Montenegro is one of the most popular countries for tourists from Russia due to its picturesque natural beauty, mild climate and affordable prices for vacations. Every year, thousands of Russians visit this corner of the Adriatic to enjoy the sea and mountain landscapes. One of the issues that many travelers face is the need to obtain medical insurance to Montenegro.
Do you need insurance for a trip to Montenegro?
At the moment, medical insurance for entry into Montenegro is not mandatory for Russian citizens. Unlike a number of Schengen countries, where medical insurance is mandatory for obtaining a visa, Russians do not need to apply for a visa for a short-term stay of up to 90 days within six months to visit Montenegro. However, although insurance is not a prerequisite for entry, it is highly recommended.
Why is it worth getting health insurance?
Although Montenegro is a fairly safe country, health and safety are things that cannot be predicted. Here are some reasons why having health insurance is a smart decision:
- High medical costs: For tourists, medical services in Montenegro can be quite expensive. A simple visit to a doctor or hospitalization can cost a lot of money, especially if it involves complex procedures or emergency care.
- Emergencies: Poisoning, injury during active recreation, sudden deterioration of health – all these may require immediate medical care. Insurance guarantees that you will receive help without unnecessary financial expenses.
- Medical Repatriation: In the event of a serious illness or injury, insurance may cover the cost of transportation to your home country for continued treatment.
- COVID-19 and other illnesses: Many insurance companies include coverage for treatment of COVID-19-related illnesses in their policies, which can be especially useful during the pandemic.
What risks do you take without insurance?
The absence of health insurance means that if any health problems arise, the tourist will have to pay all expenses on his own. For example, the cost of hospitalization or emergency surgery can cost several thousand euros, which can be a serious blow to the budget. In addition, in emergency situations when quick help is needed, the absence of insurance can cause additional difficulties in organizing treatment.
How to choose insurance for a trip to Montenegro?
If you decide to play it safe and get travel health insurance before your trip, here are a few factors to consider when choosing a policy:
- Medical Coverage: Insurance should cover all major types of medical care, from outpatient visits to hospitalization and emergency care.
- Active travel coverage: If you plan to engage in active travel in Montenegro, such as hiking, diving or water sports, make sure your insurance covers these risks.
- Repatriation: It is important that the policy includes the possibility of medical evacuation to your home country in the event of serious illness or injury.
- Deductible: Some insurance companies offer policies with a deductible, meaning you’ll be responsible for some of the costs yourself. Choose the policy that works for you.
Conclusion
Although medical insurance is not a mandatory requirement for entry into Montenegro for Russian citizens, it is a sensible precaution that will protect you from unexpected expenses in the event of illness or injury. Travel should be fun and relaxing, and medical insurance will help provide you with peace of mind, allowing you to enjoy the beauty of Montenegro without unnecessary worries.
