Last Updated on by Rodrigo @ OutofYourComfortZone
Contemplating a journey to Greece? Give top priority to travel coverage and place it as the foremost item on your agenda! Continue perusing to uncover excellent travel insurance selections crafted for economical explorers, backpacking enthusiasts, dynamic thrill-seekers, and more. Furthermore, we’ll unveil two potential alternatives for complimentary travel insurance that might have slipped under your radar!
Embarking on an exceptional journey to Greece is unquestionably exhilarating, yet it’s entirely natural to feel overwhelmed by the multitude of tasks lying ahead. From coordinating flights and lodgings to orchestrating excursions and managing the potential effects of jet lag, there’s a crucial element that can easily slip through the cracks – travel insurance.
Should you find yourself caught in this scenario, fret not! Keep reading to uncover a comprehensive guide to securing the perfect travel insurance for your upcoming Greece adventure. We’ll furnish you with an exhaustive array of the finest and most budget-friendly options available!
However, before we delve into the particulars…
Table of Contents
- 0.1 Do I really need travel insurance for a trip to Greece?
- 0.2 But do I actually need travel insurance? I don’t usually do any extreme activities or sports!
- 1 Update regarding travel insurance and the coronavirus (COVID-19)
- 2 1. The well-known, mid-priced travel insurance company:
- 4 IMG Global (accepts citizens from most countries!)
- 5 2. The best, most comprehensive travel insurance company for backpackers and adventurous travelers:
- 7 World Nomads Travel Insurance
- 8.1 AARDY
- 8.3 But wait….you might not even need to buy travel insurance!
- 8.4 1. Buy your return flight ticket with a credit card to (maybe) get free insurance for your trip.
- 8.5 2. Use your health insurance policy from your home country or country of residence.
- 8.6 A quick note about travel insurance for cruising:
- 8.7 Can I use traveling insurance while living abroad as an expat or an immigrant?
- 8.8 Can I use travel insurance during my international exchange or while studying abroad?
- 8.9 International travel insurance coverage for terrorism
- 8.10 List of documents usually requested by travel insurance policies when you seek reimbursement for medical expenses (if you were treated by an out-of-network provider):
- 8.11 Planning your next trip?
Do I really need travel insurance for a trip to Greece?
Undoubtedly, without question!
Having comprehensive travel coverage is an absolute imperative, particularly for intrepid explorers like myself, who frequently engage in activities carrying higher potentials for injury and subsequent medical costs.
Throughout my voyages, I consistently partake in exhilarating pursuits such as mountaineering, rock climbing, leaping, diving, and immersing myself in everything that embodies a quintessential adventure!
Let’s envision a scenario: imagine yourself snowboarding in Switzerland without travel insurance, and regrettably, you encounter an injury on the slopes, necessitating a helicopter rescue. The resulting medical bill, while you’re recuperating in the hospital, would likely be daunting enough to trigger a sense of panic just from glimpsing the abundance of zeros!
However, let’s confront the reality: procuring travel insurance is a prudent choice, regardless of your travel destination.
In the course of my explorations, I’ve encountered numerous backpackers displaying the renowned “Thai Tattoo” – significant scars on their legs caused by burns from motorcycle exhaust pipes in Thailand!
And honestly, is a visit to a public hospital right in the center of Bangkok something you truly desire? With travel insurance, you have the liberty to opt for a private medical facility, where undoubtedly you’ll receive superior care. So why expose yourself to unnecessary risks? Ensure your protection and relish your journey to the fullest extent!
But do I actually need travel insurance? I don’t usually do any extreme activities or sports!
Listen closely: whether you’re gearing up for a lavish shopping spree in Miami or any other escapade, travel insurance is an absolute necessity!
While health coverage might not be a mandatory prerequisite in Greece, as it is in certain other nations, there always exists a certain degree of uncertainty when journeying. From minor stumbles on the sidewalk to more substantial incidents such as injuries or illnesses, unforeseen events can transpire.
Relying solely on the healthcare system of Greece (or that of numerous other countries) without the security of insurance coverage is equivalent to inviting a personal financial catastrophe.
