The Best Travel Insurance Plans for Montenegro in 2025

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A. Fruchard
A. Fruchard updated on July 16, 2025
Table of Contents
  • The best travel insurance plans for Montenegro
  • Is it currently safe to travel to Montenegro?
  • Is travel insurance required by law to enter Montenegro?
  • Why take out travel insurance for Montenegro?
  • What travel insurance for Montenegro should cover
  • The cost of travel insurance for Montenegro
  • How to pay less for your travel insurance to Montenegro
  • Can you rely on your current insurance to cover you in Montenegro?
  • FAQ
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Travel insurance for Montenegro: key takeaways

1. Definition: Travel insurance for Montenegro covers medical costs, trip cancellation, and other unexpected travel incidents.
2. Key protection: Insurance is not mandatory, but crucial as U.S. health plans rarely cover you in Montenegro.
3. Healthcare cost: A hospital night can cost several hundred dollars for foreign visitors.
4. Price: A one-week travel insurance policy for Montenegro typically costs between $25 and $50.
5. Good to know: Ensure your policy covers adventure sports like hiking or rafting if you plan such activities.

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Why trust HelloSafe?

HelloSafe is an international specialist in travel insurance comparison, advising over one million travelers every month. After analyzing 42 travel insurance policies available in the US, our experts share here everything you need to know to choose the best travel insurance for Montenegro.

The best travel insurance plans for Montenegro

Contract we recommendMedical reimbursement limitOur view
HelloTravel Premium1.1M USDComprehensive coverage for travel to Montenegro, high benefit limit and strong flexibility.
- extensive medical cover
- repatriation
- modern insurance terms
Cap Assistance 24/241.1M USDBest for travelers seeking round-the-clock support and easy claims.
- 24/7 helpline
- trip cancellation
- no deductible
Tourist Card550k USDGood standard protection for short or leisure trips.
- solid medical cover
- emergency assistance
- flexible guarantees
Travel Pass Monde770k USDBalanced plan for longer stays with strong benefits.
- covers repatriation
- hospitalization included
- wide international coverage
Globe Partner330k USDSuitable for moderate-length stays and basic needs.
- essential medical protection
- civil liability
- covers repatriation
Globe Traveller550k USDPractical choice for short visits to Montenegro.
- basic hospital cover
- easy claim process
- emergency evacuation included
Comparison of recommended travel insurance contracts.
HelloTravel Premium
Medical reimbursement limit
1.1M USD
Our view
Comprehensive coverage for travel to Montenegro, high benefit limit and strong flexibility.
- extensive medical cover
- repatriation
- modern insurance terms
Cap Assistance 24/24
Medical reimbursement limit
1.1M USD
Our view
Best for travelers seeking round-the-clock support and easy claims.
- 24/7 helpline
- trip cancellation
- no deductible
Tourist Card
Medical reimbursement limit
550k USD
Our view
Good standard protection for short or leisure trips.
- solid medical cover
- emergency assistance
- flexible guarantees
Travel Pass Monde
Medical reimbursement limit
770k USD
Our view
Balanced plan for longer stays with strong benefits.
- covers repatriation
- hospitalization included
- wide international coverage
Globe Partner
Medical reimbursement limit
330k USD
Our view
Suitable for moderate-length stays and basic needs.
- essential medical protection
- civil liability
- covers repatriation
Globe Traveller
Medical reimbursement limit
550k USD
Our view
Practical choice for short visits to Montenegro.
- basic hospital cover
- easy claim process
- emergency evacuation included
Comparison of recommended travel insurance contracts.
? Compare the best travel insurance for freeI compare

Is it currently safe to travel to Montenegro?

As of June 2025, the U.S. Department of State advises that Montenegro is safe for travel, with no significant security alerts in place.

Here are their four main recommendations.

