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Compare travel insurance for Cyprus

Whether you’re going to catch some rays on sun-kissed beaches or explore archaeological ruins and beautiful scenery, it’s important to get the right travel insurance in place before you set off on holiday to Cyprus.

Whether you’re going to catch some rays on sun-kissed beaches or explore archaeological ruins and beautiful scenery, it’s important to get the right travel insurance in place before you set off on holiday to Cyprus.

Written by
Anna McEntee
Travel insurance comparison expert
Reviewed by
Rebecca Goodman
Insurance expert
Last Updated
8 MARCH 2023
7 min read
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Do I need travel insurance for Cyprus?

Most British visitors enjoy trouble-free stays in Cyprus and crime against tourists is rare. But there’s always a chance that you might become ill, have your trip cancelled or your valuables stolen while you’re away. Travel insurance can help make sure you’re not out of pocket if things go wrong.

Customers with pre-existing medical conditions

If you have a serious health condition, your travel insurance is likely to be more expensive. Whatever happens, don’t lie to an insurance provider, because this could mean your claim is rejected. When you declare any medical conditions on our website, we’ll only show you quotes from insurance providers who will cover them, with no exclusions.

If your condition is more serious, MoneyHelper has a directory of insurance providers who may be able to provide quotes over the phone. You can call them on 0800 138 7777.

How much is travel insurance for Cyprus? 

You’ll need European travel cover for Cyprus. A travel policy can cost from as little as £6 for a week’s holiday in Europe[1].

Bear in mind though that the exact cost of your travel insurance will depend on your age, the level of cover you need for your trip, what activities you’re planning and any pre-existing health conditions. 

If you travel regularly, you might find that an annual travel insurance policy is best for you. It could save you money as you won’t have to organise a separate policy each time you go away.

[1] Based on Comparethemarket data for a single trip travel policy for a 20-year-old with no pre-existing medical conditions travelling in Europe for 1 week. Prices correct as of January 2023.

What will Cyprus travel insurance cover?

A travel insurance policy for Cyprus will typically include cover for:

  • Medical care – this is key in any travel insurance policy and can cover you if you’re injured in an accident or need access to healthcare while you’re in Cyprus. The policy may also include getting you back to the UK for treatment.
  • Holiday cancellation – so you can claim back the costs of missed flights and accommodation if an unforeseen emergency means you have to cancel at the last minute.
  • Flight cancellations and missed connections – your travel insurance may also provide cover if you have to cancel your flight. Check the policy to make sure cover for missed connections is also included.
  • Damage, loss or theft of your luggage – covers what we take with us on holiday, including phones, laptops, tablets and cameras, as well as clothes. Your travel insurance could cover the cost of replacing items if they’re lost, damaged or stolen. Always check policy limits, including the single-item limit – the maximum your insurance provider will pay out for one item – to make sure you’re fully protected.
  • Covid-19 – this can cover cancellation, medical expenses, repatriation and extended stays as a result of COVID-19. When you get a travel insurance quote with us, you can compare the levels of covid cover available. Just filter the results to match the type of cover you want.

What won’t Cyprus travel insurance cover? 

Before you fork out for insurance for your trip to Cyprus, there’s a few exclusions to watch out for. Providers typically won’t cover: 

  • Medical treatment for pre-existing health conditions that you haven’t declared to your insurance provider. Make sure you’re honest and as accurate as possible when you apply for insurance otherwise you may find you’re not covered if you need to make a claim.
  • Injuries or accidents that occur while you’re under the influence. You won’t be covered for medical treatment if you’re injured or involved in an accident while you’re under the influence of drugs or alcohol.
  • Injuries or accidents caused by winter sports or extreme sports unless these are covered by your policy. Typically, you’ll have to pay extra to cover sports like jet-skiing, rock climbing, scuba diving or paragliding.
  • Terrorism, natural disasters and civil unrest. Some policies offer limited cover for natural disasters and terrorism-related incidents, but you’ll need to clarify this with your insurance provider. Make sure that you’re covered for emergency medical expenses resulting from a terror attack at the very least.

What else should I consider when I choose my travel insurance? 

Think about what activities you’ll be doing on your trip to Cyprus and make sure your insurance policy covers you. If it doesn’t, you may be able to add cover for an additional cost. If this isn’t possible, look for a specialist policy. 

