Travel to Croatia to backpack, study, intern, volunteer, work, or live as a digital nomad, expat or emigrant?

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Intro

Backpacking or traveling in Croatia?

  • Croatia is one of the most touristic summer vacation destinations in Europe and for good reason! This still relatively inexpensive country has beautiful beaches, ancient culture and delicious food. The country is not only good for the transient vacationer, but also for the seasoned traveler or backpacker, because off the beaten path there is still a lot to explore! 
  • Activity spotting: explore beautiful Zagreb and go on a free walking tour, visit ancient Split by the sea, admire Dubrovnik's city wall, taste the wines of Pelješac, explore quieter beaches like Prapratno or Divna, discover the less crowded island of Vis, visit the Papuk Mountains and discover caves, fossils, ancient ruins and beautiful hiking, taste the truffles of Istria, take a boat trip and spot birds in Kopački Rit Nature Park and go on a tour of one of the Barać caves. 

Studying in Croatia?

  • The quality of education in Croatia is good and getting better with the country's integration into the EU. In particular, institutions in major cities have better reputations. There is a wide range of studies, of which studies in engineering, medicine, law, economics, IT and social sciences are among the popular ones. 
  • Study culture: education is formal and structured, with an emphasis on theoretical knowledge. A high value is placed on academic achievement and students are encouraged to participate in conferences, workshops, etc. 
  • Study cities: Zagreb, Split, Rijeka, Osijek. 
  • Language: Croatian, with a growing offer in English especially in the fields of international relations, technical science and business administration. 

Internship in Croatia?

  • There is a wide range of internships available in different sectors. Examples include tourism, hospitality, technology and marine sciences. 
  • Competencies: adaptability, Croatian language skills, regional market knowledge, resilience, building working relationships, direct and polite communication. 

Volunteer in Croatia?

  • Volunteer opportunities include stray animal care, bear conservation, marine conservation, child care and care for differently-abled people. You can also find many work for board and lodging with individuals.

Work in Croatia?

  • During the summer months, you can find temporary jobs in the tourism and hospitality sector. 
  • There are many jobs available in Croatia, more than the country can handle. Look especially in construction, health care, food production, tourism & hospitality and IT & marketing. 
  • Work culture: the work culture is quite hierarchical and decisions are made from the top down. Personal relationships and cooperation are important and communication is often formal and polite. 

Working as a digital nomad in Croatia?

  • Croatia has become increasingly popular among digital nomads in recent years. The infrastructure is good, the people friendly, there is plenty of nature to explore and the lifestyle is very comfortable and deliciously Mediterranean. 
  • Compared to many other countries in Europe, living in Croatia is still quite affordable, while you can enjoy modern accommodations, good Internet connections and more and more coworking spots. 
  • However. it does get hugely touristy in the summer. During this time it is a lot more expensive and harder to find accommodation. 
  • Favorite locations: Zagreb, Split, Dubrovnik. 

Living in Croatia?

  • In Croatia you enjoy a relaxed Mediterranean lifestyle - enjoying the outdoors, fresh food and lots of social activities, while not having to put down too much. 
  • It is a country with a rich cultural history that can still be seen everywhere, and for nature lovers there is also a lot to experience. 
  • The quality of life is very good - there are good facilities, the health care system is reasonably good and the climate is pleasant. Read further about getting a health insurance, when you are planning to stay for a long(er) time in Croatia. 
  • Croats are known for their hospitality and friendliness. 
  • There are some drawbacks, of course. For example, not everyone speaks English (especially the older generation), it is a very bureaucratic country, and tourism can sometimes drive you crazy. 

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Preparation & Packing

Packing list for Croatia, travel insurance for Croatia and taking your belongings

Packing list for Croatia, travel insurance for Croatia and taking your belongings

What to take to Croatia: brief

To pack and check:
  • Documents: a valid passport. Your travel document must be valid for the entire duration of your stay in Croatia when you're an EU citizen. When you have a passport from outside the EU, it must be valid for at least 3 months after your departure. A copy of your travel document and your travel insurance are useful to have both digitally and offline.
  • Money: Croatia uses the euro. In cities and tourist areas, you can pay with a debit or credit card almost everywhere. Some cash is useful for smaller businesses, markets, beach bars, and remote places.
  • Clothing: light clothing for the warm summer months, with a few layers for the evenings and for spring and autumn. Also bring something that covers your shoulders and knees when visiting churches and other religious sites. Long, lightweight trousers and a rain jacket are useful for hiking. And swimwear, which may well be the most important item of all.
  • Shoes: sneakers for cities and easy walks, plus sturdy hiking shoes for national parks and mountainous areas. Water shoes are recommended along the rocky Adriatic coast, also because of the many sea urchins.
  • Care and hygiene: sunscreen with a high protection factor, lip balm, and aftersun.
  • Outdoors and handy items: sunglasses, a sun hat or cap, a reusable water bottle, a daypack, and a quick-drying towel.
  • Packing and protection: a rain cover for your backpack and a waterproof pouch for your phone, camera, and other belongings, especially for boat trips, kayaking, and swimming.
  • Medicines and travel first-aid kit: personal medication, plasters, blister plasters, painkillers, and possibly ORS. A tick remover and small first-aid kit are useful for hiking.
  • Technology and equipment: a travel adapter for type C and F plugs. A power bank is useful during long hikes, boat trips, and road trips.
  • Safety: watch out for pickpockets in busy tourist areas. Forest and wildfires can occur in summer, especially during prolonged periods of drought and heat. During hot periods, keep an eye on local news and follow the instructions of the authorities. Bring enough water when you are hiking in national parks or other natural areas. Some places have very few facilities along the way.
To consider:
  • A foldable beach bag.
  • A snorkel set for the Adriatic coast.
  • Hiking poles for longer mountain hikes.
  • A headlamp for camping or hikes that take a little longer than planned.
  • Extra water bottles for hikes in hot, dry areas.
  • An offline hiking map can be very useful.
  • A small cool bag or insulated bag for road trips and beach days.
  • Insect repellent if you are prone to mosquito bites and are visiting the lakes in inland Croatia.

