Greece is part of the Europe travel insurance destination group on Holidaysafe. All Greek islands, including Crete, Rhodes, Corfu, Santorini, Mykonos, Zakynthos and Kefalonia, are included in this group. However, it’s still important to select every country and island you’re visiting during the quote stage to ensure your policy covers you everywhere you go.

Smaller Greek islands may only have a local health centre with limited facilities. If you need treatment that the local centre can’t provide, you may need to be transferred to a larger hospital. The 24/7 Emergency Medical Assistance team can help arrange transfers and liaise with local doctors. Contact them as soon as possible if you need medical help.

Greece is an EU member, so a valid GHIC entitles you to state-provided healthcare at the same cost as a Greek resident. This can cover treatment at public hospitals and health centres. It does not cover repatriations. The GHIC and travel insurance do different jobs so having travel insurance alongside your GHIC gives you broader options if something goes wrong.

During your quote select the cruise option if your trip includes a sea or river cruise. We will ensure your quotes cover cruise-specific issues like missing a port, cabin confinement due to illness, or unused excursions. If you don’t select this option, your cruise may not be covered. We’ll only show you policies with appropriate cruise cover – some include it as standard (often for river cruises), while others offer it as an optional extra (included in the price we’ll show you). Check the policy wording when viewing your quotes to confirm what’s included.

This applies to Mediterranean and Aegean cruises that call at Greek ports. Short ferry crossings between islands, even if they take several hours, don’t count as cruises and don’t need the extension.

Travelling between Greek islands by ferry is included under your travel insurance, provided all the islands are within the same destination group. Always read the policy terms and conditions carefully.

Policies available on Holidaysafe include cover for over 100 sports and activities, and many popular watersports, including snorkelling, swimming and cycling, are typically included at no extra cost. If you’re planning to take part in any activities, it’s important to declare them during the quote stage. Cover is subject to the terms, conditions, limits and exclusions of your policy, and activities not listed on your policy won’t be covered.

Call 112 for general emergencies or 166 for an ambulance. On the islands, the local health centre may be the first point of contact. Then call the 24/7 Emergency Medical Assistance team as soon as possible. They can advise on next steps, help coordinate treatment, and liaise with local doctors. Have your policy number ready, and keep receipts for any payments you make.

Policies available through Holidaysafe can be bought at any point before you travel, as long as you’re still in the UK. You don’t have to buy at the time of booking, but buying earlier means your cancellation cover starts sooner. If you need to cancel for a covered reason before your trip, having the policy in place from the booking date gives you the broadest window of protection.

You don’t need to list each island individually. All Greek islands fall within the Europe destination group, so selecting Greece as your destination covers them all. If your trip also includes time on the mainland, that’s within the same group. The only time you’d need to think about destination selection is if part of your trip crosses into a different country or group.

Travel insurance covers you as a traveller. It doesn’t insure the property you’re staying in. Whether you’re in a hotel, a villa rental or a family member’s house, your policy can still cover things like emergency medical expenses, cancellation of your outbound travel, personal belongings and repatriation. Damage to a rented villa would fall under the property owner’s insurance or a separate damage waiver, not your travel insurance.

If you declare a condition through Holidaysafe’s Protectif screening service when getting your quote, and it’s accepted, it will be included on your policy. The screening considers over 11,000 conditions. If a condition isn’t declared and a related claim arises later, the insurer may decline it. Declaring thoroughly at the quote stage is the clearest way to avoid problems down the line.

Contact the appointed claims team. Their details, along with guidance on what documents you’ll need, are on the claims information page.