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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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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.

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 offers two travel insurance plans, the Standard and Explorer plan. Both plans can help British travellers in the event of any injury, sickness, theft, or natural catastrophe that happens during your time overseas.

The Explorer Plan offers a wider range of cover than the Standard Plan, with more activities, as well as 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 Assistance Team as soon as possible. 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 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 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.
  • Rental car excess (Explorer Plan) – if your rental car is stolen or damaged during your trip, then the excess payable when claiming for this may be covered if you’ve selected the Explorer Plan. You must have a valid licence in the UK for the class of vehicle you’re driving overseas, regardless of local laws.
  • Cover for Coronavirus-related events – for all the details including benefit limits and exclusions under our Coronavirus cover, check out our Coronavirus cover article.
Hvar Island, Croatiay
Hvar Island, Croatia. Photo credit: Getty images / Maremagnum

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, general conditions and special exclusions 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
  • Backpacking
  • Hiking & trekking
  • Snorkelling
  • 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

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.

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 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

Protect your trip from unexpected cancellation.

  • Explorer Plan: £5,000
  • Standard Plan: £3,000
Trip Protection
  • Unexpectedly hospitalised?
  • Travel buddy unfit to travel?
  • Been made redundant?

We’ve got your back.

Emergency Abroad Medical Expenses

Take the pain out of medical costs while traveling abroad.

  • Explorer Plan: £10 million
  • Standard Plan: £5 million
Emergency Medical Insurance
  • Need meds quick?
  • Accidentally injured?
  • Suddenly sick?

We’ve got your back.

Emergency Medical Transport

Expenses included in Emergency Medical limits.

Evacuation and Repatriation
  • Banged up abroad?
  • Need a hospital urgently?
  • Medivac home?

Help starts here.

Protect your gear

Cover your lost, stolen or damaged gear and tech.

  • Explorer Plan: £2,000
  • Standard Plan: £1,000
Protect your gear
  • Luggage lost?
  • Airline lost your gear?
  • Tech trashed?

Help starts here.

  • Emergency Medical Expenses
  • Baggage & Personal Belongings
  • Cancellation
  • Trip Curtailment
  • Personal Accident
  • Loss of Passport or travel documents
  • Personal Liability
  • Legal Expenses (Personal Liability)
This is a general summary for United Kingdom residents only. Restrictions, exclusions and limitations will apply. Benefit limits may vary depending on the plan chosen. Check the plan documents for full details.
Pre-existing medical conditions

World Nomads policies cannot cover claims due to Pre-Existing Medical Conditions (PEMC), regardless of whether the condition is serious or not (this includes if you're on separate or joint policies). You can still purchase a World Nomads policy, but the PEMC exclusion is not removable. 

For travel insurance providers that offer cover on PEMC, visit the Money and Pensions Service (MaPS) Money Helper website, or call 0800 138 7777. BIBA's (The British Insurance Brokers' Association) Find Insurance Service offers information on serious PEMCs and travel insurance providers that may cover these conditions. You can also contact them on 0370 950 1790.

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

If you need medical assistance or emergency medical evacuation our team is available 24 hours a day, 7 days a week, 365 days a year before and during your trip.

Wherever you are, we’re here 24/7 to help you in any emergency.

Are you in need of emergency assistance right now?

For policies purchased on or after 1 September 2021:
+44 (0) 2030931750 (Call via an operator reverse charges. Not toll free.)

For policies purchased before 1 September 2021:
Phone: +353 21 237 8005 (Call via an operator reverse charges. Not toll free.)
Phone: +61 2 8263 0470 (Call via an operator reverse charges. Not toll free.)

Contact the team