Are there dangerous insects in Croatia?

Are there mosquitoes in Croatia?
  • Yes, mosquitoes are present in large numbers during the warmer months, particularly around rivers, lakes, and other areas with water.
  • In eastern Croatia, there are mosquitoes that can transmit West Nile virus.
  • Mosquitoes are active both during the day and at night. Long, lightweight clothing and insect repellent can help protect against mosquito bites.
  • Read more about mosquitoes.
  • Read more about the use of DEET, as well as other ways to protect yourself against mosquitoes and insects.
Are there sandflies in Croatia?
  • Yes, sandflies occur in parts of Croatia and in other countries around the Adriatic and Balkan region.
  • These tiny flies are mainly active during warm periods and can transmit leishmaniasis. Fortunately, this is not common.
  • Read more about sand flies.
  • Read more about protection against sand flies and sand fleas.
Are there ticks in Croatia?
  • Ticks are also found in Croatia, especially when you are hiking through forests, grasslands, or scrublands. A tick remover, therefore, belongs on the packing list for hikers.
  • Long clothing and insect repellent containing DEET or picaridine can help prevent sandfly bites.
  • Read more about ticks.
  • Read more about protection against ticks and leeches.

Are DEET, or other insect repellents, available in Croatia?

  • Yes, pharmacies, drugstores, and shops in tourist areas usually sell various insect repellents. You have plenty of choice at shops such as DM, Müller, and BIPA. Popular products include Olival Natural Defense, Autan, Dipterol, and Jungle 4.
  • Going to a remote island, nature reserve, or campsite? It can be useful to bring some from home or stock up before heading somewhere more remote.

Is it legal to buy a joint or weed in Croatia, or bring it with you to Croatia?

  • Under Croatian law, recreational cannabis use is illegal. Minor offenses, such as possessing a small amount, have been decriminalized and generally result in a fine.
  • It can be confusing, partly because you may even come across CBD vending machines, but possessing or using larger quantities of cannabis, selling cannabis, or bringing it into the country can result in criminal penalties, including imprisonment.
  • Medical cannabis is permitted under certain conditions.
  • You cannot bring cannabis into the country on holiday, even if you legally or tolerably purchased it in another country.

 

Health, Insurance & Safety

What insurance can you choose as backpacker, emigrant, expat, intern, nomad, student, volunteer or traveler abroad?

What are the main international insurances through JoHo and WorldSupporter for activities, backpacking or travel to or from Croatia

Advice and decision support
Insurance

What are the main international insurances through JoHo and WorldSupporter for emigrants, expats and nomads in Croatia

Advice and decision support
Insurance
Why get specific insurance when going abroad: per activity abroad
What is travel insurance, and why take out specific insurance when you go on a trip or vacation?

What is travel insurance, and why take out specific insurance when you go on a trip or vacation?

What is travel insurance to insure your trip or vacation?

  • Travel insurance is insurance that provides coverage for risks during a trip or vacation abroad. This mainly concerns loss of or damage to your luggage, medical assistance in the event of accidents, for example, or repatriation costs if you need to be transported back to your home country urgently. In some cases, travel insurance coverage also applies in your home country.
  • With continuous travel insurance, you are insured for all your trips throughout the year.
  • With temporary travel insurance, you take out insurance for each trip for the duration of the trip.
  • Cancellation insurance reimburses (all or part of) the travel sum, cancellation or accommodation costs if you have to cancel or interrupt your vacation.

Why should you take out travel insurance for a short trip, vacation, or long-distance trip?

  • Travel insurance can provide coverage in the event of an accident or emergency while you are away.
  • Travel insurance can provide coverage for damage and accidents during the adventurous or sporting activities you are going to do.
  • Travel insurance can continue to provide coverage if your Dutch basic health insurance no longer provides coverage, or if the damage is only reimbursed at Dutch cost price.
  • Travel insurance can provide coverage in the event of damage, loss, or theft of your luggage.
  • Travel insurance can provide coverage if you are held liable for damage you cause to other people or their property.
  • Travel insurance can provide coverage if you have to return home early because something has happened to you or your immediate family.

What is important to insure when you are going to travel?

  • That you have insurance that is valid in the countries where you are going to travel and possible work.
  • That you are adequately insured for the sports and activities you are going to participate in during your full period abroad
  • That you are insured for emergency assistance and early return if something happens to you or your immediate family.
  • That your medical expenses are insured up to the actual cost and not just for the standard costs. The costs per medical treatment vary greatly between countries.
  • That you insure your luggage and take sufficient precautions against theft or damage.
  • That you are well insured against personal liability.
  • That you are well insured in case of accidents.
  • That you only insure yourself for legal assistance if there is an immediate reason to do so, unless coverage is already automatically included in the insurance.
  • That you pay close attention to choosing the right coverage when performing work or voluntary work during your world trip.

What insurance do you need for a trip or vacation?

 

What is round the world travel insurance or long-term travel insurance, and why take out specific insurance when you go abroad?

What is round the world travel insurance or long-term travel insurance, and why take out specific insurance when you go abroad?

What is round the world travel insurance or long-term travel insurance?

  • Round the world travel insurance means that you take out insurance that continues to provide coverage during all your activities abroad, and which is specifically intended for those who travel for long periods of time, such as world travelers, globetrotters, and nomads.

Why should you take out specialized travel insurance for a long trip abroad?

  • Round the world travel insurance provides coverage for a much longer trip than regular travel insurance.
  • World travel insurance is specifically intended for longer trips, whereas regular travel insurance may offer coverage on paper, but in practice handles it differently.
  • World travel insurance is suitable for many types of activities, ranging from high-altitude trekking to more risky sports.
  • World travel insurance continues to provide coverage if you start working during your trip, whether planned or unplanned. If you did not take out insurance before departure that allows you to work, there is no guarantee that you will be able to take out insurance that provides coverage while abroad.
  • Long-term travel insurance continues to provide coverage when your home country's health insurance no longer does.
  • Worldwide travel insurance also covers your medical expenses up to the actual cost, and not just for the standard costs. The costs per medical treatment vary greatly between countries.
  • Worldwide travel insurance can also continue to provide coverage if negative travel advice is issued.

