Travel Insurance for a trip to Croatia
What you should consider when buying travel insurance for a trip to Croatia.
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If your idea of a European adventure is wandering through lush pine forests and ancient ruins during the day and partying in Zagreb nightclubs until dawn, then you’re sure to fall in love with Croatia. However, before you set off for the hiking trails of Paklenica National Park or the galleries and museums of Sibenik, you might want to consider purchasing travel insurance first.
- What’s covered?
- Why should I consider travel insurance when visiting Croatia?
- What to look out for when travelling around Croatia
- What’s not covered?
What’s covered?
World Nomads offer two travel insurance plans, the Standard and Explorer Plan. These plans both offer cover for accidents, medical emergencies, theft, and lost or stolen luggage. However, the Explorer plan offers a wider scope of cover, with higher limits and sub-limits.
The following is only a summary of the cover on offer. When selecting your plan, always read through the Policy Wording first, to become familiar with the full list of benefits, exclusions, and general conditions.
- Overseas emergency medical – if you get sick or injured and require urgent hospitalisation (either as an in-patient or an out-patient), you must let our 24/7 Emergency Assistance Team know straight away. They will inform you of treatment options in your area and they will consult with your treating doctor regarding your ongoing care requirements.
- Overseas emergency dental– this cover only relates to dental emergencies that occur during your trip. Cosmetic procedures or check-ups will not be covered.
- Extended stays – having too much fin in Croatia and don’t want to return to Ireland just yet? You may extend your travel insurance policy for a maximum of twelve months past the commencement date indicated on your Certificate of Insurance.
- Medical evacuation and repatriation – if your badly injured and need to be repatriated back home, and your treating doctor and our 24/7 Emergency Assistance Team both agree that your repatriation back to Ireland is medically necessary, then your policy may cover the costs involved in this.
- Lost or stolen luggage and personal belongings – if you lose your suitcase or any personal items during your holiday, then you may claim for these. Please make sure you submit any supporting evidence such as receipts and police reports. Claims without supporting documents may be harder to be approved.
- Cover for some Coronavirus-related events – check out our Coronavirus cover articleto find out about the limits, sub-limits, terms, and exclusions relating to this type of cover.
Why should I consider travel insurance when visiting Croatia?
Irish travellers might want to buy travel insurance before leaving for Croatia due to the following reasons:
Natural catastrophes – Croatia is prone to occasional earthquakes which cause severe damage to buildings, including hostels and hotels.
Travel insurance tip: if your hotel or hostel is damaged by an earthquake, or other type of natural disaster, you may be covered for accommodation with a different provider and any transport expense you incur (Explorer Plan).
Crime – although not regarded as a country with a high crime rate, travellers do need to be mindful when carrying bags or wearing expensive jewellery.
Adventure activities - World Nomads offers cover for over 150 adventure activities. Please read your Policy Wording beforehand to know exactly what activities are covered, as well as the actual terms, conditions, benefit limits and exclusions. While many of these activities are covered by both the Standard and Explorer Plans, the limits and sub-limits will be different for each policy.
If you’re planning to trek across the Velebit Mountains, you might not be covered if you've bought the wrong plan for your hike. You would need to know the altitude limit for hiking listed within your policy. Our plans have different levels of cover for hiking at altitudes of 3,000 metres (Level 1), 4,500 metres (Level 2) and 6,000 metres (Level 3). Certain exclusions apply to every policy. An example of an exclusion would be search-and-rescue missions.
These are just some of the 150 adventure activities that are covered:
- Sandboarding
- Backpacking
- Snorkelling
- Hiking & trekking
- Surfing
- Scuba diving
- Mountain climbing
What to look out for when travelling around Croatia
No matter what type of holiday you’re seeking, Croatia has something to satisfy even the most intense cases of wanderlust. Although generally safe and tourist friendly, travellers to Croatia do need to be cautious when exploring its mountain ranges and coastal regions.
When hiking across any one of Croatia’s vast networks of mountain ranges, it’s always best to stick to the main walking tracks. There are believed to be unexploded landmines scattered throughout some forest regions, planted during the Croatian War of Independence that ran from 1991 to 1995.