  • Security risks: petty theft, such as pickpocketing, can occur in tourist areas like Budva and Kotor, particularly during summer festivals. Violent crime is rare but can happen late at night near entertainment venues.
  • Health risks: adequate hospitals are available in cities such as Podgorica, but rural care may not meet U.S. standards. Emergency medical evacuation from remote locations can be difficult and expensive.
  • Legal requirements: visitors must register with local authorities upon arrival, either through hotels or at municipal tourism offices. Failure to register can result in fines when departing Montenegro.
  • Environmental factors: the Adriatic coast and mountainous regions are prone to seasonal hazards, including flash floods in the Bay of Kotor and wildfires in summer along the Lustica Peninsula.

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

Is travel insurance required by law to enter Montenegro?

No, travel insurance is not legally mandatory for U.S. citizens to enter Montenegro.

It is still strongly recommended because emergency medical care or evacuation can be expensive, and most local hospitals require immediate payment. U.S. Medicare/Medicaid is not accepted in Montenegro, and cash is often required, especially outside larger cities.

According to our data, 50% of travelers purchase travel insurance before going to Montenegro, primarily to avoid high medical costs and ensure support in case of accident, illness, or trip interruption.

Why take out travel insurance for Montenegro?

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

In Montenegro, quality healthcare is mainly found in private clinics in Podgorica, like Codra Hospital, where costs are significantly higher for foreigners. In rural areas, access to medical care may be limited, and public hospitals often do not meet U.S. standards. Payment is typically required upfront, and U.S. health insurance is not recognized, leaving travelers vulnerable to high expenses if serious care, surgery, or evacuation is needed.

Travel insurance covers medical fees, hospitalization, medication, ambulance transport, and emergency repatriation to the United States if necessary.

Here are some examples of healthcare costs in Montenegro.

Example of medical treatmentCost at Codra HospitalCovered by travel insurance
I have to be hospitalized 48 hours after contracting an infection1,150 EUR (about $1,250)up to 100%
I broke my tibia (X-ray, cast, and crutch rental)700 EUR (about $760)up to 100%
I need to be repatriated18,000 EUR (about $19,500)up to 100%
I have appendicitis (consultation and surgery)2,700 EUR (about $2,900)up to 100%
Examples of medical treatment costs and coverage.
I have to be hospitalized 48 hours after contracting an infection
Cost at Codra Hospital
1,150 EUR (about $1,250)
Covered by travel insurance
up to 100%
I broke my tibia (X-ray, cast, and crutch rental)
Cost at Codra Hospital
700 EUR (about $760)
Covered by travel insurance
up to 100%
I need to be repatriated
Cost at Codra Hospital
18,000 EUR (about $19,500)
Covered by travel insurance
up to 100%
I have appendicitis (consultation and surgery)
Cost at Codra Hospital
2,700 EUR (about $2,900)
Covered by travel insurance
up to 100%
Examples of medical treatment costs and 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.