Furthermore, bear in mind that various countries, Greece included, might stipulate that you possess some variant of health or travel insurance as a stipulation for entry.
And let’s not disregard the fact that travel insurance extends beyond solely addressing medical emergencies. Depending on your chosen scheme, it can also furnish indemnification for misplaced belongings, flight delays, adverse climatic conditions, and even facilitate your evacuation from a nation in the event of civil disturbances.
Hence, prior to embarking on your expedition, ensure that you’re safeguarded by the appropriate travel insurance policy! It’s a sagacious choice that bestows tranquility throughout your ventures.
Given that Covid-19 hasn’t been entirely eradicated, you might understandably have questions regarding the extent of coverage your travel insurance would provide in case you become unwell.
Fortunately, in the current landscape, nearly all travel insurance policies on offer do encompass provisions for illness stemming from Covid-19. Nevertheless, I highly recommend meticulously examining the nuances of your policy prior to finalizing the purchase. Acquiring a comprehensive understanding of the precise coverage will grant you the peace of mind essential for your journey.
(Or for more details, you can also take a look at our article here: Does International Health and Travel Insurance cover Coronavirus (COVID-19)?)
Observation: These travel insurance options are meticulously crafted to accommodate tourists. However, if your voyage to Greece is intended for educational pursuits, it’s imperative to delve into an international health insurance scheme meticulously tailored for international students. Conversely, should your journey be directed to the United States for employment or as an immigrant, you will necessitate a health insurance package meticulously fashioned for expatriates. You can uncover apt selections for these precise forms of coverage at the culmination of the article linked here. Ensure to conduct a thorough exploration of the available alternatives that seamlessly synchronize with your travel and residency prerequisites.
How does the health system in Greece work?
The healthcare system of Greece is a public healthcare system that provides healthcare services to all citizens and residents of the country. Here are some key features of the Greek healthcare system:
- Universal Access: The Greek healthcare system is based on the principle of universal access. This means that all Greek citizens and legally resident individuals in the country are entitled to healthcare, regardless of their economic situation.
- Funding: The healthcare system is funded through mandatory contributions from workers and employers to the National Organization for Healthcare Provision (EOPYY). Additionally, the government also contributes public funding to ensure the sustainability of the system.
- Health Coverage: Health coverage includes a wide range of medical services, from primary care to hospital care and specialized services. This encompasses medical consultations, tests, surgical procedures, hospitalizations, and treatment for chronic conditions.
- Primary Care: Primary care is provided by family doctors (ophthalmologists) who serve as the first point of contact for patients. They make initial diagnoses, refer patients to specialists when necessary, and manage general healthcare.
- Hospitals: The Greek healthcare system includes public hospitals where patients can receive free or affordable hospital care. General, specialized, and university hospitals exist throughout the country.
- Medications: The system also covers a variety of medications, although there are some co-payment fees for certain medications. Most generic medications are widely available.
- Administrative Structure: The Ministry of Health is the government agency responsible for formulating health policies and overseeing the administration of the healthcare system. EOPYY is the agency that manages the organization and provision of healthcare services.
- Challenges: The Greek healthcare system faces challenges such as resource pressure due to economic crisis, the need to improve efficiency and service quality, and addressing the increasing demands of an aging population.
In summary, the healthcare system of Greece is a public healthcare system that offers universal access to healthcare for all citizens and residents, with services ranging from primary care to hospital and specialized care.
What are the best travel insurance options for a trip to Greece?
While delving into online exploration for travel insurance, you’ll encounter an extensive spectrum of alternatives.
Nevertheless, I’ve dedicated years to extensively scrutinizing diverse travel insurance providers and personally experimenting with many of them. The inventory below encompasses the travel insurance options I consistently find myself returning to.
Please bear in mind that the available selections will fluctuate contingent upon your nation of origin and the degree and nature of coverage you aspire to secure for your expedition.
I wholeheartedly recommend setting aside a portion of your time to solicit quotations from each of these companies pertinent to your particular journey. Even though it might entail a measure of dedication, the potential savings in the long haul render it exceedingly worthwhile!
