Best Digital Nomad Health Insurance for Croatia
🌍 Why Is Croatia a Favorite Destination among Digital Nomads?
Croatia is rapidly emerging as a digital nomad hotspot due to its stunning Adriatic coastlines, ancient cities, and low living expenses. With Zagreb, Split, and Dubrovnik having reliable internet access, coworking spaces, and picturesque dwelling, Croatia is the ideal blend of work and play. Zagreb is an easy short flight from most Western European capitals making Croatia very convenient by air travel.
The introduction of the Croatian Digital Nomad Visa in 2021 has simplified the process for non-EU nationals to reside and work online in this EU nation for a period not exceeding one year. Low living expenses, security, and a welcoming population have earned Croatia a spot as one of the favourite remote-working destinations in Europe.
🧳 Digital Nomads Insurance for Croatia
To reside or work under the Croatia Digital Nomad Visa, you will need valid Digital nomad health insurance. It is a visa requirement as well as a precaution that ensures quality medical care during your stay.
To reside or work under the Croatia Digital Nomad Visa, you will need valid Digital nomad health insurance. It is a visa requirement as well as a precaution that ensures quality medical care during your stay.
🏥 Why Do Digital Nomads Need Health Insurance in Croatia?
Health insurance is required by law to obtain the Croatia digital nomad permit. Additionally:
- Visa Compliance: Medical insurance is required for visa approval.
- Private Access to Care: Croatia boasts a great medical system, and insurance gets you access to both the public and private facilities.
- Avoid Medical Expenses: Without insurance, medical expenses can be costly, particularly to non-residents.
- EU/Schengen Travel: Most digital nomad insurance covers regional travel.
- Family Inclusion: Dependents can be added to your policy if they accompany you.
💡 What Is the Best Digital Nomad Insurance for Croatia?
travel_luggage_and_bagsBest travel medical insurance plans for Digital Nomads for Croatia
Atlas Nomads
Atlas NomadsAtlas Nomads Insurance is the perfect health coverage for digital nomads, offering global medical protection with the flexibility to include or exclude the U.S. Stay covered wherever you work or travel, with convenient monthly or annual payments that fit your location-independent lifestyle.
- Available for non-U.S. citizens/residents traveling and working abroad.
- Coinsurance: Plan pays 100% of eligible expenses up to the overall maximum limit
- Acute onset of pre-existing condition: Covers up to policy maximum limit
- Emergency medical evacuation: Up to $100,000
- Urgent care: Up to $50 copayment
- Trip Interruption: Up to $5,000 maximum
- Repatriation of remains: Up to $20,000 maximum
Policy maximum?
Up to age 64: $250,000
Age 65 to 69: $100,000Deductible option?
$0Period of coverage?
364 days
Atlas International
Atlas International Insurance offers flexible, reliable health coverage for remote workers and travelers worldwide. Designed for U.S. and non-U.S. citizens abroad, it provides essential medical protection for trips from 5 to 364 days, with customizable benefits to fit your journey. Stay covered and focus on your work and adventures.
- Available for US and Non US citizens traveling outside USA.
- Coinsurance: After deductible, plan pays 100% up to policy maximum.
- Acute onset of pre-existing condition: Up to policy maximum for ages up to 79 years.
- Emergency medical evacuation: Up to $1,000,000.
- Urgent care: 15 per incident; no copayment if deductible is $0.
- Optional add-on benefits.
- Renewable: Can be renewed and extended up to 364 days.
- Repatriation of Remains: Equal to the elected overall maximum limit.
- Adventure Sports: Includes coverage for eligible sports injuries and illnesses during vacation at no additional cost.
Policy maximum?
$50,000, $100,000, $250,000, $500,000, $1,000,000, $2,000,000Deductible option?
$0, $100, $250, $500, $1,000, $2,500, $5,000Period of coverage?
364 days
Patriot International Lite
Patriot International LitePatriot International Lite is the ideal travel medical insurance for digital nomads, offering essential international coverage so you can work and explore worry-free. With flexible terms from 5 to 364 days, renewable up to 24 months, it suits changing travel plans. Available to U.S. and non-U.S. citizens, it provides customizable benefits for reliable protection wherever your journey takes you.
- Available for both US and Non-US citizens traveling outside the US.
- Coinsurance: After deductible, plan pays 100% up to policy maximum.
- Acute onset of pre-existing condition: Covers up to 70 years.