What travel insurance for Montenegro should cover

Main coveragesExplanations and recommendations
? Medical expensesPays for hospitalization, outpatient treatment, and emergency medical care if you get sick or injured.
The recommended minimum is $100,000.
? Medical evacuationProvides transport to a suitable hospital or repatriation to the US if needed.
Coverage should be at least $200,000 due to high transport costs.
✈️ Trip cancellationReimburses prepaid non-refundable expenses if you need to cancel your trip for covered reasons.
At least $5,000 is advised.
? Baggage loss/delayProtects against loss, theft, or significant delays of luggage and personal items.
Minimum recommendation: $1,500.
? Trip interruptionPays for additional costs if you must end your trip unexpectedly due to a covered event.
A minimum of $5,000 is recommended.
? Personal liabilityCovers expenses if you accidentally cause injury to others or property damage.
Suggested limit is $50,000.
? 24/7 assistanceOffers emergency support, such as translation, legal help, or finding local care.
Make sure this feature is included in your coverage.
?️ Adventure activitiesIncludes risks related to outdoor activities commonly practiced in Montenegro.
Look for at least $20,000 in special activity coverage if applicable.
Recommended Insurance Coverages
? Medical expenses
Explanations and recommendations
Pays for hospitalization, outpatient treatment, and emergency medical care if you get sick or injured.
The recommended minimum is $100,000.
? Medical evacuation
Explanations and recommendations
Provides transport to a suitable hospital or repatriation to the US if needed.
Coverage should be at least $200,000 due to high transport costs.
✈️ Trip cancellation
Explanations and recommendations
Reimburses prepaid non-refundable expenses if you need to cancel your trip for covered reasons.
At least $5,000 is advised.
? Baggage loss/delay
Explanations and recommendations
Protects against loss, theft, or significant delays of luggage and personal items.
Minimum recommendation: $1,500.
? Trip interruption
Explanations and recommendations
Pays for additional costs if you must end your trip unexpectedly due to a covered event.
A minimum of $5,000 is recommended.
? Personal liability
Explanations and recommendations
Covers expenses if you accidentally cause injury to others or property damage.
Suggested limit is $50,000.
? 24/7 assistance
Explanations and recommendations
Offers emergency support, such as translation, legal help, or finding local care.
Make sure this feature is included in your coverage.
?️ Adventure activities
Explanations and recommendations
Includes risks related to outdoor activities commonly practiced in Montenegro.
Look for at least $20,000 in special activity coverage if applicable.
Recommended Insurance Coverages

Travel insurance from a local provider or a bank card may only offer limited protection, with low claim limits and many policy exclusions. It is safer to select a comprehensive plan from a recognized insurer. Compare the best options on HelloSafe and subscribe online for instant protection.

The cost of travel insurance for Montenegro

Trip durationTraveler’s ageIndicative price per person
1 week25 years old$26
2 weeks45 years old$44
1 month35 years old$83
1 month70 years old$158
1 week
Traveler’s age
25 years old
Indicative price per person
$26
2 weeks
Traveler’s age
45 years old
Indicative price per person
$44
1 month
Traveler’s age
35 years old
Indicative price per person
$83
1 month
Traveler’s age
70 years old
Indicative price per person
$158

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

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Good to know

The price of your travel insurance is influenced by key details. Be aware of how your age, trip duration, destination, and add-ons like cancellation coverage affect the cost. Keeping these factors in mind helps you select the best-value plan for your travels, providing peace of mind without breaking the bank.

? 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 Montenegro

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

CriteriaWhy it mattersExpert tip
?️ Policy coverageU.S. health insurance does not cover treatment in Montenegro, so adequate medical and evacuation coverage is essential.Choose medical and evacuation core benefits only. Omit less critical extras to keep premiums low.
? Trip durationInsurance is sold by the day, so every extra day increases the total price.Only cover the exact travel period. Adapt your dates to your itinerary for cost efficiency.
? Traveler’s ageAge brackets impact price, especially for those over 62, who may pay higher premiums.Compare rates across providers. Heymondo does not increase prices for people over 62. Compare options.
?️ Activities coveredPlans covering adventure sports or excursions are more expensive, especially in a country with outdoor activities.Exclude sports and adventure add-ons if not needed. Choose only leisure coverage when possible.
?‍?‍? Group policyFamily or group coverage can provide embedded discounts compared to separate policies.Buy a group or family policy if traveling together. Bundled coverage can lower per-person costs.
? Medical historyDeclaring pre-existing conditions can increase costs.Check multiple insurers for favorable terms. Pick providers with fair rates for stable conditions.
? Deductible choiceA higher excess or deductible on your plan reduces your upfront premium.Choose the highest deductible you can afford. This will bring down your overall premium.
Key criteria for selecting travel insurance.
?️ Policy coverage
Why it matters
U.S. health insurance does not cover treatment in Montenegro, so adequate medical and evacuation coverage is essential.
Expert tip
Choose medical and evacuation core benefits only. Omit less critical extras to keep premiums low.
? Trip duration
Why it matters
Insurance is sold by the day, so every extra day increases the total price.
Expert tip
Only cover the exact travel period. Adapt your dates to your itinerary for cost efficiency.
? Traveler’s age
Why it matters
Age brackets impact price, especially for those over 62, who may pay higher premiums.
Expert tip
Compare rates across providers. Heymondo does not increase prices for people over 62. Compare options.
?️ Activities covered
Why it matters
Plans covering adventure sports or excursions are more expensive, especially in a country with outdoor activities.
Expert tip
Exclude sports and adventure add-ons if not needed. Choose only leisure coverage when possible.
?‍?‍? Group policy
Why it matters
Family or group coverage can provide embedded discounts compared to separate policies.
Expert tip
Buy a group or family policy if traveling together. Bundled coverage can lower per-person costs.
? Medical history
Why it matters
Declaring pre-existing conditions can increase costs.
Expert tip
Check multiple insurers for favorable terms. Pick providers with fair rates for stable conditions.
? Deductible choice
Why it matters
A higher excess or deductible on your plan reduces your upfront premium.
Expert tip
Choose the highest deductible you can afford. This will bring down your overall premium.
Key criteria for selecting travel insurance.

