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It's vital that travelers purchase the right type of travel insurance before coming to Costa Rica. Basic insurance tends to cover medical expenses, baggage loss, trip cancellation, accidents and personal liability, but it’s worth spending extra to make sure you’re covered in the event of natural disasters. If you intend to take part in adventure sports, make sure that those particular sports are covered by your policy; for divers, some policies only cover you up to a certain depth.

Worldwide travel insurance is available at www.lonelyplanet.com/travel-insurance. You can buy, extend and claim online anytime – even if you’re already on the road.