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Travel insurance for Montenegro

Discover Montenegro’s wild side with World Nomads

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Jagged mountains, epic coastlines, and ancient towns…it’s fair to say Montenegro’s got it all. As exciting as an overseas adventure can be, things can go sideways—whether you're trekking the Prokletije or wandering Kotor’s cobbled streets—travel insurance may be the ticket to continuing your epic adventure..

What should I look out for when traveling to Montenegro?

Whether you're hiking the mountains or working remotely as a digital nomad, Montenegro’s packed with adventure, but we all know things don’t always go as planned when traveling abroad. Things can (and do) go wrong—from lost luggage to sudden weather shifts—World Nomads may be able to come to your aid in the following situations:

  • Baggage cover: Imagine landing in another country without your luggage…With World Nomads, you could be covered for lost, delayed, or stolen baggage.
  • Digital nomads: traveling while working remotely? Don’t forget to protect your gear. Depending on your plan and country of residence, some of our policies cover electronics like laptops and cameras, no matter where you roam. 
  • Trip delay and cancellation coverage: Life can be unpredictable, whether an unexpected illness or bad weather. If, for some reason, you need to cancel your trip, our trip cancellation coverage could reimburse prepaid, non-refundable bookings. 
Panoramic view of the historic town of Kotor, with famous Bay of Kotor
Aerial view of the old town in Kotor, Montenegro. Photo credit: Getty Images/ Anton Petrus

What’s covered

Whether tackling Montenegro’s rugged mountains, cycling through scenic coastal routes, or exploring its ancient towns, World Nomads offers two travel insurance plans, Standard and Explorer, which provide cover (up to policy limits) for:

  • Emergency medical travel insurance: From minor injuries to significant health issues, our plans cover overseas medical expenses, so you can focus on recovering, not the bills.
  • Medical evacuation coverage: If you need urgent medical treatment far from home, we may arrange transport to the nearest appropriate facility.
  • Medical repatriation: In severe cases, we can help get you back home for further medical care.
  • Emergency assistance: Our 24/7 Emergency Assistance Team is always ready to guide you through any crisis, no matter where your adventure takes you.

Activities in Montenegro

From hiking the stunning trails of Biogradska Gora National Park to mountaineering through the rugged Prokletije range, mountain biking and canyoning to whitewater rafting on the Tara River, there’s no doubt Montenegro’s a playground for adventurers. Whether scaling peaks, diving into crystal-clear waters, or embarking on a multi-day trek, World Nomads offers travel insurance for 150+ adventure sports and activities. 

What’s not covered

We aim to please, but we don’t cover everything. Here are some instances where our travel insurance won’t cover you:

  • No cover for reckless behaviour: You won't be covered if you’re not playing by the rules or acting recklessly (like ignoring local laws).
  • Alcohol or drugs: Any incidents that happen while you’re under the influence won’t be covered.
  • Unattended belongings: If you leave your gear unguarded or in an unlocked car, and it’s stolen, that’s on you.
  • Activities outside your policy: Planning to try something extreme? Make sure it’s listed in your coverage, or you won’t be covered if something goes wrong.

Dive into your policy details for the full scoop, and if anything needs to be clarified, contact us. 

When it comes to your policy, don’t just skim the fine print—read it thoroughly. Make sure you know exactly what’s covered (and what’s not). Some activities might require specific qualifications, licenses, or the guidance of a pro. 

Montenegro, Adriatic coast, Bay of Kotor, Kotor, village of Perast, church tower
Montenegro, Kotor bay, Perast village. Photo credit: Getty Images / Tuul & Bruno Morandi

Traveler Tip 1: Montenegro’s coastal gems, like Kotor, are breathtaking. If you don’t enjoy the chaos of a summer crowd, consider visiting during the shoulder seasons—spring or early autumn—when you can enjoy the beauty without the bustle.

Traveler tip 2: Montenegro’s mountain weather can be unpredictable, so pack layers.

Traveler tip 3:  Plan your adventures before purchasing your policy to ensure adequate coverage. Once the policy is in place, you can’t change it.

Travel Insurance Benefits: how we can take care of you*

Trip Cancellation

Been working hard for your trip?

We'll work hard to protect it.

Trip Protection
  • Unexpectedly hospitalised?
  • Travel buddy unfit to travel?
  • Close relative suddenly dies?

We’ve got your back.

Emergency Medical Expenses

Feeling fit and healthy? What if you get sick or injured?

Take the pain out of medical or dental costs.

Emergency Medical Insurance
  • Need meds quick?
  • Accidentally injured?
  • Suddenly sick?

We’ve got your back.

Emergency Medical Transportation

Know where the nearest hospital is?

Don’t stress, we’ll get you there quickly.

Evacuation and Repatriation
  • Banged up abroad?
  • Need a hospital urgently?
  • Medivac home?

Help starts here.

Protect your gear

Love photography, filming or sport?

Cover your bags, tech or gear.

Protect your gear
  • Passport stolen?
  • Airline lost your gear?
  • Bags delayed?

Help starts here.

  • Emergency Overseas Medical & Dental Expenses
  • Emergency Medical Evacuation & Repatriation
  • Trip Cancellation or Interruption
  • 24-Hour Assistance Services
  • Baggage
  • And more (depending on your country of residence)
*This is a general summary only. Restrictions, exclusions and limitations will apply. Coverage may not be available for all countries, states or provinces. Benefit limits may vary depending on the plan chosen. Get a quote for full details.

24/7 emergency assistance

Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.

Are you in need of emergency assistance right now?

Contact the team

FAQ

Here are our most frequently asked questions about Montenegro. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team.

  • Do I need travel insurance for Montenegro?
    While it’s not mandatory to have travel insurance for Montenegro, it's highly recommended. From hiking in rugged mountain ranges to exploring coastal towns, unexpected mishaps—whether medical or logistical—can happen.
  • Does travel insurance cover altitude sickness in Montenegro?
    Some travel insurance plans might cover medical treatment for altitude sickness if you're trekking through Montenegro's higher-altitude spots like Durmitor National Park. Check altitude limits in your policy—depending on your country of residence, you may need additional coverage if you’re climbing above a certain height.
  • How reliable is the healthcare system in Montenegro?
    The Montenegro healthcare system offers basic services in urban areas, but facilities may be limited in more remote areas (like in the mountain ranges). In some severe cases, travellers may find themselves needing to be transported to a nearby country like Croatia—which could be costly without travel insurance.
  • Is Montenegro prone to extreme weather conditions?
    Montenegro has a reputation for snap storms, surprise snowfalls, and coastal flash floods. While our adventurers relish a good surprise, these natural twists aren't quite the thrills they seek—which is why they travel with travel insurance, for when Mother Nature gets a little moody.