Serbia Travel Insurance (4 Best Sites to Search in 2023)

Planning a trip to Serbia and wondering where to find travel insurance for Serbia? In this post, I will quickly explain the key things you need to know about Serbia travel insurance.

As a former insurance litigator turned travel blogger, I often get asked whether I buy travel insurance. And the answer is, yes, I do. After over half a decade on the road, I’ve just had too much go wrong along the way. Luckily, my trip to Serbia didn’t have any problems but I still purchase travel insurance for peace of mind.  

Here’s what we’ll cover:

Best Sites | Requirements | Safety | Tips | FAQs

Disclaimers: We are not insurance brokers. This post is for informational purposes only and is not insurance advice. Links on this page are affiliate links. Using them supports this independent blog with a small commission. See our Advertising Policy for further explanation. Thank you!

Best Serbia Travel Insurance Sites to Search

TravelInsurance.com (#1 Overall)

What I like about TravelInsurance.com is the ability to compare the rates of several companies all at once. You can easily find travel insurance for Serbia by comparing different policy providers quickly and finding the best plan for your group.

Another feature that I enjoy on the website is the customer reviews of each provider. When you compare plans, you want to think about each provider’s price, coverage, and benefits, and this site makes that easy to do. Plus, the site has handy filters for things like covid-19 benefits.

VisitorsCoverage (Insurance Comparison Site)

Another place to quickly compare quotes for travel insurance is VisitorsCoverage. Just enter a few details about your trip to Serbia, and you can quickly see quotes from several different insurers side by side. There are options to filter and sort the quotes as well.

One thing that sets VisitorsCoverage apart from other sites is that you have the option to search for either travel medical insurance (focusing on emergency medical costs) or trip insurance more generally (focusing on things like trip delay, trip interruption, and trip cancellation coverages).

That makes this site very flexible and easy to customize to your needs. Plus, if you only need medical coverage, you may find it will pull the cheapest travel insurance for Serbia on the market.

Genki (Digital Nomad Health Insurance)

I recently started using Genki for my own personal travel medical insurance, and so far I’ve been really happy with this innovative company.

There are some key differences between Genki and the other travel insurance providers on this list, however. First, Genki is not comprehensive travel insurance. It focuses on travel health insurance. But they do not sell coverage for trip cancellation, trip delay, lost luggage, or the other benefits that are common in Serbia travel insurance policies.

The second difference is that Genki works on a monthly subscription basis (more like normal health insurance). This means it’s really marketed at digital nomads, remote workers, and long term visitors.

Serbia is becoming such a popular digital nomad destination, so if you’re one of the nomads looking at basing yourself in Belgrade or Novi Sad, this might be worth looking into.

Insure My Trip (Comparison Site for Seniors)

Most seniors enjoy their retirement years by traveling, and Insure My Trip can be a good site to search for travel insurance for those young-at-heart (70-year-olds and older) or with pre-existing medical conditions.

In my experience, Insure My Trip tends to return the most results for seniors and those with pre-existing conditions. This website also lets you compare different policy providers’ plans to find your best option.

However, I find the interface a bit clunky in comparison to the smooth interfaces of TravelInsurance.com or VisitorsCoverage.

Serbia Travel Insurance Requirements

Serbia does not require travel insurance to visit as a tourist. Customs agents will not ask for proof of insurance and you can travel internationally without insurance. However, many travelers choose insurance in order to protect against covered emergencies such as illness or injury during travel. 

In this next section, I’ll cover some of the reasons why I chose to insure my trip to Serbia.

Reasons to Get Serbia Travel Insurance

I personally choose to purchase travel insurance wherever I go, including Serbia. This is true even though travel insurance is not a requirement to enter Serbia. There are a lot of places to see in Serbia, and I find that travel insurance can help give me peace of mind when planning my trip.

Here are a few reasons why I choose to travel to Serbia with insurance: 

COVID-19 in Serbia

Although we all wish covid-19 was fully behind us, the reality is that it can still disrupt travel in so many ways. Catching covid before a trip might require trip cancellation, while getting it during the trip could result in a severe interruption. Either way, a case of covid-19 can seriously ruin a trip to Serbia — and cost a lot of money.

While no travel insurance policy covers all the many costs associated with covid-19, I like that TravelInsurance.com makes it easy to see what is and isn’t covered. They also have handy filters that let users search for policies with explicit covid-19 benefits.

Trip Cancellation and Trip Interruption

I like to purchase travel insurance for peace of mind, whether or not there’s a global virus affecting the world. No matter what country you visit, it’s a good idea to have travel insurance in case something goes wrong. 

