It seems you may likely not need a Visa for the three Countries you mentioned above if you have a Refugee status in an EU Country and you have the the Refugee Travel Document(Passport) and the Residence Permits that comes along with it.
The Visa policy of Montenegro states that Holders of Refugee status in the European Union , Canada,Japan, Australia and the US can visit Montenegro for a period of 30 days. Without having an additional visa. you can read this link Carefully. https://en.m.wikipedia.org/wiki/Visa_policy_of_Montenegro
Similar laws also applies to Albania but in Albania they can stay for a period of 90 days without a visa. Read this link carefully it will help u out
While in Kosovo Eu residence permit holders can visit there regardless of thier Nationality without having an additional visa for only a period of 15 days
I hope this answers your questions