You’ll need European travel insurance if you’re going to Croatia. You’ll then have to decide whether you want a one-time or annual multi-trip policy.
Backpackers insurance is usually required if you want to visit for an extended period of time. This will ensure that you have the appropriate amount of coverage for your entire trip.
Consider whether you’ll need additional coverage if you’re participating in adventure activities like scuba diving.
Is Croatia classed as Europe for travel insurance?
With our identity-based travel insurance system, DOGTAG 100 percent Proof Travel Insurance is rather unusual amongst travel insurers in that we can provide travel insurance cover for just about every activity you can think of and just about every corner of the globe too. However, there are some places on the planet where it is simply not safe or prudent to travel – and we’re not just talking about pursuing your sport on the summits of mountains, down white-water waterfalls, or traveling through the cold wastelands of Antarctica. No, the regions that we are unable to cover are those where the primary threat is posed by other people. You can definitely think of a handful right now, but they’ll include places like war zones and places where kidnapping, terrorism, or both are widespread. Places that are filthy.
So, where is the list of places where we won’t be able to provide coverage? We take our cues from the most recent FCO Travel Advice tables (at the time of purchase). Every country you can think of is listed there, and we follow the FCO’s travel advise. If the Foreign and Commonwealth Office (FCO) says they…
How does it work?
Let’s look at a handful of scenarios. Turkey comes first. Turkey is often regarded as a desirable tourist destination. However, with the TKK active in eastern Turkey, it’s pretty much bandit country, and the closer you approach to the Syrian or Iraqi border, the more perilous it is. As you may see in this illustration from the Foreign and Commonwealth Office, they warn against visiting there.
Let’s take a look at another, less well-known destination, but one that mountaineers frequently inquire about: Russia. As you can see from our own country list below, we list Russia as follows: “Russia (European)” because terrorist activity is rampant in the districts bordering Georgia and Azerbaijan, with mafia kidnappings and Islamic activities commonplace. As we go to print, the border with Ukraine is also not particularly secure.
OK, so what are the rules?
Check the FCO Travel Advice page if you’re unsure about your destination or if we can cover your travel there. If your final destination is in one of the following zones:
We don’t cover it then. Even if your destination is in the green zone but close to a red or orange zone, it’s still a good idea to check the FCO Travel Advice webpage for the latest information.
So which countries can I get Travel Insurance for – assuming there’s nothing dodgy about it?
In the case of a single trip (when you don’t necessarily need coverage for the entire planet), we break it down as follows:
Single Trip Travel Insurance & Backpacker Travel Insurance
Albania, Algeria, Andorra, Armenia, Austria, Azerbaijan, Azores, Belarus, Belgium, Bosnia-Herzegovina, Bulgaria, Corfu, Corsica, Crete, Croatia, Cyprus, Czech Republic, Denmark, Egypt, Eire(Republic of Ireland), Estonia, Faroe Islands, Finland, France, Georgia, Germany, Gibraltar, Greece, Guernsey, Holland(Netherlands), Hungary, Iceland, Isle of Man, Italy, Jersey, KOS
Outside of Europe, certain of our products offer cover alternatives where there is a cost savings to be made:
Australia and New Zealand includes (available with Single Trip and Backpacker/Gap): Australia and New Zealand, including (available with Single Trip and Backpacker/Gap): Australia and New Zealand, including (available with Single Trip and Backpacker/
Worldwide (except the United States and Canada) refers to all countries in the world, excluding the United States and Canada, but includes brief layovers in the United States and Canada for flight transfers. (Only for Backpacker/Gap customers)
All countries in the world, including the United States and Canada, are included in the term “global.” (comes standard with all Dogtag products)
Annual Multi-trip Travel Insurance
Europe includes the following countries: Albania, Andorra, Armenia, Austria, Azerbaijan, Belarus, Belgium, Bosnia-Herzegovina, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark (including Faroe Islands), Egypt, Estonia, Finland, France (including Corsica), Georgia, Germany, Gibraltar, Greece (including Greek Isles), Hungary, Iceland, Ireland, Italy (including Aeolian Islands, Sardinia, Sicily), Latvia, Liechtenstein, Lithuania, Luxembourg, Macedon
In our Sports Information Library, you may find more relevant information on the sports we cover.
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Is Croatia covered by EHIC?
