sail croatia travel insurance

7 Best Croatia Travel Insurance Plans for US Citizens in 2024

Updated on January 10, 2024 by Matthew H. Nash – Licensed Insurance Agent

• SwiftScore Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to Croatia travelers. Learn more at the end of this page.

STARTING PRICE FOR 2-WEEK TRIP TO THE CROATIA

CAN YOU CANCEL YOUR TRIP FOR ANY REASON? 

BEST  WEBSITE FOR

Comparing Policies

• Compare dozens of the best Croatia travel insurance policies from all the major providers in one place
• Easily filter for the features you want and get support from their award-winning customer service team
• Founded in 2013, TravelInsurance.com has helped hundreds of thousands of travelers find affordable insurance coverage

• SwiftScore Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to travelers. Learn more at the end of this page.

BEST POLICY FOR

Travelers Aged 55+

• Pre-existing medical conditions are covered for a reasonable fee and they offer “cancel for any reason” as an add-on
• $2,000 COVID quarantine coverage available w/ Safe Travels Voyager plan
• Founded in 1998 and underwritten by Nationwide and GBG Insurance

BEST WEBSITE FOR

Filtering Plans

• This comparison website has the most comprehensive filters especially for Covid-19 which helps you search for the specific benefits you need
• They have “Zero Complaint Guarantee” which promises a fair claims process
• Established in 2003, Squaremouth has consistently been recognized for it’s exceptional customer service

BEST POLICY FROM

An Established Brand

• Well rounded, inexpensive travel insurance plans from an established and top rated global insurance company
• AXA has plans that cover pre-existing conditions and their “Platinum” plan covers “cancel for any reason” with an optional add-on. They also offer helpful 24/7 Worldwide Travel Assistance Services
• Founded in 1959 and underwritten by Nationwide

Adventure Travel

• Covers almost all adventure activities for a reasonable price for U.S. residents up to age 70 (worldwide up to age 65)
• Can insure up to 9 people in one family and the signup process is super easy
• Founded in 2002 and underwritten for U.S. travelers by Nationwide Insurance

Family Travel

• Their “Trip Interruption for any Reason” feature allows you to get a 75% reimbursement for any additional expenses if you decide to go home early from your trip
• They have a variety of insurance products to suit any travel needs
• Founded in 1993 and underwritten by Nationwide Insurance

Long-term Travel

• Ideal for digital nomads and long-term travel, available to anyone anywhere
• Scored lower because short-term travel coverage isn’t as robust as competitors
• Founded in 2018 and is underwritten by Lloyds of London

CAN YOU CANCEL YOUR TRIP FOR ANY REASON?

• Compare dozens of travel insurance policies from all the major providers in one place

Croatia travel insurance FAQs

What is the top croatia travel insurance company.

With 22 trusted travel insurance providers to choose from, there’s no one-size-fits-all best option. You can use a comparison website to find the travel plan that best suits your needs. I recommend TravelInsurance.com since their listings only include policies from the most reputable companies in the industry. They also have user-friendly filter features and offer world-class support.

Will my US medical insurance policy cover my bills if I’m hospitalized in Croatia?

Most US medical insurance policies do not cover any medical bills you may incur in Croatia or any other foreign country. Some of the most costly plans may offer partial coverage, but Medicare provides none. However, a Croatia travel insurance plan will include medical and emergency evacuation coverage. Just be sure to purchase a policy as soon as you book your trip so that you can make the most of your pre-departure benefits.

How can I get the cheapest Croatia travel insurance?

The best thing you can do is use a comparison site, employ all the necessary filters, and see which plans meet your criteria. Then, you can sort your search results by price from lowest to highest. I suggest using TravelInsurance.com since they list policies from only the top travel insurance providers.

How do I go about filing a travel insurance claim?

Most travel insurance providers will have an online portal that you can access via their websites. You will likely see a link at the bottom of your provider’s website that says “Claims” or “File a Claim.” Many will still have a paper claim option that you send in by mail.

How long will it take for my travel insurance company to process a claim?

To ensure the speediest processing times, submit all the relevant documentation with your claim and follow appropriate procedures. Once you submit your claim, your provider should process reimbursements within 6 and 8 weeks.

What should I do if my travel insurance claim gets rejected?

If your insurer rejects your claim, they will advise you as to any recourse you may have. Remember that claims can be rejected for several reasons, including not following filing procedures, your claim not falling under your policy’s coverage or total trip costs not being accurately stated when the claim was purchased.

What are trip delay expenses?

Trip delay benefits extend to expenses, such as hotels/accommodation, meals, internet access, and local ground transportation. Your policy will state a daily maximum per insured traveler for these benefits and can be reimbursed up to your policy’s limit.

Will my insurer compensate me for a 2-hour flight delay?

Some travel insurance companies have a minimum 3-hour flight delay before you become eligible for trip delay benefits. Others may require a 6-12 hour delay before your benefits kick in. Also, the delays must be covered for reasons such as inclement weather, aircraft maintenance, and air traffic issues. Details will vary from one policy and provider to another, so be sure that you understand a policy’s benefits clearly before purchasing it.

Most common problems while traveling in Croatia and how to avoid them:

As with the rest of Southern Europe, you don’t have to worry about coming down with exotic illnesses like malaria or dengue fever while in Croatia. Instead, your biggest concern will be avoiding sunstroke (aka heatstroke). Summers in Croatia are stunning, especially if you venture out to some of the islands along the Dalmatian Coast, but temperatures can get well into the 90s. Therefore, it’s a good idea to avoid the sun during the mid-afternoon hours when the sun’s heat is at its peak and keep yourself hydrated. Should you start to experience unusual sweating, delirium or disorientation, headaches, an increased heart rate, nausea, vomiting, etc. or a combination of some or all of these symptoms, seek medical treatment immediately, as sunstroke can be fatal.

When it comes to accidents, there’s nothing out of the norm tourists might experience in Croatia that they wouldn’t back in the United States. Simple things like tripping and falling are the most common reasons for injuries, leading to twisted or broken wrists and ankles as well as cuts and scrapes. Of course, if you decide to participate in adventure sports and activities, your risk of having an accident may increase. You can minimize that risk by only booking excursions with tour operators with solid reputations and spotless safety records.

While muggings are a rarity in Croatia, pickpocketing often happens at outdoor markets and other highly crowded areas, particularly those frequented by tourists, including beaches. You should be fine if you keep your valuables close to your body in a money belt or a body purse or carry your backpack on your chest whenever you’re in such places. Exercising basic street smarts goes a long way, especially in a safe country like Croatia.

Emergency resources for Croatia

Phone numbers.

As in the rest of Europe, dial 112 to reach general emergency services. If you prefer to directly connect with a particular service, dial 192 for the police, 193 for the fire department, 194 for emergency medical services, and 195 for sea rescues. Additionally, emergency roadside services (HAK) are available at 1987. You can dial these numbers free from any phone, including public pay phones.

US embassy or consulate details

You can find the US Embassy in Croatia’s capital Zagreb. Visit the official website for the Embassy’s address, phone number, opening hours, and information on citizen services. Travelers who want to be extra cautious when they travel register their Croatia trip itineraries with the State Department’s Smart Traveler Enrollment Program . Once you list your trip with STEP, the State Department will send you travel alerts related to Croatia. Doing so will also make it easier for the Embassy to relay important information to you or your loved ones in an emergency.

Other local knowledge that is helpful for travelers

Communication.

You have several options if you need to stay connected with friends and family back home while you’re in Croatia. The first, and the cheapest, is to keep your phone on airplane mode and connect to the internet using WiFi. Since free WiFi is widely available throughout the country, including in hotels, restaurants, cafes, bars, and town and city squares, you can regularly get online to use messaging and calling apps or research the best restaurants and sites to visit. This website lists many of Croatia’s free WiFi hotspots. A second option is to get a local SIM card upon your arrival in Croatia. This will be the best choice for those who need to be connected 24/7 for work or personal reasons and plan to use a significant amount of data. You can buy a regular prepaid SIM that includes calls, SMS (texts), and data or only data. Major mobile carriers in Croatia include A-1, T-Mobile, Airalo, and Telemach, and they have retail shops nationwide. To use a Croatian SIM card, you must ensure your phone is unlocked before you leave the United States. To do this, contact your mobile phone service carrier, and they can help you. The third and most expensive option is to add an international roaming package to your US mobile phone plan that covers Croatia. Most mobile carriers will have roaming packages covering the entire European Union, including Croatia. If you prefer this route, know that these packages usually provide very little data coverage. To prevent yourself from ringing up an astonishingly expensive phone bill, turn off the background data for most of your apps and keep your phone on airplane mode whenever you don’t need to use it.

Croatia is a member of the eurozone area, which means they use the euro (€). The euro notes come in denominations of €200, €100, €50, €20, €10, and €5. The coins include €2, €1, 50 cents, 20 cents, 10 cents, 5 cents, 2 cents, and 1 cent. You do not need to bring euros with you. Instead, you will get a better exchange rate if you wait until you arrive in Croatia. You will get the best exchange rates, even with bank fees included, by using local ATMs and not swapping US dollars at currency exchange businesses. Remember to notify your US bank of your travel plans and dates so you can use your card abroad without getting flagged as fraudulent. When you pay by credit or debit card, you may be asked whether you want to pay in US dollars or euros. This is known as DCC (dynamic currency conversion) and is presented as a “service.” Always choose the local currency, which, in this case, is euros. If you select any currency other than the local one, you’ll be charged a fee to see your total in US dollars. And you won’t know that you’ve been charged a fee because it will be included in the dollar amount the card processing machine shows you. While many businesses, large hotels and supermarkets, national parks, toll booths, and public transport accept credit and debit cards, most small businesses, especially outside Zagreb (the capital), accept only cash. Therefore, should you travel to more remote areas of the country or the smaller, lesser-known islands, be sure to bring plenty of cash.

Getting Around

Croatia is very easy to get around. All parts of the country are well-linked through a dynamic bus, train, and ferry network. Domestic flights are also an option. While a rental car may give you the most freedom, it will also come with the hassle of finding parking, which can be a significant challenge during the busy months of July and October. Croatian buses are clean and inexpensive, and bus stations are almost always centrally located in towns and cities. The only exception is Dubrovnik’s, approximately 3 miles from the old town. However, you can always hop on a local bus or hire one of the taxis waiting nearby to take you into town. Several bus companies operate along the same routes, including Čazmatrans , Arriva , and FlixBus . In larger towns or cities, you need to purchase your tickets at the station in larger towns and cities. In small towns, you can buy them onboard directly from the driver. If you check any bags into the under-bus storage, you’ll need to pay a small fee, typically no more than €2 per bag. Always have your passport ready, as some routes may cross over into Bosnian territory to shorten the trip. The islands off Croatia’s Adriatic coast are easily accessible year-round by two different types of boats: ferries and catamarans. The latter refers to passenger boats, including fast boats, and the former carry cars and passengers. You will find plenty of seating onboard, both inside and on deck. Larger ferries usually have food and drink concessions, but bringing some drinks and snacks never hurts. While Jadrolinija operates most of the boat services and offers online booking, arriving early at the port is best to guarantee you snag a seat on the boat at your preferred time. Main ports include Dubrovnik, Split, Zadar, Rijeka and Šibenik. Even though train service is much more limited in Croatia than in other European countries, it’s a good option for exploring the interior parts of the country or traveling to other European countries such as Slovenia, Serbia, and Austria. You can also catch quick domestic flights from Zagreb to Dubrovnik and Pula via Croatia Airlines . Renting a car will give you more freedom in terms of time and squeezing in several destinations in a short period of time. You can usually get the cheapest rates via local car rental companies, but international companies may offer you more flexibility. Note that most cars come with standard transmissions (stick), so you’ll likely pay more if you need an automatic. You will need your US driver’s license and an International Driver’s Permit to get through AAA in the States before leaving home to rent a car. If you don’t have a AAA office near you and need to apply for your permit via mail, be sure to allow from 3-6 weeks. If you apply in person, you can get it within 30 minutes to an hour.

Croats tend to be bilingual or trilingual, all speaking Croatian plus either English, Italian, or German. Croatian, also known as Hvratski, is a South Slavic language. The good news is that Croatian is also spoken in Slovenia and Bosnia and Herzegovina should your travels take you to these neighboring countries. Even though you can get around this stunning Adriatic country only speaking English, Croats will appreciate it if you take the initiative to learn a few words and phrases.

• good day – dobar dan (doh-bar-dahn)
• hello – bok (bohk)
• goodbye – dovinđenja (doh-vee-jen-yah)
• please – molim (moh-leem)
• thank you –hvala (hvah-lah)
• excuse me – oprostite (o-proh-stee-teh)
• sorry – žao mi je (zha-oh-me-yeh)
• yes – da (dah)
• no – ne (nay)

Local Customs & Etiquette

A significant contrast between Croatian and American cultures is that in Croatia, people are less relaxed about their appearances than in the US. Croatians generally only go out of the house after getting well dressed and coiffed (makeup included), even to run the briefest of errands. Therefore, if you want to blend in, dress in presentable, modest clothes, avoiding sweatpants or extra short skirts or shorts. Croatian men seem to have an affinity for tracksuits, but you won’t see local women in them. More important, though, is to adhere to the Croatian dress code for sacred sites and churches. Make sure your skirt or shorts are at least knee-length and that your shoulders are covered. If you find yourself walking beyond the beach, put on a shirt and shorts or a skirt at the very least. Many places throughout Croatia are passing laws that ban walking in public without them, including the famous island of Hvar. Another thing to remember is that it’s pretty normal to find nude beaches throughout Croatia. Such beaches will have a sign that reads FKK, German for Frei Körper Kultur, or “free body culture” in English. That said, you will find that many Croatian women go topless, regardless of the beach they’re at. Don’t be surprised if you see a lot of PDA (public displays of affection). Couples in Croatia tend to be quite open and expressive about their feelings and affection, probably more than we’re used to in the US. That said, you won’t likely see Croatians doing anything obscene or too risqué. If you befriend a Croatian and they invite you to their home, remember to bring along a small gift, such as chocolate, wine or flowers (only an amount, though, as even numbers of flowers signify a death). Also, be aware that removing your shoes is customary upon entering. This is to avoid tracking outside dirt into the home. Your host will likely offer a pair of slippers they reserve for guests. Should you dine out with Croatians during your trip, there are a few things to keep in mind. Firstly, always wait to see if your local hosts say a prayer before eating. Croatia is a predominantly Catholic country and giving thanks for the food or making a cross symbol across the chest and head with one’s hands is not atypical. Secondly, remember to keep your hands above the table (visible), as keeping them in your lap is rudedly, only order what you can eat. Croatians are highly averse to wasting food, but doggy bags aren’t as common as in the States. Finally, should your Croatian friends insist on picking up the check, allow them pleasure. It means they want to and are not just making an empty offer to appear polite.

Like in much of Europe, bathrooms, or “toilets,” as Croatians call them, are few and far between, even in larger cities like Zagreb. Bus, train, and petrol (gas) stations usually have public toilets. However, don’t be surprised if they are staffed with bathroom attendants and you must pay €0.50 or €1 to use them. Your best bet is to use the bathroom whenever you stop in a cafe or restaurant for a drink or a meal.

Like in the US, service workers and those in tourism generally have very low wages, and tips are a vital source of income for them. While tipping may not be as common in Croatia as it is in the States, it is becoming more of a common practice. If you have received good service in a restaurant, consider leaving a 10-15% tip. And if you stop in a café for something to drink, leaving €0.50 or the remaining change from your bill is acceptable. For example, if your bill is €2.30, you can leave the €0.70 change for the server. For food delivery drivers, consider tipping €1.50 for every €10 of the food you ordered. In hotels, tipping porters €1-2 per bag and housekeepers €1-2 per night is standard. If your hotel concierge has gone out of their way to assist you in some way, a tip of €2-3 would be an excellent way to show your appreciation. Should you explore Croatia by cruise ship, tipping the staff €3-5 per day is adequate. If you decide to take a day sail or a boat trip, tip 10-15% of the total cost of the excursion. You may also want to tip spa and salon staff, taxi drivers, and tour guides. For tour guides, it depends on whether it is a paid or free tour. For free tours, the recommended tip is €10-15 per person if it is 2 hours or less. For any tour longer than that, increase the tip at your discretion. With paid tours, tip 10-20% of each person’s tour cost. If you have a driver during that tour, feel free to tip €3-5, depending on the length of the excursion. Just ensure that the driver’s tip is not higher than your guide’s. Spa and salon staff usually get tipped approximately 10-15% of a customer’s final bill. Most Croatians tip taxi drivers by rounding up the total. Therefore, if your fare is €8.40, you can give them €10 and tell them to keep the change. If they help you with your luggage, you can always tip more. Ultimately, these are all just suggestions. Tip only what you feel is appropriate for the service you receive, and if you wish to tip more than the amounts listed above, feel free to do so. It will be met with great appreciation.

