Essential Guide to Travel Insurance in New Zealand for Your Trip

Feb 19, 2024

Last Updated on: Aug 26, 2025

Travel Guides

Embarking on a journey to New Zealand, acknowledged for its breathtaking natural landscapes and thrilling adventure sports, is a thrilling prospect.

However, amidst all the excitement, it is vital to not forget the importance of journey coverage. Travel insurance offers economic safety and peace of thoughts in case of unexpected activities or emergencies throughout your journey.

In this weblog submission, we can discuss the important thing factors you want to understand approximately tour insurance before your New Zealand journey. 

Why Travel Insurance is Essential for Your New Zealand Trip

New Zealand Trip

Travel coverage is critical for any international journey, and New Zealand is not an exception. It gives insurance for numerous conditions which include scientific emergencies, trip cancellations or interruptions, lost or stolen assets, and private liability.

The fee of medical treatment and emergency evacuation can be exorbitant, and having travel insurance ensures that you are not burdened with hefty charges in such conditions. 

When buying your insurance on your New Zealand experience, it’s miles vital to search for a policy tailored to your precise desires. Consider factors inclusive of the length of your journey, any pre-existing clinical situations, and the value of your belongings. Compare different coverage alternatives and select a coverage that gives complete coverage at a reasonable fee. 

Remember, travel insurance is your safeguard against unexpected situations and provides peace of mind throughout your trip. Don’t underestimate its importance when planning your New Zealand adventure. Purchase travel insurance in NZ today to ensure a worry-free and enjoyable trip.

Types of Travel Insurance Coverage for New Zealand

When selecting a travel insurance plan for your New Zealand trip, it is important to understand the different types of coverage available.

These typically include medical coverage, trip cancellation, and interruption coverage, baggage and personal belongings coverage, and personal liability coverage. Travel insurance policies vary in coverage, so it’s essential to choose one that meets your specific needs.

Common coverage options include:

  1. Medical Expenses: This covers the costs of medical treatment and hospitalization in case of illness or injury during your trip. 
  2. Trip Cancellation and Interruption: In the event of trip cancellation or interruption due to unforeseen circumstances such as illness, natural disasters, or emergencies, this coverage reimburses you for non-refundable expenses.
  3. Baggage and Personal Belongings: This coverage provides compensation for lost, stolen, or damaged luggage and personal items during your trip.
  4. Emergency Evacuation and Repatriation: In case of a medical emergency requiring evacuation or repatriation, this coverage ensures you receive proper medical care and transportation back to your home country.

Understanding the New Zealand Healthcare System for Travelers

New Zealand Healthcare System

While New Zealand has an excellent healthcare system, it is significant to understand that tourists are not eligible for free medical treatment. Travel insurance helps cover the costs of medical treatment, hospital stays, and emergency evacuations. It is advisable to familiarize yourself with the healthcare system and ensure your travel insurance provides adequate coverage for medical expenses.

While New Zealand has an exceptional healthcare system, it is significant to understand that tourists are not eligible for free medical treatment. Travel insurance that covers covid, helps cover the costs of medical treatment, hospital stays, and emergency evacuations. It is advisable to familiarize yourself with the healthcare system and ensure your travel insurance provides adequate coverage for medical expenses.

Key Exclusions and Limitations of Travel Insurance in New Zealand

Travel insurance policies often have exclusions and limitations that you need to be aware of. Common exclusions may include pre-existing medical conditions, injuries resulting from high-risk activities, and loss of belongings due to negligence. Familiarize yourself with the policy’s terms and conditions to ensure you understand what is covered and what is not.

How to Choose the Right Travel Insurance Plan for New Zealand

Travel Insurance Plan

Choosing the right travel insurance plan for your New Zealand trip can be overwhelming. Consider factors such as coverage limits, deductibles, exclusions, and the reputation of the insurance provider. It is crucial to read the policy terms and conditions carefully and assess your specific needs to find a plan that provides comprehensive coverage at an affordable price.

Preparing for Your Trip: A Travel Insurance Checklist

Before embarking on your New Zealand adventure, make sure you have a comprehensive travel insurance checklist. This should include reviewing your policy coverage, carrying a copy of your insurance documents, knowing the emergency contact details, and understanding the process of making a claim. Additionally, it is always wise to share your travel itinerary and insurance details with a trusted person back home.

Conclusion

As you plan your trip to New Zealand, prioritize obtaining travel insurance to protect yourself against unforeseen events and emergencies. Understanding the coverage options, exclusions, and claims process will enable you to select the right travel insurance plan.

With the right travel insurance, you can explore stunning landscapes and engage in thrilling activities with peace of mind, knowing that you are financially protected.

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Arnab is a professional blogger, having an enormous interest in writing blogs and other jones of calligraphies. In terms of his professional commitments, He carries out sharing sentient blogs.

