Yes, travel insurance is still worth carrying for a trip to Gdansk, even though Poland's Baltic coast is one of the lower-risk destinations in this guide. Gdansk has well-developed hospital care by regional standards, including around its historic Old Town and the Solidarity-era Gdansk Shipyard, so the honest case for coverage here is cost, trip disruption, and coverage gaps rather than any unusual danger. Most visitors come for the Old Town, the Westerplatte memorial, and the wider Baltic coastline, and a policy still earns its keep on ordinary travel problems like lost luggage, a missed connection, or an unplanned pharmacy visit in an unfamiliar country.
Whether your own health cover applies in Poland depends entirely on your country of residence and plan, and this page cannot answer that for you. EU and EEA visitors may have reciprocal healthcare arrangements through their home scheme, but check whether your existing cover extends abroad and specifically to Poland before assuming it does, since the rules differ meaningfully for visitors from outside Europe, and gaps here are common even among EU travelers who assume full coverage.
Gdansk's exposure on the Baltic Sea brings real seasonal weather risk, particularly in autumn and winter, when storms can disrupt ferry connections to Scandinavia and delay flights at the local airport. This is a logistics risk rather than a medical one, and trip-delay cover is worth checking closely if your visit involves a ferry crossing or falls in the shoulder season rather than midsummer.
Keep receipts and any clinic paperwork if you need treatment, since Polish providers, like most in the EU, issue standard invoices and reports on request. Many policies also want notice before non-emergency treatment is booked, so check the claims process in your policy wording before you travel rather than assuming automatic reimbursement once you are back home from the Baltic coast with an unexplained bill in hand.