What to pack for Croatia

Apart from Travel Insurance, we recommend you bring the following items for maximum health, safety, and enjoyment of your trip to Croatia.

A final note about travel insurance for the Croatia

I have spent dozens of hours researching travel insurance, including getting quotes and comparing coverage from all the most popular brands. Regardless of where you’re going I am confident that you will also find that TravelInsurance.com offers the best way to compare policies with the ideal combo of coverage and price.

I wish you and yours an incredible journey.

SwiftScore Ranking Methodology

• Average price for a 2-week vacation based on a 35-year-old California resident traveling to the Croatia with a $3,500 trip cost
• Coronavirus coverage
• Cancel for any reason (CFAR)
• AM Best rating of the underwriter
• Key policy details including cancellation, interruption, emergency medical evacuation, and baggage & personal effects
• Ease of sign up
• Policy language clarity
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Somto Seeks

Navigate the world with confidence

The Ultimate Guide To Sailing in Croatia: Everything You Need To Know

January 26, 2023 By Somto Ugwueze Leave a Comment

Croatia is a year-round sailing destination, but the best time to sail is from May to October when the weather is warm, and the sea is calm. July and August are the busiest months when boat operators are most active. Yacht Week is a famous summer festival organized by a company called The Yacht Week that happens in six different locations across the Mediterranean and the Caribbean, with Croatia being the original route. Yacht week in Croatia typically happens from May to August, with July being the peak month. The week’s festivities include sailing, partying, and mingling with new friends. 

Here is a breakdown of the seasons in Croatia and how that affects sailing in the country:

Spring (March to May):

Summer is the peak tourist season in Croatia, with warm temperatures and long, sunny days. The temperatures range from 77-86°F, and the sea temperature is warm and inviting. This is the best time for swimming, sunbathing, and enjoying water sports. However, the crowds can be overwhelming, and prices tend to be higher than in the other seasons.

Fall (September to November):

Croatia has over 1,000 islands, so you have quite many routes to choose from. There are two main sailing routes: north and south. For instance, you can start in Split and return to Split or start in Dubrovnik and return to Dubrovnik. The sailing route I took started and ended in Split. Tour companies normally take you sailing down the Dalmatian Coast in Southern Croatia and up the Istrian Coast in Northern Croatia.

Dalmatian Coast (Southern Croatia)

You can rent a sailboat, catamaran, or motorboat from one of the many charter companies in Croatia. During my sailing adventure in Croatia, I went with a sailboat company called Katarina, which had the most incredible staff and delicious food. Because I booked my trip through Girls Love Travel, I didn’t have actually to book the sailboat. I just had to show up and enjoy the journey. That’s why I recommend booking your Croatian adventure through Girls Love Travel or another tour operator, so they can take care of the boat chartering for you. If you do choose to charter a boat on your own, here is a breakdown of the popular charter companies in Croatia that you can choose from.

Katarina Line

Based in Split, Marinero Sailing is run by a group of passionate sailors traversing the Croatian coast for pleasure and work. They offer organized daily trips with a sailing boat to experience the best Dalmatia offers. They have skippers with years of experience that will make you feel safe and relaxed.

Sail Croatia

Skipper City offers bareboat, crewed, and skippered yacht charters across Croatia with access to 6,000 vessels. Among these is every type of boat you care to imagine, from catamarans and traditional wooden gullets to sailboats, motorboats, and state-of-the-art superyachts.

Sailo 

Before setting sail, make sure to stock up on provisions, including food, water, and fuel. You can find grocery stores and marinas along the coast, but bringing everything you need from the mainland is best.

If you plan to sail in Croatia, it’s important to pack wisely and bring the right gear and clothing for the trip. Here are some essential items to pack:

Sun Protection: Croatia can get very sunny, especially during summer. Make sure to pack sunscreen with a high SPF, sunglasses, a hat, and a lightweight long-sleeved shirt to protect your skin from the sun.

Swimsuit: Bring at least two swimsuits, as you’ll spend much time in the water. A rash guard can also be helpful for water sports or sun protection.

Lightweight Clothing: Pack comfortable and lightweight clothing, such as shorts, t-shirts, and sundresses. Also, bring a few long-sleeved shirts or a light sweater for cooler evenings or windy days.

Deck Shoes: Non-slip deck shoes are a must for sailing. They should be comfortable and provide a good grip to avoid slipping on a wet deck.

Waterproof Bag: Bring a waterproof bag to dry your belongings on board. A dry bag protects your phone, camera, and other electronics.

Insect Repellent: Mosquitoes can be a problem in some areas of Croatia, especially in the evenings. Pack insect repellent to avoid bites and irritation.

First Aid Kit: A basic first aid kit can be useful for minor injuries, such as cuts and bruises.

Snorkeling Gear: If you plan to snorkel, bring your mask and snorkel. Some boats provide equipment, but it’s always better to have your own for hygiene and comfort.

Travel Documents: Don’t forget to bring your passport or ID, boat rental documents, and any necessary visas or travel insurance.

Cash and Credit Card: Bring enough cash and a credit card to cover expenses, such as food, drinks, and any activities or excursions.

Pack only the essentials, as you’ll be on a boat, and space may be limited. Make sure to check the weather forecast before packing and adjust your clothing accordingly.

What to expect onboard a sailboat?

As I mentioned at the beginning, living on a sailboat is an adventure in itself. It takes a little adapting initially if you’ve never spent much time at sea like me. That said, you’ll quickly get used to sleeping, eating, and socializing on the boat, and you may actually miss it a little when it’s time to get back on land. Here’s what you can expect during a typical day living on a Croatia sailboat.

Morning 

You wake up in your bunk bed in your small quarters. You’ll likely share a room if you opt for a standard sailboat. Other luxury sailboats offer bigger space and single rooms. My experience was sharing a bunk bed with my sister. I slept at the top bunk, climbing up and down each day without the help of ladders. That was the case for the Katarina Line sailboat that I was on. I can’t say it would be the same for other sailboat companies. 

Breakfast is served starting at around 8 am every morning. You can choose from an assortment of meats like ham and fruit like apples and pears. Cereal, bread, butter, and jam are staples for every breakfast, but the main course changes daily. 

By the afternoon, the sailboat will dock at the harbors of an island or port city. It may also anchor in the Adriatic Sea while you and your sailing mates take a small boat to your next destination for a day of exploration.

You may have lunch on the sailboat before departing for your next destination or have lunch at the destination.

Another scenario during the afternoon, especially the early afternoon, could be lounging on the main deck while sunbathing or reading. With the sunny skies and beautiful scenery, you’ll want to spend as much time as possible on the main deck. Even better, you could have a flotilla party, which Croatia is famous for. This means the boat will anchor at sea while you and your buddies jump into the sea and sit on floaties while enjoying drinks and listening to music. I had a flotilla party experience during my sailing adventure in Croatia, and it was one of the trip’s highlights. Even though I couldn’t swim, I had so much fun!

Evening 

You’ll return to the boat by the evening after a day of exploration. You may have dinner on the boat if you didn’t already eat at your destination. Depending on where you dock, evenings on the boat can be lively or quiet. For instance, when we docked on the party island of Hvar, there was music blasting everywhere at the harbor. On the other hand, when we docked at the Mljet harbor, it was relatively peaceful.

Evenings on the boat are a lot of fun. The bar in the dining room opens, and people are ready to have a good time. On the Katarina Line, we had a chef who doubled as a DJ, playing top 40 songs while we danced well into the night. You can also play card games, drink games, or do whatever activities you like in the evenings. Just be sure to go to bed early enough to get some sleep if you have an early morning departure to your next destination.

Explore the islands:

Croatia has some of the most beautiful islands in the world, and sailing is the best way to explore them. Make sure to stop at some of the popular islands like Brač, Hvar, and Korčula. During my next sailing adventure in Croatia, I plan to also take the time to explore some of the lesser-known islands, especially in the north. The Dalmatian Coast may be stunning, but I’m curious to see what the northern islands look like. 

Suggested 7-Day Sailing Itinerary 

This is the seven-day sailing itinerary I embarked on during my sailing adventure with Girls Love Travel. It’s the perfect itinerary for exploring the Dalmatian Coast for the first time. If you go sailing with a tour company, your trip will likely cover most or all of these destinations. 

Kick off your sailing adventure in the port city of Split, where you can explore the 4th-century Diocletian’s Palace. This palace is the oldest continuously-inhabited Roman residence in the world. This UNESCO World Heritage site has uniquely merged with the Old Town of Split, blending in with restaurants, cafes, museums, and old residential quarters. Take a guided tour of Diocletian’s Palace to appreciate the structure’s history and significance better. If you have more time to spare, check out my 3-day Split itinerary for a full breakdown of all the amazing things to do in this port city. 

I like to say that Hvar is to Croatia what Ibiza is to Spain. This party island is known as a haven for young and rich 20-somethings. It is where people come to celebrate in Croatia; think yacht parties and upscale beach clubs. Even if partying isn’t your thing, there’s still quite a lot to do here, like exploring the Spanish Fortress or eating the best black risotto of your life. 

Mljet 

Mljet (pronounced Mill-yet) isn’t exactly a secret for Europeans visiting Croatia. Most Americans, though, have never heard of it. I think that’s a shame because Mljet has an otherworldly beauty! I didn’t know this gorgeous place existed until I saw it on my sailing adventure in Croatia with the Girls Love Travel itinerary. 

Home to the sprawling and pristine Mljet National Park, this island is a nature lover’s paradise. I went kayaking for the first time in my life on the turquoise lakes. You can also go cycling, boating, and swimming here. You’re in for a treat if you like water sports. 

You can’t visit Croatia without stopping at this iconic city, dubbed “The Pearl of the Adriatic.” Beyond the Game of Thrones filming locations, Dubrovnik has attractions that will keep you occupied for weeks. From climbing the walls of the Old Town to taking in the panoramic views from Mount Srd, you are bound to create memories you’ll never forget. Dubrovnik has a storied past and a fascinating future, which you can explore through a self-guided walking tour of Dubrovnik or a guided walking tour with a local expert. 

Korčula (pronounced Kor-chu-lah) is my favorite of all the Croatian islands I’ve visited and the most scenic, but I might be biased. The entire island looks like something out of a painting, and I spent hours just meandering through the long streets of the Old Town, taking hundreds of photos and admiring the beautiful flowers lined against the ancient walls. Korčula felt somewhat like a smaller, more picturesque version of Dubrovnik but with fewer crowds. One of the best things about Korčula is that it’s home to the best wineries in Croatia. Discover how to go wine-tasting in Korčula and sample some of Croatia’s best wines in the beautiful countryside of Lumbarda.

Like Mljet, Makarska is another destination in Croatia that doesn’t quite get the attention it deserves. This port city is located on the Makarska Riviera on the southern Dalmatian Coast. It is surrounded by the Biokovo mountain range and crystal-clear waters, making it a popular tourist destination among locals and Europeans. Americans are still catching on. 

Brač (pronounced Bratch) is the beach capital of Croatia, located in Central Dalmatia. At over 150 square miles, it is the largest island on the Dalmatian Coast. In virtually any port town or city in Croatia, particularly Split and Dubrovnik, tour companies advertise Brac getaways. This island has long been a famous holiday spot for Europeans due to its pristine pebble beaches and miles of coastline along the Adriatic Sea. Brač is also home to Croatia’s most famous beach, known as Golden Horn Beach or Zlatni Rat. But is this beach worth the hype? Find out if Golden Horn Beach in Brač is worth visiting . 

Visit the National Parks:

Croatia has eight national parks; sailing is a great way to explore them. Some of the most popular national parks include the Plitvice National Park, Krka National Park, and Mljet National Park. I visited all three national parks during my sailing adventure in Croatia. Plitvice and Krka National Parks are located on the mainland of Croatia, so you’ll need to leave the sailboat and head inland.  Here’s a brief overview of what you can expect at each park. 

Plitvice National Park 

Krka National Park is a beautiful and unique natural reserve located in Croatia. It covers an area of over 88 square miles and is named after the Krka River, which runs through the park. The park is famous for its many waterfalls, including the Skradinski Buk and Roški Slap, which are among Europe’s most famous and impressive.

In addition to its waterfalls, the park also features a diverse array of flora and fauna, including over 800 species of plants and a variety of bird and animal species. You can explore its many hiking trails, take a boat tour along the Krka River, or swim in the park’s crystal-clear waters.

Mljet National Park

Mljet National Park is known for its lush forests, crystal-clear lakes, and stunning coastline. A narrow channel connects the two lakes within the park, Veliko and Malo Jezero, and are popular spots for swimming and kayaking. Visitors to the park can also explore the island’s many hiking trails, which offer stunning views of the park’s natural beauty.

The park is also home to various flora and fauna, including over 150 species of birds, a variety of fish, and several rare and endangered plant species. The park’s unique ecosystem and diverse wildlife make it a popular destination for nature enthusiasts and ecotourists.

Enjoy the local cuisine:

Croatian cuisine is delicious and diverse, and you can enjoy it in the many restaurants and cafes along the coast. Some of the must-try dishes include seafood, grilled meats, and local wines. Check out my list of 10 must-try Croatian dishes to find out what food to order at the local restaurants. 

Anchor in a secluded bay:

One of the best things about sailing in Croatia is the opportunity to anchor in a secluded bay and enjoy the stunning scenery. Our captain was anchored by some remote islands a few times, allowing us to take in the beautiful surroundings and get some epic photos. 

Relax, unwind, and enjoy the adventure of a lifetime. I promise you that sailing in Croatia will be among the most enjoyable travel experiences you’ll ever have in your entire life. It certainly was the case for me.

By following this ultimate guide, you can ensure that you have a safe and enjoyable trip. Pack the right items, go prepared, and take lots of photos. Feel free to customize this guide to suit your exact interests. These are suggestions based on my experience, so I want you to create your own experience.

Happy sailing!

Frequently asked questions:

What is the best month to sail in croatia.

The best month to sail in Croatia depends on your personal preferences and what you want to experience on your sailing trip. The sailing season in Croatia typically runs from April to October, with the peak season from June to August.

May and September are generally considered the best months for sailing in Croatia as the weather is pleasant with fewer crowds. During these months, the temperatures are mild, the sea is warm enough for swimming, and the winds are ideal for sailing. Plus, boat rentals and accommodations prices are generally lower than during the peak season.

Is sailing in Croatia easy?

Sailing in Croatia can be easy or challenging depending on your experience level, the type of boat you’re sailing, and the weather conditions. If you have experience sailing in coastal waters, you should find sailing in Croatia relatively easy and enjoyable.

Croatia offers a mix of calm waters, light winds, and open sea sailing, making it an ideal destination for sailors of all levels. However, the weather can be unpredictable at times, and strong winds and storms can occur, especially during the peak summer months.

If you’re an inexperienced sailor, it’s recommended that you hire a skipper or join a flotilla for your trip. A skipper can provide local knowledge, help with navigating, and care for the boat, leaving you to enjoy the sailing and the scenery. A flotilla offers the added benefit of sailing in a group with other boats, providing a sense of safety and support.

It’s also important to note that the coastline of Croatia is quite indented, with many islands, islets, and rocks, so it’s essential to have good navigation skills and be aware of your surroundings at all times.

Do you need a license to sail in Croatia?

According to the law, if you plan to operate a sailboat in Croatia, you must have a valid Nautical (skipper’s) and VHF license. In addition to that, you must be over 18 years old and have all the necessary sailing experience. In Croatia, skipper and VHF licenses are issued by the port authorities.

What do you need to sail in Croatia?

A valid sailing license: If you plan to rent a bareboat or skipper a boat in Croatia, you’ll need a valid sailing license. Croatian authorities must recognize the license, and the skipper must have experience navigating similar-sized boats.

Boat rental contract: If you’re renting a boat, you must sign a rental contract with the boat rental company. The contract will outline the terms and conditions of the rental and include information about the boat’s equipment, insurance, and maintenance.

Navigation charts: Navigation charts are essential for sailing in Croatia. They provide information on the depth of the sea, the location of ports and marinas, and any hazards to navigation. You can purchase charts online or at local marinas.

Radio license: If you plan to use a VHF radio on board, you must have a valid radio license. The Croatian Ministry of Sea, Transport, and Infrastructure issues the license.