Trip cancellation protection is a common benefit that often covers pre-paid non-refundable trip costs in the event of a covered cancellation, depending upon the terms of the policy. Unexpected things happen, especially these days, and trip cancellation protection could really save the day if I needed to cancel a Serbia trip for a covered reason.

Similarly, trip interruption insurance is a type of travel insurance coverage that can come in handy when a trip to Serbia gets unexpectedly interrupted by a covered event.

Emergency Medical Coverage

Speaking for myself personally, emergency medical coverage is one of the most important things I assess when comparing trip insurance policies.

Provided the policy covers the activities in questions (some insurers exclude adventure sports, for example), these coverages can be useful in case of emergency hospitalization, out-patient treatment for medical emergencies, prescribed medicines, x-rays, lab tests, and other covered medical expenses.

Medical expenses can quickly put a huge dent into finances quickly, and it’s incredibly stressful to interact with a foreign medical system, so this is one of the most important reasons I get travel insurance for Serbia.

Emergency Medical Evacuation

Related to emergency medical coverage is the concept of emergency medical evacuation. This is a benefit that, where it applies, may include things like emergency transportation costs and any related medical expenses.

Particularly in cases where a patient needs to be moved out of the country quickly, emergency medical evacuation can quickly get expensive if not covered by a travel insurance policy.

Rental Car Protection

I have yet to drive a car in Serbia myself, but if I was renting a car, I’d want to make sure I had insurance covering the vehicle there.

Of course, depending upon what credit card or auto policies you have, you might already have coverage, so be sure to check.

Lost Luggage and Gear Theft Protection

Serbia is pretty safe generally, but like most Eastern European destinations, there is a fair bit of petty theft targeting tourists. This coverage may help some breathe a little easier. Where it applies, this is coverage for bags that are items being lost or stolen. Be sure to check policy limits, as often they are pretty low.

Emergency Assistance

When things go wrong and you’re in a foreign time zone, it can help if your insurer provides an emergency assistance line. Personally, I don’t speak Serbian, so this is a potentially handy benefit of getting travel insurance for Serbia!

Serbia Safety Information

Serbia is a relatively safe country; the risks are comparable to other countries in Europe. If you visit Belgrade, the nation’s capital, you will see it is similar to other major cities in population and security.

However, travelers should still take certain precautions when visiting. Before you travel, investigate the US State Department and UK’s FCO for Serbian travel advisories.

Crime in Serbia

Although crime is low throughout Serbia, tourists in Serbia are prime targets for pickpocketing and purse snatching. 

Here are a few tips for traveling in Serbia:

• Have a Money Belt or Slash-Proof Bag – a money belt is a great way to hide valuables so you don’t become a pickpocketing victim.  
• Keep Your Stuff Close – When you’re in a crowd, keep your purse or bag close to your body to deter any snatchers from getting your valuables. 
• Travel With an Extra Credit Card – Keep a backup credit card in a separate wallet or purse in case you need help. 

Like any country in Europe, as long as you use common sense and stay aware of what’s happening around you, a trip to Serbia is incident-free.  

Serbia’s Healthcare System

Serbia’s healthcare is a universal system, meaning that all Serbian citizens can access hospitals for their medical needs. But for tourists who travel without insurance, you will have to pay out of pocket for your medical expenses. In my personal opinion, that risk is too high; which is why I choose to travel to Serbia with insurance.

Serbian healthcare facilities have at times been known to fall short of international standards. In the 2018 Euro Health Consumer Index, fell dead middle of the pack at #18. 

Serbia Travel Tips

• Cities to Visit – Belgrade, Novi Sad, and Zemun.  
• Best Time to Visit Serbia – From March to November, you will find beautiful weather and sunshine. If you are visiting from December to February, pack a warm winter jacket and boots. 
• Language – In Belgrade, the capital of Serbia, most people understand English. They may not speak English, but they can understand and are usually kind enough to help. I suggest packing a Serbian phrasebook. 
• Currency – Serbia uses dinar (the current exchange rate as of April 2021 is $1 = ~99.13 dinars)

For more information, check out our full Serbia Travel Guide. 

FAQs About Travel Insurance for Serbia

Here are answers to some frequently asked questions about Serbia travel insurance:

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That’s all for this Serbia travel insurance guide. Remember to read your policy’s terms and conditions before purchase. A licensed insurance broker can give you advice on what is covered in a specific plan if you have questions.

Enjoy your trip to Serbia!

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