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Which is the best travel insurance for Albania?
If you still don't know what travel insurance you need for your trip to Albania, we can help you by providing all the information you need.
Albania is a country rich in history, and we know you’re eager to experience it firsthand. That’s why we’ve put together a guide with the best travel insurance options for this destination. Here you can learn why having insurance is so important when visiting this European country.
You’ll also find out which coverages are most important, since not every country presents the same challenges for tourists, digital nomads, or travelers moving abroad.
To give you a clearer picture, we have compared five of the best travel insurance policies so you can choose the one that best suits your travel profile.
And once you get to the end, we’ll reveal the insurance plan we think works best for Albania. Try not to jump ahead; read through each part and you’ll understand why we chose it.
Why purchase travel insurance for Albania?
Getting travel insurance is a way to protect your wallet, your well-being, and even the people around you. The coverage it provides can take care of expensive medical bills and other unexpected situations that might put your trip to Albania at risk.
These are the specific reasons why it is important to have a good travel insurance policy for Albania:
- Inadequate medical services for foreigners: Medical services in Albania aren’t really set up with tourists in mind. The public health system is quite limited, and private care can be extremely expensive if you don’t have insurance to cover any emergencies or appointments.
- Medical transport or repatriation: In more serious situations, they might not even have the means to treat you, which could make it necessary to transfer you to another country or send you back home to get proper medical care. This is exactly why having insurance matters so much, since it would cover all those costs for you.
- High risk in extreme sports: In Albania you can try different outdoor adventure activities with local tour operators, but be cautious. Not all of them meet the proper safety standards, which might leave you unprotected in case of an accident.
- Poor road conditions for drivers: If you plan to drive, keep in mind that Albania isn’t exactly known for its roads. This can lead to traffic accidents where you might be involved or end up causing harm to others.
- Theft of your belongings: While it’s not very common in tourist areas, pickpockets can take advantage of certain situations and steal your money or documents without you noticing.
What should travel insurance for Albania cover?
Considering some of the risks of traveling to Albania, it’s important to have an insurance plan that offers strong coverage for the situations you’re most likely to encounter.
- Comprehensive medical expenses: For Albania, it’s best to have high-coverage medical assistance, since you may need it in case of a hospital emergency due to the gaps in healthcare services in the country.
- Medical repatriation: For the same reason medical coverage is essential in Albania, it’s also a good idea to have repatriation coverage. This way, if you get seriously injured or fall ill, you can be transferred to hospitals in your home country for proper care.
- Extreme sports coverage: In Albania, you can try various adventure sports, which naturally come with a higher risk of injury. It’s important to check whether your insurance covers the specific activities you’ll be doing and under what conditions.
- Assistance for theft or loss of luggage or documents: You’ll have funds available to replace them while you’re in Albania, so your trip won’t have to end prematurely.
- Civil liability: Given the risk of traffic accidents due to poor road conditions, it’s important that your insurance can cover any costs for damage to others and even potential legal claims.
- Flight cancellation or delay: Flights can be delayed or canceled due to bad weather. With insurance, you won’t have to cover the cost of a new ticket or extra expenses for lodging and meals while you wait for your next flight.
Comparison of the best travel insurance policies for Albania
Now we’ll show you the top 5 travel insurance companies we recommend for a trip to Albania. We’ve considered all the essential coverages for this destination, as we’ve outlined throughout this guide, and in the table below you can see which one meets your needs.
| Coverage/Insurance | Heymondo | IATI | World Nomads | Intermundial | Chapka |
| Price for 7 days of assistance in Albania | $62.61 | $72.58 | $78.77 | $51.10 | $35.33 |
| Medical expenses | $10,000,000 | Unlimited | Unlimited | $10,000,000 | $2,000,000 |
| Medical repatriation | Included | Included | $500,000 | Unlimited | Unlimited |
| Theft or loss of luggage | $2,500 | $2,500 | $3,500 | $3,500 | $2,500 |
| 24/7 emergency assistance | Yes, through their app, by phone, and via chat | Yes, through their app and by phone | Yes | Yes | Yes |
| Cancellation | $7,000 | $6,500 | Included | $4,500 | $5,500 |
| Adventure sports | Included | Included | Included | Included | Included |
The 5 best travel insurance policies for Albania
Now that you’re familiar with some of the key coverage amounts offered by the top 5 travel insurance providers for Albania, we want you to get a closer look at each company. Here, we show you the different plans they offer and the costs for a 7-day coverage in the country.
