Compare Travel Insurance in Greece

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What is travel insurance in Greece?

Travel insurance (ταξιδιωτική ασφάλιση) covers the financial risks of trips — medical treatment abroad, trip cancellation, lost luggage, delays and personal liability. Greeks travelling within the EU carry the European Health Insurance Card (EHIC) for basic public healthcare, but travel insurance adds private treatment, repatriation, cancellation cover and protection beyond the EU. Policies come as single-trip or annual multi-trip.

How the Greek market works

Travel insurance is sold by insurers, banks, travel agents and online, often bundled with premium cards or booked alongside flights and holidays. For EU travel, the EHIC (available via EFKA) provides access to state healthcare on the same terms as locals, but it does not cover private care, repatriation or cancellation — hence the value of a policy. Insurers such as Generali Greece, Eurolife FFH, Allianz Greece and Ethniki Asfalistiki offer single-trip and annual plans with varying medical and cancellation limits. Annual multi-trip policies usually cap the length of each individual trip, so long-stay travellers should check the per-trip day limit.

Benefits

Medical cover abroad — pays for private treatment and, crucially, emergency repatriation home.

Cancellation protection — recovers prepaid costs if illness or emergencies force you to cancel.

Baggage and delay cover — compensates for lost luggage and significant travel delays.

Worldwide options — cover extends beyond the EU where the EHIC does not apply.

Family cover — a single annual policy can cover a whole household for the year's trips.

How to choose

Match cover to your trip: destination (EU or worldwide), duration, and activities like skiing or diving that may need add-ons. Check the medical limit, repatriation cover, cancellation limit, excess per claim, and exclusions for pre-existing conditions. Frequent travellers save with annual multi-trip policies. Confirm coverage of your specific activities and any valuables limit. Compare quotes for equivalent limits, and read the policy wording before buying rather than relying on headline prices.

Leading providers in Greece

Generali Greece and Allianz Greece bring international scale and broad travel ranges, including worldwide medical cover. Eurolife FFH offers travel plans distributed partly through Eurobank. Ethniki Asfalistiki provides wide agent access as a long-established insurer. All offer single-trip and annual options; the right pick depends on destination, activities and the medical and cancellation limits you need.

What it costs

Premiums depend on destination, trip length, traveller age, activities and cover level, so they are quoted per trip or per year. A short EU single trip costs little, while worldwide annual cover for a family or older travellers costs more. Adding high-risk activities or higher medical limits raises the premium. Comparing like-for-like limits across insurers is the practical way to judge value. Declaring pre-existing conditions may raise the premium or require a medical screening, but failing to declare them risks a claim being refused, so accuracy matters more than a slightly lower price.

Protections and regulation

Travel insurers are supervised by the Bank of Greece's private insurance department for solvency and conduct, under EU insurance rules. The EHIC, issued through EFKA, provides statutory EU healthcare access that travel insurance supplements. Policyholders benefit from clear pre-contract disclosure and can escalate disputes to the insurer, the Hellenic Financial Ombudsman, or the supervisor.

Common questions

Do I need it if I have an EHIC? Yes — the EHIC covers only basic EU state care, not repatriation or cancellation. Single-trip or annual? Frequent travellers usually save with an annual multi-trip policy. Are adventure activities covered? Often only with add-ons — check before travelling. Are pre-existing conditions covered? Frequently excluded or subject to declaration; read the terms. When should I buy? Ideally when you book, so cancellation cover applies from the outset rather than only from travel. Does it cover Covid or illness? Many policies now include medical cover for illness abroad; confirm the wording.

Travel Insurance in Greece — FAQ