Personal documents: You’ll need to have your passport or ID card with you at all times while sailing in Croatia. A copy of your boat rental contract and any insurance documents is also good.

Safety equipment: All boats in Croatia must have a safety equipment kit on board, including life jackets, a life raft, a fire extinguisher, flares, and a first aid kit.

Nautical clothing: It’s essential to have the right clothing for sailing, including non-slip deck shoes, a sun hat, sunglasses, and lightweight, comfortable clothing. It’s also a good idea to bring a waterproof jacket, pants, and warm clothing for cooler evenings.

Provisioning: You must stock up on food and water for your sailing trip. Most marinas in Croatia have supermarkets nearby where you can purchase provisions. You can also pre-order food and supplies from some boat rental companies.

Travel Essentials I Can’t Live Without 

The cabinzero 36l backpack.

The CabinZero 36L Backpack – this trusty backpack has been my go-to luggage for domestic and international trips since 2018. I’ve used dozens of backpacks over the years and keep returning to this one. I almost never check-in luggage, so I need a carry-on bag that is spacious, sturdy, and comfortable, with a laptop compartment. The Cabin Zero 36 L fits the bill. The size makes it small enough for a weekend getaway and big enough for a month of backpacking in Europe. The bag also comes with a tracker in case it gets lost. How convenient! Check out my complete review of the backpack.

Travel-wifi Portable Hotspot Device

Travel WiFI Pocket WIFI Device – With portable WiFi, you can say goodbye to ridiculous roaming charges and SIM cards for good. I’ve been using the Travel WiFi Portable Hotspot device for years and love the peace of mind it gives me. The device provides 3G-4G WiFi for at least 6 hours and works in 100+ countries. In my experience, it lasts 9 hours. It also works in a variety of landscapes and terrains. I even filmed a Facebook Live from a boat in the Atlantic Ocean using my device. I can also use Google Maps, request an Uber, call my mom, and do many other things I couldn’t do before. A quick tip: turn off the device when you’re not using it so the battery can last longer.

Booking.com

Booking.com – Booking.com is my go-to website for booking discounted accommodations worldwide.  What I love most about Booking.com is the variety of properties you can find, from luxury apartments to treehouses to university housing. It’s hard to beat the insanely low prices. The website also has a flexible cancellation policy, which is great if things come up or you change your mind.

Somto Ugwueze

Hi! I'm Somto. Two years ago, I stopped making excuses, ditched my indecisive friends, and started booking flights. Today, I'm a full-time solo traveler on a mission to inspire young women to seek new adventures.

@somtoseeks

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Who Is Somto Seeks?

Hi there, I’m Somtochukwu. Can you try pronouncing that? I've always gone by Somto (Sohm-toe). I'm a child of Nigerian immigrants who decided to pursue her dream of living an extraordinary life. In 2015, I chose faith over fear, packing my bags and moving to Spain with $1,000 in my pocket. This was after being diagnosed with an autoimmune disease that caused me to develop a giant bald patch in the middle of my scalp. Living in Spain and traveling around Europe for a year changed my life forever, allowing me to discover the freedom of solo travel and the freedom of working from anywhere. Today, I’m a full-time travel writer whose mission is to help you navigate this big, beautiful world with confidence and have those omg-pinch-me-moments you’ll remember for a lifetime.

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Experience the ultimate adventure across Europe by train with this detailed guidebook with 50 routes expertly created from travel insiders, including myself. You'll explore the most amazing attractions that Europe has to offer, from Roman ruins to off-the-beaten-path villages and everything in between. Get ready for the adventure of a lifetime!

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Top Travel Insurances for Croatia You Should Know in 2024

Byron Mühlberg

Monito's Managing Editor, Byron has spent several years writing extensively about financial- and migration-related topics.

Links on this page, including products and brands featured on ‘Sponsored’ content, may earn us an affiliate commission. This does not affect the opinions and recommendations of our editors.

Croatia is a stunning and often-overlooked Mediterranean country with crystal-clear Adriatic waters, medieval cities, and breathtaking landscapes. Although travelling to Croatia can be an accessible holiday destination for many people, and although healthcare costs in the country aren't outrageously expensive, it's still a very good idea to arrive there with travel insurance anway, as you'll want the highest-quality healthcare you can find.

Luckily, online global insurances (known as 'insurtechs') specialize in cost-savvy travel insurance to Croatia and other countries worldwide. Our list below explores the four services we believe provide the best deals for young travellers, adventurers, everyday holidaymakers looking for comprehensive but affordable coverage, and longer-term expats.

Croatia Insurance Profile

Here are a few of the many factors influencing the scope and cost of travel insurances for Croatia:

Best Travel Insurances for Croatia

• 01. Should I get travel insurance for Croatia? scroll down
• 02. Best medical coverage: VisitorsCoverage scroll down
• 03. Best trip insurance: Insured Nomads scroll down
• 04. Best mix for youth and digitial nomads: SafetyWing scroll down
• 05. FAQ about travel insurance to Croatia scroll down

Heading to Croatia soon? Don't forget to check the following list before you travel:

• 💳 Eager to dodge high FX fees? See our picks for the best travel cards in 2024.
• 🛂 Need a visa? Let iVisa take care of it for you.
• ✈ Looking for flights? Compare on Skyscanner !
• 💬 Want to learn the local language? Babbel and italki are two excellent apps to think about.
• 💻 Want a VPN? ExpressVPN is the market leader for anonymous and secure browsing.

Do I Need Travel Insurance for Croatia?

Yes, travel insurance is mandatory when travelling to Schengen countries, including Croatia. If you're entering the Schengen Area from a non-Schengen country, you must show a valid passport and travel insurance that covers the duration of their stay and a minimum coverage of 30,000 euros. Being insured is one of the necessary steps to secure a visa and enter the Schengen Area, and failure to comply may result in a denial of entry.

However, regardless of whether or not it's legally required, it's always a good idea to take our health insurance before you travel — whether to Croatia or anywhere else. For what's usually an affordable cost , taking out travel insurance will mitigate most or all of the risk of financial damage if you run into any unexpected troubles during your trip abroad. Take a look at the top five reasons to get travel insurance to learn more.

With that said, here are the top three travel insurances for Croatia:

VisitorsCoverage: Best Medical Coverage

Among the internet's best-known insurance platforms,  VisitorsCoverage  is a pioneering Silicon Valley insurtech company that offers comprehensive medical coverage for travellers going abroad to Croatia. It lets you choose between various plans tailored to meet the specific needs of your trip to Croatia, including coverage for medical emergencies, trip cancellations, and travel disruptions. With its easy online purchase process and 24/7 live chat support, VisitorsCoverage is a reliable and convenient option if you want good value and peace of mind while travelling abroad.

• Coverage 9.0
• Quality of Service 9.0
• Pricing 7.6
• Credibility 9.5

VisitorsCoverage offers a large variety of policies and depending on your needs and preferences, you'll need to compare and explore their full catalogue of plans for yourself. However, we've chosen a few highlights for their travel insurance for Croatia:

• Policy names: Varies
• Medical coverage: Very good. Includes coverage for doctor and hospital visits, pre-existing conditions, repatriation, mental health-related conditions, and many others.
• Trip coverage: Excellent - but only available for US residents.
• Customer support: FAQ, live chat and phone support
• Pricing range: USD 25 to USD 150 /traveller /month
• Insurance underwriter: Lloyd's, Petersen, and others
• Best for: Value for money and overall medical coverage

Insured Nomads: Best Trip Coverage

Insured Nomads is another very good travel insurance option, especially if you're adventurous or frequently on the go and are looking for solid trip insurance with some coverage for medical incidents too. With Insured Nomads, you can choose the level of protection that best suits your needs and enjoy a wide range of benefits, including 24/7 assistance, coverage for risky activities and adventure sports, and the ability to add or remove coverage as needed. In addition, Insured Nomads has a reputation for providing fast and efficient claims service, making it an excellent choice if you want peace of mind while exploring the world.

• Coverage 7.8
• Quality of Service 8.5
• Pricing 7.4
• Credibility 8.8

Insured Nomads offers three travel insurance policies depending on your needs and preferences. We go through them below:

• Policy names: World Explorer, World Explorer Multi, World Explorer Guardian
• Medical coverage: Good. Includes coverage for doctor and hospital visits, pre-existing conditions, repatriation, and many others.
• Trip coverage: Good. Includes coverage for trip cancellation and interruption, lost or stolen luggage (with limits), adventure and sports activities, and many others.
• Customer support: FAQ, live chat, phone support
• Pricing range: USD 80 to USD 420 /traveller /month
• Insurance underwriter: David Shield Insurance Company Ltd.
• Best for: Adventure seekers wanting comprehensive trip insurance

SafetyWing: Best Combination For Youth

SafetyWing is a good insurance option for younger travellers or digital nomads because it offers flexible but comprehensive coverage at a famously affordable price. With SafetyWing, you can enjoy peace of mind knowing you're covered for unexpected medical expenses, trip cancellations, lost or stolen luggage, and more. In addition, SafetyWing's user-friendly website lets you manage your policy, file a claim, and access 24/7 assistance from anywhere in the world, and, unlike VisitorsCoverage, you can even purchase a policy retroactively (e.g. during a holiday)!

• Coverage 7.0
• Quality of Service 8.0
• Pricing 6.3
• Credibility 7.3

SafetyWing offers two travel insurance policies depending on your needs and preferences, which we've highlighted below:

• Policy names: Nomad Insurance, Remote Health
• Medical coverage: Decent. Includes coverage for doctor and hospital visits, repatriation, and many others.
• Trip coverage: Decent. Includes attractive coverage for lost or stolen belongings, adventure and sports activities, transport cancellation, and many others.
• Pricing range: USD 45 to USD 160 /traveller /month
• Insurance underwriter: Tokyo Marine HCC
• Best for: Digital nomads, youth, long-term travellers

How Do They Compare?

Interested to see how VisitorsCoverage, SafetyWing, and Insured Nomads compare as travel insurances to Croatia? Take a look at the side-by-side chart below:

Data correct as of 4/1/2024

FAQ About Travel Insurance to Croatia

Travel insurance typically covers trip cancellation, trip interruption, lost or stolen luggage, travel delay, and emergency evacuation. Some travel insurance packages also cover medical-related incidents too. However, remember that the exact coverage depends on the insurance policy.

Yes, medical travel insurance is almost always worth it, and we recommend taking out travel insurance whenever visiting a foreign country. Taking out travel insurance will mitigate some or all of the risk of covering those costs yourself in case you need medical attention during your stay. In general, we recommend VisitorsCoverage to travellers worldwide because it offers excellent value for money and well-rounded travel and medical benefits in its large catalogue of plans.

Health insurance doesn't cover normal holiday expenses, such as coverage for missed flights and hotels, but in case you run into medical trouble while abroad, it may cover some or all of your doctor or hospital expenses while overseas. However, not all health insurance providers and plans offer coverage to customers while abroad, and that's why it's generally best to take out travel insurance whenever you travel.

Although there's overlap, health and travel insurance are not exactly the same. Health insurance covers some or all of the cost of medical expenses (e.g. emergency treatment, doctor's visits, etc.) while travel insurance covers non-medical costs that are commonly associated with travelling (e.g. coverage for missed flights, stolen or lost personal belongings, etc.).

The cost of travel insurance depends on several factors, such as the length of the trip, the destination, the age of the traveller, and the level of coverage desired. On average, travel insurance can cost anywhere between 3% and 10% of the total cost of the trip.

A single-trip travel insurance policy covers a specific trip, while an annual one covers multiple trips taken within a one-year period. An annual policy may be more cost-effective for frequent travellers.

Yes, you can sometimes purchase travel insurance after starting your trip, but it is best to buy it before the trip begins to ensure maximum coverage. If you do need to buy insurance after you've started your trip, we recommend VisitorsCoverage , which offers a wide catalogue of online trip and medical insurance policies, most of which can be booked with immediate effect. Check out our guide to buying travel insurance late to learn more.

Yes, you can most certainly purchase travel insurance for a trip that has already been booked, although we recommend purchasing insurance as soon as possible aftwerwards to ensure all coverage is in place before your journey begins. Check out our guide to buying travel insurance late to learn more.

See Our Other Travel Insurance Guides

Looking for Travel Insurance to Another Country?

See our recommendations for travel insurance to other countries worldwide:

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Sailing Travel Insurance: The Complete Guide to International Health and Travel Insurance for Sailors, Cruisers and Liveaboards

Choosing the right sailing travel insurance is a little bit like choosing a good anchorage; it has to work for the current and forecasted conditions. This article aims to tease apart the surprisingly difficult challenge of choosing the best sailing travel insurance. That is, health and travel insurance covering medical expenses, personal belongings, and trip disruption when you are sailing outside your home country on a permanent or semi-permanent basis.

For a long time, liveaboards and cruisers that are sailing outside their home countries have had to make do with traditional travel insurance to cover them for emergency medical and travel costs. However, this style of insurance, specifically designed for holidays and short to medium-term trips, has some serious limitations when it comes to insuring the specific needs of sailors.

But that is no longer the case. With the rise of nomadism, remote workers , van life , sail life, and other ‘untethered’ lifestyles, a variety of solutions are coming to market that may better serve the needs of the international liveaboard community.

We have been living a nomadic lifestyle since 2018, backpacking and traveling by van and by sailboat .

During that time we have had to rely on our travel medical insurance twice. We were glad both times that we were properly insured. Now, we are fairly conscientious about ensuring we have the right insurance for whatever we do.

If you are looking for a travel and health insurance solution that meets your specific needs for long-term sailing adventures, then this article might be helpful.

* This article is focused only on health and medical insurance and travel insurance for personal items. It excludes boat and liability insurance, which is a separate (yet equally important issue ) .

Non-traditional health and travel insurance aimed at nomads, long-term travelers, and remote workers can better meet liveaboards, cruisers, and other sailors living abroad permanently or long-term than traditional travel insurance models. Consider World Nomads for short sailing holidays and SafetyWing for liveaboards sailing and living by the coast.

* SafetyWing is a great product for us because of its affordability, simplicity, and flexibility. You will need to weigh the policy against your specific needs and other available products to decide if it fits you best. If you do decide to take out SafetyWing Insurance and we helped with your decision, please consider using our links. You won’t pay any more, and we will receive a commission.

What Should International Health and Travel Insurance for Sailors Cover?

To identify the health and travel insurance needs specific to you as a sailor, it’s helpful first to identify the unique risks associated with living and traveling on a sailboat, such as maritime-specific emergencies, weather-related incidents, and, of course, extended if not indefinite periods away from home. As a sailor, some of the inclusions or restrictions you might need to think about are

• Medical Emergencies and Evacuation: Coverage for medical emergencies is vital, particularly for issues requiring airlifts or transportation to a medical facility. This is crucial when sailing in remote areas where local medical services may be inadequate.
• Global Health Insurance: Global health insurance is recommended for those spending extended periods at sea, especially in international waters. This insurance should cover all medical expenses, including long-term and emergency treatment, dental, eye health, maternity, and chronic conditions​ ​.
• Personal Belongings: Insurance can also cover loss or damage to personal belongings whilst traveling.
• Specific Exclusions and Conditions: It’s important to be aware of exclusions, such as sailing beyond a certain distance from shore, racing, professional sailing, boat rental damage, and search-and-rescue missions.
• Additional Coverage Options: Insurance should include coverage for any activities outside the scope of regular sailing or travel, including diving, kiteboarding, surfing, racing, offshore sailing, etc.

Whatever insurance policy you take out, it’s essential to read the fine print and ensure that your specific needs, based on your sailing route and lifestyle, are covered.

Why Do I Need Sail Life Health Insurance or Travel Insurance?

For sailors living abroad, having health and travel insurance is critical for several reasons.

• Medical Emergencies at Sea: The possibility of medical emergencies at sea, often far from shore, necessitates coverage that includes evacuation and treatment in remote locations.
• International Regulations: Sailing often involves crossing international borders, where local healthcare systems might not provide coverage without insurance. Moreover, insurance is a requirement of entry for many countries.
• Protection Against Weather and Maritime Risks: Unpredictable weather and the other hazards and risks that come with living at sea can lead to emergencies requiring insurance coverage.
• Financial Security: Given the high costs associated with maritime emergencies and healthcare in foreign countries, insurance can ensure financial security.

Can I Use Traditional Travel and Health Insurance for Sail Life?

Yes ! Traditional travel insurance can sometimes serve as a suitable safety net; in fact, we have used it for years.

