is travel insurance mandatory for greece

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Trip to Greece: which travel insurance should I take?

Written by: Axel Strauss  DATE: 27/02/2024

The population of Greece as of 2024 is roughly 10.5 million people. But the country welcomes, on average, nearly triple that in international visitors each year. And it’s no wonder why. From the Acropolis of Athens to the Parthenon. From ancient archeology, culture, and architecture to breathtaking mountains, valleys, and beaches. From skiing, hiking, climbing, and sailing to island-hopping, wine-tasting, olive-munching, and all sorts of fun in the sun — the cradle of modern Western civilization has plenty to offer any type of traveler. And all of it never more than 137 km away from the sea, mind you! 

Do you plan to be one of the dozens of millions to visit this Mediterranean marvel of history and fun in the near future too? If so, then you might be thinking about how to choose the proper travel insurance. In which case, you’re in luck. Because not only does AXA have you covered with the best possible travel insurance for Greece — but we also have all you need to know about travel insurance for Greece in general below. 

• Is travel insurance mandatory for Greece? 
• I don’t need a Schengen Visa. Do I still need travel insurance? 
• What does AXA Schengen travel insurance for Greece cover? 
• What should I do if I am injured or ill while in Greece? 
• What else should I know when prepping for my trip to Greece? 

Is travel insurance mandatory for Greece?

Yes and no. That is, whether travel insurance is mandatory or optional for you depends on whether you need a Schengen visa . And that’s because Greece is one of the members of the Schengen Zone . This means that most of its millions upon millions of visitors require a Schengen visa to enter its borders for stays of up to 90 days. And to get a Schengen visa — it is indeed mandatory that you have the proper travel insurance (more on that below). 

Meanwhile, whether you need a Schengen visa or not depends on your particular situation, your nationality, and where exactly you’re coming from.

Who doesn’t need a Schengen visa to come to Greece (for stays of less than 90 days)?

For example, you don’t need a Schengen visa for Greece if you are: 

• A citizen of one (or more) of roughly 60 non-EU countries and territories that have signed visa exemption agreements with the EU — such as Australia, Brazil, Canada, Hong Kong, Japan, Mexico, the U.K.,* the U.S., and so on.  
• A national of the Schengen area or one (or more) of the European Union member countries .

* NOTE : If you are a U.K BRP (i.e., biometric residence permit) and/or IRL (i.e., indefinite leave to remain) holder, then whether you need a Schengen visa or not depends on whether the country where you hold citizenship has signed a visa-free travel agreement with the Schengen Area. So consult the UK Government’s Official Website’s Travel to the EU/Schengen section , the Official Website of the EU , and that of your home country — to make sure you have all the latest info.

Who is required to apply for a Schengen visa for Greece?

Meanwhile, you will need a Schengen visa — and, therefore, travel insurance — to go to Greece if you’re a passport holder of China, India, Russia, all of Africa , most of the Middle East , and nearly a hundred other countries. In other words, if your home country has not signed a visa waiver agreement with the EU — you’ll need a visa. 

PRO-TIP: The European Commission provides full lists of both categories of the countries above .  PRO-TIP 2: Meanwhile, AXA can help you figure out whether you need a Schengen visa or not in general too. PRO-TIP 3: And — if you do — which Schengen visa suits your needs best.

I don’t need a Schengen Visa. Do I still need travel insurance?

As far as legalities go, no — travel insurance is not mandatory if you don’t need a visa. However, when traveling abroad, being properly insured is never a bad call. Yes, Greece is generally very safe and tourist-friendly. However, it does have roughly 6,000 islands (only 200 of them inhabited though). Plus all that olive oil, pita, and wine. And ancient ruins and whatnot. 

Moreover, medical costs abroad can often be surprisingly high — especially when it comes to things like prescription drugs. And if you are pregnant and/or have a preexisting medical condition, your general risk factors are obviously higher. 

Not only that, but most official government websites — such as those of the U.K. and Ireland , for example — strongly recommend that you do indeed “ get comprehensive travel insurance that covers all your planned activities including medical repatriation/evacuation, repatriation of remains, and legal costs ” when visiting Greece. 

And, finally — whether you’re going to just lie on an island beach and enjoy some Mediterranean sunshine for a week, or whether you’re hiking, skiing, climbing, scuba diving, and/or exploring the nooks and crannies where modern Western civilization (including travel insurance) began — life can be pretty unpredictable. And the health and safety of you and those around you should, therefore, always be your top priority. 

Having the proper travel insurance is the first (and often most crucial step) in ensuring that health and safety. Not only will it save you time, hassle, and (possibly quite a lot of) money. It will also give you that little bit of extra security and peace of mind while guaranteeing that you are well taken care of — 24/7, wherever in Greece you may be — if something does go wrong.

What does AXA Schengen travel insurance for Greece cover?

There are plenty of benefits to choosing an AXA travel insurance plan for your trip to Greece. Let’s start with the legalities, for example. If you need a Schengen visa for Greece, travel insurance is — again —mandatory. Fortunately, all our plans meet the requirements for being granted a Schengen visa .  These requirements are that your plan : 

• has a minimum coverage of €30,000 (in case of medical care, hospitalization, and/or medical repatriation);
• is accepted by all countries within the Schengen zone (not just Greece); 
• is valid for the entire duration of your trip/stay. 

BONUS : If your Schengen visa for Greece is denied , by the way, AXA’s plans are refundable in most cases . We’ll only ask that you provide the appropriate documentation (i.e., an official explanation as to why your visa was refused) from the relevant embassy, consulate, or visa application center. 

Schengen visa or not, AXA offers three comprehensive plans to choose from — Low-Cost (starting at as little as €22/week), Europe Travel , and Multi-Trip . And along with meeting all the Schengen Visa requirements above, they also offer: 

• Up to €100,000 coverage in medical expenses; 
• Medical repatriation & transport; 
• 24/7 medical assistance in English (or French) in case of urgency; 
• Up to 180 days of coverage; 
• Coverage in all Schengen and most European Union countries, including the U.K. (depending on the chosen plan, that is). 

Furthermore, there are also no age restrictions with AXA. 

Your plan goes into effect on the day of your purchase (so — unlike Greece’s over 100 historical sites — no wait times!). 

Our travel insurance certificate , meanwhile, is accepted by all Schengen consulates and embassies (including the Greek ones) around the world. And it can be instantly downloaded (and/or printed) online too. 

And, finally, if your Schengen visa for Greece is denied, AXA’s plans are refundable in most cases. We’ll only ask that you provide the appropriate documentation (i.e., an official explanation as to why your visa was refused) from the relevant embassy, consulate, or visa application center. 

So learn more about and compare our 3 comprehensive plans today. Because with AXA, you’re not only closer to getting a Schengen Visa if you happen to need one. You and your family are also closer to guaranteeing that your trip to where it all began is both as enjoyable and safe as possible. 

Do you cover emergency medical costs related to COVID-19?

Yes. That is, so long as you haven't traveled against World Health Organization advice, personal medical advice from your doctor, and/or the advice/regulations of any other government body in your home country (or those of Greece itself) —.AXA will cover medical costs related to COVID-19. Emergency and additional travel costs are also covered in this case. 

Moreover, all our electronic certificates (purchased on the AXA-Schengen website ) include the following disclaimer: “Medical fees related to COVID-19 are covered in the terms, conditions & exclusions established in the insurance policy.” This, in turn, will satisfy any embassy rules that state you must get an insurance certificate with COVID protection.

What COVID-19 restrictions does Greece have, by the way?

COVID-19 restrictions in Greece (and the rest of the EU) remain lifted. In other words, there weren’t any as of early 2024. Still — since life can be pretty unpredictable, as recent years have shown — there is a chance that this too might change at any time. And that’s just one more sure reason to opt for one of our comprehensive plans. 

PRO-TIP 4: In any case, AXA recommends you stay up-to-date regarding COVID-19 in Greece via the World Health Organization , the official website of the EU , and Greece’s official Ministry of Migration and Asylum website .

What should I do if I am injured or ill while in Greece?

If something does go wrong while you’re enjoying Greece — AXA is here for you. In case of a medical emergency, you should contact one of our call centers — the number of which will be provided with your insurance policy. Via said number, medical assistance professionals will answer your questions and advise you — day and night, 24/7, wherever you are. They’ll also help you find a medical center best suited to your situation (and closest to you). 

IMPORTANT : When contacting the AXA 24/7 call center, you’ll be asked to provide the following: 

• The number of your policy (which begins with “SCH”); 
• The address and telephone number at which you can be reached (as well as the details of any people that can be contacted locally); 
• Your dossier number (communicated at the time of the first call). 

PRO-TIP 5: Always keep all bills/invoices related to medical costs and enclose them with your file. Keep your phone charged too. And stay calm — we got your back!

List of Emergency Numbers in Greece

And here’s a list of emergency numbers to keep on hand when in Greece. 

• General Emergency: 112 
• Ambulance: 166 
• Fire Department: 199 
• Police: 100 
• Anti-drug Police: 109 
• Coast Guard: 108 
• Tourist Police: 171 
• Pharmacies: 107
• Hospitals: 106 
• Forest Fire Authority: 191 
• Traffic Police: 10400 
• Weather service: 148 
• International Phone Assistance: 139 
• General Telephone Information: 11888

What else should I know when preparing for my Greece trip?

And here’s some more basic helpful info to ensure your trip to the Hellenic Republic is both safe and enjoyable.  Security  Generally speaking, Greece is a safe country. However, petty crime is not uncommon. Pickpockets and thieves often target crowded and/or popular tourist areas — with central Athens being a particularly hot spot. Violent crime is rare, but it does occur in more desolate and/or isolated areas. 

It’s no secret that Greece is also a common destination for young adults to let loose. Some holiday resorts and other destinations frequented by young partygoers, therefore, can see their fair share of illegal behavior too (more often than not due to excessive drinking). So stay alert, and call the police if something feels off. And speaking of drinking — be aware that drinks served in bars in island resorts can be stronger than you expect. 

In other words — no matter the nature of your trip — be diligent, stay cautious, and use common sense. And maybe carry a photocopy of your passport (just in case), leave valuables in a safe place (such as the safe at your hotel or Airbnb), and always have your phone (and charger) with you — along with the emergency numbers above — at all times. 

Public transport  Major Greek cities — including on the islands — are connected by an intricate bus network known as KTEL . These are generally reliable and relatively easy to navigate. 

The Hellenic Train system is also a wonderful way to explore Greece. The Athens-Thessaloniki line, for example, is a particularly scenic 4.5-hr high-speed train ride that covers most of the country’s east coast. 

Meanwhile, to get from Athens to the islands — the ferry is your best bet (with three major companies mainly running the show). 

Driving license  If you plan to drive, most countries’ licenses are valid in Greece. However, if your home state does not fall under the Vienna Convention , you'll need to apply for/hold a valid international driving permit (i.e., IDP) to drive here legally. And your IDP must be accompanied by your current national driving license. 

Opening hours  Stores and shops are usually open from around 9.00 am — but many tend to close around 1.30 or 2.00 pm. Most are also closed on Sundays and holidays, especially in the more remote parts. 

And the same often goes for restaurants. However, because the Greeks tend to eat late, restaurants often stay open until around midnight. Traditionally, dinner is served at around 8-9 pm (i.e., the busiest time for restaurants). 

And — as with all major tourist destinations — the closer to the epicenter you are (i.e., central Athens, for example), the more options you have. And that includes opening hours. 

RELATED ARTICLES: 

• How to choose the best Schengen travel insurance 
• How safe is it to travel to Europe? 
• Travel in Europe: 5 Key Changes in 2024 
• How to apply for a Schengen Visa 
• How to apply for a Schengen Visa for Greece 
• How to track your Schengen visa application

Is Greece part of the EU?

Yes, Greece is both one of the members of the Schengen Zone and one of the members of the European Union.  PRO-TIP 6: It’s also a member of the Eurozone — which means its currency is the Euro.

Are the Schengen Zone and the European Union the same thing?

No. Although the EU and the Schengen area have many countries in common (located mostly within Europe), these are not all the same countries — and these two entities are not the same thing. AXA can explain (if you’re curious and as confused as we once were, that is).

How much does a Schengen visa for Greece cost*?

The cost of a Schengen visa is universal. A Schengen visa for Greece, therefore, traditionally costs 80€ for adults, 40€ for children between the ages of 6 and 12, and is free for children under 6yo. 

*PRO-TIP 7 (and heads-up): However, the European Commission was considering upping these prices by about 5-10€ in 2024 — so stay tuned to the official channels .

Can I apply for a Schengen Visa online?

Not yet. Although the European Union does plan to fully digitize the process soon. And AXA can tell you all about that too .

Can I travel to other European countries with a Greek visa?

Yes. With your Greek Schengen visa, you should be able to visit other European countries — in most cases — as long as they are part of the Schengen area.

Can my Greek visa be extended?

Yes, but only in exceptional cases. AXA can also tell you more about extending your visa if you like.

Can I work or study in Greece with a tourist visa?

No. The tourist (or TypeC) allows visitors to enter Greece for a short business trip, a holiday, or to visit family members. However, it cannot be converted into a work or study permit ( AXA can tell you more about that as well ).

Do I need / EES/ ETIAS for Greece in 2024?

Not yet. The European Union’s new travel authorization systems — EES and ETIAS — are only set to go into effect in late 2024 and mid-2025, respectively (and in theory).

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For your holidays in Greece and abroad

Travel insurance for greece.

Greece, birthplace of democracy and the cradle of Western civilization, offers a glimpse of ancient history, breathtaking landscapes, and vibrant modernity. Its iconic whitewashed buildings against azure seas, ancient ruins like the Acropolis, and sun-drenched islands like Santorini beckon travelers worldwide. The warmth of its people, delectable cuisine, and a blend of ancient traditions with a lively contemporary lifestyle create an enchanting and unforgettable Mediterranean experience. In this guide, will discuss why having reliable travel insurance in hand can be a savvy move. From coverage against unforeseen trip cancellations to having assistance in case of medical emergencies, travel insurance offers you coverage while visiting Greece's ancient marvels and scenic beauty.

• What should your Travel insurance cover for a trip to Greece? 
• How does Travel Insurance work in the Greece?
• Do I need Travel Insurance for Greece? 
• How much does Travel Insurance cost for Greece? 
• Our Suggested AXA Travel Protection Plan

What types of medical coverage does AXA Travel Protection plans offer?

Are there any covid-19 restrictions for travelers to greece, traveling with pre-existing medical conditions , what should your travel insurance cover for a trip to greece.

At a minimum, your travel insurance should cover trip cancellation, trip interruption and emergency medical expenses. When it comes to international travel, the US Department of State outlines key components that should be included in your travel insurance coverage.  AXA Travel Protection plans are designed with these minimum recommended coverages in mind. 

• Medical Coverage   – The top priority is making sure your health is in order. With AXA Travel Protection, you can have access to quality healthcare during your trip overseas in the event of unexpected medical emergencies.    
• Trip Cancellation & Interruptions  – Assistance against unexpected trip disruptions can dampen the mood, AXA Travel Protection offers coverage against unforeseen events.   
• Emergency Evacuations and Repatriation   – In situations where transportation is dire, AXA Travel Protection offers provisions for emergency evacuation and repatriation.   
• Coverage for Personal Belongings  – AXA offers coverage for your belongings with assistance against lost or delayed baggage.   
• Optional Cancel for Any Reason  – For added flexibility, AXA offers optional Cancel for Any Reason coverage, allowing you to cancel your trip for non-traditional reasons.  Exclusive to Platinum Plan holders. 

In just a few seconds, you can get a free quote and purchase the best travel insurance for Greece.

