Expat Insurance in Costa Rica

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By wpx_knarp September 15, 2020

Simple, Reliable Protection for Your New Life Abroad — From an Insurance Team That Truly Understands Expats

Relocating to Costa Rica is an exciting chapter — new culture, new experiences, and new opportunities. But for many expats, understanding how insurance in Costa Rica works can be confusing, especially when compared to familiar systems in the U.S., Canada, or Europe.
At All Insurance CR, we make insurance simple. For more than 15 years, we’ve helped thousands of expats protect their homes, vehicles, health, travels, and families with clear, honest guidance and responsive, personalized service.
Whether you’re moving permanently, retiring, working remotely, investing in property, or spending part of the year abroad, we provide tailored expat insurance solutions that give you complete peace of mind.
We’re not just an insurance broker — we’re expats ourselves. That means we understand your concerns, expectations, and questions better than anyone. And thanks to our long-standing team — including experts like Michelle (auto insurance) and Denise (home insurance) — you’ll always find knowledgeable specialists ready to support you.

What Is Expat Insurance — and Why Do You Need It?

“Expat insurance” isn’t a single type of policy — it’s a collection of coverage options tailored for people living outside their home country.
In Costa Rica, expats often require coverage that addresses:
  • Healthcare costs in private hospitals
  • Road risks and liability for vehicles
  • Protection for homes in high-rainfall or seismic zones
  • Travel between home countries and Costa Rica
  • Long-term financial security for dependents
  • Liability risks for rental or investment properties
That’s why we’ve created a unified insurance approach for expats in Costa Rica, allowing you to secure essential health insurance, home insurance, and auto insurance in one reliable, trusted place.

Why All Insurance CR Is Costa Rica’s Leading Expat Insurance Broker

1. Insurance Built Specifically for Expats

Local insurance offices often assume familiarity with Costa Rican norms, laws, and systems — but expats need more guidance.
We help you understand:
• What coverage you actually need
• How insurance here differs from North America
• The real risks based on where you live
• How to meet residency or legal requirements
• How to prepare for claims (before something happens)
Our explanations are clear, practical, and grounded in real-world experience serving expats for over 15 years.

2. Specialists for Each Insurance Category

Your insurance needs span multiple categories — and we have dedicated experts in each one:
• Health & medical insurance: Phil brings unmatched expat-focused knowledge
• Auto insurance: Michelle has 10+ years specializing in this field
• Home insurance: Denise is highly experienced with property protection
• Life insurance: Personalized, needs-based guidance
• Travel & medical travel insurance: Covering visitors, residents, and global travelers
This specialization ensures accuracy, fast service, and consistent support. Most agencies do not have this depth of experience.

3. We Compare Multiple Expat Insurance Companies for You

We’re not tied to one insurer. As a true expat insurance broker, we compare multiple companies so you get:
• Better pricing
• Better coverage options
• Clear comparisons
• Honest recommendations
• Policies suited to expat lifestyles
You get unbiased, transparent guidance — never a one-size-fits-all product.

4. A Reputation Built Almost Entirely on Referrals

Our expat clients consistently share their experiences with friends, neighbors, and real estate contacts, because they know we deliver:
• Fast replies
• Accurate information
• Clear steps
• Friendly service
• Real support during claims
Phil often emphasizes that referrals drive the majority of the business — a testament to trust, reputation, and long-term service quality.

5. Responsive, Personalized Service

In an industry where slow responses are far too common, All Insurance CR has built its reputation by doing the opposite.
Clients choose us because:
• We answer quickly
• We guide you step-by-step
• We handle complexities so you don’t have to
• We stay with you after the sale
• We support you through claims, inspections, renewals, and emergencies
This is a major reason customers stay with us for years.

Types of Expat Insurance We Provide

1. Expat Health Insurance

Private or international medical coverage tailored to your lifestyle, including:
• Emergency care
• Specialist visits
• Hospitalization
• Worldwide coverage (optional U.S. inclusion)
• Chronic care and preventive health
• Affordable deductibles
• Direct billing options
Costa Rica’s public system (Caja) is useful — but private health insurance ensures fast, high-quality care.

2. Expat Car Insurance

Protection for your vehicle, including:
• Collision and comprehensive coverage
• Theft protection
• Natural disaster protection (flood, earthquake, storms)
• Liability coverage
• Roadside assistance
• Affordable deductibles
With Costa Rica’s unique driving conditions and strict accident procedures, proper coverage is essential.

3. Expat Home & Property Insurance

Customized protection for:
• Primary residences
• Vacation homes
• Condos
• Rental properties
• Investment properties
Coverage includes:
• Fire
• Earthquake
• Theft
• Water damage
• Liability
•Landslides and natural events
Specialist support ensures your home is properly valued and fully protected.

4. Expat Life Insurance

Financial protection for your family, tailored for expats who:
• Live abroad full-time
• Split time between countries
• Need long-term financial planning
• Want internationally recognized coverage
We help you select the right type and amount of coverage — without overpaying.

5. Travel Insurance & Medical Travel Insurance

For tourists, residents, digital nomads, and frequent travelers:
• Emergency medical coverage
• Trip interruption/cancellation
• International evacuation
• Visitor insurance for friends and family
A must-have for anyone moving between Costa Rica and their home country.

Why Expat Insurance Needs Are Unique

Expats face challenges locals often don’t, including:
• Adjusting to new healthcare systems
• Driving laws and accident procedures that differ from home
• Property risks affected by tropical climates
• Liability concerns for rental homes or visitors
• Managing cross-border travel and residency requirements
• Understanding insurance terminology in another language
We simplify all of that.
With All Insurance CR, you’re not navigating the system alone — you’re guided by a knowledgeable, responsive team that understands your world.

The All Insurance CR Expat Experience

Because the market is crowded with both local and global brands, finding the right health insurance can feel overwhelming. All Insurance CR simplifies the process into three steps:

Step 1.
Tell Us What You Need

A short questionnaire helps us understand your lifestyle, property, vehicle, family needs, and travel patterns.

Step 2:
We Compare Multiple Insurance Companies

You receive a clear, easy-to-understand comparison with:
Monthly or annual costs
Deductibles
Coverage details
Exclusions
Claims processes
Add-on options
Everything is explained in plain English.

Step 3:
You Choose the Best Option

We never push a single policy.
Our recommendations are based solely on what’s best for you.

Step 3:
We Support You Long After the Sale

We help with:
Claims
Renewals
Policy changes
Emergencies
Exclusions and documentation
Understanding your coverage anytime you need help
This is why our clients stay for years — and refer others.

FAQs about Expat Insurance

Yes — most expats choose private insurance for faster care and access to private hospitals.
Not necessarily. We compare multiple insurers to help you find affordable, reliable coverage for your lifestyle.
Absolutely. We assist with documentation, communication, and follow-up throughout the process.
Yes — and we help ensure your policy includes proper liability and tenant-related coverage.
Yes. While we specialize in expats, we also work with Costa Rican families and businesses.
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//Your new life in Costa Rica deserves protection you can rely on.

Protect Your Life in Costa Rica with Confidence

Living abroad should feel exciting — not stressful. With All Insurance CR, you get personalized, expat-focused insurance designed to protect your health, home, vehicle, travel, and family.
With us, you get:

  • 15+ years of expat insurance expertise
  • Specialists for every major insurance category
  • Fast, friendly, responsive service
  • Clear explanations in English
  • Comparisons from multiple insurance companies
  • Honest, needs-based recommendations
  • A team whose business is built on trust and referrals

Request Your Expat Insurance Quote Today

Compare Costa Rica’s top insurers and get personalized recommendations — quickly and easily.

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