However, in many situations, the specific issues facing sailors fall outside the scope of traditional health insurance. The reality is that travel insurance has been designed for short-term trips with a fixed itinerary and an end date in mind, and often isn’t well suited for any long-form, semi-permanent permanent travel or nomadism like sail life.

The Problem With Standard Travel Insurance for Liveaboards

There are lots of examples of when the nature of a liveaboard lifestyle doesn’t meet the requirements of traditional insurance products.

For example,

• Policies may not adequately cover incidents that occur far from shore or in international waters.
• Many standard policies exclude coverage for activities deemed high-risk, such as long-distance or open-water sailing.
• Insurance companies often require travelers to provide specific journey start and end dates and evidence such as flight or transportation reservations to validate these dates. However, this can pose a challenge for those leading a nomadic lifestyle at sea, as their schedules tend to be more open-ended and less defined, and their travel is typically self-guided rather than reliant on pre-booked transportation.
• Likewise, numerous insurance providers won’t process claims until after the journey has concluded. The indefinite nature of many sail life adventures makes this type of policy ineffective.
• Many insurance companies rely on a home and mailing address, which, once more, is not something liveaboards have access to.
• Frequently, insurers require applicants to be in their home country to obtain insurance coverage, adding an extra layer of complexity for sailors living abroad who seldom find themselves back in their home country.
• Sail life often involves extended periods at sea, while standard travel insurance is typically designed for shorter trips and often has a maximum trip duration they will insure.
• The majority of traditional insurance policies are sold with a predetermined duration, and if you opt to prolong your trip, you might encounter challenges with some insurers. They may be unable to extend or modify existing policies or issue new ones while you are outside the country.
• Insurers may have rigid rules about the specific countries or regions you can visit and whether you can make changes to your travel route after you’ve already embarked on your journey.
• Insurers can be overly stringent when it comes to the types of activities in which you can engage.

That being said, If you are planning a brief sailing trip abroad, perhaps renting a boat, and you know your dates then maybe traditional travel insurance is for you. For this sort of travel insurance, World Nomads offers competitively priced single and multi-trip policies to citizens of over 140 countries. We have used them extensively, and as a traditional insurer, they are great!

Nomad Travel and Health Insurance Providers for Sail Life

When choosing a travel and health insurance provider for sail life, selecting a company that understands the unique challenges and risks of living at sea is crucial. Here are some factors to consider:

• Global Reach: Choose a provider with a global reach and experience in handling claims and assistance around the world, as sailing often involves international travel.
• Flexible Plans: Providers should offer flexible plans that can be adjusted based on travel patterns, destinations, and the length of the journey.
• Customer Support: Opt for providers with strong customer support, especially offering 24/7 assistance, which is crucial in emergencies at sea.
• Reputation and Reviews: Research the provider’s reputation in the market, customer reviews, and feedback from fellow sailors to gauge reliability and service quality.
• Specialized Coverage: Look for providers that offer specialized nomad insurance plans catering to sailors. These plans should include coverage for medical emergencies, evacuations, and sailing-related activities.

Some well-known providers that offer nomad insurance suitable for full-time or part-time sailors include SafetyWing and IMG Global. Each of these companies has different plans and coverage options, so it’s important to compare and choose one that best fits your specific needs and sailing lifestyle.

For individuals living a sailing life and seeking nomad travel and health insurance, several providers stand out for their tailored coverage and services:

• SafetyWing: SafetyWing specializes in providing insurance to digital nomads and those living a travel-centric lifestyle. Their plans are designed to be flexible and affordable, making them suitable for long-term sailors and travelers​ ​.
• GeoBlue Navigator: This provider is noted for its excellent customer service and fast claims processing. GeoBlue Navigator offers coverage, including any doctor outside the US and the BlueCross/BlueShield network inside the US. They also provide helpful online tools for finding medical assistance in foreign ports, making it a suitable choice for sailors​ ​.
• Cigna: Cigna offers flexible plans where components like outpatient, inpatient, evacuation, and dental/vision coverage can be added as needed. This flexibility allows sailors to tailor their coverage according to their specific needs and sailing destinations​ ​.
• IMG Global Medical: Known for its annual renewable plans, IMG offers a range of options from basic to comprehensive coverage. They have a reputation for good customer service and broad coverage options, including plans that cover pre-existing conditions​ ​.
• Insured Nomad: Their Nomad Health Insurance plan is a long-term international health insurance plan, ideal for those living a global lifestyle. It offers coverage by region, with travel accident benefits and various health benefits, including vision, dental, and preventive care​ ​.
• Global Rescue: Specializing in evacuation, Global Rescue is the only plan that offers evacuation from a sailboat in a medical emergency. Once stable, they provide transport from any hospital to your choice of hospital and can send a triage team for immediate assistance​ ​.

These providers offer a range of options tailored to the unique needs of individuals living a sailing life, ensuring coverage for both health and travel-related risks. It’s important to carefully evaluate each provider’s plans to find the one that best suits your specific requirements and sailing itinerary.

SafetyWing Nomad Insurance for Sail Life

We use SafetyWing Nomad Insurance when sailing. However, what’s right for us may not be right for you. Consider your own situation and the individual policies before making a decision.

SafetyWing offers nomad insurance that is particularly suitable for those embracing sail life. Here’s a detailed look at what SafetyWing offers, along with its pros and cons:

• Global Coverage: SafetyWing’s nomad insurance provides global coverage, making it ideal for sailors who travel internationally.
• Flexibility: Their flexible policies allow you to start and stop coverage as needed, which suits our flexible lifestyle.
• Affordability: SafetyWing is known for its affordability, offering competitive rates for comprehensive coverage. We found that coverage for both of us under the Safety Wing was cheaper than insuring one of us on a traditional policy over the long term.
• Medical and Travel Insurance: Their plans can cover both medical emergencies and travel-related issues, such as trip interruption and lost luggage.
• Coverage Limits: While SafetyWing offers essential coverage, it might have limits in terms of maximum coverage amounts. It’s important to understand these limits and how they could impact claims.
• Exclusions: As with any insurance policy, there are exclusions. It’s important to review these, especially for activities specific to sailing that might not be covered.
• Pre-existing Conditions: SafetyWing has specific restrictions on coverage for pre-existing medical conditions.

Overall, SafetyWing’s nomad insurance is a popular choice for those living sail life due to its flexibility, affordability, and comprehensive coverage tailored to the needs of nomads and long-term travelers. However, like with all insurance, it has certain limitations that need to be adequately understood in relation to your own specific travel and sailing plans.

Final Thoughts on Choosing Sailing Travel Insurance

When selecting international health and travel insurance for sail life, it’s important to consider several key factors:

• Understand Your Needs: Assess the specific risks associated with your sailing lifestyle, including the regions you plan to sail in and the nature of your sailing activities.
• Look for Specialized Coverage: Choose a comprehensive policy for medical emergencies, evacuations, and sailing-related risks. Standard travel insurance might not provide adequate coverage for the unique challenges of life at sea.
• Consider Policy Flexibility: Opt for insurance that offers flexibility in terms of coverage areas and duration, especially if your sailing plans are not fixed.
• Evaluate Customer Support: Ensure that the insurance provider offers reliable 24/7 customer support, as emergencies at sea require immediate and effective assistance.
• Compare Providers: Research and compare different insurance providers to find the one that offers the best combination of coverage, cost, and customer service for your specific needs.
• Read the Fine Print: Carefully review the policy details, including exclusions and limitations, to ensure you fully understand the coverage.

Choosing the right international health and travel insurance is crucial in preparing for a safe and enjoyable sail life. It offers peace of mind and ensures that you are well-prepared to handle any unforeseen circumstances that might arise during your sailing adventures.

Hopefully, we have been able to answer some of your questions on finding the best sailing travel insurance. If you have any questions, please let us know in the comments below!

In 2016, I had been dumped by my girlfriend, fired from my job, and the lease on my house was running out. Facing moving back in with my parents, 26, jobless and alone I decided to listen to the message the universe was trying to send me. I took off on my first solo backpacking trip, with a one-way ticket to Bangkok and a well-thumbed Lonely Planet guide. From there I wandered Southeast and Central Asia, traveled the Great Steppe, and made my way across Russia and throughout Europe.

In Estonia I met Kelli, who, despite having a less frantic travel style, shared my my restless spirit and passion for exploration. Together, we embarked on a new journey, van life. Over four years we travelled across three different continents with three different vans.

In 2022, as the world began to re-open post COVID we took an opportunity to realise a long held dream, to live aboard a sailboat. Since then we have spent two summers in the Mediterranean, sailing and living aboard our little sail boat Whisper. When we aren't sailing we continue to live our nomadic lifestyle, guided by a philosophy of slow travel and self directed adventure be it by van or backpacking.

We find excitement through our journey into the unknown, stillness and content in the beauty of the places we discover and we find ourselves in the vastness of our world.

Hopefully, we can help you find what you're looking for too. Get lost with us and find your own path.

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Skipper & Crew Insurance

Skipper & Crew Insurance - Safe and Carefree sailing holidays

A part of sailing holiday planning is choosing the skipper and crew insurance. Get the insurance for you and your family and friends, and travel safely and peacefully. There is always the possibility of unwanted and unexpected situations.  The ratio of investment in the purchase of travel insurance and benefits in case of activation of the policy is cost-effective.

As a skipper, you have a special responsibility on board. As the person in charge of the boat and crew, you must always keep track. So that you can enjoy your cruise, we offer with our "Skipper & Crew" offers a selected insurance package, with which you can set sail with a clear conscience and be well insured.

You can take out:

• Extended skipper liability insurance
• Charter deposit insurance
• Travel cancellation insurance and travel price insurance, individually or in the package form

The exact content of the insurance packages can be found on the web page of EIS - European Insurance Service.

ONLINE Skipper & Crew Insurance

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Travel Insurance for Croatia

Travelling to Croatia for a much-needed getaway? Compare your travel insurance options with Savvy.

Fact checked

Whether you’re wanting to sail the Adriatic Sea or explore the historic city of Dubrovnik, it’s always important to have peace of mind when you’re travelling to Croatia. If you’re searching for the right travel insurance cover for your next international journey, Savvy can point you in the right direction.

By comparing with us, you can find a policy which offers you the right protection, whether your flights are delayed, your luggage goes missing or you fall ill while overseas. We provide instant quotes from our partners, so you can consider their pros and cons and compare the cost of each policy. Before you take off overseas, compare your travel insurance options with Savvy today.

Do I need travel insurance for a holiday to Croatia?

You don't necessarily ‘need' international travel insurance if you're taking a trip to Croatia. However, it's strongly recommended that you purchase a policy before you jet off on your holiday to Europe , whether you want to see the UNESCO World Heritage sites or explore the many waterfalls and waterways inside the Plitvice Lakes National Park.

Croatia is the place to go if you've always wanted to live out your dreams of spending warm days by crystal-clear lakes, surrounded by the shadow of historic walled villages. However, there are still things for tourists and visitors to look out for, so it's paramount you compare with Savvy and get the best travel insurance before leaving.

If you’re eager to experience all of what Croatia has to offer, some of the incidentals to watch for include:

• Petty crimes: there is generally minimal crime and only the occasional violent incident in Croatia. Visitors have reported being overcharged by ‘Gentlemen's Clubs' by hundreds or even thousands of Euros. When victims refuse to pay, they are sometimes subjected to physical threats. Be cautious of pickpockets in crowded tourist locations. Never go somewhere with a big wad of cash.
• Regional safety: landmines remain a danger in Eastern Slavonia, Brodsko-Posavska County, Karlovac County, regions near Zadar County and more isolated sections of Plitvice Lakes National Park. If you intend to visit there outside of the typical tourist destinations,  get in touch with the offices of Civil Protection for further details about mine-affected regions.
• Road safety: there were 72 fatalities per million residents due to car accidents in Croatia across 2021, so it pays to be cautious if you want to be covered for your hire car excess .
• Natural disasters: disasters, including earthquakes, floods, and landslides, are possible. Most forest fires occur between June and September. Keep an eye on the news for the latest information.
• Diseases: forests may be dangerous places, so it pays to be vigilant. It's possible to get Lyme disease or tick-borne encephalitis. From March through to September, ticks are most prevalent. Find out whether you have any ticks on your body, as they should be removed entirely as soon as possible.

What’s covered by my travel insurance for my holiday to Croatia?

One of the reasons you need travel insurance is to protect you if you become ill or injured while travelling, lose your things, or suffer flight cancellations or delays. Some of the benefits of travel insurance include :

• Overseas medical bills: if you want peace of mind in case you become sick or hurt in Croatia and need medical assistance, buying travel insurance is a wonderful option. While mainland hospitals are of a high quality, those on surrounding islands are poor compared to Australian standards and you may be asked for payment in advance.
• Evacuation or repatriation: you may need medical evacuation back to Australia if you are in a critical condition due to illness or injury due to the varying condition of the hospitals. If you need repatriation out of Croatia, the costs can be eye-watering and it can be hard to organise. Luckily, your insurer can pay for your evacuation and repatriation, including if you need to disembark a cruise ship, which may cost up to $100, 000 without insurance.
• Cancellation: many travel insurance carriers may refund pre-paid deposits on hotels, flights, or excursions if you cancel your trip due to a covered occurrence. Illness, injury, or a sick or dying family member are among the valid reasons for cancelling a trip.
• Lost, stolen or damaged bags: most insurance providers will compensate or replace lost, stolen, or damaged baggage up to an agreed claim amount, which can reach up to $15,000.
• Individual items: taking a mobile phone or laptop on your overseas or domestic getaway? Many insurance plans offer sub-limits for lost, damaged, or stolen property.
• Travel delays: most travel insurance cover hotel, food, and other expenses if your flight is delayed longer than 24 hours. This includes delayed luggage owing to a delayed airliner. Most insurers have limits on how much you can claim if your travel arrangements are delayed.
• Personal liability: legal issues abroad may be costly. If you're held directly accountable for damage or injury, most companies may cover you up to $5 million.
• Accidental death: if you die overseas in a covered accident, your insurance company can repatriate your remains. They may pay up to $25,000 for funeral or cremation fees.
• Optional extras: planning to rock climbing in the Paklenica National Park or go caving through the Modrica caves? Most travel insurance plans don't cover these activities automatically, but they do offer supplementary coverage for an added premium.
• Pet cover: if your return home is delayed due to sickness or travel disruptions, your travel insurance can cover the additional boarding costs for your pet.

However, most travel insurance companies won’t cover you for the following incidentals:

• Unapproved pre-existing medical conditions
• Lost personal items left unattended
• Breaking local laws and road rules
• Accidents caused by drug or alcohol use
• Travelling to a country against Australian government advice
• Travelling for medical tourism

What factors should I consider before buying travel insurance for a trip to Croatia?

It might be difficult to figure out which policy provides the most beneficial coverage for your next trip to Croatia. However, by comparing with Savvy and getting a few travel insurance quotes, you may be able to make the experience of searching for the perfect policy a whole lot easier.

Premium cost

It is, of course, in your best interest to keep your insurance premium costs to a minimum. To avoid overpaying for your travel insurance, it is crucial to shop around and get the best possible policy at a price that works for you. If you’re a senior over 65 and planning a trip to Croatia, you’ll likely be paying a higher premium based on your age, so it will be worth shopping around to find the best seniors' travel insurance policy.

The type of policy you need

Numerous options exist for travel insurance, whether you're looking for single-trip, annual or one-way cover, so it’s important to consider your travel requirements. For example, if you’re travelling to Croatia but also taking a trip to Hungary within the year, it might be good to find a multi-trip policy may be more suited to you than single-trip. Take a look at your itinerary, think about how often you’ll be flying and compare it with Savvy so you can get the best insurance for your trip.

What you’re doing in Croatia

Carefully consider which insurance company provides the greatest value and level of protection if you’re looking to partake in high-risk pursuits before signing up. If you’re planning to ride a motorcycle through the streets of Pula or zipline the Cetina River Canyon, make sure you get a policy that covers you.

Claim limits

In most cases, the amount you may claim from your overseas travel insurance policy will be capped. Check if these limits are enough for your trip and the items you want to take with you by doing a side-by-side comparison of several brands with Savvy. For example, most comprehensive policies allow you to claim up to $7, 500 if you lose your luggage or have it damaged while on holiday, compared to some other providers who only let you claim $3, 000.

Inclusions and exclusions

When searching for the best international policy for your trip to Croatia, make sure you opt for a policy that best suits your needs. Before settling on one choice, do your homework and weigh what's included and what isn't. For example, a pre-existing condition you suffer from may not be automatically included under one policy, while it could be covered by a competitor.

Types of travel insurance

International.

