Best Travel Insurance for Croatia in 2025
- The best travel insurance for Croatia
- Is it currently safe to travel to Croatia?
- Is travel insurance required for a visa to Croatia?
- Why take out travel insurance for Croatia?
- Travel Insurance Coverage for Croatia
- The cost of travel insurance for Croatia
- How can you pay less for your travel insurance to Croatia?
- Can I rely on my current insurance to cover me in Croatia?
- FAQ
Travel insurance for Croatia: key takeaways
1. Definition: Travel insurance for Croatia covers medical emergencies, trip cancellation, and other unexpected travel mishaps.
2. Key protection: Insurance is not required for US citizens but protects against high overseas medical costs.
3. Healthcare cost: A hospital stay in Croatia can cost foreign visitors several hundred dollars or more per night.
4. Price: A one-week travel insurance plan for Croatia typically costs between $30 and $60.
5. Good to know: Check if your policy covers adventure sports like sailing or hiking, which are popular activities.
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 everything you need to know to choose the best travel insurance for Croatia.
The best travel insurance for Croatia
| Contract we recommend | Medical reimbursement limit | Our view |
|---|---|---|
| HelloTravel Premium | $1.1M | Strong protection for travel to Croatia. - very high medical limit - covers repatriation - up-to-date guarantees |
| Cap Assistance 24/24 | $1.1M | Good for short stays with easy support. - 24/7 assistance - trip cancellation - no deductible |
| Tourist Card | $550k | Efficient choice for tourism in Croatia. - solid medical cover - emergency help - competitive pricing |
| Travel Pass Monde | $765k | Well-balanced policy for various trips. - repatriation cover - hospital care - international scope |
| Globe Partner | $328k | Clear coverage for long or recurring stays. - urgent care included - repatriation - civil liability |
| Globe Traveller | $550k | Affordable for short, low-risk visits. - basic medical needs - quick claims - suitable limits for short trips |
- very high medical limit
- covers repatriation
- up-to-date guarantees
- 24/7 assistance
- trip cancellation
- no deductible
- solid medical cover
- emergency help
- competitive pricing
- repatriation cover
- hospital care
- international scope
- urgent care included
- repatriation
- civil liability
- basic medical needs
- quick claims
- suitable limits for short trips
Is it currently safe to travel to Croatia?
As of June 2025, the US Department of State advises travelers that Croatia is considered safe, with a Level 1 advisory to exercise normal precautions.
- Security risks: although overall crime is low, theft such as pickpocketing can occur in popular tourist areas of Dubrovnik or Split, especially during summer.
- Health risks: medical care meets standards in major cities, but can be limited in rural regions. Outdoor activities in forests raise the risk of tick-borne diseases, including encephalitis.
- Legal obligations: registration at a local police station within three days of arrival is required. Failure to register may result in fines, particularly for independent travelers.
- Environmental hazards: unexploded ordnance still exists in former conflict zones. Do not leave paved roads in marked areas, especially in regions of eastern Slavonia or near old frontline areas.
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 Croatia.
Is travel insurance required for a visa to Croatia?
No, travel insurance is not mandatory for travelers from US to obtain a visa or to enter Croatia.
While you are not required to show proof of insurance, travel insurance remains highly recommended due to possible out-of-pocket expenses for medical care, hospitalization, or emergency evacuation, especially if traveling to remote or rural regions.
According to our data, 50% of travelers purchase travel insurance before going to Croatia, largely because it is a safe European destination but medical costs can become significant if serious incidents occur.
Why take out travel insurance for Croatia?
It is an essential financial and medical protection for anyone going to Croatia.
Health costs in Croatia can be significant, especially if treated at private clinics such as St. Catherine Specialty Hospital in Zagreb or in tourist hubs like Dubrovnik. While public hospitals exist in major cities, non-residents may face advance payment requirements, and in rural areas, access to quality care is limited. Private clinics often charge higher rates, and coverage for foreigners is rarely automatic.
Travel insurance covers medical fees, hospitalization, medication, ambulance transport, and emergency repatriation to the US in the event of a serious problem.
Here are some examples of healthcare costs in Croatia.
| Example of medical treatment | Cost at St. Catherine Specialty Hospital | Covered by travel insurance |
|---|---|---|
| I have to be hospitalized 48 hours after contracting an infection | 7,500 HRK (approx. $1,100) | up to 100% |
| I broke my tibia (X-ray, cast, and crutch rental) | 3,800 HRK (approx. $550) | up to 100% |
| I need to be repatriated | 60,000 HRK (approx. $8,750) | up to 100% |
| I have appendicitis (consultation and surgery) | 17,000 HRK (approx. $2,500) | 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.
