What are the best travel insurances for Albania in 2025?

Partner logo
17€
Partner logo
12€
Partner logo
19€
A. Fruchard
A. Fruchard updated on July 16, 2025
Table of Contents
  • The best travel insurance plans for Albania
  • Is it currently safe to travel to Albania?
  • Is travel insurance required by law to enter Albania?
  • Why take out travel insurance for Albania?
  • Essential Travel Insurance Coverage for Albania
  • The Cost of Travel Insurance for Albania
  • How to pay less for your travel insurance to Albania
  • Can I rely on my current insurance to cover me in Albania?
  • FAQ
icon

Travel insurance for Albania: key takeaways

1. Definition: Travel insurance for Albania covers medical emergencies, trip cancellation, and other unforeseen travel incidents.
2. Key protection: Insurance is not mandatory for US citizens but is vital for medical and evacuation costs.
3. Healthcare cost: A private hospital stay can cost upwards of $200 per night for foreign visitors.
4. Price: A one-week travel insurance policy for Albania typically costs between $25 and $50.
5. Good to know: Ensure your policy covers medical evacuation, as advanced medical care is limited outside Tirana.

icon

Why trust HelloSafe?

HelloSafe is an international specialist in travel insurance comparison, advising over one million travelers every month. After analyzing 38 travel insurance policies available in the US, our experts share here everything you need to know to choose the best travel insurance for Albania.

The best travel insurance plans for Albania

Contract we recommendMedical reimbursement limitOur view
HelloTravel Premium$1.1MStrong choice for safe travel to Albania, covering major risks.
- high medical ceiling
- repatriation included
- clear exclusions
Cap Assistance 24/24$1.1MReliable for emergencies and support in Albania.
- 24/7 helpline
- cancellation refund
- no deductible
Tourist Card$0.55MPractical plan for tourists in Albania, broad eligibility.
- solid hospital cover
- emergency response
- cost effective
Travel Pass Monde$0.77MBalanced protection for travel within Albania.
- good for hospitalization
- repatriation managed
- reasonable upper limit
Globe Partner$0.33MSuitable for longer or recurrent stays in Albania.
- major medical emergencies
- liability cover
- clear claims process
Globe Traveller$0.55MUseful for short and low-risk trips to Albania.
- covers essentials
- rapid claim system
- capped limit
Comparison of recommended travel insurance contracts for Albania.
HelloTravel Premium
Medical reimbursement limit
$1.1M
Our view
Strong choice for safe travel to Albania, covering major risks.
- high medical ceiling
- repatriation included
- clear exclusions
Cap Assistance 24/24
Medical reimbursement limit
$1.1M
Our view
Reliable for emergencies and support in Albania.
- 24/7 helpline
- cancellation refund
- no deductible
Tourist Card
Medical reimbursement limit
$0.55M
Our view
Practical plan for tourists in Albania, broad eligibility.
- solid hospital cover
- emergency response
- cost effective
Travel Pass Monde
Medical reimbursement limit
$0.77M
Our view
Balanced protection for travel within Albania.
- good for hospitalization
- repatriation managed
- reasonable upper limit
Globe Partner
Medical reimbursement limit
$0.33M
Our view
Suitable for longer or recurrent stays in Albania.
- major medical emergencies
- liability cover
- clear claims process
Globe Traveller
Medical reimbursement limit
$0.55M
Our view
Useful for short and low-risk trips to Albania.
- covers essentials
- rapid claim system
- capped limit
Comparison of recommended travel insurance contracts for Albania.
? Compare the best travel insurance for freeI compare

Is it currently safe to travel to Albania?

As of June 2025, the US Department of State maintains a Level 2 advisory for Albania, requesting travelers exercise increased caution due to ongoing crime issues and limited police capability in some areas.

  • Security risks: organized crime and targeted violence, particularly linked to illicit drug networks, occur countrywide. Remote regions such as the Albanian Alps often see reduced law enforcement presence.
  • Health risks: no vaccinations are required, but tap water is not potable. In rural areas, emergency medical services may be limited and bottled water is advised even in cities.
  • Legal requirements: passports must be valid at least three months past arrival. For certain areas, proof of funds and onward ticket may be requested by border authorities.
  • Urban risks: thefts from unattended vehicles are reported, especially in tourist spots or public parking areas. Travelers should inspect cars and avoid leaving valuables inside.