International travel insurance can offer cover for a range of events, including medical expenses, lost luggage or items, cancellation fees and more when you're overseas and a long way from home.

If you're journeying within Australia, domestic policies are designed to offer many of the same protections as international travel insurance (with the exception of medical expenses).

Single trip

The most standard and common type of travel insurance, this policy can cover you for one trip starting and ending in Australia (and is available for both international and domestic travel).

Annual multi-trip

As the name suggests, this type of travel insurance covers multiple trips over a 12-month period. Depending on your insurer, you may be able to take an unlimited number of trips up to 90 days each.

You don't have to have a return ticket booked to take out cover while you're overseas. One-way travel insurance enables you to access cover without a set end date, such as if you're moving temporarily.

You may need to take out specialist coverage if you're setting sail on a cruise. Fortunately, cruise insurance can cover emergency evacuation, cabin confinement and more.

Just because you're older doesn't mean travel insurance isn't still important. If you qualify for cover, seniors' travel insurance can offer greater peace of mind for included events while you're travelling.

Adding winter sports or ski cover to your policy can add protection against damage to your equipment, piste closure due to bad weather and activities such as back-country skiing, heliskiing and more.

Adventure sports

Looking to enjoy some adventure sports on holiday? An adventure sports pack can grant you cover for a range of activities, such as hiking, scuba diving and motorcycle or scooter riding.

Jetsetting with the whole clan in tow? Some insurers offer family travel insurance, which enables you to include yourself, your partner and your dependent children under one policy to help you save.

If you're travelling interstate or overseas with your partner (or simply another friend or family member), you may be able to access a discount by taking out a joint or duo travel insurance policy.

Why compare travel insurance with Savvy?

Reputable insurance partners, fast and convenient online process.

You can complete the quote, comparison and purchase process online through Savvy quickly and easily.

Competitive quote costs

Regardless of the type of insurance you’re looking for, we can help you compare between competitive quotes.

Top tips for saving on your travel insurance to Croatia

Combine policies.

You can get group policies from providers covering you and your partner, your extended family, and even your children or grandchildren. Most travel insurance providers allow you to include up to 25 people under the same policies, which, if the costs are divided among the travellers, can save you money.

Consider increasing your excess

You can take out cheaper travel insurance by increasing the excess you're willing to pay if you need to file a claim. A higher excess can help you save money in the long term, but it shouldn't be so high that it causes you financial hardship to pay it.

Only pay for what you need

There's no point paying for cover you're not going to use, whether you’re travelling for business or leisure. Before you purchase a travel insurance policy, read the PDS and make sure you aren’t paying extra for add-ons such as rental car hire or cruise coverage if you don't have any intentions of either hiring a car or sailing across the international seas.

Compare your travel insurance options

Using Savvy to help you decide lets you easily see which provider gives you the best travel insurance coverage for the lowest price. You can compare policies side by side so you can weigh what's included, what's not included, the price of your premium, and any other essential factors.

Frequently asked questions about travel insurance for Croatia

Yes – most travel insurance policies cover any COVID-19-related expenses, such as medical treatment while you’re in Croatia and the need to cancel your holiday if you test positive before you leave. However, cancellation due to COVID-19 isn’t usually available on basic policies. The risk of testing positive for COVID-19 is still quite high if you’re travelling to Croatia as of October 2022, so it’s best to wear a mask when possible if you’re worried about contracting the disease.

Yes – you can buy travel insurance online if you’re already wheels up and headed to Croatia for your holiday. You won’t need much to take out travel insurance, only the details of your trip and some other important information. You’ll be afforded the exact coverage you would usually get if you purchased before departure. However, these policies have waiting periods of between 48 and 96 hours. This means that if you suffer a claimable incident inside this period, you won’t be able to make a claim.

Most people in the know will tell you the best time to purchase your travel insurance is when you know your travel dates. That allows you to be covered for the maximum amount of pre-paid bookings, such as those for hotels or tours if something unforeseen happens and you need to call off your holiday. There are also often sales on around holiday periods, such as Easter, Christmas and the End of the Financial Year, which means you could snap up a policy at a discount.

When you do it online, claiming on your travel insurance is a pretty easy process. When you go to your insurance company's website, enter your policy number and the email address that goes with it. From there, you can do the following:

• Fill out your claim form with plenty of detail
• Attach any documents, such as receipts, medical evidence, or proof of purchase
• Submit your claim

  The majority of the time, you should hear back from your travel insurance company within about ten business days. It's best to quickly answer any requests for more information to avoid slowing down the process.

There’s no average cost of travel insurance per se. instead, the price of your premium for a trip to Croatia will be determined by a range of interchangeable variables, including:

• The length of your trip and destinations
• Whether you suffer any pre-existing conditions
• If you need optional extras, such as adventure sports cover
• The insurance company you’ve chosen
• The level of cover you have purchased
• What part of Croatia you’re travelling to (for example, you may not be able to receive cover if you’re travelling somewhere experiencing a natural disaster or terrorism event)

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Disclaimer: We do not compare all travel insurance brands currently operating in the market. Any advice presented above or on other pages is general in nature and does not consider your personal or business objectives, needs or finances. It’s always important to consider whether advice is suitable for you before purchasing an insurance policy.

Savvy earns a commission from our partners each time a customer buys a travel insurance policy via our website. We don’t arrange for products to be purchased from these brands directly, as all purchases are conducted via their websites.

Before purchasing your policy, we recommend you refer to the provider’s PDS for any further information on the terms, inclusions and exclusions.

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Travel Insurance

Discover croatia recommends that all clients purchase travel insurance the day they make their first payment (including deposits)..

Does travel insurance cover me if my airline or tour operator goes bankrupt? (Generally, no, it’s not automatically covered… read on.. )

Pretty much almost all travel insurance will cover you if you get sick or have an accident before you go and you can’t make your trip. What happens if something goes wrong once you’re away, or there’s a problem with the end supplier before you leave or when you arrive? See below for some information on how to check what you’re covered for.

We do not sell or recommend any particular travel insurance, as each client has their own priorities and not all insurance policies cover the same things . Please do your research and get the right cover for you, so that you can enjoy your holiday with peace of mind. Thank you.

Here’s a site where someone has done some research for you for travel insurance. We are not affiliated with these sites, we just think this info might be useful for our clients.

https://www.insurancecouncil.com.au/

https://finder.com.au/insolvency-and-travel-insurance

https://comparetravelinsurance.com.au/travel-insurance-tips/does-travel-insurance-cover-insolvency

https://www.choice.com.au/travel/money/travel-insurance/articles/travel-insurance-pandemic#which-insurers-cover-you-for-an-epidemic-or-pandemic

We highly recommend that you purchase travel insurance the day you pay any money to anyone for your trip (including deposits). You never know what is going to happen and over the years we’ve seen some strange events and some random weather occurrences. It’s your responsibility to ensure you are covered for all your own eventualities.

Here are some questions to ask your travel insurance company. Do they cover…. • Cruises on small ships? Cruises on big ships (if you’re doing something else)? Not all insurance covers you when you are at sea . Please check! (Croatian coastal cruises do not sail in international waters) • Medical Insurance? (for you and/or your family members if you need to cancel your holiday if your parent/child gets ill and you need to stay home to take care of them; or, if you get sick while you are away, what do they cover?) • Car Hire Excess Insurance? • Lost luggage? Stolen luggage? Electronics? • Travel delays? (either your fault or your airline/train/bus company’s fault) • Adventure travel cover? (some companies won’t cover the more ‘risky’ type of sports, or motorcycle riding, or even being a pillion on a scooter) • What do they cover if something goes wrong on your cruise or tour?  (say your cruise ship breaks down or everyone gets sick, or your tour bus is delayed and you miss your flight.. these kinds of things. What do they really cover if this happens?) Are you covered whilst at sea? • Are you covered for your private yacht or gulet charter? Private charter is hardly ever covered under regular travel insurance. Will they pay for a replacement boat if yours is damaged in an unforeseeable storm? • Airline / tour / cruise operator financial default or failure to provide contracted services? (end supplier failure) • Anything else that is a possibility for you in particular?

Your style of travel might differ greatly from the person next to you on the plane. You might be skydiving, they might be going on a cruise. There is no one travel insurance policy that will cover everyone for what they need. DO YOUR RESEARCH. Things change all the time and legal-speak can be hard to decipher. Don’t be afraid to ask questions of your insurer .

Most travel insurance policies do not cover you for the end supplier financial default (but they don’t mention this explicitly), so if that is something that concerns you, please do your research and select the appropriate travel insurance for you (some info is on the Finder link above, but you must read all PDS’s carefully yourself). Most insurance policies only cover you if you have to cancel your trip because of something happening on your end. Please speak to your insurance company and ensure that you are going to be covered for what is important to you. In light of the recent collapses of large tour operators, it’s more important than ever to get the right policy to cover you for everything. So it’s up to you to check about end supplier financial insolvency in your travel insurance policy.

We act as an Agent only, we are not the End Supplier (tour operator) of the travel products on this website. We have no control over their actions and unfortunately once we have paid the end supplier, we have no control over their finances either.

We are registered with IATA under a TIDS code (TIDS… Travel Industry Designator Service world-wide registration scheme for those agents who don’t sell flights, which is us).

TIDS Code 96846385

https://iata.org/services/accreditation/tids/Pages/index.aspx

We have been in business since 2003.  We are not the ones who might go insolvent, as your money is safe in our Trust Account until we pay it to the end supplier. It is only once it leaves our hands that we need you to be insured on your own to cover anything that is beyond our control. We want you to be safe when you travel, we want you to be able to get home safely if something goes wrong, we want you to be covered if there’s an ‘act of god’ weather event and your boat sinks. Please, get travel insurance and ensure you have the best protection for what you need. 🙂

For comprehensive travel insurance that covers most things, we can suggest you look at Sure Save Travel Insurance. They seem to have a wide coverage, but please get it in writing exactly what they cover and if it’s relevant to your holiday and what products you are booking, especially if you’re on a cruise or charter. They seem to include some financial insolvency insurance , but you need to check (flights in particular are often the riskiest purchase) what’s really covered. The tourism industry in Croatia is robust and it’s rare that any of the cruise companies have any financial problems.

Covermore now has a ‘cancel for any reason’ insurance (including insolvency, mopeds, high risk adventures, cancelled tours etc), but you need to read the PDS really carefully to ensure your ‘any reason’ is covered and that you have added the selected cover as an option: https://covermore.com.au/travel-insurance/cancel-for-any-reason (also see here: https://finder.com.au/cover-more-cancel-for-any-reason-travel-insurance ).

For basic insurance that covers car hire excess, medical, annual multi-trips, cover when you’re already overseas and group policies, you could look at 1Cover Travel Insurance . Please read the product disclosure statements thoroughly and check anything you aren’t sure of with 1Cover directly.

For Adventure Travel insurance, or insurance for the basics after you leave home, we can suggest you look at World Nomads Travel Insurance . They say they cover emergency medical expenses, baggage, trip cancellation (that’s if you have to cancel for reasons they cover), and technical equipment. You can extend your cover while you travel and they cover heaps of sports like scuba diving, skiing, bungee-jumping, surfing and mountain-biking to name just a few.

For Private Yacht or Gulet Charter insurance, you can look at TopSail Yachtsman’s Travel Insurance . This insurance should cover you both at sea and on land and covers private charters.

You really do need to decide exactly what cover is most important to you based on your style of travel, your responsibilities at home, the possibility that you might need to cancel your trip to take care of a loved one, or whether you’re going to hire a car or going on a cruise. Please read all the Product Disclosure Statements thoroughly and carefully and ensure that the cover they entail is exactly what you need. If you’re not sure, phone the insurance company and check with them that you’re going to be covered (and then get it in writing!).

If you’re hiring a car, you can also look at a Car Hire Excess Insurance Policy, such as this one https://icarhireinsurance.com/car-hire-insurance-products/excess-worldwide. Car Hire Excess is usually expensive, so it can pay to take out a separate policy if your other travel insurance doesn’t cover it.

If you are going to use your credit card insurance, then please read the PDS very, very carefully so that you know exactly what it covers and then contact them to double check the legal-speak. Most do not cover if the end supplier is in financial default or fails to provide a service. Some will not cover you if you don’t have a return ticket booked. Some won’t cover you unless you pay for the entire holiday with your credit card. Be careful, we cannot stress this enough.

Are you totally sure your credit card travel insurance they will pay for a replacement if something goes wrong whilst you are on holiday? Will they cover your ENTIRE GROUP if you are travelling with children, or extended family or friends? Does your entire group have travel insurance? You must take responsibility for yourselves and ensure that your cover includes cover for everyone with you and for everything you are doing whilst on holiday. We cannot be held responsible if your travel insurance does not cover you for something that goes wrong.

If you are using your credit card travel insurance , PLEASE read this carefully and ensure that you are covered for all eventualities before relying on it. You need to take responsibility and check with them and go through the PDS carefully to see what you are covered for in the event of a claim with them. Not just medical claims, but what happens if something else goes awry when you’re already on your holiday? Please, be careful and don’t risk it. Get proper travel insurance if you are not sure your credit card will cover you.

https://australianfrequentflyer.com.au/community/threads/beware-the-complicated-conditions-of-card-travel-insurance.67277/

Again, please do your research thoroughly and ensure you get the right cover for you, so that you can enjoy your holiday with peace of mind. Thank you.

If you have any questions, give us a call on +612-9212-1507 or email us at [email protected]

Sailing Qualifications

To skipper a bareboat charter or flotilla yacht, you need to hold a practical sailing certificate equivalent to RYA Day Skipper Practical qualification or RYA International Certificate of Competence (ICC) . For charters in Greece, you must now have the ICC certificate . You must also be assisted by at least one competent crew member over the age of 18.

The port authorities in Greece are now insisting on one of the following practical certificates: RYA ICC (International Certificate of Competence), RYA Coastal, RYA Yachtmaster, ASA IPC (International Proficiency Certificate) or the IYT (International Yacht Training) Passport. If you hold an RYA Day Skipper or ASA104 it will no longer be accepted and you need to obtain either an ICC or IPC from the corresponding issuing body (RYA or ASA). If your RYA Coastal/Yachtmaster or ASA105/106 certificate is more than 12 years old and does not have a photo ID, then we would also strongly advise applying for an ICC or IPC. If you are a member of the RYA or ASA, you may qualify for a discount or free certificate, otherwise, you will have to pay. The approximate cost is £50. Please use this link - RYA application for the ICC or ASA application for the IPC.

For charters in Croatia, Malta and the Canaries , at least one member of the crew or the skipper will also need a VHF licence .

RYA qualifications can be obtained by RYA sailing schools in the UK or alternatively choose from one of our overseas centres in Gibraltar, Greece or Turkey .

For  Seychelles,  the local authorities require an ICC for the skipper of a bareboat or flotilla yacht charter.

For Caribbean and Tropical charters, formal qualifications are not compulsory, however, you should be Day Skipper standard and be assisted by at least one competent crew . A brief sailing resume should be provided to outline your experience.

For Thailand A Day Skipper qualification is required as a minimum and you must have at least 3 weeks of skippering experience prior to your charter. A VHF qualification is compulsory.

If you don't hold the relevant qualifications then why not add a skipper ?

Sailing Levels

Winds force 2-3 (4-11 Knots)combined with generally shorter distances. Good for beginner or intermediate sailors. Line-of-sight navigation but basic knowledge of charts and ability to plot your position required.

Winds force 3-5 (7-21 Knots) with approximately 15-20nm per day. Intermediate experience required. Predominately line of sight navigation but an understanding of how to sail in open water.

Winds force 4-6 (11-27 Knots) with mileage of approximately 20nm+ per day. Ideal for experienced skippers looking to venture out to new destinations. Day skipper standard but with experienced crew would be recommended.

Travel Insurance

It is a condition of your booking that you obtain adequate holiday insurance. If you have made alternative arrangements it is very important that you inform us of your arrangements and ensure that all policies cover sailing.

Topsail Insurance Ltd offer Yachtsman’s Travel Policies with security provided by Canopius Managing Agents Limited.

These policies are tailor-made for yacht charter holidays, whether bareboat or flotilla, and have no restrictions as to how far offshore you can sail. They also provide cover if you have to cancel your sailing holiday because the qualified skipper cannot travel due to injury or illness, even if he/she is not a close relative and cover for flight delay due to volcanic ash or adverse weather conditions.

Single Trip Travel Insurance

Topsail Insurance offer a fully comprehensive Single Trip Travel Insurance policy to cover sailing holidays which you can now buy on-line.

