Albania — Insurance

No EHIC/GHIC coverage — comprehensive travel insurance with medical evacuation is essential, because serious trauma cases are stabilised in Tirana and evacuated to Italy or Greece for complex care. Private clinics in Tirana handle routine problems at low cost; state hospitals outside the capital are poorly resourced. Road accidents are the dominant claim category, and Albania's driving culture deserves respect.

The Institute of Public Health in Tirana offers free, confidential HIV testing, and private laboratories in the capital run paid STI panels quickly; outside Tirana options thin out fast. PEP availability is limited to the university hospital's infectious-disease service in Tirana — get there within 72 hours, or fly to Italy or Greece.