Why And Where To Buy Property Overseas
If you haven’t already begun diversifying your investment portfolio beyond U.S. borders, consider this your alarm sounding. Most investors would...
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Top Destinations:
Whether you’re looking for fun and sun, a peaceful retirement, or the chance to earn some extra income, you’ve got a real world of opportunity open to you… In short, we’ve done our best to narrow down your best options, but only you can decide the right country for you.
Best For:
How Much Will It Cost You To Live Overseas?
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June 18-20, 2025
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July 17-19, 2025
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Sep. 17-19, 2025
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Home » Best Countries To Live, Invest, And Retire Overseas » Europe » Montenegro » Health Care In Montenegro
Medical Services In Montenegro
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Health care in Montenegro is a mixed bag… Some expats don’t feel comfortable using it for complicated procedures, while others do. It’s free if you’re living in Montenegro on a temporary residence permit, which is a boon.
Montenegro has a mild climate, a Mediterranean coastline, a low cost of living, access to nature, diverse recreation opportunities, stunning scenery, and places to sit back and enjoy yourself (outdoor cafés overlooking the sea, rooftop bars, and so on).
Reviewed By Kathleen Peddicord
Kathleen is the Live and Invest Overseas Founding Publisher. She has more than 30 years of hands-on experience traveling, living, and buying property around the world.
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A Balkan country in Eastern Europe, it’s sandwiched between Serbia, Bosnia and Herzegovina, Kosovo, Albania, and Croatia.
Most people haven’t heard of Montenegro, and that’s OK. It’s a tiny country of about 5,300 square miles (13,800 square kms), making it about the size of Connecticut. It’s also tiny in terms of population, with about 620,000 people.
Since Montenegro is a new country, certain public services are still developing. This is unfortunately the case with health care, as it falls behind European standards.
The public health care system is inadequately funded, resulting in poor quality of care, long wait times, and a lack of trained professionals.
Expats should invest in quality international health care insurance. This will guarantee access to the high-quality private medical clinics in Montenegro, where doctors speak English and the facilities are modern.
One area of Montenegro that Live And Invest Overseas are interested in is Kotor Bay—a deep inlet of the Adriatic Sea found in southwestern Montenegro. It boasts 57 miles (107 kms) of sparkling coastline that features towering mountains and stunning fjords.
On top of all of this, the cost of living in Kotor Bay is low and it offers a wide range of lifestyle opportunities. It was also ranked the 7th best place in the world to retire in LIOS’s 2024 Retirement Index.
The health care in Kotor Bay is decent. Expats tell us it’s fine for basic care, but for serious procedures, they prefer to go abroad.
Health care is free to Montenegro residents, but many expats prefer to keep a private insurance plan in place for access to private clinics and quicker treatment.
One expat we spoke to (who had a medical background) told us of the caring and attentive treatment her husband received during the pandemic when he was diagnosed with cancer and they were unable to return to their home country to start treatment.
There are two main medical centers in this area…
This country is widely expected to join the European Union in the next few years. If it does, we will probably see a big improvement in Montenegro´s health care standards.
Read more: Guide To Health Care In Portugal
The Kotor Bay also offers diverse lifestyle opportunities. One option is the Old World historical appeal found in Kotor Old Town. This UNESCO World Heritage Site is widely regarded as the best-preserved medieval town in the Mediterranean.
Reviewed By Kathleen Peddicord
Kathleen is the Live and Invest Overseas Founding Publisher. She has more than 30 years of hands-on experience traveling, living, and buying property around the world.
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Since Montenegro is a new country, certain public services are still developing. This is unfortunately the case with health care, as it falls behind European standards.
If you haven’t already begun diversifying your investment portfolio beyond U.S. borders, consider this your alarm sounding. Most investors would...
The overseas property market is booming and this means now is a better time than ever to invest in real...
I first visited Montenegro in the early 2000’s. Back then, it was a new state—freshly split from neighboring Serbia and...
Warren Knox caught the travel bug back in his military days. His career brought him to several unique and interesting...
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