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Travel Insurance for Montenegro
When we talk about hidden gems, Montenegro holds a special place because of its history, culture and stunning natural beauty. This offbeat European country boasts a beautiful Adriatic coastline, crystal-clear lakes and the dramatic Bay of Kotor. From adventure sports like river rafting and hiking to luxury tourism, a trip to Montenegro promises memories of a lifetime. To make sure you make the most of this place, don’t forget to buy the best travel insurance for Montenegro.
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Plans for an individual of 30 years age travelling to USA for 15 days
Quick Facts to Know Before Travelling to Montenegro
Here are some basics about Montenegro that you should know before visiting.
| Categories | Specification |
|---|---|
| Montenegro Visa Requirements for Indians | Mandatory for Indian passport holders (Short Stay Visa C) |
| Main Airports | Podgorica Airport (TGD) Tivat Airport (TIV) |
| Time Zone | Central European Summer Time GMT +2 |
| Best Travel Season | May to September |
| Currency | Euro (1 EUR = 102.59 INR) |
| Visa Exemption | Visa-free entry for up to 30 days for those with a multiple-entry Schengen/US/UK/Ireland visa. |
| Montenegro Travel Insurance Requirement | Mandatory |
| Recommended Daily Funds | Approx. EUR 40 per day |
Why Buy Travel Insurance for Montenegro?
- Visa Compliance: Any foreigner visiting Montenegro on a Short Stay Visa C strictly requires proof of travel medical insurance. This policy must cover any medical emergencies, hospitalisation, and repatriation to India.
- Schengen Standard: While Montenegro is not yet part of the Schengen Area, it adheres to the Schengen travel insurance standards, mandating a minimum medical coverage of EUR 30,000. Also, if you are visiting Montenegro on a Schengen visa, then you will need to buy travel insurance for a Schengen visa too.
- Preventing Visa Rejection: The embassy will reject the visa application if the insurance policy is absent or fails to meet the minimum coverage of EUR 30,000. Moreover, it provides proof of sufficient coverage in case you face a financial emergency here, reducing your chances of leaving behind any debts.
Types of Coverage in Travel Insurance for Montenegro
Montenegro offers a truly unique experience, but like any new place, it comes with potential risks. Here are some reasons to help you understand why a reliable international travel insurance plan is must for Montenegro:
| Coverage Type | Why It's Crucial for Montenegro |
|---|---|
| Emergency Medical Expenses | Covers hospital bills, doctor visits, and medication up to the limit. Very important as medical facilities outside major cities (Podgorica/Kotor) are limited. |
| Emergency Medical Evacuation & Repatriation | Montenegro’s rugged, mountainous regions like Durmitor & Prokletije may lack required medical care for specific emergencies. Travel medical insurance ensures timely air or road transfer to a suitable medical facility if required. |
| Adventure Sports Coverage | Extremely important if planning high-risk activities like white-water rafting on the Tara River Canyon, canyoning, or mountain hiking/climbing. Ensure your travel insurance policy covers your intended sport. |
| Loss of Passport | Covers costs associated with getting a new emergency travel certificate and related travel expenses. Crowded tourist areas like Budva see theft incidents during summers. |
| Trip Cancellation/Interruption | Reimburses non-refundable expenses like flights & pre-booked tours incase you need to cancel or cut short your trip due to unforeseen covered reasons. |
| Loss of Checked Baggage | Provides compensation for the permanent loss or theft of registered baggage. |
Montenegro Visa Requirements for Indians
Indians need a valid visa for Montenegro. As there is no visa on arrival for Montenegro for Indians, you must apply for a visa at least 20-30 days in advance. Montenegro offers the following types of visas:
- Airport Transit (A)
- Transit (B)
- Short Stay Visa (C)
- Long Stay Visa (D)
Indians can obtain a Montenegro visa from the diplomatic or consular post of Serbia. In India, the Republic of Serbia handles the visa applications for Montenegro.
