Yes, travel insurance is worth carrying for a trip to Zagreb, Croatia's capital, even though the city itself is a well-developed, comparatively low-risk European destination. The honest reasons to carry cover here are winter weather in the capital and the very different risk profile many visitors pick up once they continue on to the Dalmatian coast.
Zagreb has strong hospital care of its own and handles serious cases locally without the referral distances this guide flags for more remote destinations. As an EU member, Croatia offers reasonably straightforward access to care for many European visitors, but check whether your existing health cover actually extends here and specifically to Croatia, since the rules differ for visitors from outside Europe and this page cannot know your own plan's terms in advance.
Zagreb's winter, including its widely praised Advent Christmas market running through December, brings genuine cold, snow, and icy pavements that raise the odds of a slip-and-fall injury or a delayed flight more than any unusual danger. Trip-delay cover is worth checking if your visit falls in this window, particularly if your schedule depends on a tight onward connection.
Many travelers use Zagreb as a starting point before continuing to Split, Dubrovnik, and the wider Dalmatian coast, where the real activity risk shifts toward boating, coastal hiking, and summer heat rather than winter cold - check that your policy covers whichever activities are actually part of your onward itinerary rather than assuming one policy suits both legs of a two-part Croatian trip.
Keep any clinic paperwork, police reports for an accident or theft, and receipts for delayed travel or medical treatment, since Croatian providers generally issue standard documentation on request. Check your policy's claims process and notification timeline before you travel rather than after something goes wrong, whether that trouble happens in the capital or further down the coast.