Can you rely on your current insurance to cover you in Montenegro?

It is legitimate to wonder if your existing coverage—such as credit card insurance or private health insurance—will protect you during a trip to Montenegro. Unfortunately, these protections are often limited or missing key benefits like emergency medical evacuation.

Here is a summary table to help you review your current insurance and what it covers.

Type of insuranceValid in Montenegro?What it coversWhy Travel Insurance is better
Public health insurance (Medicare, Medicaid)No, neverNo overseas coverage. No hospitalization or repatriation included.Travel insurance covers up to $250,000 for medical care and evacuation.
Private health insurance (Aetna, UnitedHealthcare, Cigna)Yes, partlyMay reimburse care up to $10,000 after return. Excludes direct payments and evacuation.Travel insurance includes up to $500,000 medical, direct payment, and 24/7 support.
Classic credit card (Chase Freedom, Citi Simplicity, Capital One Platinum)Yes, partlyLimited medical under $5,000. No evacuation, pandemic, or adventure sports coverage.Travel insurance offers $100,000+ medical, evacuation, and unique activities.
Premium credit card (Chase Sapphire Reserve, Amex Platinum, Citi Prestige)Yes, partlyMedical insurance up to $50,000. Some trip or baggage benefits. No evacuation support.Travel insurance covers up to $500,000 medical, evacuation, and trip interruption.
Comparison of insurance types and their validity in Montenegro.
Public health insurance (Medicare, Medicaid)
Valid in Montenegro?
No, never
What it covers
No overseas coverage. No hospitalization or repatriation included.
Why Travel Insurance is better
Travel insurance covers up to $250,000 for medical care and evacuation.
Private health insurance (Aetna, UnitedHealthcare, Cigna)
Valid in Montenegro?
Yes, partly
What it covers
May reimburse care up to $10,000 after return. Excludes direct payments and evacuation.
Why Travel Insurance is better
Travel insurance includes up to $500,000 medical, direct payment, and 24/7 support.
Classic credit card (Chase Freedom, Citi Simplicity, Capital One Platinum)
Valid in Montenegro?
Yes, partly
What it covers
Limited medical under $5,000. No evacuation, pandemic, or adventure sports coverage.
Why Travel Insurance is better
Travel insurance offers $100,000+ medical, evacuation, and unique activities.
Premium credit card (Chase Sapphire Reserve, Amex Platinum, Citi Prestige)
Valid in Montenegro?
Yes, partly
What it covers
Medical insurance up to $50,000. Some trip or baggage benefits. No evacuation support.
Why Travel Insurance is better
Travel insurance covers up to $500,000 medical, evacuation, and trip interruption.
Comparison of insurance types and their validity in Montenegro.
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Example

While rafting the Tara River in Montenegro, Mark dislocated his shoulder. The emergency evacuation and hospital stay cost $18,000. His Chase Sapphire card's travel insurance had a low limit, covering only $1,500, and his US health plan didn't cover foreign medical transport, leaving him with a $16,500 bill.

