There are many things to do in Costa Rica, some of which are dangerous. I am sympathetic with the trauma Mrs. Merritt endured while on vacation here.
If you are going to travel outside of the United States, it would be a good idea to check with your insurance carrier to see if you have coverage (and purchase additional coverage if necessary), or obtain private travel insurance (The options are many and the coverage is quite extensive for as little as $120 for an entire family), or check with your credit card provider to see if your gold or platinum card will cover medical expenses while traveling.
This is especially true if you are going to engage in a dangerous activity in which you have no skill or experience. And this advice would apply wherever your travels take you.