Moreover, there exist travel insurance aggregation platforms that empower you to compare and procure disparate plans, streamlining the procedure and making it more convenient. Best wishes for your forthcoming travels, and may you pinpoint the optimal insurance coverage for your odyssey!
1. The well-known, mid-priced travel insurance company:
IMG Global (accepts citizens from most countries!)
You have the flexibility to choose the level of coverage that suits you, ranging from US$50,000 to US$500,000, and deductible options are available from US$0 to US$2,500.
When it comes to pricing, IMG’s rates are generally competitive. However, similar to some of the other options mentioned earlier, specific activities may not be covered under their policies.
To ensure that you have all the essential coverage tailored to your specific needs, I highly recommend thoroughly reviewing the policy details before making a final purchase. This way, you can travel with confidence and assurance, knowing that your chosen policy provides the comprehensive protection you require. Wishing you wonderful journeys ahead!
Travel insurance for seniors (65+): one thing that makes IMG unique is that they offer a travel insurance plan specifically tailored to travelers aged 65 and over, called GlobeHopper Senior.
IMGlobal travel insurance and COVID-19 coverage
In most cases, all IMG plans will provide coverage for any medical requirements related to Covid-19, including treatments, hospitalization, and even medical evacuations.
However, it’s essential to thoroughly review your policy before completing your purchase to confirm that there haven’t been any changes. By taking this precaution, you can definitively determine the extent of Covid-19 coverage offered by the plan you’ve chosen. Travel with confidence and peace of mind, knowing that you have the necessary protection in place during these uncertain times!
2. The best, most comprehensive travel insurance company for backpackers and adventurous travelers:
(5% discount coupon comfort5)
I hold considerable confidence in World Nomads as a premier travel insurance company catering to backpackers.
Whenever I embark on a voyage encompassing venturesome or “adventurous” undertakings like snowboarding, canyoning, hiking, glacier trekking, skydiving, deep-sea diving, skiing, climbing, and more, I unfailingly opt for a policy from World Nomads.
Their coverage is genuinely comprehensive, spanning a diverse array of activities. Thus far, I have yet to encounter an alternative insurance provider that delivers a more advantageous proposition encompassing ALL the activities covered within World Nomads’ policies. (However, if you’ve come across an alternative, please don’t hesitate to share your insights in the comments section below!)
With World Nomads, I am afforded a sense of security, knowing I am thoroughly safeguarded throughout my audacious escapades and exhilarating exploits.
If a specific activity occupies your thoughts and you seek confirmation regarding its inclusion under World Nomads’ coverage, you can verify this information on this page here.
In essence, World Nomads presents two primary policy options for your consideration. The first is the “Standard” policy, which might be sufficient even if your itinerary encompasses daring activities. This plan extends emergency medical coverage for endeavors such as downhill skiing or hiking up to 6,000 meters (nearly 20,000 feet)!
Conversely, the “Explorer” plan is tailor-made for more intrepid travelers. It encompasses a wide spectrum of activities; however, it is imperative to undertake a thorough review of your chosen plan before making a purchase to confirm the inclusion of your specific pursuits.
Moreover, World Nomads provides you with the opportunity to augment your coverage to include high-value specified items, such as iPhones and digital cameras. This can be a valuable enhancement if you are traveling with valuable electronic equipment or visiting regions prone to theft, such as Brazil (my country of origin).
Drawing from my firsthand experience, I can vouch for their attentive and user-friendly customer service team, particularly when I sought reimbursement after falling ill in Thailand.
Finally, a notable advantage with World Nomads is the flexibility to procure or extend your travel insurance even if you’ve already commenced your journey. You are not constrained to acquiring it solely from your domicile country. This adaptability proves convenient for travelers on the move.
You can get a 5% discount code on your World Nomads travel insurance policy by using the coupon code “comfort5″.
(P.S. If you’re anything like me and are also addicted to sports and adventure activities and want to make sure you have good travel insurance that covers them, here are two other articles you might like: 3 Best International Travel Insurance for Extreme Sports and Adventure Activities and 9 Tips to Stay in Shape During Your Travels.)