- Emergency medical evacuation: Up to $1,000,000.
- Urgent care: $30 per incident; no copayment if deductible is $0.
- Repatriation of Remains: Up to overall maximum limit.
- Renewable: Renewable up to 2 years.
Policy maximum?
$50,000, $100,000, $250,000, $500,000, $1,000,000,$2,500,000Deductible options?
$0, $100, $250, $500, $1,000, $2,500Period of coverage?
5 days to 364 days
Patriot International Platinum
Patriot International Platinum is ideal for Digital Nomads seeking short-term or long-term international medical coverage with flexible duration and customizable benefits. Available for U.S. and non-U.S. citizens traveling outside their home country.
- Available for both US and Non-US citizens traveling outside the US.
- Coinsurance: After deductible, plan pays 100% up to policy maximum.
- Acute onset of pre-existing condition: Covers up to 70 years.
- Emergency medical evacuation: Up to $1,000,000.
- Urgent care: $30 per incident; no copayment if deductible is $0.
- Repatriation of Remains: Up to overall maximum limit
- Renewable: Renewed for up to 36 months
Policy maximum?
$2,000,000, $5,000,000, $8,000,000Deductible options?
$0, $100, $250, $500, $1,000, $2,500, $5,0000, $10,0000, $25,0000.Period of coverage?
5 days to 364 days
globe Long-Term travel medical insurance plans for Digital Nomads in Croatia
IMG Global Medical
IMG Global Medical Insurance offers comprehensive long-term coverage for digital nomads, with flexible worldwide protection and optional U.S. coverage. Customize your plan with add-ons like preventive and maternity care for total peace of mind wherever you go.
- Coinsurance: In-network: After deductible, plan pays 100%, Out-of-network: After deductible, pays 80% up to $5,000, then 100% up to the max limit
- Direct Billing: United health care ppo or First healthcare (in inside USA)
- Urgent care: Included
- Pre-existing Conditions: Bronze – Not covered; Silver/Gold – Covered if disclosed and not excluded (unknown: $5K/period, $50K/lifetime after 24 months); Platinum – Covered if disclosed and not excluded with higher limits
- Emergency medical evacuation: Up to lifetime maximum
- Repatriation of remains: Up to $50,000 maximum
Policy maximum?
Bronze: $1,000,000 | Silver: $5,000,000 | Gold: $5,000,000 | Platinum: $8,000,000Deductible option?
$100 to $25,000Period of coverage?
Lifetime
Worldwide Premier
Worldwide PremierThe BCBS Global Solutions Worldwide Premier Plan is a year-long travel medical insurance made for people who travel frequently outside their home country. Instead of buying a new policy every time you travel, you buy this once a year and you’re covered for unlimited trips during that year.
- Pre-existing conditions: Immediate coverage of pre-existing conditions with proof of previous coverage.
- Emergency medical evacuation: Up to $250,000.
- Repatriation of remains: Up to $25,000 maximum.
- Accidental Death & Dismemberment: Up to $50,000
- Emergency Medical Transportation: Up to $250,000
- 24/7 customer service and support available.
Policy maximum?
Unlimited annual and lifetime maximumDeductible option?
$0, $1,000, $2,000, $5,000, $10,000Period of coverage?
Lifetime
💸 What Is the Cheapest Digital Nomad Insurance for Croatia?
The Cheapest digital nomad insurance for Croatia is Atlas International from WorldTrips. The other affordable Croatia travel insurance for digital nomads are Patriot International Lite from IMG and Travel Medical Global Basic from Seven Corners.
- Available for Non US citizens and US citizens traveling outside their home country.
- Emergency medical evacuation covers up to $1,000,000.
- Covers acute onset of a pre-existing condition up to 79 years.
- Available for both Non US citizens and US citizens traveling outside USA.
- Emergency medical evacuation covers up to $1,000,000.
- Covers acute onset of a pre-existing condition up to 70 years.
Travel Medical Global Basic
Seven Corners
$56 per monthAge: 40 years | Plan: $50,000 | Deductible: $250
- Available for Non US residents traveling to worldwide trips that exclude the USA.
- Emergency medical evacuation covers up to $250,000.
- Covers acute onset of a pre-existing condition up to 79 years.
💰 How Much Does Digital Nomad Health Insurance Cost in Croatia?