What is important to insure when you are going to travel around the world?

  • That you have insurance that is valid in the countries where you are going to travel and possibly work.
  • That you are adequately insured for the sports and activities you are going to participate in during your full period abroad
  • That you are insured for emergency assistance and early return if something happens to you or your immediate family.
  • That your medical expenses are insured up to the actual cost and not just for the standard costs. The costs per medical treatment vary greatly between countries.
  • That you insure your luggage and take sufficient precautions against theft or damage.
  • That you are well insured against personal liability.
  • That you are well insured in case of accidents.
  • That you only insure yourself for legal assistance if there is an immediate reason to do so, unless coverage is already automatically included in the insurance.
  • That you pay close attention to choosing the right coverage when performing work or voluntary work during your world trip.

What insurance do you need when backpacking abroad?

What is backpack insurance, and why take out specific insurance when you go backpacking abroad?

What is backpack insurance, and why take out specific insurance when you go backpacking abroad?

What is backpacking insurance and travel insurance for backpackers?

  • Backpacking insurance for backpackers means that you take out insurance that continues to provide coverage during all your activities abroad and is specifically intended for those who are traveling for a long time, traveling independently, or making frequent use of local transportation.

Why should you take out travel insurance specifically for backpacking?

  • Travel insurance for backpacking can provide coverage in the event of an accident or emergency while backpacking.
  • Travel insurance for backpacking can provide coverage for damage and accidents during your adventurous or sporting activities.
  • Travel insurance for backpacking can continue to provide coverage if your Dutch basic health insurance no longer provides coverage, or if the damage is only reimbursed at Dutch cost price.
  • Travel insurance for backpacking can provide coverage in the event of damage, loss, or theft of your luggage while backpacking.
  • Travel insurance for backpacking can provide coverage if you are held liable for damage you cause to other people or their property.
  • Travel insurance for backpacking can provide coverage if you have to return home early because something has happened to you or your immediate family while backpacking.

What aspects are important to insure when backpacking abroad?

  • The duration of your trip: so that you are also covered during a very long backpacking trip, or can extend your coverage if you want to stay longer
  • The activities during your trip: so that you can also participate in all kinds of sports and adventure activities that are excluded from travel insurance
  • Coverage of your medical expenses during your trip: so that you are always covered, even if you go to work or if the costs in the event of an accident are higher than the Dutch rate
  • Coverage for natural disasters and war during your trip: so that you don't have to return home immediately with your tail between your legs every time the Dutch government issues negative travel advice
  • Your insurer's specialization: so that your insurer specializes in backpacking trips or long stays abroad, and doesn't treat you like an “all-inclusive sunglasses claimant.”

What insurance do you need when backpacking abroad?

What is insurance for working abroad, and why do you need specific insurance if you are going to do paid work?

What is insurance for working abroad, and why do you need specific insurance if you are going to do paid work?

What is insurance for working abroad?

  • Insuring yourself for working abroad means taking out insurance that continues to provide coverage during your paid work abroad.

Why take out insurance, and when is normal travel insurance no longer sufficient?

  • There may be several reasons why you need separate insurance for paid work abroad.
  • During your work, local employers generally offer no or limited insurance that does not provide sufficient coverage.
  • The risk of accidents is sometimes greater during your work, for example because you are doing work with which you have little experience or because of the nature of the work.
  • During specific work abroad, additional requirements may apply as soon as you start performing work that involves additional risks. Only special insurance policies offer coverage during this type of work.
  • During work, internships, or volunteer work abroad where you receive a salary or compensation (for example, food or housing), your local health insurance coverage will normally lapse. You will then need special insurance to remain insured for illness and accidents.
  • Standard travel insurance policies generally do not provide sufficient coverage to apply for a work visa or working holiday visa.
  • Standard travel insurance policies generally only cover stays abroad for a limited number of days. If your trip or stay abroad exceeds the maximum number of days, this generally means that there will be no coverage for the entire travel period.
  • Standard travel insurance policies generally only provide coverage for recreational travel without study, internship, or work. If you engage in activities other than recreational activities, this generally means that you will no longer be covered for the entire travel period.

What should you pay attention to in your insurance policy if you are going to work abroad?

  • Make sure you have insurance that is valid in the area where you will be traveling and working.
  • Make sure you are adequately insured for the sports and activities you will be participating in.
  • That you are insured for emergency assistance and early return if something happens to you or your immediate family.
  • That your medical expenses are insured up to the actual cost and not just for the standard costs. The costs per medical treatment vary greatly between countries.
  • That you insure your luggage and take sufficient precautions against theft or damage.
  • That you are well insured against personal liability.
  • That you are well insured in case of accidents.
  • That you insure yourself for legal assistance if there is an immediate reason to do so, unless the coverage is already automatically included in the insurance.
  • That you take care to choose the right coverage when working in healthcare, with wild animals, and with dangerous machinery.

What insurance do you need to work abroad?

What is insurance for working with animals abroad, and why do you need specific insurance for jobs, internships, and volunteer work abroad?

What is insurance for working with animals abroad, and why do you need specific insurance for jobs, internships, and volunteer work abroad?

What is insurance for working with animals abroad?

  • Insuring yourself for working abroad with animals means taking out insurance that continues to provide coverage during your paid, unpaid, or internship work abroad, where minor or major risks are involved.

Why take out insurance, and when is normal travel insurance no longer sufficient?

  • There may be several reasons why you need separate insurance for work abroad.
  • During specific work abroad, additional requirements may apply as soon as you start performing work that involves additional risks. Only special insurance policies offer coverage during this type of work. Almost all standard insurers exclude working with animals from coverage.
  • The risk of accidents is sometimes greater during your work, for example because you are doing work with which you have little experience or because of the nature of the work. All over the world, there are reserves, rescue centers, and zoos where you can roll up your sleeves as a veterinarian, intern, or volunteer. Working with animals or wildlife is not without danger. No matter how cute they may look, or how tame they may behave. All animals can suddenly bite viciously or lash out with a claw or beak. Not only can this result in nasty injuries, but it can also transmit diseases that you would rather not have, and certainly not abroad.
  • During work, internships, or volunteer work abroad where you receive a salary or compensation (for example, food or housing), your local health insurance coverage will normally lapse. You will then need special insurance to remain insured for illness and accidents.
  • During your work, local employers generally offer no or limited insurance that does not provide sufficient coverage.

