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Travel insurance for Greece

It's a place known for its scorching summers, beautiful white buildings, and thousands of surrounding islands to explore. A holiday to Greece can be a great way to relax in the sun, or have an adventure of a lifetime. Getting travel insurance is a great way to ensure that your Mediterranean getaway is covered.

If you're already convinced, just click 'Get a quote'. But, if you want to learn more about Greece travel insurance, scroll down to find out everything you need to know.

Landmarks in Greece

Important information

All insurance products exclude cover for known events. These are global events that can put you in danger and/or disrupt travel. The Covid-19 pandemic is an example of this. This exclusion applies if the event was declared as a 'known event' when you bought your insurance.

If you travel against Foreign, Commonwealth and Development Office (FCDO) advice, you won't be covered for any travel insurance you buy. It applies if you fail to comply with your destination's entry requirements.

There are no current travel advisories in place for Greece*.

*Correct as of November 2024

Do I need travel insurance for Greece?

The truth is, it's not a legal requirement. But, travel insurance can offer financial protection if things go wrong.

Lost luggage, unexpected cancellations, and medical emergencies can all be covered under a good insurance policy. So, if something goes wrong, you're safe in the knowledge that you're financially protected.

Choosing the right policy for your Greek holiday

It's always best to check policy documents before you buy to make sure all your needs are covered. Here's some different options for travel insurance and what they cover:

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Single-trip insurance

If Greece is your only holiday of the year, single-trip insurance could be a good option.This policy type is ideal for one-off holidays.

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Multi-trip insurance

Also known as annual insurance, this lasts for 12 months and covers an unlimited amount of trips. It's great for those who travel more regularly.

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Backpackers insurance

This offers a longer trip duration. It often covers a broader range of activities, and you can choose optional cover for activities like scuba diving or bungee jumping.

Getting the right policy depends on:

  • Who you're travelling with.
  • How many times you're planning to travel.
  • What you plan to do during the trip.
  • Your age and any existing medical conditions.

What our travel insurance expert says

"Greece is one of the most popular destinations for British holidaymakers in Europe. But, popular tourist activities like scuba diving or hiking might not be covered by standard travel insurance. If you're considering buying an insurance policy before your trip, it's worth looking into whether you need any enhanced cover. This normally comes at an added cost, but can offer you peace of mind that if things go wrong, you're financially protected."
Alvaro Iturmendi - Confused.com travel insurance expert
Travel insurance expert Confused.com logo

What does Greece travel insurance cover?

It depends on the provider, policy and your personal circumstances. The lists below show what typically is, and isn't, covered:

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What's normally covered:

  • Medical emergencies and repatriation. Accidents and emergencies can happen to anyone, and repatriation means you can get home in an emergency.
  • Cancellation cover. If your trip is unexpectedly cancelled or cut short, insurance means you're not left out of pocket.
  • Baggage cover provides financial protection against theft, accidental damage or loss of personal belongings.
  • Travel disruption. This means your insurer should reimburse you if you miss departures due to unforeseen circumstances, unused accommodation and enforced stays if your transport fails.
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What's not normally covered:

  • Known events such as natural disasters or extreme weather, such as the wildfires in Greece that occurred in the summer of 2023.
  • Extreme sports and activities, like winter sports or water sports.
  • Accidents and medical incidents that occur under the influence of drugs or alcohol.
  • Travelling against FCDO advice. If the FCDO has warned travellers against visiting a certain country, and you go anyway, you won't be covered.
  • Undeclared pre-existing medical conditions. You should always declare any existing medical conditions to your provider, even if the condition is well-managed.

Medical care in Greece

If you need medical care while in Greece, here are some useful things to know:

  • Healthcare is generally to a good standard on the Greek mainland, but there may be more limited care on smaller islands.
  • The emergency number for Greece is 112 or 166, but there are limited ambulances available, especially on the islands.
  • Nursing and aftercare might not be to the same standard as in the UK.

The UK government offers a range of advice for British visitors if they're hospitalised in Greece.