Short-term travel medical insurance for digital nomads starts at just $39 per month. The cost may vary depending on the traveler's age, trip duration, selected policy maximum, and deductible. These plans are ideal for digital nomads taking shorter trips or staying abroad for limited periods. Short-term coverage typically offers essential medical benefits at affordable rates, with policy maximums ranging from $50,000 to $2 million.
| Plan name | Policy Maximum | Cost for 30 yrs* | Cost for 40 yrs* | Cost for 50 yrs* |
|---|---|---|---|---|
| Atlas International | $50,000 | $39 | $68 | $116 |
| Patriot International Lite | $50,000 | $41 | $69 | $118 |
| Atlas Nomads | $250,000 | $57 | $93 | $147 |
| Patriot Platinum International | $2,000,000 | $87 | $145 | $246 |
*Based on ages of digital nomads, with a $0 deductible.
Long-term travel medical insurance for digital nomads starts at around $1,500 per year. The cost may vary based on the traveler's age, length of coverage, policy maximum, and deductible. These plans are ideal for digital nomads living abroad for extended periods or frequently relocating across countries. Long-term insurance typically offers broader medical coverage, higher policy limits (up to $10 million), and enhanced global support services.
| Plan name | Policy Maximum | Deductible | Cost of 30 yrs# | Cost of 40 yrs# | Cost of 50 yrs# |
|---|---|---|---|---|---|
| Worldwide Premier | $10,000,000 | $0 | $870 | $1,099 | $1,774 |
| Global Medical Bronze | $1,000,000 | $250 | $1,523 | $1,827 | $1,921 |
| Global Medical Gold | $5,000,000 | $250 | $3,576 | $4,116 | $7,404 |
#Based on ages of digital nomads.
📋 What Are the Requirements for Remote Work in Croatia?
Croatia provides a Digital Nomad Residence Permit for remote workers who are not residents of the EU. It entitles living in Croatia for a period of one year as one does online work for clients or companies outside Croatia.
General conditions are:
- Valid passport: Should be valid during your stay.
- Visa category: Croatia Digital Nomad Visa / Residence Permit.
- Evidence of remote employment: Documents evidencing remote work or freelance agreements outside Croatia.
- Health insurance: Required must be Croatian and EU standard-compliant.
- Evidence of housing: Rental or property evidence in Croatia.
- Professional evidence: Work agreements, portfolios, or evidence of self-employment.
- Clean criminal record: Required for approval.
🛡️ What Does Digital Nomad Insurance Cover?
A digital nomad insurance plan for Croatia typically includes:
- Emergency medical treatment and hospitalization.
- Doctor visits and outpatient care.
- Medical evacuation or repatriation.
- Lost baggage or personal belongings.
- Optional dental and maternity coverage.
- Optional coverage for sports or adventure activities.
⏳ Long-Term Health Coverage for Digital Nomads in Croatia
For visitors who will be staying more than a few months, expat or international health insurance is advised. These policies provide more comprehensive protection, including preventive care, management of chronic conditions, and mental health services, and they remain in effect even if you leave Croatia.
❓ Travel Health Insurance for Digital Nomads in Croatia FAQs
🩺 Do You Require Health Insurance for a Croatia Digital Nomad Visa?
Yes, you'll be required to provide valid health insurance with your application for the Croatia Digital Nomad Visa. Your insurance should not lapse during your stay.
🛡️ Can You Purchase Insurance Once You're in Croatia?
Yes, but it's highly recommended that you have a pre-approved insurance policy prior to filing your visa application, as evidence of coverage is needed to approve your visa.
🧳 Can Travel Insurance Be Used as Digital Nomad Insurance in Croatia?
Yes, provided it covers hospitalization, emergency evacuation, and repatriation for the entire visa duration. Travel insurance is usually for short-term trips, though, so an international digital nomad insurance policy is better.
⏳ How Long Should Your Insurance Coverage Last?
Your health cover must run the full length of your stay in Croatia usually 12 months for the Digital Nomad Visa. If you intend to renew or reapply, ensure your policy is renewable.
💰 Is Digital Nomad Insurance Expensive in Croatia?
The cost of digital nomad insurance in Croatia depends on factors such as your age, coverage level, and length of stay. However, Croatia is known for its relatively moderate cost of living, and many global insurers provide affordable international plans designed for remote workers. At American Visitor Insurance, digital nomads can easily compare and find the best digital nomad insurance to suit their needs in Croatia. These plans offer an ideal balance between comprehensive coverage and affordability, making them a perfect choice for digital nomads living or working in Croatia.
