What are the best travel insurances for Bosnia and Herzegovina in 2025?
- The best travel insurance plans to Bosnia and Herzegovina
- Is it currently safe to travel to Bosnia and Herzegovina?
- Is travel insurance required by law to enter Bosnia and Herzegovina?
- Why take out travel insurance for Bosnia and Herzegovina?
- What should travel insurance for Bosnia and Herzegovina cover?
- The Cost of Travel Insurance for Bosnia and Herzegovina
- How to pay less for your travel insurance to Bosnia and Herzegovina
- Your current insurance coverage in Bosnia and Herzegovina
- FAQ
Travel insurance for Bosnia and Herzegovina: key takeaways
1. Definition: Travel insurance for Bosnia and Herzegovina covers medical emergencies, repatriation, and other unexpected travel problems.
2. Key protection: Travel insurance is not required for US citizens but is crucial for covering overseas medical costs.
3. Healthcare cost: Private healthcare is recommended; a hospital night can cost upwards of $200 for foreign visitors.
4. Price: A one-week travel insurance policy for Bosnia and Herzegovina typically costs between $25 and $50.
5. Good to know: Ensure your policy covers adventure sports, as some rural areas may contain unexploded landmines.
Why trust HelloSafe?
HelloSafe is an international specialist in travel insurance comparison, advising over one million travelers every month. After analyzing 41 travel insurance policies available in the US, our experts share here everything you need to know to choose the best travel insurance for Bosnia and Herzegovina.
The best travel insurance plans to Bosnia and Herzegovina
| Contract we recommend | Medical reimbursement limit | Our view |
|---|---|---|
| HelloTravel Premium | $1M | High-quality cover for Bosnia and Herzegovina. - strong medical limit - repatriation included - modern claims process |
| Cap Assistance 24/24 | $1M | Reliable support for travelers seeking peace of mind. - 24/7 medical hotline - cancellation cover - no deductible |
| Tourist Card | $500K | Practical for tourists needing solid care at good value. - good medical cover - emergency help - attractive price |
| Travel Pass Monde | $700K | A balanced solution for longer stays abroad. - repatriation - hospital coverage - wide territorial scope |
| Globe Partner | $300K | Essential guarantees with accessible support. - core medical care - repatriation - civil liability |
| Globe Traveller | $500K | Useful for mid-length, moderate-risk trips. - essential medical cover - fast reimbursement - limited maximum |
- strong medical limit
- repatriation included
- modern claims process
- 24/7 medical hotline
- cancellation cover
- no deductible
- good medical cover
- emergency help
- attractive price
- repatriation
- hospital coverage
- wide territorial scope
- core medical care
- repatriation
- civil liability
- essential medical cover
- fast reimbursement
- limited maximum
Is it currently safe to travel to Bosnia and Herzegovina?
As of June 2025, the US Department of State lists Bosnia and Herzegovina at Level 2: exercise increased caution due to ongoing risks related to crime, terrorism, and land mines. Travel is not officially discouraged, but vigilance is required, especially outside main urban centers.
- Security risks: caution is advised due to the continued presence of land mines in rural and remote areas, especially along former conflict lines. For example, venturing off paved roads in the mountains near Mostar may expose travelers to landmine hazards.
- Health risks: no specific vaccinations are required, but medical facilities are limited outside Sarajevo. Emergency services and care for serious injuries can be significantly delayed, especially in regions far from the capital.
- Legal obligations: travelers must carry valid identification at all times. Police checks are frequent, and lack of proper documents may result in fines or temporary detention.
- Environmental hazards: urban air pollution is a concern in cities such as Sarajevo, particularly during the winter. Localized flooding can disrupt transport and access, especially along the Bosna River.
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 Bosnia and Herzegovina.
Is travel insurance required by law to enter Bosnia and Herzegovina?
No, travel insurance is not mandatory for travelers from the US to enter Bosnia and Herzegovina.
Even though it is not legally required, travel insurance is strongly recommended because medical services can be limited outside major cities. Unexpected accidents or serious illness may require costly medical evacuation, and local care standards can be lower than in the US.
According to our data, 80% of travelers purchase travel insurance before going to Bosnia and Herzegovina, mainly due to concerns about medical costs and the unpredictable local healthcare environment.
Why take out travel insurance for Bosnia and Herzegovina?
It is an essential financial and medical protection for anyone going to Bosnia and Herzegovina.
In Bosnia and Herzegovina, most public hospitals offer basic care, but private clinics such as International Medical Center Sarajevo or Eurofarm Centar in Sarajevo are preferred by foreigners due to higher standards and shorter waiting times. Private care and medical evacuation can be expensive, and English-speaking staff is not always available outside major cities.
Travel insurance covers medical expenses, hospitalization, medication, ambulance transport and repatriation to the US in case of a serious problem.