How Does Travel Insurance Work in the Greece?

Picture this: you are sampling a local delicacy in Santorini and you suddenly start feeling queasy. With travel insurance, your policy can offer you support and assistance for covered incidents like sudden illnesses or injuries, including helping you get medical treatment at the nearest hospital. Here’s how travelers can benefit from an AXA Travel Protection Plan:

Medical Benefits: 

• Emergency Medical Expenses: Should you fall ill or have an accident during your trip, your policy may offer coverage for medical expenses, including hospital stays and doctor's fees. 
• Emergency Evacuation & Repatriation: In case of a serious medical emergency, your policy may include provisions for evacuation to the nearest appropriate medical facility or repatriation. 
• Non-Emergency Evacuation & Repatriation : In non-medical crises (e.g., political unrest), your policy may cover evacuation or repatriation, subject to policy terms. 

Pre-Departure Travel Benefits: 

• Trip Cancellation: You may be eligible for reimbursement if you cancel your trip due to a sudden illness or injury. 
• COVID-19 Travel Insurance: Coverage is available for trip cancellation and medical expenses related to COVID-19, subject to policy terms and conditions. 
• Trip Delay: If your flight faces delays due to unforeseen circumstances, you may have coverage for additional expenses such as meals and accommodations. 

Post-Departure Travel Benefits

• Trip Interruption: In case of an unexpected event, you could be eligible for reimbursement for the unused portion of your trip.
• Missed Connection: If you miss a connecting flight due to delays or cancellations, this coverage may help with expenses like rebooking fees and accommodations.

Baggage Benefits: 

• Luggage Delay: If the airline delays your checked baggage, your policy might offer reimbursement for essential items like clothing and toiletries. 
• Lost or Stolen Luggage: In the unfortunate event of permanent loss or theft of your luggage, your policy may offer reimbursement for its value, assisting you in replacing your belongings. 

Additional Optional Travel Benefits 

• Rental Car (Collision Damage Waiver): Exclusive to Gold & Platinum plan policy holders, this optional benefit gives travelers extra coverage on their rental car against damage and theft. 
• Cancel for Any Reason: Exclusive to Platinum plan policy holders; this optional benefit gives travelers more flexibility to cancel their trip for any reason outside of their standard policy. 
• Loss Skier Days: Exclusive to Platinum plan policy holders, this optional benefit offers reimbursement to mitigate some costs associated with pre-paid ski tickets that you or your traveling companion cannot use due to specified slope closures. 
• Loss Golf Days: Exclusive to Platinum plan policy holders, this optional benefit offers reimbursement to mitigate the expenses linked to prepaid golf arrangements that you or your travel companion are unable to utilize due to specified golf closures. 

Do I Need Travel Insurance for Greece?

Travel insurance is not mandatory for Greece, but it's highly advisable. It offers essential coverage for unforeseen incidents like medical emergencies or trip disruptions, offering assistance away from home. Why? There are several reasons:  

Medical Emergencies: Your health is a top priority. If you face a sudden illness or injury in Greece, travel insurance offers the means to receive prompt and quality medical care.

Lost Baggage: Baggage mishandling by airlines can leave you stranded without essentials. Travel insurance covers the replacement cost of necessary items, helping you proceed with your journey smoothly.

Trip Cancellation Protection: Trip cancellation protection ensures coverage for canceling a pre-booked trip due to unforeseen circumstances. It covers expenses in eligible situations like illness or adverse weather conditions.

How Much Does Travel Insurance Cost for Greece?

In general, travel insurance costs about 3 – 10% of your total prepaid and non-refundable trip expenses. The cost of travel insurance depends on two factors for AXA Travel Protection plans:   

• Total Trip cost:  The total non-prepaid and non-refundable costs you have already paid for your upcoming trip. This includes prepaid excursions, plane tickets, cruise costs, etc. 
• Age:  Like any other insurance type, the correlation is rooted in increased health risks associated with older individuals. It's important to note that this doesn't make travel insurance unattainable for older individuals.   

With AXA Travel Protection, travelers to Greece will be offered three tiers of insurance:  Silver,   Gold  and  Platinum . Each provides varying levels of coverage to cater to individual's preferences and travel needs. 

Our Suggested AXA Travel Protection Plan 

AXA presents travelers with three travel plans – the  Silver Plan ,  Gold Plan , and  Platinum Plan , each offering different levels of coverage to suit individual needs. Given that Greece hospitals often do not accept U.S. health insurance or Medicare, we genuinely recommend travelers to consider purchasing any of these plans, particularly for the crucial coverage they offer for emergency accident and sickness medical expenses. For sports enthusiasts visiting Greece, the Platinum Plan offers added advantages as it offers benefits like sports equipment rental coverage of up to $1000. This benefit offers reimbursement for the cost of renting sports equipment if the gear you've brought becomes lost, stolen, damaged, or delayed during your trip.

Emergency Medical: Can cover medical expenses, hospital stays, and even emergency evacuations, covering the expenses of hefty bills and ensuring access to quality healthcare while away from home.

Emergency Evacuation and Repatriation: Can cover your immediate transportation home in the event of an accidental injury or illness.

Non-Medical Emergency Evacuation and Repatriation: Offers assistance in unexpected situations such as political unrest or natural disasters, ensuring safe and timely relocation to a secure location or repatriation back home.

Greece has lifted all COVID-19 entry regulations, allowing unrestricted entry for all travelers. This decision to remove entry rules was announced on April 29th, 2022 by the Greek authorities.

Traveling with preexisting medical conditions can complicate your plans, but with AXA Travel Protection, we're here to support you during your trip. Our Gold and Platinum  plans offer coverage for pre-existing medical conditions.  The Platinum plan, in particular, is our highest-offered choice for travelers who want our highest coverage limits and optional add-ons,   

What does this mean for you? If you've got a medical condition that's been hanging around, you can qualify for coverage under our Gold and Platinum plans with a pre-existing medical condition , so long as it’s within 14 days of placing your initial trip deposit and in our 60-day look-back period. We're here to ensure you travel easily, no matter your health situation. 

1.Can you buy travel insurance after booking a flight?

You can buy travel insurance even after your flight is booked.

2.When should I buy Travel Insurance to Greece

It's advisable to purchase travel insurance for your trip as soon as you have made your initial trip deposit (prepaid and non-refundable trip costs.) AXA Travel Protection offers coverage as soon as you purchase your protection plan. We can give coverage against unforeseen events before you leave for your trip. Additionally, our policies offer coverage for preexisting medical conditions and Cancel for Any Reason if you purchase your protection within 14-days of making your initial trip deposit.

3.Do Americans need travel insurance in Greece?

Travel insurance isn't obligatory for Americans in Greece, but it's highly recommended.

4.What is needed to visit Greece from the USA?

If traveling from the USA to Greece, you only require a valid passport. Make sure your passport has a validity for at least six months beyond your arrival date in Greece.

5.What happens if a tourist gets sick in Greece?

If you become sick in Greece, travelers with AXA Travel protection can contact the AXA Assistance hotline 855-327-1442 . Contact information is typically provided within the insurance documentation. Please ensure to read through your policy details and information.

Disclaimer: It is important to note that Destination articles are for editorial purposes only and are not intended to replace the advice of a qualified professional. Specifics of travel coverage for your destination will depend on the plan selected, the date of purchase, and the state of residency. Customers are advised to carefully review the terms and conditions of their policy. Contact AXA Travel Insurance if you have any questions.  AXA Assistance USA, Inc.© 2023 All Rights Reserved.  

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Travel Insurance for a Greece Vacation (2024)

Travel insurance for a Greece vacation can protect against emergency medical costs, reimburse you for cancellations and protect you from other unexpected issues.

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Alex Carver is a writer and researcher based in Charlotte, N.C. A contributor to major news websites such as Automoblog and USA Today, she’s written content in sectors such as insurance, warranties, shipping, real estate and more.

Sabrina Lopez is a senior editor with over seven years of experience writing and editing digital content with a particular focus on home services, home products and personal finance. When she’s not working, Sabrina enjoys creative writing and spending time with her family and their two parrots.

Greece is one of Europe’s most well-known and beloved travel destinations. Cities like Thessaloniki and Athens have historic attractions, such as the Acropolis. Meanwhile, Greek islands like Santorini, Corfu and Mykonos boast some of the Mediterranean’s best beaches and liveliest party scenes.

The diverse list of attractions brings tourists from all over the world. More than 29 million visited in 2022, with many combining their Greece trip with stops in Italy, Croatia and other Mediterranean hotspots.

The U.S. State Department calls Greece a relatively safe destination. However, the travel industry is unregulated, making it challenging to choose reputable operators. Also, general labor strikes and demonstrations, earthquakes and petty theft can derail your travel schedule.

Comprehensive travel insurance plans can reimburse you for delays or cancellations so that you can return to your itinerary after experiencing problems.

Here is what you need to know to stay safe in Greece and select the best travel insurance for your needs.

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Do I Need Travel Insurance for Greece?

Greece does not require travel insurance for tourists from the U.S. Because it is part of the Schengen area , visitors can stay for 90 days without pre-arranging a visa or meeting other conditions.

Even though it is not a legal requirement, tourists need travel insurance to avoid paying for emergency healthcare in Greece and if they wish to receive reimbursement for interruptions, cancellations, lost baggage or other travel problems that could ruin their trip.

Trip cancellation insurance offers protection before you arrive in Greece. Labor strikes are very common at European airlines and airports. Workers often choose the busiest travel season in the hope that it will increase their employers’ willingness to bargain. Cancellation and interruption coverage provides compensation for such delays so that you don’t have to pay out of pocket.

Finally, international travel is expensive. If you buy travel insurance, you can avoid sunken costs by getting reimbursement for the pre-booked portions of your vacation if you become ill or injured and are unable to travel.

Here are five coverage types you could include on your travel insurance policy.

Cancel for Any Reason Coverage

Standard trip insurance allows you to cancel your plans and receive reimbursement for the trip cost. However, to receive compensation, the cancellation must be due to unpredictable circumstances beyond your control.

Standard travel insurance plans have exclusions, which are unacceptable reasons for cancellation. The insurance company will not reimburse you if you cancel because of an appointment or event, a change in relationship status or financial problems.

Cancel for any reason (CFAR) insurance does not require you to prove the reason for the cancellation. CFAR coverage may increase premium costs, but the higher fee could be worthwhile if you book your trip far in advance and wish to protect against scheduling conflicts or other issues.

Gear Theft Protection

Gear theft protection covers valuables like phones, cameras, computers and other tech devices. It may also be useful for insuring equipment, such as diving gear, that you use in Greece.

Even though robbery is relatively rare in Greece, bag snatching is commonplace, and pickpockets often target phones or other small tech devices. These petty crimes make gear theft protection a good idea.

Comprehensive travel plans often include thefts. However, you need to check the limits of the policy. Some insurance providers only cover gear up to $1,000 (or even less). This amount won’t pay for the replacement of expensive devices. Insurers may offer stand-alone policies or add-ons to provide additional gear coverage.

Medical Emergency Insurance and Emergency Medical Evacuation

Medical emergency insurance is essential for travel in Greece. According to the State Department , private hospitals in the country will not admit patients without health insurance. Public hospitals will offer care but require cash payments before discharge.

Since most U.S. insurers, including Medicare, do not cover overseas treatments, even in an emergency, travel health insurance is necessary. It is the only option for most travelers to get medical care without paying out of pocket.

In addition to protecting you from high medical bills, policies often include evacuation insurance coverage. This type of travel medical insurance pays for transport to the U.S. if you need long-term care or procedures unavailable in Greece. It will also pay for repatriation if you pass away during your vacation.

Medical coverage is available in single-trip policies or as an annual or multi-trip package. All insurance covers necessary treatments for illnesses or injuries, but it may exclude certain pre-existing medical conditions. If you have pre-existing conditions , you should check the policy details and confirm coverage before departing.

Rental Car Protection

Car rental agencies in Greece usually require collision damage waiver (CDW) coverage. This policy pays for damage and often comes in two varieties: a cheaper version that requires you to pay a portion of repair costs and a more expensive variety that covers all damage.

You have several options for additional coverage.

• A credit card may offer auto insurance for rental cars if you use it to pay for the rental.
• Stand-alone auto insurance could be useful if you plan to drive extensively in Greece.
• A comprehensive travel insurance plan could include auto coverage, or the insurer may offer it as an add-on.

You should only rent from reputable agencies and use insurance when renting a vehicle in Greece.

Trip Cancellation Insurance

Trip cancellation insurance covers the cost of your Greece trip if it gets canceled due to unexpected circumstances.

Common reasons for cancellation can include the following:

• Selection for jury duty
• A subpoena to appear in court
• Military deployment
• A verifiable illness that you do not recover from before your departure date
• An injury that keeps you from traveling
• The death of a close family member
• A natural disaster or unexpected conflict in your destination
• Other duties you are legally required to complete

These policies do not cover cancellations due to social engagements, weddings or other events you are not legally obligated to attend.

Many cancellation policies also include trip interruption insurance. This coverage is for delays and cancellations after you depart from your home. It will pay for the costs incurred during delays from airport labor strikes, canceled flights or natural disasters.

Even if you feel the chance of cancellations is small, this policy can give you peace of mind knowing you won’t lose your travel investment if the worst happens.

How Much Does Greece Travel Insurance Cost?

The cost of travel insurance cover varies depending on several factors:

• The coverage you already have through a credit card or other insurance policy
• The length of your stay
• Your itinerary and planned activities
• The value of the gear you bring
• The level of medical assistance you need if you become ill or get injured
• Your home state

For some travelers, a cheap travel insurance policy provides sufficient protection. Comprehensive standard policies are often the most convenient option for the average traveler because they provide all the necessary components.

We requested quotes from ten travel insurance companies for their most affordable plan for a trip to Greece. The below quotes are for a 30-year-old traveler from Florida, traveling to Greece for ten days in September 2024, with a total trip cost of $4,000. Policies include coverage for cancellations, interruptions, delays, medical care and evacuation.

These quotes were collected in April 2024 for a trip in September 2024.

You can learn more about the costs of travel insurance here: How Much Is Travel Insurance?

How Do I Get Travel Insurance for Greece?

The first step in getting travel insurance for Greece is to define your insurance needs. You may already have some coverage. Ask yourself the following questions:

• Does your credit card offer cancellation coverage for airfares or hotel reservations?
• Does your credit card provide rental car insurance if you use it to pay for your vehicle?
• Will your health insurance work overseas?
• Does the airline offer cancellation insurance or have a policy that lets you cancel your flight for specific reasons?

These questions will help you decide how much coverage you need and the type of policy that best fits your travel plans.

You should always read the disclaimer text and check the fine print to ensure the policy will work in the chosen destination, cover any pre-existing conditions, and apply to the activities you have planned.

Greece Safety Tips

The State Department currently has a Level 1 travel advisory for Greece. Level 1 countries are safe to visit as long as you exercise normal precautions.

Here are the safety steps you should consider when traveling in Greece.

Crime and Safety

Violent crime is relatively rare. However, State Department advice mentions pickpockets and bag-snatchers, who work in crowded areas, such as tourist sites, trains and ferries. It also warns about thieves spiking drinks or targeting intoxicated tourists.

You can avoid these issues by leaving valuables at the hotel, hiding euro notes in a zippered pocket or money belt and never overindulging in alcohol in public settings.

Day Trips, Tours and Excursions

The tourism industry in Greece is not as heavily regulated as some other destinations in Europe. If you take day trips or tours, you should seek reputable operators who are well-reviewed online, recommended by trusted fellow tourists or connected by Greek guides and operators who provided you with good service in the past.

