Compare travel insurance for Greece
Compare travel insurance for Greece
With a wealth of islands, ancient cities and a vibrant culture, Greece has something for everyone. Whether you’re going with family or friends, it’s important you get travel insurance to give you peace of mind on your trip.
Why do I need travel insurance for Greece?
Travel insurance for Greece can provide financial cover for unexpected events while you’re away, such as emergency medical assistance.
Your policy will also typically offer cancellation cover. This will cover the cost of your holiday, should you need to cut your trip short or abandon it altogether due to an emergency or event such as bereavement. Therefore, it’s important to arrange your travel insurance when you book your holiday.
If you experience travel delays that cause you to miss something important on your itinerary that you have paid for in advance, your policy may cover the cost.
If your belongings are lost, stolen or damaged, they’ll usually be covered under a standard travel insurance policy.
On 4 April 2020, the Foreign and Commonwealth Office advised against all non-essential travel overseas for an indefinite period. In this unprecedented time, we are temporarily not providing travel insurance comparisons for trips outside the UK, until we have complete confidence we can get you a policy to meet your needs.
As of 23rd March 2020, the UK Government announced a series of restrictions to travel, public spaces and gatherings. For a minimum of three weeks, people are being instructed to stay at home whenever possible. For this reason, travel insurance policies purchased from this date, for trips within the UK with a start date before 13th April 2020, will not be valid.
The UK Government also instructed all British tourists and travellers, that are currently abroad, to return to the UK as soon as possible.
Coronavirus was declared a pandemic on 11th March 2020, so this may also affect your policy, particularly those taken out on or after that date. Please check any existing policies carefully, to find out what you’re covered for.
What kind of travel insurance will I need for Greece?
If you’re travelling to Greece you’ll need European travel insurance, as either a single-trip or annual multi-trip policy. A single-trip policy tends to cover you for 30 days and a multi-trip policy will cover as many trips as you wish to make in a 12-month period. Some providers may offer cover for an extended single-trip policy if you plan to stay for longer than 30 days.
If you plan to stay for a long period of time, for example you're visiting Greece as part of a journey to several countries, then you’ll typically need backpackers insurance. This will ensure that you’ve got the right level of cover for your full itinerary.
If you’re travelling as a couple (providing you both share the same address) then you can get a couples' travel insurance policy. If you’re travelling as a group, with up to 10 people, then you can get a group travel insurance policy or a family policy. With a family policy, those under 18 are typically covered for free.
What should my travel insurance to Greece include?
While your holiday to Greece should be all about fun and relaxation, you should consider the following cover, just to protect you and provide peace of mind:
- Medical cover – you’d be surprised at the full cost of medical treatment in Greece. Medical expenses can run into the tens of thousands of pounds while abroad.
- Lost, stolen or damaged luggage and passports – try not to leave your belongings unattended, for example in a car. Although a travel insurance policy will cover stolen items, you could affect your ability to make a successful claim if you leave items unattended. Theft is one of the most common risks that holidaymakers in Greece are vulnerable to, with pickpockets targeting wallets, handbags and passports in crowded tourist spaces and areas like the metro. Take care and be wary of your valuables in these areas.
- Cancellations and delays – if your holiday is cancelled, delayed or shortened, you can make a claim to recover your costs. Package holidays to Greece are often ATOL protected, but this does not cover the full range of potential cancellations and delays you may face. To be fully protected, especially if your holiday was not part of a package purchase, you should consider purchasing a travel insurance policy.
- Repatriation – if there’s trouble with the airline, or you need special travel arrangements due to a medical requirement, these costs can be covered under your travel insurance policy.
Greece Travel Insurance Exclusions
While your insurance is designed to cover you for things that might go wrong, while travelling in Greece, there may be some exceptions. Here are some of the things to check carefully for in your policy:
- If you have any pre-existing medical conditions they may not be covered under a standard travel insurance policy and you may have to get a specialist policy. At Compare the Market, any medical conditions you declare will be covered in your policy.
- If you’re taking part in any risky adventure activities they may be excluded from your policy. Check your policy to see what activities are excluded. Greece is popular for several water sports, including kayaking and scuba-diving, as well the popular banana boats that can be seen bouncing along the waves, just off shore. If you’re travelling to Greece and plan on taking part in these types of activities, check your policy carefully and arrange extra cover if necessary.
- Incidents related to alcohol abuse – Greece is popular with young travellers looking for a party holiday. Resorts like Zante, Kavos and Ayia Napa are famous for their big and wild nightlife, but things can quickly go wrong with too much alcohol. You can have your claim invalidated if the insurance provider deems the incident was due to you being intoxicated, by alcohol or drugs for example.
- Travel to regions which Foreign and Commonwealth Office have advised to avoid – this may be because of disease epidemics or terrorism threats. The FCO doesn’t currently advise avoiding travel to Greece, with the terrorism threat deemed to be lower than in the UK.
- Act of God – this includes natural disasters. Greece does suffer from forest fires during the height of summer, while it also experiences earthquakes and other tremors. You should seek advice on what to do in the event of an emergency.
How much is travel insurance for Greece?
If you’re visiting Greece, European travel insurance could cost from £13** for a week or £28*** for a multi-trip policy, based on Compare the Market data in February 2020.
**50% of people could achieve a quote of £12.73 for single trip travel insurance for 1 week Europe based on Compare the Market data in February 2020.
***50% of people could achieve a quote of £27.16 for for Europe multi travel insurance based on Compare the Market data in February 2020.
What else do I need to know when travelling to Greece?
Visa: if you’re a British citizen with a valid passport, you won’t need a visa to travel to Greece.
EHIC: you can get a European Health Insurance Card (EHIC)**** free via the NHS. This will give you access to state-provided medical treatment in Greece on the same terms as a local. However, you’ll need travel insurance to cover any other costs linked to a medical issue, such as repatriation to the UK.
****UK residents can use their EHIC after the 31 January during the transition phase of the UK leaving the EU. This means that the EHIC can continued to be used in the same way until the 31 December 2020. What happens to the status of the EHIC after the transition phase will be decided as part of the negotiations on the future UK-EU relationship.
Clothing: Greece is largely a modern, liberal country; however, some areas can be quite conservative due to the culture of the Orthodox church. When visiting churches or monasteries, it’s respectful to cover up by avoiding skimpy shorts and tops that reveal your shoulders.
Public indecency: Greek police are quite intolerant of publicly indecent behaviour. Police will arrest those who act indecently.
Smoking: smoking is illegal in all indoor public places and is punishable by a large fine.