What should you pay attention to in your insurance policy if you are going to work abroad?

  • Make sure you have insurance that is valid in the area where you will be traveling and working.
  • That you have insurance that provides sufficient coverage for the work you will be performing.
  • Make sure you are adequately insured for the sports and activities you will be participating in.
  • That you are insured for emergency assistance and early return if something happens to you or your immediate family.
  • That your medical expenses are insured up to the actual cost and not just for the standard costs. The costs per medical treatment vary greatly between countries.
  • That you insure your luggage and take sufficient precautions against theft or damage.
  • That you are well insured against personal liability.
  • That you are well insured in case of accidents.
  • That you insure yourself for legal assistance if there is an immediate reason to do so, unless the coverage is already automatically included in the insurance.

Which insurance do you need for working, an internship, or volunteering with animals abroad?

What is volunteer insurance, and why should you take out specific insurance if you are going to do volunteer work?

What is volunteer insurance, and why should you take out specific insurance if you are going to do volunteer work?

What is insurance for volunteering abroad?

  • Insuring volunteer work abroad means taking out insurance that continues to provide coverage while you are working as a volunteer abroad

Why should you take out specialized travel insurance for voluntary work abroad?

  • There may be several reasons why you need separate insurance when volunteering abroad.
  • During specific activities abroad, additional requirements may apply if your work involves extra risks. Only specific insurance policies offer coverage during these activities.
  • The risk of accidents is sometimes higher during your work, for example because you are doing work you have little experience with or because of the nature of the work.
  • Local projects or employers generally offer no or limited insurance that provides insufficient coverage during your work.
  • When volunteering abroad and receiving minor financial compensation (or, for example, food or housing), your home country's health insurance coverage will potentially lapse. You will then need special insurance to remain insured for illness and accidents.
  • Regular travel insurance policies generally provide coverage for trips of a limited number of days. If your trip or stay abroad exceeds the maximum number of days, this generally means that for the entire travel period, you will not be covered.
  • Regular travel insurance policies generally only provide coverage for recreational travel without voluntary work activities. If you engage in activities other than recreational activities (such as volunteer work), this generally means that for the entire travel period, you will not be covered.

What is important to insure when you are going to work as a volunteer abroad?

  • That you have insurance that is valid in the country or countries where you are going to travel and volunteer.
  • That you are adequately insured for the sports and activities you are going to participate in during your period abroad
  • That you are insured for emergency assistance and early return if something happens to you or your immediate family.
  • That your medical expenses are insured up to the actual cost and not just for the standard costs. The costs per medical treatment vary greatly between countries.
  • That you insure your luggage and take sufficient precautions against theft or damage.
  • That you are well insured against personal liability.
  • That you are well insured in case of accidents.
  • That you only insure yourself for legal assistance if there is an immediate reason to do so, unless coverage is already automatically included in the insurance.
  • That when performing work in healthcare, with wild animals, and with dangerous (agricultural) machinery, you take care to choose the right coverage.

What insurance do you need when volunteering abroad?

Why should you take out specialized travel insurance for an internship abroad?

Why should you take out specialized travel insurance for an internship abroad?

What is insurance for an internship abroad?

  • Insuring an internship abroad means taking out insurance that continues to provide coverage during your internship abroad
  • Insurance for internships abroad are also referred to as internship insurance. This internship insurance is specifically for when you go abroad for a long period of time to work as an intern, take courses, or conduct research abroad.

Why should you take out specialized travel insurance for an internship abroad?

  • There may be several reasons why you need separate insurance for an internship abroad.
  • During internship activities abroad, additional requirements may apply as soon as you start performing work that involves additional risks. Only specific insurance policies offer coverage during these activities.
  • During your internship, the risk of accidents is sometimes greater, for example because you are doing work with which you have little experience or because of the nature of the work.
  • During your internship, local employers generally do not offer insurance, or offer limited insurance that does not provide sufficient coverage.
  • During an internship abroad where you receive financial compensation (or, for example, food or accommodation), your home country's health insurance coverage will potentially lapse. You will then need special insurance to remain insured for illness and accidents.
  • Regular travel insurance policies generally provide coverage for trips of a limited number of days. If your trip or stay abroad exceeds the maximum number of days, this generally means that for the entire travel period, you will not be covered.
  • Regular travel insurance policies generally only provide coverage for recreational trips without work activities.

What is important to insure when you are going to be an intern abroad?

  • That you have insurance that is valid in the area where you will be traveling and doing your internship.
  • That you are adequately insured for the sports and activities you will be participating in.
  • That you are insured for emergency assistance and early return in case something happens to you or your immediate family.
  • That your medical expenses are insured up to the actual cost (what it actually costs), and not just for the standard costs. The costs per medical treatment vary greatly between countries.
  • That you insure your luggage and take sufficient precautions against theft or damage.
  • That you are well insured against personal liability and, preferably, also for liability during your internship.
  • That you are well insured in case of accidents.
  • That you insure yourself for legal assistance if there is an immediate reason to do so, unless the coverage is already automatically included in the insurance.
  • Make sure you choose the right coverage for internship work in healthcare, with wild animals, or with dangerous machinery!

Check out more about international insurances

What is insurance for studying abroad, and why should you take out specialized travel insurance for your education abroad?

What is insurance for studying abroad, and why should you take out specialized travel insurance for your education abroad?

What is insurance for studying abroad?

  • Insurance for studying abroad means that you take out insurance that continues to provide coverage during your studies, your education, and your related activities abroad.
  • Insurance for studying abroad is also referred to as study insurance. This study insurance is specifically for when you go abroad for a long period of time to take courses, study, or conduct research abroad.

Why should you take out specialized travel insurance for a study abroad?

