Find Perfect Travel Insurance for Greece in 2 Minutes
Compare 10+ trusted providers. Get Schengen-compliant coverage from €22. Real reviews from 20,000+ travelers.
Greece promises unforgettable memories – from exploring the Acropolis to watching Santorini sunsets. But even the best-laid plans can encounter turbulence: sudden illness, weather delays, or medical emergencies on remote islands can turn dreams into costly ordeals.
Schengen Visa Requirement
The Hidden Risks
- • US health insurance rarely covers abroad
- • Island medical evacuation can cost €50,000+
- • Many islands only have private clinics
- • Ferry cancellations can strand travelers
Your Protection Shield
- • Emergency medical up to €8 million
- • Medical evacuation coverage
- • Trip cancellation protection
- • 24/7 assistance in any crisis
2025 Update: Starting mid-2025, US/UK citizens need ETIAS authorization (€7 fee). While ETIAS doesn't require insurance, Greek officials may still request proof of coverage at entry.
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Matching Plans
€30,000 minimum
Medical coverage required
Full trip duration
No gaps allowed
All Schengen states
Must cover entire zone
Repatriation included
Emergency evacuation
We've analyzed 20,000+ customer reviews and personally tested claims processes with each provider.
Our team includes former insurance adjusters who understand what really matters in a policy.
We update prices and coverage details daily to ensure accuracy.
Disclosure: We earn commissions from some providers, but this doesn't affect our rankings.Learn more
Best for: Adventure travelers and extreme sports enthusiasts
€145-280
per trip
Comprehensive coverage for active travelers with 200+ covered activities.
Pros
- •Best adventure sports coverage
- •Can buy while already traveling
- •Gear and equipment coverage
- •Flexible extension options
Cons
- •Higher premiums
- •Not available to EU residents
- •Age restrictions apply
Best for: Travelers prioritizing comprehensive medical coverage
€125-250
per trip
Premium coverage with industry-leading evacuation limits and exceptional customer service ratings.
Pros
- •Highest medical and evacuation limits
- •24/7 in-house assistance team
- •Fast claims processing (under 30 days)
- •No age restrictions
Cons
- •More expensive than competitors
- •Limited coverage for extreme sports
Best for: Seniors and travelers with health concerns
€350-500
per trip
Premium medical coverage ideal for older adults needing robust health protection abroad.
Pros
- •Excellent for seniors and pre-existing conditions
- •Very high medical coverage ($500,000)
- •Maximum evacuation limit ($1,000,000)
- •Specialized in international health
Cons
- •More expensive than average plans
- •Pre-existing waiver requires early purchase
- •May be overkill for young healthy travelers
Best for: Digital nomads and long-term budget travelers
€56-112
per trip
Affordable subscription-based insurance perfect for extended stays in Greece.
Pros
- •Most affordable option
- •Flexible monthly payments
- •Automatic renewal option
- •Free coverage for 2 children under 10
Cons
- •No trip cancellation coverage
- •$0 deductible only for new customers
- •Limited adventure sports coverage
Best for: Families and travelers wanting reliable comprehensive coverage
€100-225
per trip
Well-established provider with strong coverage and good technology.
Pros
- •Strong financial backing
- •Comprehensive coverage options
- •Good mobile app
- •Family-friendly plans
Cons
- •Not the cheapest option
- •Some exclusions for older travelers
Best for: Budget-conscious travelers wanting reputable brand
€113-210
per trip
No-frills comprehensive policy from top-rated provider known for innovative claims payments.
Pros
- •Fast claims processing
- •Affordable comprehensive coverage
- •Concierge services included
- •Pre-existing condition waiver available
Cons
- •Lower medical limits than international plans
- •Lower evacuation limits
- •Limited adventure sports
Best for: Long-term travelers and those with medical conditions
€95-190
per trip
Flexible coverage options ideal for extended stays and island hopping.
Pros
- •High evacuation limits
- •Good for long trips (up to 180 days)
- •Pre-existing condition coverage available
- •Direct billing network
Cons
- •Complex plan selection
- •Lengthy claims process
- •Limited extreme sports
Best for: Travelers prioritizing access to healthcare networks
€95-220
per trip
Leverages extensive international network of doctors and hospitals across 180+ countries.
Pros
- •Large global network of medical providers
- •Includes dental care benefits ($500 injury, $250 pain)
- •COVID-19 tests and treatments covered
- •Specialist in international health insurance
Cons
- •Primarily medical plan - no trip cancellation
- •More expensive than basic medical plans
- •Limited adventure sports coverage
Best for: Travelers wanting established brand with comprehensive options
€110-250
per trip
Trusted global insurer with strong coverage and extensive assistance network.
Pros
- •Well-known global brand
- •Comprehensive coverage options
- •Good customer service reputation
- •Cancel for any reason available
Cons
- •Premium pricing
- •Some age restrictions on certain plans
- •Claims can take time
Best for: Visa applicants needing guaranteed Schengen compliance
€35-180
per trip
Specialized Schengen visa insurance with instant acceptance by consulates.
Pros
- •Instant visa letter generation
- •Low-cost options available
- •Accepted by all Schengen consulates
- •Full refund if visa denied
Cons
- •Basic adventure sports coverage
- •Customer service can be slow
- •Limited long-term options
Best for: Active travelers and adventure seekers
€160-320
per trip
Designed for thrill-seekers with coverage for wide range of adventure activities.