Hikers should also try to avoid walking on the outermost edges of trails when crossing over mountains as the earth can often be soft and unstable in places. Hikers can easily lose their footing and take a fall if walking too close to the edge of a path.
Make sure that you’ve selected the right travel insurance plan for your specific needs. Buy a quote, make a claim, or extend your policy online anytime, from anywhere in the world.
What’s not covered?
Some things we don’t cover include:
- Pre-existing conditions as explained in your Policy Wording.
- Travelling to, planning to travel to, or choosing to remain in a country or region that is subject to a ‘Do Not Travel’ or ‘Avoid Non-essential Travel’ warning.
- Participation in a sport or activity not listed as covered in the Policy Wording or agreed by World Nomads or where you haven’t paid the required additional premium.
- Additional costs incurred because of not immediately telling the travel agent, tour operator or provider of transport or accommodation that you need to cancel the trip.
- Loss or damage to luggage due to age, wear and tear, loss of value.
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 tip: if any of your personal belongings are stolen, please make sure you notify the local police immediately. Get a police report as you’ll need to submit this when making a claim. When submitting your claim for theft, it’s best to include as much supporting documentation as possible. This can include witness statements, photographs, or surveillance footage of the incident, as well as the receipts for the stolen items. Please note that without supporting documentation, your claim may be harder to get approved.
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Unexpectedly hospitalised?
- Travel buddy unfit to travel?
- Been made redundant?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Need meds quick?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Banged up abroad?
- Need a hospital urgently?
- Medivac home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Luggage lost?
- Airline lost your gear?
- Tech trashed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
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?
Contact the teamTravel Insurance for Croatia
What you should consider when buying travel insurance for a trip to Croatia.
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Thinking of spending this summer in Croatia? If you’re sweating your way through Paklenica National Park or immersing yourself in the throng of Varazdin’s annual Spancirfest festival, you should consider buying travel insurance when planning your Croatian escape.
- What’s covered
- Why should I consider travel insurance when visiting Croatia?
- What to look out for when travelling around Croatia
- What’s not covered?
What’s covered
World Nomads offers two travel insurance plans, the Standard and Explorer plan. Both plans can help British travellers in the event of any injury, sickness or theft, with natural catastrophes also covered under the Explorer plan.
The Explorer Plan offers a wider range of cover than the Standard Plan, as well as some higher limits and sub-limits. Before selecting any plan, read through the Policy Wording carefully to make sure that your favourite activities are covered.
Here is a brief sample of what we cover. Please check your Policy Wording for our complete list:
- Overseas emergency medical – if you ‘re injured or become sick while in Croatia, then your policy may provide cover for your hospitalisation and medical expenses. You must notify our 24/7 Emergency Medical Assistance Team as soon as possible, in the event you know you will be admitted as an inpatient for at least one night. They will let you know if attending a hospital is medically necessary, help you locate the nearest medical facilities (this can be beneficial in out of the way places), and liaise with your treating doctor to make sure that your treatment plan is appropriate.
- Overseas emergency medical transport – if you’re injured, your policy may cover the expenses involved in an emergency service such as a helicopter or ambulance to take you to the closest hospital or medical centre. This will need to be approved by our 24/7 Emergency Medical Assistance Team first.
- Evacuation and repatriation – if you’re injured and need to be repatriated back home and a treating doctor and our 24/7 Emergency Medical Assistance Team both agree that your repatriation back to the UK is medically necessary, then the cost of this may be covered.
- Lost, stolen, or damaged items – if the carrierloses or damages your baggage or any personal items during your holiday, or if you’re valuables are stolen, then the items may be covered. You’ll need to provide supporting documents including receipts, witness details and police reports. It’s important to know the exact policy limits for individual items beforehand, as this can help to avoid any surprises if you make a claim.
Why should I consider travel insurance when visiting Croatia?
Here are a few reasons why travel insurance may be worth it when travelling around Croatia.
Natural Catastrophes – Croatia has experienced its fair share of earthquakes. Depending on the magnitude, earthquakes can destroy buildings and occasionally cause fatalities.
Crime – Croatia is widely considered to be a safe country for travellers, without a high incidence of crime. However, tourists flaunting flashy jewellery or designer handbags may make themselves the targets of muggers.
