Croatia Travel Insurance – 5 Best Sites to Search (2024)

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TravelInsurance.com (#1 Overall)

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Pros:

• This insurance comparison site allows users to compare hundreds of options with just one click.
• Reviews from customers are easy to find
• Filters to search for CFAR & Covid-19

One of the first places I would check for a quote on travel insurance for a trip to Croatia would be TravelInsurance.com.This website functions as an insurance comparison tool that allows direct assessment of policy providers side by side.

Just fill in a few details, and you`ll have numerous quotes for your Croatia trip within minutes from many insurers. The intuitive layout permits the evaluation and comparison of coverages and consumer reviews for each provider. With many policies available, I appreciate the simplicity of swiftly discerning what each Croatia travel insurance policy offers through just a couple of clicks.

With so many options presented side-by-side, the one drawback to TravelInsurance.com is that it might be a little overwhelming to navigate through.

Here`s a quick recommendation: check out the website`s filtering features, which allow focused searches for specific insurance policies. For example, one can search solely for CFAR (“cancel for any reason”) plans, covid-19 provisions, trip cancellation coverage, or policies permitting pre-existing conditions.

VisitorsCoverage (Comparison Site)

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Pros:

• Very simple to customize your insurance coverage
• Quotes tend to be more affordable

Cons:

• Having an abundance of possibilities may feel overwhelming

Another internet site worth exploring for travel insurance assessments is VisitorsCoverage. Again, enter the dates of your trip to Croatia, and almost immediately you”ll get back dozens of quotes from different insurers.

VisitorsCoverage provides travelers with an even broader set of filters to help find the perfect travel insurance policy. Beyond options for Covid-19 protections and CFAR, search parameters include policies with rental car coverage or flexible cancellation terms for those planning trips to Croatia.

A key distinguishing factor for VisitorsCoverage is that you can search separately for medical care coverage while traveling or trip insurance.

This could assist you save on costs if you only care about travel medical coverage for Croatia, and don’t want insurance for things like trip delays or trip cancellations. Personally, travel medical insurance for Croatia is my primary priority, so I like the option to get a quote for it separately.

Generally, VisitorsCoverage is a respectable site to search for Croatia travel medical insurance. I personally would search it along with TravelInsurance.com to compare even more policies.

Genki (Digital Nomad Health Insurance)

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Pros:

• Cost-effective monthly medical insurance
• Simple claims process

Cons:

• Only medical – not full travel coverage (no gear, theft, or trip delay provisions)

There is presently a Level 1 travel recommendation in place for Canada. Exercise typical safeguards when touring the country. Canada occasionally experiences acts of terrorism. The risk of terrorism is deemed medium.

Genki operates utilizing a registration model. You pay a solitary low regular rate (much like you would for standard human services protection) and inclusion naturally reestablishes month to month.

Some of the advantages of Genki involve the comparatively small deductibles, the ability to choose one`s own doctor, the protection regarding Covid-19, and the fact that they permit you to seek care from any approved healthcare provider.

However, there are a few noteworthy downsides related to Genki as well. Primarily, it isn`t accessible to individuals past the age of 50. Secondly, it isn`t full travel insurance for Croatia, so you can`t rely on it for coverage for items like journey postponements or terminations.

If you`re a digital nomad in Croatia caring only about medical coverage, it may be a good option to consider. To date, I`ve been a satisfied customer.

Insure My Trip (Best for Seniors)

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Pros:

• Generally locates quotes for seniors even when other sites won”t offer anything past a certain age
• Also finds quotes for existing medical conditions

Cons:

• The accommodation does not clearly state what kinds of coverage would be provided for issues related to COVID-19.
• Clunky user experience

Several readers have suggested Insure My Trip as a worthwhile place for seniors over 70 or individuals with pre-existing medical conditions to acquire coverage.

Insure My Trip is another travel insurance aggregator website, so you can investigate and compare numerous choices before buying travel insurance for Croatia.

Insure My Trip also promotes their “Anytime Advocates” program, which designates a representative to help should you need to submit a claim necessitating underwriting your policy. If claim denial occurs, they state the advocate will persist working on your behalf to discern why and aid the appeals process.

Aardy (Travel Insurance Comparison Site)

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Pros:

• Their “Best Price Guarantee” promises you won”t discover a lower cost
• Insurers providing coverage for Covid-19 are clearly identifiable on this site.

