Travel Insurance for Visas from Serbia: Complete Guide Where to Get Insurance Main Insurance Companies in Serbia Grawe - most popular among expats - Website: https://www.grawe.rs/ or h
Grawe - the most popular among expats
Dunav osiguranje
Generali
Wiener Stadtische - offers a multiple-exit option, online issuance
Uniqa - refund if visa is denied (read the terms), online issuance
For Russian/Belarusian citizens with a boravak in Serbia it is usually required:
Important: EBS (evidencijski broj stranca) - foreigner identifier. The digits after the birth date indicate the type of boravak: 66 - temporary, 06 - permanent. In some systems the EBS may not be accepted in the JMBG field.
Coverage from 15 000 to 120 000 euros, price from 2 000 dinars for short trips. Suitable for one-time exits.
Grawe annual:
Pros of an annual policy: saves money on frequent trips, convenient for multi-visa holders, no need to issue a new policy each time.
| Trip type | Approximate price |
|---|---|
| Short (7-14 days) | 2 000-4 400 dinars |
| Grawe annual | 50-80 euros (depending on options) |
| Family Grawe annual | ~100 euros (2 adults + children) |
| Extreme sport | +30-50 % to the price |
For the Schengen zone a minimum of 30 000 euros is required for Russian passports; for local residents the default is 10 000 euros (not sufficient for Russia).
When ordering online you can enter only one passport; the office will add a second one and stamp the policy.
⚠️ IMPORTANT: Insurance from Russian companies (Tinkoff, AlfaStrahovanie, etc.) is often rejected at EU borders.
Documented refusals: Sweden (visa cancelled), Spain (require replacement with a European policy), Germany (official ban on Russian insurances).
Recommendation: use only Serbian or European insurances - it is better to overpay than to be turned away at the border.
Grawe allows a group (cheaper per person). "Family" conditions: up to 2 adults + 5 children, kinship not required.
Community experience: Grawe usually refunds quickly, Dunav can delay and require reminders, Uniqa has a refund clause but demands careful reading.
Can I buy insurance at the airport?
❌ No. The policy must be issued before leaving Serbia; a policy bought at the border is not accepted.
Is a translation of the insurance needed?
✅ Usually not - the English version is accepted by consulates.
Can I pay the policy with someone else's card?
⚠️ It depends on the company. Grawe accepts only the card of the policy holder.
What to do if the website crashes?
📞 Call the insurer or visit the office - they usually resolve it quickly.
Are watermarks required on the policy?
✅ With online purchase the policy arrives in final form; draft contracts marked "NACRT" are not acceptable.
To increase visa approval chances: choose coverage with a buffer (not just the minimum 30 k), use an annual policy for multi-visa travel, and verify that the required country/zone is listed in the policy.
To avoid problems: do not use Russian insurances, purchase the policy in advance, keep all payment confirmations, and double-check the data in the policy before submitting documents.
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The article is compiled from the experience of the Serbia: visas for other countries community. Information may become outdated - always check official insurer and consulate websites.