If you've searched the internet for private medical insurance that covers expats in Montenegro then you are most likely for looking for established UK based health insurance providers that can cover your medical costs in Montenegro.
Living as an expat in Montenegro you want to avoid any nasty unexpected health care costs. In some countries these can run into hundreds of thousands of pounds for very serious conditions.
Our advice when shopping around for health insurance that covers expatriates living in Montenegro is to speak to a health insurance broker. Health insurance is extremely complicated and if you want complete certainty that Montenegro is covered you should talk with a health insurance broker who can explain which policy providers will cover medical expenses for expatriates in Montenegro and which will exclude it.
There are many advantages to using a broker but the biggest by far is that you're using their insurance training at no cost. They are paid by the insurer (Aviva or Bupa etc) rather than by you so it costs you no extra to use their services.
- Do you live in many different areas? Some will give you a lower premium than offers. A broker will be able to advise whats best.
- Do you have a hobby that may invalidate your insurance claim? A broker will know this vital information.
- If you are a couple and one of you has claimed on your policy this year would it be cheaper to separate you both onto two different policies?
- You've developed a certain condition and want to know which insurer offers the largest amount of cover for it. A broker will know this instantly saving you huge amounts of time and effort.
You can call around every medical insurance provider on the market and ask if they provider cover for expats in Montenegro, however this will be a very time consuming process. Each insurer will ask for your medical history because its not normally a simple yes or not if a medical condition is covered or not.
Its far far quicker to speak to one medical insurance broker which will know which policy providers on the market offer cover for expats in Montenegro and under what conditions they do or don't cover it.
Montenegro is one of the fastest-growing tourist destinations. In 2007, over a million tourists visited Montenegro, making some 7.3 million overnight stays (23% increase, compared to 2006). This accounted for some 480 million euros in tourism revenue in 2007 (39% increase, compared to previous year). In 2015, tourism realised over 1.7 million arrivals, with a further increase in 2016. In the same year, the coastal town of Kotor was named the best city to visit by Lonely Planet, whereas the country itself is continuously included in touristic top lists. With a total of 1.8 million visitors in 2016, the nation became the 36th (out of 47 countries) most popular country to travel to in Europe. Montenegro was further visited by over 2 million tourists in 2017. The Government aims to attract greenfield investments, which should make best use of undeveloped parts of the coast, such as Jaz Beach, Velika Plaža, Ada Bojana and Buljarica.
Montenegro can be presented as a destination offering a variety of attractions and all-year tourism is possible by publicizing its varied features. Therefore, the Tourism Masterplan of Montenegro is also paving the way for a national development program for nature based tourism, especially hiking and biking, with new infrastructure and services. The realisation of a 3-year-program was started in 2007.
This notable coastal region is of primary interest to tourists in Montenegro. The Montenegrin Adriatic coast is 295 km long, with 72 km of beaches, and with many well-preserved ancient old towns. The main attractions along the north coast are:
The South Coast region of Montenegro is considered one of the great new "discoveries" among world tourists. In January 2010, The New York Times ranked the Ulcinj South Coast region of Montenegro, including Velika Plaza, Ada Bojana, and the Hotel Mediteran of Ulcinj, as among the "Top 31 Places to Go in 2010" as part of a worldwide ranking of tourism destinations
The South Coast region, centered in Ulcinj, is popular in part due to the "Blue Flag beach" sandy beaches, eco-adventure activities, ancient fortress-cities, and vibrant nightlife. These destinations include: