutions Worldwide Premier Plan is a year-long travel medical insurance made for people who travel frequently outside their home country. Instead of buying a new policy every time you travel, you buy this once a year and you’re covered for unlimited trips during that year.
- Pre-existing conditions: Immediate coverage of pre-existing conditions with proof of previous coverage.
- Emergency medical evacuation: Up to $250,000.
- Repatriation of remains: Up to $25,000 maximum.
- Accidental Death & Dismemberment: Up to $50,000
- Emergency Medical Transportation: Up to $250,000
- 24/7 customer service and support available.
Policy maximum?
Unlimited annual and lifetime maximumDeductible option?
$0, $1,000, $2,000, $5,000, $10,000Period of coverage?
Lifetime
💰 What Is The Cheapest Digital Nomad Insurance For Costa Rica?
The Cheapest digital nomad insurance for Costa Rica is Atlas International from WorldTrips. The other affordable Costa Rica travel insurance for digital nomads are Patriot International Lite from IMG and Travel Medical Global Basic from Seven Corners.
- Available for Non US citizens and US citizens traveling outside their home country.
- Emergency medical evacuation covers up to $1,000,000.
- Covers acute onset of a pre-existing condition up to 79 years.
- Available for both Non US citizens and US citizens traveling outside USA.
- Emergency medical evacuation covers up to $1,000,000.
- Covers acute onset of a pre-existing condition up to 70 years.
Travel Medical Global Basic
Seven Corners
$56 per monthAge: 40 years | Plan: $50,000 | Deductible: $250
- Available for Non US residents traveling to worldwide trips that exclude the USA.
- Emergency medical evacuation covers up to $250,000.
- Covers acute onset of a pre-existing condition up to 79 years.
💶 How Much Does Digital Nomad Health Insurance Cost in Costa Rica?
Short-term travel medical insurance for digital nomads starts at just $39 per month. The cost may vary depending on the traveler's age, trip duration, selected policy maximum, and deductible. These plans are ideal for digital nomads taking shorter trips or staying abroad for limited periods. Short-term coverage typically offers essential medical benefits at affordable rates, with policy maximums ranging from $50,000 to $2 million.
| Plan name | Policy Maximum | Cost for 30 yrs* | Cost for 40 yrs* | Cost for 50 yrs* |
|---|---|---|---|---|
| Atlas International | $50,000 | $39 | $68 | $116 |
| Patriot International Lite | $50,000 | $41 | $69 | $118 |
| Atlas Nomads | $250,000 | $57 | $93 | $147 |
| Patriot Platinum International | $2,000,000 | $87 | $145 | $246 |
*Based on ages of digital nomads, with a $0 deductible.
Long-term travel medical insurance for digital nomads starts at around $1,500 per year. The cost may vary based on the traveler's age, length of coverage, policy maximum, and deductible. These plans are ideal for digital nomads living abroad for extended periods or frequently relocating across countries. Long-term insurance typically offers broader medical coverage, higher policy limits (up to $10 million), and enhanced global support services.
| Plan name | Policy Maximum | Deductible | Cost of 30 yrs# | Cost of 40 yrs# | Cost of 50 yrs# |
|---|---|---|---|---|---|
| Worldwide Premier | $10,000,000 | $0 | $870 | $1,099 | $1,774 |
| Global Medical Bronze | $1,000,000 | $250 | $1,523 | $1,827 | $1,921 |
| Global Medical Gold | $5,000,000 | $250 | $3,576 | $4,116 | $7,404 |
#Based on ages of digital nomads.
📑 What Are the Requirements for Costa Rica Digital Nomad Visa?
To be eligible for the Costa Rica Digital Nomad Visa, remote workers must meet the following requirements:
- Proof of remote employment: Work for a foreign Costa Rica company or have foreign clients if self-employed.
- Minimum income requirement: Document a minimum income of $3,000/month (or $4,000 for family arrivals). The funds must be verifiable through bank statements.
- Valid passport: A valid passport with at least one year of validity.
- Health insurance: Current health insurance that covers the entire stay in Costa Rica.
- Clean criminal record: Bring a background check from your country of residence.
- No prior illegal residence in Costa Rica.
📦 What Does Digital Nomad Insurance Cover?
Costa Rica digital nomad insurance provides expansive coverage:
⏳ Long-Term Health Insurance for Digital Nomads in Costa Rica
If you’re relocating to Costa Rica for remote work, a comprehensive international health insurance plan is highly recommended. These global health insurance plans cover:
- Medical emergencies
- Routine doctor visits
- Preventive care
- Prescription drugs
- Hospitalization
- Maternity & family care
- Coverage across multiple countries
These extended Costa Rica digital nomad insurance solutions that are available on American Visitor Insurance offer flexible, global coverage that are designed for the digital nomad existence.
Get Quote line_end_arrow_notch❓ Travel Medical Insurance Costa Rica Remote Work FAQ’s
1. Do I require health insurance for the Costa Rica Digital Nomad Visa?
Yes. Health insurance is mandatory for all applicants. You must provide evidence of private insurance that includes medical treatment in Costa Rica for the whole visa period. You can buy the best Digital nomad Insurance for Costa Rica on American Visitor Insurance
2. Can I purchase insurance once I've arrived in Costa Rica?
No. You must buy legitimate health insurance prior to applying for your visa. Proof of coverage should be attached to the paperwork.
3. May I use travel insurance for a digital nomad visa in Costa Rica?
Yes. Most international travel medical insurance policies like those available on American Visitor Insurance are acceptable, if they cover your entire stay and have emergency care included.
4. How long must my insurance be good for?
Coverage needs to equal the visa duration one year, renewable, usually.
5. Is digital nomad insurance costly in Costa Rica?
Not necessarily. It is age, level of coverage, deductible, and whether U.S. coverage is added that determines cost. Plans tend to be less costly than private medical care expenses. You can easily compare and buy the best Digital nomad Insurance for Costa Rica on American Visitor Insurance.