Adventure activities: Our Standard Plan and Explorer plans cover more than 150 adventure activities. Many of these activities will be covered by both policies, however the benefit limits will be different for each policy. That’s why you need to read your Policy Wording carefully to make sure your chosen activities will be covered.
For example, if you’re planning a hiking trip over the Biokovo mountain range, you might not be covered if you've bought the wrong plan for your hike. You would need to know the altitude limit for hiking listed within your policy. Our plans have different levels of cover for hiking at altitudes of 3,000 metres (Level 1), 4,500 metres (Level 2) and 6,000 metres (Level 3). Certain exclusions apply to every policy. An example of an exclusion would be search-and-rescue missions.
Here are just a few of the 150+ adventure activities that we cover:
- Sandboarding
- Hiking & trekking
- Snorkelling
- Surfing
- Scuba diving
- Mountain climbing
What to look out for when travelling around Croatia
When hiking in any of Croatia’s mountains or along its seaside cliffs, always be careful where you step. Hikers can easily lose their footing when treading over tree roots and loose rocks. Whatever you do, don’t walk too close to the edge of a cliff or walking trail, even if it seems safe to do so, as the earth can suddenly crumble underneath you.
It’s always best to hike in groups, preferably with a guide rather than wandering solo through the wilderness, and always stick to the designated hiking trails.
Undetonated landmines from the Croatian War of Independence in the 1990s are littered throughout some mountains and woodland areas, so it’s best to stick to the commonly used hiking trails.
Make sure that you’ve selected the right travel insurance plan for your specific needs. Buy a quote, make a claim, or extend your policy online, anytime, from anywhere.
What’s not covered?
Some things we don’t cover include:
- Pre-existing conditions as explained in your Policy Wording;
- Travelling to, planning to travel to, or choosing to remain in a country or region that is subject to a ‘Avoid all Travell’ warning from the FCDO;
- Participation in a sport or activity not listed as covered in the Policy Wording or agreed by World Nomads or where you haven’t paid the required additional premium;
- Additional costs incurred because of not immediately telling the travel agent, tour operator or provider of transport or accommodation that you need to cancel the trip;
- Loss or damage to luggage due to age, wear and tear, loss of value, unless listed as a high value item.
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 tip: if your hostel, Airbnb accommodation, or hotel is damaged during an earthquake, flood, fire, or other type of disaster, then your policy may cover the costs of transferring to and staying with a different accommodation provider (Explorer Plan).
Travel insurance tip: if any of your belongings are stolen, you must report the incident to the local police in the first instance. Get a police report as you’ll need to submit this when making a claim. Other supporting evidence you’ll need to provide include copies of receipts, witnesses’ statements, along with any photographs or CCTV footage. Claims without these documents may be harder to approve
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Unexpectedly hospitalised?
- Travel buddy unfit to travel?
- Been made redundant?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Need meds quick?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Banged up abroad?
- Need a hospital urgently?
- Medivac home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Luggage lost?
- Airline lost your gear?
- Tech trashed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
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?
Contact the teamSeguro Viagem para Backpackers / Mochileiros
Aproveite seu mochilão e proteja a liberdade de carregar tudo o que precisa nas costas.
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- Por que adquirir um Seguro Viagem para mochileiros?
- O que está coberto no Seguro Viagem para backpackers?
- Dicas de Seguro Viagem para mochilão
Só você e a estrada aberta, o básico nas costas, o mundo ao seu alcance. Mochilar é um rito de passagem para muitos nômades que buscam o máximo de experiência por um gasto mínimo.
Você pode estar se preparando para encontrar sua galera ou a si mesmo, para se conectar com um destino ou se divertir em algum festival.
Mas mesmo que você possa abrir mão de seus confortos, um Seguro Viagem para garantir tranquilidade adicional pode ser uma boa ideia.
A World Nomads cobre backpackers/ mochileiros por todo o mundo com um Seguro Viagem projetado para mochilões pela Europa, EUA, Canadá, Austrália, China, Caribe e muito mais.
Por que adquirir um Seguro Viagem para mochileiros?