3 responses to “Essential Guide to Travel Insurance in New Zealand for Your Trip”

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READ MORE places to visit in Meghalaya

What Are The Places To Visit In Meghalaya? – Travel Guide

BY  Nabamita Aug 17, 2022

Meghalaya, or the Abode of Clouds, here you will find that nature has to give. It is one of the best places for its biodiversity richness. Known best for its famous monsoon seasons, Meghalaya has the most dramatic natural terrains with rich cultural festivals. Having such beautiful natural diversities, which are among the best places to visit in Meghalaya. The tribals of Garos, Jaintias, and Khasis make up the majority of the population. Meghalaya: Abode Of Clouds! Located in the northeastern parts of India, with Shilong as its capital. During the British rule of India, it was dubbed the “Scotland of the East.” With a range of beautiful terrains, Meghalaya is surely going to surprise your imagination. With beautiful greenery everywhere, with forests, valleys, waterfalls, and mountains, that are one of the best places to visit in Meghalaya. But since Meghalaya is known for its monsoon seasons, what is the best time to visit there? What Is The Best Time To Visit Meghalaya? Since Meghalaya is one of the wettest places in India, with the occasional cloudbursts and landslides, you need to know the best time to visit there. Weather Condition In Meghalaya Oct-Feb = 9c        Apr-Jun = 21c        June-Oct =15c  Peak Season When the temperature is between 16c and 31c, that is the best time to visit Meghalaya. This will probably be from April and June. During this time, Meghalaya has the optimum temperature for you to explore the place. Shoulder Season From the months of November to March receives a moderate amount of tourists, as the weather is cold and misty at the same time. Low Season The lowest season for tourism in Meghalaya is from July to October. During this time, the state receives about moderate to heavy rainfall. Best Places To Visit In Meghalaya Now that you know what the best time to visit Meghalaya is, you need to know what are the top Meghalaya tourist places. 1. Cherrapunji Popularly regarded as the wettest place on Earth, Cherrapunji has the best lush greenery you will ever see. Here you will find the highest rainfall any time of the year. Tourists from all over the world come here to see the most beautiful waterfalls, like Dain-Thlen,Nohkalikai, and Kyrem. Cherrapunji is one of the best places to visit in Meghalaya. Specialty - An abundance of natural scenic beauty and environmental attractions. Places To Stay - Polo Orchid Resort Cherrapunjee, Jiva Resort Cherrapunjee and Saimika Resort. Attractions - Krem Mawmluh, Wakaba Falls, Double Decker Living Root Bridge, and also Nohkalikai Waterfalls. How To Reach - From Guwahati, it's 166km, And from Cherrapunji Umroi Airport, it's 79km. 2. Shillong Known as the Scotland of the East, Shillong is the capital of Meghalaya. Away from the bustling life of the city, Shillong has beautiful forests, hills, and mesmerizing scenic beauty. Shillong is considered the Meghalayan Gateway. Popular landmarks of Shillong are Elephant falls, Maharam, Lady Hydari Park, Bhowal, Mylliem, and Langrim. Specialty - Mesmerizing view, the beauty of nature, and its popular landmarks. Attractions - Elephant falls, Maharam, Lady Hydari Park, Bhowal, Mylliem, and Langrim. Places To Stay - Pinewood Hotel, The Loft-Executive Inn, Hotel Polo Towers Shillong, and Tripura Castle. Location - East Central Meghalaya. Best Time To Visit - From September to May. 3. Mawsynram Out of all the places in Meghalaya, Mawsynram receives the most rainfall each year. This is why here you will find the most greenery and beautiful green hills and valleys. Mawsynram receives about 11,872 mm of rainfall each year. Specialty - The most beautiful waterfalls. Location - The East Khasi Hills, Meghalaya. Best Time To Visit - From April to June. 4. Balpakaram National Park Known as a traveler’s paradise, the Balpakaram National Park is a “Land of Spirits” for its rich natural biodiversity. With its beautiful wildlife with animals like Tiger, Leopard, Deer, Buffalo, Elephant, and Red Panda. Specialty - It is rich in natural biodiversity. Location - Western Meghalaya and Garo Hills. Best Time To Visit - From October to March. Entry Free - Free. 5. Nohkalikai Falls The Nohkalikai Falls is the 4th most noted waterfalls in the World. The height of this fall is about 335 meters from the cliff to the ground. The falls are considered “the pride of the territory of Meghalaya.” Specialty - It is like paradise with an extraordinary scenic view. Entry Fee - INR 10. Timing - From 8 am to 5 pm. 6. Double-decker Living Root Bridge Located in Cherrapunji, the double-decker living root bridge is famous all over, as the bridge is made up of roots. The roots are of rubber trees. The bridge is about 3km long and about 2400ft in height. Specialty - The oldest of natural bridges. Location - Cherrapunji, Meghalaya. Best Time To Visit - Anytime other than from May to September, due to the slippery. Trek Time - It takes about 4 to 6 hours. 7. Kyllang Rock This extraordinary rock is made entirely out of red stone. The rock is 54ooft above sea level and 1000ft in width. The hike up the rock gives a beautiful scene with rhododendrons and shrubs. Specialty - It is on the highest points in all of Meghalaya. Location - West Khasi Hills, Shillong, Meghalaya. Best Time To Visit - Anytime, except the monsoon. Read Also: Which Is The Largest Freshwater Lake In India? 8. Elephant Falls Meghalaya is known to have the best waterfalls in all of India. And Elephant Falls is definitely one of that beautiful waterfalls. It is called Elephant falls as it has an Elephant-shaped stone at its foot of it. It is one of the best places to visit in Meghalaya. Specialty - The falls are surrounded by beautiful scenic beauty. Location - It is only 12km from Shillong. Best Time To Visit - During Monsoon. Read Also: Top 10 Famous Wonders Of India Frequently Asked Questions (FAQs): Now that you know what the best time to visit Meghalaya and the best tourist places is, you won’t have any other problems. But if you do, here are some questions asked by other people. 1. What Is The Popular Place Of Meghalaya? The most popular Meghalaya places to visit are:1. Mawsynram2. Nohakalikai Falls3. Mawlynnong Village4. Umiam Lake5. Seven Sisters Falls6. Living Root Bridges 2. Does Meghalaya Have Snow? Though the state of Meghalaya has a higher elevation, it doesn’t receive any snowfall throughout the year. But due to humidity and low temperature, frost forms which can look like snow but are not. 3. What Is Famous Food Of Meghalaya? The food that is famous in Meghalaya is a spicy preparation of fish or meat and rice. They are great at rearing pigs, goats, cows, ducks, and fowl for their meat. Visit Now! If you are an avid nature lover, then visiting Meghalaya should definitely be on your bucket list. There are some beautiful places to visit in Meghalaya. And if you are a mountain lover, then you need to visit here once. Hopefully, this article encourages you to book your tickets soon for Meghalaya. Let us know in the comments where in India you wanna visit next. Read Also: Exploring The Unexplored: Which Is The Best Time To Visit Darjeeling? Top 5 Best Tourist Places In Coimbatore – Travel Guide Best Places For River Rafting In India

