Insurance for entry to Croatia: who needs it, rules for different visa categories, and where to buy it?

Foreigners come to Croatia for different purposes: tourism, study or employment. Find out who needs insurance to enter Croatia, what the cost is and how to get it

An insurance policy is a guarantee of your safety and peaceful stay outside Ukraine

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In 2013, Croatia became a member of the European Union, and in 2019, it joined the Schengen countries. Accordingly, when travelling to this country, you should take into account the peculiarities of insurance policies of Europe, Schengen and Croatia itself. We have collected all the necessary details about the procedure, its features and cost in this article.

Who needs insurance to enter Croatia?

Croatia is a member of the European Union and the Schengen Agreement. This implies certain peculiarities of insurance for different categories of non-residents. It should be borne in mind that the current European legislation does not clearly regulate the availability of an insurance policy: the EU visa code requires it, but the border code does not.

Travel insurance is one of the mandatory documents for obtaining a visa to the EU. Since Ukraine and Croatia have a visa-free regime, the policy will guarantee safety and confidence in unforeseen situations.

Compulsory health insurance is required if you are applying for a long-term visa to Croatia for the purpose of study, employment or business. Health insurance is also a mandatory document for obtaining a residence permit in Croatia.

Ukrainian migrants, like Croatian residents, can join the system of compulsory health insurance (Hrvatski zavod za zdravstveno osiguranje - HZZO). Refugees who stay in Croatia for a long period of time or have a permanent place of work there may be obliged to register with the system and pay contributions. However, at the initial stage of temporary protection, the necessary medical care is usually provided free of charge or under a simplified procedure.

Please note! To travel abroad, you must purchase a Green Card insurance policy. In the event of an insured event, you will be able to receive compensation (if you are a victim of an accident) or payments will be made at the expense of the policy (if you are the culprit of an accident).

To avoid becoming a culprit or a victim of an accident, it is advisable to read a special guide for drivers in Croatia. Here you will get comprehensive information about traffic rules, toll roads and possible fines

General requirements for insurance policies for short and long term trips

Requirements for an insurance policy, according to Croatian legislation

1. The policy must be issued by an accredited company.

2. Coverage of at least €30,000.

3. Coverage area - EU and countries that are signatories to the Schengen Agreement.

4. Deductible - no more than €150.

Mandatory insurance requirements for the Schengen countries

1. The amount of coverage is significantly higher than €30,000, with a guarantee that any recovery and repatriation costs and COVID-19 treatment costs will be covered.

2. The insurance covers a wide range of risks (visits to doctors, hospital treatment, medicines, etc.).

3. The territory of coverage is all Schengen countries.

What kind of insurance can I get in Croatia?

Before travelling to Croatia, we recommend that you take out insurance in your host country. Of course, you can do this upon arrival in the country, but in this case there is a risk of facing a number of unpleasant issues, such as

- limited coverage (only Croatia);

- high prices;

- lack of understanding of the nuances of Croatian legislation;

- possible misunderstandings during translation.

There are a number of advantages to taking out a health or travel insurance policy from Ukrainian insurers:

1. Ukrainian insurance companies offer a wide range of insurance products that can be easily arranged online.

2. Ukrainian insurers have a good understanding of the needs of Ukrainian citizens and offer policies that take into account the specifics of travel and medical risks.

3. The cost of insurance policies from Ukrainian insurers is often more affordable than that of foreign companies.

4. Taking out a policy with a Ukrainian insurance company contributes to the development of the national insurance market and supports the country's economy.

5. Ukrainian insurers have experience in settling insurance claims with Ukrainian citizens, which can simplify the process of receiving insurance payments.

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What does insurance from Ukrainian insurers cover?

Medical and travel insurance policies can be purchased on the Visit Ukraine portal. Before doing so, we recommend that you familiarise yourself with the risks they cover.

What are the benefits of a health insurance policy on Visit Ukraine?

A basic medical policy will cover the following risks:

- medical consultation and diagnosis

- treatment;

- emergency medical care, including hospitalisation;

- reimbursement for medicines prescribed by a doctor;

- transport costs for evacuation to the nearest medical facility;

- emergency dental care.

Extended health insurance can additionally cover expenses (vaccinations, emergency surgeries, repatriation of the body to the home country in case of death of the insured person, etc.) The policy also covers other travel-related risks:

- flight delay/cancellation

- loss of baggage;

- telephone communication costs;

- damage to personal transport in the event of an accident

Take out a travel insurance policy at Visit Ukraine and travel comfortably and safely!

What are the benefits of a travel insurance policy on Visit Ukraine?

A travel insurance policy provides coverage for the following risks

- medical expenses (inpatient or outpatient care);

- dental care in case of emergency;

- evacuation and transport;

- repatriation of the body or burial;

- Flight cancellation or delay;

- loss of baggage due to the fault of the carrier;

- legal advice;

- protection in case of an accident.

Take out a travel insurance policy at Visit Ukraine and protect yourself from unpleasant situations while travelling!

How much does the insurance cost?

Medical insurance

Travel insurance

On the Visit Ukraine portal you can choose a policy for travelling to any country in the world!

Advantages of applying for a policy at Visit Ukraine

1. Speed and convenience - the price is calculated instantly, and you can get it in a few clicks.

2. Optimal price and convenient payment methods.

3. Security - you can immediately receive the policy by e-mail.

4. Ability to choose the best coverage for your needs and budget

5. Support - the service is available around the clock.

Take out an insurance policy and travel to Croatia safely!

Photo: PlanetaTut

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