WorldNomads travel insurance and coronavirus coverage
As of writing this article, World Nomads doesn’t explicitly address whether or not their insurance plans cover Covid-19 treatment. However, you can find their most up-to-date position on the coronavirus on their website here.
3. One of the cheapest travel insurance companies you’ll find anywhere:
WorldTrips (formerly Atlas Travel)
From my personal encounters, travel insurance offerings provided by WorldTrips have consistently stood out as among the most wallet-friendly selections attainable. However, it is imperative to acknowledge that the lower cost might bring about certain constraints on coverage, in contrast to entities like World Nomads.
For my journeys to destinations deemed “secure,” where my itinerary primarily revolves around urban exploration, such as in the United States or Europe, I lean toward opting for WorldTrips.
While I have procured travel insurance policies from WorldTrips in the past, I have been fortunate enough to avoid necessitating reimbursement, thereby I lack firsthand testimony regarding their reimbursement process. Nevertheless, I encountered feedback from fellow explorers who sought reimbursement and they conveyed positive encounters with WorldTrips.
To encapsulate, WorldTrips emerges as an outstanding preference for budget-conscious travelers hunting for economical travel insurance. They present an array of plans spanning diverse durations and categories, catering to everything from year-long global backpacking expeditions to brief study abroad initiatives for university scholars.
A remarkable attribute of WorldTrips is their adaptability in permitting the acquisition or extension of your policy even if your journey has already commenced. Therefore, should you find yourself abroad and necessitating coverage, WorldTrips can seamlessly accommodate your needs.
Furthermore, unlike numerous other insurance providers, WorldTrips imposes no age cap. While the premium escalates with age, they do proffer coverage for seniors, rendering them a dependable choice for senior travel insurance when few other companies extend such a service.
WorldTrips travel insurance and Covid-19 coverage
In most instances, your WorldTrips policy will encompass provisions for any medical costs arising from Covid-19 illness. However, it is imperative to scrutinize the policy particulars prior to finalizing the acquisition to ascertain that you possess the most up-to-date and precise coverage. This way, you can embark on your journey with a sense of assurance, assured that you are shielded in case of any Covid-19 related medical requirements.
4. The new international travel insurance company for digital nomads and adventure/extreme sports:
Safety Wing has established an exceptional standing within the insurance sector, offering an extensive selection of travel insurance alternatives meticulously designed to cater to students, digital nomads, expatriates, and diverse types of explorers. Their all-encompassing coverage options have positioned them as a favored selection for a multitude of individuals seeking steadfast and flexible insurance resolutions for their expeditions.
One thing that makes Safety Wing stand out is its focus on insurance plans that cover adventure sports and extreme activities. (Like WorldNomads!)
Plus, their website is fun and allows you to easily and quickly get a quote.
Safety Wing travel insurance and Covid-19 coverage
In most scenarios, your Safety Wing policy will include provisions for any medical costs arising from Covid-19 illness. Nevertheless, it is crucial to diligently review the specific particulars of your policy prior to finalizing the purchase to guarantee that you possess the most recent and precise coverage. Maintaining a thorough understanding of your insurance provisions will furnish you with a sense of tranquility as you set forth on your voyages. Enjoy your travels to the fullest!
5. The best place to find & compare cheap travel insurance policies:
In contrast to the other alternatives discussed previously, VisitorsCoverage operates in a distinctive manner as a platform that delivers a unique service. Instead of functioning as an insurance provider directly, it facilitates your access to and comparison of travel insurance plans sourced from a variety of different companies, all consolidated within a single interface.
This convenient attribute empowers you to efficiently evaluate multiple possibilities and arrive at well-informed conclusions regarding the travel insurance scheme that aligns most effectively with your distinct prerequisites.
Through VisitorsCoverage, you can effortlessly navigate through an extensive array of selections and opt for the optimal coverage for your expedition. This approach offers an exceptional means of identifying the perfect travel insurance alternative meticulously tailored to your specific demands.
In other words, it makes it much easier to see all your options for travel insurance plans. And then ultimately compare, choose, and buy the best option for your trip.
