Maximum Alerts / Montenegro
Level published by the State Department on 26.08.2026 · read 16 October 2026 · source checked daily
Montenegro — official level as of 16 October 2026: Level 1/4 ("Exercise Normal Precautions"), from the U.S. Department of State. Maximum Insurance covers this country: hospital settled directly, unlimited repatriation, EUR 1.5M, certificate on payment.
Every country has its own scale, so we ask them all the same question: is the whole country advised against?
An advisory covering only areas of the country does not raise the answer: it stays “No”, and the area is shown in the relevant column.
The level shown on this page — and across this site — is the one published by the U.S. State Department, from 1 (normal precautions) to 4 (do not travel). France and the United Kingdom publish their own advisories, with their own rules: they add to that level, they do not replace it.
In a life-threatening emergency, call local emergency services first, then Maximum: +41 22 ••• •• •• — 24/7 support number, an adviser stays with you to the end.
The 207 country pages — hospitals, pharmacies, police, embassies, emergency numbers, official advice from four governments, health, safety in figures, events in progress — read around the city you name. Your policy — benefits, the six steps, claims, articles. The site — prices, certificate, subscription. Nothing else: what it does not know, it says so and hands you to an adviser.
What I say on the phone
What to do, in this order
In immediate danger, call local emergency services first. Then contact assistance without delay; before engaging a service, seek approval under your policy. Cover is confirmed by the insurer.
Ask assistance where to get care and whether direct cover can be arranged. It confirms the facility and seeks the insurer's approval under your policy. In immediate danger, call local emergency services first.
Even for a pain you meant to shrug off. Without a medical certificate written on the spot, the same day, the insurer cannot cover the event — a certificate written after you return does not count.
The hospital desk sends the request to assistance. Direct payment depends on the insurer's approval and the policy; the call alone does not guarantee it. Have the response confirmed before relying on no up-front payment.
In a life-threatening emergency, call local emergency services immediately. For an arranged transfer or repatriation, contact assistance: the insurer's medical team decides on measures under the policy. A medical flight booked without approval may not be reimbursed.
Even if everything went well on the ground. Send your invoices and the medical report within 30 days; after that, compensation may be reduced or refused.
Places read from OpenStreetMap, within a circle of about 12 km: phone, email, address, website and hours when the source publishes them. No customer reviews, that source has none. Straight-line distances.
Notices vary by bank and vintage — yours prevails. On the right: the Maximum contract (public documents).
Live alerts and level changes, each with its official source. Continuously updated.
Editorial change
October 9, 2026 08:05 EDTtravel.gc.ca ↗updated 09.10.2026 · read 16.10.2026No level change recorded for this country since the log opened. The live alerts above are updated continuously.
Level 1/4 — Exercise Normal Precautions, U.S. Department of State, retrieved on 16 October 2026.
Sourcestravel.state.gov · updated 26.08 · read 16.10France Diplomatie · updated 13.10 · read 16.10DFAE · updated 10.06 · read 16.10207-country comparison
An area advised against does not rule out the country.
SourcesFrance Diplomatie · updated 13.10 · read 16.10Foreign Office · updated 13.08 · read 16.10State Department · updated 26.08 · read 16.10
The rules depend on the passport, not on the destination alone.
SourcesFrance Diplomatie · updated 13.10 · read 16.10Foreign Office · updated 13.08 · read 16.10State Department · updated 26.08 · read 16.10
For a Schengen visa, yes: at least €30,000 of travel medical insurance (Regulation (EC) No 810/2009, art. 15).
SourcesRegulation (EC) 810/2009, art. 15General conditions, policy 20 00 479
VIP Pack — €990 for twelve months, unlimited trips.
SourcesGeneral conditions, policy 20 00 479OpenStreetMap · read 12.10
Six steps, in this order.
SourcesSpecial conditions 01.26General conditions, policy 20 00 479
Local emergency services: single number 112 · police 122 · ambulance 124 · fire 123
SourcesEmergencyNumberAPI · Wikidata · read 08.10OpenStreetMap · read 12.10
At today's level 1/4, card by card:
SourcesAmex Platinum France T&Cs, 01.2025 — general exclusion n° 11BNP Paribas Visa Infinite notice (policy PT7), 04.2025 — comFortuneo World Elite Mastercard notice, 01.2026 — art. 5.5 '
A health plan reimburses at home; here, the hospital asks for a payment guarantee before admission.
SourcesGeneral conditions, policy 20 00 479
Around Podgorica: 33 hospitals and clinics, 12 with a 24/7 emergency room, 40 pharmacies, 31 doctors' practices (OpenStreetMap, hospital list read on 03.10.2026).
The sourced detail is under Medical network › Health: vaccines, diseases present, altitude, outbreaks.
SourcesCDC Travelers' Health · read 10.10France Diplomatie · updated 13.10 · read 16.10OMS · read 16.10Foreign Office · updated 13.08 · read 16.10
2.8 physicians per 1,000 people (2023) versus 4.5 in Switzerland.
SourcesWorld Bank · read 10.10General conditions, policy 20 00 479
0.8 homicides per 100,000 people (2023) versus 0.6 in Switzerland and 1.3 in France.
The nearest representations, by passport (OpenStreetMap):
SourcesOpenStreetMap · read 12.10DFAE · updated 10.06 · read 16.10
No region is advised against by the official readings checked (Global Affairs Canada, Foreign Office and France Diplomatie): the national advice applies everywhere.
SourcesGlobal Affairs Canada · updated 09.10 · read 16.10Foreign Office · updated 13.08 · read 16.10France Diplomatie · updated 13.10 · read 16.10
Local laws apply to every traveller; here is what the official texts say.
SourcesGlobal Affairs Canada · updated 09.10 · read 16.10Foreign Office · updated 13.08 · read 16.10
Every foreign ministry runs a 24/7 emergency line for its nationals.
Sourcesdiplomatie.gouv.fr · updated 13.10 · read 16.10eda.admin.ch · updated 10.06 · read 16.10
Emergency phrases, to show if pronunciation fails:
SourcesMaximum Insurance
Keep the entry stamp, the invoices, the prescriptions and the medical report.
SourcesGeneral conditions, policy 20 00 479
Cancellation or change up to EUR 20,000, special risk EUR 5,000 per person, crisis management and security, optional Kidnap & Ransom.
SourcesGeneral conditions, policy 20 00 479
A question not answered here? Ask Maximum below, or call the support number: every question gets a clear, actionable answer.
In a life-threatening emergency, call local emergency services first, then Maximum: +41 22 ••• •• •• — 24/7 support number, an adviser stays with you to the end.
The 207 country pages — hospitals, pharmacies, police, embassies, emergency numbers, official advice from four governments, health, safety in figures, events in progress — read around the city you name. Your policy — benefits, the six steps, claims, articles. The site — prices, certificate, subscription. Nothing else: what it does not know, it says so and hands you to an adviser.
Same advisory level: South Korea · Croatia · Curaçao · Dominica · Estonia · Fiji
The displayed level comes from the State Department, checked every morning. Before departure, always cross-check your country of residence's advisory: that is what your policy cites.
The level shown is the official U.S. Department of State level, checked daily. Maximum Insurance is an insurance distributor — general information, not personal advice.
The destination is already Podgorica. A few choices, then the reading of your cover, here.
Destination · Podgorica
Travel Insurtech. 24/7 worldwide.
Swiss insurer · Worldwide medical network