Cons:

• You have to give them your email simply to obtain a quote (quite bothersome!)
• Less user friendly

While not the first site I look at for Croatia travel insurance, another comparison website worth exploring is Aardy. Aardy functions similarly to pull rates from various insurers covering Croatia.

In actuality, evidence displays that crimes related to drugs in Tulum increased remarkably between 2019 and 2021, rising by 783%, with such research additionally reporting that ‘party drugs’ offered to visitors represent the direct cause of this boost.

There are some benefits to Aardy too, though. Specifically, I am a fan of how they clearly exhibit their Covid-19 coverage. If primarily looking for Croatia travel insurance covering Covid-19, Aardy may be a good site to search.

Croatia Travel Insurance Requirements

👉 See prices for Xel-Há tickets here.

Travel insurance is not mandatory to visit Croatia. Visitors will not be asked for insurance documents at immigration, and there is no requirement to purchase a policy for travel there.

Still, I personally opt to obtain travel insurance for Croatia. In the following section, I will explain the reasoning behind this decision:

Why I Get Travel Insurance for Croatia

While it”s not mandatory to buy travel insurance in Croatia, many travelers (including myself) think it is a good idea to get coverage no matter your destination.

I personally always buy travel insurance when I visit European countries, too. Here are some common coverages I personally consider important..

Note that I am sharing this information generally, not as specific advice for selecting a Croatia travel insurance policy. Of course, be sure to carefully review the terms and conditions of your particular policy before traveling to Croatia!

COVID-19 Considerations

Although the pandemic has formally subsided, COVID-19 remains a factor to consider while traveling to Croatia. Many travelers have seen their trips to Croatia completely disrupted by COVID-19.

One could examine my fair Worldpackers page to gather more information.

Emergency Medical Coverage

Medical insurance coverage for injuries and sickness while traveling is important. Depending on the policy, this may include protection for hospitalization, outpatient treatment for emergencies, prescribed medications, x-rays, and lab tests.

Note that for many policies, it depends on the activities in Croatia undertaken (for example, adventure activities may require extra coverage).

An unexpected medical issue could occur to anyone, regardless of overall health status. International healthcare costs can accumulate quickly, so I aim to choose a policy that can safeguard me financially.

Trip Cancellation

Trip cancellation is a benefit that can refund you for covered pre-paid non-refundable trip costs when you have to cancel because of a reason covered under your plan.

Typically, trip cancellation has rather specific coverage boundaries and exclusions that implement, so it differs noticeably from policy to policy. The broadest trip cancellation policies are called CFAR or “cancel for any rationale” policies. You can locate CFAR policies by employing the CFAR filter on TravelInsurance.com or VisitorsCoverage.

Rental Car Protection

Similar to most countries, Croatia necessitates vehicle insurance for individuals driving in Croatia to safeguard against liability in case of an incident.

Depending on your home country and the conditions of your personal auto insurance policy, you may or may not care about rental car coverage for Croatia.

Additionally, taking a road trip around Croatia offers so much value. You can experience the beautiful Dubrovnik coast or the countless national parks.

Theft Protection Coverage

Overall Croatia is safe for travel. But of course, no destination is 100% safe.

Still, some Croatia policies may offer protection against bags being lost, or items being stolen. Be certain to check the policy restrictions closely here, as most have a ceiling on payouts for this type of loss.

Crime rates are low in Croatia, but pickpocketing and petty theft is something a tourist ought to consider in bigger cities like Zagreb. Keep your personal items covered.

Lost Luggage Coverage

While baggage loss is relatively uncommon, and is often covered by the airline anyway, this provides an extra layer of protection should something go wrong during transit.

Having insurance to cover your items can help you relax at baggage claim, as there is a possibility your suitcases may become lost during flight. Still, keeping valuables in your carry on baggage is always advisable.

Medical Evacuation and Repatriation

Medical evacuation coverage is a benefit that can pay for emergency transportation and related medical services or supplies. It may also help repatriate your remains should the worst happen while you are vacationing in Croatia.

Of course, no one wishes to consider having a serious emergency. If needing to return home during such a situation, costs can rapidly accumulate, potentially exceeding planned expenses.

