Your Kotor policy must include mountain rescue and helicopter evacuation coverage, essential for hiking the surrounding peaks where injuries are a year-round moderate risk. Water sports coverage is important when enjoying Kotor's beaches and Adriatic activities during summer months. Verify your policy covers road traffic accidents, another year-round risk on Montenegro's winding coastal roads. Since many policies exclude 'extreme sports,' check if your mountain climbing or adventure activities qualify. Ensure your coverage works in Serbia too, as complex medical cases require evacuation there. Basic Balkan reciprocal agreements only provide emergency care, so complete travel insurance fills critical gaps.