Although not required, travel insurance is strongly recommended by the US Department of State, particularly to cover medical expenses and emergency repatriation, which can be extremely costly in Albania.

Is travel insurance required by law to enter Albania?

No, travel insurance is not mandatory for U.S. citizens to enter Albania for tourist stays of up to one year.

Travel insurance is strongly recommended because medical care is limited outside major cities and repatriation or emergency treatment can be very expensive. It also provides financial protection against theft, loss, or unexpected incidents.

According to our data, 50% of travelers purchase travel insurance before going to Albania because, while it is considered a safe European destination, access to quality health care is restricted in rural areas.

Why take out travel insurance for Albania?

It is an essential financial and medical protection for anyone going to Albania.

In Albania, public hospitals often lack up-to-date medical technology and can be overcrowded, particularly outside Tirana. Foreigners seeking treatment are typically directed to private clinics such as Hygeia Hospital Tirana, where the cost of care is higher and advance payment may be required.

Travel insurance covers medical fees, hospitalization, medication, ambulance transport, and emergency repatriation to the US if a serious incident occurs.

Here are some examples of healthcare costs in Albania.

Example of medical treatmentCost at Hygeia Hospital TiranaCovered by travel insurance
I have to be hospitalized 48 hours after contracting an infection70,000 ALL (about $720)up to 100%
I broke my tibia (X-ray, cast, and crutch rental)50,000 ALL (about $510)up to 100%
I need to be repatriated900,000 ALL (about $9,300)up to 100%
I have appendicitis (consultation and surgery)200,000 ALL (about $2,070)up to 100%
Examples of medical costs in Tirana and insurance coverage.
I have to be hospitalized 48 hours after contracting an infection
Cost at Hygeia Hospital Tirana
70,000 ALL (about $720)
Covered by travel insurance
up to 100%
I broke my tibia (X-ray, cast, and crutch rental)
Cost at Hygeia Hospital Tirana
50,000 ALL (about $510)
Covered by travel insurance
up to 100%
I need to be repatriated
Cost at Hygeia Hospital Tirana
900,000 ALL (about $9,300)
Covered by travel insurance
up to 100%
I have appendicitis (consultation and surgery)
Cost at Hygeia Hospital Tirana
200,000 ALL (about $2,070)
Covered by travel insurance
up to 100%
Examples of medical costs in Tirana and insurance coverage.

These prices are given as an indication and may vary depending on the facilities and regions.

It is therefore essential to take out appropriate travel insurance to avoid unexpected and potentially high expenses.

Essential Travel Insurance Coverage for Albania

Here is a summary table of the main coverages you should look for in a travel insurance policy for Albania.

Main coveragesExplanations and recommendations
? Medical expensesCovers emergency healthcare, hospital stays, and doctor visits if you are unwell or injured.
We recommend a reimbursement limit of at least $75,000.
✈️ Trip cancellationProtects the cost of your trip if you have to cancel for a covered reason, such as illness or accident.
Choose a limit of at least $2,000 per person.
? Medical evacuationPays for transport to a suitable hospital or repatriation to the US if needed.
A minimum coverage of $150,000 is advised due to distance.
? Baggage loss/delayCovers lost, stolen, or delayed luggage and essentials.
Set a limit of at least $1,000 per traveler.
? Emergency dental careTakes care of urgent dental treatment from injury or sudden pain.
A limit of $750 should be adequate.
?‍⚖️ Personal liabilityCovers accidental damage to third-party property or injury to others.
We recommend at least $50,000 in liability coverage.
? 24/7 assistance servicesAccess to an English-speaking support hotline for emergencies.
Pick a policy with responsive service and practical support.
Table of main travel insurance coverages with explanations and recommendations.
? Medical expenses
Explanations and recommendations
Covers emergency healthcare, hospital stays, and doctor visits if you are unwell or injured.
We recommend a reimbursement limit of at least $75,000.
✈️ Trip cancellation
Explanations and recommendations
Protects the cost of your trip if you have to cancel for a covered reason, such as illness or accident.
Choose a limit of at least $2,000 per person.
? Medical evacuation
Explanations and recommendations
Pays for transport to a suitable hospital or repatriation to the US if needed.
A minimum coverage of $150,000 is advised due to distance.
? Baggage loss/delay
Explanations and recommendations
Covers lost, stolen, or delayed luggage and essentials.
Set a limit of at least $1,000 per traveler.
? Emergency dental care
Explanations and recommendations
Takes care of urgent dental treatment from injury or sudden pain.
A limit of $750 should be adequate.
?‍⚖️ Personal liability
Explanations and recommendations
Covers accidental damage to third-party property or injury to others.
We recommend at least $50,000 in liability coverage.
? 24/7 assistance services
Explanations and recommendations
Access to an English-speaking support hotline for emergencies.
Pick a policy with responsive service and practical support.
Table of main travel insurance coverages with explanations and recommendations.

