🇭🇷

Visitor Insurance for Croatia

Visitor Insurance for Croatians Traveling to the USA

Croatia's HZZO health coverage works in the EU — not in America. One US hospital visit without insurance can cost more than a year's wages.

Get My Free Quote

No commitment · Compare multiple plans · Buy in minutes

The Coverage Gap

Croatia's HZZO Has No Coverage in the United States

Croatia's compulsory health insurance (HZZO) covers residents within Croatia and, through the European Health Insurance Card (EHIC), across EU/EEA countries — but the United States has no healthcare agreement with Croatia. Croatian nationals visiting the USA — including the growing Croatian-American communities in cities like Chicago, Cleveland, and Pittsburgh — face the full cost of American medical care. An ER visit in the US starts at $2,400, and a hospitalization averages $11,700 per night. Without dedicated visitor insurance, Croatian parents visiting family in the USA have no protection whatsoever against these costs.

⚠️

HZZO provides zero coverage in the USA — Croatian nationals in America face the full cost of US healthcare unassisted.

🏥

$3,000+

ER Visit

🛏️

$11,700/night

Hospital Stay

🚑

$1,500

Ambulance Ride

⚕️

$50,000+

Major Surgery

Why Tower Hill

Trusted by 60,000+ International Travelers

We partner with the top A-rated carriers so you get the best coverage, not the highest commission.

🏆

A-Rated Carriers Only

Every plan we offer is from a financially strong, A-rated insurer — IMG, Trawick International, or WorldTrips.

⚡

Compare & Buy in 5 Minutes

No phone calls, no paperwork. Compare plans side-by-side and purchase online. Instant policy documents.

🌍

Coverage in 151 Countries

Whether you're visiting the USA or traveling worldwide, we have a plan designed for your journey.

Our Plans

Compare Top Visitor Insurance Plans

All plans designed specifically for visitors to the USA — covering emergency medical, hospitalization, evacuation, and more.

IMG Patriot America Plus

From $1.10/day

Coverage up to Up to $1,000,000

A-rated by A.M. Best
Covers acute onset of pre-existing conditions
Emergency medical evacuation included
COVID-19 treatment covered
Deductible from $0–$2,500

Get a Quote

Best Value

Trawick Safe Travels USA

From $1.25/day

Coverage up to Up to $1,000,000

Comprehensive emergency coverage
24/7 multilingual assistance
Hospital direct billing available
Covers acute onset of pre-existing conditions
Renewable up to 12 months

Get a Quote

Premium Option

WorldTrips Atlas America

From $1.50/day

Coverage up to Up to $2,000,000

Highest coverage limit available
Ideal for seniors and longer stays
Covers urgent care and telehealth
A.M. Best A-rated carrier
Flexible deductible options

Get a Quote

Prices vary by age, coverage level, and trip dates. Get an exact quote for your trip.

Common Questions

Frequently Asked Questions

Does Croatia's HZZO (Hrvatski zavod za zdravstveno osiguranje / Croatian Health Insurance Fund) cover medical care in the USA?

No. Croatia's HZZO (Hrvatski zavod za zdravstveno osiguranje / Croatian Health Insurance Fund) covers healthcare within Croatia only — it provides zero coverage for medical treatment in the United States. The US has no bilateral healthcare agreement with Croatia, meaning every hospital visit, ER charge, or specialist fee is entirely your personal financial responsibility without dedicated visitor insurance. A us hospital night can exceed eur 10,000.

Can I buy visitor insurance for my Croatians visiting the USA?

Yes — you can purchase a visitor insurance plan on behalf of parents, grandparents, or other family members visiting from Croatia. Simply enter their details (age, travel dates) in the quote tool and complete the purchase. Policy documents and insurance ID cards arrive by email within minutes. Plans cover travelers up to age 99 and most include acute onset coverage for pre-existing conditions — critical for older croatians visitors.

What is the best visitor insurance for Croatians visiting the USA?

For croatians, we recommend three A-rated plans: IMG Patriot America Plus for comprehensive coverage and strong A+ rated carrier backing; Trawick Safe Travels USA Comprehensive for excellent value and broad emergency coverage; and WorldTrips Atlas America for high coverage limits (up to $2,000,000) and robust acute onset pre-existing condition protection. All three are purpose-built for the US healthcare system and available in minutes online.

Do Croatians need a visa to visit the USA?

Croatians can visit the USA for up to 90 days under the Visa Waiver Program — but you must obtain ESTA (Electronic System for Travel Authorization) approval before departure. Visitor insurance is not required for ESTA approval but is essential: without it, any US medical emergency is entirely out-of-pocket. Your HZZO provides zero US coverage.

How much does visitor insurance cost for Croatians visiting the USA?

Plans typically start around $1.10–$2.00 per day (USD). A healthy Croatia adult under 60 visiting for 30 days usually pays $35–$80. Seniors over 70 will see higher rates. The cost is minimal compared to the financial risk — a US hospital night can exceed EUR 10,000. Get an exact personalized quote instantly with no personal information required.

Does visitor insurance cover pre-existing conditions for Croatians visiting the USA?

Most plans include acute onset coverage — meaning if you have a managed condition like hypertension, diabetes, heart disease, or COPD, and you experience a sudden unexpected emergency related to it, the plan can cover that emergency treatment. Routine follow-up care, medication refills, or elective procedures for stable conditions are not covered. This protection is especially important for older croatians and those with chronic health conditions.

How quickly can I get coverage for Croatians visiting the USA?

Coverage can be active within minutes. Complete the quote form online, select a plan, and your policy documents and insurance ID card are emailed instantly. For accidents, coverage begins on your selected start date — which can be the same day. For illness coverage, a short 24–72 hour waiting period typically applies after the start date. Purchase before your family member departs Croatia whenever possible to avoid any gap in protection.

What is the minimum coverage I should get?

For visits to the USA, we recommend a minimum of $100,000 in medical coverage. US healthcare costs are among the highest in the world, and even a short hospitalization can exceed $50,000.

How do I file a claim if I need medical care?

Call the 24/7 assistance number on your insurance ID card before seeking treatment when possible. For emergencies, go directly to care — your insurer can sort out billing afterward. All major insurers we work with have direct billing relationships with US hospitals.

Learn More