Here are some examples of healthcare costs in Bosnia and Herzegovina.
| Example of medical treatment | Cost at International Medical Center Sarajevo | Covered by travel insurance |
|---|---|---|
| I have to be hospitalized 48 hours after contracting an infection | 1,200 BAM (about $670 USD) | up to 100% |
| I broke my tibia (X-ray, cast, and crutch rental) | 900 BAM (about $500 USD) | up to 100% |
| I need to be repatriated | 7,500 BAM (about $4,200 USD) | up to 100% |
| I have appendicitis (consultation and surgery) | 3,300 BAM (about $1,850 USD) | up to 100% |
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.
What should travel insurance for Bosnia and Herzegovina cover?
| Main coverages | Explanations and recommendations |
|---|---|
| 🏥 Medical expenses | Covers hospitalization, consultations, treatments, and prescription drugs after an accident or illness. We recommend a reimbursement limit of at least $100,000 per trip. |
| ✈️ Emergency medical evacuation | Pays for transport to a qualified facility or repatriation to the US for medical reasons. Choose a policy with a minimum coverage of $250,000. |
| 🚑 Repatriation of remains | Covers costs for transport of remains to the US in case of death abroad. Minimum recommended limit: $25,000. |
| 🩺 24/7 assistance services | Access to a support center that helps organize care, provides recommendations and interpreter support. Always select a policy including multilingual emergency assistance. |
| 🧳 Lost or delayed baggage | Covers loss, theft or delay of luggage and personal effects. Coverage should start from $1,000 and include essentials reimbursement. |
| 🚗 Personal liability | Covers damages you may cause to others or their property during your stay. Recommended minimum limit: $50,000. |
| 📅 Trip cancellation/interruption | Reimburses non-refundable costs in case you must cancel or shorten your trip (illness, emergency, etc.). A limit of $2,000–$5,000 is advisable. |
| 🦷 Dental emergencies | Pays for urgent dental treatment after an accident or infection. Choose coverage up to $500 or more for dental emergencies. |
We recommend a reimbursement limit of at least $100,000 per trip.
Choose a policy with a minimum coverage of $250,000.
Minimum recommended limit: $25,000.
Always select a policy including multilingual emergency assistance.
Coverage should start from $1,000 and include essentials reimbursement.
Recommended minimum limit: $50,000.
A limit of $2,000–$5,000 is advisable.
Choose coverage up to $500 or more for dental emergencies.
Travel insurance from local providers or included with bank cards usually offers limited coverage, with low limits and many exclusions. It is safer to choose a trusted insurer offering full coverage. You can compare the top options on HelloSafe and subscribe online for instant coverage certification.
The Cost of Travel Insurance for Bosnia and Herzegovina
| Trip duration | Traveler’s age | Indicative price per person |
|---|---|---|
| 1 week | 25 years old | $22 |
| 2 weeks | 45 years old | $38 |
| 1 month | 35 years old | $60 |
| 1 month | 70 years old | $145 |
These prices are indicative and may vary depending on the coverage chosen and the specifics of each insurer.
Good to know
The price of your travel insurance is influenced by several key factors: your age, the duration of your stay, your destination, and any add-ons like cancellation coverage. Keeping these variables in mind is crucial for selecting the right plan for your trip and budget, helping you avoid any unexpected issues while you're away.
💡 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 compareHow to pay less for your travel insurance to Bosnia and Herzegovina
Here are some suggestions to optimize the cost of your travel insurance to Bosnia and Herzegovina while keeping good coverage:
| Criteria | Why it matters | Expert tip |
|---|---|---|
| 🌍 Destination risks | Medical care outside Sarajevo can be limited, so targeted coverage for medical expenses is important. | Avoid excessive add-ons and focus on high-limit medical and emergency evacuation for Bosnia and Herzegovina. |
| 👤 Traveler’s age | Prices usually rise with age, especially for seniors. | Compare policies for your age. Heymondo does not increase its prices for people over 62. |
| 📆 Trip duration | Insurance costs increase for longer trips, and unused days mean wasted money. | Insure the exact travel period to Bosnia and Herzegovina, not longer than your itinerary. |
| 🏞️ Activities planned | Some tours and outdoor activities may require higher coverage, impacting cost. | Select coverage based on real activities and drop sports or adventure options unless required. |
| 👫 Number of travelers | Group or family policies can be more economical per person than single policies. | Choose a family or group plan for Bosnia and Herzegovina if traveling with others. |
| 💵 Deductible amount | Higher deductibles result in lower premiums but higher out-of-pocket bills in case of a claim. | Opt for a higher deductible only if you are financially prepared for claims in Bosnia and Herzegovina. |
| 🕒 Purchase timing | Buying early often gets better rates and more choices than last-minute purchases. | Buy your policy early for Bosnia and Herzegovina for potential savings and better conditions. |
Your current insurance coverage in Bosnia and Herzegovina
It is completely legitimate to wonder whether your current coverages, such as credit card insurance or your health plan, will protect you during a trip to Bosnia and Herzegovina. Unfortunately, this protection is often limited or does not apply abroad. Here is a summary table to help you review your current insurance and what it covers.