Travel insurance from local providers or bank cards often means lower coverage limits and many exclusions. It is safer to select a reputable insurer with thorough protection. Compare trusted options on HelloSafe and subscribe online for instant certification.

The Cost of Travel Insurance for Albania

Trip durationTraveler’s ageIndicative price per person
1 week25 years old$18
2 weeks45 years old$32
1 month35 years old$48
1 month70 years old$110
Table of indicative prices per person based on trip duration and traveler's age.
1 week
Traveler’s age
25 years old
Indicative price per person
$18
2 weeks
Traveler’s age
45 years old
Indicative price per person
$32
1 month
Traveler’s age
35 years old
Indicative price per person
$48
1 month
Traveler’s age
70 years old
Indicative price per person
$110
Table of indicative prices per person based on trip duration and traveler's age.

These prices are indicative and may vary depending on the coverage chosen and the specifics of each insurer.

icon

Good to know

The price of your travel insurance policy will vary. Key factors include: your age, the trip's duration, your destination, your desired coverage limits, and any optional add-ons like trip cancellation. Keeping these elements in mind is essential to choosing the right plan for your needs and budget, ensuring a stress-free trip.

? It is always recommended to compare multiple offers to find the best value-for-money plan for you. You can use HelloSafe.

? Compare the best travel insurance for freeI compare

How to pay less for your travel insurance to Albania

Here are some suggestions to optimize the cost of your travel insurance to Albania while keeping good coverage:

CriteriaWhy it mattersExpert tip
? Trip durationThe total length of your stay impacts the price. Fewer days will reduce your premium.Match your policy dates exactly to your trip to avoid paying extra for unnecessary days.
? Level of coverageAlbania offers basic public health. Higher limits cost more but may not be needed by all.Select coverage matching local costs and avoid unnecessarily high limits for non-medical incidents.
?‍?‍? Number of travelersInsuring several people can lower the average price per person, especially for families.Choose a group or family plan for potential discounts over individual policies.
?‍? Traveller's ageAge affects premiums, with the highest rates for older people.Compare providers and note Heymondo does not raise rates for people over 62 years old.
?‍♂️ Activities coveredAdventure activities and sports are extra cost. Albania attracts hikers but coverage varies.Only include coverage for risky activities if you plan to participate.
? Deductible amountHigher deductibles lower the premium but mean larger out-of-pocket costs.Choose a higher deductible only if you can afford minor expenses not covered by insurance.
? Geographic coverageSome plans cover wider regions, which increases costs. Albania-only coverage is less expensive.Pick Europe or Albania-focused policies unless traveling onward to other destinations.
? Trip duration
Why it matters
The total length of your stay impacts the price. Fewer days will reduce your premium.
Expert tip
Match your policy dates exactly to your trip to avoid paying extra for unnecessary days.
? Level of coverage
Why it matters
Albania offers basic public health. Higher limits cost more but may not be needed by all.
Expert tip
Select coverage matching local costs and avoid unnecessarily high limits for non-medical incidents.
?‍?‍? Number of travelers
Why it matters
Insuring several people can lower the average price per person, especially for families.
Expert tip
Choose a group or family plan for potential discounts over individual policies.
?‍? Traveller's age
Why it matters
Age affects premiums, with the highest rates for older people.
Expert tip
Compare providers and note Heymondo does not raise rates for people over 62 years old.
?‍♂️ Activities covered
Why it matters
Adventure activities and sports are extra cost. Albania attracts hikers but coverage varies.
Expert tip
Only include coverage for risky activities if you plan to participate.
? Deductible amount
Why it matters
Higher deductibles lower the premium but mean larger out-of-pocket costs.
Expert tip
Choose a higher deductible only if you can afford minor expenses not covered by insurance.
? Geographic coverage
Why it matters
Some plans cover wider regions, which increases costs. Albania-only coverage is less expensive.
Expert tip
Pick Europe or Albania-focused policies unless traveling onward to other destinations.