READ MORE things to do in Tulsa

Unique Things To Do In Tulsa: Into The Land Of Art Deco Architecture

BY  Sibashree Nov 14, 2024

Once known as the Oil Capital of the World, Tulsa today is known for its concentration of art deco architecture, and a cosmopolitan vibe.  On the Arkansas River, the city of Oklahoma is also the quintessence of the famous “Southern Hospitality” of the nation. Further, Tulsa offers the best fine dining experience, making it an ideal destination for culinary tourism in Oklahoma or the entire USA.  In fact, forums like Secret Food Tours are now conducting food tours in the city. This is the ultimate food adventure where you peep into famous restaurants’ kitchens. Nevertheless, beyond food tourism, the entire travel landscape in Tulsa looks promising. In fact, the Tulsa Regional Chamber has decided that Tulsa Regional Tourism will market the city as a center for tourism, sports, and culture.  Do you also want to explore this beautiful city of Oklahoma? Here is a brief guide for you. Unique Things To Do In Tulsa: Explore Food And More  The Tulsa Regional Chamber portrayed a happy picture of Tourism in Tulsa in 2022-2023. In the 2022-23 fiscal year, the hotels in Tulsa created a market impact of $317.2 million.  The numbers being so promising have encouraged the Tulsa Regional Chamber to start the Improve Our Tulsa program. This is an improvement package with a capital of $ 814 million to improve the Cox Business Convention Center, Tulsa Zoo, Tulsa Performing Arts Center, etc.  All these market figures and initiatives show Tulsa’s rise as a tourism destination in the USA. However, to explore the unique things to do in Tulsa, you will have to get your itinerary right first.  1. Visiting the Cave House https://www.instagram.com/p/Cq0vYy7purr/?img_index=1 Built in Tulsa in 1924, the Cave House is now one of the city’s most important landmarks. It was a chicken restaurant earlier, and today, it is a great place for family adventure with amusing stories.  The entry fee to the Cave House is $15, and kids under 13 can get entry to the Cave House at $7.50. 2. Exploring the Gilcrease Museum https://www.instagram.com/p/CLMchHKj1KV/ Operating Hours: 6 AM to 11 PM Entry Fee: $5-8 Do you want to visit the best artwork of the American West? Gilcrease Museum should be your go-to destination.  Frederic Remington, Charles Marion Russell, and Frank Tenney Johnson are some noted artists to feature in this museum.  The Pioneer Garden, Rock Garden, and Pre-Colombian Garden are part of its 23-acre outdoor theme garden.  3. Visiting the Philbrook Museum of Art  Operating Hours: Wednesday to Sunday (Except Friday) - 9 AM to 5 PM Friday: 9 AM to 9 PM Monday And Tuesday - Closed  Entry Fee: Free for Children below 2, $18 for Adults and $8 for Youth Amidst expansive gardens stands the Philbrook Museum of Art, one of the oldest art museums in the country. It has a whopping collection of more than 200000 objects to tell unique stories of human history. Along with the other collectibles, the Philbrook Museum of Art has now announced the launch of a new exhibit. It has artwork from the Pennsylvania Academy of Fine Arts or PAF. This exhibit will be on display from 25th September to 29th December 2024.  4. Visiting Tulsa Zoo Operation Hours: 9 AM to 5 PM Entry Fee: Free for children below 3 Years, $10 for children from 3-11, $12 for 18-64 years old, and $12 for 65 years and above Located in the Mohawak Park of Tulsa, Tulsa Zoo has state-of-the-art exhibits. It is also a place to encounter animals from all over the world. In this zoo, You will meet animals like the Malayan Tiger, Komodo dragon, snow leopard, Chinese alligators, etc. Further, the zoo is a great place for birders with species like the “fawn-breasted bowerbird,” blue-crowned hanging parrot, and more.  