Se suas viagens levarem você ao tipo errado de aventura – como uma doença ou lesão repentina, um desastre, pertences extraviados ou uma emergência que significa que você precisa voltar para casa imediatamente, o Seguro Viagem pode ajudá-lo cobrindo ou reembolsando algumas de suas despesas. Além disso, nossa equipe de Assistência Emergencial 24 horas está sempre disponível para, fornecer orientações e pré-aprovar custos.
O que está coberto no Seguro Viagem para backpackers?
A World Nomads cobre aventuras de mochila de todos os tipos, com proteção para:
- Cancelamento de viagem para recuperar alguns dos custos de viagem não reembolsáveis.
- Despesas médicas de emergência por acidentes, lesões ou doenças.
- Evacuação de emergência para transferências hospitalares ou um voo de volta para casa.
- Atrasos de bagagem na rota para o seu destino.
- Interrupções emergenciais que podem encurtar sua viagem.
Dicas de Seguro Viagem para mochilão
Aqui estão algumas dicas para ajudar você a se manter seguro mochilando mundo afora:
- Você está em uma viagem sem data para acabar? O melhor é adquirir um Seguro Viagem, ainda que seja no exterior (períodos de carência serão aplicados a algumas coberturas), mesmo que você não tenha uma passagem de volta. As apólices da World Nomads oferecem cobertura por até seis meses, para cada compra realizada.
- Para você, mochilar = caminhada ou escalada? Certifique-se de selecionar o plano certo para seu estilo de viagem. Lembre-se de que você não pode fazer um upgrade da sua cobertura após a compra, por isso é importante acertar logo de cara.
- Embora a diversão seja obrigatória, o comportamento arriscado não está coberto. Sim, você pode desfrutar de algumas bebidas e pegar uma estrada isolada, mas os incidentes que ocorrem sob a influência do álcool podem não ser cobertos pelo seu plano.
- Indo para onde o vento sopra? Se você quiser atravessar uma nova fronteira, verifique, primeiro, com nossa equipe de atendimento ao cliente, pois seu seguro pode não se aplicar a determinados países.
Ao adquirir um plano de Seguro Viagem da World Nomads, saiba que a sua cobertura foi criada por viajantes apaixonados que carregaram mochilas pelo mundo e também esperaram na fila do banheiro. Para ideias e dicas de viagem, confira nosso artigo sobre o que fazer e o que não fazer mochilando e muito mais (artigo em inglês). Faça uma cotação.
Este é apenas um resumo da cobertura e não inclui todos os termos e condições da apólice. É importante que você leia e entenda todos os detalhes de sua apólice, pois ela contém informações sobre benefícios, condições, exclusões, inclusive de condições pré-existentes, e mais. Se você não entender sua cobertura ou tiver dúvidas, basta nos perguntar.
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Você ou sua família estão doentes, feridos ou mortos?
- Perdeu seu emprego?
- Teve sua casa destruída?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Precisa de medicamentos?
- Sofreu um acidente?
- Ficou doente?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Se acidentou no exterior?
- Precisa urgentemente de um hospital?
- Impossibilitado de prosseguir viagem?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Suas malas sumiram?
- Não encontra sua bagagem?
- Malas danificadas?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
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?
Contact the teamObtenha uma cotação de seguro de viagem
Seguro viagem simples e flexível. Compre em casa ou durante a viagem e faça a solicitação online de qualquer lugar do mundo
Faça uma cotação
Backpacker travel insurance
If something unexpected happens, we’ve got your back – pack or no pack.
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- Why buy backpacker insurance?
- What does backpacker insurance cover?
- Travel insurance tips for backpackers
Just you and the open road, the basics on your back, the world at your feet. Backpacking is a rite of passage for many nomads seeking maximum experience for minimum expense.
You might be setting out to find your crew or yourself, to connect with a destination or frolic at every festival.
But even if you can do without your creature comforts, travel insurance may still be a good idea.
World Nomads covers backpackers residing in Brazil as they travel all over the world with travel insurance designed for backpacking in Europe, US, Canada, Australia, China, the Caribbean, and more.
Why buy backpacker insurance?