VisitorsCoverage presents an expansive assortment of insurance schemes that address a broad spectrum of needs, ranging from business travel insurance to student-oriented coverage options.
Boasting a decade of expertise, this online platform caters to citizens hailing from over 175 countries. Furthermore, based on testimonials, VisitorsCoverage prides itself on its resilient and reliable customer service team, accessible online throughout seven days of the week. This ensures that travelers can readily access prompt assistance and guidance whenever necessary.
Whether your travel agenda involves business commitments or international study endeavors, VisitorsCoverage stands as a reputable avenue for investigating and uncovering suitable insurance plans meticulously tailored to your distinctive travel prerequisites. It represents a dependable resource for identifying the optimal insurance coverage to accompany you on your journey.
VisitorsCoverage travel insurance and COVID-19 coverage
On the VisitorsCoverage platform, you can readily analyze the intricate details of each distinct plan, comprehending its Covid-19 coverage scope. Nevertheless, it’s pivotal to bear in mind that akin to the aforementioned companies, the majority of contemporary travel insurance plans now encompass some level of Covid-19 coverage.
Travel insurance providers have adeptly adjusted to the prevailing circumstances, recognizing the significance of furnishing safeguards for travelers within the context of the ongoing pandemic. While navigating through the array of options on VisitorsCoverage, you can anticipate encountering plans that cater to Covid-19-related medical exigencies, thereby endowing you with added tranquility throughout your sojourns. This platform offers a commendable resource for uncovering travel insurance schemes that prioritize your safety and well-being amidst these demanding times.
6. Another great website to search for and compare cheap travel insurance policies:
Much like VisitorsCoverage, TravelInsurance.com functions as a travel insurance “portal” that offers the convenience of viewing and comparing various travel insurance plans from multiple companies simultaneously.
To start your search, simply provide your personal information and some details about your trip. The platform will then present you with a comprehensive comparison of the available plans, allowing you to filter the options based on ratings and prices. This user-friendly process enables you to easily find the most suitable and competitive travel insurance plan for your specific travel needs, all in one place. With TravelInsurance.com, securing the right coverage for your journey becomes effortless and efficient. It’s a valuable tool to simplify the process of finding the perfect travel insurance plan for your upcoming trip.
TravelInsurance.com and coronavirus coverage
When utilizing TravelInsurance.com, you gain the opportunity to delve into the specifics of Covid-19 coverage provided by each collaborating insurer. It’s crucial, however, to acknowledge that, similar to the previously mentioned companies, the majority of contemporary travel insurance plans now encompass a certain degree of Covid-19 coverage.
Travel insurance providers have adeptly adapted to the prevailing circumstances, acknowledging the imperative of addressing the requirements of travelers during the ongoing pandemic. While you navigate through the array of options on TravelInsurance.com, you can anticipate encountering plans that extend protection pertinent to Covid-19, thereby furnishing you with the requisite assurance for your voyages. This platform serves as a source of reassurance, guiding you to explore travel insurance schemes that prioritize your safety and well-being amidst these ambiguous times.
7. A final “travel insurance portal” option to search for and compare policies to find the best deal:
AARDY emerges as an invaluable travel insurance “aggregator,” presenting you with the opportunity to simultaneously explore a multitude of travel insurance plan options from diverse companies. Self-identified as the “Amazon” of travel insurance, AARDY furnishes a user-friendly platform that facilitates seamless plan comparison.
A standout feature that distinguishes AARDY is its exceptional customer service, a fact underscored by their impressive ratings on TrustPilot. Beyond their straightforward search portal that expedites plan assessment, you can readily engage with them through email, support channels, or live chat at your convenience. This attribute ensures that all your queries and apprehensions receive meticulous attention before you finalize your insurance policy acquisition.
Furthermore, it’s noteworthy that AARDY maintains a dedication to community enrichment. They allocate 10% of their annual earnings to The Special Operations Warrior Foundation, an organization committed to extending financial assistance to the children of military personnel who have lost their lives in the line of duty. Opting for AARDY not only secures reliable travel insurance coverage but also contributes to a meaningful cause that aids those in need. This aspect renders it a remarkable approach to identifying the optimal travel insurance plan while concurrently effecting a positive influence on the lives of others.