You’ll typically need extra cover for:

  • Extreme sports – to cover kayaking, rock climbing and wakeboarding, for example.
  • Water sports – to cover jet-skiing, windsurfing and more.
  • Winter sports – although Cyprus isn’t known for its cold climate, you can ski and snowboard in the Troodos Mountains.
  • Golf travel insurance – Cyprus has some superb golf courses, including four international standard, 18-hole courses, so if you’re planning to play, make sure you’re covered.

Do I need a visa to visit Cyprus?

If you’re a British citizen, you won’t need a visa to enter Cyprus. But if you’re staying for longer than three months, you’ll need to get a residence permit.

Details on Covid-19 vaccination and testing requirements for Cyprus can be found on the GOV.UK website.

Do I need travel insurance for Cyprus if I have an EHIC or GHIC card?

Cyprus is in the EU so it’s a good idea to take your Global Health Insurance Card (GHIC) with you. This isn’t a substitute for travel insurance, but it gives you the right to state medical treatment on the same terms as EU nationals.

The GHIC replaces the EHIC card. But if you already have an EHIC issued before the end of 2020, you can use it until it expires.

The GHIC card is free from the official NHS site. Make sure you apply in plenty of time before you go away.

Be aware that the GHIC/EHIC is only valid in Southern Cyprus – officially known as the Republic of Cyprus – which is a member of the EU. The EHIC/GHIC isn’t valid in Northern Cyprus.

Any other tips for trips to Cyprus? 

Here’s a few more travel facts about Cyprus to help you enjoy your trip. 

  • North and south – the island is divided in two. The Greek Cypriot southern sector, which is referred to as the Republic of Cyprus, occupies two thirds of the island to the south and is part of the EU. The northern third of the island is occupied by Turkey. UN troops patrol the Green Line that separates the two parts.
  • Most package holidays are to the Greek Cypriot south of Cyprus, but travel to the north and back again is possible either on foot via the Ledra Palace and Ledra Street checkpoints in Nicosia, or by car at Agios Dometios. If you intend to do this in a hire car, check your insurance as sometimes it doesn’t extend to the north of the island.
  • Money – the euro is the currency of Cyprus, although the Turkish lira is the official currency in the north. That said, most shops and hotels in northern Cyprus also accept UK pounds, dollars and euros.
  • Religion – in the south, you’ll find the majority of residents are Christians of the Autocephalous Greek Orthodox Church of Cyprus. In the north, Turkish Cypriots are predominantly non-religious Muslims.
  • Dress code – this is relaxed, except when entering sacred places of worship like churches or mosques.
  • Drugs – Cyprus has a strictly enforced zero tolerance policy towards drugs. If you’re caught with any type of narcotic, you’ll receive either a prison sentence or a hefty fine.

Where can I compare travel insurance quotes for Cyprus?

Travel insurance for your Cyprus getaway could give you valuable peace of mind. Simply compare with us today and get a quote in minutes.

Frequently asked questions

When is the best time to visit Cyprus?

If you’re looking for warm, sunny weather, the best time to visit Cyprus is generally May or June. These tend to be the driest months and temperatures hover between 23C and 28C, with up to 13 hours of sunshine a day. If you want to dodge the crowds, avoid the busy summer months.

What cover do I need for a golfing holiday to Cyprus?

Cyprus is one of the best places in Europe for a golfing holiday, but standard travel insurance might not give you the protection you need. It might be worth paying a bit extra to add specialist golf cover to your policy. This can cover the cost of replacing your golf clubs if they’re damaged or stolen while you’re away. It can also cover green fees if an accident or illness prevents you from playing.

Can I take a hire car from south to north Cyprus?

A car that you’ve rented in the southern part of the island may not be insured for driving in the north as this area is under Turkish occupation. You won’t be allowed through a border crossing without the correct insurance documents. It’s possible to buy car insurance for the north at certain checkpoints.

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Anna McEntee - Insurance expert

Anna’s all about delivering fantastic insurance products at a great price. Value is the most important thing for Anna, as she cuts through the jargon and finds what’s most important and worth your hard-earned money.

Learn more about Anna

Rebecca Goodman - personal finance expert

Rebecca Goodman is a freelance financial journalist who specialises in insurance, personal finance and consumer affairs. Rebecca regularly writes for national newspapers including The Independent and The Mail on Sunday on a wide-range of financial topics. She covers everything from money-saving tips and holiday advice to investigations into how energy efficient appliances can cut the cost of household bills and the impact donating money can have on those in need. Along with features in national papers, Rebecca also writes news stories for websites including and The Money Edit.

Learn more about Rebecca

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