You must bring your papers to the local branch of the Health Fund of Montenegro (Fonds za zdravstveno osiguranje – FZZO) to obtain a certificate allowing you to seek treatment in public medical institutions in Montenegro. A list of medical facilities in Montenegro can be found on the GOV.UK website. Canada has a publicly funded and publicly funded health care system that provides universal coverage for all Canadians. Visitors have access to the system, but the cost of medical treatment can be very expensive. In the absence of mutual health agreements between Canada and Australia, it is important to have adequate travel health insurance and accessible means to cover the costs of each medical treatment during a visit to Canada, including for short stays. It is highly recommended that Australian travellers purchase comprehensive travel insurance covering all medical expenses abroad prior to departure. You should confirm that your insurance covers them for the duration of their time and check what circumstances and activities are contained in their policy or are not included. Ms Evans said she was surprised that Canada was not covered by a mutual health agreement. . . .