Travel Insurance for Croatia

Written and researched by Michael Kays (Travel Insurance Expert) | Fact Checked by Danya Kristen (Insurance Agent).

From the ancient city walls of Dubrovnik to the tranquil beauty of Plitvice Lakes National Park, the mesmerizing allure of Croatia has been capturing the hearts of global travelers.

As you prepare to embark on your Croatian escapade, remember, the key to an enjoyable, stress-free journey lies in well-rounded preparation – a vital aspect of which is securing reliable travel insurance for Croatia.

This comprehensive guide delves into why travel insurance is essential for your Croatian journey and the factors you need to consider when selecting a policy.

The Need for Travel Insurance in Croatia

Travel insurance provides a financial safety net that can transform your trip from stressful to serene. Here’s why you should consider it for your trip to Croatia:

  1. Medical Emergencies: Croatian healthcare is generally of high quality, but costs can escalate quickly if you need specialized treatment or hospitalization. Travel insurance can cover these costs, ensuring you get the necessary care without breaking the bank.
  2. Travel Disruptions: Flights can be delayed, cancelled or rescheduled, and sometimes, personal emergencies can interrupt your travel plans. Travel insurance can cover losses arising from these disruptions.
  3. Lost or Stolen Luggage: Croatia’s tourist destinations can get quite busy, and there’s always a risk of losing your luggage or personal belongings. With travel insurance, you’re compensated for lost or stolen items.
  4. Personal Liability: If you accidentally cause injury to someone else or damage their property during your trip, travel insurance can cover the potential legal costs and damages.
  5. Adventure Activities: Whether you’re sailing along the Croatian coastline or hiking in the Paklenica National Park, adventure activities often involve risk. Ensure your policy covers such activities.

Recommended Plans

✅ Atlas America

Up to $2,000,000 of Overall Maximum Coverage, Emergency Medical Evacuation, Medical coverage for eligible expenses related to COVID-19, Trip Interruption & Travel Delay.

✅ Safe Travels Comprehensive

Coverage for in-patient and out-patient medical accidents up to $1 Million, Coverage of acute episodes of pre-existing conditions, Coverage from 5 days to 364 days (about 12 months).

✅ Patriot America Platinum

Up to $8,000,000 limits, Emergency Medical Evacuation, Coinsurance for treatment received in the U.S. (100% within PPO Network), Acute Onset of Pre-Existing Conditions covered.

Considerations When Choosing Travel Insurance for Croatia

To navigate the complex world of travel insurance policies, consider the following factors when choosing coverage for your Croatian journey:

  1. Extent of Medical Coverage: Make sure the policy offers extensive medical coverage. This should include hospitalization, treatment for injuries or illnesses, and emergency evacuation if necessary.
  2. Trip Cancellation and Interruption Coverage: The policy should provide coverage for trip cancellation and interruption. This will safeguard you from financial loss if you must cancel or cut short your trip due to unforeseen circumstances.
  3. Lost or Stolen Baggage: Choose a policy that provides comprehensive coverage for lost or stolen baggage. This will allow you to replace necessary items and continue your journey without major disruptions.
  4. Personal Liability Coverage: In case you accidentally injure someone or damage property during your trip, personal liability coverage will protect you from the associated costs.
  5. Adventure Activities: If you plan on engaging in adventurous activities like sailing, hiking, or diving, ensure your policy covers these. If not, you may need to buy additional coverage.


Your Croatian adventure deserves to be enjoyed to the fullest, and travel insurance for Croatia ensures just that.

With its protection, you can navigate the charming streets of Zagreb, relax on the beaches of Hvar, or explore the ancient ruins of Split with complete peace of mind.

Before you embark on your journey, make sure to choose a policy that fits your needs, taking into account the nature and duration of your trip, your planned activities, and your personal health circumstances.

Here’s to a Croatian vacation filled with wonderful memories and the assurance that you are well-covered. Happy travels!

Compare and Choose the Best Travel Insurance for Your Croatian Trip

1. Is travel insurance mandatory for traveling to Croatia?

Travel insurance isn’t mandatory for traveling to Croatia.

However, it’s highly recommended due to the potential high costs of medical care and other unforeseen expenses that can occur while traveling.

2. Does travel insurance cover COVID-19 related issues?

It depends on the policy. Some insurance providers have started to offer coverage for certain COVID-19 related issues, such as medical expenses and trip cancellation due to infection.

However, it’s essential to read the policy’s fine print or directly contact the insurance provider for confirmation.

3. Will my travel insurance cover me if I participate in adventure sports in Croatia?

Again, this depends on your specific policy. Some policies exclude adventure sports due to their inherent risk, while others offer coverage for an additional premium.

It’s best to check with your insurance provider before participating in any adventure sports.

4. What should I do if I lose my luggage in Croatia?

First, report the loss to the relevant authorities (e.g., airline or local police) and get a written report. Then, contact your insurance provider as soon as possible to initiate a claim.

5. Can I buy travel insurance after I’ve started my trip to Croatia?

Typically, travel insurance should be purchased before your trip begins.

However, some insurance providers may allow you to purchase coverage after the trip has started, although conditions and exclusions may apply.

It’s always best to buy travel insurance in advance to ensure comprehensive coverage.

6. Does travel insurance cover trip cancellation?

Most travel insurance policies cover trip cancellations due to unforeseen circumstances like illness, injury, or death of the insured or a close family member.

However, the specifics can vary from policy to policy, so it’s important to read the terms and conditions carefully.

7. How does travel insurance handle pre-existing conditions?

Coverage for pre-existing conditions varies greatly among insurance providers.

Some policies may exclude them entirely, others might cover them partially, and some may cover them fully after a waiting period.

It’s crucial to disclose any pre-existing conditions to your insurer and understand how they are covered under your chosen policy.

Remember, while this information is intended to be helpful, it’s always best to directly contact your chosen insurance provider for the most accurate and up-to-date information.