Travel Insurance Policies – Cancellation and Medical Emergency Coverage and Benefits
PLEASE Consider Purchasing Travel Insurance for Your Costa Rica Vacation.
People expect no refund, no exchange, no transfer policies for things like airline tickets, cruises, or booking events like baseball games or the theater, but sometimes mistakenly assume that the transportation, activities and lodges for their Costa Rica vacations can be easily changed or cancelled. They cannot.
In Costa Rica Reservations are Normally 100% Prepaid and Non-Refundable
In Costa Rica reservations typically require 100% prepayment or an agreement that the full cost will be charged to your credit card if you cancel or you do not show up. Most reservations are not refundable. Changes to dates and times are sometimes allowed but depend on availability (when allowed at all) and may entail significant fees.
These policies are set by the individual lodges, canopy tours etc.
Without Travel insurance you will not receive refunds for missed nights lodging, unused transportation, un-ridden horses, un-zipped ziplines etc. as a result of changing your mind, illness, missed or cancelled flights, airline strikes, etc.
Suggestions on How and Where to Buy Travel Insurance
We are not an insurance company. Please see these independent providers below or Google “travel insurance”.
Insure My Trip is a BBB registered insurance comparison site that shows rates from a number of companies like Travel Guard and Access America. We do not receive commissions or any other kind of payment from these companies. We recommend travel insurance because we have seen a number of people burned by the unexpected when travelling without it.
How Much Does Travel Insurance Cost?
It helps to have an idea of what it costs to insure your trip. Costs and coverage vary by company and your age (when emergency medical coverage is included) but, for example, we found quotes from $148 to $362 to cover the $4,222 total cost of a two week trip for two 50 year olds.
The lowest cost plan had the most basic coverage and most limited valid reasons for cancellation and the highest cost plan was of course more generous and flexible.
|Cost of Trip||$4,222||$4,222|
|Cost of Travel Insurance Plan||$148||$362|
|Emergency medical transportation||$50,000||$1,000,000|
|Existing medical condition cancellation||$4,222||$4,222|
|Travel company goes out of business||$4,222||$4,222|
|Collision/Theft Rental Car Coverage||$50,000|
|Electronic/Sporting Equipment Coverage||$1,000|
All of the plans require valid reasons for claims – these may include death, injury, birth and illness for the travelers and immediate family members; air travel problems due to weather, strikes etc.; and some oddballs like jury duty and your house burning down.
Only travelguard.com ($345) included “We just decided not to go” as a valid reason for cancelling, but others include reasons like “Required to work” which could probably be substituted for “we changed our minds” in a pinch.
What We Can Do to Help?
Costa Rica Guide recommends Pacific Trade Winds Travel in Costa Rica and if you book your vacation through them their policies apply but they are very helpful!
If you purchase travel through Pacific Trade Winds Travel and cancel early enough they will give you a partial refund (regardless of whether the lodges or activities refund us).
We Will Provide Documentation For Your Insurance Claim
If you purchase travel through Pacific Trade Winds Travel and purchase travel insurance through an independent third party they will provide the following to assist you with the insurance claims process in the event that you miss or modify part or all of your Costa Rica vacation.
Summary of non-refundable items
Pacific Trade Winds Travel will provide you with an itemized summary statement of the non-refundable items from your vacation and the total non-refundable amount paid to us for insurance purposes. They will e-mail the statement to you and your insurance provider as a pdf attachment free of charge.
Pacific Trade Winds Travel will fax the statement to your insurance provider free of charge.
priority mail documentation
If a hard copy is required we will send the statement to one U.S. address via 2 day priority mail with delivery confirmation free of charge. If additional mailings or addresses outside the U.S. are requested they reserve the right to charge a service fee.