What travel insurance do I need when visiting Croatia ?

How to prepare for your trip to Croatia ?

Renowned 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 and Split. During your trip, AXA is here to help you by providing comprehensive travel insurance, 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. However, this means that Croatia cannot currently issue Schengen Visas. Schengen Visa holders can enter, stay or travel through Croatia, for up to 90 days, without the need for an additional visa.

At the moment, however, those wishing to visit Croatia while traveling to another European country may want to apply for a visa from one of the Schengen Area countries you wish to travel to, and then use this for your visit to Croatia. Those who do not require a visa to travel to the Schengen Area, such as the U.K., will not need to apply for a visa to enter Croatia. If this does not apply to you and you only wish to travel to Croatia, you will require a national Croatian visa.

RECOMMENDED ARTICLE : Which countries are not part of Schengen Visa area ?

Which insurance plans to consider?

  Coverage duration Max.
Countries Covered Average price 
Europe Travel Up to 180 days  €100,000
Austria, Belgium, Bulgaria, Croatia, Cyprus, the Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, the Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Switzerland, United Kingdom
33€ per week
(approx. US$ 35)
Multi Trip  Illimited number of stays of 90 days max.
during 1 year 
€100,000 328€ per year
approx. US$ 349)
Low Cost Up to 180 days  €30,000
Austria, Belgium, Croatia, 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$ 23)


Advice on health, vaccinations, and Covid-19

America’s CDC recommends travelers visiting Croatia get routine vaccinations against hepatitis A, hepatitis B, rabies, meningitis, polio, measles, mumps and rubella (MMR), Tdap (tetanus, diphtheria, and pertussis), chickenpox, shingles, pneumonia, and influenza - if not received already.

Information on Covid-19

Croatia accepts foreign travelers from across the world but has certain entry requirements for those wishing to visit the country. You must provide a negative PCR or rapid antigen test dated no more than 48 hours prior to arriving in Croatia, a certificate showing you are fully vaccinated, or a certificate issued by a doctor confirming you have recovered from Covid-19 no more than 180 days and no fewer than 11 days prior to arrival in Croatia. Children under seven years old don’t need a negative test if their parents have one of the above certificates.

Travelers arriving from South Africa, Brazil, India, and Zanzibar must comply with a 14-day period of self-isolation in the place where they are staying following their arrival.

You should check to see if these rules and categories have been updated before you book your trip, and before traveling.

Will I be covered on my insurance for Covid-19 related issues?

AXA will cover your medical costs related to coronavirus provided you haven't traveled against the advice of the World Health Organization, your government or the Croatian government, or the medical advice of your doctor.

AXA Travel Insurance policies cover medical costs related to Covid-19 within the limits, conditions, and exclusions defined in each insurance policy. Our policies will cover your medical costs if you are the victim of an accident or fall ill, including suffering from Covid-19 and related illnesses.

The certificates of insurance provided on our website include the statement: "Medical expenses related to Covid-19 are covered within the limits, conditions, and exclusions defined in the insurance policy.

Our policies are available to purchase whatever your age and nationality, at no extra cost, and meet the standards required by the European Union countries in order to obtain a Schengen or national visa. They also take care of medical repatriation expenses, including when its causes are linked to Covid-19.

How to get to Croatia

By plane : There are international airports in Zagreb, Split, Dubrovnik, Zadar, Pula, Rijeka (on the island of Krk), Osijek, Bol and Mali Lošinj.

By car : The motorways in Croatia connect most major cities - but can be congested during the summer tourist season due to travelers’ reliance on roads to get around.

By train : Although the capital Zagreb is easily accessible by train from neighboring countries, the country’s rail network is somewhat limited, especially in the winter months. However, there are plans to improve the network via high-speed lines, so this may change in the future.


Discover Croatia

Many travelers' first instinct may be to visit the city of Zagreb, however, it’s the extraordinary walled city of Dubrovnik that is the country’s must-see place. A UNESCO World Heritage site, it’s also provided the backdrop to major TV and film productions including Game of Thrones and Star Wars. Split, Croatia’s largest city, is extraordinarily beautiful, while sun-worshippers flock to the Dalmatian Coast - a popular destination for both cruises and the super-rich. Those staying in Zagreb should also take the time to visit the Plitvice Lakes National Park, with its stunningly beautiful waterfalls.

Practical information

The Croatian capital is Zagreb, where most countries will have their embassy. Check to see where the embassy of your home nation is before leaving in case you need to visit in an emergency. The official language is Croatian. The currency is the Croatian kuna. Cars drive on the right.

Related pages on other non-Schengen countries

Frequently asked questions about travel insurance to Croatia

How do I contact AXA to make a claim during my trip ?

If you need to contact us while requiring assistance during your trip to Croatia you can email the AXA Help Team at travel.help@axainsurance.com or log in to your online account and follow the simple steps on the claims page. For support in a medical emergency call our 24-hour helpline on +44 01737 815626. Call charges may vary.

Will my travel insurance fees be refunded if my visa is refused ?

Yes. If your visa is refused AXA will refund your insurance fees in most cases but you will need to provide documentation stating why your application was refused.

Do I need to report pre-existing conditions when taking out travel insurance ?

Yes you do - and AXA has made it easy for you to do so by answering a few quick and confidential questions during the quote process. We should be able to offer insurance that covers the conditions you have declared. Claims relating to any conditions not declared to us will not be covered.