Heymondo
This Spanish company has spent nearly a decade specializing in coverage for frequent travelers who often need reliable, comprehensive medical assistance wherever they go.
Heymondo is part of this group of insurance companies that we recommend, as it has received positive reviews from several users.
But what really sets it apart are services like medical assistance, coverage for trip cancellations for various reasons, and multiple emergency support channels, making it a great option for almost any trip.
Its plans:
- Top Travel: $34.23, amounts such as luggage theft and medical assistance are significantly lower than the premium plan.
- Premium Travel: $62.61, this is the most comprehensive plan offered by Heymondo and covers you for various types of assistance with significant amounts.
| Advantages | Disadvantages |
| Although your medical coverage is not unlimited, the premium plan is expensive. | Several necessary coverages are optional, and choosing them significantly increases the cost. |
| Good price for your premium plan. | People over 69 cannot sign up their services. |
IATI
With years in the travel insurance industry, this company has built a solid reputation for reliability. It also offers strong medical support, coverage for extreme sports, and medical repatriation, making it a smart choice for destinations with higher risks like Albania.
From IATI, a Spanish insurance provider, you can choose from up to four different plans, allowing you to pick the one that best fits your budget and travel needs in Albania.
- Basic: At $32.17, this plan is ideal for travelers visiting just one country who don’t plan on doing extreme sports or venturing into high-risk areas. The medical coverage is modest but perfectly suited for a typical trip
- Standard: At $39.05, this plan provides a mid-level range of coverage, but it’s not suitable for adventure sports enthusiasts since these activities aren’t included in the medical assistance.
- Backpacker: At $54.14, this plan is one of IATI’s most comprehensive options. It offers coverage similar to the premium plan but is tailored specifically for frequent travelers, such as backpackers, who often seek a variety of experiences on their trips.
- Star: At $72.58, the premium plan offers the highest level of coverage from IATI. With this plan, you’ll have support for most unexpected situations that might arise during your trip to Albania.
| Advantages | Disadvantages |
| Multiple plans to suit different budgets and types of travel. | Slow refunds. |
| They offer 24/7 chat and medical assistance. | Little flexibility to add coverage during the trip. |
World Nomads
World Nomads is the top choice for travel insurance if your trip has an adventurous edge. It’s well known for being very accommodating to the needs of travelers with that kind of spirit.
It’s also popular among more relaxed travelers, like digital nomads, who still encounter various risks, thanks to the essential support it provides for travel in any country.
Their plans:
- Standard: $50.18. This plan does not cover travel costs due to COVID-19 or missed connections during your trip.
- Explorer: At $78.77, this is World Nomads’ most comprehensive plan. It offers strong medical coverage, liability protection, travel costs related to COVID-19, and unlimited medical assistance.
| Advantages | Disadvantages |
| Flexibility to add coverage during the trip. | Does not cover medical assistance for pre-existing conditions. |
| Good coverage for extreme sports. | Slow and confusing reimbursement processes. |
Intermundial
This is another Spanish company that covers different types of trips, such as leisure or business travel. In both cases, its services offer a good balance between coverage and price.
Intermundial offers up to three plans, which are suitable for regular leisure trips or slightly more adventurous travel. Two of these plans are designed to meet those higher-risk needs effectively.
- Total Travel Mini: $22.92, medical expenses for this plan are $350,000, which may be insufficient for destinations such as Albania.