If your travels take you on the wrong kind of adventure – like a sudden illness or injury, a freak natural disaster, stolen or misdirected belongings, or an emergency that means you have to head home pronto – travel insurance may be able to help you with expenses. Plus, our 24/7 Emergency Assistance team is here for you in a crisis, providing guidance and pre-approving costs.
What does backpacker insurance cover?
World Nomads supports backpacking adventures of all types, with protection for:
- Trip cancellation for the recovery of non-refundable trip costs.
- Emergency medical expenses for accidents, injuries or sicknesses.
- Emergency evacuation for hospital transfers or a flight back to your home.
- Baggage delays on route to your destination.
- Trip interruption for emergencies that can cut your trip short.
Travel insurance tips for backpackers
Here are some pointers to help keep you covered while backpacking.
- Are you traveling long-term, you lucky thing? You can extend your policy or buy travel insurance while abroad (waiting periods may apply) even if you don’t have a return ticket. World Nomads policies offer coverage for up to six months at a time.
- For you, does backpacking = hiking or mountain climbing? Make sure you select the right policy for your adventure sport or activities. Remember, you can’t upgrade your coverage after you purchase, so it’s important to get this right on the first go.
- While having fun is a must-do, risky behavior isn’t covered. Yes, you can enjoy a few drinks and take the road less traveled but incidents that occur while under the influence may not be covered under your plan.
- Going wherever the breeze blows? If you want to cross the border, check with our customer service team first as your policy may not apply in other countries.
When you buy a World Nomads travel insurance policy, your coverage has been crafted by passionate travelers who have lugged backpacks, battled bedbugs and waited in line for the restroom too. For trip ideas and tips, check out our article on backpacking dos and don’ts and much more.
This is only a summary of coverage and does not include the full terms, conditions, limitations and exclusions of the policy. You should read your policy wording in full so you understand what is and isn’t covered. That way there won’t be any surprises if you need to use it. If you have any questions, please get in touch.
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Unexpectedly hospitalised?
- Travel buddy unfit to travel?
- Close relative suddenly dies?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Need meds quick?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Banged up abroad?
- Need a hospital urgently?
- Medivac home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Passport or tech stolen?
- Airline lost your gear?
- Bags delayed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
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?
Contact the teamGet a travel insurance quote
Simple and flexible travel insurance. Buy at home or while traveling, and claim online from anywhere in the world.
Get a quoteTravel 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 Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Unexpectedly hospitalised?
- Travel buddy unfit to travel?
- Been made redundant?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Need meds quick?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Banged up abroad?
- Need a hospital urgently?
- Medivac home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Luggage lost?
- Airline lost your gear?
- Tech trashed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
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?
Contact the teamTravel Insurance for 150+ Adventure Sports and Activities
Travel insurance designed for adventures while traveling
- As featured in:
As featured in:
World Nomads travelers love experiencing the culture and places they visit, which is why we’ve designed our travel insurance plans to offer cover for more than 150 adventure sports and activities from hiking, zip lining, dog sledding, scuba diving, snow skiing, white water rafting and more.
Coverage varies between plans, so its important to take the time to understand what activities you are likely to do, and the difference between our plans.
- Adventure sports, travel insurance and what’s covered by our plans
- What activities are covered?
- What’s not covered
- Questions to ask when choosing a plan
Adventure sports, travel insurance and what’s covered by our plans
Sometimes things don’t go quite as expected, so if you take a tumble out of that sled, or fall out of the raft and are injured, travel insurance may be able to help. All our plans include cover for
24/7 emergency assistance: our teams are available to take your call and can help you negotiate the medical systems and possible language barriers wherever you are.
Some of the benefits our policies offer that might help if you’re injured while participating in a covered sport or activity include:
- Overseas emergency medical treatment: includes cover as needed for hospital stays, medical costs, tests such as x-rays, drugs and medicine.
- Medical evacuation: if needed – travel insurance can help with evacuation and ambulance services, and in the worst case scenario repatriation back home.
- Trip interruption: if your trip is cut short because of a medical event whilst participating in a listed adventure sport or activity, you could be reimbursed for your pre-paid, non-refundable travel costs.
