Croatia Travel Insurance & Assistance Services

Planning a trip to Croatia? Whether you're setting sail on the Adriatic, exploring the medieval streets of Dubrovnik, or relaxing on the stunning beaches of Hvar, travel always comes with some uncertainties. Unexpected medical emergencies, trip cancellations, or lost luggage can quickly turn an exciting adventure into a stressful experience.

Traveling to Croatia: What Do You Need?

You may want to walk down the historic streets of Dubrovnik, sail along the Dalmatian Coast or hike in Plitvice Lakes National Park. No matter where you go, having the right travel documents and coverage may save you from unexpected expenses and hassles along the way. That’s why you should get travel insurance with assistance services for Croatia. Travel insurance with assistance services helps provides financial protection and peace of mind, allowing you to enjoy your trip.

Passport Requirements

To enter Croatia, your passport must be valid for at least three months beyond your planned departure date from the Schengen Area. However, we recommend that your passport have at least six months of validity. Some airlines may enforce their own rules, so it's best to check with your airline before you travel.

Additionally, having both digital and physical copies of your passport can be helpful in case of loss or theft. Make sure to keep your passport in a secure location, especially in tourist-heavy areas where pickpocketing may occur. Consider using a money belt or a secure travel pouch to keep your documents and valuables safe.

If you're traveling with minors, ensure their passports meet the same requirements. Some countries may also require parental consent forms for minors traveling alone or with one parent, so it's best to check with Croatian authorities before your trip.

Schengen Visa Requirements

Croatia is part of the Schengen Area, meaning visa requirements depend on your nationality. Residents of Schengen countries can travel passport-free among the 29 countries. If you're from the United States, Canada, the UK or Australia, you can enter Croatia visa-free for up to 90 days within a 180-day period.

However, travelers from countries requiring a Schengen visa must obtain one before departure. And starting in 2026, visa-exempt travelers (such as those from the U.S., Canada, the UK, and Australia) will also need to register in advance through the ETIAS system (European Travel Information and Authorization System) before entering Croatia or any other Schengen country. As part of the visa application process, you’ll need to provide proof of travel health insurance for Croatia with a minimum amount in medical coverage.

If you’re applying for a Schengen visa, be prepared to submit documents such as proof of accommodation and round-trip flight details. Processing times vary, so apply at least 4-6 weeks before your trip to avoid delays.

Those traveling for work, study or extended stays beyond 90 days should check specific visa requirements with the Croatian consulate. Always apply for visas well in advance.

What Travel Protection Do You Need for Croatia?

Selecting the right travel protection for Croatia depends on the nature and length of your trip. You also have your personal needs to consider.

How Much Reimbursement Coverage Should You Get?

Higher-tier I plans offer greater reimbursement for trip cancellations, interruptions or delays. If you have a tight travel schedule or are visiting during potentially unpredictable weather, opting for Generali Global Assistance’s Premium Plan, with the highest reimbursement rates may be a smart choice.

Trip Interruption coverage may help recover non-refundable expenses if you need to cut your trip short due to a family emergency, illness or natural disaster. Budget-conscious travelers may opt for a Standard Plan, but more adventurous or at risk travelers should consider a higher level plan.

If you’re traveling for a special event such as a wedding or festival, having trip cancellation coverage is even more important, as last-minute disruptions can be costly. We also offer Missed Connection coverage, which is useful if you’re relying on multiple flights or ferries.

How Much Are You Taking With You?

Longer trips often mean more luggage, making Baggage or Baggage Delay coverage important. If you're traveling with expensive sporting equipment, such as diving gear or a drone, consider a plan that includes specialized coverage.

Each of our plans cover luggage, while only the Preferred and Premium Plans cover sporting equipment. We have minimum timing thresholds in place, but having coverage for essential purchases in case of baggage delay can be a lifesaver.

If you’re traveling with prescription medications, consider bringing extra doses and carrying them in your carry-on. It’s also wise to carry a doctor’s note for any essential medication.