Can I rely on my current insurance to cover me in Albania?

It is completely legitimate to wonder whether your existing coverage—such as credit card insurance or your health plan—can protect you during a trip to Albania. Unfortunately, this coverage is often limited or insufficient, especially for medical emergencies or hospital stays abroad. Here is a summary table to help you review your current insurance and what it covers.

Type of insuranceValid in Albania?What it coversWhy Travel Insurance is better
Public health insurance (Medicare, Medicaid)No, neverNo coverage outside the US. No reimbursement for health expenses, evacuation, or hospitalization in Albania.Travel insurance covers up to $1,000,000 for care and evacuation abroad.
Private health insurance (Blue Cross Blue Shield, Aetna, Cigna)Yes, partlySome plans reimburse abroad, but limits are typically $25,000–$50,000. No medical evacuation coverage.Travel insurance covers up to $500,000 for emergencies, including evacuation.
Classic credit card (Chase Freedom, Citi Simplicity, Capital One Platinum)Yes, partlyMedical expense limit usually under $2,500. No evacuation, luggage, or trip cancellation benefits included.Travel insurance reimburses medical costs up to $500,000 plus lost luggage and cancellation.
Premium credit card (Chase Sapphire Reserve, Amex Platinum, Capital One Venture X)Yes, partlyMedical reimbursement up to $100,000, limited baggage and travel delay. No 24/7 assistance or high limits.Travel insurance can cover $1,000,000 and provide global 24/7 support.
Comparison of insurance coverage options for travelers in Albania.
Public health insurance (Medicare, Medicaid)
Valid in Albania?
No, never
What it covers
No coverage outside the US. No reimbursement for health expenses, evacuation, or hospitalization in Albania.
Why Travel Insurance is better
Travel insurance covers up to $1,000,000 for care and evacuation abroad.
Private health insurance (Blue Cross Blue Shield, Aetna, Cigna)
Valid in Albania?
Yes, partly
What it covers
Some plans reimburse abroad, but limits are typically $25,000–$50,000. No medical evacuation coverage.
Why Travel Insurance is better
Travel insurance covers up to $500,000 for emergencies, including evacuation.
Classic credit card (Chase Freedom, Citi Simplicity, Capital One Platinum)
Valid in Albania?
Yes, partly
What it covers
Medical expense limit usually under $2,500. No evacuation, luggage, or trip cancellation benefits included.
Why Travel Insurance is better
Travel insurance reimburses medical costs up to $500,000 plus lost luggage and cancellation.
Premium credit card (Chase Sapphire Reserve, Amex Platinum, Capital One Venture X)
Valid in Albania?
Yes, partly
What it covers
Medical reimbursement up to $100,000, limited baggage and travel delay. No 24/7 assistance or high limits.
Why Travel Insurance is better
Travel insurance can cover $1,000,000 and provide global 24/7 support.
Comparison of insurance coverage options for travelers in Albania.
icon

Example

While hiking the Albanian Alps, Mark suffered a severe leg fracture. A helicopter evacuation and surgery in Tirana cost $25,000. His Chase Sapphire card covered only $2,000 for emergency transport, and his US health plan wouldn't cover foreign private clinics, leaving him with a shocking $23,000 bill.

icon

Expert advice

Always check the terms, exclusions, and limits of your existing insurance. Essential situations, like trip interruption due to a relative’s illness or death, might be excluded. Read the conditions carefully to avoid unpleasant surprises abroad. In all cases, it is safer and more reassuring to purchase dedicated travel insurance tailored to your trip.

FAQ

Do I need a visa to travel to Albania?

U.S. citizens do not need a visa for tourist or business visits to Albania of up to one year. You must have a valid passport that is good for at least three months beyond your planned entry date. If your stay will be longer than one year or for other purposes, check the requirements with the Albanian authorities in advance.

