Best Travel Insurance for Serbia in 2025
- The best travel insurance plans for Serbia
- Is it currently safe to travel to Serbia?
- Is Travel Insurance Required by Law to Enter Serbia?
- Why take out travel insurance for Serbia?
- Travel Insurance Coverage for Serbia
- The cost of travel insurance for Serbia
- How to Pay Less for Your Travel Insurance to Serbia
- Your current insurance coverage in Serbia
- FAQ
Travel insurance for Serbia: key takeaways
1. Definition: Travel insurance for Serbia covers medical emergencies, repatriation, and other unexpected travel-related incidents.
2. Key protection: Insurance is not mandatory but is highly recommended for covering potential high medical costs.
3. Healthcare cost: Private healthcare is available, with a hospital stay costing several hundred dollars per night.
4. Price: A one-week travel insurance policy for Serbia typically costs between $30 and $50.
5. Good to know: U.S. health insurance, including Medicare/Medicaid, is generally not accepted in Serbia for medical services.
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 everything you need to know to choose the best travel insurance for Serbia.
The best travel insurance plans for Serbia
| Contract we recommend | Medical reimbursement limit | Our view |
|---|---|---|
| HelloTravel Premium | $1.1M | Our advice for secure travel to Serbia. - high coverage limit - medical evacuation included - wide guarantee scope |
| Cap Assistance 24/24 | $1.1M | A solid option with flexible benefits and reliable support. - 24/7 medical help - easy claims - emergency evacuation |
| Tourist Card | $545k | Good for tourism in Serbia with basic but essential protection. - decent medical limit - value pricing - emergency help |
| Travel Pass Monde | $765k | Balanced for trips of any length with strong health protections. - repatriation - hospital stays - family benefits |
| Globe Partner | $327k | Recommended for simple cover and clear terms. - medical treatment abroad - civil liability - repatriation |
| Globe Traveller | $545k | Suits short or low-risk trips to Serbia. - basic health coverage - fast reimbursement - low deductible |
- high coverage limit
- medical evacuation included
- wide guarantee scope
- 24/7 medical help
- easy claims
- emergency evacuation
- decent medical limit
- value pricing
- emergency help
- repatriation
- hospital stays
- family benefits
- medical treatment abroad
- civil liability
- repatriation
- basic health coverage
- fast reimbursement
- low deductible
Is it currently safe to travel to Serbia?
As of June 2025, the U.S. Department of State advises travelers to exercise increased caution when visiting Serbia, mainly due to ongoing concerns about crime, particularly related to organized groups and crowded events. Travel is not discouraged, but vigilance remains necessary.
Here are their four main recommendations.
- Security risks: petty crime, including pickpocketing and theft, is frequent in city centers and at major events. Travelers should avoid displaying valuables and remain alert in areas such as Belgrade’s historic districts.
- Health risks: standard vaccinations, including measles and hepatitis A and B, are recommended for entry. Rural areas may present risks from tick-borne encephalitis and insect-borne diseases, especially during outdoor activities.
- Legal requirements: a valid U.S. passport is required for stays up to 90 days. Carry a copy of your passport and leave the original in a secure place, as passport checks are routine near borders.
- Urban precautions: ATM scams and theft from parked vehicles are reported in urban locations, notably in Belgrade and Novi Sad. Avoid isolated areas, especially at night, and use official taxis.
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 Serbia.
Is Travel Insurance Required by Law to Enter Serbia?
No, travel insurance is not mandatory for U.S. citizens to enter Serbia for stays of up to 90 days.
However, travel insurance is strongly recommended because medical care, emergency repatriation, and other unexpected expenses can be expensive. Comprehensive insurance offers peace of mind, especially in case of illness, theft, or accident during your stay.
According to our data, 50% of travelers purchase travel insurance before going to Serbia, as it is a safe European destination but accidents or health emergencies can still lead to high costs.
Why take out travel insurance for Serbia?
It is an essential financial and medical protection for anyone going to Serbia.
While Belgrade offers several modern hospitals and clinics, such as BelMedic and Acibadem, treatment in private facilities can be expensive and public hospitals outside major cities may lack resources. Foreigners are often directed to private clinics where costs for overnight stays, surgery, or advanced diagnostics can be high.
Travel insurance covers medical fees, hospitalisation, medication, ambulance transport and emergency repatriation to the US in the event of a serious incident.
