Medical insurance in Montenegro is not a mandatory requirement for entering the country. However, in my opinion, every traveler should always have one. Unfortunately, many people only learn from their own mistakes. No matter how much you stress the importance of insurance, some will only start purchasing it after experiencing a costly mishap abroad.
Table of contents:
- Insurance in Montenegro: Types and General Information
- Comprehensive Insurance in Montenegro
- Where to Buy Insurance to Montenegro
It will be difficult for you to plan your dream trip to Montenegro without these websites
Insurance in Montenegro: Types and General Information
I won’t argue that travel insurance significantly impacts your travel budget. However, if something happens, it will pay for itself many times over.
Here are a few examples from my personal experience:
- In Singapore, I caught Dengue fever—treatment cost: $2,500.
- In India, I fell off a scooter and broke my collarbone—total cost: $4,000.
- In both cases, my $20 insurance covered everything.
Remember: Insurance won’t make your trip safer, but if something goes wrong, it will save you money and nerves.
Now, let’s go over some key points:
- Traveling with children? Never forget insurance. Check out this article on traveling to Montenegro with kids: pros and cons.
- Booking a vacation package? It likely includes basic travel insurance. While it may be minimal, it’s still better than nothing. Read more about Montenegro travel packages: prices, features, and where to buy.
- In many countries, insurance is a mandatory entry requirement, just like a passport. But in Montenegro, it’s only recommended, not required by law.
One important thing to keep in mind—healthcare in Montenegro is not free. Tourists often face higher prices, sometimes 3-10 times more than locals. Here’s a rough price estimate:
- Tooth extraction: €200-350
- Specialist consultation: ~€50
- Medical tests: from €30-50 each
For a full price guide on travel costs in Montenegro, check out this article.
Basic insurance – the cheapest option, covering only emergencies.
Comprehensive insurance – costs more but offers broader coverage and more claimable situations.
If you’re interested in Montenegro’s Covid-19 policies and travel restrictions, check out this article on PCR tests, Covid rules, and more.
Comprehensive Insurance in Montenegro
You should understand that basic insurance only covers emergencies. If you feel unwell and just want a consultation, you’ll have to pay out of pocket. Below are some common situations where basic insurance doesn’t apply, but comprehensive insurance does:
- Sunburns: Most insurance companies only cover children under 14 for medical treatment due to sunburns. Adults are expected to manage their sun exposure. However, comprehensive insurance covers sunburn treatments for all age groups.
- Injuries from activities (e.g., cycling, hiking, water sports) – only covered by comprehensive insurance.
- Pregnancy complications and doctor visits – basic insurance does not cover these cases.
- Lost luggage, flight cancellations, and trip interruptions – only included in comprehensive insurance.
While these are the major differences, various policies may include additional conditions, so always read the fine print before purchasing.
For more Montenegro travel tips, vacation trends, and useful insights, check out the link below.
Where to Buy Insurance to Montenegro
Buying travel insurance for Montenegro is incredibly easy. You can get it from your usual travel agency, the insurance company that covers your home or car, or simply search online—hundreds of companies offer digital travel insurance today.
Pro Tip: We live in the 21st century—why complicate things? Online insurance is faster and more convenient. You can purchase it straight from your phone while heading to the airport. Once you complete the payment, the policy will be sent to your email—no paperwork, no hassle.
Important Note:
Insurance for Montenegro must be purchased before your trip. If you try to buy it after arriving, it will only become valid on the 6th or 7th day. To ensure full coverage from day one, arrange your policy in advance, while still at home.
Insurance for Alcohol Lovers
This is an innovative product designed for travelers aged 18+, who enjoy a drink or two—whether it’s a cold beer or a glass of rakija.
Important:
Most people don’t realize that no basic travel insurance covers injuries sustained while under the influence of alcohol. It doesn’t matter if you have the most expensive, premium coverage—if you get hurt after drinking, you’ll have to pay for treatment yourself.
But one insurance company has found a way around this rule. Here’s what you need to know:
EKTA Insurance (check current prices for Montenegro coverage) covers travel to any country in the world.
They offer three tiers of coverage:
- Start
- Gold
- Max+
If you compare these plans, you’ll notice a key difference—in the Gold and Max+ packages, blood alcohol levels are not taken into account when making a claim.
This makes EKTA’s Gold and Max+ plans some of the most comprehensive travel insurance options available—not just for Montenegro, but worldwide. If you enjoy a drink on vacation, this is the only plan that ensures you’re covered no matter what.
Of course, there are many other travel insurance products out there. But this one stands out as one of the most interesting and unique options for travelers heading to Montenegro. Definitely worth considering!
Final Thoughts
As of today, travel insurance for Montenegro is optional. Whether you have it or not, no one will check. But remember, it’s for your own safety and peace of mind. Many travelers neglect insurance—until they have to visit a hospital.
Insurance won’t prevent accidents, but it will make your trip much less stressful if something happens. Stay safe and travel smart!
Resources to help you plan your dream trip to Montenegro
- WayAway: Cheap flights and best deals.
- Car rental in Montenegro:
- LocalRent – works with local rental companies. Leader in car rental in Montenegro.
- DiscoverCars – a large international platform.
- Budget-friendly vacation packages to Montenegro: CheapOair.
- Hotels and apartments all over the country:
- Trip.com – the most popular accommodation booking platform
- TripAdvisor compares the prices among dozens of other booking services and offer the best price
- Tours, excursions and activities (including extreme ones):
- GetYourGuide – more than 800 tours
- Viator – 1000+ excursions and activities throughout the country
- Comprehensive travel insurance: EKTA
- Internet and Calls:
- Airalo eSIM in Montenegro
- Drimsim – universal sim card for frequent traveler
- Taxi and airport transfers: Intui.Travel