  • Study insurance is specifically designed for studying abroad, whereas regular travel insurance policies may offer coverage on paper but handle this situation differently in practice.
  • Study insurance offers coverage for longer stays than regular (vacation) travel insurance.
  • Study insurance is also suitable for many types of activities, ranging from various sports to hiking at high altitudes.
  • Study insurance continues to provide coverage if you start working during your trip, whether planned or unplanned. If you have not taken out insurance before departure that allows you to work, there is no guarantee that you will be able to take out insurance abroad that provides coverage.
  • Study insurance continues to provide coverage if your own country's health insurance no longer provides coverage.
  • Student insurance also covers your healthcare costs above the rates in your own country; with regular insurance, you have to pay the extra costs yourself.
  • Student insurance can also continue to provide coverage if (study) visa issuers impose additional requirements on how you insure yourself, for example if you are going to the US and applying for a J-1 visa.
  • Student insurance continues to provide coverage if you are staying abroad for a longer period of time and want to visit your own country in between.

What is important to insure when you are going to study abroad?

  • That you have insurance that is valid in the country or countries where you are going to travel and work.
  • That you are adequately insured for the sports and activities you are going to participate in during your period abroad
  • That you are insured for emergency assistance and early return if something happens to you or your immediate family.
  • That your medical expenses are insured up to the actual cost and not just for the standard costs. The costs per medical treatment vary greatly between countries.
  • That you insure your luggage and take sufficient precautions against theft or damage.
  • That you are well insured against personal liability.
  • That you are well insured in case of accidents.
  • That you only insure yourself for legal assistance if there is an immediate reason to do so, unless coverage is already automatically included in the insurance.
  • That you pay close attention to choosing the right coverage when performing work alongside your studies.

Check out more about international insurances

What is an expat insurance or emigration insurance, and why specifically take out insurance if you are going to do move abroad?

What is an expat insurance or emigration insurance, and why specifically take out insurance if you are going to do move abroad?

What is an expat insurance?

  • Expat insurance is insurance that continues to provide coverage if you go to work abroad for a local or international employer for an extended period of time.
  • Expat insurance is not only intended for expats, but for anyone who has a more permanent job abroad.

What is an emigration insurance, or insurance for moving and living abroad?

  • Emigration insurance is an insurance that continues to provide coverage if you move abroad permanently or for an indefinite period of time.
  • Emigration insurance is not only intended for emigrants, but for anyone who leaves their home country for an extended period of time and does not intend to return in the foreseeable future.

Why should you take out specialized insurance for emigration or working as an expat abroad?

  • Emigration or expat insurance not only provides coverage for acute assistance in the event of illness or accident abroad, such as travel insurance, but can also provide coverage for existing conditions and ailments or non-urgent care.
  • Emigration or expat insurance does not require you to maintain valid health insurance in your home country.
  • Emigration or expat insurance provides coverage for preventive care or costs related to pregnancy and childbirth.
  • Emigration or expat insurance also provides coverage for long-term treatments and chronic conditions without you having to return to your home country.
  • Emigration or expat insurance often has no restrictions on the duration of the insurance, unlike travel insurance.
  • Emigration or expat insurance usually maintains coverage in cases such as negative travel advice or acts of war.
  • Emigration or expat insurance offers various solutions in the areas of disability, home and household insurance, goods transport, and liability.

What is important to insure when you are going to move abroad?

  • That you have insurance that is valid in the country or countries where you are going to live and/or work.
  • That you are adequately insured for the sports and activities you are going to participate in during your period abroad
  • That you are insured for emergency assistance and early return if something happens to you or your immediate family.
  • That your medical expenses are insured up to the actual cost and not just for the standard costs. The costs per medical treatment vary greatly between countries.
  • That you are well insured against personal liability.
  • That you are well insured in case of accidents.
  • That you pay close attention to choosing the right coverage when performing work with additional health risks

When can you also live abroad for a longer period of time with travel insurance?

  • There are also special expiring travel insurance policies that provide coverage without you having valid health insurance in your home country, however, these travel insurance policies are not intended for emigration or expats, but for stays outside your home country of up to a few years, for study, temporary work, volunteer work, and longer trips.
  • See the information at International Insurances for backpacking and travel abroad

What insurance do you need for emigration or working as an expat abroad?

International insurance through JoHo Insurances and JoHo WorldSupporter

International insurance through JoHo Insurances and JoHo WorldSupporter

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Table of content

  • Why should you take out insurance through the JoHo Foundation when you go abroad?
  • Insuring activities abroad:
    • internships, studying, volunteer work or paid work
    • backpacking, holiday, travel or round the world
    • emigration, living abroad, working as expat
  • Insurances for abroad: per insurance 
  • Insurances for abroad: per organization
  • How healthcare works
......Read more on this page
Insuring, troubleshooting and safe travel abroad

Insuring, troubleshooting and safe travel abroad

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Table of contents
  • Why get specific insurance when going abroad?
  • How to survive disasters abroad ?
  • How to insure activities abroad?
  • Which Insurances apply for internships, staying, studying, volunteer work or paid work abroad?

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Reading & Remembering

Croatia: Updates & Travel

Croatia: Updates & Travel

Travel in Croatia?

  • One of the most beautiful parts of the Mediterranean coast is becoming increasingly popular - especially in the summer months. The more than 1,100 islands and Dubrovnik are particularly beautiful.
  • Go cycling through the Mljet National Park, on the Mljet island. With lakes and vast forests.
  • Be amazed by the waterfalls and lakes in the Plitvice Lakes National Park. Especially go outside the high season, otherwise you will mainly see people.
  • Go diving on the coast of Vis, where many different shipwrecks lie on the bottom.
  • With all those islands, you can make island hopping a sport. The Kornati National Park, which consists of 90 islands (after 3 you have seen them all), Havr (a party town) and the islands near Dubrovnik are worth it.
  • Hiking and climbing are best done in the Sjeverni Velebit or Paklenica national park. JoHotspots in Croatia
  • Split is a booming port city that was founded by the Romans in the third century AD. Especially in Diocletian's Palace you get the feeling that you are going back in time.
  • Zagreb: Beautiful architecture, good museums (in Donji Grad), parks and a nice café culture. The roof of the St. Mark's Church, the cathedral and the parliament building (Sabor) are especially well-known.
  • Dubrovnik is one of the best preserved walled cities in the world. The city wall dates back to the 13th century and the historic center is on the UNESCO World Heritage List.
  • Zlatni Rat (Golden Coast) is probably the most beautiful beach in Croatia on the island of Brac. Especially if you like windsurfing, you should go there.