If you engage in adventure activities on land or in the water, you should always ensure you do not encounter challenges that exceed your skill level.

According to the U.S. Embassy in Athens, Greece has lifted all coronavirus-related restrictions. Masks are no longer required in public places, with the exception of healthcare facilities. You and anyone accompanying you will need to take a COVID-19 test when entering a hospital.

The Bottom Line: Is Travel Insurance for a Greece Vacation Worth It?

Because of the danger of disruptions due to labor strikes, earthquakes or airline cancellations, trip insurance is almost always a good investment when traveling to Greece. A comprehensive plan can also provide medical coverage and pay for evacuation by air if necessary.

Even if you do not have to make a claim, travel insurance will give you peace of mind and allow you to enjoy your trip instead of worrying about medical costs or interruptions.

Frequently Asked Questions About Travel Insurance in Greece

How do i claim compensation for cancellations in greece.

Greece follows EU aviation rules . You are entitled to compensation or rebooking if your flight is canceled. If it is delayed for more than three hours, the airline needs to cover the cost of accommodations, food and any other reasonable expenses.

You get compensation from airlines in the U.S. under similar circumstances. However, rebooking on a different flight could affect hotel reservations and other parts of your trip.

Is travel insurance necessary in Greece?

Greek authorities do not require travel insurance, but without it, you may have to pay medical costs, and you will not be reimbursed for cancellations or expenses incurred during trip interruptions.

How much does travel insurance for Greece cost?

Costs vary depending on your coverage needs. Standard comprehensive policies are between $84.21 and $117 for a two-week trip in August 2023.

Can I buy travel insurance the day before my trip?

You can buy travel insurance the day before your trip. However, it may not cover cancellations if the cause of the cancellation originated before you purchased the policy.

Many insurers also allow you to buy a policy while you are traveling, but they require a three-day waiting period before the coverage begins.

If you have feedback or questions about this article, please email the MarketWatch Guides team at  editors@marketwatchguides. com .

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Greece Travel Insurance – Health Insurance Guide for Visitors & Tourists Traveling to Greece

Greece travel insurance is important because it covers the costs of medical bills, prescription medication, hospitalization, and even emergency evacuation back home if something happens to you while travelling.

Naturally, if you are planning a trip to Greece, you are sooner thinking about how you will see the ancient monuments, temples, and beaches than a trip to the hospital. But, it is always best to be prepared. After all, when travelling abroad, especially to sunny places like Greece, the chances of falling ill increase – the heat, the fatigue from walking around exploring, and even the change in climate (if travelling overseas) can lower your immune system and make you more susceptible to illness. And, of course, accidents can happen anywhere.

So, think ahead and purchase a good travel insurance policy for Greece!

Do I Need Travel Insurance to Visit Greece?

Whether you need travel insurance for Greece depends on your nationality:

• Non-EU citizens who need a visa to visit Greece must also have valid travel insurance, which is a vital part of the visa application.
• Non-EU citizens who do not need a visa for Greece do not technically need travel insurance. However, everyone travelling abroad (including to Greece) is highly advised to purchase travel health insurance – at the very least, for the peace of mind.
• EU citizens have health insurance coverage in Greece through the European Health Insurance Card (EHIC ). The EHIC grants the same medical care rights as Greek citizens in all public hospitals – not private.

Where Can I Buy Travel Health Insurance for Greece?

You can buy medical travel insurance protection for Greece at a very low cost directly from Europ Assistance .

Greece Travel Insurance Requirements

The main requirements when purchasing travel insurance for Greece are:

• Your insurance policy must cover a minimum of €30,000 for medical and repatriation expenses.
• Your insurance policy must be valid for the entire duration of your trip.
• In addition to Greece, your travel insurance policy must also be valid in all the Schengen countries.

Do you want to make sure you are selecting the best insurance policy?

We recommend buying travel insurance through experienced companies like Europ Assistance or MondialCare . Their policies are tested and true to be accepted at all Greek embassies abroad, and they are professional and trustworthy. Additionally, if your Greek visa is rejected, your policy will be cancelled free of charge.

What Does Travel Insurance for Greece Cover?

Most travel insurance policies for Greece offer coverage for at least the following:

• Medical treatment for accidents and illness. If you have an accident, get food poisoning, or fall ill, your travel insurance policy should adequately cover the cost of hospitalization, medical treatment, and any prescription medication.
• Evacuation and repatriation. You must have coverage if you need to be evacuated for medical treatment. Additionally, in the unlikely event that you pass away, you must have coverage for the repatriation of remains.

In addition to travel health insurance, many companies also offer insurance for trip and flight-related disturbances, such as:

• Trip interruption. If your trip to Greece is cut short due to situations out of your control, your insurance company will cover any costs related to any missed or unused reservations.
• Delayed or missed flight. If you miss your flight, your travel insurance provider will reimburse all or part of your ticket cost. Additionally, delayed flight coverage reimburses you for any costs incurred due to a prolonged delay – meals, accommodation, etc.
• Lost or stolen baggage. Many insurance providers will reimburse for possessions if your baggage is stolen or lost. However, you will have to provide receipts for all lost items, and there is a cap on how much the insurance company will cover. Luxury or hi-tech items are not covered.
• Personal liability. This type of coverage covers financial loss in case you cause damage to someone’s property or person while you are in Greece.

Where Do I Buy Travel Insurance for Greece?

The easiest way to purchase a travel insurance policy for your trip to Greece is online. Companies like Europ Assistance and MondialCare offer great insurance policies at very affordable prices.

In addition, their policies offer coverage in Greece and the entire Schengen Area and meet all the Greek Schengen visa application requirements .

When Should I Purchase Travel Insurance for Greece

You should purchase travel insurance as soon as you book your trip to Greece. The latest you are advised to buy travel insurance is fifteen days before your trip.

This is especially true if you include trip/flight interruption in your policy. That way, if you make any additional reservations, the insurance company will also cover those under your policy.

How Much Does Greece Travel Insurance Cost?

The cost of your Greece travel insurance policy depends on the duration of your trip and how much coverage you need. For example, travel insurance for a one-week trip to Greece can be as low as €20 per person, but it could also be €50 or more . The number of people included in your policy, the coverage, and the duration of your trip increase the cost of travel insurance.

How Does Travel Insurance for Greece Work?

Travel insurance is intended to cover the costs of medical care abroad. So, let’s say, for example, while you are in Greece, you fall down and hurt your leg. You will have to go to the hospital, have it examined by a doctor, and perhaps get an x-ray and pain-relievers. And instead of having to pay for these expenses out-of-pocket, the insurance company will cover them.

There are two ways travel insurance companies will cover your medical costs:

• Directly . In direct billing, your hospital or clinic sends the bill directly to your insurer, and they pay.
• Reimbursement . In this case, you have to pay the bill when you receive medical treatment and then send the invoice and any receipts to your insurer. They will then reimburse you depending on the conditions of the policy.

Typically, you will have a document that states the conditions of your policy and which you must present when you seek medical treatment abroad.

Which Nationals Are Required to Purchase Travel Insurance When Visiting Greece?

• Required to Purchase Travel Insurance for Greece
• Not Required to Purchase Travel Insurance for Greece

Do UK Citizens Need Travel Insurance to Visit Greece?

UK citizens do not need to purchase travel insurance to visit Greece. You can get healthcare in Greece through the Global Health Insurance Card (GHIC) , which gives you access to public healthcare in the same manner as Greek citizens. However, the GHIC does not cover trip cancellation, flight delay, etc., or evacuation/repatriation. It is also not valid for treatment in private hospitals.

So, depending on the type and amount of coverage you want, you may also consider obtaining travel insurance .

Greece Travel Insurance for Retirees

If you are a retiree, travel insurance is often more expensive. That is because the price of travel insurance increases with age. It is also quite difficult to find a good insurance policy if you are retired. Some of the best and most reputable travel insurance companies offering travel insurance plans for pensioners travelling to Greece are MondialCare , and  DR-WALTER .

Where to Get Medical Treatment in Greece

Tourists can receive medical treatment in private or public healthcare institutions in Greece. For example, EU citizens using the EHIC and British citizens using the GHIC can receive medical treatment for free or at very low costs in Greek public hospitals. Non-EU nationals, on the other hand, may also seek medical assistance from public providers, but they may be subject to higher fees than Greek, EU, or British nationals. This is why non-EU tourists in Greece are advised to have travel health insurance.

If you have travel insurance, you can seek medical attention in private clinics and hospitals in Greece. This may be a better option for tourists since private medical providers are more likely to speak English, and there will be fewer waiting times.

After you receive medical treatment in Greece, you should keep all your receipts and prescriptions to get reimbursed for your medical fees.

In emergency cases, you should dial 166 (the Greek emergency number) or 112 (the general European emergency number).

Is Greece Safe to Visit?

Yes, Greece is a relatively safe place to visit. The risk of serious crime or natural disasters occurring during your trip is low. Of course, as a tourist, you should always exercise precautions: be aware of pickpockets or petty theft and keep your belongings close to you, especially while you are in crowded tourist areas.

Additionally, if you are a woman travelling alone, you should avoid certain “sketchy” areas.

However, this is the case in most popular tourist destinations, so Greece is not particularly dangerous.

What to Keep in Mind When Traveling to Greece?

Here are some of the things to keep in mind when travelling to Greece:

• Avoid the peak season. July and August are peak tourism seasons in most destinations. During these months, the temperatures are hotter, and prices are much higher. Not to mention, there will be bigger crowds at all tourist attractions. So, if you can, book your holiday during the off-season – in spring or early fall. But, remember that booking off-season sometimes means that you can miss festivals or other events.
• Keep hydrated. If you’re walking around in hot sunny weather all day, drink water to avoid dehydration (and a subsequent visit to the hospital).
• Bring SPF and mosquito repellent. Sunny weather equals sunburns and mosquito bites. While the latter is just annoying, sunburns may even require a trip to the hospital – so be prepared.
• Greece is not very disability-friendly. Many of the tourist attractions in Greece are not disability-friendly locations. For example, there are steep paths, stairs, etc., so make sure you look up the sites and make adequate hotel reservations ahead of time.
• You should carry cash. Although many restaurants and stores do accept credit cards, it is still recommended to carry around cash as that’s still widely recommended, especially if you will be shopping in small markets.
• Learn a few words in Greek. Learning the local language goes a long way, so learn some words and phrases in Greek, like greetings, saying thank you and please , and other common expressions.

More Europe Travel Insurance Guides

France Travel Insurance Guide , Spain Travel Insurance Guide , Germany Travel Insurance Guide , Italy Travel Insurance Guide , Switzerland Travel Insurance Guide , Europ Assistance.

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• Passports, travel and living abroad
• Travel abroad
• Foreign travel advice

Before you travel check that:

• your destination can provide the healthcare you may need
• you have appropriate travel insurance for local treatment or unexpected medical evacuation

This is particularly important if you have a health condition or are pregnant.

Emergency medical number

Dial 112 or 166 and ask for an ambulance.

Contact your insurance or medical assistance company promptly if you’re referred to a medical facility for treatment.

For more information read guidance on healthcare when travelling in Europe .

Vaccinations and health risks

At least 8 weeks before your trip check:

• the latest information on health risks and what vaccinations you need for Greece on TravelHealthPro (from the UK’s National Travel Health Network and Centre)
• where to get vaccines and whether you have to pay on the NHS travel vaccinations page

The legal status and regulation of some medicines prescribed or bought in the UK can be different in other countries.

TravelHealthPro explains best practice when travelling with medicines .

The NHS has information on whether you can take your medicine abroad .

While pharmacies across the country stock a good supply of medicines, you should make sure you have sufficient medical supplies (including prescription medicines) for the duration of your stay and any unforeseen delays, adequate travel insurance and accessible funds to cover the cost of any medical treatment and repatriation.

Prescription medicine for uninsured individuals are only dispensed from pharmacies at hospitals or those pharmacies registered with the National Organisations for the Provision of Health Services (EOPYY).

Travelling into Greece with medication

Medication can be brought into Greece if you hold a letter from your doctor stating the quantity required during your stay as well as a copy of your prescription. Ensure that medication is packed in the original container with the full prescription printed on the container, the name on the prescription must match the name on your passport.

If you need to take controlled medicines in Greece, contact the dispensing agency via email .

For more information, contact the Greek National Organization of Medicines:

By telephone: 0030 213 2040 395 / 285 / 225 / 000

By email: [email protected] / [email protected]

Healthcare facilities in Greece

Treatment and facilities are generally good on the mainland, but may be limited on the islands. The standards of nursing and after care, particularly in the public health sector is not to the standard expected in the UK. The public ambulance service is basic. There are serious shortages of ambulances on some islands.

If you are uninsured, you may not be able to get medical treatment or diagnostic tests from private doctors in Greece, only from public hospitals and primary healthcare centres.

You can view a list of English speaking doctors in Greece.

COVID-19 healthcare in Greece

Wearing a mask.

It is mandatory to wear a mask in all healthcare and social care facilities (e.g. hospitals, clinics, health centres and care homes).

Health insurance cards

Apply for a free UK Global Health Insurance Card (GHIC) or European Health Insurance Card (EHIC) before leaving the UK. If you already have an EHIC, it will still be valid as long as it remains in date.

The GHIC or EHIC entitles you to state-provided medical treatment necessary during your trip. Any treatment provided is on the same terms as Greek nationals. If you do not have your EHIC with you or you’ve lost it, contact the NHS Overseas Healthcare Team .

It’s important to take out appropriate travel insurance for your needs. A GHIC or EHIC is not an alternative to travel insurance and you should have both before you travel. An EHIC or GHIC does not cover all health-related costs, for example, medical repatriation, ongoing medical treatment and non-urgent treatment. Read more about what your travel insurance should cover .

EHIC and GHIC cover state healthcare only, not private treatment. You will be responsible for the cost of any treatment provided by a private doctor or private clinic.

Travel and mental health

Read FCDO guidance on travel and mental health . There is also guidance on TravelHealthPro .

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Travel Erudition

Do i need travel insurance for greece?

If you’re planning a trip to Greece, you may be wondering if you need travel insurance. The answer may surprise you – while Greece is a relatively safe country, there are still some risks that come with any international travel. From lost luggage to medical emergencies, travel insurance can give you the peace of mind to truly enjoy your trip.

There is no simple answer to this question as it depends on a variety of factors such as the type of trip you are taking, your personal health and safety needs, and the specific coverage options that are available. However, in general, it is always a good idea to have some form of travel insurance when traveling to any foreign country, and Greece is no exception.

Is travel insurance mandatory for Greece?

There is no requirement to have travel insurance for Greece, but it is strongly recommended. Travel insurance can provide financial protection in the event of an unexpected event, such as medical assistance, lost luggage, or cancellation of your trip. A good policy will give you peace of mind while you’re away from home.

When travelling to Greece, it is important to make sure that you have adequate travel insurance in place. Your insurance policy should cover a minimum of €30,000 for medical and repatriation expenses. Additionally, your policy should be valid for the entire duration of your trip. Greece is a member of the Schengen Area, so your travel insurance policy must also be valid in all other Schengen countries.

Do you need COVID insurance to travel to Greece

When traveling to Greece, it is important to obtain travel insurance that includes coverage for medical care and/or extension of stay in the event you test positive for COVID-19. This will ensure that you are able to receive the treatment you need and/or extend your stay if necessary.

The Greek Healthcare System is called ESY, and it provides free healthcare to all the citizens and residents of Greece. Additionally, you are eligible for this healthcare system even if you are an expat, EU citizen, or unemployed.

How much is travel insurance for Greece?

