- 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
- On the same topic
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.
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 recommend | Medical reimbursement limit | Our view |
|---|---|---|
| HelloTravel Premium | 1.1M USD | Comprehensive coverage for travel to Montenegro, high benefit limit and strong flexibility. - extensive medical cover - repatriation - modern insurance terms |
| Cap Assistance 24/24 | 1.1M USD | Best for travelers seeking round-the-clock support and easy claims. - 24/7 helpline - trip cancellation - no deductible |
| Tourist Card | 550k USD | Good standard protection for short or leisure trips. - solid medical cover - emergency assistance - flexible guarantees |
| Travel Pass Monde | 770k USD | Balanced plan for longer stays with strong benefits. - covers repatriation - hospitalization included - wide international coverage |
| Globe Partner | 330k USD | Suitable for moderate-length stays and basic needs. - essential medical protection - civil liability - covers repatriation |
| Globe Traveller | 550k USD | Practical choice for short visits to Montenegro. - basic hospital cover - easy claim process - emergency evacuation included |
- extensive medical cover
- repatriation
- modern insurance terms
- 24/7 helpline
- trip cancellation
- no deductible
- solid medical cover
- emergency assistance
- flexible guarantees
- covers repatriation
- hospitalization included
- wide international coverage
- essential medical protection
- civil liability
- covers repatriation
- basic hospital cover
- easy claim process
- emergency evacuation included
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 treatment | Cost at Codra Hospital | Covered by travel insurance |
|---|---|---|
| I have to be hospitalized 48 hours after contracting an infection | 1,150 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 repatriated | 18,000 EUR (about $19,500) | up to 100% |
| I have appendicitis (consultation and surgery) | 2,700 EUR (about $2,900) | 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 travel insurance for Montenegro should cover
| Main coverages | Explanations and recommendations |
|---|---|
| 🏥 Medical expenses | Pays for hospitalization, outpatient treatment, and emergency medical care if you get sick or injured. The recommended minimum is $100,000. |
| 🚑 Medical evacuation | 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 | Reimburses prepaid non-refundable expenses if you need to cancel your trip for covered reasons. At least $5,000 is advised. |
| 🧳 Baggage loss/delay | Protects against loss, theft, or significant delays of luggage and personal items. Minimum recommendation: $1,500. |
| 🛑 Trip interruption | 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 | Covers expenses if you accidentally cause injury to others or property damage. Suggested limit is $50,000. |
| 🌐 24/7 assistance | Offers emergency support, such as translation, legal help, or finding local care. Make sure this feature is included in your coverage. |
| 🏞️ Adventure activities | Includes risks related to outdoor activities commonly practiced in Montenegro. Look for at least $20,000 in special activity coverage if applicable. |
The recommended minimum is $100,000.
Coverage should be at least $200,000 due to high transport costs.
At least $5,000 is advised.
Minimum recommendation: $1,500.
A minimum of $5,000 is recommended.
Suggested limit is $50,000.
Make sure this feature is included in your coverage.
Look for at least $20,000 in special activity coverage if applicable.
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 duration | Traveler’s age | Indicative price per person |
|---|---|---|
| 1 week | 25 years old | $26 |
| 2 weeks | 45 years old | $44 |
| 1 month | 35 years old | $83 |
| 1 month | 70 years old | $158 |
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 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 compareHow 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:
| Criteria | Why it matters | Expert tip |
|---|---|---|
| 🛡️ Policy coverage | U.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 duration | Insurance 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 age | Age 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 covered | Plans 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 policy | Family 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 history | Declaring pre-existing conditions can increase costs. | Check multiple insurers for favorable terms. Pick providers with fair rates for stable conditions. |
| 💳 Deductible choice | A 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. |
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 insurance | Valid in Montenegro? | What it covers | Why Travel Insurance is better |
|---|---|---|---|
| Public health insurance (Medicare, Medicaid) | No, never | No 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, partly | May 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, partly | Limited 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, partly | Medical 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. |
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.
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.
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