Short answer

Insurance requirements across the Americas and Caribbean vary widely — from no insurance requirement, to a fixed minimum amount, to coverage that must be valid in the destination’s territory. This hub links every Americas route we track (see the directory below) and works through Costa Rica in detail as an example: Executive Decree 43619 requires health insurance with at least US $50,000 in medical coverage and coverage for the full authorized legal stay period (Source: CR_DECREE_43619_2026, locator: Article 9; verified 2026-01-12). For any route, the compliance checker shows the live, evidence-based status.

Key findings at a glance

ItemValue
Route coveredCosta Rica Digital Nomad Visa
Evidence verified2026-01-12
Snapshot2026-06-13
Minimum coverageUS $50,000 (medical expenses)
Coverage durationFull authorized legal stay

What the authority requires

  • Health insurance is mandatory for the digital nomad visa. (Source: CR_DECREE_43619_2026, locator: Article 9; verified 2026-01-12)
  • Minimum medical coverage is US $50,000 for illnesses in Costa Rica. (Source: CR_DECREE_43619_2026, locator: Article 9 - Minimum Coverage Amount; verified 2026-01-12)
  • The policy must cover the entire authorized legal stay period. (Source: CR_DECREE_43619_2026, locator: Article 9 - Coverage Duration; verified 2026-01-12)

Normalized requirements table:

RequirementSource URLLocatorVerified date
Health insurance is mandatoryhttp://www.pgrweb.go.cr/scij/Busqueda/Normativa/Normas/nrm_texto_completo.aspx?nValor1=1&nValor2=97374&nValor3=131405Article 92026-01-12
Minimum medical coverage US $50,000http://www.pgrweb.go.cr/scij/Busqueda/Normativa/Normas/nrm_texto_completo.aspx?nValor1=1&nValor2=97374&nValor3=131405Article 9 - Minimum Coverage Amount2026-01-12
Policy covers full authorized stayhttp://www.pgrweb.go.cr/scij/Busqueda/Normativa/Normas/nrm_texto_completo.aspx?nValor1=1&nValor2=97374&nValor3=131405Article 9 - Coverage Duration2026-01-12

Verified requirements (PASS/FAIL/UNKNOWN)

RequirementStatusEvidence
Health insurance is mandatoryPASSExecutive Decree 43619, Article 9
Minimum medical coverage >= US $50,000PASSExecutive Decree 43619, Article 9
Policy covers full authorized stayPASSExecutive Decree 43619, Article 9

How we evaluate

The checker looks for explicit evidence of the minimum coverage amount and coverage duration. If product documents do not state US $50,000 or do not show coverage for the full authorized stay, the result is UNKNOWN rather than inferred. Missing proof is never treated as compliance. See /methodology/ for evaluation logic and the UNKNOWN > Wrong principle.

In practice, the two most common gaps are missing coverage amounts and unclear dates. If the policy summary only describes coverage generically, the checker cannot confirm the US $50,000 minimum or the full-stay duration requirement. The evidence-first rule prevents the system from guessing.

Proof package checklist

  • Policy certificate or document showing minimum medical coverage of US $50,000. (Source: CR_DECREE_43619_2026)
  • Policy dates or wording that clearly show coverage for the full authorized legal stay. (Source: CR_DECREE_43619_2026)
  • If coverage limits or dates are on a separate endorsement, include that page so the minimum amount and duration are explicit.

Common rejection traps

  • Submitting a policy that omits the US $50,000 minimum coverage amount.
  • Coverage dates that do not match the full authorized stay period.
  • INFERENCE: Policies that describe coverage generally but omit the minimum amount or duration can lead to UNKNOWN results.
  • INFERENCE: Using a certificate without a coverage amount even when the insurer has a limit on file.

FAQ

Q: What is the minimum coverage in the Americas routes listed? A: Costa Rica requires at least US $50,000 in medical coverage (Source: CR_DECREE_43619_2026, Article 9; verified 2026-01-12). This is the only verified Americas route in the current dataset.

Q: Why are some product matches RED or UNKNOWN in the Americas? A: RED means product evidence conflicts with a requirement; UNKNOWN means a requirement is not confirmed by evidence.

Q: Does the policy need to cover the entire stay? A: Yes. The decree states the policy must cover the full authorized legal stay period (Source: CR_DECREE_43619_2026, Article 9; verified 2026-01-12).

Q: Can requirements change during the year? A: Yes. Always compare the evidence date to your application date and re-check the official decree or checklist.

Check in the engine

Use the compliance checker for route-specific results. Example link:

Mapping results summary

As of snapshot 2026-06-13, example product outcomes for Costa Rica are:

RouteSafetyWingWorld NomadsGenki
Costa Rica DNYELLOWGREENGREEN

YELLOW indicates partial evidence in the current snapshot. It often means the policy meets some requirements but lacks explicit documentation for the minimum amount or full-stay duration.

If you see YELLOW or UNKNOWN, open the route page and compare the authority wording to your policy certificate. The checker is intentionally conservative when amounts or dates are not explicit.

Americas routes in this dataset

Every Americas and Caribbean route we track, with its insurance guide. Open any one for the verbatim authority requirement and the live product status, or use the compliance checker directly.

Disclaimer + Affiliate disclosure

Not legal advice. Compliance results are evidence-based snapshots.

If an affiliate link is present, it appears only after results and does not change the compliance outcome.

Last updated: 2026-06-16

Evidence log

  • Source: CR_DECREE_43619_2026