Insurance for a trip to Bosnia and Herzegovina: rules and where to get it
Travel medical insurance is strongly recommended for everyone visiting Bosnia and Herzegovina, and for some travelers it may be required at the border or by their airline. Below are the practical points, the minimum you’d want a policy to cover, and the services through which you can get one.
The topic is regulatory: entry rules and border-check procedures can change. So we’ve gathered the key points into one block and advise verifying them against official sources before your trip - links to the primary sources are at the bottom of the page.
Current rules - verify before your trip
Entry and insurance requirements for Bosnia and Herzegovina can differ by nationality and can change. Travel medical insurance is strongly recommended for everyone, and may be required at the border or by your airline - the details (wording, amounts, check procedures) may change, so be sure to verify they’re current before your trip.
The primary source is official resources: embassies, the Ministry of Foreign Affairs, and the border authorities of Bosnia and Herzegovina. Links to the sources are at the bottom of the page.
What you need to know
- Travel medical insurance is recommended for all foreign tourists, whatever their nationality - and it’s worth getting a policy for children too.
- Aim for a comfortable coverage limit (many travelers choose at least €30,000) - check the exact figure that suits your trip.
- The policy should cover the entire trip: from the entry date to the exit date.
- The issuer can be either a local Bosnian or a foreign insurance company.
- Coverage is best when it includes both medical expenses and accident insurance - a “health and accident” policy. Medical evacuation and repatriation are worth having as well.
- A policy with English-language documents is the safest choice - it is the easiest to use at the border or with a clinic.
- A policy may be checked on entry - at the airport or at land border crossings - and airlines may ask for one as early as check-in. Requirements vary by nationality, so verify the rules that apply to you.
- Entry and insurance rules can change - confirm the current requirements with official sources before you travel.
What happens without a policy
Travelling without insurance is a gamble: if anything goes wrong, you pay for treatment out of pocket, and depending on your nationality entry may be harder - so it’s better to get a policy in advance rather than counting on “sorting it out on site.”
For active travel - hiking in the Dinaric Alps, skiing, rafting, and other extreme activities - you need a separate coverage option: a basic tourist policy may not cover such cases. Verify the coverage terms for extreme activities with the insurer before your trip.
Where to get a policy
Below are the services through which travelers most often get insurance for Bosnia and Herzegovina. Whichever option you choose, check that the policy fits your trip: a comfortable coverage limit for the entire stay, ideally a policy in English, and accident insurance included (basic plans often don’t have it - it’s added as a separate option). Prices depend on age, duration, and the coverage set, so we give only guidelines, without exact amounts.
International travel insurers
single-trip travel-medical cover
Mainstream providers such as World Nomads or Heymondo can work well for US, UK, EU, Canadian, and Australian travelers on a fixed trip. Check that Bosnia and Herzegovina is covered, that the certificate is available in English, and that your planned activities - driving, hiking, rafting, or skiing - are not excluded.
Sign up on the service’s website. Before buying, verify the current terms and rate.
SafetyWing (Nomad Insurance)
for digital nomads and long trips
Subscription insurance billed monthly - convenient for those who live in Bosnia and Herzegovina or travel for a long time and don’t want to buy a policy for a fixed period. Suits a relocation and wintering scenario. The service has changed its terms and rates - verify the current ones before buying.
Sign up on the service’s website. Before buying, verify the current terms and rate.
Comparison sites
compare several insurers before you buy
Insurance comparison sites can help you compare limits, activity coverage, deductibles, and cancellation terms in one place. The available insurers differ by your country of residence, so treat any comparison result as a starting point and verify the final policy wording before payment.
Sign up on the service’s website. Before buying, verify the current terms and rate.
Local Bosnian insurers
companies based in Bosnia and Herzegovina
Local companies issue policies on the spot, often with English-language documents. This can be a convenient option if you want a policy that fits local rules and is easy to use with a local clinic - compare the coverage and terms with the international services above.
Sign up on the service’s website. Before buying, verify the current terms and rate.
What’s important to keep in mind
- Check that the policy includes accident insurance. A solid travel policy is a “health and accident” one, and in basic medical plans an accident often comes as a separate option: medical coverage alone may not be enough.
- EU and UK travelers: an EHIC or UK GHIC card does not cover Bosnia and Herzegovina, because it is outside the EU/EEA system - you still need private travel insurance here.
- Buy the policy before entering the country: some services have a 5-7 day “waiting period” - the insurance doesn’t take effect immediately after payment.
- Visa-free entry does not replace insurance: these are different things, and being allowed in without a visa doesn’t mean your medical costs are covered.
- Car rental insurance is a separate matter. A medical policy doesn’t cover damage to the car: for the rental you need your own insurance (CDW / collision), which is arranged together with the rental.
What to do in case of a claim
- Keep your insurer’s assistance service contact (usually a 24/7 phone line or app) - it’s listed in your policy. Save it to your phone before the trip.
- If you fall ill or get injured, call the assistance service first whenever possible: many policies require treatment to be pre-authorised. If you go to a clinic without it, the costs may not be reimbursed.
- Keep all documents: bills and payment receipts, discharge notes, diagnoses, referrals and prescriptions. Without supporting documents, reimbursement is difficult.
- Check how your policy works: the insurer either pays the clinic directly (direct billing) or you pay yourself and are reimbursed later against your receipts.
- Respect the deadline for filing a claim - it’s stated in your policy terms. Don’t delay: late claims are often rejected.
- Bosnia and Herzegovina uses the European emergency number 112 (ambulance, police, rescue). In a serious situation, call for help first and sort things out with the insurer afterwards.