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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 Montenegro?

U.S. citizens do not need a visa to visit Montenegro for tourist stays of up to 90 days within a 180-day period. You will need a valid U.S. passport to enter and must register your stay at a hotel or with local tourist authorities if staying in private accommodation.

How do I purchase travel insurance for Montenegro?

1/ Compare: Start by using the HelloSafe travel insurance comparison tool to explore available policies for Montenegro.
2/ Check cover and exclusions: Make sure each policy covers travel in Montenegro and review specific exclusions, such as pre-existing conditions or risky activities.
3/ Buy online: Once you’ve selected a plan, complete the purchase securely online.
4/ Receive your certificate: Download or receive a digital proof of insurance to carry on your trip.

Are hospital and emergency services in Montenegro expensive for U.S. travelers?

Yes, health providers in Montenegro typically require cash payments for medical services, and prices for emergency treatment or evacuation can exceed $5,000 for basic care and $50,000 or more for complex medical evacuation to another country. Travel insurance can help cover these unforeseen costs.

Does travel insurance for Montenegro cover lost baggage and trip delays?

Most comprehensive policies for Montenegro include coverage for lost, delayed, or stolen baggage, and trip delays due to airline or weather disruptions. Maximum payouts vary but can range from $500 to $1,500 for baggage and up to $1,000 for trip delays, depending on the policy.

Will my private U.S. health insurance cover me in Montenegro?

Most U.S. private health insurers do not provide international coverage, except for a few high-tier plans. U.S. Medicare and Medicaid do not offer coverage abroad. This is why supplemental travel medical insurance is strongly recommended for anyone traveling to Montenegro.

Can I buy travel insurance for Montenegro if my trip has already started?

Yes, some insurers allow you to buy travel insurance after departure, but coverage for pre-existing events or current illnesses is usually excluded. It is always best to purchase a policy before your trip to ensure you are fully covered for the entire duration.

Do I need a visa to travel to Montenegro?

U.S. citizens do not need a visa to visit Montenegro for tourist stays of up to 90 days within a 180-day period. You will need a valid U.S. passport to enter and must register your stay at a hotel or with local tourist authorities if staying in private accommodation.

How do I purchase travel insurance for Montenegro?

1/ Compare: Start by using the HelloSafe travel insurance comparison tool to explore available policies for Montenegro.
2/ Check cover and exclusions: Make sure each policy covers travel in Montenegro and review specific exclusions, such as pre-existing conditions or risky activities.
3/ Buy online: Once you’ve selected a plan, complete the purchase securely online.
4/ Receive your certificate: Download or receive a digital proof of insurance to carry on your trip.

Are hospital and emergency services in Montenegro expensive for U.S. travelers?

Yes, health providers in Montenegro typically require cash payments for medical services, and prices for emergency treatment or evacuation can exceed $5,000 for basic care and $50,000 or more for complex medical evacuation to another country. Travel insurance can help cover these unforeseen costs.

Does travel insurance for Montenegro cover lost baggage and trip delays?

Most comprehensive policies for Montenegro include coverage for lost, delayed, or stolen baggage, and trip delays due to airline or weather disruptions. Maximum payouts vary but can range from $500 to $1,500 for baggage and up to $1,000 for trip delays, depending on the policy.

Will my private U.S. health insurance cover me in Montenegro?

Most U.S. private health insurers do not provide international coverage, except for a few high-tier plans. U.S. Medicare and Medicaid do not offer coverage abroad. This is why supplemental travel medical insurance is strongly recommended for anyone traveling to Montenegro.

Can I buy travel insurance for Montenegro if my trip has already started?

Yes, some insurers allow you to buy travel insurance after departure, but coverage for pre-existing events or current illnesses is usually excluded. It is always best to purchase a policy before your trip to ensure you are fully covered for the entire duration.

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.

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