AARDY travel insurance and COVID-19 coverage
Since AARDY itself isn’t a travel insurance provider and is only a portal that lets you compare insurance from many companies, you’ll have to look into the individual insurance company before you buy your plan to see what their position is on Covid-19 coverage.
Bonus option to find and compare many different travel insurance plans at once:
Much like the other travel insurance “platforms” or “aggregators” discussed previously, InsureMyTrip offers a hassle-free and effective approach to comparing travel insurance plans from various companies, all consolidated within a single location.
Their interface simplifies the procedure, enabling you to readily access and evaluate an extensive spectrum of alternatives, thus facilitating the discovery of the optimal travel insurance coverage tailored to your precise requirements. With InsureMyTrip, procuring the suitable safeguard for your expedition becomes a process marked by seamlessness and simplicity. It stands as a remarkable tool to streamline the task of identifying the perfect travel insurance plan for your upcoming journey.
InsureMyTrip sets itself apart through its resolute commitment to excellence. They rigorously adhere to a policy of removing any plan or insurance provider from their website if it fails to attain a rating of less than 4 stars, thereby ensuring that exclusively top-tier options are presented to users.
Diverging from some of the other alternatives enumerated here, InsureMyTrip is singularly devoted to travel insurance. Consequently, you won’t encounter insurance plans tailored for expatriates, immigrants, or international students within their platform. This specialization empowers them to furnish a targeted and all-encompassing service, finely attuned to the requisites of travelers, and guaranteeing the availability of the utmost travel insurance selections. It’s a platform characterized by an unwavering commitment to excellence, tirelessly dedicated to providing travelers with the paramount travel insurance choices available.
But if you’re looking for a plan like this to complement your travel insurance, check out my article on the 5 Best & Cheapest Health Insurances for International Students or 5 Best International Health Insurances for Expats & Immigrants.
InsureMyTrip travel insurance and Covid-19 coverage
Since InsureMyTrip itself isn’t a travel insurance provider and is only an aggregator that lets you compare insurance from many companies, you’ll have to look into the individual insurance company before you buy your plan to see what their position is on Covid-19 coverage.
But wait….you might not even need to buy travel insurance!
Here are two sneaky ways you might be able to get “free” travel insurance 🙂
1. Buy your return flight ticket with a credit card to (maybe) get free insurance for your trip.
Depending on the category of credit card you possess, there’s a possibility that utilizing that card to purchase your roundtrip flight could entitle you to an included basic travel insurance plan as part of the transaction.
Cards issued by Visa, Mastercard, American Express, and Diners Club often extend this privilege. Nevertheless, it’s imperative to get in touch with your card provider or access their website to ascertain whether your card features this benefit and comprehend its functioning.
For those embarking on a journey to Europe, this complimentary basic insurance plan can serve to fulfill the mandatory Schengen insurance prerequisites.
However, it’s vital to grasp that the insurance plan furnished by your credit card primarily functions as an international health insurance scheme, rather than an exhaustive travel insurance package.
This signifies two pivotal aspects. Primarily, the coverage will likely be confined to emergency medical care exclusively, with potential exclusions encompassing treatments necessitated by sports or “risky” pursuits.
Secondarily, dissimilar to standard travel insurance, you won’t be safeguarded against travel delays, lost baggage, flight cancellations, or any other predicaments related to your trip. Moreover, you won’t be eligible for compensation pertaining to such occurrences. Being cognizant of these limitations is crucial, prompting the consideration of supplementary travel insurance if you seek broader coverage for your expedition. Prior to making any assumptions, meticulously scrutinize the terms and extent of your credit card’s travel insurance offering to gain a comprehensive understanding of what is encompassed.
Also keep in mind that this won’t work if you’re using miles to buy your plane ticket.* And that the maximum time limit on insurance from these types of credit cards is only 31 days. So if you’re still traveling, you’ll have to buy a regular travel insurance policy to keep yourself covered.
