Serbia is an incredible country to travel but, like everywhere, things can go wrong there. Buying travel insurance for Serbia can provide an extra sense of protection for a worry-free vacation.
As a former insurance litigator turned travel blogger, I often get asked if I buy travel insurance. And the answer is, yes, I do. After five years 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.
In this post, I will quickly explain the key things you need to know about Serbia travel insurance. Here’s what we’ll cover:
- 👉 Is travel insurance required for Serbia?
- ✅ Why get Serbia travel insurance
- 🌍 Best sites to search
- 👮♀️ Serbia safety tips and info
Disclosure: I am not a licensed broker and cannot choose insurance for you. Be sure to read policy terms and conditions closely before making a purchase. Also please note that this is a reader-supported travel blog, so by purchasing through my affiliate links you help support our site.
I've personally use World Nomads (here's proof) for more than 50 countries. I've tried others but always return because I think its simpler & more transparent.
Pros: Simple & flexible, balances price & quality, upfront transparency about covid (no insurer covers all covid risks, but at least they actually explain it!)
Cons: Not available to seniors 70+ in USA (or 65+ in other countries)
A search engine that fetches quotes from hundreds of companies. Great for comparison shoppers who want to really dig into details!
Pros: Compare hundreds of insurers, see customer reviews
Cons: Not as simple as World Nomads (you need to sort through a lot of detail)
This is the site to use if you can't get a quote elsewhere due to age or pre-existing conditions.
Pros: Usually finds quotes for seniors even when other sites won't offer anything past a certain age
Cons: No clearly displayed info about Covid coverages, a clunkier user experience in my opinion
Is Travel Insurance Required for Serbia?
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.
Reasons to Get Serbia Travel Insurance
Even though you don’t need to purchase travel insurance for a Serbian vacation, I personally (like many other travelers) choose to purchase travel insurance wherever I go. 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 Is Still A Thing
Vaccines are less than 100% effective, and coming into contact with the virus can still disrupt your travel itinerary. Perhaps more saliently, the pandemic can still disrupt your travel even if you don’t personally catch the virus. Just check the news to see all the countries that have had to suddenly lockdown with little notice.
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.
Here are benefits that all travelers can appreciate when it comes to Serbia travel insurance:
- ✈️ Trip Cancellation Protection
- What It Is: This is a common benefit that usually covers pre-paid non-refundable trip costs in the event of a covered cancellation.
- Why It Matters: Unexpected things happen, especially these days, and trip cancellation protection can really save the day when you need to cancel your trip for a covered reason.
- 💉 Emergency Medical Coverage
- What It Is: Provided your policy covers the activities you’re doing (check closely if you plan to do any adventure sports), you may have coverage for emergency hospitalization, out-patient treatment for medical emergencies, prescribed medicines, x-rays, lab tests, and the like.
- Why It Matters: Medical expenses can quickly put a huge dent into your pocket, and it’s incredibly stressful to interact with a foreign medical system when you can no coverage.
- 🚗 Rental Car Protection
- What It Is: Driving in Serbia, like most countries, requires certain minimum coverages in order to legally drive.
- Why It Matters: Serbia is a great country to explore via a rental car, but you can’t do that without rental car protection!
- 🚁 Emergency Medical Evacuation
- What It Is: A benefit that may include things like emergency transportation costs and any related medical expenses.
- Why It Matters: Although not a happy thought, the reality is that sometimes disaster strikes while abroad. If the worst happens, this type of coverage can at least take the sting off your wallet.
- 💻 Lost Luggage and Gear Theft Protection
- What It Is: Coverage for bags are items being lost or stolen (be sure to check policy limits).
- Why It Matters: Serbia is pretty safe generally, but like most Eastern European destinations, there is a fair bit of petty theft targeting tourists. This coverage can help you breathe a little easier.
- 📞 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.
These benefits are just a few examples of what I appreciate about travel insurance. Every policy is different, so make sure to carefully read your policy’s terms before your stay in Serbia.
Best Sites to Compare Serbia Travel Insurance
Now that you’re ready to purchase travel insurance for Serbia, you can compare companies and find the best one that fits your needs. Here are some of the best sites to search to compare Serbia travel insurance policy quotes:
My personal choice for Serbia travel insurance is World Nomads. In fact, I have used World Nomads travel insurance for trips to over 50 other countries that I have visited in the past decade.
Here is why I personally choose World Nomads:
- 📞 24/7 Emergency Assistance Line – No matter where you are or what time it is, World Nomads has someone there ready to help.
- 📅 Trip Extensions – If you want to do more sightseeing and stay in Serbia a few extra days, World Nomads makes it easy to extend your coverage while you’re on the road.
- 🚵 Adventure Activities (Explorer Plan) – When getting a quote, World Nomads will offer you the option to upgrade to their Explorer Plan to get coverage for adventure activities (after all, Serbia has a lot of nature to explore!).
While I genuinely enjoy most things about World Nomads, there is one limitation to note: they currently do not offer coverage for those over the age of 70 years old in the USA, and over 65 years old in other countries.
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.
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. This website also lets you compare different policy providers’ plans to find your best option.
Serbia Safety Tips and Info
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.
COVID-19 in Serbia
The CDC recommends travelers avoid traveling to Serbia unless fully vaccinated. While Serbia’s vaccination rates have outpaced much of Europe, the country still continues to experience covid outbreaks.
Note: you can also review our article about travel insurance and the COVID-19 virus here.
Serbia Travel Tips
- Cities to Visit – Belgrade, Novi Sad, and Zemun.
- When to Book Your Trip – 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.
Frequently Asked Questions
Here are answers to some frequently asked questions about Serbia travel insurance:
Should I purchase Serbia travel insurance?
The decision is ultimately up to you on whether you purchase Serbia travel insurance or not. I get travel insurance for my trips, but it’s a personal choice that only you can decide. Consult with a professionally licensed broker for advice about making this purchase.
Can I get travel insurance even though I booked my trip?
Many travel insurance providers allow you to buy travel insurance even after purchasing your first bookings for your international trip.
Will my health insurance cover medical costs during my trip to Serbia?
Most USA private health insurance companies don’t cover the medical costs of international travelers. However, every provider is different with varying coverage plans, so it’s best to consult with your insurance company about the medical benefits in your plan.
What is the cost of travel insurance?
Factors such as age, destination, and trip duration determine the cost of any travel insurance plan. As an example, a 7-day trip out of the country can range from $50 to $150 depending upon the policy involved.
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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