Did You Know?Tulsa Zoo was recently in the news for welcoming five Malayan tiger cubs. These tigers belong to critically endangered species, and the birth of the five cubs has increased the number of Malayan cubs in North America by 10%.“The survival of these five cubs is a major milestone for the critically endangered Malayan tiger population. Each day, we weighed the cubs and completed health checks and supplemental feedings. The opportunity to visually inspect the cubs, monitor their progress, and intervene if necessary is paramount.”Jordan Piha, Curator of Mammals, Tulsa Zoo Fine Dining: Experience One Of The Best Things To Do In Tulsa  Trying the local delicacies at fine dining restaurants is one of the best things to do in Tulsa. These restaurants have their staples and daily specials for the gastronomic delight of the visitors.  Here is a list of some of the best fine-dining restaurants in Tulsa. 1. Kilkenny's Irish Pub https://www.instagram.com/p/C4YdPUPOl-n/ Phone Number: +1 918-582-8282 Tour and Travel Rating: 4.5 With a quaint charm, Kilkenny's Irish Pub serves the best corned beef in Tulsa. Also, you can never have enough of the Irish stew at Kilkenny's Irish Pub. Further, Kilkenny's Irish Pub is an excellent eatery to try seafood like oysters and lobsters. Moreover, the bartender service here is friendly. So, you will feel like coming back.  2. SMOKE On Cherry Street https://www.instagram.com/p/C-li45JoaAM/ Phone Number: +1 918-949-4440 Tour and Travel Rating: 4.4 It’s bliss to try smoked trout salad and grilled oysters at SMOKE. The restaurant does every bit of justice to its name. Further, the chicken pasta here is delicious. The menu of SMOKE is “Inspired American.” So, the food served here is the quintessence of American delicacies served in the southern part of the country.  Moreover, celebrated chef Erik Reynolds and other chefs here use locally produced veggies and steaks. In addition, you will find vegan-friendly, gluten-free, and vegetarian options in the restaurant.   3. Sisserou’s https://www.instagram.com/p/Cb0Q1EROJBm/?img_index=1 Phone Number: +1 918-576-6800 Tour and Travel Rating: 4.4 Do you want to try the Caribbean or Jamaican food in Tulsa? Sisserou’s is the go-to destination.  It’s a sin not to try the rum cakes or the crab appetizers here. Further, the waffles here are quite good, and the presentation is even better with syrup and bananas. You can even try the fried jerk chicken at Sisserou’s. Moreover, the service here is good and quick.  4. Mahogany Prime Steakhouse https://www.instagram.com/p/CeBvV5QM8tk/ Phone Number: +1 918-494-4043 Tour and Travel Rating: 4.3 We had the best steak in Tulsa at Mahogany Prime Steakhouse. You will also find the sauteed mushroom and  New York Strips here yummy.  One more thing I am in absolute love with at Mahogany Prime Steakhouse is the crab cake. Of course, you will love the American staple, mac n cheese, here.  Exploring The Art Deco Architecture Of Tulsa  You will find the Deco District in Downtown Tulsa. Here, the most prominent buildings of the city have made a compact guild. Further, the Tulsa Preservation Commission has preserved and maintained the following art deco buildings in the city. Boulder on the Park Christ the King Church City Veterinary Hospital Davis Residence Webster High School, etc. The people of Tulsa have been in love with the Art Deco style since the oil money boosted the economy of Tulsa Downtown. Making its debut in a Paris exposition in 1925, the Art Deco style came to Tulsa a few years later.  Also read Top 13 Famous Wonders Of India That You Must Visit! Top 10 Most Popular Paraguay Food That You Must Try. Top Tips For Motorbike Rental In Phuket – A Guide To Exploring The Island On Two Wheels.

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What Are The Kotor Montenegro Free Activities For Budget Travelers? (Cheap And Free Are Not The Same) 