Multi-trip Travel Insurance

If you are going to be away for a long duration or plan to travel several times over the course of the year you may wish to consider annual multi-trip travel insurance. Topsail Insurance offers our clients a fully comprehensive Annual Multi-trip Travel Insurance to cover all your holidays in the next 12 months, including sailing holidays, which you can now buy on-line. Gold and Silver policies also include skiing holidays.

Annual Multi-trip Travel Insurance

If you make your own travel insurance arrangements you should check with your insurer whether there are restrictions on sailing holidays and whether there is cover in the event that the qualified skipper cannot travel.

Ask us for a Quick Quote We'll get back to you with a no obligation tailored quote within 24 hours ( Mon-Fri: 0900-1730 )

Let's talk now.

Call our knowledgeable sailing specialists for the latest advice and recommendations on the sailing areas most suited to you.

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Arrange a call back from one of our specialists (Mon-Fri: 0900-1730).

Sail Croatia

One of the standout features of Sail Croatia is its fleet of boats. The company operates a range of different vessels, from small, traditional sailing boats to larger, more modern catamarans. All of its boats are equipped with comfortable cabin accommodation, as well as plenty of outdoor space for soaking up the sun and taking in the breathtaking scenery. This makes Sail Croatia an ideal choice for those looking to enjoy an unforgettable sailing experience in the stunning Adriatic Sea. The company offers a range of different tours , ranging from one-week itineraries to multi-week trips that take in some of the most beautiful islands and destinations along the Croatian coastline. The itineraries are designed to take advantage of the best of the local area, including hidden coves, unspoiled beaches, and charming fishing villages. In addition to sailing, each tour includes plenty of opportunities to explore the local area, including visits to ancient ruins, vineyards, and cultural landmarks. One of the key factors that sets Sail Croatia apart from other tour companies is the company’s commitment to sustainable tourism. The company places a strong emphasis on protecting the environment and preserving the local culture, and is committed to reducing its impact on the local area. This is reflected in the company’s policies and practices, which include the use of environmentally friendly boats, the sourcing of locally-grown food, and the promotion of local businesses and activities. Another interesting fact about Sail Croatia is its focus on creating a fun and social atmosphere on board its boats. The company’s tours are designed to be enjoyed by people of all ages, and the boats are often filled with a mix of solo travellers, couples, and groups of friends. This makes for a lively and social atmosphere, and many passengers often form close friendships and relationships during their trips.

The best way to see Croatia! sail-croatia.com

Passenger demographics

The typical passenger demographics on a Sail Croatia cruise may include:

• Young adults and people in their 20s and 30s who enjoy adventure and socialising with other travellers
• Solo travellers and small groups of friends and couples
• People who love nature, exploring new destinations, and experiencing local culture
• Those interested in water activities such as swimming, snorkeling, and diving
• Individuals who enjoy the freedom and flexibility of travelling by boat and experiencing the unique perspective of coastal Croatia.

Note: These figures represent a typical Sail Croatia tour. Your particular trip may vary depending on the specific cruise and time of year.

Sail Croatia deals

Sail Croatia frequently runs  promotions and offers special rates  for early bookings. They also offer discounts for groups, which is a great option for travellers who are travelling with friends or family. Sail Croatia also partners with various travel agencies and organisations to offer exclusive deals and discounts to their clients.

Sail Croatia advantages

Sail Croatia is a popular travel company for a number of reasons. The company offers a unique and unforgettable experience for travellers, combining adventure, culture, and relaxation in one of the most beautiful regions in the world. Here are the top things we like about Sail Croatia:

Sail Croatia is family-owned company with a personal touch

Sail Croatia is a family-owned travel company that specialises in providing luxury sailing experiences in the Adriatic Sea. The company was founded by Grant and Helle Seuren who have a deep passion for their country and its unique beauty. They saw an opportunity to share this beauty with others through sailing, and Sail Croatia was born. The family’s love for their country is evident in every aspect of the company, from the way they treat their customers to the attention to detail they put into every aspect of the sailing experience. Their goal is to create a memorable and authentic experience for their guests, and they take pride in providing top-notch customer service. The family’s hands-on approach is what sets Sail Croatia apart from other travel companies. They are actively involved in the day-to-day operations and are always available to answer any questions their guests may have. They have a strong sense of community and strive to create a family-like atmosphere on each and every trip. Sail Croatia is more than just a travel company, it is a true reflection of the family’s love for their country and their desire to share it with others. The family’s passion for sailing and for providing the best possible experience for their guests has made Sail Croatia a trusted and respected name in the travel industry.

Sail Croatia uses local family-owned ships

The company uses local family-owned ships to offer its services to its customers. This approach has a significant impact on the local economy and the preservation of the country’s rich maritime heritage. The use of local family-owned ships is a crucial aspect of Sail Croatia’s business model as it helps to support the local communities and create jobs for the people of Croatia. These ships are typically operated by families who have been in the business for generations and have a deep understanding of the local waters and the best places to visit. This expertise provides Sail Croatia’s customers with an authentic and enriching sailing experience, which is often not possible with larger commercial ships.

Sail Croatia is a sustainable tour operator

Sail Croatia is a sustainable tour operator that offers its customers a unique sailing experience along the beautiful coastlines of the Adriatic Sea. With its focus on environmental protection and sustainability, the company has established itself as one of the most responsible tour operators in the industry. Sail Croatia has implemented a number of eco-friendly practices that help to reduce its impact on the environment, including the use of solar power on its ships, the recycling of waste materials, and the promotion of sustainable tourism. In addition to these eco-friendly practices, Sail Croatia has also established a non-profit project called Green Sail. The  Green Sail project  is dedicated to preserving the natural beauty of the Adriatic coast and promoting sustainable tourism practices in the region. The project is focused on promoting environmental awareness and providing educational programs for local communities, tourists, and sailors. Through this project, Sail Croatia is working to ensure that the Adriatic Sea remains a pristine and healthy environment for future generations to enjoy. Green Sail also helps to promote the use of sustainable tourism products and services. This includes the promotion of locally produced food, the use of environmentally friendly products and services, and the preservation of the cultural heritage of the region. With its commitment to sustainability and environmental protection, Sail Croatia is leading the way in responsible tourism and is helping to ensure that the Adriatic Sea remains a beautiful and healthy environment for all to enjoy. Overall, Sail Croatia’s Green Sail project is a testament to the company’s commitment to sustainability and its commitment to preserving the natural beauty of the Adriatic coast for future generations. With its focus on eco-friendly practices and its commitment to educating local communities and tourists, Sail Croatia is helping to create a more sustainable future for the region and is setting a positive example for other tour operators to follow.

Sail Croatia also operates tours to Greece through their company Med Experience

Sail Croatia is not just limited to the Adriatic Sea, as the company also operates tours to Greece through its tour company,  Med Experience . Med Experience offers sailing tours to the stunning islands of Greece, providing travellers with a unique and memorable experience in this historic and beautiful region. The tours offered by Med Experience are designed to showcase the natural beauty and cultural heritage of Greece, while also promoting sustainable tourism practices. The company uses environmentally friendly boats, sources locally produced food and supports local communities through its sustainable tourism initiatives. In addition to its commitment to sustainability, Med Experience also offers a range of activities and experiences that allow travellers to fully immerse themselves in the local culture. This includes visits to historic sites, cooking classes with local chefs, and the opportunity to participate in local traditions and customs. The tours offered by Med Experience are designed for travellers who are looking for a unique and authentic experience in Greece. The tours are guided by knowledgeable local experts who provide travellers with a wealth of information and insight into the history and culture of the region. Whether you’re interested in exploring the ancient ruins of Delphi, visiting the birthplace of democracy in Athens, or simply relaxing on the beautiful beaches of the Aegean Sea, Med Experience has a tour that is perfect for you. Sail Croatia’s Med Experience tour company offers a sustainable and authentic experience for travellers to Greece. With its commitment to sustainability, its focus on local culture and its range of activities and experiences, Med Experience is the perfect choice for anyone looking to explore the beauty and culture of this stunning region. Whether you’re a seasoned traveller or a first-time visitor to Greece, Med Experience is sure to provide you with a memorable and enriching experience.

There is no better Croatia island hopping tour than Sail Croatia’s Navigator Cruises

Sail Croatia’s Navigator Cruises  are the most popular Croatian tours for 18-35 year olds and it’s no surprise why. These cruises offer an unforgettable experience that combines adventure, culture, and relaxation in one of the most beautiful regions in the world. From its vibrant social scene to its stunning scenery, Navigator Cruises are the perfect way for young adults to explore the Croatian coastline and make lasting memories. One of the reasons why Navigator Cruises are so popular among 18-35 year olds is because of their fun-filled atmosphere. With a variety of activities and events on board, from lively parties to water sports, there’s something for everyone. The ship also has a lively bar and restaurant, where young adults can mingle and socialise with other like-minded travellers. In addition to its lively atmosphere, Navigator Cruises also offer the opportunity to experience the stunning natural beauty of the Adriatic coast. From its crystal clear waters to its rugged coastline, the beauty of the region is truly breathtaking. During the cruise, passengers have the opportunity to visit picturesque villages, historic cities, and secluded beaches, offering a glimpse into the rich cultural heritage of the region. Another reason why Navigator Cruises are so popular among 18-35 year olds is because of the convenience they offer. With everything included in the tour, such as accommodation, meals, and activities, young adults can sit back, relax, and enjoy the trip without having to worry about anything. Sail Croatia’s Navigator Cruises are the perfect way for 18-35 year olds to explore the Croatian coast and experience the best of what the region has to offer. With its lively atmosphere, stunning scenery, and convenient travel arrangements, it’s no wonder that these cruises are so popular among  young adults . Whether you’re looking for adventure, culture, or relaxation, Navigator Cruises have it all.

Sail Croatia FAQs

Where does sail croatia start.

Where your Sail Croatia trip begins depends on which itinerary you’ve booked. All Sail Croatia trips will start from either Split or Dubrovnik. This is true for their Navigator, Explorer, Elegance, Cycle, Hike and under 39s yacht tours.

When was Sail Croatia founded

Sail Croatia was founded in 2005 by husband and wife Grant and Helle Seuren. With Grant originally hailing from New Zealand and Helle from Denmark, the couple are avid travellers.

What’s difference between Above Deck and Lower Deck cabins?

All Sail Croatia cruises will offer the option of booking an Above Deck or Lower Deck option. But what is the difference?

• Above Deck cabins offer better views and are larger than Lower Deck cabins. Above Deck cabins are located on the top deck of the ship.
• Lower Deck cabins are in the hull of the ship.
• There are pros and cons to both.
• The Lower Deck cabins are often cooler and quieter at night, as you do not have other travellers passing by your cabin as much as the upper deck cabins.
• With the Above Deck cabins, you’ll get natural light and a breeze to cool you off during those hot summer days.

Each ship is unique and therefore the layout of each ship varies.

Are there any local fees on a Sail Croatia trip?

Yes. You will have to pay 30 Euros per person locally onboard your Sail Croatia cruise. The payment includes port fees and tourist taxes throughout each week and is subject to change.

How much luggage can I bring for my Sail Croatia cruise?

It is highly recommended that you limit your luggage to one suitcase if you are joining your cruise from Europe. In cases where international travellers are flying in just for the cruise or on extended trips, Sail Croatia understands that this may not be possible. You won’t have a very big cabin on a Ensuite or Standard Ship, since Croatian Ships are traditional and the storage on these ships is limited. If you have excess luggage, you might be able to store it under the bed in most cabins; however, please ask the check-in staff about possible storage of excess luggage.

How much is Sail Croatia?

The cost of a Sail Croatia cruise depends on the time of year you depart. A Sail Croatia Navigator Cruise starts from £409 per person. The Explorer Cruise starts from £649 with their luxury Elegance Cruise starting from £899.

Is Sail Croatia worth it?

Sail Croatia is a company that offers sailing tours along the Croatian coastline. They have a fleet of modern yachts, catamarans, and traditional ships, as well as a team of experienced skippers and crew members. Their Navigator cruises are one of the most popular options, as they provide a balance of sightseeing, relaxation, and socialising. The Navigator cruises usually last for one week and cover different destinations, such as Split, Dubrovnik, Hvar, and Korčula. The itinerary includes stops at picturesque bays, historic towns, and lively islands, allowing travellers to explore the rich culture and natural beauty of Croatia. In addition, the cruises offer various activities, such as swimming, sunbathing, snorkeling, and kayaking, as well as optional excursions, such as wine tasting, hiking, and partying. One of the reasons why Sail Croatia is worth it is the quality of their services. They provide comfortable accommodation on board, with ensuite cabins, air conditioning, and free Wi-Fi. They also offer a complimentary breakfast and lunch, as well as a welcome dinner and a farewell party, where travellers can socialise with each other and the crew. Moreover, they have a 24/7 customer support team, who can assist with any queries or issues that may arise during the trip. Another reason why Sail Croatia is worth it is the affordability of their cruises. Compared to other companies, they offer competitive prices, especially during the low season, when the crowds are fewer, and the weather is still pleasant. They also have various promotions, such as early bird discounts, last-minute deals, and loyalty rewards, which can save travellers some money. Lastly, Sail Croatia is the best company for cruising the Croatian coastline because of their expertise and experience. They have been operating for over 15 years and have served thousands of happy customers from all over the world. They know the best spots to visit, the safest routes to take, and the most fun activities to do. They also have a deep respect for the local culture and environment, and encourage responsible tourism practices. In conclusion, if you are looking for a memorable and affordable way to explore the stunning coastline of Croatia, Sail Croatia is definitely worth it. Their Navigator cruises are well-designed, well-executed, and well-priced, making them a popular choice among travellers of all ages and backgrounds. By sailing with Sail Croatia, you can enjoy a hassle-free and unforgettable vacation that will leave you with lasting memories and new friends.

What is Sail Croatia?

Sail Croatia is a well-known tour operator that specialises in providing sailing adventures in Croatia. It was founded in 2003 and has since become one of the leading companies in the sailing industry. Sail Croatia provides two main types of cruises for under 35’s: Navigator and Explorer. Navigator cruises are designed for travellers who want a balance between relaxing on a yacht and exploring the beauty of Croatia. These cruises offer a mix of activities, including swimming in crystal-clear waters, exploring quaint coastal towns, and enjoying the nightlife in popular destinations. Navigator cruises are particularly popular with young adults, who want to enjoy the party scene in places like Hvar and Split. These cruises offer a unique opportunity to enjoy Croatia’s stunning coastline and meet like-minded travellers from all over the world. Explorer cruises, on the other hand, are designed for travellers who are looking for a more adventurous and active holiday. These cruises are perfect for young adults who want to explore Croatia’s rugged coast and islands, with activities such as hiking, kayaking, and paddleboarding. Explorer cruises are ideal for those who love outdoor activities and want to experience Croatia’s natural beauty up close. Both Navigator and Explorer cruises provide travellers with the opportunity to explore Croatia’s beautiful islands and coastline while also enjoying the comfort of a well-equipped yacht. The yachts used for these cruises are all modern, spacious, and fully equipped, providing a comfortable and safe way to explore the Adriatic Sea. The yachts are manned by experienced crew members who are knowledgeable about the local area and can provide valuable insights and advice to travellers. Sail Croatia has become particularly popular with young adults due to the company’s focus on providing a fun, social atmosphere on their cruises. Navigator cruises are especially popular with young adults who want to enjoy the nightlife scene in Croatia, with visits to popular destinations such as Hvar and Split. Sail Croatia also organises on-board parties and social events, allowing travellers to meet new people and make friends from around the world. In conclusion, Sail Croatia offers young adults the chance to experience the beauty of Croatia’s coastline and islands while enjoying the comfort of a well-equipped yacht. The company’s Navigator and Explorer cruises provide a range of activities, from relaxing on the beach to exploring rugged landscapes, making them popular with travellers who want a balance of adventure and relaxation. Sail Croatia’s focus on creating a fun, social atmosphere on their cruises has made them particularly popular with young adults looking for a unique and exciting holiday experience.

Contacting Sail Croatia

+44 20 4525 7534

[email protected]

188 High Street TW20 9ED Egham

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Travel Insurance Options

Because we care about your vacation investment, The Moorings offers two insurance programs to ease any concerns during your charter.  To provide you with peace of mind amid uncertain circumstances, we are also offering new flexible rebooking terms.

Travel Insurance

The Moorings recommends protecting your charter vacation with a travel insurance from our partner Redpoint Travel Insurance . Redpoint’s Harbor plan provides coverage for things like medical expenses, trip cancellation, lost luggage, flight accident, and other losses while traveling internationally or domestically.