Pros
- •Specifically covers adventure sports
- •Sports equipment coverage included
- •High evacuation limit ($1,000,000)
- •CFAR option available
Cons
- •More expensive due to adventure coverage
- •Not ideal for non-active travelers
- •Some extreme sports still excluded
Best for: Business travelers and families
€125-280
per trip
Trusted global provider with comprehensive family and business coverage.
Pros
- •No age restrictions
- •Kids 17 and under covered free
- •Business equipment coverage
- •Annual multi-trip plans
Cons
- •Higher premiums
- •Limited trip length for annual plans
- •Basic adventure coverage
Best for: Travelers who want to compare multiple options
€85-200
per trip
Insurance broker platform offering easy comparison of multiple providers.
Pros
- •Compare multiple insurers
- •Easy comparison platform
- •Good customer service
- •Flexible plan options
Cons
- •Broker, not direct insurer
- •Claims through third parties
- •Limited adventure sports
Best for: International travelers needing visa-compliant coverage
€75-165
per trip
Broker specializing in international travel with focus on visa requirements.
Pros
- •Multiple plan options
- •Good for visa requirements
- •Instant policy delivery
- •Multi-lingual support
Cons
- •Complex plan comparisons
- •Limited adventure coverage
- •Average customer ratings
Best for: Budget travelers with basic coverage needs
€70-150
per trip
Basic coverage at competitive prices, but with mixed service reviews.
Pros
- •Budget-friendly options
- •Simple plan structure
- •Quick online quotes
Cons
- •Mixed customer service reviews
- •Slow claims processing reported
- •Limited coverage options
Understanding Your Shield: Key Insurance Features Explained
Covers unexpected illnesses or injuries during your trip, including doctor visits, hospital stays, surgeries, and medications. Critical since US health plans often don't work overseas.
Covers transportation to nearest suitable hospital or back to US if medically necessary. Island evacuations to Athens can cost €50,000+. Also includes repatriation of remains.
Reimburses pre-paid, non-refundable expenses if you must cancel before departing for covered reasons like illness, death in family, or severe weather.
Covers unused trip costs and extra transport if you must return early. Often provides 125-175% of trip cost to cover higher last-minute fares.
Reimburses meals, accommodation, and transport when delayed by covered reasons like weather or carrier issues. Essential for Greek island connections.
Covers loss, theft, damage to baggage and personal items. Also reimburses essentials if checked bags are delayed by carrier.
Time-Sensitive Benefits
Understanding Travel Insurance for Greece
EHIC/GHIC Coverage
What EHIC Covers
- State hospital treatment at local rates
- Emergency medical care
- Pre-existing condition treatment
What You Still Need
- Private healthcare (common on islands)
- Medical evacuation to mainland
- Trip cancellation/interruption
- Lost luggage and delays
- 25% prescription co-payments
Island-Specific Considerations
Many Greek islands have limited public healthcare facilities. Santorini, Mykonos, and smaller islands often require private clinic visits or helicopter evacuation to Athens for serious conditions. EHIC won't cover these significant costs.
Greece-Specific Insurance Considerations
Healthcare quality varies significantly by island:
- Major Islands (Crete, Rhodes): Good hospitals
- Tourist Islands (Santorini, Mykonos): Private clinics only
- Small Islands: Basic health centers, evacuation often needed
Common activities needing coverage:
- • Water Sports: Sailing, windsurfing, jet skiing
- • Scuba Diving: Check depth limits (usually 30-40m)
- • ATV/Scooter: Major cause of tourist injuries
- • Hiking: Samaria Gorge, volcano tours
- • Boat Trips: Day cruises, island hopping
Most frequent insurance claims:
- 1. Scooter accidents (€2,000-50,000)
- 2. Ferry cancellations (€200-500)
- 3. Food poisoning (€500-2,000)
- 4. Lost luggage (€500-1,500)
- 5. Sunstroke/dehydration (€300-1,000)
Choosing the Right Shield: Expert Tips for Selection
Trip Investment
Calculate total non-refundable costs (flights, hotels, tours). This determines minimum trip cancellation coverage needed.
Health Status
Consider age and pre-existing conditions. Prioritize robust medical/evacuation limits if you have health concerns.
Planned Activities
City tours vs adventure sports? Ensure coverage for hiking, scuba, sailing if planning active pursuits.
Risk vs Budget
Balance financial risk tolerance with premium costs. Focus on value provided relative to your potential risks.
Don't rely on quotes from just one or two providers. Utilize comparison platforms to:
- Get personalized quotes from multiple insurers simultaneously
- Compare plans side-by-side with coverage limits and features
- Filter results based on your most important benefits
- Read customer reviews and provider ratings
Recommended Comparison Sites:
Squaremouth, InsureMyTrip, VisitorsCoverage, AARDY
Time-Sensitive Benefits
Policy Details to Review:
- • Specific coverage limits and sub-limits
- • Definitions of "covered reasons" for cancellation
- • Exclusions (what the policy doesn't cover)
- • Claims process and required documentation
- • Free look period (typically 10-14 days for refund)
Provider Considerations:
- • Strong track record with positive claims reviews
- • 24/7 emergency assistance services
- • Financial stability and industry ratings
- • Responsive customer service
Don't Forget Credit Card Benefits
Frequently Asked Questions
Ready to Protect Your Greek Adventure?
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