Greece travel insurance requirements are low if you’re travelling from the UK. If you have either the EHIC or GHIC card, you’ll automatically have some cover for state healthcare services in Greece. You won’t be covered for other emergencies, and unplanned travel expenses though.
Greece travel health insurance covers private medical healthcare, non-urgent treatments and repatriation costs. You can also be protected from changes to travel and accommodation bookings, and cover for baggage and personal belongings.
So, although it’s not essential, travelling to Greece with insurance is necessary to make sure you’re comprehensively covered. It is also important to check when your travel insurance should start.
It can be beneficial to have an EHIC or GHIC card when you travel to Greece. Both cards give you access to necessary state healthcare in Greece at a reduced cost or even for free. The conditions will be the same as for Greek citizens. It does not cover private healthcare, non-urgent treatment, and repatriation costs. UK citizens are advised to get travel advice for Greece before travelling.
As with any travel, when travelling to Greece, there are risks of end supplier failure or pickpocketing. Purse snatching and luggage theft are also common in Greece. Road conditions in Greece can be challenging in places and there’s a heightened risk of accidents due to congestion and reckless driving. There may also be a risk of wildfires, especially in the height of summer.
Generally, travel insurance policies for Greece cover the mainland as well as its numerous inhabited islands. Since Greece is part of the Schengen Area, this policy might cover other Schengen areas too. This is useful to know if you’re planning on travelling to other European countries during your trip.
Greece travel insurance costs can vary depending on various factors. The duration of the trip, age of the traveller, and the level of cover desired are the most significant factors. Special requirements for a pre-existing medical condition could significantly affect the cost too. There are also various policies to choose from. You could choose a single-trip policy, a 90 day policy, or even a multi-trip policy. Costs and benefits can vary for the various options. So it’s advisable to compare multiple quotes before you commit.
Travel insurance to Greece covers a variety of different travel-related risks. Policies can vary between insurers so it’s advisable to compare multiple quotes before committing. In general, the following risks are covered by Greece travel insurance.
Holiday cancellation or curtailment cover provides financial compensation when you need to cancel or cut your holiday short due to unforeseen circumstances. This typically includes illness, injury, or death of the traveller or a close relative.
This is a key part of travel insurance and covers medical expenses like doctor visits, hospital stays, medication and even repatriation to your home country if need be.
Most travel insurance policies offer some cover for your personal property and money. Depending on the limits of your policy, you’ll receive compensation for lost, stolen or damaged belongings while travelling.
You may also receive cover for lost or stolen money, but there will be limits and it will be subject to specific conditions and exclusions. For high-value items, you’ll need an additional limit or policy.
If your luggage is delayed for 12 to 24 hours, you’ll typically receive a daily allowance that covers essentials like toiletries and clothes. To make a claim you’ll need to show proof of your purchases, so make sure to keep your receipts.
If an accident results in injury, disability or death, depending on the particular policy, you or your beneficiary may receive a payout as compensation. Temporary disabilities, permanent disabilities and death have varied payment structures and the limits of the compensation will vary between policies.
Travel insurance offers compensation when you miss your departure due to mechanical breakdown, public transport failure, road closures, or accidents. You won’t be covered if you fail to allow enough time to get to your departure point.
Sometimes travel plans are delayed. This can be caused by many different reasons. Travel insurance steps in to compensate with cover for meals, lodging, transportation, and essential items like toiletries and clothes.
Some travel insurance policies include personal liability cover. This covers legal and compensation costs should you cause injury to another person or damage their property.
Travel insurance for Greece has exclusions you need to be aware of when travelling, including:
Stay informed on the latest travel advice for travelling to Greece to avoid potential coverage issues.
Injuries or accidents that happen when you’re under the influence of illegal drugs or alcohol aren’t covered.
Certain activities may need extra coverage for protection.
Standard policies might not cover events like terrorism, heatwaves or forest fires.
Insurers won’t cover claims that are made as the result of illegal activities.
You must disclose all existing medical conditions to your insurer or you risk invalidating your insurance.
Gadget cover is a specialised insurance that covers electronic devices like smartphones, tablets, laptops, cameras and other gadgets while you’re travelling.
It typically covers accidental damage, theft, liquid damage, mechanical breakdown, and accessories cover.
Some policies may also cover unauthorised usage like calls and data usage if the phone is stolen. You can typically choose single or multi-gadget plans.
Travellers often like to engage in sporting activities that may be considered higher-risk. When you take out a travel insurance policy with activity holiday cover, you’ll be covered for more hazardous activities outlined on the policy.
Coverage can include medical and emergency expenses, equipment cover, personal accident and liability, and cancellations or curtailments. There may be limits regarding age and pre-existing medical conditions.
Travel insurance with cruise cover offers comprehensive insurance for cruise-related risks. This could include cabin confinement, medical and repatriation costs, itinerary changes, unused excursions, and cruise interruptions.
Travelling with a pre-existing medical condition can be complicated. That’s why it’s important to find a policy that includes cover for your particular condition. Many insurers offer cover for diabetes, heart disease, and asthma. Mental health issues and pregnancy-related conditions may be excluded.
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