This optional travel insurance must be purchased before your final payment. Please visit the Redpoint Travel Insurance website for coverage details and to obtain a quote.

Additional “CFAR” coverage is available via Redpoint too. CFAR (Cancel For Any Reason) allows the insured to cancel their scheduled trip for personal reasons. CFAR upgrades must be purchased within 14 days of the initial deposit for your trip. Exclusions and limitations still apply. 

Find more details at RedpointTravelProtection.com

Flex Protection Plan

Change of plans? Just purchase the Flex Protection Plan within 14 days of confirming your charter and avoid change fees of up to $1000 later.

Read more details about our Flex Protection Plan.

Yacht Damage Waiver

Our Yacht Damage Waiver, offered through The Moorings, reduces your possible financial liability should your yacht or equipment be damaged during your vacation.

Read more details about our Yacht Damage Waiver.

Other Insurance Needs

Some special types of charters will require additional insurance or deposits, such as the Racing Deposit required for yachts chartered for entry into regattas. Please speak to one of our Vacation Planning Specialists for details.

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Plan Your Dream Vacation

Travel insurance for sailing

Travel insurance doesn’t just cover you whilst you are away, it provides cover against problems that may prevent you travelling. So sort out your insurance the minute you book your holiday. Note that we are talking here about personal travel insurance that insures you and your possessions, not any yacht security deposit, damage waiver or similar which is cover for using the yacht.

When to buy : As soon as you book

Cover needed : For sailing up to 12 miles offshore. Repatriation for medical emergencies

Consider : An annual or family policy

Also get: An EHIC

The sale of travel insurance in the UK has been governed by the Financial Services Authority (FSA) and its successor the Financial Conduct Authority (FCA) since 2005.

Many tour operators and travel agents used to act as Agents, selling on behalf of insurance companies and issuing the policies. Increasing regulation means often they now act only as Introducers, who simply refer you to the insurers. A number of holiday companies have ceased offering insurance altogether.

Though arguably less convenient, the changes have perhaps benefited the customer (you) as it has encouraged shopping around. Some travel companies had been accused of selling poor value policies, trading on the convenience of being able to sell the insurance at the same time as the holiday.

You don’t want to have to pay for one of these. And nor will your travel company!

You will find there are a number of specialist insurers offering cover tailored to sailing. However, many conventional travel policies will also cover sailing.

The arrival of the internet has made finding insurance easier. But whether you are buying new or relying on an existing policy, there are four key aspects I suggest you consider:

• Sailing: Many policies have no restrictions on sailing but some consider it as a dangerous sport and may exclude it. Policies that do cover sailing may do so only if you stay within 12 miles of land. If you’re going on a Bareboat or Flotilla holiday, that’s unlikely to be a problem but if you are doing a mile building trip it could be. So make sure you are covered; a policy that excludes the main activity of your holiday is about as much use as a chocolate teapot.
• Booking Conditions: If you are booking a package with flights, most tour operators insist you have personal travel insurance. Some flotilla providers also require this, even if you are booking without flights. Usually, what they really want is to ensure you are covered for repatriation in the event of a medical emergency. The costs of this may otherwise fall on them and hiring a medically equipped jet just for you is a trifle expensive!
• End Supplier failure: With many people now buying the different elements of their holiday separately, some insurance now includes cover for suppliers going bust, for example if your airline fails.
• Your personal requirements: The rest is down to you as to how much cover you want, how much of any loss/expense you’re prepared to pay yourself (the excess) and how much you are willing to pay! It’s worth checking out longer term and family policies which can offer better value than single trip/single person cover. Banks and card issuers sometimes offer free or reduced policies. Do make sure you declare any salient information, such as existing medical conditions which may otherwise result in claims being disallowed (even if apparently irrelevant to your claim).

Note that European travellers can take advantage of reciprocal heath care arrangements by getting a free European Health Insurance card (EHIC). This is a good idea even if you buy travel insurance – your insurers may be reluctant to fund any treatment you could have got for free!

Where do you live

All persons to be insured must reside at a permanent address within the EEC ( Excluding Switzerland, Russia, Belarus, Montenegro and the Ukraine) to be eligible for cover.

Can I take out this insurance if I am already travelling?

When cover is purchased after an Insured Person has departed their home to commence their journey, there is a fixed period of 48 hours prior to cover commencing. Any illness arising during this initial 48 hour period will be an excluded Pre-existing Medical Condition. In the event of serious injury in connection with an accident, you will be covered from the date you take out cover subject to the accident being independently witnessed and also verified by a Medical Practitioner.

There is no 14 Day Cooling off Period and no premium refund will be made if the insured Person has already travelled.

family family 

Definition of a couple

A couple is defined as 2 adults who have been permanently living together at the same address for more than six months, who intend to travel together.

If you do not qualify as a couple, please select individual(s)

Annual Multi-Trip Durations

Annual Multi Trip policies are designed for multiple short holidays leaving from and returning to your home country.

Annual Multi Trip trip limits:

Standard policy - 30 days

Premier policy - 70 days

If you need continuous cover for a year (home visits allowed on policies over 4 months long) select Single Trip or One Way. You can travel around as much as you like, to as many different countries as you like, with a Single Trip or One Way policy.

One Way Trip

Please note a Single Trip policy can cover travels with no return ticket booked, a One Way policy is intended for:

Emigrating to new country where you intend to permanently live

Returning to your home country permanently

All cover ceases upon arrival at final destination

Select the type of policy most suitable for your needs.

Single Trip: A flexible policy with no limits on how many countries you visit or how long you’re away for. Suitable for all types of travel whether it be short term/long stay or backpacking. No return ticket required and unlimited home visits offered on policies over 4 months long.

One Way Trip: Means you are Emigrating to a new country where you intend to live permanently or, returning to your home country permanently. Cover will end upon arrival at your final destination. Please note: There is no cover for emergency return travel expenses if you do not have an original return ticket.

Annual Multi-Trip: This policy covers an unlimited number of trips throughout the 12 month Period of Insurance. Each trip has a maximum stay validity depending on the type of policy chosen. For example, for Standard Policies, the maximum duration of any trip shall not exceed 30 days and for Premier policies, the maximum duration of any trip must not exceed 70 days. 

If you are already travelling it is not possible to purchase the annual multi-trip policy.

Geographical Areas

Europe: Europe means the continent of Europe West of the Ural Mountains, and includes the Isle of Man, the Channel Islands, Iceland, Jordan, Madeira, the Canary Islands, the Azores and Mediterranean Islands as well as all countries bordering the Mediterranean. Australia & New Zealand: a) For any period of cover purchased, a 48 hour stop-over anywhere in the World for both outward and return travel will be included. b) If the period of cover purchased is two months or more, a stop-over of 7 days/nights anywhere in the World will be included. Worldwide excluding North America & Mexico: (North America means the USA, Canada & Mexico.) a) For any period of cover purchased, a 48 hour stop-over anywhere in the World for both outward and return travel will be included. b) If the period of cover purchased is two months or more, a stop-over of 7 days/nights anywhere in the World will be included. Worldwide including North America & Mexico: Worldwide means anywhere in the World including the USA, Canada & Mexico.

Automatic Trip Extension   If the Insured Person is prevented from completing their travel before the expiration of this Insurance as stated under the Period of Insurance on the Booking Invoice or Validation Certificate (as applicable) for reasons which are beyond their control, including ill health or failure of public transport, this Insurance will remain in force until completion but not exceeding a further 31 days on a day by day basis, without additional premium. In the event of an Insured Person being hijacked, cover shall continue whilst the Insured Person is subject to the control of the person(s) or their associates making the hijack during the Period of Insurance of a period not exceeding twelve months from the date of the hijack. Please ensure you arrange cover for the entire duration of your travel

Where you normally reside

Where do you normally reside? Where do you normally reside? Please use the drop down box to choose your country of residence. Note we can only insure residents of the UK & EEA Countries. Can I take out this Insurance if I’m already abroad? If you are normally a resident of the UK or EEA Countries and your insurance has run out, you may take out cover online with us. This is on the understanding that nothing has occurred at the time of taking out the cover which has led to a claim or may lead to a potential claim. Note you cannot take out our Multi-Trip Insurance if you are already abroad. Do you have minimum residency requirements? No. If you are, for example, a British Passport holder and have right of abode in the UK, we are not concerned as to how many months in the past year you have been in the UK provided at the time of arranging this insurance you have a UK residential address.

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Up to £10m Medical Cover.

Our premier sailing travel insurance provides cover up to £10 million in medical, hospitalisation and repatriation expenses, up to £5m for our standard policy; and up to £2m for our budget policy. All policies include 24 hour emergency medical assistance including Air Ambulance/helicopter rescue and up to £2,000,000 personal liability.

Sailing and Water Sports

Included in all the Policies, The Standard Pack covers you for sailing in coastal waters, water skiing, surfing, and scuba diving up to 18m. With our Activity Pack add-on we can cover sailing outside coastal water/off shore sailing - defined as 12 miles or more from the coastline as well as water sports such as jet skiing, scuba diving to 40m, wind surfing  or even shark cage diving!

Working as a crew member

Working as a crew member in hospitality or light manual work onboard sailing yachts, motorboats, super-yachts or cruise liners is covered automatically. If you will part taking in any sort of manual labour work our Activity Pack can cover you.

Water Sport activities included

Up to £10m medical cover, helicopter rescue included, 24 hour emergency helpline, sailing travel insurance.

Key Benefits of our Sailing Insurance

• Emergency Medical and Repatriation Expenses up to £10 million.
• Personal Liability up to £2 million.
• Helicopter Rescue.
• Sailing outside coastal water with our activity pack add-on.
• Baggage & Personal Effects up to £2,000.
• Gadgets & Valuables up to £1,000.
• Legal Expenses up to £15,000.
• Personal Money up to £500.
• Tickets up to £1,000.
• Passport and Visa up to £300.
• Money-back 14-day cooling off period if you decide to cancel prior to departure.

You are covered for any medical treatment required, and also for Air Ambulance if it is medically necessary to take you to the nearest hospital or clinic for treatment. You will also be covered for repatriation back to your home country if it is necessary that you receive further treatment at home.

Yes! We specialise in covering people who’ve already left their Home Country, as long as you haven't picked up permanent residency status in another country.

If cover is purchased after an Insured Person has departed their home to commence their journey, there is a fixed period of 48 hours prior to cover commencing. For cover to apply the Already Travelling extension must be shown on your Booking Invoice or Validation Certificate (as applicable). Any illness arising during this initial 48 hour period will be an excluded Pre-existing Medical Condition. In the event of serious injury in connection with an accident, you will be covered from the date you take out cover subject to the accident being independently witnessed and also verified by a Medical Practitioner.

To declare any pre-existing medical conditions, please visit our online medica l screening service.

If you would rather undergo your medica l screening by telephone, please get in touch with us on 01702 427237 and any of our agents will be happy to assist you. This is a secure and confidential service which allows you to declare any pre-existing medica l conditions you may have, as defined by your Big Cat policy wording. Whilst the medical screening helpline is optional we highly recommend it   as it ensures that if anything happens to you on your trip caused by your pre-existing medical condition, you are completely covered.

You will be advised whether the Pre-Existing Medical Condition may be covered, an optional additional premium may be quoted and whether any amendments will be made to the policy terms and conditions. During this process you will be asked for your personal and travel details, additionally, please have your insurance policy to hand if known. 

If terms can be provided for the condition and you elect to take up the offer of the additional cover, you will be given a medical screening reference number and a letter will be sent to you upon receipt of payment. Any additional premiums must be paid directly to the medical screening helpline.

Should you not contact the medical screening helpline or not wish to take advantage of the optional terms quoted by the medical screening helpline, you will not be covered for any claims arising directly or indirectly from a Pre-existing Medical Condition.

There is no cancellation or curtailment cover for a Pre-Existing Medical Condition of persons who are not covered by your policy such as a Close Relative , unless disclosed to the medical screening helpline by that same Close Relative and additional cover agreed.

Definition of a Pre-Existing Medical Condition:

a) Any respiratory condition (relating to the lungs or breathing), heart condition, stroke, Crohn’s disease, epilepsy, allergy, or cancer for which you (or any other person not necessarily travelling but upon whom travel depends such as a Close Relative) have ever received treatment (including surgery, tests or investigations by your Medical Practitioner or a consultant/specialist, or prescribed drugs/medication).

  b) Any Medical Condition for which you (or any other person not necessarily travelling but upon whom travel depends such as a Close Relative) have received surgery, in-patient treatment or investigations in a hospital or clinic within the last twelve months, or prescribed drugs/medication.

You do not need to call the medical screening helpline in respect of the following automatically covered pre-existing medical conditions, as they are automatically covered at no additional premium provided you do not also have a pre-existing medical condition. If you have a pre-existing medical condition in addition to any of the following automatically covered pre-existing medical conditions all conditions will be excluded from cover, unless disclosed to the medical screening helpline and additional cover agreed in writing.

A cne, ADHD, Allergic reaction (Anaphylaxis) provided that you have not needed hospital treatment for this in the last 2 years, Allergic rhinitis, Arthritis (the affected person must be able to walk independently at home without using mobility aids), Asthma (the diagnosis must have been made when the affected person was under the age of 50, and the asthma be controlled by no more than 2 inhalers and no other medication),

B lindness or partial sightedness,

C arpal tunnel syndrome, Cataracts, Chicken pox – if completely resolved, Common cold or flu, Cuts and abrasions that are not self-inflicted and require no further treatment, Cystitis – provided there is no on-going treatment,

D eafness, Diabetes (which is controlled by diet or tablets only), Diarrhoea and vomiting – if completely resolved,

E czema, Enlarged prostate – benign only, Essential tremor,

G laucoma, Gout,

H aemorrhoids, Hay fever,

L igament or tendon injury – provided you are not currently being treated,

M acular degeneration, Menopause, Migraine – provided there are no on-going investigations,

N asal polyps,

R SI, Sinusitis – provided there is no on-going treatment,

S kin or wound infections that have completely resolved with no current treatment,

U nder active Thyroid (Hypothyroidism), Urticaria,

V aricose veins in the legs.

To declare any pre-existing medical conditions,

please visit our online medical screening

If you would rather undergo your medical screening by telephone,

please get in touch with us on 01702 427237 and any of our agents will be happy to assist you.

This is a secure and confidential service which allows you to declare any pre-existing medical conditions you may have,

as defined by your Big Cat policy wording.

Area 1: UNITED KINGDOM ONLY Whilst insurance is available for holidays in the United Kingdom, Section A. Medical Expenses and Personal Liability. 1. Medical and Associated Expenses, 2. In Patient Benefit and 3. Criminal Injuries Benefit shall be inoperative if an Insured Person’s Home Country is the United Kingdom.

Area 2: EUROPE Europe means the continent of Europe West of the Ural Mountains, and includes the Isle of Man, the Channel Islands, Iceland, Jordan, Madeira, the Canary, Azores and Mediterranean Islands as well as all countries bordering the Mediterranean.

Area 3: AUSTRALIA and NEW ZEALAND (a) For any period of cover purchased Area 3 can include a 48 hour stop-over anywhere in the World for both outward and return travel. (b) If the period of cover purchased is two months or more Area 3 can be extended to include a maximum of 7 days/nights anywhere in the World.

Area 4: WORLDWIDE EXCLUDING NORTH AMERICA North America means the USA ,Canada & Mexico. (a) For any period of cover purchased Area 4 can include a 48 hour stop-over anywhere in the world for both outward and return travel. (b) If the period of cover purchased is two months or more Area 4 can be extended to include a maximum of 7 days/nights anywhere in the World.

Area 5: WORLDWIDE INCLUDING NORTH AMERICA Includes travel to the USA, Canada & Mexico.

Big Cat Travel Insurance Services, a trading name of Flynow.com Ltd (registration No.FRN 745388)   is an Appointed Representative of Campbell Irvine Ltd (registration No.306242) who are authorised and regulated by the Financial Conduct Authority. You may check this on the Financial Services register www.fca.org.uk  or by contacting them on (0) 800 111 6768. © 2023 Big Cat Travel Insurance Services.  All rights reserved.

