Insurance contracts are considered unilateral because only the insurance company (insurer) makes a promise under the contract. The insurer promises to pay a benefit upon the happening of a certain event, such as an auto accident, death, disability, etc...
Fly into the Tocumen International Airport (PTY) to explore the inviting Central American country, Panama. The airport is located just outside Panama City, and it is currently the busiest and largest airport in Central America.
I don't know anything about boat service between the two, so the only suggestion I have is to look for deals on flights, which occur surprisingly frequently in Latin American countries. You can also drive or bus or boat to Panama from Costa Rica and fly from Panama to Colombia. If you don't care about safety, I've heard it's possible to hire Colombian guides and hike across the mountains separating Panama and Colombia.