We analyzed 13 major travel insurance providers across affordability, coverage breadth, service quality, and financial stability to identify the best options for Croatia trips.
Best Travel Insurance for Croatia
Travel insurance for Croatia starts at $62 for week-long trips. We analyzed 13 providers to identify the best coverage for Adriatic adventures, medical emergencies, and trip disruptions.
Find the best Croatia travel insurance options below.
Updated: January 2, 2026
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Key Takeaways
World Nomads leads with a 93/100 score, offering complete adventure sports coverage and flexible post-departure purchase options for $95 per week.
Croatia doesn't require travel insurance for U.S. tourists, but Croatian hospitals demand upfront payment and U.S. health insurance won't cover international medical expenses.
Scuba diving, island ferry travel, and coastal water sports require specialized coverage that standard plans often exclude, requiring activity-specific policies for Adriatic itineraries.
Best Travel Insurance Companies for Croatia
1 | World Nomads | 93/100 | Adventure travelers | $95 |
2 | Generali | 92/100 | Comprehensive coverage | $73 |
3 | Allianz | 91/100 | Service and claims | $98 |
4 | IMG | 91/100 | Medical coverage | $76 |
5 | Travelex | 88/100 | Budget option | $62 |
Best Overall
World Nomads
- MoneyGeek Score: 93/100
- Best For: Adventure travelers and backpackers
- Cost: $95 for a $2,500 week-long trip
World Nomads earned the highest score through its comprehensive adventure sports coverage and flexible booking options. The Standard plan covers activities like hiking in Plitvice Lakes National Park and sea kayaking along the Dalmatian Coast without requiring pre-declaration. World Nomads allows you to purchase coverage after you've already departed and extend your policy while traveling.
Best Coverage
Generali Global Assistance
- MoneyGeek Score: 92/100
- Best For: Comprehensive medical protection
- Cost: $73 for a $2,500 week-long trip
Generali's Standard plan provides $100,000 in emergency medical coverage and $250,000 for emergency evacuation. The Premium plan provides a pre-existing condition waiver if purchased within 14 days of your initial trip deposit. Generali operates 24/7 multilingual assistance centers.
Best Service
Allianz
- MoneyGeek Score: 91/100
- Best For: Digital experience and claims processing
- Cost: $98 for a $2,500 week-long trip
Allianz scored 100 out of 100 for service and claims handling through its mobile app and online claims portal. The Basic plan covers trip cancellation up to 100% of your trip cost and provides $75,000 in emergency medical coverage. Allianz processes most claims within 10 business days.
Best for Medical Coverage
IMG
- MoneyGeek Score: 91/100
- Best For: Extended medical protection
- Cost: $76 for a $2,500 week-long trip
IMG's Choice plan offers primary medical coverage, meaning it pays first before your domestic health insurance. The LX plan provides $1 million in medical evacuation coverage. IMG specializes in international medical insurance with direct billing arrangements at hospitals throughout Croatia.
Best Budget Option
Travelex
- MoneyGeek Score: 88/100
- Best For: Cost-conscious travelers
- Cost: $62 for a $2,500 week-long trip
Travelex's Essential plan provides core trip cancellation and medical coverage at the lowest price point among reviewed companies. Despite its affordability, the plan includes $250,000 in emergency evacuation coverage and 24/7 travel assistance. You can add Cancel For Any Reason coverage for 75% reimbursement.
How Much Does Croatia Travel Insurance Cost?
Travel insurance for Croatia ranges from $62 to $229 for a week-long trip, with costs increasing based on your trip investment and coverage level. World Nomads uses flat-rate pricing regardless of trip cost, while traditional carriers like Travelex and Generali calculate premiums as a percentage of trip cost. Travelers over 60 pay 40% to 60% more than younger adults.
Travelex | Essential | $62 | $202 | $481 |
BHTP | ExactCare Value | $69 | $151 | $316 |
Generali | Standard | $73 | $140 | $275 |
IMG | Lite | $76 | $162 | $333 |
IMG | Choice | $78 | $146 | $281 |
Generali | Preferred | $86 | $163 | $318 |
World Nomads | Standard | $95 | $95 | $95 |
Allianz | Basic | $98 | $204 | $417 |
Travel Guard | Essential | $103 | $200 | $392 |
Allianz | Prime | $136 | $274 | $549 |
World Nomads | Explorer | $158 | $158 | $158 |
Travel Guard | Preferred | $189 | $359 | $700 |
Note: Costs based on California residents traveling October 1-7, 2025, with coverage purchased August 4, 2025. Your actual rates will vary based on your age, residence state, and specific travel dates.
What Travel Insurance Covers in Croatia
Travel insurance for Croatia protects against trip cancellations, medical emergencies, and lost belongings. Standard policies cover these situations:
Trip Cancellation and Interruption
You'll receive reimbursement for prepaid, non-refundable expenses if you must cancel due to covered reasons like illness, injury, jury duty, or severe weather. Trip interruption coverage reimburses unused trip costs and additional transportation if you must return home early. Most plans cover 100% to 150% of your trip cost.
Emergency Medical Coverage
Plans provide $50,000 to $250,000 for medical treatment in Croatia. Emergency medical evacuation coverage ranges from $100,000 to $1 million to transport you to adequate medical facilities or back home if medically necessary. Some plans offer primary coverage that pays first, while others provide secondary coverage after your domestic health insurance.