BY  Sibashree Dec 19, 2025

Do “Cheap” and “Free” ring similarly to you? Not to me, at least! I was researching free activities for my visit to Kotor, Montenegro. Every guide, trust me, every guide, was a random mix of cheap and free activities. And it’s almost 2026, the same problem lies with the so-called guides of Kotor Montenegro free activities. Everyone is actually discussing the cheap activities, or they are not giving the true picture and updates about free activities like the Kotor Fort through the Ladder of Kotor route. Did anyone tell you that the “Window” section for a free jump into the fort premises no longer exists? It has been blocked, and there is a turnstile at the entry point. You can still go for a free hike on that route, but it will no longer be a trek to the fort. So, if you are expecting a free sneak into the Kotor Fort, I would say, “Don't hike for 2 hours expecting to sneak in.” However, if you want to enjoy a free view of the Kotor Bay or the fort from outside the walls, I will say, “Go ahead!” Also, the bus rides in Kotor are never “Free!” They are cheap, yes, costing around 1 to 3 Euros for local transfers. However, one delightful thing that is absolutely free in Kotor is the cat therapy. I had the most adorable time with the cats of Kotor. These adorable animals are indeed the guardians of the city. In this Tour and Travel Blog, I will talk about the Kotor Montenegro free activities in detail. I will also touch upon the cheap activities to do in Kotor, Montenegro, and budget travel hacks. What Are The Kotor Montenegro Free Activities? Kotor is so walkable and welcoming that you can have fun outdoors and explore the historical and cultural landmarks of the city free of cost. 1. Hiking The Free And Big Walls Of The City  The history of Kotor speaks through the Kotor Fortress. Furthermore, the abandoned Austro-Hungarian Fort, built in the 19th century, stands out today with its mysterious monk paintings. You can include a hike to these big city walls as a free activity in your Kotor, Montenegro travel itinerary.  Hiking The Kotor Fort For Free  You can visit the Kotor Fort via the city entrance, which costs 15 Euros. However, you can avoid this cost by taking the alternative route, which begins behind the Old Town of Kotor. You can access this trekking route via Tabačina Street. This route, beginning near the River Gate exit, is popular among locals for a free hike to the Kotor Fortress or the San Giovanni Fortress. After walking for 20 to 30 minutes on the route with loose rocks and steepness, there is a place called “Window.” Earlier, locals and tourists used to get into the fortress through this window. However, the window is now blocked with strict vigilance from the fort authority. So, you cannot reach the fort through this hiking route anymore. But hiking through this route itself is an experience. Also, if you are looking for cheap eats in Kotor, Montenegro, that offer the most authentic experience, let me tell you that you will find the best cured ham here. The hiking route leads to Njegusi, and it has some amazing family-run taverns. Hiking The Fort Vrmac For Free  I did not know that so close to Kotor, Montenegro, I would find the ruins of an Austro-Hungarian Fort. The hiking route is easy, and it passes through a quiet forest, offering multiple vantage points and amazing views. The trailhead is just 15 minutes away from the Kotor Old Town and near the town of Muo. Also, the stone path of 6.5 kilometers can be completed within 3 to 4 hours. On my way, I came across pomegranate trees and spotted turtles with yellow and black spots. The only difficulty I faced on this route was the lack of any clear direction. The route was a bit random and can get confusing if you are hiking alone. After I reached the top, I found an abandoned military outpost. It was like a ghost town. The ghost town and the Vrmac Fort of 1894, which suddenly emerged before my eyes like something surreal, seemed eerie to me. I could hear the rifles firing. The fort played a vital role in the World Wars and was later used by the Yugoslav army.  Expanding The Free Hike To Fort Vrmac  Once you are done exploring the fort, you will find many trails leading to different destinations from the top of the hill. You can choose to continue your hike to Tivac or take an alternative and longer trek route to Kotor Town. Hiking The Fort Gorazda For Free  Fort Gorazda is another Austro-Hungarian Fort, and it is a popular free hiking destination near the Old Town of Kotor. This fort, built between 1884 and 1886, is located at an altitude of 452 meters. Once you reach the hilltop, you must climb up the metal dome. This armored metal dome was one of the main elements, offering a strategic advantage to the fort. From the top of this dome, you will get a 360-degree view of Herceg Novi, Lustica Peninsula, and Tivat. For a free hike, you must start at the Trg od Oruzja or the Main Square of Kotor. Then, walk to the Old Town and make an exit at the Vrata od Kampa or North Gate. Turn left and continue on the Jadranska magistrala or coastal road to find the signs for Skaljari. Chill at the cafes and shops along the way and have some refreshment. Then, walk for around 20 minutes to reach the Skaljari Village. Walk straight and on the right, you will find a steep path that takes you uphill. At the end of this road, you will find Fort Gorazda. The hike is moderately challenging, and a round trip will take around 5-7 hours. An Alternative Route To Fort Gorazda  If you are short on time and don’t want to walk so much, I want to share some Kotor transport tips to reach Skaljari.   The bus ride will take around 10 minutes, and once you reach Skaljari, you can walk for 15 to 20 minutes to the route leading to the fort atop a hill.   This combination of bus ride and hike is also a budget-friendly option, considering the bus tickets only cost around 1 to 2 Euros.   