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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.

Sea view of Pucisca Brac
Seafront scenery of small mediterranean village Pucisca on Island Brac. Photo credit: Getty images / Dreamer4787

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 medicalif 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 belongingsif 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.
Hvar Island, Croatiay
Hvar Island, Croatia. Photo credit: Getty images / Maremagnum

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
Korcula, Dalmatia, Croatia
A photo of Korcula, Dalmatia, Croatia. Photo credit: Getty images / Tuul & Bruno Morandi

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.

A tourist overlooking a scenic view in Croatia
Tourist enjoying a scenic view. Photo credit: Getty images / Nadezhda1906

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 tipif 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)
*This is a general summary only. Restrictions, exclusions and limitations will apply. Coverage may not be available for all countries, states or provinces. Benefit limits may vary depending on the plan chosen. Get a quote for full details.

Travel insurance. Simple & flexible.

Travel insurance for independent travelers and intrepid families. Nobody wants to think about all the things that could go wrong on their trip, but these things can and do happen. So be prepared and get your travel insurance today.

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 team