If you’re looking for affordable travel insurance for your trip to Greece, look no further than our policy starting at just ₹4082 per day. With coverage for medical expenses, trip cancellation, lost or stolen baggage, and more, you can rest assured that you’re covered in the event of any unforeseen circumstances.

Overall, the standard of healthcare in Greece is excellent. Emergency care is provided free to charge to anyone in public hospitals, regardless of nationality. This means that if you need medical care while in Greece, you will be able to receive it without having to worry about the cost.

Do tourists need travel insurance?

This is good news for travelers, as it means that you have one less thing to worry about when planning your trip. However, this doesn’t mean that you shouldn’t purchase travel insurance.

While there are no requirements, travel insurance can provide valuable protection in the event of an emergency. If you are injured or become ill while on your trip, travel insurance can help cover the cost of medical care. Additionally, if your trip is cancelled or interrupted, travel insurance can reimburse you for non-refundable expenses, like airfare and hotels.

So, while travel insurance is not required, it is still a good idea to purchase a policy to protect yourself while on your trip.

Travel insurance is not a legal requirement, but some countries have added it to their entry requirements in light of the pandemic. Some require cover for COVID-19 specifically, while others require cover for all medical costs. This insurance can help protect you in the event that you need medical treatment while travelling.

Does US health insurance work in Greece

The US government does not cover medical bills overseas. The US Embassy in Greece recommends that travelers purchase insurance before they travel.

A passport is a document that identifies and documents the holder’s identity and citizenship.

A regular passport has a validity of five years, while a diplomatic passport has a validity of ten years.

A tourist visa is not required for stays in the Czech Republic of less than 90 days. However, all official and diplomatic passport holders must have a visa.

Is Greece safe for American tourists?

There is no doubt that Greece is a safe country to travel to. The political situation is stable, crime rates are low, and Greeks are generally welcoming and hospitable to visitors. Greece is also a popular tourist destination, so there are infrastructure and facilities in place to support travelers. Of course, as with any destination, it’s always important to be aware of your surroundings and take precautions against pickpockets and other petty crime. But overall, Greece is a safe and enjoyable place to visit.

A comprehensive travel insurance policy is essential for anyone planning a trip, as it covers a wide range of potential problems that could occur. Most policies will cover delays, cancellations due to sickness or death, lost luggage and some emergency medical costs. This can give you peace of mind when travelling, knowing that you are covered for a range of eventualities.

What medication is not allowed in Greece

Codeine is an opioid pain medication. Tramadol is a synthetic opioid pain medication. Both of these medications are banned in several countries due to their high potential for abuse and addiction. If you are traveling to any of these countries, it is important to make sure you do not bring any of these medications with you.

Athens Medical Group offers clinics at a variety of locations throughout the city, including the Athens International Airport. Prices for services vary depending on the location, but are typically around 10€. The airport location is a bit more expensive, at 20€.

Is it free to use your phone in Greece?

Greece is a Go Roam in Europe destination which means you can use your data here at no extra cost. If you have an Add-on with a data allowance of 12GB or greater, a fair use limit applies, with use over 12GB subject to a surcharge (see below).

If you wish to use your mobile/cell phone while in Greece and you are not from an EU country, you’ll need to either pick up a local SIM card or activate global roaming before you leave home.

Global roaming can be expensive, so it’s worth checking with your home service provider to see if they offer any special international roaming plans. If not, then a local SIM card is the way to go.

Greece has good mobile coverage and you should be able to find a SIM card that suits your needs and budget. Just be sure to check that your phone is unlocked before you leave home, otherwise you won’t be able to use a local SIM.

No, travel insurance is not required for Greece.

Many people choose to buy travel insurance when they go on vacation, but it is not always necessary. If you are planning a trip to Greece, you may not need travel insurance depending on the type of trip you are taking and your personal health insurance coverage. You can check with your health insurance provider to see if they cover medical expenses incurred while abroad. If your trip is cancelled or interrupted, your regular homeowners or renters insurance may cover your loss. Before you purchase travel insurance, review your existing coverage to see if you are already protected.

Scott Johnson

Scott Johnson is passionate about traveling. He loves exploring new cultures and places, and discovering the world around him. He believes that travel can open up new perspectives and opportunities for growth and development. Scott has visited many countries in Europe, Africa, South America, and Asia, and he continues to seek out new destinations for his adventures.

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Do I Need Travel Insurance For Greece?

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Table of Contents

You are planning a trip to the beautiful Greece? Lucky you!

In the below ultimate guide for travelling from the UK to Greece, we will tell you everything you need to know about travel insurance for your trip: is it compulsory, what key features should you pay attention to, how much does it cost, what are the driving requirements and what are the emergency contact details you need to know in Greece? Let’s get started.

Why do I need travel insurance for Greece?

Imagine you are hitting the Greek roads on a scooter for a romantic trip with your partner. At a roundabout, someone runs into you. You need to call the emergency services. An ambulance comes and you need to make IRM checks to ensure everything is alright.

Unfortunately, it happens much more often than we think, and it could leave both you and your partner with significant medical costs to pay if you didn’t apply for travel insurance before leaving.

Here is a list of the most common unexpected costs arising during people’s trips:

* British people travelling to Greece can benefit from their EHIC (European Health Insurance Card) until 31/12/2020, which any European citizen can get for free. The EHIC should, as required in law, cover any medical procedures and treatments you may get while you are in Greece. The EHIC will not, however, cover any emergency or repatriation costs and any medical care considered as non urgent. This is where travel insurance comes in.

If you have a medical history, always take your EHIC with you as it will cover standard care for pre-existing medical conditions (unlike travel insurance if you didn’t tick the pre-existing medical condition box while applying).

For as cheap as £1/day, “Comprehensive Travel Insurance” is a contract which fully covers you for any trip to Greece or elsewhere abroad. Travel insurance is not mandatory for anyone holding a valid UK passport but is, however, absolutely necessary.

It is one of the highest value-for-money insurance products to consider as it gives you complete peace of mind for as cheap as £1 per day.

Comprehensive travel insurance is here to provide you with both financial compensation as well as assistance during your trip.

What are the best travel insurance policies for Greece?

How can you choose between the plethora of travel insurance policies on offer and find the least expensive policy? Many insurers, even some small ones, offer very good value for money deals.

We’ve come up with a selection of small and big actors offering tempting deals.

Among them you’ll find:

*Quotes above are for a 30 years old person applying for a one week trip to Europe travel insurance .

Even better, use our comparison tool to find the best deal for you! At Safe, we’ve checked out hundreds of travel insurance providers and we are now able to allow you to compare dozens of holiday insurance deals in only a few seconds without giving any personal details.

Always remember to check limits and excess amounts, maximum number of days per trip and exclusions in an insurer’s policy terms and conditions booklet. 

Which travel insurance type do I need for Greece?

You can apply for different insurance types depending on your type of trip, from frequent luxury or business travel to cheap holidays to Greece.

The most common ones are:

What are the must-have features for travel insurance?

Each travel insurance policy is different, since it is the insurer who determines the content of the contracts it offers: guarantees, compensation limits, deductibles, travel insurance prices, etc.

However, all contracts on the market must include at least the following guarantees, applicable in Greece and elsewhere abroad:

• Medical expenses: compensation by the insurer for your health expenses during your stay (consultation, analysis, emergency treatment, longer hospital stay, etc.).
• Repatriation assistance to the UK : financial and logistical support by a dedicated 24/7 team for your early return to your country of residence if it proves necessary.
• Trip cancellation and cover for delayed or missed departure: compensation if you need to cancel your trip for whatever reason or if you missed your departure.
• Personal liability: compensation for any damage or injury made to a third-party (consider adding it as extra if not included in standard cover).
• Baggage: compensation for any lost or theft of baggage while travelling (consider adding it as extra if not included in standard cover).

Most of the time, travel insurers offer different formulas. Cover types involved are usually the same, but the compensation limits and deductibles vary.

What are the nice-to-have features for travel insurance?

Which upgrades could you add as extras for your travel insurance.

Additionally, you may tailor your policy for your trip to Greece with optional extras such as:

• Business trip cover
• Sport, winter sport, extreme sport cover
• Schedule Airline Failure (at least £1500 covered)
• Gadget insurance
• Cruise cover

What does your travel insurance to Greece not cover?

Most travel insurers will not give financial compensation for:

• Any claim made as a result of pre-medical condition or pending diagnosis undeclared at the time of purchase
• Any claim made as a result of you being under drugs or alcohol
• Difficulties due to natural disaster, war, civil unrest (watch out for strikes)
• Any claim made as a result of a terrorist attack (except if you took this cover as an option)
• Pregnancy and childbirth complications during travel.

We would advise you to thoroughly check your policy booklet for the main exclusions before leaving home. 

What else should you pay attention to while shopping around for travel insurance for Greece?

While shopping around for travel insurance for your trip to Greece, always pay attention to:

• The compensation amount s you will get for a claim by consulting our up-to-date reviews on each insurer (especially for medical expenses, trip cancellation, personal liability, baggage and personal belongings)
• The deductible amounts you’ll have to pay in case of claim (don’t forget that you’ll need to pay the excess on each claim)
• The exclusions you may have in your policy (strike, cancellation trip due to the carrier defaulting etc.)
• Coverages included in policies or available as upgrades (winter sports, business trip etc.)
• The claim process (100% online? How many days do you have to make a claim?)
• The maximum duration of each trip included as standard (at least 31 days)
• The upper age limit (if you are a senior travelling)

How much is travel insurance to Greece?

For example, this is the cheapest price for a single trip policy of seven days (with an excess at £100):

It is, however, quite difficult to give precise ranges of how much a travel insurance will cost you for Greece, as prices are based on a wide range of criteria. It will mainly depend on:

• If you’re going for a single or annual multi-trip as mentioned above
• If you’re subscribing to upgrades such as cruise, business or gadget cover
• If you have pre-existing medical conditions
• The length of your stay in Greece
• If you’re travelling alone, with your partner, a group or your family
• The financial limits you’d like to get in case of a claim
• The excess amount you’re willing to pay
• What will you be doing in Greece (e.g. winter or extreme sports)?

Is travel insurance for Greece mandatory?

Travel insurance for Greece is only mandatory if you need to apply for a Greek Schengen visa as mentioned below. You are obliged, as required by law, to take out a Schengen visa travel insurance policy.

In this case, you will need to apply for healthcare travel insurance with a medical expense minimum limit of £30 000 and covering all member states of the Schengen area. You will need to show this insurance proof with your visa application.

Travel insurance for Greece is otherwise not mandatory but is highly recommended.

Check out travel insurance for your trip to the Schengen area here.

When do I need a Schengen visa to go to Greece?

If you’re a UK citizen with a valid UK passport, you do not need a visa to visit Greece.

However, from the 31/12/2020 * , British citizens will need to apply online for a visa application for Greece called ETIAS (European Travel Information and Authorization System) which is valid for a period of three years.

They will also have to pay a 7€ fee.

The whole process of getting this visa online may take only 15 minutes and the travel authorisation should be immediately available to the traveller applicant.

*The UK and EU are due to sign a visa-free reciprocal agreement to allow both British citizens and European citizens to freely travel between both countries. This is to prevent citizens from needing to obtain a Schengen visa. However, this is still conditional depending on what the UK decides for European travellers reaching the UK.

If you are a UK Resident but are a national of one of the countries listed here , then you’ll need a Greek Schengen visa to travel to Greece.

If you need a Schengen visa to go to Greece, then healthcare travel insurance is mandatory and you’ll need to show insurance proof to get your visa. 

Do I need a passport to go to Greece?

Yes, a valid passport or ID will be required at Greece airport customs.

What should I know before travelling to Greece?

Is greece safe to visit.

The Greek authorities have introduced a number of precautionary measures in response to the coronavirus (COVID-19) pandemic. These include the closure of schools, public meeting places, including bars and restaurants, museums and archaeological sites, beach clubs and shopping malls.

The Greek government has announced that from 16 March, all people arriving in Greece from abroad are required to go into 14 days’ self-isolation.

They have also announced that Cruise ships and sailboats are prohibited from landing in Greek ports.

British nationals make over 3 million visits to Greece every year. Most visits are trouble-free, but you should take sensible precautions to protect yourself and your belongings.

There have been incidents of unrest and violence on Lesvos in response to a recent increase in arrivals of migrants from Turkey. If you’re on the island, you should remain vigilant, avoid any demonstrations or related large gatherings, minimise your movements around the island, keep up to date with developments and follow the advice of the local authorities.

There are regular strikes, sometimes called at short notice that can cause disruption to public transport (including air travel and ports), as well as road networks and borders. You should avoid all demonstrations and follow the advice given by local security authorities.

Localised or severe weather extremes, including wildfires, can affect areas of Greece over the extended summer period.

In April 2019 the Hellenic Police began implementing systematic passport control checks for all European citizens travelling to/from destinations outside the Schengen area (including the UK). This is in line with the 2017 Schengen Borders Code regulation EU 2017/458, which will eventually be applied by all Schengen member states according to the individual timescales. Waiting times at passport control may be affected on departure from and arrival into Greece. You should ensure you arrive at the airport in good time.

There were a number of cases of West Nile virus in Greece in 2018. You should consider preventative measures to minimise exposure to mosquitoes, for example using mosquito repellent when outdoors and closing doors or windows or using screens.

Terrorist attacks in Greece can’t be ruled out.

The Greek police won’t accept rowdy or indecent behaviour, especially where excessive drinking is involved. Greek courts impose heavy fines or prison sentences on people who behave indecently. Your travel insurance may not cover you after drinking.

There have been reports of an increase in holidaymakers being encouraged to submit a claim for personal injury if they have experienced gastric illness during their stay. You can find more information about the action you can take if you have suffered a personal injury on the Citizens Advice website. You should only consider pursuing a complaint or claim if you have genuinely suffered from injury or illness. If you make a false or fraudulent claim, you may face legal proceedings in the UK or Greece.

The emergency services number in Greece is 112. Calling 999 from a UK mobile in Greece will automatically transfer you to the Greek emergency services. If you’re abroad and you need emergency help from the UK government, contact the nearest British embassy, consulate or high commission. You should take out comprehensive travel and medical insurance before you travel. The Overseas Business Risk service offers information and advice for British companies operating overseas on how to manage political, economic, and business security-related risks.

How to drive a car in Greece?

Maybe you would like to rent a car in Greece, or maybe you’ve imagined a whole road trip driving from the UK to Greece. You may be wondering what exactly you need to do for driving on your holiday in Greece.

Before 31/12/2020: any UK resident with a full and valid UK licence is allowed to drive on Greek roads.

As from 31/12/2020 : any UK resident might need an international driving licence depending on what is decided.

If you want to go from the UK to Greece with your vehicle, you will also need:

• A green card
• A valid proof of insurance and ownership (called V5C form)
• A GB sticker
• A valid passport or ID

Find the best European car insurance here .

If you’re renting a car, make sure you’re covered for car hire excess . 

The Greek drink drive limit is 0,5 g/L (0,2 g/L for less than 3 years licence holders).

Healthcare in Greece for UK citizens

• Before 31/12/2020: your EHIC, as mentioned above, will cover any of your medical treatment just as for French people. However, it will not cover emergency dental treatment, etc. Your travel insurance will (the emergency landline linked to EHIC card is 0300 330 1350).
• As from the 31/12/2020: your EHIC will no longer be valid. Only your travel insurance will cover you for any medical cost you may have to face.

In any case, to be completely covered for any healthcare cost, you should apply for travel insurance. 

How to contact the British Embassy in Greece?

