When planning your trip, the question always comes up as to whether or not you will purchase travel insurance, listing the pros and cons deciding if you want to spend the extra money.
Many have seen it as an unnecessary commodity and take the chance, saving money by hoping nothing happens. It isn’t until something arises that you truly realize the importance and necessity of travel insurance.
As the world continues to unexpectedly change month by month sometimes — even week by week — it isn’t something you want to gamble your health and hard-earned dollars on.
Travel to Costa Rica
When traveling to Costa Rica, the decision of whether or not to purchase travel insurance is made for you: It’s one of the requirements for entry prior to your days on the country’s tropical beaches sipping on a cold pipa. As of November 1, 2020, the country requires you to purchase travel insurance with several important specifications that are strictly followed.
Upon entry, you must show proof that in the event of needing to quarantine for COVID-19 you have coverage of lodging expenses in the amount of $2,000 USD.
If purchasing an international travel insurance policy, it must indicate a minimum of $50,000 USD for medical expense coverage including that of COVID-19; however, if through an approved Costa Rican insurance company, the minimum coverage is $20,000 USD. In addition, it is extremely vital to note your travel insurance must cover the entire length of your stay matching your entry and exit dates.
When looking at your travel insurance package details and options it is important to consider all aspects as unforeseen events can quickly happen. As many can recall Costa Rica’s borders closed to foreigners and non-residents in mid-March 2020 with endless flight cancellations.
Airlines and Travel Insurance
US law says passengers are entitled to a refund if an airline cancels a flight, regardless of the reason. However, some non-US airlines have been stingy with refunds, and others try to offer vouchers or miles instead of true refunds.
As the economy faces many hardships, this isn’t typically how you want to receive your refund. Having to sit patiently waiting for flights to be rescheduled or the country’s borders to reopen in order to reschedule your well-planned and long-awaited vacation isn’t usually one’s first choice.
This could mean not getting the chance to use your voucher or travel miles for months at a time or even at all depending on the country you reside in and their current restrictions, losing your money on the risk that you took.
Unless you have bought a refundable ticket, which typically costs quite a bit more at the time of purchase, you may not see your money returned for missed flight connections or missing your flight entirely. During Costa Rica’s rainy season roads can become washed out with rivers overflowing onto the lowland roads and driving can become quite dangerous from the intense rains in certain areas of the country.
The heavy rains