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Should you purchase additional insurance for your trip
to Croatia? I never gave it too much thought until last year when I
booked passage on the Ancona
Zadar ferry to begin a tight research trip. My partner and I arrived
in Ancona in the middle of a fierce rainstorm. No surprise: the evening
boat was cancelled. Tired and soggy, we had to cancel the Croatian hotel
and book one in Ancona. The following morning there was only a boat
to Split scheduled so we
took that and drove down the Croatian coast to our destination.
Fortunately
it was off-season so the Croatian hotel was nice enough not to charge
us for the delayed reservation but it easily could have been otherwise.
I wondered what would have happened if we had non-refundable
reservations or if we had missed a flight because
of the delayed boat. We could have gotten stuck
with quite a bill! So I started thinking about insurance. Basically,
there are four varieties of travel insurance to consider:
Auto Insurance
Medical Insurance
Trip Cancellation
Insurance
Baggage Insurance
In order to assess your insurance needs
(if any) ask yourself the following:
- What does my credit card cover?
Some credit cards, especially the premium or "gold" kind
provide collision damage waiver (CDW)--if you rent a car using that
card. The credit card may cover emergency medical evacuation and
repatriation of remains.
- What does my homeowner's insurance cover?
Your homeowner's insurance policy may cover you for any stolen belongings
on your trip to Croatia. It could be worthwhile to check, especially
if you're travelling with a laptop or other expensive device.
- What does my auto insurance policy cover?
Your auto insurance policy at home might provide limited overseas
coverage. It's worthwhile to check.
- What does my health plan cover?
USA residents need to check their private health plans carefully.
Neither Medicare nor most private health plans cover medical expenses
overseas. EU residents are covered through "reciprocal care"
agreements between Croatia and EU countries.
 If
you think you may need insurance, there are several great alternatives.
Insure
My Trip lets you compare policies from a 18 major
insurance providers to find the best insurance for your needs. Click
here for a free quote
 Travel
Guard is the industry leader in providing
travel insurance. The company covers over 6 million travellers worldwide
each year offering coverage for vacation and trip cancellation, travel
interruptions and delays, emergency medical and health expenses, lost
baggage and more. You can now get a refund if you must cancel
your vacation for work and the Worldwide
Health Plan covers pre-existing conditions,
hospital room & board, trip interruption and more. Click
here for a free quote!
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