FAQ's - All Insurance CR

General Questions

All Insurance CR is an independent insurance brokerage based in Costa Rica. We help individuals, families, and businesses find the right insurance coverage—including health, auto, home, and travel insurance—while providing ongoing support before and after the policy is issued.
We act as your advocate, not the insurance company.
We are a broker, not an insurance company.
That means we work with multiple local and international insurers and help you compare options to find the coverage that best fits your needs, budget, and long-term plans. You are never limited to a single provider.
Most of our clients are:
  • Individuals and families relocating to Costa Rica
  • Retirees and long-term residents
  • Property owners
  • Expats who want real support—not call centers
We focus on people who value experience, clarity, and service, not just the cheapest policy.

Health Insurance in Costa Rica

Health insurance is not always legally required, but it is strongly recommended, especially for residency applications, medical emergencies, and access to private healthcare.
Many residency categories require proof of insurance.
Yes. We work with Costa Rican insurers (including INS) as well as international health insurance providers.
We explain the differences clearly so you can choose what makes sense for your lifestyle, residency status, and travel habits.
In simple terms:
  • Local (Costa Rican) plans
    • Lower cost
    • More paperwork
    • Often Spanish-only
    • Best for long-term residents
  • International plans
    • Higher cost
    • English-speaking support
    • Coverage inside and outside Costa Rica
    • Easier claims process
We help you understand the real-world pros and cons, not just the brochure language.
Yes — this is one of our biggest differentiators.
We provide concierge-style claims assistance, meaning:
  • You don’t have to fight with the insurance company
  • We help explain coverage and paperwork
  • We guide you through the process if issues arise
Our clients don’t get left on their own after the policy is sold.

Concierge & Service Questions

Our concierge service means you work with real people who know your situation.
We help with:
  • Policy explanations
  • Renewals
  • Claims support
  • Changes to coverage
  • General insurance questions
You don’t get passed around a call center—you contact us directly.
No. Our concierge-level support is included as part of working with us.
Yes. Our team has been together for many years, and you’ll work with experienced staff who know your policy and history.

Auto & Home Insurance

Yes. We provide auto and motorcycle insurance through reputable Costa Rican insurers and help you understand:
  • Required coverage
  • Optional coverage
  • Claims procedures
We also assist with renewals and changes.
Yes. We offer insurance for:
  • Homes
  • Condos
  • Rental properties
We’ll help you choose coverage based on whether the property is owner-occupied, rented, or vacant.

Pricing & Quotes

It depends on the type of insurance and coverage.
Some policies are less expensive, others are comparable. The key difference is how claims are handled and what is actually covered, which is where professional guidance matters.
You can:
  • Fill out a quote request on our website
  • Call us directly
  • Email our team
We’ll ask a few key questions and then narrow down the best options for you—without overwhelming you with dozens of plans.
No. There is no obligation.
Our goal is to educate you first so you can make a confident decision.

Before Moving to Costa Rica

Yes. Many clients contact us before they move so they understand:
  • What coverage is available
  • What documentation is needed
  • What to expect once they arrive
This avoids costly mistakes and delays.
Absolutely. Most of our clients start the process while still in the U.S. or Canada.

Why Choose All Insurance CR?

  • We work for you, not the insurer
  • We offer access to multiple providers
  • We provide hands-on service and claims support
  • We have deep experience in the Costa Rica insurance market
Large insurers sell policies.
We build long-term client relationships.
All Insurance CR has been serving clients in Costa Rica for 15+ years, with a long-standing team and thousands of policies placed.
Experience matters—especially when things go wrong.
No. There is no obligation.
Our goal is to educate you first so you can make a confident decision.

Still Have Questions?

That’s easy—just contact us.
We’re happy to answer questions, explain options, and help you make sense of insurance in Costa Rica before you commit to anything.
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