Getting sick can really wreck your Croatian trip--especially if you have to hassle with bills. Medical insurance for your holiday can pay off by bringing greater peace of mind.

If you're a citizen of the EU, the European Health Insurance Card covers you for most emergency medical care but it will not cover you for emergency repatriation.

Citizens of other countries with national health insurance should contact their embassy to find out if there is a reciprocal agreement between their country and Croatia for free emergency medical care;

American citizens should be aware that Medicare and most private health insurance plans do not cover any medical care in Croatia.

If you are injured in an automobile accident, you may be covered through extra Personal Accident/Injury (PAI) insurance. Holders of premium credit cards may also be entitled to limited emergency medical coverage. Get the agreement and read it carefully.

The best travel health insurance policy covers for you all worst case scenarios such as an accident requiring an emergency flight home (emergency repatriation). Even better is a plan that makes payments directly to providers overseas rather than one that reimburses you later for overseas health expenditures.

If you have any health issues whatsoever, you should certainly consider a travel insurance policy that covers medical expenses.

If you think you may need insurance, there are several great alternatives. Insure My Trip lets you compare policies from 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!