- Total Travel: $33.93, offers comprehensive assistance, but with reduced amounts compared to the premium plan.
- Total Travel Premium: At $51.10, this plan covers a wide range of unexpected events with substantial amounts, including medical expenses of up to $10,000,000.
| Advantages | Disadvantages |
| Comprehensive medical coverage. | Limited traveler profiles. |
| Balanced plans. | Waiting periods of up to 72 hours. |
Chapka
With a strong presence across Europe, this travel insurance provider offers a variety of plans and coverage options. However, there are two specific plans that are particularly suitable for a trip like the one you’re planning to Albania.
This insurance stands out for being comprehensive and suitable for a variety of travelers, including frequent travelers, students, or anyone looking to explore another country on a Holiday visa.
These are the most suitable plans for your trip to Albania:
- Cap Trip Basic: At $26.82, this plan does not cover dental expenses or medical costs for pre-existing conditions. It also doesn’t include emergency translation services, and its medical coverage is limited to $300,000.
- Cap Trip Plus: $35.33,
| Advantages | Disadvantages |
| Good prices on their plans. | Limits for pre-existing conditions. |
| Easy and clear plan enrollment. | Too much bureaucracy to manage claims. |
What is the best travel insurance for Albania?
Given the healthcare challenges you might face in a destination like Albania, it’s important to be prepared for any medical situation. That’s why having strong, unlimited coverage is a priority, which is exactly what IATI and World Nomads provide.
However, IATI has the advantage of including medical repatriation, while World Nomads only provides up to $500,000 for this, which can be crucial in Albania.
Overall, IATI offers the best value for money, making it the top pick for travel insurance in Albania, where the main risks aren’t just from adventure activities but also from healthcare needs.
On the other hand, IATI also has several channels for medical emergencies, including its app, chat, and telephone.
Connectivity while traveling to Albania
If you don’t want to risk losing your internet connection or stress over finding the ‘best’ mobile data option in Albania, we recommend Holafly’s monthly subscription plans. They offer everything from 25 GB to unlimited data, usable in Albania and 160 other countries at no extra cost.
The best part is that you can connect multiple devices without any restrictions, hidden fees, or high international roaming charges from your local carrier. These plans are perfect for long-term trips.
But if you’re only spending a few days or weeks in the European country, we recommend getting the eSIM specifically for Albania. This gives you unlimited data without having to change your SIM card or pay unnecessary monthly fees for your trip.
Simply set the number of days you will need data, keep the eSIM off until you arrive in Albania, and then turn it on at the airport to start using the internet instantly with no delays or hassle.
Important: If you are a frequent traveler and want to stay connected without worrying about expensive roaming or looking for a new SIM at every destination, Holafly’s subscription plans are for you. With a single eSIM, enjoy internet in more than 160 countries for a fixed price and no surprises on your bill. Travel without limits and connect easily and securely! 🚀🌍
Frequently asked questions about travel insurance for Albania
In the case of Albania, given the limited medical facilities available for tourists, it’s important to have the option to return to your home country for any necessary treatment or surgery.
While putting together this guide, we found that IATI and World Nomads are the best options because they offer unlimited medical coverage for Albania.
Albania’s public healthcare can be unreliable, and private medical care can get very expensive in an emergency. Having travel insurance not only protects you from these costs but also handles all the logistics of your care for you.
No, even though Albania is in Europe, it is not part of the European Union, so your European Health Insurance Card will not cover medical emergencies there. That’s why having travel insurance with solid medical coverage is essential.
No, Albania does not require tourists to have travel insurance to enter the country, but it is strongly recommended because their healthcare system has limited capacity to assist visitors.
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Hi! I'm a Spanish-English translator working with Holafly, helping bring travel content to life for curious travelers. As a digital nomad with a passion for exploring, I'm always adding new spots to my bucket list. If you love to travel like me, stick around because you're in the right place to find inspiration for your next trip! ✈️🌍