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List of automatically covered medical conditions that do not need to be declared

Acne, ADHD, Allergic reaction (Anaphylaxis) provided that you have not needed hospital treatment for this in the last 2 years, Allergic rhinitis, Arthritis (the affected person must be able to walk independently at home without using mobility aids), Asthma (the diagnosis must have been made when the affected person was under the age of 50, and the asthma be controlled by no more than 2 inhalers and no other medication), Blindness or partial sightedness, Carpal tunnel syndrome, Cataracts, Chicken pox - if completely resolved, Common cold or flu, Cuts and abrasions that are not self-inflicted and require no further treatment, Cystitis - provided there is no on-going treatment, Deafness, Diabetes (which is controlled by diet or tablets only), Diarrhoea and vomiting - if completely resolved, Eczema, Enlarged prostate - benign only, Essential tremor, Glaucoma, Gout, Haemorrhoids, Hay fever, Ligament or tendon injury - provided you are not currently being treated, Macular degeneration, Menopause, Migraine - provided there are no on-going investigations, Nasal polyps, PMT, RSI, Sinusitis - provided there is no on-going treatment, Skin or wound infections that have completely resolved with no current treatment, Tinnitus, Underactive Thyroid (Hypothyroidism), Urticaria, Varicose veins in the legs.

Important information

If you have a medical condition in addition to any of the automatically covered medical conditions, all conditions will be excluded from cover unless declared to the medical screening helpline.

What is classed as a medical condition?

a Any respiratory condition (relating to the lungs or breathing), heart condition, stroke, Crohn’s disease, epilepsy, allergy, or cancer for which you have ever received treatment (including surgery, tests or investigations by your doctor or a consultant/ specialist or prescribed medication).

b Any psychiatric or psychological condition (including anxiety, stress and depression) for which you have suffered which you have received medical advice or treatment or been prescribed medication for in the last five years.

c Any medical condition for which you have received surgery, in-patient treatment or investigations in a hospital or clinic within the last 12 months, or for which you are prescribed medication.

Any premium for medical screening quoted can be paid directly. This can be done either before or after taking out a policy with us. The policy and medical extension connect automatically, no reference numbers need to be exchanged.

Choosing not to declare a medical condition will not invalidate cover, but any costs incurred in relation to an undeclared condition will not be covered.

If making a declaration all medical conditions must be declared, you can't choose to only declare certain conditions.

Medical conditions can only be declared for up to 12 months at a time. A second declaration will have to be made after 12 months if necessary.

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Award Winning Croatia Sail Tours For Young Professionals

Upcoming Tours Adriatic Explorer

What we're known for, our Adriatic Explorer tours!

Fun fact, Croatia sits in the beautiful waters of the Adriatic Sea, where the coastline is often referred to as the Dalmatian Coast. Sometimes the local people of Croatia will refer to their land as Dalmatia, or themselves as Dalmatians.

We pay homage to the incredible beauty of the Adriatic Sea by electing Adriatic Explore r as the namesake for our Croatia Sail Tours.

Our week-long tours run throughout the Croatian Summer season, giving our guests the perfect opportunity to experience Croatia in all it's beauty.

Spots are filling up quickly for our 2024 season, and we don't want you to miss out!

Our specially curated itinerary ensure you experience all of the hidden, and the not-so hidden, gems of Croatia. With a beautiful mix of island hopping and stops along the mainland, your week will be filled with culture, adventure and beautiful waters.

Sprinkled in amongst our daily stops and explores on land, we have plenty of onboard action planned! Daily swim stops, 3-course meals and a group of incredible, like-minded people to get to know.

Our entire itinerary is optional, so if you'd rather take a timeout and sunbake up on the top deck, best our guest - the week is yours to make your own!

SPLIT TO SPLIT

All of our tours start and end in the Port of Split, making it easy for you to get on and off the boat. Split Port is a hive of activity, full of boats and excited people during the Croatian summer season. It's also a hub for transport options, being close to the airport, buses and ferry's.

Hot Tip: A lot of our guests book a night of accom in Split both before and after the Sail tour.

By The Day...

Check out our day-by-day itinerary for our Adriatic Explorer tours.

Each day is different on tour, keeping your experience exciting and unknown.

Day 1 - Split to Hvar

Welcome! As you settle in to your new home onboard, we set sail to the beautiful island of Hvar.

Enjoy a 3-course lunch on board and your first of many swim stops. Upon docking in Hvar, we explore our way up to a 6th-century Spanish fortress. Trust us, the short trek is worth the view of the Pakleni Islands!

We share a delicious family meal onboard for dinner in our dining room, then head out for our first night in one of Europe's most popular nightlife destinations - did someone say Carpe Diem?!

Seasons Of Experience

Roam Sailing has been adventuring around Croatia for years, making us the experts in Croatia Sail experiences with local friends at every turn.

Our tours are a chance for you to immerse yourself in the Croatian culture, see the beautiful sights and learn about their people, places and history as we go.

Don't Just Hear It From Us, See What Our Guests Have to Say...

Cruise Croatia announces 2025 small-ship cruising lineup

Specialist small-ship cruise line Cruise Croatia has launched its 2025 small-ship cruising program, with 105 guaranteed seven-night departures available throughout the season. The luxury yacht operator will deploy five vessels across the season, with departures from early May to mid-October next year.

The itineraries, available to book now, sail between Split and Dubrovnik, taking in the spectacular Dalmatian coast. Ports of call include well-known favorites such as the medieval towns of Trogir and Hvar, alongside lesser-known, hidden gems such as Korcula, Vis, and the national parks of Mljet and Krka.

In addition to the existing lineup, the 2025 season features a new Signature Croatia Hidden Gems Cruise. The seven-night voyage will sail from Split to Opatija, on June 21 and September 20, 2025, on the 36-passenger M/S My Wish. The cruise will visit hidden gems like Sibenik, Zadar, and undiscovered islands such as Losinj, Krk, and Rab. This itinerary will also take guests to the magnificent Plitvice Lakes with its seemingly endless waterfalls.

Cruise Croatia is also running other favorites, like the Signature Opatija to Dubrovnik cruise, which takes in the full length of the Croatian coastline. This route has proved popular with guests looking to enjoy sailing through four different archipelagos, namely the Kvarner Islands, Kornati Islands, Pakleni Islands, and the Elaphiti Islands, each offering guests a different landscape and experience.

“With five luxury ships in operation, we have an unbeatable choice for customers to visit the most popular destinations in Croatia, as well as stunning, undiscovered hideaways only accessible via smaller vessels,” said Graham Carter, co-founder and Chief Commercial Officer at Cruise Croatia.

To celebrate the launch of its upcoming itineraries, Cruise Croatia is offering €75 per cabin bar credit and a three-course traditional Croatian village dinner experience in Korcula for any May 2025 departure booked by June 30, 2024. Plus, for group bookings of 10 or more, guests will receive a 5% reduction in cabin costs, alongside €50 per person in onboard credit. The group organizer will also receive a 50% savings on their cabin cost.

Each sailing includes sea-view accommodation; breakfast, lunch, and two on-board dinners; daily excursions including guided tours, wine tasting, and park entrance; use of water toys; on-board educative lectures; private airport transfers in Croatia on arrival and departure and a privilege card offering exclusive rates at restaurants on shore. Rates start at $1975 per person.

TikTok: 2023’s Hottest Travel Destinations Right Now

Since you're here...

...there are many ways you can work with us to advertise your company and connect to your customers. Our team can help you design and create an advertising campaign

We can also organize a real life or digital event for you and find thought leader speakers as well as industry leaders, who could be your potential partners, to join the event. We also run some awards programmes which give you an opportunity to be recognized for your achievements during the year and you can join this as a participant or a sponsor.

Let us help you drive your business forward with a good partnership!

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Best Cruise Travel Insurance of May 2024

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Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

A cruise vacation can take much of the stress out of planning a vacation. With a pre-set itinerary on the high seas, you don't have to worry about how you're getting to your destination and what you're going to do there. However, an unexpected emergency can take the wind out of your sails and money out of your travel budget. So you'll want to ensure you have the best cruise insurance plan that won't leave you high and dry in an emergency.

Our top picks for the best cruise insurance

• Best Overall: Nationwide Travel Insurance
• Best for affordability: AXA Assistance USA
• Best for seniors: Seven Corners Travel Insurance
• Best for expensive trips: HTH Worldwide Travel Insurance
• Best for exotic locations: World Nomads Travel Insurance

How we rate cruise insurance companies »

Compare the top cruise travel insurance companies

While booking a cruise takes off much of the pressure when coming up with itineraries, your trip can still encounter several hitches, which is where cruise travel comes in. The best cruise travel insurance will have high coverage limits on emergency medical evacuations, as sea to land evacuations can be expensive. They'll offer coverage for baggage delay, trip interruption, and it might be a good idea to have some adventure sports coverage if you plan on participating in any outdoor activities like snorkeling or scuba diving. 

Here are our picks for the best cruise travel insurance companies in 2024.

Best overall: Nationwide

Nationwide Travel Insurance  is a long-standing and reputable brand within the insurance marketplace that offers cruise insurance plans with solid coverage and reasonable rates.

It has three cruise insurance options: Universal, Choice, and Luxury. The Nationwide Choice plan, for example, offers $100,000 in emergency medical coverage and $500,000 in emergency medical evacuation coverage.

The right plan for you depends on your budget and coverage needs. But each plan offers cruise-specific coverages like ship-based mechanical breakdowns, coverage for missed prepaid excursions if your cruise itinerary changes, and covered service disruptions aboard the cruise ship.

Read our Nationwide Travel Insurance review here.

Best for affordability: AXA

AXA Assistance USA  offers three comprehensive coverage plans: Gold, Silver, and Platinum. Each of these plans offers coverage for issues like missed flights, medical emergencies, lost luggage, and more.

The highest-tier Platinum plan provides $250,000 in medical emergency coverage and $1 million in medical evacuation coverage. The baggage loss coverage is $3,000 per person, and their missed connection coverage is $1,500 per person for cruises and tours.

In addition, travelers can take advantage of AXA's concierge service, which provides an extensive network of international service providers. They'll be able to assist you with things like restaurant reservations and referrals, golf course information, and more. This service could come in handy if you're stopping at a variety of unfamiliar destinations during your cruise.

The coverage limits on AXA's policies are on the higher end compared to other providers. And you can buy coverage for a little as 4% of your trip cost depending on your age, travel destination, and state of residence.

Read our AXA Travel Insurance review here.

Best for seniors: Seven Corners

Seven Corners Travel Insurance lets cruisers enjoy traveling in their golden years with the knowledge they're covered in the event of an accident or emergency. While other providers do offer coverage to those 80+ years old, Seven Corners is known for its affordable premiums while offering above-average medical expenses and medical evacuation coverage limits — two areas of travel insurance coverage that are even more important as we get older.

Seven Corners also offers the option of a preexisting conditions waiver and CFAR insurance at an additional cost, plus "Trip Interruption for Any Reason" coverage, which you won't find on many policies.

You can choose between the Trip Protection Basic or Trip Protection Choice plans, with the higher-tier Choice plan costing more but providing more coverage.

Read our Seven Corners Travel Insurance review here. 

Best for expensive trips: HTH Worldwide

HTH Worldwide Travel Insurance  offers three levels of trip protection: TripProtector Economy, Classic, and Preferred. The higher the tier, the more coverage you'll get for things like baggage delays, trip delays & cancellations, and medical expenses. But their premiums remain reasonable even at the highest tier of coverage.

Not only does the HTH Worldwide Trip Protector Preferred plan offer higher-than-average medical emergency and evacuation coverage limits ($500,000 and $1 million, respectively), but you'll also get a baggage loss coverage limit of $2,000 per person and coverage for trip interruption of up to 200% of the trip cost. You also have the option to add CFAR coverage for an additional cost.

Read our HTH Worldwide Travel Insurance review here.

Best for exotic locations: World Nomads

World Nomads Travel Insurance  has been a top choice for comprehensive travel insurance for many years now. And it's a great option when it comes to cruise coverage, too.

Even the most basic Standard Plan comes with $100,000 in medical emergency coverage and $300,000 in emergency evacuation coverage. And you'll get higher coverage limits with their Premium Plan. Plus, unlike many other providers, World Nomads trip cancellation and emergency medical coverage include COVID-19-related issues.

What sets World Nomads apart from many other insurance companies is that its policies cover 200+ adventure sports. This can be important for adventurous cruisers who plan to take part in activities like jet skiing, scuba diving, or parasailing during their cruise.

Read our World Nomads Travel Insurance review here.

Introduction to Cruise Insurance

Cruise insurance may offer unique coverage like missed port of call and medical evacuation coverage. You might not need the flight protections of a regular travel insurance plan if you're catching a cruise at a port near you, but medical and cancel for any reason coverage could be critical. The best travel insurance plans will provide flexibility to add coverage options to fit your travels needs.

Understanding the Basics of Cruise Insurance

At its core, cruise insurance is your financial lifeboat, designed to protect you from unforeseen events that could disrupt your sea voyage. Whether it's a sudden illness, adverse weather, or other unexpected occurrences, having the right insurance can make a world of difference.

Why Cruise Insurance is Important

Picture this: You're all set for your dream cruise, but a sudden family emergency means you can't set sail. Or worse, you fall ill in the middle of the ocean. Without cruise insurance, you're not just missing out on an adventure, but also facing potentially huge financial losses. That's why securing cruise insurance isn't just recommended; it's a crucial part of your cruise planning.

Types of Cruise Insurance Coverage

Cruise insurance isn't a one-size-fits-all life jacket. There are various types of coverage, each tailored to protect different aspects of your cruise experience.

Trip Cancellation and Interruption Coverage

This coverage is like your safety net, catching you financially if you need to cancel your trip last minute or cut it short due to emergencies, be it due to personal, health-related, or even certain work conflicts.

Medical Coverage

Being on a cruise shouldn't mean being adrift from medical care. Medical coverage ensures that if you fall ill or get injured, your medical expenses won't sink your finances.

Emergency Evacuation Coverage

In the rare case that you need to be evacuated from the ship due to a medical emergency or severe weather, this coverage ensures you're not left adrift in a sea of expenses.

Baggage and Personal Effects Coverage

Imagine reaching your dream destination only to find your luggage lost at sea. This coverage ensures that lost, stolen, or damaged baggage doesn't dampen your cruise experience.

Buying Cruise Insurance

Securing the best cruise insurance isn't just about finding the best price; it's about ensuring it covers all your potential needs. 

When to Purchase Cruise Insurance

Timing is everything. Purchasing your insurance soon after booking your cruise can often provide additional benefits and ensure you're covered for any early surprises. As you get closer to your trip your coverage options may get more expensive, and certain providers may not be able to offer you coverage.

How to Find the Best Deals on Cruise Insurance

Keep a lookout for deals, but remember, the cheapest option isn't always the best. Balance cost with coverage, and ensure you're getting the protection you need at a price that doesn't rock your financial boat. A travel insurance comparison site like SquareMouth is a good place to compare multiple quotes from all of the major carriers at once.

How we reviewed cruise insurance plans

When comparing cruise travel insurance providers, we evaluated them based on the following criteria to come up with our list of top picks:

Customer Satisfaction

We look at ratings from JD Power and other industry giants to see where a company ranks in customer satisfaction. We also look at customer review sites like Trustpilot and SquareMouth.

Policy Types

We look at policy types and offerings, from standard travel protections to adventure sports coverage. We look at the amount of insurance offered

Average Premiums

We compare average premiums per trip. Some companies also offer annual plans, and we compare policies accordingly.

Claims Paid

How frequently do companies pay claims easily and quickly? We check customer reviews and other resources to see which companies honor policies most effectively.

We look at the company's overall behavior. Is it operating ethically? Companies can earn additional points for such behaviors.

You can read more about how Business Insider rates insurance here.

Best cruise travel insurance FAQs

How much does insurance cost for a cruise.

As a rule of thumb, you can expect to pay between 5% and 10% of your prepaid, nonrefundable trip expenses for cruise insurance coverage. The price will vary depending on factors like your age, your travel destination, and whether you require additional coverage.

When is the best time to buy cruise insurance?

If you're booking a cruise, we recommend purchasing travel insurance when you make your first trip payment. That could be for the cruise itself or an expense like airfare to get you to your cruising destination. This way, if you have to cancel your trip, you'll have the most extended coverage period possible.

What cruise insurance coverage do I need?

Your cruise insurance should have high coverage limits for emergency medical evacuations, trip delays, interruption, and adventure sports.

What is the difference between travel insurance and cruise insurance?

The difference between traditional travel insurance and cruise insurance is that cruise insurance offers more specialized coverage, for situations such as missing a departure port and more coverage for medical evacuations, since it's more expensive to evacuate someone at sea than on land. 

Can I claim for missed ports on a cruise?

Most cruise insurance includes coverage for missing a departure port, so you should be able to claim for a missed port. Just make sure you check the details of your policy before you file a claim, and before you travel so you know what compensation you're entitled to.

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