Travel Insurance Coverage for Croatia
| Main coverages | Explanations and recommendations |
|---|---|
| 🏥 Medical expenses | Covers costs of emergency treatment for illness or injury during your stay. We recommend at least $100,000 in medical coverage for Croatia. |
| 🚑 Hospitalization | Pays for inpatient treatment, surgeries, and related care if medically required. Choose a plan with a minimum of $50,000 in hospital coverage. |
| ✈️ Emergency evacuation | Provides transportation to the nearest adequate medical facility or repatriation to US. Select coverage of at least $100,000. |
| 🏠 Repatriation | Covers the cost of returning to US due to severe illness or after death. A recommended limit is $50,000. |
| 💼 Lost luggage | Reimburses for personal items lost, stolen, or delayed during travel. Look for at least $1,500 coverage. |
| 🏃♂️ Trip cancellation | Refunds prepaid expenses if you must cancel because of illness, accident, or emergency. A recommended amount is $3,000–$5,000. |
| ⏱️ Travel delay | Pays for meals, accommodation, and essentials during travel interruptions. We suggest $500–$1,000 in coverage. |
| 👩⚕️ Personal liability | Protects against costs if you accidentally cause injury or property damage to others. Choose a plan with at least $20,000 coverage. |
We recommend at least $100,000 in medical coverage for Croatia.
Choose a plan with a minimum of $50,000 in hospital coverage.
Select coverage of at least $100,000.
A recommended limit is $50,000.
Look for at least $1,500 coverage.
A recommended amount is $3,000–$5,000.
We suggest $500–$1,000 in coverage.
Choose a plan with at least $20,000 coverage.
Travel insurance from local companies or credit cards often provides limited coverage, low reimbursement limits, and frequent exclusions. For maximum security, it is safer to compare trusted international insurers on HelloSafe and subscribe online for immediate certification.
The cost of travel insurance for Croatia
| Trip duration | Traveler’s age | Indicative price per person |
|---|---|---|
| 1 week | 25 years old | $19 |
| 2 weeks | 45 years old | $35 |
| 1 month | 35 years old | $59 |
| 1 month | 70 years old | $125 |
These prices are indicative and may vary depending on the coverage chosen and the specifics of each insurer.
Good to know
The cost of your travel insurance policy is influenced by several key elements: the traveler's age, the duration of your stay, your destination, and any add-ons like a cancellation option. Keeping these factors in mind is crucial for finding a policy that fits both your needs and your budget.
💡 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 can you pay less for your travel insurance to Croatia?
Here are some suggestions to optimize the cost of your travel insurance to Croatia while keeping good coverage:
| Criteria | Why it matters | Expert tip |
|---|---|---|
| 🕒 Length of stay | Premiums increase with trip duration. Shorter stays in Croatia lower your insurance cost. | Insure only actual travel dates to keep premiums lower. Avoid rounding up your coverage dates unnecessarily. |
| 🎒 Level of coverage | Croatia has regulated tourism and accessible care, so excessive limits may not be necessary. | Select coverage limits suitable for Croatia without extras. Carefully compare base plans for value and exclusions. |
| 👥 Number of travelers | Rates for families and groups are often lower per person than single policies. | Check for group or family discounts before booking. You may get a better price with joint policies. |
| 🏥 Medical benefits | Medical care is reliable in cities but less so in rural areas, making medical coverage important. | Choose essential medical coverage and increase deductibles if you can handle minor out-of-pocket costs. |
| 🎂 Traveller’s age | Age affects premium amounts, especially for senior travelers to Croatia. | Compare across insurers. Heymondo does not increase its prices for people over 62, which benefits older travelers. |
| 🏛️ Optional benefits | Standard plans usually include key benefits for Croatia, while extras raise the price. | Opt out of unnecessary extras like gadget or luggage cover if not essential for your trip. |
| 🌍 Geographic area | Europe-only plans are cheaper than worldwide plans and fully suitable for Croatia. | Pick regional Europe policies rather than worldwide plans to keep the price as low as possible. |
Can I rely on my current insurance to cover me in Croatia?