Updates Croatia

  • More about Croatia, updates and contributions, see the link below.

     

     

    Croatia: selection of contributions by WorldSupporters - Bundle

    Image ACTIVITIES

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    Image Ga stage lopen in de toeristische sector als host/hostess voor een Nederlandse reisorganisatie
    Ga stage lopen in de toeristische sector als host/hostess voor een Nederlandse reisorganisatie met stage mogelijkheden verspreid over Europa of vanuit Nederland
    Image Word host/hostess voor een Nederlandse reisorganisatie en bezorg de gasten een zorgeloze en plezierige vakantie
    Word host/hostess voor een Nederlandse reisorganisatie en bezorg de gasten een zorgeloze en plezierige vakantie. Minimum leeftijd is 23 jaar en het is een grote pre als...
    Image Dol op watersport en zon? Ga dan werken bij een reisorganisatie die diverse soorten zeilvakanties aanbiedt, en vacatures heeft op het gebied van horeca, sport & spel, toerisme en entertainment
    Dol op watersport en zon? Ga dan werken bij een reisorganisatie die diverse soorten zeilvakanties aanbiedt, en vacatures heeft op het gebied van horeca, sport & spel...
    Image Geniet van het mooie Kroatië tijdens je stage als bar, winkel- of restaurantmedewerker op een camping
    Geniet van het mooie Kroatië tijdens je stage als bar, winkel- of restaurantmedewerker op een camping
    Image Wil jij een zomerbaan in het buitenland? Werk dan op één van de campings in Frankrijk, Duitsland, Spanje, Oostenrijk en Kroatië
    Wil jij graag in de zomer in het buitenland werken? Werk dan op één van de campings in Frankrijk, Duitsland, Spanje, Oostenrijk en Kroatië. Verschillende functies...
    Image Werken en stagelopen in de makelaardij in het buitenland
    Werken en stagelopen in de makelaardij in het buitenland
    Image Work as a host on a sailing ship in the Mediterranean and ensure guests enjoy their holiday
    You welcome clients, brief them on routes and activities and answer general questions. You organise events and activities such as BBQ's and tours. You assist in the...
    Image In het hoogseizoen meewerken op een camping? Er zijn elk jaar verschillende functies te vervullen o.a. animatie, receptie, bar/restaurant of badmeester
    In het hoogseizoen meewerken op een camping? Er zijn elk jaar verschillende functies te vervullen o.a. animatie, receptie, bar/restaurant of badmeester.
    Image Leer een land en de bevolking goed kennen door mee te werken in een bouwkamp
    Leer een land en de bevolking goed kennen door mee te werken in een bouwkamp.
    Image Discover the world while working on a luxury cruiseship
    The positions vary from bartender, waitress, sous chef, baker to a front office position and cruisemanager position.
    Activities abroad: home bundle

    Main content and contributions for activities abroad

    ,,,accommodations, adventure activities, courses, internships, jobs and volunteer projects

    ...to help another, travel with care, work together , learn to share and inspire with your experience

     

    Activities abroad: home page

    Activities abroad: home page

    From language courses to a gap year abroad, from work experience to volunteering abroad, from paid work to an internship abroad, from mountaineering to diving, and from backpacking to traveling around the world

      What social activities can you do abroad?

      • Opportunities are found in the areas of helping, learning or studying.
      • You can get involved and volunteer in a social project at a school in Africa, Asia or Latin America.
      • You can get involved in nature, in a project with animals or cleaning the sea or beaches.
      • Those who want to learn more can choose to do, for example a language course in Latin America, Spain or South Africa.

      What work related activities can you do abroad?

      • When you aim to gain work experience and/or also earn money, go and work abroad.
      • You can combine backpacking in Australia with temporary work.
      • You can work on campsites in Europe or bush camps in Africa.
      • You can almost go all over the world to work in the hospitality industry, hotels, and hostels, in the healthcare sector, or, for example, at a diving school.

      What sports activities to do abroad?

      • Have you ever thought of mountain biking, rafting (going down a wild river on a raft or rubber dinghy, climbing, or canoeing), survival (which involves building rafts, climbing or canoeing), abseiling (descending a rock face while secured to ropes), zip-lining (whizzing down a cable), canyoning (starting at the top of a river and then climbing, swimming, diving down the bed) or caving (scrambling, wriggling and crawling through caves and crevices)?
      • Maybe you feel more comfortable on a bodyboard (on a half-wave surfboard, you surf the high waves lying down with flippers), on a hang glider or while paragliding (with a parachute you float down a mountain or dune), hydrospeeding (on a bodyboard with flippers and a wetsuit on you go down a wild river via rapids), or Tiefschneeskiing (racing down through powder snow)?

      Check the pages below for more activities and inspiration and where to go and how to arrange it

        Activities abroad: for experiencing countries and cultures abroad

        Activities abroad: for experiencing countries and cultures abroad

        Bundled content for experiencing countries and cultures during gap year, travel and backpacking abroad

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        What to do abroad? Questions and answers about working, internships, and volunteering per focus area

        What to do abroad? Questions and answers about working, internships, and volunteering per focus area

        Functions, opportunities and careers per focus area

        What is it, why would you do it, and where is the best place to go?