How Much Medical Coverage Do You Need?

Medical emergencies can be costly when traveling. Generali Global Assistance’s travel protection plans include Medical and Dental coverage to help reimburse expenses your regular insurance may not fully cover.

Coverage applies only to illnesses or injuries that occur during your trip—pre-existing conditions are generally excluded unless you qualify for a pre-existing medical condition exclusion waiver by purchasing the Premium Plan within 24 hours of your final trip payment.

Additionally, Generali Global Assistance can arrange upfront payment of up to $1,000 for acute illnesses in select areas, reducing the hassle of handling medical costs abroad.

For serious medical emergencies, coverage can also include emergency medical evacuation to the nearest suitable hospital, medically necessary transport back to the United States and even coverage for repatriation of remains in the event of death while traveling. If you’re hospitalized for more than seven days, Generali Global Assistance can also cover travel and lodging for a loved one to come and support you.

Having the right Medical and Dental coverage may bring peace of mind, allowing you to focus on enjoying your trip .

Do You Need Rental Car Damage coverage?

If you desire a bit more control over your transportation and plan to rent a car in Croatia, make sure you include rental car damage coverage to help cover damage or theft. Narrow, winding roads along the Adriatic coast are common, increasing the risk of minor accidents.

Many rental companies require customers to carry additional insurance. Our Premium Plan covers rental cars, and it's an optional add-on for Standard or Preferred Plans.

Alternatively, you might already have coverage through your existing auto insurance or credit card company but verify any limitations or exclusions from them or with our plans terms and conditions.

Would CFAR (Cancel for Any Reason) Coverage Be Worth It to You?

If you want maximum flexibility, consider adding Cancel for Any Reason (CFAR) coverage. This allows you to recoup a portion of your trip costs even if you cancel for reasons not typically covered under the trip cancellation or trip delay allowances, such as a change of plans or personal concerns (CFAR is unavailable for residents of NY).

CFAR coverage typically reimburse up to 75% of prepaid expenses and up to 60% of the penalty costs for canceling. This can be a valuable option if you've booked expensive accommodations, cruises or extended tours.

If you’re traveling with young children or elderly family members, CFAR can provide peace of mind in case of unexpected health issues. Make sure you fully understand all aspects of this added coverage before purchasing it.

How Do You Get Travel Protection for Croatia?

Many avoid purchasing travel protection because of the perceived complexity, but we make getting Croatia travel protection simple. With Generali Global Assistance, you can compare different plans to find the right coverage for your trip. Whether you're looking for basic coverage or a Premium plan with enhanced benefits, you can easily choose the right plan online.

A few things to consider when buying travel protection:

Check if Medical and Dental coverage extends to adventure activities such as scuba diving, hiking or sailing.
Check if Trip Cancellation and Trip Interruption coverages may help cover all your major expenses.
Review all plan exclusions carefully to avoid surprises in the event you need to file a claim.

Croatia Travel Tips

Above all, we want you to have fun, but we also want you to be prepared. Make the most of your trip with these Croatia travel tips:

Cash is king. While credit cards are widely accepted in the major cities, many small towns and most islands prefer cash payments, so carry some euros (EUR), the country's official currency.
Book ferry tickets in advance. If you plan to do any island hopping in the Adriatic Sea, book your ferry tickets early, especially during the peak summer months.
Respect local laws, customs and traditions. Some cities restrict drinking alcohol in public places, and fines may apply. Other places may have curfews. Croatia has a rich cultural heritage. Learn about local etiquette, dress modestly and know the general laws before you go.
Pack for inclement weather. Croatia's climate can be unpredictable. Pack accordingly and stay informed through local weather forecasts.
Try local cuisine. Be sure to sample traditional Croatian dishes such as peka (slow-cooked meat or seafood) and black risotto (a squid ink specialty).

A trip to Croatia is an unforgettable experience, but unexpected events can disrupt even the best-laid plans. Having coverage may provide peace of mind.