Travel insurance for popular activities in Greece

Whether you fancy yourself an Olympian in Athens, or you're just a bit of a thrillseeker, Greece has a wide range of sports and activities to enjoy. These activities aren't usually covered by standard insurance, so it's worth looking at specialist policies, or add-ons. You can get specialist adventure travel insurance to cover extreme sports and other high-risk activities:

  • Hiking is a popular choice of activity for many people travelling to Greece. Greece is known for its picturesque landscapes, making it the perfect place to go exploring. Steni Village in Evia is an ideal hiking destination, perched on the slopes of Mount Dirfys. If you're planning on hiking during your trip, a hiking travel insurance add-on is worth considering.
  • Want to dive straight in? Greece is surrounded by sea, so water activities are extremely popular. Scuba diving is a favourite tourist activity, with visitors flocking to the Aegean, Ionian and Cretan Sea. You can explore what's known as an 'underwater museum' in Leros, diving beneath the surface to see the 8 shipwrecks located there. Consider a scuba diving insurance add-on to cover your underwater adventures.
  • If you're a fan of rock climbing, make sure Meteora is on your list. Just 4 hours north of Athens, the town offers some of the most memorable climbing experiences for tourists. It's worth considering travel insurance for rock climbing to make sure you're covered.
  • If you want to hit the slopes, skiing is another popular activity. The National Ski Centre of Vasilitsa in Grevena is a great location for visitors to go skiing and snowboarding. You'll need a winter sports insurance add-on if you want to make sure you're covered on the slopes.

These activities aren't usually covered by standard insurance, so it's worth looking at specialist policies. You can get specialised adventure travel insurance to cover extreme sports and other high-risk activities.

Do I need a visa to travel to Greece?

Greece is in the Schengen Area, so anyone travelling on a British passport doesn't need a visa as long as you're not staying for more than 90 days in a 180 day period. If you're planning a longer stay, you can apply for a visa at GOV.UK.

You should have your passport stamped on entry and exit so that border officials can check you haven't exceeded the 90 day limit.

Helpful tip: The European Travel Information and Authorisation System (ETIAS) will be introduced in 2025. This will work similar to a visa and will be an entry requirement for countries in Europe or the Schengen Area, including Greece.

Tips for travelling in Greece

When travelling in Greece, there are some important things to note:

  • Language: Greek is the official language of Greece.
  • Money: Greece uses the Euro as its currency. To avoid high exchange rates while away, you can use official bank ATMs and withdraw cash in the local currency.
  • Time difference: Greece's time zone is Eastern European Summer Time (UTC+2) and Daylight Savings Time (UTC+3). This means that Greece is normally 2 hours ahead of the UK.
  • British embassy: The British embassy is located in Athens. The British embassy can help you if you need to replace your passport if it's lost or stolen, are a victim of a crime, or have been hospitalised or arrested.
  • Safety: It's good to be aware of any extreme weather and natural disasters that could affect your trip. Greece deals with a high risk of wildfires between April and October, so it's good to keep on top of safety information before you go.

Driving in Greece

If you plan to bring your own vehicle or rent a car, you should be aware that driving in Greece is very different to the UK.

You must be 18 years or older and hold a full, valid UK driving licence to legally drive in Greece. The local authorities accept licences issued in all EU and EEA countries.

If you're planning on bringing your own car to Greece, you'll need to bring a few documents with you. These include:

  • Your V5 registration document.
  • Proof of ID.
  • Motor insurance certificate.
  • Your driving licence.

All vehicles registered in the UK must display 'UK' when driving in Greece. This can be within your registration plate, or as a separate sticker.

Frequently asked questions

Is Greece in Europe for travel insurance?

Yes, Greece will be covered by annual European travel insurance. If you're buying insurance with plans to visit Greece and another country outside of Europe, you'll need to get worldwide travel insurance.

If you have a European Health Insurance Card (EHIC) or Global Health Insurance Card (GHIC), you'll be able to access state level medical care. As a UK or EU tourist with a GHIC or EHIC, you get this for the same price a citizen would pay. It's worth noting the EHIC is not a replacement for travel insurance as it won't cover everything. Things like loss and damage of personal belongings and repatriation costs won't be covered by an EHIC.

Does Greece travel insurance cover the surrounding islands?

Yes, Greece travel insurance covers all of Greece and its islands, including:

  • Rhodes
  • Corfu
  • Crete
  • Santorini
  • Mykonos
  • Zante

So you can enjoy everything Greece has to offer, knowing you're covered.

Need more help with your trip to Greece?

Page last reviewed: 20 November 2024

Reviewed by: Alvaro Iturmendi

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