Here are some examples of healthcare costs in Serbia.
| Example of medical treatment | Cost at Acibadem Bel Medic Clinic | Covered by travel insurance |
|---|---|---|
| I have to be hospitalized 48 hours after contracting an infection | 90,000 RSD (about $830) | up to 100% |
| I broke my tibia (X-ray, cast, and crutch rental) | 60,000 RSD (about $550) | up to 100% |
| I need to be repatriated | 850,000 RSD (about $7,750) | up to 100% |
| I have appendicitis (consultation and surgery) | 250,000 RSD (about $2,280) | 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 Serbia
| Main coverages | Explanations and recommendations |
|---|---|
| 🏥 Medical expenses | Covers doctor visits, hospitalization, surgery, and outpatient care in Serbia. We recommend at least $100,000 reimbursement limit for medical expenses. |
| ✈️ Emergency evacuation | Pays for medical evacuation to the US or the nearest capable facility in case of severe illness or accident. Minimum recommended limit: $150,000. |
| 🚑 Repatriation | Covers the cost of returning you to the US in case of serious health issues or death. Choose a plan with at least $50,000 coverage for repatriation. |
| 💼 Luggage and valuables | Protects against theft, loss, or damage to your baggage and personal effects during your stay. Recommended limit: $2,500. |
| ❌ Trip cancellation and interruption | Reimburses non-refundable costs if your trip is canceled or cut short for covered reasons (medical, family emergencies, etc). Select a reimbursement limit of at least $5,000. |
| 🏄♂️ Activities and sports | Provides coverage for injuries during activities like hiking or skiing, common in Serbia's national parks. Check for a limit of at least $10,000 if you plan on engaging in such activities. |
| 🚗 Rental car coverage | Covers damages to a rental vehicle or injuries during rental car use. Recommended minimum: $35,000. |
| 🦠 Personal liability | Protects you if you are held responsible for accidental injury or property damage to others. Recommended coverage: $50,000. |
We recommend at least $100,000 reimbursement limit for medical expenses.
Minimum recommended limit: $150,000.
Choose a plan with at least $50,000 coverage for repatriation.
Recommended limit: $2,500.
Select a reimbursement limit of at least $5,000.
Check for a limit of at least $10,000 if you plan on engaging in such activities.
Recommended minimum: $35,000.
Recommended coverage: $50,000.
Travel insurance from local providers or bank cards often offers limited coverage, with low limits and many exclusions. It is safer to choose a trusted insurer with comprehensive protection. Compare top options on HelloSafe and subscribe online for instant certification.
The cost of travel insurance for Serbia
| Trip duration | Traveler’s age | Indicative price per person |
|---|---|---|
| 1 week | 25 years old | $18 |
| 2 weeks | 45 years old | $31 |
| 1 month | 35 years old | $46 |
| 1 month | 70 years old | $120 |
These prices are indicative and may vary depending on the coverage chosen and the specifics of each insurer.
Good to know
The cost of travel insurance can vary significantly. Price is determined by factors like the traveler's age, trip duration, destination, and selected coverage options, such as cancellation protection. Remembering these details is key to choosing the right plan for your needs and budget, so you can travel with peace of mind.
💡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 Serbia
Here are some suggestions to optimize the cost of your travel insurance to Serbia while keeping good coverage:
| Criteria | Why it matters | Expert tip |
|---|---|---|
| ✈️ Trip duration | Insurance cost depends on the length of stay. Shorter trips usually cost less. | Adjust travel dates accurately and avoid over-insuring for days you won’t be abroad. |
| 👥 Number of travelers | Group or family plans might be more affordable than individual policies. | Look for family or group deals, which often offer better rates per person. |
| 🎂 Traveler's age | Age can affect cost, especially for older travelers. | Heymondo does not increase its prices for people over 62, making it a great choice for seniors. |
| 🩺 Level of coverage | The more comprehensive the coverage, the higher the price. | Select a plan with essential medical and evacuation coverage, but skip unnecessary add-ons. |
| 💰 Deductible amount | Higher deductibles mean lower premiums, but you’ll pay more out-of-pocket in a claim. | Choose a deductible that’s affordable for you, striking a balance between cost and risk. |
| 💳 Payment options | Some insurers discount policies for lump-sum payment instead of monthly payments. | If possible, pay in one installment to benefit from available payment discounts. |
| 🏷️ Special activities | Adventure or sports coverage increases cost, relevant for active travel in Serbia. | Only add extra activity coverage if you plan to participate in risky sports or excursions. |
Your current insurance coverage in Serbia
It is completely legitimate to wonder whether your existing coverage, such as credit card insurance or private health coverage, can protect you during a trip to Serbia. Unfortunately, this coverage is often very limited or insufficient for international medical or emergency situations.