Montenegro Currency
The currency used in Montenegro is the Montenegron Nakfa (ERN). Here is the fixed exchange rate for key foreign currencies and the approximate rate to the Indian Rupee (INR) for reference:
| Currency in Montenegro | Approximate Conversion |
|---|---|
| Euro (EUR) | 102.66 INR |
| 1 EUR | 1.16 USD |
Travel Insurance Add-Ons for Montenegro
Montenegro has stunning beaches, mountainous terrain, calm lakes and an endless list of things to do. However, you also need to prepare for the activities you want to try here. Your travel insurance will protect you from a range of financial disasters, but some situations demand specific coverage. Optional covers or add-ons protect you against these specific risks related to Montenegro’s adventure focus and geography.
- Adventure Sports Coverage: This is critical if you plan on white-water rafting in Tara Canyon or plan to go high-altitude trekking in Durmitor National Park. Standard travel insurance policies don’t cover activities like trekking or hiking. This add-on is a must for ensuring mountain rescue operations, which can be extremely costly.
- Pre-Existing Disease (PED) Coverage: This is specially important for older travellers or those with chronic conditions. This travel insurance add-on extends medical coverage to sudden complications arising from your declared pre-existing illnesses (like diabetes or heart disease) while you are abroad.
- Home Burglary and Home Fire Cover: This is a very useful add-on for your peace of mind, especially if you have planned a long trip abroad. This add-on compensates you for loss or damage (e.g., due to burglary or fire) to your home contents in India while you are away on your trip.
How to Buy Travel Insurance for Montenegro Online?
Here is a step-by-step guide on how to get travel insurance for your Montenegro trip online.
Steps to Make a Successful Travel Insurance Claim Online
Follow the steps below if you wish to make a travel insurance claim for Montenegro.
Top Tourist Attractions in Montenegro
- Kotor Old Town (UNESCO): This fortified medieval maze is a UNESCO World Heritage Site. Famous for its Venetian architectures like St. Tryphon Cathedral and "Cat Squares."
- Kotor City Walls: Another UNESCO World Heritage Site, make sure to hike the 1,350 steps to St. John's Fortress for breathtaking views.
- Perast & Our Lady of the Rocks: Visit the elegant Baroque town of Perast and take a boat to the iconic, man-made island church.
- Budva Riviera: Known for its vibrant nightlife and golden beaches (Jaz Beach), Budwa is a must for party lovers. Don’t forget to visit Budva's historic Old Town peninsula.
- Sveti Stefan: The most photographed place in Montenegro, this is a famous, exclusive island resort and viewpoints.
Travel Insurance for Montenegro: FAQs
-
Q: Is Montenegro in Europe for travel insurance?
Ans: This varies from insurer to insurer, some travel insurance companies in India offer it under Schengen/Europe travel insurance whereas others do it under worldwide excluding/including USA plans. -
Q: Do I need travel medical insurance for Montenegro?
Ans: Yes, it is mandatory to have travel medical insurance while applying for a single or double entry short stay (C Visa) for Montenegro. -
Q: Is Montenegro in the EU?
Ans: No, Montenegro is not a member of European Union. However, it is an official candidate for membership. -
Q: What is the best time to visit Montenegro?
Ans: May to September is the best time to visit Montenegro if you want warm weather, lesser crowds and try water activities. Avoid July and August if you don’t want crowded beaches. -
Q: Is Montenegro part of Schengen?
Ans: No, Montenegro is not a part of the Schengen.
Travel Insurers
Aditya Birla
Bajaj General
Care
Cholamandalam MS
Digit
Future Generali
HDFC ERGO General
ICICI Lombard
IFFCO Tokio
IndusInd General
Disclaimer: The list of insurers mentioned are arranged according to the
alphabetical order of the names of insurers respectively. Policybazaar does not endorse, rate or recommend any
particular insurer or insurance product offered by any insurer. The list of plans listed here comprise of
insurance products offered by all the insurance partners of Policybazaar. For complete list of insurers in India
refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in
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* Price shown is for a 30 day trip to Montenegro with 50,000 dollar coverage for an adult of age 25 years