How do I purchase travel insurance for Albania?

First, compare several travel insurance offers using the HelloSafe travel insurance comparison tool. Next, review the coverage for Albania, paying special attention to exclusions or guarantees specific to the destination. Then, buy your policy securely online. Finally, you will receive your insurance certificate by email, which you should keep handy for your trip.

Do U.S. healthcare or credit card plans cover medical care in Albania?

Generally, U.S. health plans and most credit card benefits do not provide comprehensive coverage for medical treatment or hospitalization in Albania. Emergency evacuation and direct payment to local hospitals are usually excluded. Travel insurance offers broader international medical coverage and 24/7 assistance in case of emergencies.

Is emergency medical care easily available in Albania?

In Albania’s main cities, you will find hospitals and clinics, but in remote regions, medical facilities and ambulance services are limited. Payment for services is often required upfront, and care quality may differ from U.S. standards. For any unexpected serious illness or injury, travel insurance can arrange for medical evacuation if needed.

Will my travel insurance cover lost luggage or travel delays in Albania?

Most travel insurance plans offer reimbursement for lost, stolen, or delayed luggage and cover expenses if your travel plans are disrupted. Depending on your policy, you may also receive compensation for hotel stays, meals, and other costs caused by trip delays or missed connections. Always confirm limits and documentation requirements in your policy.

Are adventure or sports activities in Albania covered by travel insurance?

Not all insurance plans cover injuries from adventure activities, such as hiking, mountain biking, or water sports, unless they are specifically named in the policy. Some insurers require you to add optional coverage for these activities. Review your policy carefully if you plan to participate in sports or adventure tourism in Albania.

Do I need a visa to travel to Albania?

U.S. citizens do not need a visa for tourist or business visits to Albania of up to one year. You must have a valid passport that is good for at least three months beyond your planned entry date. If your stay will be longer than one year or for other purposes, check the requirements with the Albanian authorities in advance.

How do I purchase travel insurance for Albania?

First, compare several travel insurance offers using the HelloSafe travel insurance comparison tool. Next, review the coverage for Albania, paying special attention to exclusions or guarantees specific to the destination. Then, buy your policy securely online. Finally, you will receive your insurance certificate by email, which you should keep handy for your trip.

Do U.S. healthcare or credit card plans cover medical care in Albania?

Generally, U.S. health plans and most credit card benefits do not provide comprehensive coverage for medical treatment or hospitalization in Albania. Emergency evacuation and direct payment to local hospitals are usually excluded. Travel insurance offers broader international medical coverage and 24/7 assistance in case of emergencies.

Is emergency medical care easily available in Albania?

In Albania’s main cities, you will find hospitals and clinics, but in remote regions, medical facilities and ambulance services are limited. Payment for services is often required upfront, and care quality may differ from U.S. standards. For any unexpected serious illness or injury, travel insurance can arrange for medical evacuation if needed.

Will my travel insurance cover lost luggage or travel delays in Albania?

Most travel insurance plans offer reimbursement for lost, stolen, or delayed luggage and cover expenses if your travel plans are disrupted. Depending on your policy, you may also receive compensation for hotel stays, meals, and other costs caused by trip delays or missed connections. Always confirm limits and documentation requirements in your policy.

Are adventure or sports activities in Albania covered by travel insurance?

Not all insurance plans cover injuries from adventure activities, such as hiking, mountain biking, or water sports, unless they are specifically named in the policy. Some insurers require you to add optional coverage for these activities. Review your policy carefully if you plan to participate in sports or adventure tourism in Albania.

A. Fruchard
A. Fruchard
Insurance expert
HelloSafe
Co-founder of HelloSafe and an experienced entrepreneur in the insurance and personal finance sector, Antoine uses his experience and in-depth knowledge of the market to help Internet users make the right choices. With an MBA in economics, he is a committed expert whose mission is to make personal finance and insurance issues simple and understandable. With a rich career marked by the creation of innovative companies, Antoine's ambition has always been to bring transparency to complex issues and to give power back to consumers. With HelloSafe, he continues to translate this vision by providing accurate advice, impartial comparisons and detailed explanations of travel insurance. He has analysed hundreds of contracts to reveal the best options available on the market.

Ask a question, an expert will answer