Travel Insurance for a trip to Croatia
What you should consider when buying travel insurance for a trip to Croatia.
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Croatia offers travelers the perfect conditions to enjoy the rich beauty of its forests and coastlines or to soak in the excitement of its vibrant cities such as Zagreb and Split. Smaller cities such as Rijeka and Zadar are perfect for travelers seeking a more laid-back and off the beaten track Croatian adventure.
However, before you step foot on this romantic land of pebbled beaches, historic villages, and awe-inspiring waterfalls, you may want to consider buying travel insurance, as even the most careful travelers can run into danger or unforeseen events when they’re not expecting it.
- What’s covered
- Why should I consider travel insurance when visiting Croatia?
- What to look out for when traveling around Croatia
- What’s not covered?
What’s covered
The following is just a brief list of what World Nomads may cover under our Standard and Explorer plans. Depending on your Country of Residence and the plan you choose, World Nomads plans may offer cover (up to the benefit limits) for:
- Overseas emergency medical – if you get sick or injured you may be covered for hospitalization (in-patient or out-patient) and for treatment at a medical center. You must contact our 24/7 Emergency Assistance Team as soon as possible as they can inform you of the nearest medical facilities. They will oversee your course of treatment by checking in with your treating doctor.
- Extended stays – if you’re having too much fun in Croatia and want to stay a few extra days or weeks, then you may extend your travel insurance policy for a maximum of one year past the start date listed on your Certificate of Insurance. This must be done prior to the current expiration date of your policy.
- Medical evacuation and repatriation – if you’re injured and need to be repatriated back to your Country of Residence, then this must be approved by our 24/7 Emergency Assistance Team and your treating doctor first. The costs involved in your repatriation may be covered depending on which plan you have selected.
- Lost or stolen luggage and personal belongings – lost, stolen, or damaged baggage and valuables on holidays can be a very stressful experience. If this happens to you, then you’ll need to submit your receipts, police reports and witness details (if your belongings were stolen). Claims without any substantiating documents may not be approved.
- Cover for some Coronavirus-related events – for all the terms, conditions, limitations and exclusions relating to this type of cover, please read our Coronavirus cover article.
To view the entire list of what we cover, along with the terms, benefit limits and exclusions, please check your policy wording.
Why should I consider travel insurance when visiting Croatia?
World Nomads offers two plans, the Standard and Explorer plan, which both cover many of the same risks including lost baggage, emergency medical treatment and repatriation back to your Country of Residence. However, our Explorer Plan gives a broader range of cover, with more benefits and higher limits. Ultimately you should consider selecting the plan that gives you the most adequate level of cover for the activities that you wish to pursue on your Croatian holiday.
Here are just a few of the reasons why travel insurance could come in handy when planning a trip to Croatia:
Natural Catastrophes – like many countries around the world, Croatia has a history of being struck by earthquakes that can render hotels and hostels uninhabitable.
Crime – as is the case in most countries of the world, opportunistic thieves scrutinize crowds of tourists, planning when they can snatch an unattached handbag or shopping bag from a traveler whose attention is otherwise engaged.
Adventure activities - whatever activities you might be into, Croatia offers travelers plenty of verdant forests, jagged mountain ranges and pristine beaches to tantalize even the most hardcore adventure seekers.
You should check your policy wording to ensure you pick the best plan for your favorite sports and activities. For example, before you begin your hiking expedition through Risnjak National Park, you would need to know the altitude limit for hiking listed within your chosen policy.
Our plans have different levels of cover for hiking at altitudes of 3,000 meters (Level 1), 4,500 meters (Level 2) and 6,000 meters (Level 3). Certain exclusions apply to every policy. One such exclusion is search and rescue missions.
If you feel unsure about whether your volunteer activity is covered, you can get in touch with our Customer Service team and they will be able to assist you.