Depending on where you are located, you can contact:

Alexandre Desoutter has been working as editor-in-chief and head of press relations at HelloSafe since June 2020. A graduate of Sciences Po Grenoble, he worked as a journalist for several years in French media, and continues to collaborate as a as a contributor to several publications. In this sense, his role leads him to carry out steering and support work with all HelloSafe editors and contributors so that the editorial line defined by the company is fully respected. and declined through the texts published daily on our platforms. As such, Alexandre is responsible for implementing and maintaining the strictest journalistic standards within the HelloSafe editorial staff, in order to guarantee the most accurate, up-to-date information on our platforms. and expert as possible. Alexandre has in particular undertaken for two years now the implementation of a system of systematic double-checking of all the articles published within the HelloSafe ecosystem, able to guarantee the highest quality of information.

7 Best Greece Travel Insurance Plans for US Citizens in 2024

Updated on January 10, 2024 by Matthew H. Nash – Licensed Insurance Agent

• SwiftScore Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to Greece travelers. Learn more at the end of this page.

STARTING PRICE FOR 2-WEEK TRIP TO THE GREECE

CAN YOU CANCEL YOUR TRIP FOR ANY REASON? 

BEST  WEBSITE FOR

Comparing Policies

• Compare dozens of the best Greece travel insurance policies from all the major providers in one place
• Easily filter for the features you want and get support from their award-winning customer service team
• Founded in 2013, TravelInsurance.com has helped hundreds of thousands of travelers find affordable insurance coverage

BEST  POLICY FOR

Fast Claims

• Super fast claims via their 100% digital platform with a helpful mobile app
• Faye makes it easy to add-on coverage for vacation rentals, adventure/extreme sports, pet emergencies, and “cancel for any reason” at competitive prices
• Underwritten by Crum & Forster, Faye is known for its exceptional customer support, with 4.8/5 stars on Trustpilot

• SwiftScore Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to travelers. Learn more at the end of this page.

BEST POLICY FOR

Travelers Aged 55+

• Pre-existing medical conditions are covered for a reasonable fee and they offer “cancel for any reason” as an add-on
• $2,000 COVID quarantine coverage available w/ Safe Travels Voyager plan
• Founded in 1998 and underwritten by Nationwide and GBG Insurance

BEST WEBSITE FOR

Filtering Plans

• This comparison website has the most comprehensive filters especially for Covid-19 which helps you search for the specific benefits you need
• They have “Zero Complaint Guarantee” which promises a fair claims process
• Established in 2003, Squaremouth has consistently been recognized for it’s exceptional customer service

BEST POLICY FROM

An Established Brand

• Well rounded, inexpensive travel insurance plans from an established and top rated global insurance company
• AXA has plans that cover pre-existing conditions and their “Platinum” plan covers “cancel for any reason” with an optional add-on. They also offer helpful 24/7 Worldwide Travel Assistance Services
• Founded in 1959 and underwritten by Nationwide

Family Travel

• Their “Trip Interruption for any Reason” feature allows you to get a 75% reimbursement for any additional expenses if you decide to go home early from your trip
• They have a variety of insurance products to suit any travel needs
• Founded in 1993 and underwritten by Nationwide Insurance

Long-term Travel

• Ideal for digital nomads and long-term travel, available to anyone anywhere
• Scored lower because short-term travel coverage isn’t as robust as competitors
• Founded in 2018 and is underwritten by Lloyds of London

CAN YOU CANCEL YOUR TRIP FOR ANY REASON?

Greece travel insurance FAQs

Is it worthwhile to get greece travel insurance.

If you want to protect the financial investment you make in your vacation, then getting Greece travel insurance will be worthwhile. A good policy will protect you against trip interruptions or cancellations, medical emergencies and evacuations, and lost, stolen or damaged luggage. You can upgrade your coverage to include “Cancel for Any Reason” (CFAR) insurance. With travel costs high these days, your trip insurance plan will reimburse you in case of unforeseen events. It also provides essential support during medical emergencies. Whether arranging airlifts, other medical-related evacuations or checking you into hospitals that meet US standards, trip insurance can eliminate unnecessary stress from already difficult situations. Speaking from experience, having the best travel insurance policy will give you peace of mind while you’re on vacation in Greece. And since most plans cost between 2% and 3% of your total trip cost, it’s pretty affordable.

What is “Cancel for Any Reason” travel insurance?

“Cancel for Any Reason” (CFAR) insurance is an optional upgrade for most policies. And it does precisely as the name claims: it allows you to cancel your trip for any reason. The typical reimbursement rate for CFAR insurance is 75% of nonrefundable trip costs that your standard policy does not cover.

How far from home do I have to travel for my Greece trip insurance policy to go into effect?

A major pre-departure benefit that immediately goes into effect is Trip Cancellation. You become eligible for the remaining benefits upon leaving your house for your Greek vacation. Keep in mind that some policies require you to travel at least 100 miles from home before those benefits become active.

If I end up hospitalized in Greece, will travel insurance cover my medical bills?

Since most US health insurance policies do not cover medical expenses abroad, and those that do only offer partial coverage, Greece trip insurance is the best option. Also, note that Medicare does not extend coverage internationally.

How many people can I insure on my Greece trip insurance plan?

Most travel insurance companies will allow you to insure as many as 10 people on a Single Trip plan. However, you must all have identical travel itineraries and live in the same state. You must purchase separate policies if you plan to vacation with friends and family living in other states or have different travel itineraries. That said, if 8 or more of you are traveling together, consider purchasing a group policy, as they tend to be more economical than Single Trip plans but still offer the same great benefits. One of the best things about group policies is that they do not require insured travelers to have the same itineraries or live in the same state. Their only requirement is that all travelers be US residents.

Why do I need Greece trip insurance if I am fit and healthy?

Travel insurance protects you financially against unforeseen events such as accidents, injuries, illnesses, trip delays, and cancellations as well as lost, damaged or stolen property. It even covers any medical care or medical evacuations you might need. So while it’s fantastic that you are fit and healthy, you are still equally susceptible to all of the unexpected events mentioned above. Having the best trip insurance policy can put your mind at ease, knowing that you and your investment in your vacation to Greece are covered.

If I forget my laptop on a bus, train or plane, will travel insurance still cover it?

Most travel insurance plans do not provide extensive coverage for electronics–typically only $500 per lost, stolen or damaged item. Check the full policy details to be sure it offers you the coverage you need and want. If you want more protection for your electronics, it doesn’t hurt to ask your trip insurance provider if they offer any upgrade packages or policy riders that will expand your coverage.

How do travel insurance companies define baggage loss? What do baggage loss benefits entail?

Baggage loss benefits cover your baggage and other personal effects should they end up lost, stolen or damaged during your trip to Greece, even when they are checked with a hotel, tour operator or common carrier. You would be eligible for reimbursement up to the Maximum Benefit Amount listed in your policy, less whatever the responsible party reimburses you. Be aware that the Maximum Benefit Limit stated in your policy is per person and is the highest amount your insurer will reimburse you if any of your belongings are lost, stolen or damaged. However, other benefit terms affect the amount you get reimbursed for individual items. For example, the Per Article Benefit is the highest amount your insurer will reimburse you for any lost, stolen or damaged item until you reach your Maximum Benefit Limit. Another such limit is the Combined Article Limit that applies only to furs, jewelry, watches and electronic devices, such as cameras, smartphones, laptops and video cameras. The Combined Article Limit is the highest amount your travel insurance provider will reimburse you for one or more of these items, regardless of how many of them you lose and their total market value. (Note: Not all states have Combined Article Limits in their travel insurance policies.) Let’s review a hypothetical scenario to make this easier to digest. Imagine your policy has a $2,000 Maximum Benefit, a $500 Per Article Benefit and a $500 Combined Article Limit. Now say that one of your bags is lost, stolen or damaged. Therefore, your insurance provider will reimburse you no more than $500 (Per Article Benefit), up to $2,000 (your Maximum Benefit). So, let’s say you lose a fur coat valued at $650 and a watch valued at $450. The most your insurer will reimburse you is $500 per the Combined Article Limit terms. Therefore, no matter what you lose, the most you can receive via reimbursement as per your policy is $2,000 (per insured traveler). It is essential to mention that proving ownership and loss or damage requires sufficient documentation. Prior to leaving for your trip, you can take photographs and videos of everything you’re packing and gather any receipts for those items you may have. Should anything happen to your luggage, a police report or letter from the responsible party will be necessary. Consult your policy or travel insurance provider for further clarification.

Will trip insurance cover me if I want to participate in any adventure sports and activities?

Greece is a country of great weather, stunning natural beauty, and diverse terrains, making it a fantastic destination for adventure sports and activities. Many reputable travel insurance companies extend coverage to a diverse selection of outdoor sports and activities, including diving, hiking, sailing, biking, sea kayaking, rock climbing, and skiing. To find the policies that cover you for the sports and activities you want to do:

• Use SquareMouth.com and select the “Sports & Activities” filter. You can input those you plan to participate in during your Greek vacation.
• Once you choose all that you’re interested in, click “Search,” and it will bring up all the policies that offer the level of coverage you need.
• Before buying a policy, read the full details to ensure you understand all the benefits and exclusions.

Most common problems while traveling in Greece and how to avoid them:

The great thing about Greece is that, like most southern European countries, you don’t have to worry about contracting any exotic illnesses as you would in tropical destinations. Of course, there will always be the odd food poisoning incident, but the most frequent illness among travelers in Greece is sunstroke (aka heat stroke). If you plan to visit Greece between June and September, you must take extra precautions to stay healthy and avoid sun/heat stroke. The sun can be intense in Greece. Temperatures often rise above 100F during the summer months and are regularly in the 90s. To keep healthy, stay out of the sun during mid-afternoon hours when it’s at its most intense. Another is to stay hydrated by drinking plenty of water, consuming moisture-rich foods, such as fresh fruit and vegetables, and avoiding too much alcohol and caffeine. Symptoms of sun/heatstroke include headaches, high fever, nausea, disorientation and delirium, vomiting, increased heart rate, abnormal sweating and loss of consciousness. Should you or your travel companions experience any of these symptoms or a combination, seek medical treatment immediately. Sun/heat stroke is serious since it can cause the brain and other organs to swell, potentially ending in long-term damage or death. Additionally, if you plan to visit rural, rocky or agricultural areas, watch out for Greece’s only venomous snake: the horned viper (also known as the Ohia snake). They will only strike if they feel threatened or if you accidentally step on them, so remember to watch where you walk. Be forewarned that in recent years, Greece has suffered several wildfires during the summer season, which resulted in extreme air pollution, leaving countless people hospitalized for smoke inhalation. If there are fires, check with your hotel concierge or staff about safety precautions, such as which areas to avoid. The other natural threat that is on the rise is earthquakes. Whether in Athens or far out to sea on the island of Crete, geological activity happens with earthquakes in the last few decades as over 6.0 on the Richter scale.

Most accidents and injuries tourists experience in Greece involve tripping and falling, cars or mopeds, adventure sports and activities. Cuts, scrapes, twisted ankles or wrists and broken bones are typical injuries. If you choose to go hiking, rock climbing, diving and beyond, book your excursions with a reputable tour operator and purchase your travel insurance in advance.

While muggings are quite rare in Greece, the economic crisis over the last 15-20 years has caused a rise in crime. Pickpocketing is more common, so be conscientious about your belongings, especially on public transportation. Lock your valuables in your accommodation and carry only what you absolutely need. Body purses and money belts are wise choices. Alternatively, some people wear small backpacks on their chests when walking around crowded, touristy areas. Street smarts are necessary, but being overly paranoid is unnecessary.

Emergency resources for Greece

Phone numbers.

The pan-European emergency number is 112. If you need to reach the tourist police, dial 1517. Call 166 and 199 to contact the fire department or request an ambulance.

US embassy or consulate details

The US Embassy in Greece is located in central Athens, and you can find a US Consulate General in Greece’s second-largest city, Thessaloniki. Please visit their website for their address, phone number, opening hours, and detailed information regarding citizen services. Some travelers register their travel plans with the Department of State’s Smart Traveler Enrollment Program for added peace of mind. Doing so will give you travel advisories for Greece relative to your specific trip dates. It also makes communication between you or your family and the US Embassy in Greece significantly easier should any emergency occur.

Other local knowledge that is helpful for travelers

Accommodation.

As with most countries, you’ll find a wide range of accommodations in Greece to suit most budgets. The choices are seemingly endless from hostels to pensions, small family-run hotels, mid-range hotels, luxury hotels, vacation and private room rentals, camping and more. One thing to note about accommodations here is that many places aren’t great value for money. For example, what you might pay for a hotel room in the center of a major German or French city, will not necessarily get you a room or rental of equal quality in Greece. Also, hostels tend to be few and far between compared to most other European countries, and those that do exist are generally over-priced and unpleasant. You’re better off making reservations at small, family-run hotels or mid-range to luxury hotels and vacation rentals to get the most out of your money. Note: Camping is illegal outside of designated campgrounds/areas.

Adventure Sports & Activities

There’s more to Greece than just mouth-wateringly delicious food and beach chairs in the sun. It is a dream destination for those who love the sun, clear aquamarine waters, outdoor sports, and activities. Whether you’re into diving, rock climbing, sea kayaking, sailing, hiking, biking or skiing––yes, Greece gets snow!––Greece is a dream destination. Be sure to get a travel insurance policy that will cover you for your preferred sports and activities. See the final question in the FAQ section above for more information.

Communication

Many visitors find having mobile phone service and connection to the internet essential. WiFi is readily available at cafés and hotels in popular tourist hotspots throughout Greece. Your first option is to ask your US mobile phone carrier to add an international roaming plan for Greece to your phone for your trip dates. While this may sound convenient, it’s the priciest choice, as such plans rarely offer much data. As mentioned above, the cheapest option is to keep your phone on airplane mode and access the internet via free WiFi networks. Be aware that many cafés put passwords on their WiFi, so you can usually find it at the bottom of your receipt. This is an excellent choice for people who don’t need to be connected 24/7 and prefer using email and messaging apps to stay in touch with family and friends in the US instead of calling. If you want around-the-clock calling, texting and internet access but don’t want to spend hundreds of dollars, your best option will be to get a local prepaid SIM card when you arrive in Greece. The mobile phone carrier with the broadest range of coverage is Cosmote (aka OTE), but Vodafone and Nova are the other major ones. You can ask your host or hotel concierge for information about the nearest shop for these carriers, or you can use Google maps. You will need to check with your US mobile phone carrier about unlocking your phone before you leave home, though.

Since Greece is part of the eurozone, along with 19 other countries, its currency is the euro (€). The euro banknotes come in denominations of €5, €10, €20, €50, €100 and €200, along with €2, €1, 50-cent, 20-cent, 10-cent, 5-cent, 2-cent and 1-cent coins. ATMs abound in urban hubs but less so in rural areas. While many places accept credit cards and debit cards, many businesses still operate on a cash-only basis, so always have plenty on hand. While there are some foreign currency exchanges, you will get the best exchange rate by using local ATMs to withdraw cash from your US bank account, even if you factor in the international fees. Stick with ATMs located directly outside a bank branch, such as Alpha Bank, Eurobank, Piraeus Bank, etc., as they are serviced regularly and less prone to card-skimming scams.

