Travel insurance for Croatia from £4.77^
Key takeaways
The average cost of travel insurance for Croatia is £12.55
^ It isn’t a legal requirement for Croatia, but can protect you against potentially expensive costs if you fall ill, have an accident, need to cancel your trip, or if your belongings get lost or stolen
GHIC card holders are entitled to healthcare at free or subsidised costs in Croatia, but this isn’t a substitute for travel insurance
Make sure your policy covers your plans; you may need additional cover for activities such as hiking
Do I need travel insurance for Croatia?
Holiday insurance is not a legal requirement. But without it, you could be left having to foot the bill if something goes wrong with your trip – and this could be costly.
Travel insurance can help cover you financially if your holiday to Croatia is unexpectedly cancelled, you need medical treatment while travelling, or if your valuables are lost or stolen.
According to 2025 data from the Association of British Insurers:
British residents had to make 500,000+
^ claims on their travel insurance in 2024The most common reason for claiming was to cover unexpected medical expenses, with an average insurance payout of £1,528
^ By contrast, you can find travel insurance to Croatia from just £4.77
^ a day
Croatia hosts major summer events including Hideout Festival Ultra Europe in Split and the Dubrovnik Summer Festival (July to August). Travellingduring these events can mean crowded flights, busy transport and limited accommodation, so travel insurance can help cover delays, cancellations or lost belongings.
Croatia travel advice
Still current at: 3 Sept 2026
Croatia adheres to Schengen area rules, requiring passports to be issued less than 10 years ago and valid for at least 3 months after your departure date; you can visit visa-free for up to 90 days in any 180-day period for tourism or short stays, but ensure you have accommodation, return tickets, and sufficient funds, and be aware of the new Entry/Exit System (EES) which may require biometric data collection upon entry. Travel disruption is expected at the Gradiška border crossing due to a relocated bridge, so plan for potential delays. While crime is low, be mindful of pickpockets in tourist areas and report any overcharging or suspicious taxi activity, and always carry your passport as local authorities may issue on-the-spot fines for anti-social behaviour.
Croatia adheres to Schengen area rules, requiring passports to be issued less than 10 years ago and valid for at least 3 months after your departure date; you can visit visa-free for up to 90 days in any 180-day period for tourism or short stays, but ensure you have accommodation, return tickets, and sufficient funds, and be aware of the new Entry/Exit System (EES) which may require biometric data collection upon entry. Travel disruption is expected at the Gradiška border crossing due to a relocated bridge, so plan for potential delays. While crime is low, be mindful of pickpockets in tourist areas and report any overcharging or suspicious taxi activity, and always carry your passport as local authorities may issue on-the-spot fines for anti-social behaviour.
This is an AI-generated summary of UK government travel advice. Check the FCDO website for complete information.
What type of travel insurance do I need for Croatia?
Croatia is typically covered under European travel insurance policies.
The specific type of policy you need depends on your travel plans:
One trip to Croatia only
If you are only visiting Croatia, choose single-trip travel insurance and select Croatia as your destination.
One trip to Croatia and other countries
Combining a holiday in Croatia with visits to other countries, perhaps you're planning a cruise trip?
Single-trip travel insurance can cover multiple countries as long as they are all part of the same trip:
If you are planning on heading home between trips, you need multi-trip insurance
If you’re planning an extended trip, backpackers’ insurance may be more suitable
If you're heading outside Europe, you will need to select worldwide cover.
Several holidays throughout the year
You might save money by selecting an annual multi-trip travel insurance policy.
Travelling with a medical condition
It ispossible to get travel insurance with a pre-existing medical condition, but note that it may be more expensive than a standard policy.
How much is travel insurance for Croatia?
The average cost of travel insurance for a single trip to Croatia is £8.27
Traveller(s) | 7 day trip | 14 day trip |
|---|---|---|
Individual | £7.38 | £14.40 |
Couple | £15.82 | £30.90 |
Family | £18.83 | £40.88 |
Group | £21.45 | £40.26 |
The figures in this table are averages of the costs paid by MoneySuperMarket customers over the last three months.
Can I get last minute travel insurance for Croatia?
Yes, it is possible to get last-minute travel insurance up to the day of your departure, although not all insurance providers will offer this.
You can buy last minute travel insurance through MoneySuperMarket.
Is it cheaper to buy travel insurance closer to my departure date?
Not really. The price of travel insurance doesn’t tend to increase as your departure date gets closer. The more important point is to prioritise buying your policy as soon as you book your trip. That way you'll be covered if you have to cancel your Croatia holiday.
What should my travel insurance policy for Croatia include?
Standard travel insurance will usually cover:
Illness and unexpected or sudden accidents that happen during your trip
Trip cancellation
Lost luggage (including your passport)
Theft
Repatriation (bringing you home if you are seriously ill or injured abroad)
Personal liability (you are responsible for accidentally harming someone or their property)
🚩Different travel insurance policies have different levels of cover and exclusions. You should always read your documents carefully to ensure you have the cover you need.