Here are just a few of the 150+ adventure activities that we cover:
- Sandboarding
- Backpacking
- Snorkeling
- Hiking & trekking
- Surfing
- Scuba diving
- Mountain climbing
Travel insurance tip – If your booked accommodation is damaged by any type of natural catastrophe such as a hurricane, flood, or earthquake, then your policy may cover you for the costs of relocating to and staying in a different hotel or hostel. This cover is only available on the Explorer Plan.
Travel insurance tip – if any of your belongings are stolen, go to your nearest police station and report the incident. Request a police report, as you’ll need this if you wish to claim. When making a claim, include all supporting documentation such as witness statement details, receipts of purchase, police reports and surveillance footage (if the incident was caught on film).
What to look out for when traveling around Croatia
If you have a passion for adventure activities such as hiking, mountain climbing and diving, then you won’t have difficulty passing the time when you visit Croatia. However, travelers need to be aware of the hidden dangers that lie beneath the rugged natural beauty.
When trekking the mountains and forest regions, always keep to the established hiking trails and try to avoid wandering off into the undergrowth. Landmines remaining from the Croatian War of Independence several decades ago may still pose a threat to anyone passing through the wilderness.
Croatia’s coastlines provide ample opportunities for cliff jumping enthusiasts. We do offer cover for cave/cavern diving, scuba diving and free diving (up to 50 meters), but please be aware that special conditions and exclusions apply to these activities. Always check your policy wording to ensure that any of your selected activities and sports are adequately covered. Please note that we won’t cover you for cliff diving under any of our policies.
What’s not covered?
Below is a limited list of what our travel plans do not cover. To view the entire list of benefits, limits, and exclusions, please refer to your policy wording.
- Pre-existing conditions as explained in your policy.
- Any course of treatment that you had already been having back home prior to your holiday.
- Unattended luggage and personal belongings that are stolen, lost, or destroyed.
- Incurred expenses which organizations such as hotels or airlines are liable for.
- If you are breaking the law.
- If you do not cooperate with the efforts of local authorities and our 24/7 Emergency Assistance Team to repatriate you back to your Country of Residence.
This is not a full list of what’s covered and what’s not; please check your Policy Wording for a full list of terms, conditions, limitations, and exclusions that may apply to your specific plan. If you are unsure of your level of travel cover, please contact us for help.
Travel Insurance Benefits: how we can take care of you
Trip Protection
Protect your hard earned vacation from unexpected cancellation before you leave home.
- Explorer Plan: USD $10,000
- Standard Plan: USD $5,000
Trip Protection
- Unexpectedly hospitalised?
- Travel buddy unfit to travel?
- Been made redundant?
We’ve got your back.
Emergency Overseas Medical Insurance
Take the pain out of medical costs while traveling overseas.
- Explorer Plan: Unlimited, up to 12 months
- Standard Plan: USD $5,000,000
Emergency Medical Insurance
- Need meds quick?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transportation
We'll get you to hospital quickly.
- Explorer Plan: USD $500,000
- Standard Plan: USD $500,000
Evacuation and Repatriation
- Banged up abroad?
- Need a hospital urgently?
- Medivac home?
Help starts here.
Protect your gear
Cover your stolen or damaged gear and tech.
- Explorer Plan: USD $3,500
- Standard Plan: USD $2,500
Protect your gear
- Luggage lost?
- Airline lost your gear?
- Tech trashed?
Help starts here.
- Overseas Medical & Dental Expenses
- 24 hour Emergency Assistance
- Emergency Medical Transport
- Repatriation & Travel Expenses
- Pre-Trip Cancellation
- Trip Interruption
- Resumption of Trip
- Travel Delay
- Missed connection (Explorer)
- Hijacking (Explorer)
- Baggage & Personal Items
- Passport & Travel Documents
- Personal Liability
- Rental vehicle insurance excess (Explorer)
- Personal accident (Explorer)
24/7 emergency assistance
Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Are you in need of emergency assistance right now?
Phone:+353 21 237 8008 or +353 21 237 8003 (calls are not toll free. You can claim your itemised call costs)
Before your trip, check the latest government advice for any travel alerts for your destination.