Make sure you get the right level of Kosovo insurance before you visit this newest of European nations. Kosovo declared independence from Serbia in February 2008 and the security situation can be unpredictable at times. Poor healthcare services, hazardous roads and unreliable business infrastructure can all present hazards to working or living here.

Kosovo insurance – quick facts

  • There is a risk from unexploded ordnance in some areas
  • There is a risk security incidents in some areas
  • International health insurance in Kosovo is advised, along with cover for emergency evacuation
  • Political demonstrations can become violent

Get the right insurance for Kosovo


  • Specialist Kosovo insurance – can include protection for personnel, property, vehicles and equipment
  • We can cover all of your business liabilities in Kosovo and help you to understand and meet contractual and local insurance obligations

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  • Due to limited medical facilities and other risks to personal security, specialist Kosovo insurance is advised for visitors and expats
  • We can cover you for life, personal accident, personal disability, medical emergencies, evacuation and other specialist insurance needs

For individual policies get a quote

Issues to be aware of in Kosovo

One of Europe’s newest countries is a small, landlocked, rugged territory about the size of Wales. Kosovans are an extremely hospitable people, especially to nationals from those countries that supported their struggle for independence in 1999.

Kosovo is one of the continent’s poorest and least developed nations and consequently it can suffer with poor infrastructure, dangerous roads and underfunded healthcare. Your Kosovo insurance should include appropriate cover for life, personal accident, property and healthcare. Medical standards tend not to meet those of other European countries and you are strongly advised to have provision for emergency evacuation and repatriation.

Since declaring independence in 2008, there have been occasional clashes between elements from the minority Serb population and those from the majority Albanian. Most violence has been confined to the North Mitrovica area, and advice is against all but essential travel here. You should also avoid going off the beaten track near the border of Albania and in the Presevo Valley, where there may be a risk from unexploded ordnance left over from the war in 1999.

In Pristina and other cities petty crime, such as pickpocketing can be a problem. There have been isolated incidents of armed violence but these have been linked to organised crime and are not generally targeted at foreign nationals.

Take care when walking about away from busy streets as open manholes (the covers stolen for scrap metal) can present a hazard. Earth tremors are a regular occurrence, and in March 2010 an earthquake 90km north of Pristina measured 4.5 on the Richter scale.

For advice for companies talk to us. For individual policies get a quote.

Latest Foreign & Commonwealth Office advice

The FCO advise against all but essential travel to specific regions. Take sensible precautions to protect yourself from street crime. Take out comprehensive travel and medical insurance before you travel.

Latest FCO Advice