Baggage Protection
Coverage for lost, stolen or damaged luggage typically ranges from $500 to $2,500 per person. Baggage delay benefits of $100 to $600 reimburse essential purchases if your bags arrive late. Plans include per-item limits of $250 to $500 and lower limits for valuable items like electronics and jewelry.
Travel Delays
If your trip is delayed six to 12 hours, you'll receive $100 to $250 per day for meals and accommodations. Missed connection coverage of $500 to $1,500 reimburses transportation costs if you miss your cruise departure or tour start due to flight delays.
Pre-Existing Conditions
Most insurers waive pre-existing condition exclusions if you purchase coverage within the required timeframe of your initial trip deposit and meet other requirements. This allows coverage for complications from conditions like diabetes, heart disease or cancer that existed before you bought your policy.
Do I Need Travel Insurance for Croatia?
Croatia doesn't require travel insurance for U.S. tourists, though the country joined the Schengen Area in 2023. Croatian public hospitals charge uninsured patients $200 to $400 for emergency room visits and $1,500 to $4,000 daily for inpatient care, with private clinics along the Dalmatian Coast charging higher rates. Medical evacuation from Croatia to the U.S. costs $50,000 to $100,000, and Medicare doesn't provide coverage outside the U.S.
You should buy travel insurance if:
- Your trip costs more than $1,000
- You're traveling during peak summer season when flight disruptions increase
- You have pre-existing medical conditions
- Your trip includes sailing, island hopping or water sports
- You booked non-refundable villa rentals or private tours
- You're visiting during shoulder season when ferry schedules are unpredictable
Skip travel insurance if your trip is fully refundable or your credit card provides adequate travel insurance coverage. Many premium cards offer trip cancellation and medical coverage with lower limits than standalone policies.
How to Choose Travel Insurance for Croatia
Select coverage based on your Croatian itinerary, planned activities, and trip investment. Calculate your total at-risk costs, including flights, accommodations, island ferry tickets, and prepaid tours or excursions.
- 1Match Coverage to Croatian Activities
Croatia's Adriatic coast and islands require specific activity coverage. World Nomads and IMG cover kayaking in Dubrovnik, sailing between Split and Hvar, and snorkeling in Mljet National Park without pre-approval. If you're planning scuba diving in Kornati archipelago, confirm your policy covers depths beyond recreational limits. Zip-lining in Omiš and white-water rafting on Cetina River fall under adventure sports that standard plans often exclude.
- 2Evaluate Medical Coverage for Coastal Travel
Base plans provide $50,000 to $100,000 in medical coverage. Increase to $150,000 or more if you're visiting remote islands like Vis or Lastovo where medical facilities are limited and emergency evacuation to Split or Zagreb costs $10,000 to $25,000. Primary medical coverage pays first rather than requiring coordination with U.S. insurers, which matters when Croatian hospitals demand upfront payment.
- 3Consider Trip Cancellation for Peak Season
Summer travel from June through September sees the highest cancellation rates due to overbooked flights and ferry disruptions. Cancel For Any Reason coverage reimburses 50% to 75% of trip costs when you change plans for reasons outside standard policy terms. Purchase CFAR within 10 to 21 days of your initial deposit and cancel at least 48 hours before departure.
- 4Account for Ferry and Inter-Island Transportation
Jadrolinija and Krilo ferries between islands cancel due to rough seas, particularly during bora winds. Trip delay coverage of $150 to $250 per day covers accommodations if weather delays your island connections. Missed connection benefits apply if you miss your Dubrovnik cruise departure due to Split ferry cancellations.
- 5Review Pre-Existing Condition Waivers
Purchase coverage within 10 to 21 days of your initial trip deposit to waive pre-existing condition exclusions. This covers complications from chronic conditions during your trip. Plans require your trip to be fully insured and travelers to be medically able to travel when purchasing coverage.
Croatia Travel Insurance: FAQ
Can I buy travel insurance after arriving in Croatia?
Most providers require purchase before departure, but World Nomads allows you to buy coverage after you've left home. You'll face a 72-hour waiting period before coverage begins. This option works for extended trips where you decide mid-journey to visit Croatia.
Does travel insurance cover ferry travel between Croatian islands?
Yes, standard policies cover ferry transportation as part of your trip. Cancellation coverage applies if your ferry is cancelled due to weather. Travel delay benefits kick in if your ferry is delayed by six or more hours. Confirm your specific policy includes water transportation between destinations.
What happens if I get injured doing water sports in Croatia?
Adventure-focused plans from World Nomads and IMG cover water sports like kayaking, snorkeling, and paddleboarding. Standard plans exclude jet skiing, parasailing, and kitesurfing. Check your policy's sports coverage list before participating in activities. Medical coverage applies to treatment costs regardless of how the injury occurred.
How We Chose the Best Travel Insurance for Croatia
We evaluated 13 travel insurance providers for Croatia trips using a four-factor scoring system:
- Cost (40%): We compared premiums across three trip values ($2,500, $5,000, $10,000) for one-week Croatian vacations. Lower costs ranked higher.
- Coverage (30%): We assessed seven metrics, including trip cancellation limits, emergency medical benefits, evacuation coverage, and baggage protection.
- Claims and Service (25%): We analyzed customer service availability, mobile app functionality, claims portal access, and digital experience ratings.
- Financial Stability (5%): We evaluated AM Best ratings, with A+ rated insurers receiving maximum points.
This methodology produces balanced assessments that reward affordability, complete protection, service excellence, and financial security.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.