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        Image STORIES

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        Image Packing list for Croatia, travel insurance for Croatia and taking your belongings
        Packing for and taking to Croatia What to take to Croatia: brief Are there dangerous insects in Croatia? Are DEET, or other insect repellents, available in Croatia? Is...
        Image Welk visum regelen voor een reis naar Kroatië?
        Toeristenvisum Er is geen toeristenvisum nodig voor Kroatië voor een verblijf tot 90 dagen. Het is onduidelijk hoe je langer kunt blijven, maar waarschijnlijk moet er...
        Image Digital Nomad Resident Permit (Visa) for Non EU citizens in Croatia
        As more and more people are working online being a digital nomad will probably still be an attractive way of combining work and seeing more of the world!Croatia has...
        Image Croatia: Updates & Travel
        Croatia is one of the most beautiful parts of the Mediterranean coast. And it is becoming increasingly popular - especially in the summer months. The more than 1,100...
        Countries & Destinations: home bundle

        Bundled content, suggestions, stories and tips about the countries and destinations in the world

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        Africa: country bundles

        Africa: country bundles

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        Asia: country bundles

        Asia: country bundles

        Country bundles of Asian countries

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        Europe: country bundles

        Europe: country bundles

        Country bundles of European countries

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        The Caribbean: country bundles
        How healthcare works Worldwide: questions and answers per country about insurance and the healthcare system

        How healthcare works Worldwide: questions and answers per country about insurance and the healthcare system

        How does the healthcare system work across the world?
        • How does the public healthcare system work per continent and per country?
        • How does the private healthcare system work?
        • How is the family doctor or general practitioner arranged?
        • How is the dental care and dentist arranged?
        • How is pregnancy and maternity care arranged?
        • How safe or unsafe is a trip or stay in each region?
        • What are the best insurance options for backpacking, traveling, doing an internship, studying, volunteering, or working abroad?
        • What types of insurance should you get if you're planning to emigrate, work as an expat, or live abroad?
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        The World

        The World

        Where to go in the world?

        Backpacking around the world?

        • There is so much to see that instead of a page we could fill an entire website about this... Oh but wait, we did! See above all the countries of the world and their unique features :). What else we can say here: the world is your playground! Each continent has something special to offer, and here is a very short list of some of the best places: 
        • South America: Patagonia for epic hikes, Colombia for fun locals and culture and Ecuador for unique culture. 
        • Asia: Thailand as backpacker Mecca (or make it a tour of Southeast Asia right away), Japan for a combo of modern and traditional and many conveniences, Nepal for the real hikers and spiritualists among us. 
        • Africa: Namibia for vast deserts, Tanzania for safaris and Kilimanjaro and Madagascar for if you really want to see totally unique nature and encounter few others. 
        • Europe: Portugal for charming and affordable vacations, Paris, Berlin, London and Prague for fun city trips, Scotland for rugged nature and Outlander lovers and Albania for Eastern European authenticity with modern conveniences.
        • Oceania: New Zealand for pristine landscapes, Fiji for a true paradise and Australia for mega-long road trips. 
        • North America: for conveniences and pricey trips, but fun and modern with beautiful nature. 
        • Antarctica: if you have the opportunity and money, let us know in the comments how it was!
        • Activity spotting: too many to mention. Otherwise, start with the 7 wonders of the world, or the highest mountain on each continent, or go on a fun city break.   

        Study around the world?

        • Best places: UK, US, Singapore (but also expensive), Germany, Finland, Netherlands, Australia.
        • Better not to: Nauru because there is no university there, North Korea, Afghanistan, Somalia, conflict zones but also many other countries that are still developing unless you like to learn about local customs and nature. 

        Internship in the world?

        • There is so much out there! Think Switzerland for luxury corporate internships, Costa Rica for ecotourism and nature conservation, India for innovative and cultural challenges, etc etc etc. 
        • Competencies: international cooperation, flexibility, adaptability, language skills. 

        Volunteer around the world?

        • You make the most difference in poorer countries where they could use your help. Consider volunteering in the areas of education, community development, health care, child care, women's empowerment, helping start businesses, nature and animal protection etc. 

        Working around the world?

        • In each country, it is totally different. If you want to go for a high salary, look at Switzerland and Singapore. Canada is otherwise pretty migrant friendly and as a European you can of course work anywhere in Europe. 

        Working as a digital nomad around the world?

        • As a digital nomad, you have a choice of the ultimate digital nomad places like Bali, Chiang Mai, Medellín and Lisbon, or quieter places like Puebla, Vilnius, Gran Canaria, Dakar. 
        • Places not to recommend: North Korea, Antarctica, Baghdad, Pacific islands and conflict zones, of course. 

        Living in the world?

        • Here you can go for adventure combined with challenges, uncertainty and risk, or safer places that may be more like home and have similar amenities. 
        • The world is full of diversity, from the samba of Brazil to the tea ceremonies of Japan. The best places depend on your preferences for adventure, tranquility or tradition.
        • But ... no matter where you live, go and explore, always make sure you take care and have your own well-covered health insurance.

        Image ORGANIZATIONS

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        Image Internationale Bouworde (IBO)
        IBO-Nederland arranges volunteer work and internships mainly in Europe, but also in other parts of the world. In the past, the foundation primarily focused on...
        Image Rewilding Europe
        Rewilding Europe works to scale up nature recovery across the continent by reintroducing keystone species and removing man-made barriers, allowing natural processes to...
        Image Psycholoog op Afstand
        Waar ook ter wereld oline psychische hulp en therapie via facetime, skype, chat en mail. Persoonlijk en discreet, met je eigen online psycholoog. Behandeling bij...
        Image Sunsail
        Sunsail is a travel agency that organizes various types of sailing trips to destinations around the world. Yacht charter or sailing vacations with or without skipper
        Image Institute for Field Research (IFR)
        Institute for Field Research (IFR) is an independent, nonprofit academic organization that delivers evidence-based field science programs in a broad range of disciplines...
        Organizations & Services: home bundle

        Bundled content, suggestions, stories and tips about organizations and their products and services

        ...to help another, travel with care, work together, learn to share and inspire with your experience

        Organizations: home page
        Organizations for administrative, tax and legal work and consulting

        Organizations for administrative, tax and legal work and consulting

        international law

        Activities, internships, paid work, services or volunteer work in administration, tax and legal consulting

        Administrative, tax and legal consulting abroad: by position

        For job roles and duties related to activities, internships and jobs abroad, see:
        ......Read more on this page
        Organizations for agriculture, grape picking, farming and vineyards

        Organizations for agriculture, grape picking, farming and vineyards

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        Activities, internships, paid work, services or volunteer work in agriculture, grape picking, farming and vineyards abroad

