Travel Insurance for Croatia

An exciting country with picturesque destinations- that's Croatia for you. Apart from being in the headlines for being in the finals of FIFA world cup, 2018, Croatia is known for its inventing fountain pens and neckties. It has also gained its popularity lately because several memorable scenes of the favorite show "Games of Thrones" was filmed here. All in all, you can say that Croatia is a marvelous country steeped in history, and benefits from the hot summers and moderate winters of a Mediterranean climate.

Whether you are chilling on the shores of azure water or enjoying the colourful surroundings of ancient walled towns, visiting Croatia will turn your usual vacation into a dreamland experience.

The Croatian history is oracular and has changed its political beliefs time and again. It has been in the hands of several empires, which makes it a healthy and culturally rich economy with Global standards. This island nation has several eye-popping sights, making it a preferred choice amongst the nature-lovers and globetrotters of the world. Live your Mediterranean dream along the long whitewashed sandy, pebbly beaches. The locals welcome you with open hands and help you with anything required. Also, don't forget to try the range of delicious local seafood and organic products when you are holidaying at this dream location.

Dubrovnik, Korcula, Zadar, Trogir, and Zagreb are a few of the most beautiful cities in Croatia. Right from wonderland range of rugged peaks to wild waterfalls, preposterously pretty lakes, little clear canyons, vast farmlands and vivacious stretches of flora and fauna make Croatia a place for one and all. You can enjoy water sports, have a rejuvenating walk at the beach or wander on the streets of the walled towns; this Central European will give you the most prized memories for your travel diary. 

If you purchase our travel insurance policy, you will receive the following benefits.

• Compensation for lost or delayed baggage.
• Cover against illness, personal accidents, and medical expenses.
• Loss of passport.
• Cover for trip delay.
• No medical checkups until the age of 80 years to receive a policy.
• Cover for up to 182 days, extendable to another 183 days.
• Cashless medical treatment at your hospital.

Now you can also purchase a travel insurance policy online. Please fill out the form on the left side of this page to get an instant travel insurance quote.​

FA​Qs

• What is the current GST rate on travel insurance premiums?

  Zero percent! That’s the big change. Until 21st September 2025, travel insurance premiums attracted 18% GST, just like other general insurance products. But from 22nd September onward, the government has removed GST on individual travel insurance policies making them significantly more affordable.

• How will the GST waiver impact the cost of my travel insurance policy?

  Let’s break it down with a real-world example Suppose your travel insurance premium was ₹2,000. Earlier, you paid ₹2,360 (₹2,000 + ₹360 GST). Now, you’ll pay just ₹2,000 a direct saving of 18%. This means every rupee you pay now goes toward actual coverage, not taxes. For frequent travelers or those buying comprehensive plans, this could mean savings of ₹500 to ₹2,000 or more per policy.

• How much GST do I now pay on travel insurance?

  None. GST has been fully waived on individual travel insurance premiums. You’ll see this reflected in your invoice no tax line, just the base premium.

• If I bought a travel insurance policy before September 22, 2025, will GST still be charged?

  Yes, but only for that purchase. The GST exemption is not retroactive, so if you bought your policy before 22nd September, the 18% GST you paid won’t be refunded. However, any future renewals or new purchases will be GST-free.

• What does the new GST regulation effective 22nd September mean for Travel Insurance premiums?

  This is part of the GST 2.0 overhaul, which aims to simplify the tax structure and make essential services more affordable. Travel insurance has now joined life and health insurance in the GST exempt category, meaning discounted premiums with the same coverage benefits.

• Does the GST waiver apply to all categories of travel plans — Individual, Family, Student, Senior Citizen, Annual Multi-Trip, and Schengen?

  "Yes, it does! The exemption applies to all individual travel insurance policies, regardless of category:

  Single-trip or multi-trip, Student or senior citizen, Schengen visa plans, Family floaters or solo travelers. As long as it’s an individual policy, it qualifies for the GST waiver."

• If I buy a new Travel Care plan today, will my premium automatically be GST-free?

  Absolutely. If you’re buying a Travel Care plan on or after 22nd September, your premium will be GST-free by default. You’ll only pay the base premium.

• How much will my Travel Insurance premium reduce now that GST is removed?

  "You’ll save exactly 18% on the premium amount. For example ₹5,000 policy was earlier ₹5,900 (with GST).

  Now with the revised GST its ₹5,000 flat. That’s a ₹900 saving and it scales up with higher coverage or longer durations."

• I bought my travel policy before 22nd September with GST. Does this change apply to me?

  Unfortunately, no. The GST exemption applies only to policies purchased on or after 22nd September. If you paid GST earlier, it’s not refundable, and your coverage remains unchanged.

• Does the GST change impact visa-linked requirements like Schengen’s €30,000 cover?

  The Schengen visa requirement of €30,000 coverage remains unchanged. However, now that GST is removed, you’ll pay less for the same coverage, making it easier to meet embassy requirements without overspending.

• Will coverage features such as emergency medical, baggage, or trip cancellation change due to GST removal?

  No changes to coverage. The GST exemption affects pricing, not the benefits. You’ll still get Emergency medical cover, Trip cancellation protection, Baggage loss reimbursement. But now, you get all this at a lower cost

• How does GST removal benefit frequent flyers taking the Annual Multi-Trip plan?

  This is where the savings really add up. Annual multi-trip plans are already cost-effective, and now you save 18% on the entire annual premium. No GST means better ROI for frequent travelers. You can reinvest the savings into higher coverage or add-ons. For example, if your annual plan was ₹12,000 + ₹2,160 GST, you now pay just ₹12,000 saving over ₹2,000 instantly.​

Check out some more travel insurance plans-

• Argentina Travel Insurance
• Ecuador Travel Insurance
• Spain Travel Insurance
• Portugal Travel Insurance
• Greece Travel Insurance
• Turkey Travel Insurance ​​

Relevant Links for Travel Insurance

Buy Travel Insurance | Overseas Travel Insurance | Student Trip Insurance | Senior Citizen Travel Insurance | Annual Multi Travel Insurance

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