- Baggage: travel insurance may be able to help if your sport equipment is damaged or lost in transit. Note it won’t be able to help if you snap your board while surfing, as exclusions apply to sports equipment in use.
What activities are covered?
With more than 150 sports and activities covered under our Standard and Explorer plans, you can get the most out of your holiday. You can find the full list of sports and activities covered here – select your Country of Residence to see those that apply to you. If you’re not sure if something you’re planning on doing while on holiday is covered, please contact us.
Questions to ask when choosing a plan
When choosing a policy, you should consider your plans and any activities you might choose to do, and the cover available. Once purchased, you can’t upgrade your policy – you can however buy a new policy even if you’re already overseas.
We have two policies to choose from – Standard and Explorer. While both plans cover a wide range of sports and activities, activity terms and conditions can vary between them. This means you may find the Explorer Plan has more generous activity conditions and limits than the Standard Plan. You should also note that depending on your Country of Residence, you may be required to add the activity at the time of the purchase, in order to have coverage for it.
When deciding which policy is best suited to your adventures you might want to consider:
- What kind of activities will I be doing on holiday?
- What activities are my travel buddies planning?
- What cover do the two different plans offer for these activities?
- What exclusions might apply?
It’s important you choose your policy carefully as you can’t upgrade from a Standard Plan to an Explorer Plan mid-trip.
What’s not covered
There are also things we just won’t cover. These include, but are not limited to:
- Any pre-existing medical condition unless otherwise expressly stated in your policy.
- Participation in a sport or activity not listed as covered in the policy wording or agreed by World Nomads.
- Participating professionally in any activity or sport (eg: medical volunteering).
- incidents that occur if you are intoxicated with drugs or alcohol.
- Reckless behavior or taking needless risk.
- Extreme sports, other than what is listed as covered.
- Participation as a professional in athletics.
- Sporting equipment damaged while in use.
Overseas adventure activity tips to help you have a safer experience
Your activity operator should be certified/accredited
Make sure operators are certified and/or accredited by the appropriate body. For example, diving instructors should be registered with the Professional Association of Diving Instructors (PADI).
The right gear
When participating in a sport or activity, always wear safety gear. For example, wear a helmet when cycling or riding a scooter.
Health and fitness
Think about your fitness and plan your activities accordingly. Whatever you’re planning, make sure it’s something you’re physically capable of.
There may be specific terms, conditions, limitations and exclusions that apply depending on what you'll be doing. Of course, always read the full terms, conditions limitations and exclusions in the plan you choose so there’ll be no surprises if you need to use it. And if you’ve any more questions, please get in touch.
World Nomads covers more than 150 activities and sports, and if it’s not on the list you can contact us and we’ll let you know if we’ll cover it.
You can read more about coverage for some specific activities, or select your Country Of Residence and click here to see the activities covered by the plans available to you.
We offer cover for:
- 24/7 Emergency Assistance
- Overseas medical assistance
- Cancellation
- Baggage
I bit on something hard
A bone chipped my front tooth, on the top row, and cracked it. Blood started to run down so I had an emergency visit to the dentist to repair it.
B.P. U.S Resident in South Africa.
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Unexpectedly hospitalised?
- Travel buddy unfit to travel?
- Close relative suddenly dies?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Need meds quick?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Banged up abroad?
- Need a hospital urgently?
- Medivac home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Passport or tech stolen?
- Airline lost your gear?
- Bags delayed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
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?
Contact the teamFAQ
Here are our most frequently asked questions about overseas medical insurance. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team. If you’re looking for general travel advice, you can ask our community at Ask a Nomad.
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Does my insurance cover medical costs upfront or do I have to pay and claim later?
Who pays depends on what’s happened! If it’s an emergency situation where hospital admission and/or medical evacuation is required, the insurer covers these costs upfront (provided the incident is covered as per the policy wording, of course).
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Do you have a list of doctors/dentist so I know where to go in case something happens and make sure I’m covered?
We don't publish a list of doctors or dentists. If you need help finding one, call our assistance teams, and they'll guide to the most appropriate medical professional.
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Why don't you cover ongoing treatment at home?
Travel insurance policies are designed for accidents or unexpected illness overseas. They don't stand in place of primary medical insurance or government healthcare.