Greek food is more than just gyros and souvlaki. It’s abundant in fresh vegetables, herbs, fish and meat that melts off the bone. It’s known for being healthy, especially as though the country abounds in beautiful, fresh produce. So, vegetarians and vegans can get by just fine in most places. So, what can you expect from Greek food? As you might have guessed, Greeks use a lot of local extra virgin olive oil (EVOO) on their food, along with vinegar, salt and pepper. In addition, herbs, especially dill and oregano, play prominent roles in the flavoring of Greek dishes. Meals usually entail at least a few mezedes–tapas or appetizers–and are shared family-style. Examples of such dishes include horta/vlita, saganaki, gavros, fasolakia, dolmades and choriatiki. Horta refers to bitter wild greens that are foraged, particularly chicory, dandelion and mustard. Whereas vlita refers to greens grown in the garden with a much mellower taste, specifically green amaranth. Both horta and vlita are boiled and served with a healthy topping of EVOO and fresh lemon juice or red wine vinegar. Another popular small dish is fasolakia. This is slow-cooked green beans in tomato sauce, onions, potatoes and EVOO. Dolmades are another favorite among Greeks. Dolmades are boiled grape leaves stuffed with rice, a little lemon juice, spices and herbs. These can be purely vegan or made with meat, so check the menu or ask your server to ensure you’re getting what you want. Choriatiki, a traditional Greek salad, is a must during your vacation. It consists of tomatoes, cucumbers, red onions, olives (usually Kalamata), feta cheese, salt, vinegar and EVOO. Saganaki is a delightful, albeit somewhat unhealthy, starter. You eat fried kefalograviera cheese with fresh bread and lemon juice. Kefalograviera is a firm, sharp cheese that’s slightly salty and is made from either goat or sheep’s milk. A table without gavros is not a Greek table! Gavros marinatos are anchovies marinated in EVOO, lemon and oregano. But if you’re drinking ouzo with Greeks –local anise and licorice-flavored clear liquor–grilled octopodi (octopus) will most likely take the place of gavros marinatos. Tiropita and spanakopita can also be eaten as a snack, mezede or meal. The former is cheese pie (usually feta) and the latter is spinach and cheese (feta) pie. Both are made with phyllo dough, dressed with butter or olive oil, and baked until flaky and lightly browned. Of course, there are many more, but this is a handful of some of the most typical dishes. Sometimes, you will see Greeks create a meal of one or more of these mezedes, along with a slice or two of bread. But don’t miss out on some of their main dishes either. One of the most famous is moussaka. This rich, creamy casserole is made of a spiced meat sauce (lamb or beef), layers of eggplant slices, cheese and bechamel sauce. It may often include other vegetables, such as zucchini and potatoes. A similar dish is papoutsakia, baked eggplant stuffed with ground beef, chopped tomatoes, garlic and bechamel sauce. Pastitio is Greek beef lasagna and is highly aromatic. A stuffed vegetable dish perfect for vegetarians and vegans is gemista. Gemista is baked tomatoes stuffed with rice, herbs and aromatics, dressed with EVOO and topped with breadcrumbs. An alternative to tomatoes is stuffed peppers. Sometimes, gemista is stuffed with ground meat (turkey, beef or pork) and rice, so double-check with your server before placing your order. Since Greeks eat seasonally, this is known as a summer dish. Another popular summer dish that appeals to all, but especially to those who don’t eat meat, is briam. This is the Greek version of ratatouille, consisting of eggplant, zucchini, potatoes, red onions, EVOO, garlic, herbs and fresh parsley. And you can’t talk about Greek food without mentioning souvlaki. Souvlaki is marinated meat cooked on a skewer and served accordingly or in a warm pita with tzatziki sauce, red onions, garlic, tomatoes and sometimes crispy lettuce. While it is traditionally made with chicken, beef or lamb, fish souvlaki is becoming more common around Greece. Remember to try some sweets too! The Greeks may have a diet laden with fresh vegetables and herbs, but they also have sweet tooths. They like their desserts rich and sugary. Baklava is the richest and most widely known Greek dessert. It’s made with flaky phyllo dough, honey, cinnamon, cloves, nuts (pistachios and walnuts) and vanilla. A close second to baklava for richness is galaktoboureko. Like baklava, galaktoboureko is made with phyllo dough, filled with butter and semolina custard, topped with orange-spiced syrup and baked. A cousin of galaktoboureko is bougatsa, which is cheese or semolina custard wrapped in phyllo dough and baked. However, unlike galaktoboureko, it’s topped with powdered sugar and cinnamon, not drenched in syrup. Lastly, one of the most popular drinks in Greece, especially when the weather is hot, is a frappé. It’s made with instant coffee sugar and ice that is either shaken or put into a special mixer and topped with cold, frothed milk. However, two trendy variations have sprung up over the years: a freddo cappuccino (an iced cappuccino with frothed milk and foam) and a freddo espresso espresso shaken with ice cubes.

Getting Around

With a large mainland and 227 inhabited islands to explore, knowing the best ways to get around Greece will make your trip better and save you plenty of time and energy. Greece has an extensive network of ferries, with frequent trips to most destinations each day throughout summer, including hydrofoils known as “flying dolphins,” catamarans, overnight ferries and fast boats that can accommodate cars. The largest port in Greece is Piraeus, on the outskirts of Athens, which you can access via the metro. Since the boats mentioned above book out well in advance, be sure to buy your tickets long before arriving in Greece. Also, always check the online schedule the day before your ferry leaves in case of any changes to your itinerary due to weather and sea conditions. If you prefer to fly to the Islands or other destinations within Greece, you’ll first fly into Athens’ Eleftherios Venizelos International Airport (ATH) and then hop on another flight from there. The major domestic airlines include Olympic Air, Aegean Airlines and EasyJet. Between the three carriers, you shouldn’t have any trouble making your way to Santorini, Crete, Corfu, Thessaloniki and beyond. Of course, it’s always worth spending 3 full days in Athens to visit the Acropolis, roam the beautiful streets of the Plaka and dine on traditional Greek food, hike Mount Lykavitos and visit museums and street markets before heading off to other corners of the country. If you want to adventure around the mainland, you have two options: by bus or car. Please note that Greek trains will be a serious disappointment, as they are not of the same high standard you might experience in other major European countries. For example, the rail network does not link the entire mainland, and the trains are older and not very clean. On the other hand, you can get just about anywhere on the Greek mainland by bus. A government organization called KTEL runs the nation’s bus system, which includes various companies. If you need help booking tickets, ask your hotel’s concierge or vacation rental host. Renting a car or a moped is an incredible way to explore this stunning country, but driving in Greece isn’t for the faint of heart. Greeks tend to be high-octane drivers, zipping around with little regard for the cars and people around them. There is also the challenge of navigating narrow, winding, poorly-lit roads and busy urban streets. On the other hand, the advantage of renting a car is that you can visit small, remote villages that most tourists rarely ever come across. If this sounds like your preferred mode of transportation, remember that most rental cars in Greece have manual transmissions (standard). To rent a car or a moped, you will need your US driver’s license and International Driver’s Permit, which you can get from AAA (American Automobile Association). Lastly, before you leave home, download Google Maps for Greece so that you can access them without needing to use up data or find a WiFi connection.

A large portion of the Greek population is either proficient in English or equipped with enough of the language to answer your questions. Learning a bit of Greek before your trip never hurts, especially since Greeks are such hospitable and friendly people. They appreciate even the smallest of efforts from visitors.

Greek is one of the most ancient languages still used today, and even as many as 40,000 English words are derived from Greek. So while it may be quite a complex language with an alphabet all its own, learning some practical words and phrases is easy.

• hello/goodbye (formal) – yassas – Γειά σάς (YAH-sas)
• hello/goodbye (informal) – yassou – Γειά σου (YAH-soo)
• hey/bye  – yah – Γειά (yah) 
• good morning – kalimera – καλημέρα (kah-lee-MER-ah)
• good afternoon/evening – kalispera – Καλησπέρα (kah-lee-SPER-ah)
• good night – kalinikta – καληνύχτα (kah-lee-NEEKH-tah)
• please – parakalo – Παρακαλώ (para-kah-LOE)
• thank you – efxaristo – ευχαριστώ (eff-kha-ri-STOE)
• yes – nai – ναι (neh)
• no – ohi – oχι (OH-hee)
• Do you speak English? – Milate Aglika? – Μιλάτε αγγλικά (Mee-LAH-teh 
• ag-li-KAH)?
• excuse me/sorry – signomi – Συγνώμη (seeg-NO-mee)

Local Customs & Etiquette

Greeks are incredibly welcoming and proudly share their country and culture with visitors. If a local invites you to their home for lunch or dinner, your acceptance will bring them much pleasure. Remember to take along a small gift, such as chocolates or flowers. If a Greek leans in to kiss you as a greeting, be aware that they kiss both cheeks, not one. While this gesture is reserved for more personal interactions, don’t be surprised if the Greeks you meet prefer it to hand-shaking. Another thing to consider is that while the younger generations are pretty modern and open-minded, older generations are quite conservative. Therefore, go easy on the PDAs. If you want to be respectful, simply observe the locals and act accordingly. Many Americans will find that Greeks have a very different rhythm to their days than we do in the US. For example, during the week, shops are often open from 9 am to 9 pm but will close between 2-5 pm or 2:30-5:30 pm. This is equivalent to the Spanish siesta, or nap/rest time, and it also functions as their lunch break. Some shops in touristic areas will remain open all day, but it’s best to know these approximate hours as many still do not. Additionally, shops will stay open until 7 or 8 pm on Saturday. However, besides some restaurants and cafes, most shops, including grocery stores, will be closed on Sundays. Equally as important to note is that Greeks take a very laid-back approach to clock time. Breakfast isn’t huge in Greece, but going out for a British or American-style weekend brunch is becoming trendy. Most Greeks will grab a pastry, sweets, and coffee around mid-morning instead of having a full meal. As mentioned above, they eat lunch mid-afternoon, will have another snack early in the evening and then eat dinner around 10 or 11 pm, particularly during the warmer months. The good news is that Greeks don’t expect tourists to keep those hours too, so plenty of restaurants will be open to serve you dinner earlier. Another aspect of life in Greece worth mentioning is that while Greeks are very casual at the beach, they tend to dress up anywhere else they go. It’s frowned upon not to present oneself well, so don’t be surprised if you see locals dressed to the nines. Coming from the United States, arriving in a country where half the population smokes cigarettes can be shocking. Greece passed a stringent smoking ban in restaurants, cafes, public transport, and workplaces in 2008. However, they very rarely enforce it. If you want to minimize your exposure to second-hand smoke, grab a seat outside whenever possible. The primary religion is Greek Orthodox (Christianity), which is quite conservative. Therefore, a specific dress code is expected when visiting a church or monastery. At the minimum, women should have their shoulders covered and their elbows. Long, loose, ankle-length skirts are also customary. However, if women are wearing pants, they usually wrap a sarong around their waists. For men, long pants and a shirt covering your shoulders are expected. Greece is known for having incredible nightlife, particularly on the more popular islands and along the coast outside of Athens. That said, it’s not common for Greeks to get rip-roaring drunk, so do show some restraint when drinking. Also, when you’re in cafés, do not feel rushed to vacate your table. In Greece, people enjoy life, nurse their coffees, and often chat with friends and family for hours. The point is: enjoy yourself!

Greece is a relatively safe country, so you probably won’t witness any violent crime outside periods of unrest and protests. However, due to the ongoing financial and refugee crises, certain areas may experience more crime, such as pickpocketing and muggings. In central Athens, you will also witness a fair bit of homelessness. Drinking tap water on the Greek mainland is safe, but when you visit the Islands, opt for bottled water. The primary reason for this is that water is a scarce resource on most Greek Islands, and hotels use the majority of it for laundry and bathing. A second reason is that tap water is a bit salty on some islands, like Hydra. It would be best never to leave your wallets, cell phones or other valuables on cafe tables while enjoying a drink or meal, especially in popular tourist areas. A scam in which young children approach cafe customers with a map, asking for help with directions or offering advice on where you should visit. They usually hold the map between you and your valuables, so you don’t notice their partner-in-crime swiping your belongings. A common scam that targets solo male travelers is carried out by women who lure them into bars in cities, tourist towns and port towns across the country. This is especially true of the area around Syntagma Square (Constitution Square) in Athens. The women are prostitutes but never let onto it, and they engage men in conversation, expecting the men to buy them drinks. Then, the bar hits the men with extortionate bills whenever they decide to leave. And these unsuspecting men often get threatened with great bodily harm if they don’t pay. Watch out for little old ladies dressed as nuns. They are usually solo. If one tries to give you a cross, refuse it with a firm ‘no’ and walk away. Should she pursue you a bit, repeat your firm ‘no.’ When you’re distracted, these ladies will try to snatch your bags or belongings. Lastly, some taxi drivers may try to scam you. Some will say you paid them less than you actually did so that they can give you back less change. Others may try to charge you a higher rate for a ride to/from the airport than the rates enforced by law. You can use this website to determine the appropriate fares for these specific rides. If you prefer ride-hailing apps, use Beat , as Greece banned Uber. Beat’s app is simple to use and very similar to Uber’s. See the section after the travel insurance FAQs called “Most common problems while traveling in Greece and how to avoid them” for safety and health issues related to natural disasters.

When shopping, ask the shopkeepers if they offer duty-free shopping, and if so, what is the minimum purchase required to get a VAT (value-added tax) receipt. The stores that do will provide you with the appropriate paperwork you will need to present at the airport for your refund. Ensure the shop stamps the refund form and that you hold onto all your receipts. Otherwise, the customs authorities may consider it invalid. You will need these papers whenever you depart Greece or the European Union (in case you plan to go to other countries after Greece). 

If you pack any items in your checked luggage that you plan to get a VAT refund for, let the airline’s check-in agent know that you’ll have to take your bags to get your tax refund. You can usually find the customs and VAT refund offices just before passport control, but it doesn’t hurt to ask the check-in agent to point you in the right direction. After a customs agent approves your VAT refund and inspects your duty-free purchases, they’ll deliver your luggage to your flight for you. Most refunds are made immediately at the airport, but it can take 45 minutes to 1 hour to process them, so remember to factor in the extra time needed and arrive at the airport well in advance. Further information on duty-free shopping and VAT refunds within the EU is available at Global Blue .

Tipping 10-15% is customary in Greece when dining in restaurants. Tipping 50 cents or rounding up to the next euro is appropriate if you’re grabbing a coffee in a cafe. Most people round their bills up in tavernas, casual Greek restaurants filled with traditional food and wine. If your bill is €45, many people will leave €50. Of course, you can always tip more if you receive excellent service, but tipping 20% or more is not expected in Greece as in the United States.

If you end up in a restaurant or taverna and they put bread on your table, tell them immediately if you don’t want it. Otherwise, this will end up on your bill as a “service” or “cover” charge (KOYBEP in Greek).  

Tipping, when it comes to hotel staff, depends on the type of hotel. At high-end luxury hotels and resorts, always tip porters, room service attendants and housekeepers.In such settings, tip porters €2-3 per bag minimum (never less than €5 total), €5 per day for housekeepers and a few euros for room service or any poolside attendants (drink deliveries). If you stay at more modest hotels, you can slightly scale back your tips. And if you book into a family-run hotel, you do not need to tip the owners should they offer to help you with your luggage.

If you decide to take any free walking tours, what you tip will depend on the length. €10 for a tour of 2 hours or less is appropriate. Consider adding €3-5 for each additional hour. However, if you take a private tour, tip your guide 10-15% of the tour cost. You may want to tip the tour driver as well.

When it comes to taxis, most people don’t tip their drivers. Instead, they round up to the nearest euro. That said, if your taxi driver goes out of their way to help you with your luggage or drives you quite some way, then definitely tip them.

Lastly, should you ever have food delivered, €2-3 should be adequate for orders between €15-30. However, consider increasing that tip accordingly if you have a large or expensive order.

Ultimately, your tips go a long way in the lives of Greeks, whose cost of living is comparable to many other European countries but whose wages are significantly lower.

What to pack for Greece

Apart from Travel Insurance, we recommend you bring the following items for maximum health, safety, and enjoyment of your trip to Greece.

