Croatia — Insurance

EHIC/GHIC covers EU/UK visitors for state emergency care, and Croatian coastal hospitals are used to tourist trauma, but private clinics and repatriation still justify full travel insurance — note the standard exclusions for intoxication and for moped and scooter accidents, the two most common Adriatic claims.

Free, anonymous HIV testing and counselling runs through the public-health institutes' counselling centres in Zagreb, Split, Rijeka and Osijek; private laboratories in the bigger cities do same-day paid STI panels without referral. PEP is available through hospital infectious-disease departments within 72 hours — straightforward in Zagreb and Split, not on the islands, so get to the mainland fast.