Costa Rica Risk Assessment Country Guide 

Costa Rica, a small Latin American country situated between Panama and Mexico, is known as an expanding, diverse  nation. Nearly 5 million people call the country home, with an economy centered on tourism, agriculture and electronics exports.

According to the UK Foreign & Commonwealth Office (FCO), thousands of foreigners travel to Costa Rica each year. Most find their visits enjoyable and trouble-free. However, the nation still presents a number of risks to expats and tourists alike, including diseases and violent crime.

Due to these concerns, you may want to consider comprehensive international insurance policies prior to leaving your home country. Coverage is recommended for medical, travel and other needs.

  • Health
  • Safety & Security
  • Terrorism

Overall, the standard of care in the country is high. However, most types of care for foreigners will require payment, except for emergency medical treatment. 

In November 2015, the first local transmission of Zika virus infection was reported in Central America, including Costa Rica. There have been two reported cases. Local transmission means that mosquitoes in the area have been infected with Zika virus, spreading it to people. Although there is no cure or vaccine for Zika, take standard precautions against mosquito bites and practice safe sex. Talk to your doctor or nurse if you develop a fever. 

Since 2013, the number of reported dengue fever cases have been on the rise. Prior to leaving for Costa Rica, you should discuss all possible vaccinations and other preventative measures with your primary care physician.  

Clements Worldwide offers GlobalCare® health insurance, which provide USD 5 million in health care benefits, and coverage extends to families also living overseas. With Clements, you will have flexible payment options and choice of deductible. A GlobalCare policy allows you to choose any doctor you want, anywhere in the world.

To receive additional medical care, Clements offers Medical Evacuation and Repatriation insurance. The insurance covers expenses to transport you to a capable medical facility in case a local medical center isn’t able to provide adequate treatment within the country.

Call us today at +1.202.872.0060 or 800.872.0067 or email request@clements.com to discuss your organization’s travel needs tailored to considerations involved while operating in Costa Rica

Source: UK Foreign & Commonwealth Office and Clements Worldwide 

Contact a Clements Representative for Insurance Solutions

The political situation in Costa Rica is relatively stable. However, the number of violent crimes is on the rise, and other risks are still present in the region.

Clements offers a Personal Accident insurance policy, which protects your organization’s employees and their families' financial stability following an accident, regardless of whether it occurs on the job or during personal time. Coverage begins at USD 100,000 per person.

Road conditions are generally good in Costa Rica, although the weather may cause problems, specifically during the rainy season. Heavy rain can lead to potholes and landslides, which may impede road travel. Problem areas include the road between San Jose and Guapiles, and the new San Jose/Caldera highway.. Accidents occur often, and drivers sometimes ignore traffic lights. 

Clements offers international car insurance, which includes Physical Damage, Third Party Liability, and Excess Liability coverage. With flexible deductible options and fast claims processing, your policy will provide coverage for your vehicle fleet whether it’s on the road, parked or transported abroad.

An optional Political Violence extension is also recommended, which broadens the coverage to include strikes, riots, malicious damage, sabotage, war, terrorism or civil unrest. 

Call us today at +1.202.872.0060 or 800.872.0067 or email request@clements.com to discuss your organization’s travel needs tailored to considerations involved while operating in Costa Rica

Source: UK Foreign & Commonwealth Office and Clements Worldwide 

Contact a Clements Representative for Insurance Solutions

There is a low threat of terrorism in Costa Rica. However, indiscriminate attacks could occur given global levels of risk, and public areas where expats and tourists frequent may be targeted.

A War and Terrorism insurance policy from Clements offers the right coverage against the risks of civil unrest, war, riots, looting, and acts of terrorism.

There is also a small threat of kidnapping in the country. Short-term, express kidnappings could take place, where victims are held at gunpoint and forced to withdraw funds in order to secure their safe release.

A Kidnap and Ransom insurance policy from Clements will ensure  financial assistance following a kidnapping, such as independent investigations, negotiations, arrangement and delivery of funds.

Call us today at +1.202.872.0060 or 800.872.0067 or email request@clements.com to discuss your organization’s travel needs tailored to considerations involved while operating in Costa Rica

Source: UK Foreign & Commonwealth Office and Clements Worldwide 

Contact a Clements Representative for Insurance Solutions