A final note about travel insurance for the Greece

I have spent dozens of hours researching travel insurance, including getting quotes and comparing coverage from all the most popular brands. Regardless of where you’re going I am confident that you will also find that TravelI n surance.com offers the best way to compare policies with the ideal combo of coverage and price.

I wish you and yours an incredible journey.

SwiftScore Ranking Methodology

• Average price for a 2-week vacation based on a 35-year-old California resident traveling to the Greece with a $3,500 trip cost
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• AM Best rating of the underwriter
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• Key takeaways

Which countries require travel insurance?

Why do countries require travel insurance, what happens if you don’t have the required insurance, what should a good travel insurance policy include, how to prove you have travel insurance, countries that require travel insurance faqs, related topics.

What Countries Require Travel Insurance for Entry?

• Some countries require all visitors to purchase travel insurance before vacationing in their nation.
• Travel insurance can protect you from unexpected losses you may incur during your trip, such as injuries and canceled flights.
• Without travel insurance, y ou’ll be required to cover all losses out-of-pocket.
• If losing the money you’ve saved for a trip would result in financial strain, travel insurance is a worthy investment.
• We recommend using a comparison tool to find the best travel insurance policy for your needs.

Our top picks for required travel insurance

Seven corners.

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Not all countries have a mandatory travel insurance policy, such as Canada , for example. But if your destination is one that does, getting familiar with the rules in advance can help your travel plans flow without a hitch. You’ll first need to find out if insurance is required, or simply advised, in your country of choice.

Below, you’ll find a list of vacation destinations that require all visitors to purchase travel insurance. Keep in mind that international travel rules change frequently, meaning the information here is not comprehensive. Use this as a starting point when planning your next trip, but double-check the location’s entry requirements before you jet off.

Antarctica is unlike other travel destinations in that it has unique variables that can produce unexpected losses. For this reason, insurance on your trip to Antarctica is a must-have. Because you’ll likely be traveling with an Antarctica touring company, coverage requirements will vary. A comprehensive plan is typically recommended—one that includes medical coverage , trip cancellation, and trip interruption.

Travelers to Bermuda are required to purchase health insurance for the duration of their stay. The Bermuda government also recommends that all visitors over age 12 be vaccinated against COVID-19.

To successfully secure a visa for Bhutan , you will be required to provide valid travel insurance for the duration of your travel before your trip.

Traveling to Cuba means complying with regulations set by the Cuban and United States governments . In the U.S., you’ll need to submit personal documentation along with your travel application. You’ll then need to notify the Cuban government of your plans to travel, give them your visa information, and provide proof of travel insurance with medical coverage.

Neither medical nor travel insurance is required to visit Ecuador. However, you will need coverage if you’re planning to visit the Galapagos.

Travelers to Jordan must purchase a travel insurance policy that includes medical coverage.

Those traveling to Myanmar must purchase an insurance policy that contains medical coverage, including coverage for COVID-19 treatment . However, the US Department of State currently advises against traveling to Myanmar and provides a Level 4: Do Not Travel warning .

Travelers to Nepal must provide proof of international health insurance . However, exceptions will be made for visitors under certain circumstances. For insurance requirements relating to your own situation, refer to the Nepal government website for detailed information.

Travel insurance is mandatory for all visitors under regulations set by the Qatar government .

Russian Federation

Before visiting the Russian Federation, all travelers must apply for an entry visa. At any point during the application review process, the Russian Consular Division of the Embassy has the right to request travel insurance containing medical coverage . However, the US Department of State currently advises against traveling to Russia and provides a Level 4: Do Not Travel rating.

By law, all travelers to Rwanda must have health insurance . Attempting to visit Rwanda without it, means you may be asked to purchase a plan upon arriving in the country.

Saudi Arabia

Before visiting Saudi Arabia, you’ll need to purchase an insurance plan. It’s r equired that your plan includes coverage for a COVID-19 infection .

Schengen Visa countries in Europe

The Schengen Area is a collection of 27 European countries that have removed much of the regulation surrounding their shared borders. For travelers, this means a single visa is necessary for visiting all the nations in the Schengen group.

Schengen countries include:

• Czech Republic
• Liechtenstein
• The Netherlands
• Switzerland

Traveling to any of these destinations means you may be asked to show proof of insurance. Depending on the country, your coverage may need to include $50,000 in hospitalization costs, medical evacuation, or a $0 deductible. In some cases, you may need to prove that your insurance company has European offices.

Before traveling, it’s best to check the requirements for the countries you plan to visit in order to avoid surprises.

All travelers to Seychelles must purchase an insurance policy that contains medical coverage valid for the entirety of their stay.

Turkey travelers are asked to purchase travel medical insurance before visiting the country. The extent of this coverage is not specified—the only condition is that y our plan must last the full length of your trip.

Travel insurance for Ukraine must contain medical coverage that includes all treatments related to COVID-19 . Your insurance plan must be purchased from a company registered in Ukraine, or from a foreign company with a representative office in the country. However, the US Department of State currently advises against traveling to Ukraine and provides a Level 4: Do Not Travel notice .

Countries insist on travel insurance for many reasons, including unstable diplomatic relations or existing international agreements (like for those countries in the Schengen group).

In many cases, travel insurance requirements act as a contingency plan for both the traveler and the destination.

In some cases, you may not be allowed to enter a country until you satisfy insurance regulations. In others, a lack of insurance means you’ll incur the cost of any unexpected losses during your trip.

For example, if you experience a medical emergency while abroad, you’ll have to pay for all expenses out-of-pocket. Those without emergency evacuation coverage can also find themselves seriously in debt if they require extensive evacuation and medical treatment.

The best travel insurance plan includes the coverage you need to feel comfortable during your vacation. This may include trip cancellation coverage , missed flights, lost luggage, or health issues.

If you’re concerned about incurring unexpected losses, a comprehensive plan can be a worthy investment.

In most cases, your documentation will show that you have satisfied travel insurance requirements, so you shouldn’t need to carry copies of your insurance plan with you during your trip. However, make sure you keep documentation at home in case you need to file a claim once you get home.

Travel can be a big expense, and adding insurance to your budget may seem unnecessary. But you never know what might happen during your trip—whether it’s lost luggage, a medical emergency, or a missed flight, insurance can protect you from severe financial losses. If you can’t afford to lose the money you’ve saved for your vacation, travel insurance is undoubtedly worth it .

Is travel insurance mandatory for Europe?

If you’re traveling to a country in the Schengen group, you must purchase travel insurance before your trip. For other countries in Europe , you’ll need to comply with the regulations set by each nation. It is not required for travel to some countries, such as when traveling to Ireland .

Is travel insurance mandatory for international travel?

Insurance is not mandatory for all international travel. If your destination has no insurance regulations for visitors from other countries, you don’t necessarily need to purchase a plan. However, insurance is strongly recommended for international travel in all cases, as it may protect you from financial losses if you incur unexpected losses.

What travel insurance do I need?

The travel insurance you need depends on your destination and the personal risk you’re willing to take. If you’re traveling to a country with insurance requirements, you must comply with all regulations before your visit. Any additional coverage is extra protection for unexpected losses. In the event of a cancellation, lost luggage, or medical emergency, travel insurance can be well worth the addition to your trip cost.

About the Author

Sarah Stasik is well versed in personal finance thanks to her previous role as a Revenue Cycle Manager for a Fortune 500 healthcare company. Using her inside knowledge and expertise, Sarah often covers topics ranging from insurance and the economics of private healthcare to personal finance and small business management.

With more than a dozen years of writing experience, Sarah has tackled niches that range from technical advances in fintech to personal budgeting challenges. She has covered topics such as insurance and the economics of private healthcare, small business management and accounting, and credit and savings. Her writing focuses on making complex or seemingly daunting financial topics more accessible and providing helpful and relevant resources for readers.

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Health Insurance in Greece for Expats and Foreigners

An essential guide to navigating healthcare in greece.

Greece is becoming a popular option for people who want to live or retire in Europe. This Mediterranean country is known and loved for its sunny climate, rich culture, and 6,000 islands. Its low cost of living makes it one of the most affordable EU countries. And there are more ways than ever for foreigners to live in Greece. Greece has recently created visa options for digital nomads and expatriates. Their Financially Independent Persons visa is attractive to retirees. However, the healthcare system in Greece is complex. To live there long term, you want a good understanding of the Greek healthcare system and options for health insurance for expats in Greece .

Health Insurance for Expats in Greece

The best health insurance for expats in Greece is a private international health plan that meets the Schengen area requirements. Greece is one of the 27 countries that are a part of the Schengen area , and requires expats and visitors to show proof of insurance before applying for a visa.

Health Insurance is a Requirement for Expats in Greece

Both visitors and immigrants need health insurance. Almost all Greek visas require proof of medical insurance. This is part of registering as a resident in Greece if you’re there for more than three months. You need to buy your health insurance before you submit your visa application so that you can provide proof. If you are in Greece at the time, you will be able to buy health insurance there.

For Greece, you provide proof by completing a Health Insurance Declaration Form. Your Greek embassy will provide this. You will need to confirm that you have at least 30,000 Euros of medical coverage and that your policy includes medical repatriation if necessary. If your health insurance doesn’t meet these standards, you will not be allowed to live in Greece.

Private and Public Health Insurance Options for Expats in Greece

Some foreigners in Greece are eligible for public health insurance. However, most expats prefer private health insurance. Learn about the differences and benefits of each type of coverage for Greece.

Private Health Insurance Plans in Greece

Experienced expatriates agree that, when living in Greece, a private health policy with international coverage is a must. It means that you can get quality private care, when you need it from providers who speak your language. International health insurance also provides vital transportation and repatriation coverage. Public healthcare in Greece does not cover that at all. And with international insurance, you can choose coverage for the time you spend in nearby countries, too.

Best Private International Insurance Plan for All Nationalities

Cigna Global Insurance Plan

• The flexibility to tailor a plan to suit your individual needs
• Access to Cigna Global’s trusted network of hospitals and doctors
• The convenience and confidence of 24/7/365 customer service

Public Health Insurance Plans in Greece

To access public healthcare in Greece, you must be eligible for national or social insurance through a healthcare organization. For Greek citizens, this is often based on your profession or employer. Social insurance provides basic healthcare and supplemental healthcare through different insurance options and schemes, such as the Social Insurance Institute (EFKA, previously called IKA). Social insurance may combine government and private insurance options.

Greece’s Universal Healthcare System

The Greek healthcare system is based on government care. Universal healthcare in Greece is provided by the National Healthcare Service, the ESY (in Greek: Εθνικό Σύστημα Υγείας, ΕΣΥ). This includes care centered around 238 hospitals to serve a population of 11 million. The National Organization manages the ESY for the Provision of Health Services, the EOPYY, and is managed by the Ministry of Health .

Public health insurance in Greece involves filling out forms and navigating a complicated bureaucracy. The process includes registering with EOPYY, the national health insurance organization, and obtaining a national insurance number, or AMKA.

Is Greece’s Universal Healthcare System Free to Citizens?

Well, emergency healthcare is free. Other healthcare can be free or low-cost when you are paying into a national insurance plan. If you are not part of a national insurance plan, you must pay out of pocket for many health services in Greece. There is some coverage for people with an AMKA who are unemployed or refugees, focusing on basic healthcare and subsidized medicines.

The Cost of Health Insurance in Greece

Foreigners who are living and working in Greece may be paying into a national insurance plan. If you are employed in Greece, 14% to 24.33% of your wages go into government social security, boosted by national insurance contributions up to €650. This pays for your public national insurance and health services through it.

Because Greece has universal care, people often ask if healthcare is free in Greece for foreigners. It can be free or subsidized under some circumstances.

• For foreigners living in Greece, some healthcare can be free. If you are a citizen of an EU country with a European Health Insurance Card, you can access the Greek health system for a limited time.
• Some U.K. citizens living in Greece who are drawing a UK state pension can access certain public healthcare in Greece via an S1 form .
• Basic emergency care is free for foreigners.

What if you get sick in Greece as a foreigner, and it’s not an emergency? When you are treated for a standard illness or injury, you must provide either an AMKA or direct payment immediately. You may even be asked to pay in cash.

If you’re moving to Greece or applying for any kind of visa, we recommend getting in touch with your local Greek embassy . They can tell you more about the healthcare requirements for your visa and nationality in Greece.

Can an American Access Free Healthcare in Greece?

Americans can and should get health insurance in Greece. Private health insurance is needed because most Americans have limited or no access to the public healthcare system. The cost of private medical insurance is comparable to U.S. insurance, sometimes less.

Some Americans may be able to get public healthcare as well as emergency care in Greece. Dual citizens, or long-term residents with visas, can get an AMKA, opening up basic coverage. If your coverage is basic, or you have not been working in Greece, expect to pay additional fees for care, doctor’s visits, and specialists.

Many Americans living in Greece don’t have access to public health services there. Without an AMKA in Greece, you need to pay for all medical care when you receive it.

If you are from the U.S., your standard U.S. health insurance won’t cover you while you are in Greece. You need to pay for international coverage.

Does US Medicare Provide Coverage in Greece?

Standard Medicare will not cover you outside of the United States. If you are overseas as a short-term traveler, you may purchase Medigap insurance through Medicare for limited coverage. But you cannot move to Greece to live and rely on Medicare for your healthcare costs. You will need a global medical policy.

Best Private International Health Insurance Plan for US Citizens

Xplorer Worldwide Medical Plan

• Premium Benefits, Coverage and Service
• Define your deductible and prescription benefits
• For Foreigners in the US or US citizens abroad

Best Health Insurance in Greece for Non-Residents

For foreigners in Greece to access private health in private hospitals, you need private health insurance. A private care plan is also your best bet to avoid long waiting times and to gain access to specialist care.

Health Insurance If You Live In Greece Part-Time

Some expats live in Greece part-time every year. Under Greece’s Financially Independent Person (FIP) visa, you may own property in Greece that you live in for part of the year. Or you may spend time with Greek family and friends around important holidays.

If you expect to live in Greece part-time, you need health insurance to cover you both in Greece and in your home country. Talk to your insurance advisor about options to give you the healthcare coverage you need.

Plans for Students at Colleges and Universities in Greece

Students with student visas can get basic public health coverage in Greece. However, students benefit from international student health insurance. The challenges of navigating healthcare are as real for students as they are for other expatriates. Students also need repatriation insurance and supplemental hospital care coverage, which is only available privately.

• Standard and Platinum level benefits available.
• Coverage for individuals and groups and their dependents.
• Freedom to seek treatment with hospital or doctor of your choice.

Travel Insurance for Short-Term Visitors to Greece

If you are visiting Greece for the short term, travel insurance may provide what you need. Most travel insurance covers full emergency medical treatment plus repatriation or evacuation needs. Travel insurance also offers options such as adventure coverage for boating, water skiing, diving, or rock climbing.

Also Read: Insurance for Travel to Greece

Group Medical Insurance in Greece for International Employees

Global group medical insurance is available for international employees, volunteers, remote teams, and expatriates.

Global Benefits for Organizations

• Offering group plans for international health, life and travel
• Request a quote from the leading insurers around the globe
• A licensed agent will provide quotes and expert advice

Global Medical Care in Greece

In Greece, private clinics and hospitals look very different from the time-worn public facilities. Yet they both provide good to excellent care. Often, the quality is exactly equal because both public providers and private clinics may employ the same doctors. It’s likely to be easier to get an appointment at a private clinic.

Severe measures back in 2011 impacted healthcare funding in Greece. Since then, Greek citizens have started to rely more on private health insurance. Up to 17% of Greek households invest in private health insurance. The World Health Organization notes that 35% of healthcare spending in Greece is families paying for their own private healthcare. This includes both private health insurance and payment of fees not covered by social insurance.