2. Free Historical And Cultural Exploration  When you have the alleys of a UNESCO World Heritage Site to be explored, you know that a rich cultural and historical experience awaits you.   It’s time to soak in the medieval atmosphere.   Walking The Old Town (Stari Grad): A Self-Guided Route  The Old Town or Stari Grad of Kotor allows you to get lost intentionally in the cobblestone mazes and alleys.   • Walk Starts At Gurdić Gate  Anyway, I started from the Gurdić Gate, or the southern entrance to Kotor. From there, my walk continued through Craftsmen Street.   I met and talked with the carpenters, goldsmiths, blacksmiths, and shoemakers there. I bought two model boats from a shop here as souvenirs.   • The Famous River Gate And Meeting The Cats Of The Town  Then, I reached the famous River Gate. I crossed the bridge there and got an amazing view of San Giovanni’s Fortress.   Then, I came back to the town, and near the Leafy Square, I found many cats, the guardians of the city. Also, St Mary’s Church, built in 1221, was one of the main attractions during my Strai Grad walk.   • St Lucas’ Square  My next stop was St Lucas’ Square, home to the Orthodox Church of St Nicholas. However, I found St Lucas’ Church here more interesting, with the history of this Byzantine church going back to 1195.   The St Lucas’ music school was opposite the church, and I could hear the sound of the piano and the full orchestra.   • Museum Square   I took the little lane to the Museum Square, and just before reaching the square, I found Karampana in a small courtyard on my right. It is the oldest public well in Kotor.   On the left, there is the Gregorina Palace, home to the famous Maritime Museum of Kotor. • St Tryphon’s Square   With beautiful mountain views and guarded by ramparts, St Tryphon’s Square is a place filled with many iconic landmarks of the Old Town. In a clockwise direction, you will find the following places at St Tryphon’s Square.   ⁍ The Old Town Hall  ⁍ Drago Palace  ⁍ Bishop’s Palace  ⁍ St Tryphon’s Cathedral  Venetian traders brought some of the relics inside St Tryphon’s Cathedral from Constantinople to Kotor in 809. There is also an altarpiece made by the goldsmiths of Kotor in the 15th century.   • Square Of Four   I took the road running between the Old Town Hall and the restaurant and reached the Square of Four.   Pima Palace and the Buča Palace are two important architectural and historical landmarks of the Square of Four.   • Square Of Arms   After I reached the Square of Arms, I visited Café Forza. I had an amazing Dobrotska Torta and coffee here, while cherishing the view of the Bizanti Palace, Venetian Arsenal, the Prince’s Palace, and more.   Finally, I bid goodbye to the Old City and made an exit through the Sea Gate. Which Churches Are Actually Free?  Kotor, Montenegro, has many churches, and they are often mentioned while discussing the Kotor Montenegro free activities.   However, not all the churches in Kotor offer a free entry. For example, you will need to pay 3 Euros for an entry to the St. Tryphon Cathedral Church.   • St. Nicholas Church   The St. Nicholas Church in Kotor is one of the free churches to visit in Montenegro. This orthodox church, built in 1909, has a lavish interior. You can buy candles from the small shops nearby for praying at the church.  • St. Tryphon Cathedral  St. Tryphon Cathedral, or Kotor Cathedral, built in 1166, does not offer free entry. You have to pay 3 Euros for the entry.   The church has the relics of St. Tryphon, the patron saint of the city, and a museum. Its architectural style shows eclectic influences, including the Baroque, Renaissance, Byzantine, and Roman styles.  • St. Luke Church, Kotor   The best thing about this 1195 church is that it does not have a clear Catholic or Orthodox identity. So, it was my favorite in Kotor. Anything that does not create differences for religion!  Furthermore, the church has one Catholic altar and an Orthodox altar. It remains open to all and offers a free entry during the summer season. However, it remains closed in the winter season.   • St. Claire’s Church, Kotor  Adjacent to the Franciscan Monastery, St. Claire Church, built in the 18th century, stands out with its grand altar and stunning interior.   Have a look at its wooden ceiling before leaving the church. It offers a free entry.   The Hidden Gem: St. Clare’s Franciscan Monastery, Church & Library  Once again, let’s talk about the St. Claire’s Church, Monastery, and Library, one of the few Catholic churches in Kotor, Montenegro, and a true hidden gem.   Made of brick and stone, the exterior of the church is humble. However, once you enter the church, the main altar, made of red and white marbles and exuding a Baroque style, will immediately steal your attention.   This altar was made by Francesco Cabianca in 1708. The side altars also have a Baroque style with paintings by Venetian artists. Later, Špiro Đuranović, a local painter, added a picture of St. Clare and four evangelists.   Among the many other collectibles, ancient books and manuscripts preserved by the church and its library, the Ecce Homo painting by the Spanish painter Morales, or El Divino, is the most famous.   Walking The Lower City Walls & Kampana Tower  You can start this walk of the Kampana Tower and the lower city walls from the Sea Gate.   Enter the Old Town.  Walk toward the northwest corner of the city walls to find the Kampana Tower.  Enjoy the views of the Scurda River and the harbor.  Walk toward the North Gate.  3. Free Swimming Spots In Kotor Bay  The rocky shores of the Kotor Bay offer many free swimming spots. Once you reach a beach, look for the public access areas for a free swim and directly into the water.   Free Swimming Spots Experiences  Dobrota Promenade • Find the hidden spots for swimming from the rocky shores directly Kotor Waterfront • Choose a public access spot with small pebbles Perast Waterfront • Expect charming town views Bajova Kula Beach • Beautiful pebble beach • Clear water  4. Free Events And Festivals In Kotor  Have a look at the table below to know about the free festivals and events of Kotor, their timing, and specialties.  