Living in Montenegro?

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Living in Montenegro

Do I need private health insurance while living in Montenegro? What do I need to know about the social security system? What is transportation like in Montenegro? Our InterNations Expat Guide to living in Montenegro has the answer to all these questions and many more.

Education in Montenegro

Education in Montenegro is free and also compulsory for children between the ages of six and 15. Secondary schools after the age of fourteen are split for different ability levels between three options — a secondary school which acts as a preparation for children who are likely to go on to study at university level, professional schools which are slightly more specialized but still cover a range of subjects, or a vocational school teaching more specific skills. The language of instruction is mostly Serbian, with some schools also offering instruction in Albanian.

If you will be living in Montenegro with your family, then most expatriates send their children to international schools, where education is more synchronized with schools across the continent. The advantages include teaching in English which is positive for children in the middle of their education, but the tuition can be more expensive and places at the schools can be limited. There are several international schools in Montenegro, including QSI International School in Podgorica, as well as Knightsbridge International School and Arcadia Academy in Tivat.

Healthcare in Montenegro

When living abroad, it is essential to make sure you have the correct insurance that will cover you in any medical emergency, even though Montenegro does have a good standard of state-funded healthcare.

Employers are obliged to register their employees with the health insurance fund, paying in a total of 13.5% of the employee’s salary, split between employee and employer. This is available to expatriates and covers dependent family members, so, if you are moving to Montenegro for work with your family, check with your employer that you are fully covered.

In spite of that, it is still worth looking into the possibility of obtaining private medical insurance when living in Montenegro. The emergency number in Montenegro is 112.

Transportation in Montenegro

The standard of roads across Montenegro is fine in the cities and towns, but out in the more rural areas the quality is a lot lower. There is only one toll in the country at a tunnel between the coastline and Lake Skadar. In order to drive in Montenegro you need to have a valid driving license and also an international driving permit.

The frequency and efficiency of buses between towns and cities and along the coastline is remarkably good for such a small county and is the easiest way to get around.

Trains are also an option and are very cheap, and offer incredible views of the country, particularly if you are heading to Bar from the border of neighboring Serbia — be sure to sit on the side of the train facing west for the most breathtaking views. Trains are much less frequent than buses, but if you have the time to be flexible they are worth it for the low cost and the experience.

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