Visitor Insurance for San José Residents Visiting the USA (2026)
Costa Rica's CCSS covers residents at home — but provides zero coverage in the United States. Costa Rica's CCSS provides zero coverage in the USA — US medical costs can be 10-50x higher than Costa Rican prices.
Costa Rica's CCSS Has No Coverage in the United States
Costa Rica's CCSS (Caja Costarricense de Seguro Social — 'La Caja') is one of Latin America's most comprehensive social health systems, but its coverage is strictly domestic. La Caja reimburses nothing for treatment in the United States, and Costa Rica and the US have no bilateral healthcare agreement. A US ER visit averages $3,100; one hospital night costs $11,700. Costa Rican nationals visiting family in Florida and California carry full out-of-pocket exposure: one hospitalisation can exceed CRC 1.7 million in uncovered US charges.
Costa Rica's CCSS provides zero coverage in the USA — US medical costs can be 10-50x higher than Costa Rican prices.
What US Medical Bills Actually Look Like
Emergency Room Visit
$3,100–$8,000
Triage, exam, basic tests
One Night Hospitalization
$11,700–$22,000
Room, nursing, meals only
Cardiac Event Treatment
$75,000–$185,000
Catheterization, ICU, meds
Medical Evacuation Flight
$95,000–$250,000
Air ambulance, medical crew
Best Visitor Insurance Plans for San José Residents
All three plans below are accepted at any US hospital and purchased 100% online. Coverage certificate arrives by email in minutes.
IMG Patriot America Plus
Largest US carrier network · UHC PPO
- ✓ Up to $1,000,000 coverage
- ✓ $0–$2,500 deductible options
- ✓ Acute onset pre-existing: $25K
- ✓ Emergency evacuation: $500K
- ✓ Available ages 14 days–99 yrs
- ✓ Multilingual 24/7 support
Best for: First-time visitors, families, tourists
WorldTrips Atlas America
Maximum coverage · Top evacuation benefit
- ✓ Up to $2,000,000 coverage
- ✓ $0–$5,000 deductible options
- ✓ Acute onset pre-existing: $50K
- ✓ Emergency evacuation: $1,000,000
- ✓ Available ages 14 days–99 yrs
- ✓ Flexible coverage periods
Best for: Seniors 65+, long stays, max protection
Trawick Safe Travels USA
Budget-friendly comprehensive · Telehealth included
- ✓ Up to $1,000,000 coverage
- ✓ $0–$5,000 deductible options
- ✓ Acute onset pre-existing: $20K
- ✓ Emergency evacuation: $500K
- ✓ Available ages 14 days–89 yrs
- ✓ Free telehealth included
Best for: Budget-conscious, short stays, under 70
No obligation · Certificate in minutes · Licensed TX #2608479TX
How Much Does Visitor Insurance Cost?
Estimates for $100,000 coverage with a $250 deductible. Actual quotes vary by plan, exact age, and dates.
| Age Group | 30 Days | 60 Days | 90 Days |
|---|---|---|---|
| 25–34 | $28–$42 | $55–$83 | $82–$124 |
| 35–44 | $33–$52 | $65–$103 | $98–$155 |
| 45–54 | $45–$72 | $89–$143 | $133–$215 |
| 55–64 | $72–$118 | $143–$235 | $215–$352 |
| 65–69 | $115–$188 | $229–$375 | $343–$562 |
| 70–74 | $165–$265 | $329–$529 | $493–$793 |
| 75–79 | $215–$355 | $429–$709 | $643–$1,063 |
* Get an exact quote at towerhilltravelinsurance.com/quote
What Visitor Insurance Covers
Frequently Asked Questions
Does Costa Rica's health insurance cover medical care in the USA for San José residents?+
What visitor insurance do you recommend for people traveling from San José to the USA?+
Do residents of San José need a visa to visit the USA?+
Can I buy visitor insurance after arriving in the USA from San José?+
How do I use visitor insurance if I need care in the USA?+
Full country guide
🇨🇷 Visitor Insurance for Costa Ricans visiting the USA
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