| Type of insurance | Valid in Bosnia and Herzegovina? | What it covers | Why Travel Insurance is better |
|---|---|---|---|
| Public health insurance (Medicare, Medicaid) | No, never | No coverage outside the US. No reimbursement for care, hospitalization, or emergency return. | Travel insurance covers $100,000+ for care and evacuation services. |
| Private health insurance (Aetna, Blue Cross) | Yes, partly | Some emergency expenses. Reimbursement limits $10,000–$25,000. No direct payment or evacuation. | Travel insurance offers $100,000+ and emergency repatriation. |
| Classic credit card (Chase Freedom, Citi Diamond Preferred, Capital One Platinum) | Yes, partly | Limited medical ($2,500), trip interruption, sometimes lost bags. No hospital or repatriation. | Travel insurance covers $100,000+ and full-time hospital support. |
| Premium credit card (Chase Sapphire Reserve, Amex Platinum, Capital One Venture X) | Yes, partly | Medical expenses up to $25,000, delays, limited baggage. No full evacuation or on-site support. | Travel insurance covers $100,000+ and includes 24/7 medical support. |
Example
While rafting on the Neretva River, Sarah sustained a severe leg fracture. The emergency surgery and hospital stay in Sarajevo cost $20,000. Her Chase Sapphire card's insurance had a $2,500 limit, and her US health plan denied the foreign claim, leaving her to pay an unexpected $17,500 out-of-pocket.
Expert advice
Always check the terms, exclusions, and limits of your existing insurance. Essential situations, like trip interruption due to a relative’s illness, might be excluded. Read the conditions carefully to avoid unpleasant surprises abroad. In all cases, it is safer and more reassuring to purchase a dedicated travel insurance policy tailored to your trip.
FAQ
Do I need a visa to travel to Bosnia and Herzegovina?
US citizens do not need a visa for stays up to 90 days within a 180-day period in Bosnia and Herzegovina. However, you must present a passport valid for at least three months after your planned departure and have at least one blank page for entry stamps.
How do I purchase travel insurance for Bosnia and Herzegovina?
Start by comparing plans using the HelloSafe travel insurance comparison tool. Check the details and exclusions that apply to Bosnia and Herzegovina, focusing on emergency and health coverage. Purchase your selected policy online and you will receive your official insurance certificate by email, usually right away.
Does travel insurance cover emergency medical evacuation in Bosnia and Herzegovina?
Many comprehensive policies include emergency medical evacuation, which is important because medical facilities outside major cities can be limited. Standard policies often cover costs up to $100,000 or more to ensure you get the necessary transport and care if serious illness or injury occurs.
Am I covered for delays or cancellations on my trip to Bosnia and Herzegovina?
Yes, many travel insurance policies reimburse expenses if your trip is delayed or canceled for covered reasons, such as illness or a natural disaster. Review your policy limits carefully, as trip cancellation and delay benefits can vary, usually ranging from $1,000 to $10,000.
Are pre-existing conditions covered by travel insurance for Bosnia and Herzegovina?
Most travel insurance policies either exclude coverage for pre-existing medical conditions or require the purchase of additional coverage. If you have any pre-existing health issues, it is important to declare them and check whether your plan will cover related claims.
Will travel insurance cover theft or loss of belongings in Bosnia and Herzegovina?
Many plans include protection for the loss, theft, or damage of personal items, such as baggage and electronics. Coverage amounts generally range from $500 to $2,500 per claim, depending on the plan. Always keep receipts and file a police report if your belongings are stolen.
Do I need a visa to travel to Bosnia and Herzegovina?
US citizens do not need a visa for stays up to 90 days within a 180-day period in Bosnia and Herzegovina. However, you must present a passport valid for at least three months after your planned departure and have at least one blank page for entry stamps.
How do I purchase travel insurance for Bosnia and Herzegovina?
Start by comparing plans using the HelloSafe travel insurance comparison tool. Check the details and exclusions that apply to Bosnia and Herzegovina, focusing on emergency and health coverage. Purchase your selected policy online and you will receive your official insurance certificate by email, usually right away.
Does travel insurance cover emergency medical evacuation in Bosnia and Herzegovina?
Many comprehensive policies include emergency medical evacuation, which is important because medical facilities outside major cities can be limited. Standard policies often cover costs up to $100,000 or more to ensure you get the necessary transport and care if serious illness or injury occurs.
Am I covered for delays or cancellations on my trip to Bosnia and Herzegovina?
Yes, many travel insurance policies reimburse expenses if your trip is delayed or canceled for covered reasons, such as illness or a natural disaster. Review your policy limits carefully, as trip cancellation and delay benefits can vary, usually ranging from $1,000 to $10,000.
Are pre-existing conditions covered by travel insurance for Bosnia and Herzegovina?
Most travel insurance policies either exclude coverage for pre-existing medical conditions or require the purchase of additional coverage. If you have any pre-existing health issues, it is important to declare them and check whether your plan will cover related claims.
Will travel insurance cover theft or loss of belongings in Bosnia and Herzegovina?
Many plans include protection for the loss, theft, or damage of personal items, such as baggage and electronics. Coverage amounts generally range from $500 to $2,500 per claim, depending on the plan. Always keep receipts and file a police report if your belongings are stolen.