Did you know that Greece has the most pharmacists per person of any country in Europe? If you need medical help in a hurry or have one or two health questions, ask at a pharmacy. Almost all medications are only available through pharmacies, even aspirin. Greek pharmacists are allowed to dispense products that are sometimes only available with prescriptions in other European countries. All over Greece, one of the many pharmacies will be open around the clock.

How to Find a Family Physician or GP in Greece

It can be simple to connect with a family physician or GP in Greece. Expats from the U.S. or the U.K. can visit their embassy websites for lists of medical professionals who speak English. If you are seeking medical care in the countryside or on remote islands, it will be harder to find providers who speak English.

• Medical Assistance for US Citizens from the US Embassy
• List of Medical facilities in Athens and mainland Greece by the U.K. Foreign, Commonwealth & Development Office

How much does it cost to see a doctor in Greece if you are a foreigner? Online doctors and clinics catering to tourists can give a quick consultation starting at $25 (€24) to help with minor problems. Formal appointments with a GP or specialist range from $65 (€60) to $163 (€150), sometimes more.

When paying privately for doctor’s visits, or getting services from pharmacies, expect a wide range of costs. Some travelers report paying premiums for medications in tourist areas or on remote islands.

How to Get Hospital Care in Greece

Hospitals are accessible in Greece, and health services of all kinds are concentrated there, especially in rural areas. Your GP may refer you to a hospital, or you may take yourself there with an illness or emergency.

What if you need help to get to the hospital? In large cities, call 112 for an emergency or 166 for an ambulance. Public ambulances may not be covered as part of free emergency care – or available at all. A private ambulance van within Athens starts at $60 (€55). (And you need to ask for the van specifically, or your paramedic may arrive on a motorcycle!) Medical transport may be expensive from the islands, where getting to the nearest hospital may require a boat ride or airplane ticket.

Even for visitors, emergency care in Greece is free for a life-threatening injury or illness. But many foreigners find free care difficult to navigate, especially if they are in the country on their own, without family. Due to the shortage of nurses in Greece, public hospitals reduce their staff overnight and on the weekends for standard wards. Because of this, patients are expected to bring their own carer to the hospital. Be sure that your health insurance plan for Greece covers this extra cost.

In Greece, health insurance with international coverage will get you the care you need and provide peace of mind.

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Author: Emily Cotlier is a senior editor at International Citizens Insurance . She has made the move from the U.S.A. to New Zealand. For International Insurance, she clarifies international visa and immigration requirements, shares travel resources, and advises on relocation challenges. She’s traveled through five continents and Oceania, and she still loves to travel both in Aotearoa New Zealand and around the world.

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Top Three Options for Travel Insurance to Greece

Byron Mühlberg

Monito's Managing Editor, Byron has spent several years writing extensively about financial- and migration-related topics.

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Greece is a land of wonders and ancient treasures that has captured the imaginations of foreign visitors for centuries. These days, travelling to Greece is an accessible and affordable holiday for many people, and although healthcare costs in the country are lower than in the US or many other European countries, they can still stack up extremely fast, so it's still a very good idea to arrive in the country with travel insurance anyway.

Fortunately, there are many online international insurance companies (known as 'insurtechs') that specialize in cost-savvy travel insurance to Greece and other countries worldwide. In our list below, we explore the three that we think offer the best deals for younger travellers, adventurers, and everyday holidaymakers looking for wide but affordable coverage.

Heading to Greece soon? Don't forget to check the following list before you travel:

• 💳 Eager to dodge high FX fees? See our picks for the best travel cards in 2023.
• 🛂 Need a visa? Let iVisa take care of it for you.
• ✈ Looking for flights? Compare on Skyscanner !
• 💬 Want to learn Greek? italki is an excellent way to take one-on-one online lessons.
• 💻 Want a VPN? ExpressVPN is the market leader for anonymous and secure browsing.
• 🏦 Wondering when to go? See the best months to travel .

Top Three Travel Insurances for Greece

• 01. Best coverage for youth — SafetyWing scroll down
• 02. Best for aventurous travel — PassportCard Nomads scroll down
• 03. Best all-round travel and medical coverage — Insured Nomads scroll down
• 04. FAQ about travel insurance for Greece scroll down

Best for Youth ⁠— SafetyWing

World-famous for its beaches, resorts, food, sailing, nightlife, and outdoor experiences, it should come as no surprise that Greece is a popular destination for young holidaymakers too. However, when it comes to travel insurance, young people are the most likely age category to neglect taking out a policy before travelling — largely because of the costs involved.

Fortunately, not all travel and travel insurance providers are expensive, and some, such as SafetyWing , are geared toward a younger age group altogether. Known for its focus on insuring nomads and remote teams, SafetyWing is an online insurance provider offering some of the best pricing for international travel insurance on the market. It offers decent coverage at a very affordable rate, which makes it stand out as an excellent choice for travel insurance in Greece ⁠— no matter where you're travelling from!

SafetyWing offers one standard plan for international travellers, though the pricing differs by age group. Below, we focus only on the youth category (18 to 39 years old) as we believe this is where SafetyWing's offer is most interesting.

Plan: Insurance for nomads

Price: Starting at $42 per person, per month.

Term duration: Up to 364 days.

Eligibility:

• Between 18 and 39 years (for the basic plan).
• You cannot be travelling in the US during your trip.

Coverage: SafetyWing's basic travel is comprehensive and includes both medical- and travel-related benefits. A few highlights include:

• COVID-19 coverage¹.
• Hospital, ICU, and ambulance coverage².
• Emergency dental coverage.
• Physical therapy and chiropractic coverage.
• Travel interruption and delay coverage.
• Evacuation (medical or emergency political) coverage.
• Lost luggage up to $3,000.

Deductible: $250.

Maximum limit: $250,000.

Best for: Because of its low costs and low barrier to entry (you only need to sign up online ⁠— which you can even do when you're already travelling!), we think SafetyWing is the best travel insurance for Greece for younger travellers looking to keep costs low while still getting decent coverage. However, if you're older than 39 years or you're looking for more coverage and don't mind paying a higher price, then we recommend looking at the options below.

¹ Covers testing and quarantine under certain conditions ² High-risk sports, pre-existing conditions, and cancer treatment aren't covered.

Best for Adventure ⁠— PassportCard

Although not its most famous draw, Greece attracts many visitors every year for its outdoor adventure, from skiing in Parnassos to kayaking around Crete. However, many travel insurance providers don't cover sports accidents — especially if they're risk-prone sports such as skiing or hiking.

PassportCard Nomads is an online travel insurance provider aimed at expats and digital nomads which includes sports accident coverage. On its most basic plan — PassportCard for Digital Nomads — customers benefit from travel insurance in Greece up to six months, during which time they enjoy a range of unique insurance perks for people on the go, including camera, baggage, and laptop insurance, as well as search and rescue coverage.

PassportCard comes with three plans, all of which come with a red travel insurance card and a unique insurance number to show to the doctor. Below, we break down the Starter Plan:

Plan: PassportCard for Digital Nomads

Price: Starting at $59 per person, per month.

Term duration: Up to six months.

Coverage: PassportCard covers all the basics and goes above and beyond when it comes to travel:

• Emergency coverage.
• Medical coverage.
• Pregnancy (up to 12 weeks).
• Search and rescue.
• Sports accident coverage.
• Theft of camera, laptop, or baggage.

Deductible: $0

Maximum limit: $500,000.

Best for: Because of its higher limit of liability and no deductible, we think PassportCard Nomads is best for travellers looking for a low-cost travel insurance plan with wide coverage — especially if they stand to benefit from more adventurous coverage such as outdoor sports and camera and laptop insurance.

Best Overall Coverage ⁠— Insured Nomads

For most people, visiting Greece is all about relaxation, fine food, and cultural heritage. From relaxing on a Cycladic island to trying out regional variations of souflaki to ascending the Acropolis itself, Greece offers a lot to the everyday tourist.

Aimed at travellers, remote workers, and globetrotters alike, Insured Nomads is another savvy insurtech platform offering travel insurance for Greece that's ideal for extensive medical- and travel-related coverage. Founded and run by expats around the globe, Insured Nomads offers an impressive range of travel insurances, including a larger scope of medical-related coverages than the other providers in this article.

We go over Insured Nomads' basic plan below:

Plan: Travel Insurance World Explorer

Price: Starting at $84 per person, per month.

Term duration: One trip of between 7 and 364 days.

• You cannot travel to Greece via Cuba, Iran, Syria, Sudan, North Korea, or the Crimea region.

Coverage: This plan offers a fairly comprehensive set of medal benefits and coverage for a basic travel insurance plan in Greece. These include:

• Online consultation (telemedicine).
• Medical, emergency, and accident coverage.
• Outpatient and inpatient care.
• Medical transportation coverage
• Evacuation and repatriation.
• Life insurance.
• Adventure sports and marine activity coverage.
• Electronics, camera, cellphone, and sports equipment coverage.
• Flight delay provisions.

Deductible: $0, $100, $250, or $500 based on selection.

Maximum limit: $250,000, $1,000,000, or $2,000,000 based on selection.

Best for: Although easily the priciest of the three plans on this list, we think Insured Nomads gives the best combination of medical- and travel-related coverage, making it an ideal option for travellers to Greece looking for comprehensive benefits all around. (Insured Nomads also offers an even more comprehensive global health insurance plan for expats for those who plan to live in Greece for an extended period of time.)

Frequently Asked Questions About Travel Insurance for Greece

No, you'll not be required to take out travel insurance for Greece. However, we strongly encourage you to do so anyway, because the cost of healthcare in Greece can be high, and taking out travel insurance will mitigate some or all of the risk of covering those costs yourself if you need medical attention during your stay.

Yes, medical travel insurance is almost always worth it, and we recommend taking out travel insurance whenever visiting a foreign country. Taking out travel insurance will mitigate some or all of the risk of having to cover those costs yourself in case you need medical attention during your stay.

Health insurance doesn't cover normal holiday expenses, such as flights and hotels, but in case you run into medical trouble while abroad, it may cover some or all of your doctor or hospital expenses while overseas. However, not all health insurance providers and plans offer coverage to customers while abroad, and that's why it's generally best to take out travel insurance whenever you travel.

Although there's overlap, health and travel insurance are not exactly the same. Health insurance covers some or all of the cost of medical expenses (e.g. emergency treatment, doctor's visits, etc.) while travel insurance covers costs that are commonly associated with travelling. This can (and usually does) include medical expenses, but it also often includes coverage for personal belongings, as well as other benefits.

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Does my health insurance cover international travel.

Private health insurance typically doesn't cover international travel expenses.

Can Health Insurance Cover Trips Abroad?

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Be prepared for unforeseen healthcare expenses when traveling abroad.

U.S. health insurance plans typically do not cover regular and routine medical care required overseas. This means your health insurance won't pay for care if you need to visit a doctor for a prescription medicine, or if you need treatment for a condition that is not considered an emergency.

Most individual health insurance policies in the U.S. do not provide coverage for overseas emergency care, either. Without that coverage, if you break a leg or your travel companion has a heart attack during your trip, you will not have financial protection against the medical expenses that accrue. To know for sure what your plan entails, call your individual health insurance company to find out what is and isn't covered.

Does Medicare cover international travel?

If you have Medicare coverage, the lack of overseas protection you have is even more cut and dry. Medicare rarely pays for medical care you receive while traveling outside the United States, according to the U.S. Department of State. However, Medicare may pay for some inpatient hospital stays, doctor visits, ambulance services or dialysis care you receive in a foreign country "in rare cases." Possible scenarios include the following:

• You are in the U.S. when the emergency occurs, but a foreign hospital is the closest one that can treat you.
• You are traveling through Canada on a direct route to Alaska and a medical emergency takes place in a region that is closest to a hospital in Canada.
• The U.S. government also says you may get Medicare coverage overseas "if you live in the U.S. and the foreign hospital is closer to your home than the nearest U.S. hospital that can treat you, regardless of whether you have a medical emergency."

In any of these scenarios, however, Medicare only pays for medical expenses Medicare would normally cover if you were in the U.S. Unfortunately, it may be difficult to know which services are and are not covered before you receive treatment, particularly if you are in an emergency medical situation where timing is critical.

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How to get health insurance for international travel

There are two main options when it comes to acquiring health coverage for international travel: travel insurance or a travel credit card with (limited) health insurance.

Consider an international travel insurance policy

To decide whether or not you should purchase health insurance for your trip abroad, take a look at the best international travel insurance policies and what they offer in the following categories:

Medical coverage: If you wind up needing medical treatment abroad, you'll be glad you have a travel medical insurance plan in place. With a medical insurance policy for overseas, you can get emergency medical treatment where and when you need it – and without arriving home from your trip to a mountain of overseas medical debt.

You will want to compare travel medical insurance plans to make sure you have adequate coverage limits for everyone on your trip. Either way, some of the best travel health plans come from companies like Allianz Travel Insurance, GeoBlue, Seven Corners, Trawick International and WorldTrips. As an example, a Travel Medical Plus plan from Seven Corners lets you secure international medical coverage in amounts up to $5 million.

Coverage for preexisting conditions: Some travel insurance companies provide coverage for preexisting conditions. In most cases, you must purchase your travel insurance within a specific amount of time after making your initial trip deposit for preexisting conditions coverage to apply. With the Allianz OneTrip Emergency Medical Plan, for example, you must purchase travel coverage within 14 days of making your first trip payment in order for preexisting conditions to be included.

Other conditions can apply when you're trying to get coverage for preexisting medical conditions as well, so be sure to read the fine print when comparing options.

Medical evacuation coverage: Be aware that, even if your own health insurance plan in the U.S. provides some coverage for emergency care overseas, you will not have emergency coverage for medical evacuation. The U.S. Department of State points out that medical evacuation can cost $50,000 or more in many countries depending on your location and the care you need.

Fortunately, most travel insurance companies with travel medical insurance also provide coverage for emergency medical evacuation and repatriation of remains. This coverage comes in varying amounts depending on the insurance company and plan you select.

Cancel for any reason coverage: Having overseas medical coverage is crucial when you're planning trips abroad, but you should know that a comprehensive travel insurance plan can give you even more peace of mind. Common coverages in these plans include trip cancellation and interruption insurance, flight delay or cancellation coverage, baggage insurance, personal liability insurance, and more.

You can even opt for a plan with "cancel for any reason" or CFAR coverage that lets you cancel your trip and get a percentage of your trip cost back for any reason at all – even if you just decide to stay home. In addition to single-trip plans, you can also find multitrip travel insurance policies and annual travel insurance plans .

Compare travel insurance plans and get a quote .

Consider a credit card with travel insurance

Some travel credit cards include health insurance, albeit limited and with restrictions. For example, the Chase Sapphire Reserve covers up to $100,000 in medical evacuation expenses, but only if your trip is booked using the card. This credit card comes with a premium annual fee of $550, however, so you'll have to weigh the benefits and drawbacks alongside the health coverages.

Why Trust U.S. News Travel

Holly Johnson is a veteran travel writer who has visited more than 50 countries in the world over the last decade. She covers a range of destinations and travel types, as well as travel insurance policies through major providers. Johnson purchases travel insurance for her own family and has successfully filed several travel insurance claims for trip delays and trip cancellations over the years. Johnson also works alongside her husband, Greg – who has been licensed to sell travel insurance in 50 states – in their family media business.

You might also be interested in:

• Is Travel Insurance Worth It?
• The Best COVID-19 Travel Insurance Options
• The Best Travel Insurance for Seniors and Retirees
• The Best Expat Travel Insurance Options
• How to Get Airport Wheelchair Assistance

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