This information may change. Always check the official source.Last verified: August 2026 by

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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Sources (3)

What this guide was checked against. Rules and prices change — follow the official link before you rely on a detail.