All insured persons from EU nations, Iceland, Liechtenstein, Norway, and Switzerland, as well as Croatians with health insurance, have access to healthcare under the EHIC.
Certain services will be invoiced to you, which Croatians with health insurance are required to pay for (co-payment). Insured individuals who receive in-kind healthcare benefits in Croatia are required to cover 20% of their costs. The minimal co-payment amount, however, cannot be less than:
Can I travel without travel insurance?
Tired of having to pay an insurance premium before you travel? You are not obligated to do so. Without travel insurance, you can travel anywhere in the world. That isn’t to say you shouldn’t. If something goes wrong and you don’t have travel insurance, you might be out of money for anything from a few pounds if you lose your passport to hundreds of thousands of pounds if you need medical treatment on foreign soil. Oh, and your bank account’s travel policy is probably not as watertight as you thought.
It is not illegal to travel without insurance. You won’t get kicked out of your tavern because of it. However, it may be pricey. It all relies on whether you’re willing to risk your savings and how much you can afford to lose. Here’s everything you need to know about it.
What happens if I travel without travel insurance?
If you don’t have travel insurance, you’ll have to pay for any problems that arise while you’re traveling out of pocket. You could also lose money if you have to cancel a vacation and are unable to recoup your expenses. This could end up costing you tens of thousands of pounds.
Which countries are covered by European travel insurance?
- Medical coverage – make sure to read your policy carefully because the degree of coverage in ordinary policies varies depending on your circumstances and desired activities. If you’re pregnant, have a pre-existing medical condition, or want particular sports coverage, it’s worth contacting your insurance provider about additional coverage or looking into specialist travel insurance to make sure you’re appropriately protected.
- Check your policy to discover if it covers loss, theft, or damage to your belongings. Make sure the amount is sufficient to cover the cost of assets like your phone or laptop.
- Flight cancellations, canceled flights, and delays are all common travel difficulties. Only genuine causes specified by the insurance provider are covered, so read the terms carefully.
- Personal liability insurance protects you in the event that you injure someone else and they sue you for compensation.
Is Morocco covered in Europe travel insurance?
Morocco is not part of Europe because it is located on the northwestern tip of Africa. Many travel insurance companies, on the other hand, will include it in their European coverage policy.
This can save you money because European travel insurance is usually less expensive than worldwide travel insurance, but make sure that Morocco is covered before purchasing a policy.
If Morocco is your starting point for exploring other African nations, you’ll require international travel insurance.
Even if your travel insurance considers Morocco to be part of Europe, the European Health Insurance Card (EHIC) does not, thus you won’t be able to use it there.
Any other insurance you’ll need is determined by the activities you’ll be doing while in Morocco, where you’ll be going, and what you’ll be bringing with you.
Can I travel to Croatia during Covid?
The entry requirements may change at any time and without warning. In terms of entry into Croatia, the Croatian Border Police have last say.
To safeguard the population from the COVID-19 sickness, the Croatian government has barred all border crossings. For more information on border restrictions and entrance criteria for all types of travelers, go to the Croatian Government’s Ministry of Interior website. Please contact the Croatian Ministry of Interior with any inquiries about border requirements using the contact form at the bottom of the page.
Travelers arriving from the U.S.
Travelers from the United States must provide one of the following documents to gain entrance (for further information, please consult the Croatian Government’s Ministry of Interior website):
- A negative virus test result requires a 72-hour PCR or a 48-hour rapid antigen test (see list of authorized antigen assays) (counting from the time of taking the test to arriving at the border crossing point).
- A vaccination certificate that is less than 365 days old and shows that the final dose of the COVID-19 vaccine was given at least 14 days before entering Croatia.
- A certificate of vaccination is issued to people who have recovered from COVID-19 and have received one dose of the vaccine within eight months of getting the virus, as long as the vaccine was given during the previous 365 days.
- Perform PCR or fast antigen testing as soon as possible after arriving in Croatia (at the traveler’s expense), with the necessity to remain in self-isolation until the test results are negative. In the event that testing is not possible, travelers must self-isolate for ten days.
- By filling out the Enter Croatia web form and uploading their information and documents ahead of time, travelers can expedite processing at the Croatian border.
- When entering Croatia, tourists must additionally present proof of booked or paid lodging, or ownership of a property or a watercraft.
Travelers who fall into the following categories are excluded from having to submit a virus test, proof of immunization, or proof of recovery from the COVID-19 illness:
- Workers on the border (as well as athletes, as specified in the exceptions for EU/EEA travelers).
