Compare travel insurance for Croatia

Driving along the coast, high-rising mountains and breath-taking national parks, are just a few reasons as to why Croatia is a popular holiday destination. Read our guide on what you need to know about travel insurance for Croatia before you go.

Driving along the coast, high-rising mountains and breath-taking national parks, are just a few reasons as to why Croatia is a popular holiday destination. Read our guide on what you need to know about travel insurance for Croatia before you go.

Josh Daniels
From the Travel team
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Posted 01 FEBRUARY 2021

Why do I need travel insurance for Croatia?

It’s important to have travel insurance wherever your destination, and Croatia is no exception. Having cover means you have financial protection against the cost of medical care, theft and other potential losses.

Croatian cities have become home to a growing festival culture, attracting people from all over the world - with large crowds it’s a good idea to have cover in case any of your belongings are lost or stolen.

Travel insurance can cover the costs of items that are stolen or damaged. You’ll need to check your single item limit on your policy, as you may not be able to claim back the full value of expensive items. It’s important to know that being under the influence of alcohol can also invalidate your ability to claim, so check your policy before you travel.

A standard travel insurance policy should cover you for any routine activities, but if you plan to take part in water sports or extreme sports, you may need additional cover.

It’s a good idea to arrange your travel insurance when you book your holiday. You then should be able to claim back the cost of your holiday should you need to cut your trip short or cancel altogether due to an emergency.


From 17 May 2021, a travel traffic light system has been introduced and trips to green listed countries will be legally permitted if you live in England and Scotland. If you live in Wales and Northern Ireland, you still need to follow the rules for your relevant local authority, which can be found here.

If a country is on the green list, you still need to check the latest travel advice and entry requirements for each country you visit or transit through. This is to ensure you're aware of any specific requirements relating to entry and to check travellers from the UK are permitted. Countries can have their traffic light status changed at short notice and you should take this into consideration when looking to travel. Please check the Foreign, Commonwealth & Development Office (FCDO) advice for the latest information.

The FCDO advises against all but essential travel to most amber and red listed countries. Should you choose to travel against the FCDO rules, you will not be covered by any travel insurance policy you purchase. Some providers do offer cover for international travel if you’re travelling for essential purposes, however most do not. In all cases, should you have any queries please check the policy wording or contact your chosen provider before purchasing to ensure the cover meets your needs.

Travel within England, Scotland and Wales is permitted under the current guidelines. However, public health rules and lockdown restrictions continue to vary, including entry restrictions for Northern Ireland. Check the latest guidance from the official tourism boards for England, Scotland, Wales and Northern Ireland.

Find out more here

Customers with more serious pre-existing medical conditions

Our panel includes insurance providers who quote cover for all medical conditions declared on our website, with no exclusions.

The Money and Pensions Service (MaPs) has launched a directory of insurance providers on its Money Advice Service website that may be able to provide quotes over the phone, if you have more serious medical conditions. Find more information at the Money Advice Service or by calling the British Insurance Brokers’ Association on 0370 950 1790.

What kind of travel insurance will I need for Croatia?

f you’re travelling to Croatia you’ll need European travel insurance. You’ll then need to choose between a single-trip or annual multi-trip policy.

If you plan to visit for a long period of time, then you’ll typically need backpackers insurance. This will ensure that you’re got the right level of cover for your full itinerary.

Think about any additional cover you might need if you’re taking part in any adventure activities, such as scuba-diving.

What else do I need to know when travelling to Croatia?

EHIC: if you’ve got a European Health Insurance Card (EHIC)****, then this will give state you access to the same medical treatment as Croatian locals.

However, this wouldn’t cover other costs linked to a medical emergency, such as an air ambulance. These costs can be covered through your travel insurance policy, as well as treatment not covered under an EHIC.

****After Brexit, and the UK officially left the EU with a deal in place, things have changed. You won’t be able to apply for an EHIC anymore, but, if you have one already, issued before the end of 2020, then it’ll still be valid until the expiry date.

However, the UK government has introduced a replacement called the Global Health Insurance Card (GHIC). If you don’t have an EHIC, or once yours expires, you can apply for a GHIC here, and it should arrive within 10 days. The GHIC will offer the same cover as the EHIC did in EU countries.

Currency: the local currency is Kuna.

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