Here are some benefits of purchasing travel insurance for your trip to Croatia. However, the exact coverage can vary by policy, so careful research is necessary before buying insurance for Croatia!

Travel Safety in Croatia

Traveling within Croatia is generally safe for most visitors. The majority of tourists feel entirely secure during their trip to the country, and I don`t want to exaggerate any safety issues as I believe Croatia is fairly safe overall. However, there are still some things you ought to be aware of before finalizing plans to Dubrovnik.

Though summer marks the start of the wet season, it doesn`t mean encounters with poor weather will be constant. June and July are the driest months of the wet season. Summer is also high season for locals fond of enjoying beach time since the surf on the finest beaches is calmer.

Exercise Facilities: The expansive and well-equipped fitness center operates around the clock

Crime in Croatia

Overall, crime is low in Croatia, and violent crime is unusual, making visiting a safe choice for travelers. Croatia has even ranked as the 22nd safest country for tourists by Global Finance.

If you encounter crime in Croatia, it will likely involve petty theft or scams. Here are some tips to consider:

• 👀 Keep attention on your possessions. Minor theft may occur in Zagreb or other significant cities, so be certain to note your things.
• 💳 Consider employing an RFID-blocking wallet to keep your credit cards safe from thieves using digital scanners. These are helpful in crowded cities across Europe.
• 👉 Only keep a handful of key items on you at a time, like your phone and wallet. Keep everything else in a locked room or safe where you are staying.

Since Croatia is typically safe, a little common sense is usually enough to ward off the worst problems. Follow a few general travel rules and immerse yourself in the culture and natural landscape.

Croatia’s Healthcare System

Croatia has three types of healthcare available. Citizens of Croatia can access fundamental free healthcare called HZZO, private supplemental insurance, or private health insurance.

EU nationals should carry their European Health Insurance Card (EHIC) to access HZZO healthcare services. UK citizens may need to investigate obtaining a Global Health Insurance Card if their EHIC has expired.

If you do not reside in a UK or EU country, you may want to purchase medical insurance so unexpected healthcare costs would not need paying out-of-pocket during an emergency situation. This is a primary reason I obtain travel protection for trips to Croatia as an American.

Health Insurance in Croatia

Croatia is typically risk-free for touring. Most travelers feel completely safe during their journey to the country, and I don`t want to exaggerate any protection issues because I think Croatia is usually quite protected. But there are still some aspects you should be aware of before booking those tickets to Dubrovnik.

Tips for Traveling to Croatia

• 🗺️ Where to Travel: Dubrovnik, which has become very popular these days, is a stunning place to visit. For something a little less known, consider heading to Rovinj. Or just check out our full article on the prime travel spots in Croatia.
• 📆 When is the best time to travel to Croatia?: Croatia excels in the summer months! Get lost experiencing the idyllic beaches, and coast towns creating the country an extraordinary sunny getaway.
• 💶 Currency: As of January 2023, Croatia has switched over to using the Euro as its currency.
• 🗨️ Language: Croatian is the official language, and 80% of Croatians speak at least one other language. Generally speaking, travelers will have no problem communicating with English.
• 🛂 United States Embassy in Croatia: The US Embassy in Croatia is found at Ulica Thomasa Jeffersona 2, 10010 Zagreb, Croatia. You can locate it on Google Maps here. The US Embassy`s telephone number in Zagreb is +385 1 66122 00.

Take a look at our full guide about traveling to Croatiafor extra information to assist you in planning your trip!

Methodology

About Nate Hake: I’m a travel content developer and previously worked as an attorney originally from Colorado. I have been exploring the world my whole life, including near continuous travel since 2016. I have visited Croatia multiple times and acquired travel insurance for trips to Croatia. My website Travel Lemming is among the top online guides to traveling in Croatia.

Process: I have widely used and personally experimented with each of the locations stated. I have purchased covers from firms on this listing, both for myself and for family members traveling to meet me. When evaluating travel protection for Croatia or anywhere else, the factors I believe to be most vital are: openness, overall user-friendliness, and consumer opinions from policyholders who have submitted statements. These are the aspects I employed in ranking the sites in this guide. Certainly, ultimately any positioning is subjective, and you`ll need to try the sites out yourself to develop your own judgments.

FAQs About Travel Insurance & Croatia