- Diplomats, staff of international organizations, and anyone invited by international organizations whose physical presence is required for the organizations’ proper operation, military and police personnel, as well as humanitarian and civil protection personnel in the performance of their duties.
- Passengers on the bus (individuals in transit have 12 hours to exit the country, and they must show that they can enter or transit through the neighboring country). Violations of this clause might result in fines ranging from 5,000 to 10,000 HRK.
- Individuals who are visiting Croatia for a short period of time for personal or business purposes. Violations of this clause might result in fines ranging from 5,000 to 10,000 HRK.
- Children under the age of 12 must be accompanied by a parent or guardian who has passed a viral test, has proof of vaccination, or has recovered from COVID-19.
All passengers (regardless of citizenship) who complete the entry requirements are urged to fill out an arrival form in advance at Enter Croatia to expedite their border crossing.
- Travelers must present a PCR or rapid antigen test (list of acceptable antigen tests) not older than 72 hours (counting from the time of taking the test to arriving at the border crossing point) OR a certificate of vaccination (any vaccine) whose final dose was more than 14 days prior to entry OR a medical certificate confirming that the traveler has recovered from COVID-19 for at least 1 year (see the Croatian Government’s Ministry of Interior Webpage). Please visit the Croatian Government’s Ministry of Interior Webpage for further information on these criteria.
- Travelers may have a PCR or antigen test performed immediately upon arrival in Croatia and remain in self-isolation until a negative test result is received; for further information, contact the Croatian Government’s Ministry of Interior Webpage.
- Travelers in this category will need to contact a local epidemiologist after receiving a negative test to be released from self-isolation.
- Please contact the Croatian Ministry of Interior with any queries about this requirement using the contact form at the bottom of the page.
- Individuals arriving in Croatia for urgent personal or commercial reasons and staying for less than 12 hours do not require a PCR test. Passengers in travel for less than 12 hours face the same situation.
- A local test (quick antigen test or PCR test) can cost anywhere from $40 to $150 or more, depending on the location, and results can take anywhere from 1 to 48 hours, depending on the type of test.
- The following venues are available for a test: Croatian COVID-19 Testing Centers.
- Are there any health-screening processes in place at airports and other entrance points? Yes
Information regarding visa extensions for residents and/or tourists:
To avoid overstay charges, US citizens who wish to stay in Croatia beyond the 90-day visa-free period should visit their local police station and apply for a temporary residency permit. For contact information per county, go to the Ministry of the Interior’s website.
Exiting the country
Travelers wishing to leave Croatia must follow the epidemiological precautions imposed by their destination country or their mode of transportation.
What if I get sick in Croatia?
Please note that the Department of State bears no responsibility or liability for the professional ability or reputation of the entities or individuals whose names appear on the accompanying lists, nor for the quality of services offered by them. The Department’s or the US government’s inclusion on this list is in no way an endorsement. The order in which the names appear has no bearing on the order in which they occur. The Department is unable to vouch for the accuracy of the information on the list because it is provided directly by local service providers.
If you have a medical emergency in Croatia, dial 112 right away.
If you become ill or injured, the Consular department can help you locate emergency medical assistance and, if necessary, notify your family and friends.
The United States Embassy and its Consular Section are prohibited by law from acting as a guarantee for medical expenditures. However, if you want finances for medical treatment, we can assist you in contacting family and friends to arrange for money transfers, which we will manage. The Consular Section can provide for minor, short-term loans in the event of a life-threatening medical emergency if medical assistance would be withheld until payment was made in advance. However, until the loans are returned, recipients of these loans are subject to travel limitations under US law.
Do UK citizens need visa for Croatia?
For stays of up to 90 days, nationals of the United Kingdom do not need a visa to visit Croatia. That’s great! What else should I consider while arranging a trip to Croatia? All visitors must have a passport that is valid for at least 90 days after their departure date from Croatia.
Can I travel to Europe without insurance?
Travel insurance for Europe is a necessary aspect of your vacation if you are a UK citizen, although it is not required by law. In other words, while it is strongly recommended that you obtain health insurance before traveling overseas, you will be permitted to visit Europe without it – at your own risk.
If you do not have health insurance and require medical treatment while on vacation, you will be responsible for all costs. When it comes to medical bills for uninsured people, most European countries are not regarded for being cheap.