Do I need travel insurance to visit Croatia?

Known as one of Eastern Europe’s most beautiful countries, Croatia combines stunning natural and architectural beauty. These include the capital, Zagreb, the stunning Plitvice Lakes, the beauty of the Dalmatian coast, and the historic cities of Dubrovnik - home to a number of film and TV productions - and Split. During your trip, AXA is here to help you by providing comprehensive travel insurance and plenty of advice on important information, like visa requirements, as well as the weather, safety, and Croatia’s must-see attractions.

The first thing you need to know is that although Croatia is in the process of joining the Schengen Area, and it adheres to the Schengen acquis (rules) to a large extent, it is not currently inside the border-free zone, despite the country being an EU member. Of all the countries currently in the process of joining the Schengen Agreement, Croatia is closest to formally joining, having passed its evaluation in 2019, and been formally accepted as a future member in 2021, ahead of planned accession in 2024. This means that Croatia cannot currently issue Schengen Visas but Schengen Visa holders can enter, stay or travel through Croatia, for up to 90 days, without the need for an additional visa.

As it is becoming part of the Schengen Area of borderless travel, it applies similar rules to the Schengen Area on visas - meaning you need to be covered for at least €30,000 of medical expenses to gain a visa. AXA’s Schengen travel insurance offers extensive protection for those traveling to Croatia - as it can cover medical expenses up to €100,000 in Croatia and other Schengen Area countries. It also allows you to obtain the travel insurance certificate required with your visa application.

What does AXA Schengen travel insurance for Croatia cover? 

Starting at around $33 per week of your trip, our Europe Travel insurance covers:

● Up to €100,000 coverage in medical expenses

● Medical repatriation & transport

● 24/7 medical assistance in English or French in case of urgency

● Up to 180 days of coverage

● All Schengen and European Union countries as well as the United Kingdom (depending on the chosen insurance)

● Insurance certificate issued immediately and approved by the embassies

● No age limit

● Zero deductible - which will allow you to avoid some upfront and early costs with your claim

Is travel insurance required for Croatia? 

Travel insurance is mandatory. If you don’t need a visa, travel insurance is optional but strongly recommended as medical costs can be high for foreigners, especially as you will need to pay for any prescriptions.

Do you cover emergency medical costs related to coronavirus? 

We will cover your medical costs related to coronavirus provided you haven't traveled against World Health Organization advice, personal medical advice from your doctor, or any other government body’s advice in your home country or the country you are traveling to. Emergency and additional travel costs are also covered providing you have stuck to this advice.

All issued electronic certificates purchased on the axa-schengen site include this disclaimer: “Medical fees related to COVID-19 are covered in the terms, conditions & exclusions established in the insurance policy”. This will satisfy any embassy rules that state you must get an insurance certificate with Covid protection.

Will AXA Schengen travel insurance be accepted with my visa application? 

AXA have been leading experts in delivering insurance certificates that meet Schengen countries’ requirements to obtain a visa for more than 10 years. All you need to do is print the electronic form of the health insurance certificate and enclose it with your visa application - it’s that easy! Each AXA Schengen insurance certificate is individualized and bears a number that is verifiable on our website.

What are the requirements for travel insurance for my Croatia visa? 

To obtain a visa to Croatia your insurance must meet the following criteria:

- Minimum coverage for at least €30,000 in medical expenses

- It should cover any expenses which might arise in connection with repatriation for medical reasons.

I don’t need a visa to visit Croatia - can I still purchase your insurance to cover my possible health expenses?

Schengen travel insurance is not mandatory for some travelers, but that doesn’t mean you won’t be injured or get ill. A broken wrist or nasty infection can happen to anyone! We thus strongly recommend that you subscribe to our insurance for travelers visiting Europe to make sure your trip is as safe and peaceful as possible. 

What are the main advantages of AXA Schengen or Europe Travel insurance? 

1. Compliant with European requirements for Schengen Visa. 10 years of existence

2. Immediate coverage. Your insurance covers you from the first day you need it

3. No age restriction, zero deductible

4. No price variation because of nationality or age

5. Refund if your Schengen Visa application is denied.

Why should you trust us?

● Medical files processed by AXA Schengen in 2021: 2292

● Medical calls processed by our agents in 2021: 3845 

What insurance plans are there to consider?

  Coverage duration Max.
Countries Covered Average price 
Europe Travel Up to 180 days  €100,000
Austria, Belgium, the Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, the Netherlands, Norway, Poland, Portugal, Slovakia, Slovenia, Spain, Sweden,Switzerland, United Kingdom, Bulgaria, Croatia, Cyprus, Ireland, Romania
33€ per week
(approx. US$ 48)
Multi Trip  Illimited number of stays of 90 days max.
during 1 year 
€100,000 328€ per year
approx. US$ 357)
Low Cost Up to 180 days  €30,000
Austria, Belgium, the Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, the Netherlands, Norway, Poland, Portugal, Slovakia, Slovenia, Spain, Sweden, Switzerland
22€ per week
(approx. US$ 24)

What should I do if I am injured or ill while in Croatia? 

Don’t worry - AXA’s Schengen insurance is here to guide, help, and protect you. In case of a medical emergency, you must contact the AXA Schengen call center at the number provided on your insurance policy. Medical assistance professionals will answer your questions and advise you 24/7 to help you find the medical center best suited to your situation and the closest to your location.

The following information must be given to the call center:

● The number of your policy, which begins with “SCH”.

● The address and telephone number at which you can be reached and the details of the people that can be contacted locally.

● The dossier number, which is communicated at the time of the first call.

IMPORTANT: Remember to always keep bills/ invoices and enclose them with your file.

What should I know when preparing for my trip to Croatia? 

Security: Crime levels are low and violent crime is rare. Some tourists have been the victims of overcharging in so-called ‘Gentlemen’s Clubs’ - so these should be avoided. Take care in busy tourist areas, where pickpockets are known to operate, and avoid carrying large amounts of cash unless necessary.

Opening hours: Stores in Croatia are open from 8am to 7pm on weekdays and until 2pm on Saturday. Sunday shopping is only allowed during the tourist season. 

Public transport: Train travel in Croatia is easy and relatively inexpensive, but the train network isn't as far-reaching as the bus network and some routes only operate during the summer tourist season. For example, the historic city of Dubrovnik has no train station. Bus services are usually an excellent way to travel across Croatia and are more regular and comprehensive in the summer tourist season.

Driving license: In order to drive in Croatia, you will need a valid driver's license from your home country, unless your driver's license is written in a non-Latin script. If this is the case, you will need an international driver's license.

Restaurants: Restaurants are usually open roughly from noon to midnight but many close on Sunday altogether.

Visa: Although many countries have visa-free travel with Croatia and the Schengen Area, if you think you do need a visa to Croatia you can find out more here.