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: February 5, 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 scored highest for its adventure sports coverage and booking flexibility. The Standard plan covers hiking in Plitvice Lakes National Park and sea kayaking along the Dalmatian Coast with no need to declare these activities beforehand. You can buy coverage after you've left home and extend your policy mid-trip.
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 offers $100,000 in emergency medical coverage and $250,000 for emergency evacuation. The Premium plan includes a pre-existing condition waiver when purchased within 14 days of the initial trip deposit. Generali also provides 24/7 multilingual assistance through its global support 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 costs $62 to $229 for a week-long trip. Your price depends on how much you spent on the trip and which coverage level you choose. World Nomads charges the same flat rate no matter your trip cost. Travelex and Generali base premiums on a percentage of what you paid for your trip. 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: These costs reflect California residents traveling October 1 to 7, 2025, who bought coverage on August 4, 2025. Your rates will differ based on your age, where you live and when you travel.
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 usually 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:
- Total prepaid costs exceed $1,000
- Summer travel is planned, when flight delays and cancellations are more common
- Pre-existing medical conditions could require treatment while abroad
- Activities include sailing, island hopping or other water sports
- Non-refundable villa stays or private tours are part of the itinerary
- Shoulder-season travel relies on ferries with changeable schedules
Skip travel insurance when your trip is fully refundable or when credit card benefits already provide travel coverage. Many premium cards include trip cancellation and medical benefits, though coverage limits are often lower than those offered by standalone policies.
How to Choose Travel Insurance for Croatia
Pick coverage that matches your Croatian itinerary, planned activities and trip cost. Add up everything you've paid for: flights, hotels, island ferry tickets and any tours or excursions you booked in advance.
- 1Match Coverage to Croatian Activities
Croatia’s Adriatic coast and island travel call for activity-specific coverage. World Nomads and IMG include kayaking in Dubrovnik, sailing between Split and Hvar, and snorkeling in Mljet National Park without advance approval. Travelers planning scuba diving in the Kornati archipelago should confirm coverage for dives beyond standard recreational depths. Zip-lining in Omiš and white-water rafting on the Cetina River fall under adventure sports that many base plans exclude.
- 2Evaluate Medical Coverage for Coastal Travel
Most plans include $50,000 to $100,000 in emergency medical coverage. Increase limits to $150,000 or more when visiting remote islands like Vis or Lastovo, where medical facilities are limited and emergency evacuation to Split or Zagreb can cost $10,000 to $25,000. Primary medical coverage pays providers directly instead of coordinating with U.S. insurance, which matters when Croatian hospitals request payment upfront.
- 3Consider Trip Cancellation for Peak Season
Travel from June through September carries higher cancellation risk due to full flights and ferry disruptions. Cancel for any reason coverage reimburses 50% to 75% of prepaid costs when plans change outside standard policy reasons. CFAR must be purchased within 10 to 21 days of the initial deposit and requires cancellation at least 48 hours before departure.
- 4Account for Ferry and Inter-Island Transportation
Jadrolinija and Krilo ferries between islands often stop service when sea conditions turn rough, especially during bora winds. Trip delay coverage of $150 to $250 per day helps pay for lodging when weather disrupts island transfers. Missed connection benefits apply when ferry cancellations in Split cause travelers to miss cruise departures from Dubrovnik.
- 5Review Pre-Existing Condition Waivers
Coverage must be purchased within 10 to 21 days of the initial trip deposit to qualify for a pre-existing condition waiver. This allows coverage for complications related to chronic medical conditions during the trip. Plans also require full trip cost coverage and confirmation that travelers are medically able to travel at purchase.
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 deal with 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%): Premium comparisons covered three one-week Croatian trips priced at $2,500, $5,000, and $10,000, with lower-priced policies earning higher scores.
- Coverage (30%): The review examined seven coverage factors, including trip cancellation limits, emergency medical benefits, evacuation coverage and baggage protection.
- Claims and Service (25%): The evaluation focused on customer support access, mobile app features, claims submission tools and overall digital experience ratings.
- Financial Stability (5%): AM Best ratings guided scoring, with A+ rated insurers receiving full points.
This methodology creates a balanced scoring model that weighs cost, coverage depth, service quality and insurer stability.
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.