Both countries have been grouped together for World Cup qualification and Owen insisted: "I don't think any of the Croatian team would get into our team.
"Doesn't that tell you it's not about ability or technique but in the mind.
"We have very demanding fans and a media who expect a great deal from the England team - and rightly so.
"How we, as players, cope with that is where the problem lies.
"I watched the Croatia game and so often it broke down purely because of pressure.
"It came down to the pressure of making a mistake when it mattered.
"If we'd won the games we should have, we wouldn't have ended up putting that kind of pressure on ourselves. It was our own fault."