Costa Rica Is Beautiful.
Medical Bills Are Not.
Costa Rica has world-class private hospitals — but they operate on a cash-and-insurance basis. A night of hospitalization can run $1,500–$4,000 USD. An emergency medical flight can exceed $30,000. A broken ankle on a volcano hike or a severe allergic reaction during a rainforest tour becomes not just a health crisis, but a financial one — unless you're covered.
Emergency Medical Coverage
Hospitalization, surgery, physician fees and medications for sudden illness or accident. Zero deductible — Assist Card pays directly with the hospital.
Learn More →Emergency Dental
Acute dental pain and dental accidents covered during your stay — so a cracked tooth doesn't derail your entire vacation.
Learn More →Medical Repatriation
If a medical condition requires you to return home, Assist Card coordinates and covers your repatriation flight and logistics entirely.
Learn More →Trip Cancellation & Delay
Protection against unforeseen cancellations, flight delays and interruptions — so a missed connection doesn't mean a lost vacation budget.
Learn More →Luggage & Belongings
Coverage for lost, stolen or damaged luggage and personal items so you're not left without your essentials mid-trip.
Learn More →24/7 Global Assistance
One number connects you to multilingual Assist Card agents who coordinate hospital referrals, authorizations, family notification, and more — around the clock.
Learn More →The Right Coverage for Every Trip
Six coverage tiers, from $35,000 to $3,000,000 USD in medical protection. We'll recommend the right plan based on your activities, trip length and group — not just the cheapest option.
AC 3M
$3,000,000 USD medicalUp to 60 days · International · Max age 69
- Medical & accident $3,000,000
- Sports & adventure $10,000
- Emergency dental $1,000
- Pre-existing conditions $35,000
- Lost luggage $4,500
AC 1M
$1,000,000 USD medicalUp to 30 days · International · Max age 69
- Medical & accident $1,000,000
- Sports & adventure $10,000
- Emergency dental $1,000
- Pre-existing conditions $30,000
- Lost luggage $4,500
AC 250
$250,000 USD medicalUp to 364 days · International · Max age 85
- Medical & accident $250,000
- Sports & adventure $10,000
- Emergency dental $700
- Pre-existing conditions $20,000
- Lost luggage $1,200
AC 150
$150,000 USD medicalUp to 365 days · International · Max age 85
- Medical & accident $150,000
- Sports & adventure $10,000
- Emergency dental $700
- Pre-existing conditions $15,000
- Lost luggage $1,200
AC 60
$60,000 USD medicalNo age restriction · Up to 365 consecutive days · International
- Medical & accident $60,000
- Sports & adventure $10,000
- Emergency dental $500
- Pre-existing conditions $10,000
- Lost luggage $1,200
AC 35
$35,000 USD medicalNo age restriction · Up to 365 consecutive days · International
- Medical & accident $35,000
- Sports & adventure $10,000
- Emergency dental $500
- Pre-existing conditions $5,000
- Lost luggage $1,200
All plans include $0 deductible — Assist Card pays the hospital directly, no upfront cost to you. Prices vary by travel dates, duration and traveler ages.
Getting Covered Is Simple
Fill in the quote form
Enter your travel details below — destination, dates, trip type and traveler ages. Takes under 2 minutes.
Send via WhatsApp
Hit the button and your details open in WhatsApp pre-written. We receive everything at once and prepare your quote.
Review and confirm
We walk you through your plan options and handle everything. Your policy documents arrive by email, ready before you board.
How Many Are Traveling?
Select your group size to jump to the quote form.
Request Your Assist Card Quote
Fill in your trip details and we'll send your personalized quote — usually within the hour.
We respond within 1 hour · 7 days a week · No obligation
Why Book Through Wild Papagayo?
When you book your tour or transfer through Wild Papagayo, we already know your itinerary, your destinations and your activities. That context makes it easy to recommend the right Assist Card plan — not just any policy.
- We know which activities require adventure sport coverage
- We know which zones have the nearest hospitals
- We explain exactly what your plan covers before you arrive
- If an emergency happens on a tour, we know how to activate your coverage immediately
- One team handles tours, logistics and insurance — less back-and-forth for you
⚡ Typically responds in under 1 hour
They Traveled Protected.
"On our second day in Guanacaste my husband had a bad fall during the volcano hike. Wild Papagayo called Assist Card on the spot — by the time we reached the clinic, everything was already authorized. We paid nothing. I cannot imagine what that situation would have looked like without the insurance."
"We almost skipped the insurance — glad we didn't. My daughter got a severe allergic reaction after dinner in Tamarindo. The Assist Card hotline was calm, professional and bilingual. The hospital was already expecting us. Everything was handled within 20 minutes of the call."
Frequently Asked Questions
Do I really need travel insurance if I already have health insurance at home?
Most domestic health insurance plans in the US and Canada do not cover international medical care, or cover only a small fraction of actual costs. Costa Rica's private hospitals require direct payment or insurance confirmation. Your home policy is very unlikely to cover a medical evacuation flight, which alone can exceed $30,000 USD.
When should I purchase travel insurance?
Ideally before you board your flight. Some trip cancellation benefits apply only if you purchase within a specific window after booking your flights, so earlier is better. Medical coverage activates from the day you arrive in Costa Rica.
Does Assist Card cover adventure activities like zip-lining and volcano hiking?
Selected Assist Card plans include coverage for adventure and outdoor activities. We'll confirm which plan covers the specific activities on your itinerary before you purchase.
What if I have a pre-existing medical condition?
Assist Card offers plans that cover stable pre-existing conditions. Requirements vary by plan. We recommend sharing this information with us when requesting your quote so we can match you to the right option.
How does Assist Card work in an actual emergency?
You call the 24/7 Assist Card emergency hotline (printed on your policy card). They coordinate directly with the hospital, authorize coverage, arrange transfers if needed, and guide your family — in English, Spanish and other languages. Zero deductible means no upfront cost to you.
How long does it take to get covered after I contact you?
We typically send your quote within the hour and can have your policy documents delivered by email the same day. For last-minute trips, same-day coverage is often possible.
Can I buy insurance after I've already arrived in Costa Rica?
In most cases, yes — Assist Card can be purchased after arrival, though some benefits like trip cancellation only apply when purchased before your trip begins. Contact us as soon as possible and we'll confirm what's available for your situation.
Does travel insurance cover rental cars?
Assist Card plans cover personal accident and medical expenses while in or around a rental vehicle, but physical damage to the car itself is typically handled through your credit card's collision benefit or an add-on. We can advise you on what gaps exist based on your specific plan.
Don't Board That Plane Without Coverage.
Fill in the form above or send us a message directly. We'll have your Assist Card quote ready in under an hour — no bots, no call centers, 7 days a week.
Request My Personalized Quote on WhatsAppFree · No obligation · Quote in under 1 hour
Already covered?
Now Book Your Private Costa Rica Experience
Travel insurance sorted — now let's plan the adventure. Private tours, transfers and local guides, all arranged via WhatsApp.
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