The EHIC covers state treatment and the standard is good. What it does not cover is a boat ride off an island or a private clinic, which is what the coast is full of.
- EU, EEA and Swiss visitors bring the EHIC, UK visitors a GHIC, which gives state treatment on the same terms as a Croatian, with a small participation charge.
- The EHIC is worthless in a private clinic, and the coast is full of them - check whether the sign says "dom zdravlja" or a private name.
- Small islands have a doctor, not a hospital. Anything serious means a boat or helicopter transfer to Split, Zadar, Rijeka or Dubrovnik, and in bad weather it means waiting.
- That island transfer is the real argument for travel insurance in Croatia, more than any disease risk - check the policy covers repatriation.
- Tap water is safe and good throughout, islands included. Tick-borne encephalitis exists in inland forested areas but is not a coastal concern.
Cover
- EU, EEA and Swiss visitors: bring the EHIC. UK visitors use the GHIC. Both give you state treatment on the same terms as a Croatian.
- A small participation charge applies to some treatment, as it does for locals.
- Everyone else needs travel insurance. So does anyone planning to use a private clinic.
- Private clinics are everywhere on the coast and will treat you fast for cash. The EHIC is worthless there, so check whether the sign says "dom zdravlja" (state) or a private name.
The island problem
- Small islands have a doctor, not a hospital. Anything serious means a transfer to Split, Zadar, Rijeka or Dubrovnik.
- Transfer can mean a boat or a helicopter, and in bad weather it means waiting.
- This is the argument for real travel insurance in Croatia, more than any disease risk.
- Check your policy covers repatriation, because the coast is a long way from home by ambulance.
Pharmacies
- "Ljekarna" with a green cross. Well stocked, and pharmacists usually speak some English.
- Every larger town has a duty pharmacy open at nights and weekends, posted on the door of the closed ones.
- Bring your own regular medication with the prescription.
Practical risks
- Tap water is safe and good throughout the country, including on the islands.
- The summer sun is fierce and the sea breeze hides it. Croatian July heat regularly passes 35 °C.
- Tick-borne encephalitis exists in inland forested areas, mainly the continental north. Not a coastal concern.
- Sea urchin spines need removing properly. A pharmacy will help.
- Mosquitoes are a nuisance in the Neretva delta and around Zagreb rather than a health risk.
- 112 gets you an ambulance and reaches an English-speaking operator.
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