Banco Promerica review

Updated September 28, 2026 · AssureCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Banco Promerica suits people in Costa Rica who want personal cover arranged through a bank broker, with premiums running $2.50 to $14. Its health, life and travel list is broad for a bank, and the sum insured of Sum insured USD 1,000 to USD 10,000 (Plan 1 to Plan 4) is the figure to weigh.

Key facts

Best for
Costa Rican households wanting personal insurance arranged through their bank at a low entry premium.
Premium from
$2.50 to $14 (Source, checked September 26, 2026)
Insurance types
Health, Life, Travel, Dental, Critical-illness, Income-protection (Source, checked September 26, 2026)
Provider type
Broker (Source, checked September 26, 2026)
Excess from
CRC 35,000 (Source, checked September 26, 2026)
Cover limit
Sum insured USD 1,000 to USD 10,000 (Plan 1 to Plan 4) (Source, checked September 26, 2026)
Legal entity
Banco Promerica de Costa Rica S.A. (Source, checked September 26, 2026)
Headquarters
Costa Rica (Source, checked September 26, 2026)
Support channels
Email, Phone, Help-centre (Source, checked September 26, 2026)
Official website
promerica.fi.cr

Apps and profiles

Get the app
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Elsewhere
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Pros and cons

Pros

  • Premiums run $2.50 to $14, a low entry point for personal cover in Costa Rica.
  • Cover spans health, life and travel, so health, life, travel, dental, critical illness and income protection sit with a single broker.
  • A SUGESE registration, G07-43-A12-1041, ties the policy to Costa Rica's insurance regulator.
  • Support runs on email, phone and help centre, with both phone and email listed for claims and queries.

Cons

  • Support runs on email, phone and help centre only, so there is no live chat or community forum listed.
  • A sum insured of Sum insured USD 1,000 to USD 10,000 (Plan 1 to Plan 4) on the digital fraud policy caps the payout, and the excess of CRC 35,000 comes off a claim first.
  • Banco Promerica is listed as a broker, broker, so ask which insurer underwrites a policy and confirm the sum insured and excess with that insurer before you pay.
  • The health, life and travel list stays inside personal lines, while Good Sam Insurance Agency's auto, home and renters reaches vehicles, homes and pets.
Banco Promerica

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Who it suits

  • People in Costa Rica who bank with Banco Promerica and want health, life, travel, dental, critical illness or income protection arranged together.
  • Shoppers who judge a policy by its entry premium of $2.50 to $14 and its excess of CRC 35,000 rather than by the size of the sum insured.
  • Readers who want a named regulator behind the arrangement, which here is SUGESE with registration G07-43-A12-1041.

Who should look elsewhere

  • Anyone shopping for vehicle, home or pet cover, who should read Good Sam Insurance Agency and its auto, home and renters instead.
  • Borrowers comparing credit costs, who should look at Oney Préstamos ES, where the €1,000 figure is a loan amount rather than an insurance premium.
  • People who want live chat or a community forum, since support runs on email, phone and help centre only.

What cover costs

Costs come as a range: premiums run $2.50 to $14. The excess is CRC 35,000, quoted in colones while the premium is in dollars, so the two figures do not sit in the same currency and a claim leaves you the excess before any payout starts. For anyone tracking monthly outgoings, the top of the premium range is the number that matters rather than the entry point. Setting the two against each other is misleading, because the currency differs and the excess is a one-off cost, not a monthly one.

Regulation

The regulator is Costa Rica's insurance supervisor, SUGESE, and the registration for this policy is G07-43-A12-1041. Banco Promerica is a broker, not an insurer, so the registration belongs to the intermediary that places cover with an insurer. Anyone checking the register should look for the broker entry and then ask which insurer stands behind the policy, because a broker registration does not set out what an insurer will pay.

Safety and regulation

Money safety here turns on who carries the risk. Banco Promerica is a broker, so a premium buys a policy held with an insurer rather than staying with the bank, and a bank's balance sheet is not what backs a claim. The SUGESE registration G07-43-A12-1041 confirms the arrangement is supervised in Costa Rica, and it is the reference to quote before you pay. Readers who want the insurer named on the documents should ask for that in writing.

What the policy covers

The list is health, life and travel: health, life, travel, dental, critical illness and income protection, arranged through a single broker. The published limit on the digital fraud policy is a sum insured of Sum insured USD 1,000 to USD 10,000 (Plan 1 to Plan 4), set across its plans. That figure is modest next to the premium range, so on this line the plan chosen decides the payout rather than the price paid. On the health, life and income lines, the premium is the figure to size first.

Who runs it

The legal entity behind the policies is Banco Promerica de Costa Rica S.A., based in Costa Rica and registered with SUGESE under G07-43-A12-1041. It is a bank that also brokers insurance, so the cover sits inside an existing banking relationship and the paperwork runs through the same relationship manager. Support runs on email, phone and help centre, which covers email, phone and a help centre. Have the policy number ready when you call.

How Banco Promerica compares

Where Banco Promerica is available

Available
Costa Rica
Licence in Costa Rica
SUGESE (G07-43-A12-1041), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

How much does cover cost at Banco Promerica?+

Premiums run $2.50 to $14, a range rather than a single price per policy. Compare that with Linxea, where the figure is €25 as a standalone amount. Readers who need the exact price for a particular plan should ask for a quote before they commit, since the published range spans the products rather than each line.

Is there an excess to pay on a claim?+

Yes. The excess is CRC 35,000, and it is quoted in colones while premiums are quoted in dollars. That difference matters for anyone budgeting a claim, because the amount you keep out of pocket is not in the same currency as your premium, and exchange movement lands on you rather than the insurer.

How much would a digital fraud claim pay out?+

The published sum insured is Sum insured USD 1,000 to USD 10,000 (Plan 1 to Plan 4), and the plans differ on that limit, so the plan you hold decides the ceiling. Set that against the excess of CRC 35,000 to work out what a settlement would leave you with, keeping in mind the broker places the policy with an insurer rather than the bank carrying it.

Who regulates Banco Promerica?+

Costa Rica's insurance regulator is SUGESE, and the registration number is G07-43-A12-1041. The bank is a broker rather than an insurer, so it arranges the policy with an insurer. Keep the registration to hand for questions about that arrangement, and ask which insurer is named before you pay anything.

What kinds of insurance does Banco Promerica sell?+

Its health, life and travel list covers health, life, travel, dental, critical illness and income protection. That is personal cover only, with no vehicle or property lines, so it is a narrower range than Good Sam Insurance Agency, whose auto, home and renters runs well beyond health and life.

How do I contact Banco Promerica about a policy?+

Support runs on email, phone and help centre: email, phone and a help centre. There is no live chat or community forum in that list, so a claim outside office hours means a phone call or an email that waits for a reply. Worth knowing early if you weigh claim response times when choosing a broker.

Is Banco Promerica available outside Costa Rica?+

The registration is Costa Rican, G07-43-A12-1041, and the business sits in Costa Rica too, so the policy is written for a single market. If you are an expat or bank across borders, expect claims to follow local rules and local paperwork rather than those of your home country, and check the terms before you buy.

How does Banco Promerica compare with Linxea on price?+

Banco Promerica's premiums run $2.50 to $14, while Linxea's figure is €25. The two are priced in different currencies, so the comparison is only a rough one. Banco Promerica also sells across health, life and travel lines rather than a single life product, which matters more than the entry premium for anyone covering a whole family.

Sources

Compiled from 3 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Monthly payments.

Banco Promerica

Banco Promerica

Costa Rican households wanting personal insurance arranged through their bank at a low entry premium.

9.2/10See alternatives

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