What isn’t covered by travel insurance to Croatia?
Typical exclusions include:
Undeclared pre-existing medical conditions
Some incidents relating to ‘unforeseeable’ disasters including terrorism, war, strikes, and natural disasters
Alcohol and drug-related incidents
Travel to areas where the Government advises against all but essential travel (found on the FCDO website)
Adventure sports or winter sports which aren’t covered by your policy
Always check the policy wording for exclusions before you travel, as these vary between insurers.
💡 Top tip: You can upgrade your insurance to include add-ons like winter sports, gadget cover and travel disruption cover.
Medical care in Croatia
British citizens can get some necessary state healthcare in Croatia for free – on the same basis as a resident – with a Global Health Insurance Card (GHIC).
However, the UK government and NHS advise that Britons with GHICs should still take out comprehensive travel insurance when they visit Croatia as the cards do not cover all medical situations and costs, such as repatriation to the UK.
Will my EHIC/GHIC cover me in Croatia?
Yes, you can still use a Global Health Insurance Card (GHIC) or unexpired European Health Insurance Card (EHIC) to get some free healthcare in Croatia.
GHICs have replaced EHICs, which will be phased out as they expire. UK residents can get a GHIC for free from the NHS website. The cards are valid for up to five years.
Can I get travel insurance for Croatia if I have a pre-existing medical condition?
Yes, you can get travel insurance cover with a pre-existing medical condition, but it may be more expensive than a standard policy.
A pre-existing condition is any health issue for which you had symptoms, medication, medical advice, treatment, or tests before you took out your insurance policy. It includes mental health conditions and disabilities.
You must disclose all pre-existing medical conditions. If you don't, your insurer can refuse to pay out for a claim.
You can buy medical travel insurance through MoneySuperMarket.
Do I need vaccinations to visit Croatia?
There are no specific vaccination requirements for visiting Croatia, but TravelHealthPro recommends checking that your routine vaccinations are up to date prior to your trip. Tetanus is recommended for most travellers, while some should also consider hepatitis A, rabies and tick-borne encephalitis vaccinations. Find out more here.
🚩 Vaccination recommendations may be different for individuals with specific health conditions. We recommend speaking to your doctor before travelling.
Do I need a visa to visit Croatia?
No, if you are a UK passport holder you do not need a visa to enter Croatia as long as:
Your visit will not mean you have spent more than 90 days in the Schengen area within a 180-day period
The purpose of your visit is a holiday or to visit friends and family
The purpose of your visit is for certain types of work or study, such as to attend a business meeting
Rules for visiting Europe have changed post-Brexit. If you overstay your 90-day visa-free limit you can be banned from entering any Schengen country for three years.
🚩 Visa requirements for a country can change. For the most up-to-date information, check the UK government’s foreign travel advice website.
What travel insurance do I need for a cruise trip in Croatia?
You may need to buy a cruise policy, or add ‘cruise cover’ to a standard travel policy. It will provide you with insurance tailored to your cruise trip, including cover for missed departures, and medical evacuation if you need to leave the ship for hospital treatment.
What travel insurance do I need for hiking in Croatia?
You may need to have adventure sports cover. Croatia has some wonderful hikes, both in the mountains and along its coastlines, but standard travel insurance policies often will not cover hiking above a certain altitude or in riskier locations.
If your hiking trip involves mountaineering or using climbing equipment, [add comma] you'll almost certainly need extra cover.
You may be able to add adventure sports cover to your existing travel insurance for a fee. Always check your policy covers the specific activities you plan to visit before you travel.
How do I claim on my travel insurance?
Report the incident you want to claim for to your insurer as soon as possible
If something is stolen, report it to the local police within 24 hours and get a report
Keep records of what has happened, including photos or videos and the contact details of anyone involved
➡️ Learn more: How to make a claim on your travel insurance.
Where can I get cheap travel insurance for Croatia?
With MoneySuperMarket you can compare quotes from a wide range of different travel insurers, helping you find the best price for the cover you want.
Plus, we offer our travel insurance customers rewards. Get a voucher worth up to £5
Just sign up to our free SuperSaveClub
💡 Top tip: Looking for travel insurance for another destination? Check out our travel insurance destination guide hub.
Author
Esther Shaw
Money expert
Esther Shaw is an award-winning consumer, financial and property journalist with more than two decades of experience. As a freelance writer, she regularly contributes to a range of national titles...
Reviewer
Beth Leslie
Senior Insurance Content Editor
Beth is an experienced writer and editor who specialises in financial and economic content. She is currently the Senior Insurance Content Editor for MoneySuperMarket. Beth is passionate about making...
