We believe that comprehensive trip insurance is especially valuable if you're booking a very expensive or complicated trip (particularly to an isolated region) or if you're booking far in advance. Comprehensive travel policies typically cover trip cancellation and interruption, letting you cancel or cut your trip short because of a personal emergency, illness, or, in some cases, acts of terrorism in your destination. Such policies also cover evacuation and medical care. Some also cover you for trip delays because of bad weather or mechanical problems as well as for lost or delayed baggage. Another type of coverage to look for is financial default—that is, when your trip is disrupted because a tour operator, airline, or cruise line goes out of business. Generally you must buy this when you book your trip or shortly thereafter, and it's available to you only if your operator isn't on a list of excluded companies.
When making your choice, consider what you’re already covered for back home. You might have some auto insurance through your credit card or regular car insurance. Credit cards also occasionally provide a level of emergency medical coverage. Similarly, your homeowner’s insurance may cover your belongings overseas. When it comes to health care, EU citizens are covered for emergency health treatment in Croatia. For non-Europeans, Medicare and most private health insurance plans don’t cover you in Croatia; check if there is a reciprocal agreement between your country and Croatia for emergency medical care.
Consider buying medical-only coverage at the very least. EU citizens are covered for emergency health care in Croatia, but neither Medicare nor some private insurers cover medical expenses abroad; check if there is a reciprocal agreement between your country and Croatia. Medical-only policies typically reimburse you for medical care (excluding that related to preexisting conditions) and hospitalization abroad, and provide for evacuation. However, you still have to pay the bills and await reimbursement from the insurer.