Travel Insurance for Greece

Greece has a way of stealing your heart. But between ferry rides through the Aegean, temples full of Greek god tales, and more souvlaki than humanly possible, things don’t always go to plan. That’s where travel insurance steps in to shield you from the Achilles heel of travel – the mishaps.

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Image of Athens Partheon temple in Greece.

Written by

Rachel Gregg

Edited by

Ellie Garran

Reviewed by

Adrian Bennett

Last Updated 20/10/2025

Fact checked

Written by

Rachel Gregg

Last Updated 20/10/2025

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Do I need travel insurance for Greece?

Does Greece have a reciprocal health care agreement with Australia?

What popular activities in Greece can travel insurance cover?

What does travel insurance for Greece typically cover?

How much does travel insurance for Greece typically cost?

Travel tips for Greece

Frequently asked questions

Travel insurance fit for a Greek getaway

Long story short

Travel insurance isn’t a must-have, but it can come in handy

It can help cover you if bags get lost or a cancellation happens, so you don’t have to cover all the costs.

A policy won’t take up too much of your budget

A comprehensive travel insurance policy for a week-long trip to Greece should only cost you around $97, which could be really worth it if something goes sideways.

There’s no free healthcare for Aussies in Greece

Greece and Australia don’t have a reciprocal healthcare agreement, so without insurance, you’ll be footing the entire medical bill yourself.

Do I need travel insurance for Greece?

Greece is a destination you’ll be talking about for years to come. A Greek holiday might bring sun-soaked islands, crumbling ruins, and maybe some questionable dance moves after too much ouzo. But even the most perfectly planned holiday can take a wrong turn. If things do go off the rails and you’re unlucky enough to have cancelled flights, an injury or illness that leaves you bedridden in your hotel, or wild weather that traps you on an island, travel insurance is there to help get your plans back on track (and your holiday budget back into shape again).

While travel insurance isn’t mandatory to enter Greece, it’s highly recommended by Smartraveller so you can focus on the memories, not the mayhem.

Does Greece have a reciprocal health care agreement with Australia?

Unfortunately, Greece doesn’t have a reciprocal health care agreement with Australia. That means if something goes medically wrong, you’ll be picking up the tab yourself.

Without travel insurance, any trips to see the doctor or emergency room visits could end up costing you up to around $1000. You might even have to pay before even getting treated. Future you will thank you for sorting out cover before the wheels leave the tarmac.

What popular activities in Greece can travel insurance cover?

Converse with Greek gods at Delphi

Greece is a country filled with ancient sites dedicated to gods of the past, from Ancient Olympia, ancient Messini, Nemea and of course the famous Parthenon. But Ancient Delphi is one of the real showstoppers. Delphi is home to the Sanctuary of Apollo, the most renowned oracle, and the Sanctuary of Athena Pronaia. These sites are both found on the mountain’s edge with views over the Gulf of Corinth, so it’s a stunning place both historically and visually. Just make sure your travel insurance has your back in case you take a tumble while following in the footsteps of ancient pilgrims.

Take on the wilds of Epiros

Out west, Epiros is a region of mountain peaks, rocky canyons, and bright blue rivers. Whether you’re hiking to the alpine lake of Drakolimni or tackling the dramatic Vikos Gorge, there’s no shortage of adventure. Epiros is also a great spot for white-water rafting on the Voidomatis or Arachthos rivers. Just make sure your travel insurance covers all the adventure activities you’ve got planned.

Walk along ancient halls in Crete

Crete is a Greek island so big it could be its own country. It’s a great spot for ancient history, with a handful of historic Minoan sites like the palaces of Knossos, Malia, Phaestos, and Zakros, ready for exploration. It’s also home to the mythological birthplace of the king of the Gods, Zeus at Dikteon Cave. You can explore all these sites in one go with a tour. Just make sure your travel policy covers any cancellations in case you have to cancel your tour at the last minute.

Cruise around Milos’ beautiful beaches

Of the more than 6,000 Greek islands, Milos stands out. It’s a volcanic island ringed by sparkling jade-coloured waters, with over 70 beaches and sea caves hidden at the bottom of limestone cliffs. The best way to take all these coves and caves in is on a cruise or a yacht tour that can take you to all the highlights of the area (like Sarakiniko). Just make sure you’ve got travel insurance in your back pocket that covers smaller cruise trips or check whether you’ll need some extra cover for your island cruising.

‘I went to Naoussa, Paros (a Greek island), a few years ago. I’d recommend skipping the fancy restaurant and grabbing a traditional souvlakia from Souvlakia KARGAS in town for €5–10; it’s so much better. And (if your budget allows), hire a quad bike if your Greek island has them. It’s a great way to see the island at your own pace. If you are on a budget, there are shuttle buses around; you’ll just have to plan everything out a bit more.’

Paul Coco
Executive – Digital Marketing, iSelect

What does travel insurance for Greece typically cover?

Medical cover

Most policies will include unlimited medical coverage if you get sick or need to be medically evacuated to the nearest hospital.

Luggage and belongings

If your luggage gets lost or your personal belongings are damaged, your policy could cover you for reimbursement or repair costs.

Personal liability

Your policy could cover you if you accidentally injure another person or damage someone else’s property.

Protections against delays

If your itinerary gets jumbled up from extensive delays, your policy could cover any lost deposits or expenses.

Rental car excess

If you need to rent a car to get around, depending on your level of coverage, your policy could cover your excess if something goes wrong.

Claims from undeclared pre-existing medical conditions

If you’ve got a pre-existing medical condition that you didn’t let your provider know about, any related claims will likely be rejected.

Activities that need extra cover

If you decide to take on some adrenaline-fueled fun and end up needing to claim, your provider may not cover unless you added on the right extras.

Stolen items

If you’ve left your bag unattended at a cafe or beach bar and it’s stolen, your provider likely won’t cover any related costs.

Travelling to a ‘Do not travel’ area

If you decide to forge ahead with your trip, even if you’re going to a destination that Smartraveller lists as ‘Do not travel’, your policy might not cover you if things go wrong.

Breaking the law

If you get into trouble while breaking the law, your insurance won’t step in to help with any related claims.

Cruise cover

If you plan on exploring many of Greece’s islands or the larger Mediterranean on a cruise ship, then you’ll need to get some extra cover for those cruise-specific risks.

Adventure cover

If you’ve got more action planned than relaxing by the beach on one of Greece’s many islands, you might need some extra cover specifically for thrill-seeking activities, like abseiling or outdoor rock climbing.