Compare travel insurance for Croatia

Spectacular coastline drives, high-rising mountains and breathtaking national parks are just a few reasons why Croatia is such a popular holiday destination. Find out what you need to know about travel insurance for Croatia before you go.

Spectacular coastline drives, high-rising mountains and breathtaking national parks are just a few reasons why Croatia is such a popular holiday destination. Find out what you need to know about travel insurance for Croatia before you go.

Josh Daniels
Travel Insurance expert
minute read
Do you know someone who could benefit from this article?
Last Updated 9 MARCH 2022

Do I need travel insurance for Croatia? 

Having travel insurance 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.

Customers with pre-existing medical conditions

If you have a serious health condition, your travel insurance is likely to be more expensive. Whatever happens, don’t lie to an insurance provider, because this could mean any claim you make is rejected. When you declare any medical conditions on our website, we’ll only show you quotes from insurance providers who will cover them, with no exclusions.

If your condition is more serious, MoneyHelper has a directory of insurance providers who may be able to provide quotes over the phone. You can call them on 0800 138 7777.

How much is travel insurance for Croatia? 

If you’re travelling to Croatia, you’ll need European travel insurance. A single trip policy for a week’s stay could cost as little as £6^ – when you consider that medical treatment without travel insurance could run into the thousands, you could say it’s a few pounds well spent.  

However, there are a few factors that could bump up the cost of your travel insurance – for example, if you have a medical condition or need cover for more adventurous activities such as rock climbing and paragliding. But it’s better to pay slightly more to ensure you’re properly covered, than finding out you’re not protected if something happens.

^Based on Compare the Market data for a single trip travel policy for a 20-year-old with no pre-existing medical conditions travelling in Europe for 1 week. Prices correct as of January 2022.

What will Croatia travel insurance cover? 

Travel insurance can vary between providers, but a standard policy for Croatia should include: 

  • Medical treatment – covers the cost of emergency medical care if you become ill or are injured during your trip to Croatia. A good policy should also include repatriation costs if it’s necessary to fly you back home for treatment.
  • Damage, loss or theft of your luggage – cover for your personal belongings. Remember to keep the receipts if items have to be replaced during your trip, as you’ll need them to make a claim when you return to the UK.
  • Flight cancellations– this may allow you to reclaim costs if you need to cancel for a valid reason such as illness, redundancy, bereavement or jury duty. Check whether your policy also covers missed departures and delays.
  • Holiday cancellation – covers the booking costs and cancellation charges for transport, accommodation and excursions if you need to cancel your trip for a valid reason – note that you won’t be covered if you simply change your mind and decide not to go.
  • COVID-19 cover – many providers are now offering limited cover for COVID-related claims such as medical treatment, cancellation or additional accommodation expenses if you have to self-isolate while you’re away. When you compare with us, we can show you quotes for travel insurance with different levels of COVID cover. Just choose the ‘more details’ option on the quote results page.

What won’t Croatia travel insurance cover? 

There are a few eventualities that travel insurance won’t cover you for. These can include: 

  • Drugs and alcohol – you won’t be covered for any accidents that happen while you were under the influence.
  • Pre-existing medical conditions that haven’t been declared to your insurance provider.
  • Natural disasters – Croatia is a seismic country and strong earthquakes are a risk (the most recent one in 2020 caused seven deaths). Some providers may offer limited cover, so check that you’re covered for emergency medical care at the very least.
  • Acts of terrorism – unfortunately, the risk of terrorist acts in Europe can never be ruled out. Some providers offer limited cover such as emergency medical care, and you may be able to extend your cover at an extra cost. 

It’s important to check your policy carefully before you buy, so you know exactly what’s covered and what’s not.

What else should I consider when I choose my travel insurance? 

Think about what you’ll be doing during your holiday. With its fabulous coastline and rugged mountainous regions, Croatia is a great destination for adrenaline-pumped activities. Just be aware that you’ll probably need extra cover for high-risk sports. For example: 

  • Extreme sports travel insurance offers a higher level of cover if you’re rock climbing in Paklenica National Park, exploring Modrica Cave or white-water rafting on the Una River.
  • Water sports cover offers extra protection for higher risk activities such as windsurfing at Viganj, kite-boarding off Ušće Beach or wreck-diving along the Croatian coast.

Do I need a visa to visit Croatia? 

No, you can travel to Croatia for up to 90 days in any 180-day period without a visa. 

More details about the entry requirements for Croatia can be found on the GOV.UK website, including rules on COVID-19 vaccines and testing.

Is my EHIC card valid for Croatia? 

If you have a valid  European Health Insurance Card (EHIC), you can still use it to access the same medical treatment as Croatian locals. Since Brexit, you can no longer apply for an EHIC. But if you have one already that was issued before the end of 2020, then it’ll still be valid until the expiry date. 

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. 

The UK Government has introduced a replacement called the Global Health Insurance Card (GHIC). If you don’t have an EHIC or yours is about to expire, 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.

Any other tips for travel to Croatia? 

Official currency – the legal currency is the Croatian kuna. The euro is not legal tender, so businesses aren’t obliged to accept them. However, many shops, restaurants, bars and hotels in cities and larger towns do accept euros on an ‘unofficial basis’. You’ll probably get a better rate for the kuna, so make sure you pay in the local currency if you’re using your credit card.

Carry cash – if you’re travelling around the country, you’ll need Croatian cash to hand as smaller towns might not accept cards or euros, especially on the islands. 

Tipping – while it’s not expected in Croatia, a 10-15% tip or rounding up your bill will generally be appreciated.

Insect bites – mosquitos and ticks can be a nuisance from late spring to autumn, so be sure to pack a good insect repellent. Wearing lighter clothes and avoiding fragrances can also help keep them at bay. If you’re hiking in Croatia, wear thicker socks and cover up your legs to prevent tick bites, as these could make you seriously unwell. 

Book well in advance – many services get fully booked in the peak summer months, so try to get your accommodation and activities sorted before you go.

Where can I compare travel insurance quotes? 

It’s a good idea to get your travel insurance sorted when you book your trip; that way you’re covered for any problems that might occur before you set off for Croatia. 

Compare travel insurance deals with our easy-to-use comparison service to help you get the right level of cover ahead of your trip.

Looking for a quote?

Get a new travel insurance quote in minutes and you could start saving.

Get a quote
Compare travel insurance Get a quote