BalkanTourGuide

Balkan travel insurance

One subscription. Every Balkan country. From €1.50/day. We tested half a dozen providers across two years of Balkan travel — SafetyWing is what we kept renewing.

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Why you need it for the Balkans

Serbia, Bosnia, Montenegro, Albania, North Macedonia and Kosovo are outside the EU. Your EHIC card does nothing here. Hospital care is good but private — a broken wrist runs €400–€1,200 out of pocket. A road accident with an air ambulance to Vienna or Belgrade easily clears €10,000.

What SafetyWing covers

  • Emergency medical
    Up to $250,000 per claim
  • Emergency evacuation
    Up to $100,000
  • Trip interruption
    Up to $5,000
  • Lost luggage
    Up to $3,000
  • COVID-19
    Covered as any other illness
  • Schengen visa compliant
    Accepted for visa applications
From €1.50/day

No deposit, no commitment, cancel anytime. Subscription auto-renews every 4 weeks until you tell it to stop.

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Balkan travel insurance — FAQ

Do I need travel insurance for the Balkans?+

Yes. Most Balkan countries (Serbia, Bosnia, Montenegro, Albania, North Macedonia, Kosovo) are outside the EU, so your EHIC card does not cover you. A €60 doctor visit becomes €600 without insurance.

Which travel insurance is best for the Balkans?+

SafetyWing Nomad Insurance is the best value — €1.50/day, no end date, covers medical, evacuation, trip delay and lost luggage across every Balkan country plus Schengen.

Is SafetyWing valid in Schengen?+

Yes — the Nomad Insurance plan is Schengen-visa compliant, which matters if you're combining Croatia / Slovenia / Greece with non-EU stops.

Can I buy travel insurance after I've already left home?+

Yes with SafetyWing — most plans don't require you to be in your home country at purchase.

Does SafetyWing cover COVID, ski accidents, and high-altitude hiking?+

COVID is covered as any other illness. Adventure sports are covered up to defined thresholds — check the plan details before high-altitude hikes (Theth–Valbona is fine, technical climbing isn't).