Destination guide
Cocos Island
"Hammerheads of the Pacific"
Specialist coverage
Coverage requirements
A 36-hour boat ride from mainland Costa Rica, Cocos liveaboards run $6,000–$9,000 per person and have no nearby chamber. Cancellation exposure is high — most guests fly in from abroad with non-refundable charter components — and SAR/evacuation back to San José is a charter operation.
Primary requirement
Trip cancellation sized to full liveaboard cost ($6k–$9k pp)
Additional requirements
- 2 Medical evacuation $250k+ (charter from Cocos to mainland)
- 3 Scuba coverage validated to certified depth
- 4 Hyperbaric chamber treatment included
Regional risk levels
Recommended medical evacuation coverage by region
Cocos Island liveaboard
Extreme risk Rec. Coverage $250k+
Costa Rica mainland transit
Moderate risk Rec. Coverage $50k - $100k
Booked for Cocos Island?
Most operators require you to have insurance finalized 90 days before departure.
Get compliant quoteCoverage checklist
- Medical evacuation
- Repatriation
- Trip cancellation
- Delay & missed connection
- Baggage protection
- COVID-19 coverage