Here is a summary table to help you review your current insurance and what it covers.
| Type of insurance | Valid in Serbia? | What it covers | Why Travel Insurance is better |
|---|---|---|---|
| Public health insurance | No, never | No coverage outside the United States, no reimbursement for medical care or hospitalization abroad | Travel insurance covers $100,000+ for medical care and repatriation in Serbia |
| Private health insurance | Yes, partly | Often covers emergency medical care abroad up to $50,000, rarely includes repatriation or trip interruption | Travel insurance covers higher medical limits, repatriation, and 24/7 support in Serbia |
| Classic credit card (Visa Classic, Mastercard Standard) | Yes, partly | Medical expenses up to $5,000–$10,000, no trip cancellation or baggage coverage | Travel insurance covers $100,000+ medical care, baggage, and trip cancellation |
| Premium credit card (Chase Sapphire Preferred, Amex Gold, Mastercard World) | Yes, partly | Medical expenses up to $50,000–$150,000, some trip delay or baggage loss | Travel insurance covers higher medical limits and offers assistance throughout your stay |
Example
While skiing in Serbia's Kopaonik mountains, Mark suffered a complex leg fracture. Emergency surgery and a hospital stay in Belgrade cost $25,000. His Chase Sapphire card's travel protection only covered $2,000, and his US health plan deemed the foreign private clinic "out-of-network," leaving him with a staggering $23,000 bill.
Expert advice
Always check the terms, exclusions, and limits of your existing insurance. Critical events, like trip interruption for a relative's illness, may not be covered. Read the fine print carefully to avoid nasty surprises abroad. In all cases, it's safer and more reassuring to purchase dedicated travel insurance tailored to your trip.
FAQ
Do I need a visa to travel to Serbia?
U.S. citizens do not need a visa for tourist stays in Serbia of up to 90 days. You must have a valid U.S. passport with at least one blank page for the entry stamp. Make sure your passport is valid for the entire duration of your stay.
How do I purchase travel insurance for Serbia?
First, compare available plans using the HelloSafe travel insurance comparison tool. Next, check coverages and exclusions, especially for medical needs and travel disruptions in Serbia. Then, buy your policy online. You will receive your insurance certificate by email.
Is healthcare in Serbia expensive for travelers?
Medical treatment in Serbia can be costly, especially in private clinics, and payment is often expected upfront. While public facilities exist, they may not offer the same standards as in the U.S. Comprehensive travel insurance can protect you from unexpected high medical costs.
What should I look for in travel insurance for Serbia?
Choose a plan with at least $50,000 in medical coverage and ensure emergency evacuation and repatriation are included. Because petty theft and travel interruptions can happen, consider coverage for personal belongings and trip delays when selecting a policy.
Can I extend my travel insurance if I stay in Serbia longer than planned?
Most insurers allow you to extend your travel insurance before the original policy expires. If you decide to stay longer in Serbia, contact your insurance provider online or by phone to arrange an extension before your coverage ends.
Are vaccinations a requirement for travel insurance coverage in Serbia?
Routine vaccinations are not mandatory for purchasing travel insurance for Serbia. However, insurers may advise following CDC or WHO recommendations, especially for measles and hepatitis. Always carry vaccination records and follow the recommended immunizations for optimal safety.
Do I need a visa to travel to Serbia?
U.S. citizens do not need a visa for tourist stays in Serbia of up to 90 days. You must have a valid U.S. passport with at least one blank page for the entry stamp. Make sure your passport is valid for the entire duration of your stay.
How do I purchase travel insurance for Serbia?
First, compare available plans using the HelloSafe travel insurance comparison tool. Next, check coverages and exclusions, especially for medical needs and travel disruptions in Serbia. Then, buy your policy online. You will receive your insurance certificate by email.
Is healthcare in Serbia expensive for travelers?
Medical treatment in Serbia can be costly, especially in private clinics, and payment is often expected upfront. While public facilities exist, they may not offer the same standards as in the U.S. Comprehensive travel insurance can protect you from unexpected high medical costs.
What should I look for in travel insurance for Serbia?
Choose a plan with at least $50,000 in medical coverage and ensure emergency evacuation and repatriation are included. Because petty theft and travel interruptions can happen, consider coverage for personal belongings and trip delays when selecting a policy.
Can I extend my travel insurance if I stay in Serbia longer than planned?
Most insurers allow you to extend your travel insurance before the original policy expires. If you decide to stay longer in Serbia, contact your insurance provider online or by phone to arrange an extension before your coverage ends.
Are vaccinations a requirement for travel insurance coverage in Serbia?
Routine vaccinations are not mandatory for purchasing travel insurance for Serbia. However, insurers may advise following CDC or WHO recommendations, especially for measles and hepatitis. Always carry vaccination records and follow the recommended immunizations for optimal safety.
