Mutual health agreements are not enough for medical care. Many hospitals in Montenegro do not accept the European Health Insurance Card (EHIC) to prove that you are entitled to free emergency care. It is quite healthy, but more than three years ago, there was lung cancer that was successfully eliminated, and it has had no problems or recurrences since. This seems to have little strain with travel insurers, though, the minimum offer for a four-week trip is £1600. Without the medical condition, the policy is no more than $100. This will triple the cost of their trip. General information on travel vaccinations and a travel health checklist can be found on the NHS website. You can then contact your health advisor or pharmacy to advise you on other preventive measures and treat pre-existing conditions while you are abroad. If you are pregnant and your partner is entitled to publicly funded health and disability services, you may benefit from certain maternity-related services in NZ, even if you are not eligible for other services. Ask the hospital or doctor if a refund is possible. If not, ask the local public health. Your Local Public Health Authority (DHB) website will have a list of practices and their rates. You can also search on the DoctorPricer website.
At least 8 weeks before your trip, you will find the latest country health mentions from the National Travel Health Network and Centre (NaTHNaC) on the TravelHealthPro website. Each country page provides information on vaccine recommendations, current health risks or outbreaks, as well as fact sheets on staying abroad. Instructions are also available through NHS (Scotland) on the FitForTravel website. The government does not fund private health services such as private hospitals or clinics. You have to pay for these services. The agreements do not cover the cost of repatriation to the UK (repatriation) or routine monitoring of existing conditions. If you and your partner are not entitled, you must pay for maternity care or use health insurance to cover the costs. Australia has a mutual health agreement with the UK, which means that UK residents are able to get some health services free of charge while visiting Australia. A number of companies offer private health insurance that cover costs in the private system.