Free Events and Festivals in Kotor Timing Free Elements The Tripundanski Days or the Days of St. Tryphon 3rd February Cultural exhibitions, parades, and concerts at Kotor Old Town Kotor Carnival February/March • Masks  • Parades  • Free Street Parties Boka Night Or Bokeljska Noć August  • Boat Parade  • Fireworks  • Concerts in Old Town Camellia Days March to May • Celebrating Camelia Flowers and Local Flavors  • Free Cultural Activities Kotor Festival of Theatre for Children 2nd to 10th July • Street Performances • Festive Decor in the Streets of Kotor Bay  5. Free Activities That No One Talks About   You can go through the best of lists about free activities in the “XYZ” place. However, you will never know where the real magic lies until you visit the place.   • Watching Sunset At Mount Vrmac  People still talk about a hike to Mount Vrmac and Fort Vrmac. However, only a local knows that the ideal time to start this hike is late in the afternoon.   Then, you will reach the Sveti Ilija Peak, the highest viewpoint, by sunset.   • The Gurdić Spring Or The Gurdić Bastion  This is a free attraction near the South Gate of the Old Town to learn about the resilient defense system of the city. Here, water bubbles from underground and flows into a moat system.   • The River Gate  Built in the 16th century, the River Gate or the North Gate is an entrance to the Kotor Old Town, a UNESCO World Heritage Site.   The bridge crosses the Škurda River. Thus, you can enjoy amazing views of the mountains, rivers, and the entire Kotor Bay from the bridge.   What Are The Cheap Activities To Do In Kotor, Montenegro?  Now comes the cheap activities in Kotor, and you can choose between short trips to nearby towns such as Perast and Budva, or exploring the former submarine tunnel entrance.  1. The Perast Bus Adventure  A Perast bus ride from Kotor will cost around 1.5 Euros. You will come across stunning Baroque architecture, such as the Zmajević and Bujović palaces.   It is a part of the UNESCO World Heritage Site, and as a historic seafaring town, it has a rich maritime history.   2. A Bus Trip To The Budva Old Town  One of the oldest urban centers in the Adriatic, the Budva Old Town has a history of more than 2500 years. It stands with its fortification and Venetian walls.   Furthermore, it has iconic landmarks such as the Church of St. John the Baptist and the Holy Trinity Church of the 19th century.   3. Visiting The Former Submarine Tunnel Entrance  The former submarine tunnel entrance near Kotor is an abandoned historical spot. It goes back to the Yugoslav era. The Yugoslav Navy used it as a secret military base for hiding submarines and boats.   From Kotor, you can take a bus to Kumbor and then follow the signs leading to the submarine tunnel entrance. The bus ticket price from Kotor to Kumbor will be around 1 to 3 Euros.   Also, if your budget permits, you can combine a visit to the former submarine tunnel entrance with a private speed boat tour to the Our Lady of the Rocks and the Blue Cave. The ticket price will be around 35 to 50 Euros.   4. Exploring The Kotor Farmer's Market  The open-air market just outside the Old Town walls of Kotor offers a delightful sensory experience. It is the place where you will experience authentic Montenegrin life and the best local flavors.   Buy cheese, honey, and local produce from this market and cook your meal at your hostel or homestay kitchen to budget your food expenses.   How Can A Student Explore Kotor On A Budget? The Ultimate Hack For Kotor On A Shoestring   I can give you a five-point solution to survive in Kotor and explore the city as a student on a shoestring budget.   1. The €1 Museum Hack  If you have the International Student Identity Card or a valid student identity card, you will have to pay just 1 Euro, instead of 5 Euros for an entry to the Maritime Museum of Kotor.   Also, an entry to the Kotor Cat Museum costs just 1 Euro for everyone.   2. Hostels With "Free" Social Lives  In my Kotor Montenegro hostel guide, I have mentioned how the cheap hostels in Kotor are more than accommodations. You don’t just get a bed, but become a part of the social calendar. The Old Town Hostel and Montenegro Hostel 4U are some of the most famous names, offering you free value additions.   Furthermore, you can be a part of the Sunset BBQs and get rakija shots and food there for a small fee.   3. The €2.50 Lunch Strategy  I know it’s tempting, but when you are a student or someone traveling on a budget, you will have to give the sit-down restaurants in the Old Town squares, including areas such as the Arms Square or the St. Tryphon Square, a miss.   Instead, you can visit the local bakeries, or Pekara. Order a Burek there with a hearty meat filling and have it with yogurt. This lunch combo under €2.50 will keep your tummy filled for hours.   4. Bus Discounts  When you are in Kotor, you can use your International Student Identity Card (ISIC) card or a valid card from any university to get 20–30% discounts on bus tickets.   Book tickets from platforms like BusTicket4.me to get the discounts.   5. Make The Most Of The Free WiFi Zones  The "Square of Arms" area and the area in Old Town just in front of the Sea Gate offer free public Wi-Fi facilities. These are local municipal connections.   Furthermore, use platforms such as Coworker.com to locate coworking places near Budva or Tivat. However, before you use any public Wi-Fi connection, you must have a VPN installed on your phone or computer.   What Are The Best Expert Tips For Free Things To Do In Kotor Montenegro?  Want to make the Montenegro free activities more fun? Give these expert and insider tips a good read.  1. Use The "Maps.me" App For Hiking  Though Kotor is a happening remote-working destination and internet connectivity is overall stable and consistent, you may face connectivity issues while exploring the hiking trails or the nearby villages.   