        Working with livestock, harvesting crops, wine production and horticulture abroad

        Agriculture, fruit picking and farming: by position

        For job roles and duties related to activities, internships and jobs abroad, see:
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        Organizations for animal protection, animal care and working with wildlife abroad

        Organizations for animal protection, animal care and working with wildlife abroad

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        Activities, internships, paid work, services or volunteer work in animal protection, animal care and wildlife projects abroad

        For working in animal shelters, wildlife rehabilitation centers, protecting wildlife reserves and taking care of animals abroad

        Animal protection, animal care and working with wildlife: by position

        For job roles and duties related to activities, internships and jobs abroad, see:
        ......Read more on this page
        Organizations for au pairs, youth work and child care abroad

        Organizations for au pairs, youth work and child care abroad

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        Activities, internships, paid work, services or volunteer work in youth work, child care or as an au pair abroad

        Au pair exchange, youth work and child care: by position

        For job roles and duties related to activities, internships and jobs abroad, see:
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        Organizations: for bush camping and working at a campsite abroad
        Organizations: for catering, hospitality and entertainment abroad
        Organizations: for civil society and social work abroad
        Organizations for corporate business services

        Organizations for corporate business services

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        Activities, internships, paid work, services or volunteer work in corporate business services

        Corporate business services abroad: by position

        For job roles and duties related to activities, internships and jobs abroad, see:
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        Organizations: for customer services abroad and help desks
        Organizations: for diving, snorkeling and water sports abroad
        Organizations: for education and schools abroad
        Organizations: for expatriate insurances, travel insurances, and emergency call centers
        Organizations: for gap year activities abroad and sabbaticals
        Organizations: for internship placement abroad
        Organizations: for insurances and finance abroad
        Organizations for IT, engineering and construction

        Organizations for IT, engineering and construction

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        Activities, internships, paid work, services or volunteer work in IT, webdevelopment, engineering and construction

        IT, engineering and construction abroad: by position

        For job roles and duties related to activities, internships and jobs abroad, see:
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        Organizations: for language travel and language teaching abroad
        Organizations for marketing, communication and PR abroad

        Organizations for marketing, communication and PR abroad

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        Activities, internships, paid work, services or volunteer work in marketing and communication

        Marketing, communication and PR abroad: by position

        For job roles and duties related to activities, internships and jobs abroad, see:
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        Organizations: for mediation in au pairs, childcare and elderly care in the Netherlands
        Organizations for moving, international relocation and transport abroad

        Organizations for moving, international relocation and transport abroad

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        Activities, internships, paid work, services or volunteer work in transport and international relocation

        Moving abroad and relocation services abroad: by position

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        Moving abroad and relocation

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        Organizations for nature conservation, environmental protection and working in nature abroad

        Organizations for nature conservation, environmental protection and working in nature abroad

        Costa Rica rain forest - Jungle

        Activities, internships, paid work, services or volunteer work in environmental protection, sustainability and nature conservation

        Nature conservation and environmental protection abroad: by position

        For job roles and duties related to activities, internships and jobs abroad, see:
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        Organizations: for nonprofit projects, development work and international cooperation
        Organizations: for online work as digital nomad, freelancer, or independent entrepreneur from abroad
        Organizations: for outdoor activities and sports
        Organizations: for providing accommodation and hospitality work in hotels, guesthouses, ecolodges and hostels abroad

        Organizations: for providing accommodation and hospitality work in hotels, guesthouses, ecolodges and hostels abroad

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        Activities, internships, paid work, services or volunteer work in hotels, resorts, guesthouses, ecolodges, bed and breakfasts and hostels abroad

        Working in hospitality and tourist accommodations abroad: by position

        For job roles and duties related to activities, internships and jobs abroad, see:
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        Organizations: for providing healthcare and working in medical care abroad

        Organizations: for providing healthcare and working in medical care abroad

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        Activities, internships, paid work, services or volunteer work in healthcare

        Providing healthcare and working in medical care abroad: by position

        For job roles and duties related to activities, internships and jobs abroad, see:
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        Organizations: for psychological assistance and mental health care abroad

        Organizations: for psychological assistance and mental health care abroad

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        Activities, internships, paid work, services or volunteer work in psychological assistance, coaching and mental health care abroad

        Psychological assistance, coaching and mental health care abroad: by position

        For job roles and duties related to activities, internships and jobs abroad, see:
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        Organizations: for real estate, brokerage abroad and property rental abroad
        Organizations: for research and scientific work abroad

        Organizations: for research and scientific work abroad

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        Organizations: for research, R&D, data collection, data analysis and scientific work abroad

        Activities, internships, paid work, services or volunteer work in research and science

        From R&D to data collection and data analysis

        Research and science abroad: by position

        For job roles and duties related to activities, internships and jobs abroad, see:
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        Organizations: for student support and student associations
        Organizations: for tour guidance and adventure tours abroad
        Organizations: for tourism and organized travel and leisure work abroad
        Organizations for voluntary work mediation and project placement abroad

        Organizations for voluntary work mediation and project placement abroad

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        Activities, services, or volunteer work through intermediaries for volunteering abroad and organizations that could make good use of volunteers!

        Voluntary work mediation and project placement abroad: by position

        For job roles and duties related to activities, internships, and volunteering abroad, see:
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        Organizations for yacht and shipping crew and working on a cruise ship abroad

        Organizations for yacht and shipping crew and working on a cruise ship abroad

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        Activities, internships, paid work, services or volunteer work on cruise ships, sailing yachts and other ships

        Boat crew, deck hand or working for an international shipping organization

        Working on a yacht or cruise ship abroad: by position

        For job roles and duties related to activities, internships and jobs abroad, see:
        ......Read more on this page

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        SPOTLIGHT & FAVORITES

        FAVORITES
        Croatia: Updates & Travel
        • Travel in Croatia?
        • Updates Croatia
        • Travel in Croatia?

          • One of the most beautiful parts of the Mediterranean coast is becoming increasingly popular - especially in the summer months. The more than 1,100 islands and Dubrovnik are particularly beautiful.
          • ...

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