It is legitimate to wonder whether your current coverage, such as public or private health insurance, or credit card insurance, will protect you when traveling to Croatia. Unfortunately, this coverage is often limited or insufficient when abroad. Here is a summary table to help you review your current insurance and what it covers.
| Type of insurance | Valid in Croatia? | What it covers | Why Travel Insurance is better |
|---|---|---|---|
| Public health insurance (Medicare, Medicaid) | No, never | No coverage outside the US. No emergency, hospitalization, or medical evacuation. | Travel insurance covers $100,000+ in medical expenses and repatriation. |
| Private health insurance (Cigna, Aetna, UnitedHealthcare) | Yes, partly | May offer limited emergency coverage abroad, with caps typically below $50,000 and no repatriation. | Travel insurance often includes $100,000+ abroad, with direct payment to local hospitals. |
| Classic credit card (Chase Freedom, Capital One Platinum, Citi Simplicity) | Yes, partly | Emergency medical rarely over $3,000. No baggage or trip cancellation coverage. | Travel insurance covers $100,000+, plus luggage and trip cancellation benefits. |
| Premium credit card (Chase Sapphire Preferred, Amex Gold, Citi Premier) | Yes, partly | Medical under $25,000, some trip delay or baggage loss compensation (low limits). | Travel insurance provides $100,000+ and $5,000+ for trip cancellations, with on-the-ground support. |
Example
While sailing near Vis, Sarah fell and sustained a severe concussion. The emergency helicopter evacuation to a hospital in Split cost $18,000. Her American Express Gold card's travel protection had a low cap, and her US health plan didn't cover medical transport abroad, leaving her with a $16,000 bill.
Expert advice
Always check the terms, exclusions, and limits of your existing insurance. Critical 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 get dedicated travel insurance tailored to your trip.
FAQ
Do I need a visa to travel to Croatia?
U.S. citizens do not need a visa to visit Croatia for tourism or business trips of up to 90 days within any 180-day period. You must have a valid U.S. passport with at least three months validity past your planned departure date from Croatia.
How do I purchase travel insurance for Croatia?
Start by comparing options using the HelloSafe travel insurance comparison tool. Carefully review the coverage and exclusions, making sure policies include protections relevant to Croatia. Purchase your chosen plan online, and you will receive your insurance certificate immediately, which you may need to show if requested.
Are medical services easily accessible in Croatia?
Medical care in larger cities such as Zagreb, Split, and Dubrovnik is generally adequate, and private clinics are available. However, in rural or island areas, healthcare facilities may be limited and standards may not match those in the U.S. Comprehensive travel insurance ensures better access to quality care.
What should I do if I have a medical emergency while in Croatia?
Call the local emergency number, 112, for urgent medical assistance. Notify your travel insurance provider immediately, as most insurers offer 24/7 support and can guide you to approved clinics or arrange payment for covered treatments. Keep your insurance details and certificate easily accessible.
Will travel insurance cover activities like hiking and sailing in Croatia?
Most comprehensive travel insurance plans cover common recreational activities such as hiking, sailing, and cycling. However, high-risk sports or adventure activities, like scuba diving or paragliding, may require additional coverage. Always check your policy’s specific terms and add extra options if you plan on participating in these activities.
Do I need a visa to travel to Croatia?
U.S. citizens do not need a visa to visit Croatia for tourism or business trips of up to 90 days within any 180-day period. You must have a valid U.S. passport with at least three months validity past your planned departure date from Croatia.
How do I purchase travel insurance for Croatia?
Start by comparing options using the HelloSafe travel insurance comparison tool. Carefully review the coverage and exclusions, making sure policies include protections relevant to Croatia. Purchase your chosen plan online, and you will receive your insurance certificate immediately, which you may need to show if requested.
Are medical services easily accessible in Croatia?
Medical care in larger cities such as Zagreb, Split, and Dubrovnik is generally adequate, and private clinics are available. However, in rural or island areas, healthcare facilities may be limited and standards may not match those in the U.S. Comprehensive travel insurance ensures better access to quality care.
What should I do if I have a medical emergency while in Croatia?
Call the local emergency number, 112, for urgent medical assistance. Notify your travel insurance provider immediately, as most insurers offer 24/7 support and can guide you to approved clinics or arrange payment for covered treatments. Keep your insurance details and certificate easily accessible.
Will travel insurance cover activities like hiking and sailing in Croatia?
Most comprehensive travel insurance plans cover common recreational activities such as hiking, sailing, and cycling. However, high-risk sports or adventure activities, like scuba diving or paragliding, may require additional coverage. Always check your policy’s specific terms and add extra options if you plan on participating in these activities.