Also, trail routes such as the Ladder of Kotor or the Fort Vrmac do not have clear markings. So, it is always a better option to download an offline map from Maps.me.   It is a more trustworthy option than Google Maps for local trails.   2. Choose Park Slobode For Swimming  Take left after the Port Authority building to find Park Slobode. It is not as crowded as the main beach.   You can get into the water from these concrete steps for a free swim. The water here is cleaner and suitable for swimming.   3. Visit The Markets Around The Closing Time  The Green Market outside the city walls is a wonderful free market to browse. Furthermore, the vendors usually pack up between 1 and 2 PM.   Many vendors give away free fruits during these hours.   4. The View From Kampana Tower Can Beat Any Mountain View  If you are too lazy to climb the mountains for a wonderful view of the Kotor Bay, you can walk to the Kampana Tower at the northwest corner of the wall.   You can climb up the stairs to reach the top of this bastion for free. From there, you will get wonderful photo opportunities.   5. Don’t Miss The Bokeljska Night  If you are visiting in late August, do not miss "Bokeljska Noć." It is a massive boat parade with fireworks. It is completely free to watch from the harbor wall.  6. Choose The "Mu" Walk  If you find the roads toward Dobrota very crowded, you can choose a quieter alternative, Muo. Here, you will have to walk along the waterway through a flat and scenic route.   You will love the reflection of the city walls in the water.   7. Don’t Miss The St. Nicholas Liturgy On Sundays  Visit the St. Nicholas Church on Sundays to attend the Liturgy. The most delightful element of this Liturgy is the Orthodox choral singing. You can listen to it completely free.   8. Avoid The Window Fines  Once again, you must not try to jump the turnstiles or force the blocked window at the fortress. If a park ranger catches you crossing the barrier, you will be charged a fine.   Kotor Montenegro Free Activities: Frequently Asked Questions (FAQs)  Here are the frequently asked questions and answers about Kotor Montenegro free activities.   1. Is The Kotor Fortress Free Before 8 AM?  No, there is no official rule for a free entry to the Kotor Fortress before 8 AM. The trick is that in the winter and spring seasons, from November to March, the guards do not reach the fort before 8 AM. So, you can try entering the fort for free.   However, guards reach earlier in the summer months. So, if you get caught, you may have to pay 15 Euros. So, this is more of a trick or gamble.   2. Which Churches In Kotor Are Free To Enter?  The free churches to visit in Kotor are the Church of St. Nicholas, an Orthodox Church, the Romanesque Church of St. Luke, the Church of St. Mary or Our Lady of the Rocks, and the Church of St. Anne.   Furthermore, as you explore the Old Town Squares, you will find many small chapels, which are free to enter.   3. Are There Free Sandy Beaches In Kotor?  Kotor does not have sandy beaches. The Kotor Beach in Dobrota, close to the Old Town, is filled with pebbles. Galebova's Rock, on the other hand, has a concrete beach.   However, if you want to visit a sandy beach, you will have to travel around 21 kms to reach Mogren Beach in Budva.   You can even visit the Island of Flowers or Ostrvo Cvijeca, around 11 kms away. It is in Tivat Bay.   4. Is The "Ladder Of Kotor" Hike Free?  Yes, the Ladder of Kotor hike, starting just behind the Old Town, is a free hike. It has been an alternative to entering the fort with a hiked fee.   After a walk for a few kilometers, there used to be a section or opening known as the Window. People used to get into the castle through this window.   However, the window is now blocked. Still, you can hike through this route for a view of the fort and amazing sunset scenes.   5. Is Water Free In Kotor?  Yes, water is free in Kotor. There is a historic well, Karampana Well and there are taps around the city where water comes from the mountains. This water is potable.   So, you must carry reusable bottles and fill them at the refill stations. Thus, you can save money and reduce plastic wastage.    6. Can I Walk The City Walls For Free?  You can walk around the lower perimeters of the city walls near the harbor and water for free. However, you cannot walk the higher perimeter of the city walls for free.  Early morning or late evenings are the best times for a free walk around the city walls.   7. Is The Hike To Fort Vrmac Free?  Yes, a hike to Fort Vrmac is free. However, this Austro-Hungarian fort is in a dilapidated condition. Also, I felt some eerie vibe there.   The hiking route to the fort ruins is easy and it is considered beginner-friendly. So, it is popular among locals and travelers on a budget as an alternative to the Kotor Fortress hike.   8. When Is The Kotor Carnival?  Kotor has two main carnivals. The International Summer Carnival takes place in July-August. Furthermore, the grand Winter Carnival takes place in February and March.   The Winter Carnival has Venetian mask dances, a grand parade with majorettes, grand feasts, the burning of an effigy symbolizing the troubles of the last year.   On the other hand, the Summer Carnival has colorful parades and street parties.  9. Is Parking Free In Kotor?  There are no designated free parking areas in Kotor, especially near the Old Town. However, Dobrota, Škaljari, or other residential areas allow free parking on the streets.  You will have to walk for at least 1.5 kilometers to find these parking places.  10. Are There Free Toilets In Kotor Old Town?  No, there are no free toilets inside the Kotor Old Town. You will have to pay around 0.6 to 1 Euro to use the public toilets.   However, you can use free facilities at the Shopping Center Kamelija near the North Gate or the restrooms at the Kotor Cable Car Station.