*CORRECTION: As highlighted by an insightful comment from Alex, a reader of the Portuguese version of this article, if you possess a Visa Platinum credit card and opt to utilize accumulated miles for settling ticket taxes and fees, you could potentially become eligible for their global travel insurance.
Nonetheless, I advise taking the initiative to independently verify this information with your credit card provider. This is because the benefits associated with the same credit cards can exhibit variations contingent on the countries where they are issued. I extend my gratitude to Alex for sharing this valuable tip!
Furthermore, thanks to a contribution from reader Ana Luisa, I’ve acquired the knowledge that Visa Platinum insurance typically extends coverage for a duration of 60 days. This duration surpasses the standard 30-day coverage commonly provided by the majority of other credit cards.
However, should your voyage extend beyond this timeframe, it is prudent to supplement the remaining portion of your journey with a conventional travel insurance policy. The Visa Platinum insurance enables you to economize during the initial two months of your trip. Always make certain that you possess the requisite coverage spanning the entire duration of your expedition, guaranteeing a journey devoid of concerns. Being comprehensively prepared and adequately insured throughout the entirety of your travel is of paramount importance.
2. Use your health insurance policy from your home country or country of residence.
As we near the conclusion, I present you with an additional potential avenue to explore. This entails reaching out to your health insurance plan provider in your country of residence to ascertain if they extend any international travel insurance offerings.
Given your existing coverage with them, there’s a possibility of procuring cost-effective or even complimentary insurance for your voyages abroad. However, it’s crucial to ascertain that their insurance encompasses the specific destinations you intend to visit and all the activities you plan to partake in during your expedition.
By delving into this alternative, you may discover a convenient and economically viable means to acquire the requisite travel insurance for your journey. Always ensure to meticulously review the terms and scope of coverage to guarantee that you possess the suitable safeguard for your travel requisites. Wishing you secure and delightful travels! It’s always a prudent approach to explore potential travel insurance options with your current health insurance provider, as they might offer suitable solutions that align with your requirements, ultimately saving you money on supplementary coverage.
A quick note about travel insurance for cruising:
Someone recently reached out asking if any of these travel insurance plans could be used for cruise trips, so I did some research.
Based on what I could find, both WorldNomads and WorldTrips will cover you on a cruise.
WorldTrips has communicated through email that their Atlas plan does include provisions for medical evacuation from a cruise ship, as deemed necessary based on the prevailing circumstances.
From the available information, it appears that all travel insurance plans provided by WorldNomads also encompass coverage for individuals on cruises. However, please bear in mind that WorldNomads imposes an age limit of 66 for their plans. On the contrary, WorldTrips holds a distinct advantage by not instituting any age restrictions for their coverage, rendering it an attractive choice for older travelers.
With regard to the other mentioned companies, I am still awaiting definitive confirmation from them concerning their coverage policies for cruise travelers. It is always judicious to acquire explicit and comprehensive details about your travel insurance alternatives before arriving at a decision.
As you embark on your journey, I extend my best wishes for secure travels, and may you discover the perfect plan tailored to your cruise adventure! It’s of utmost importance to have a thorough understanding of your travel insurance coverage, particularly when embarking on a cruise. Always ensure to verify the specifics with the insurance providers to guarantee the appropriateness of your protection throughout your cruise experience.
Fraud Warning! As mentioned earlier, both WorldNomads and WorldTrips provide the flexibility of procuring travel insurance even after the commencement of your journey. Nonetheless, it’s paramount to exercise caution against potential fraudulent activities.
It is essential to comprehend that procuring travel insurance subsequent to falling ill or encountering an accident, with the intention of gaining coverage for that specific event, is not an acceptable practice. Insurance companies are cognizant of this potential scenario, and most policies encompass an “anti-fraud” provision to deter such actions. This provision stipulates that your insurance policy can only be employed 48 hours after its acquisition.
For instance, if you encounter a severe illness during your expedition and decide to purchase travel insurance afterward to encompass your medical treatment expenses, you must wait for 48 hours until your policy becomes effective for reimbursement. Furthermore, you must furnish evidence to your insurance provider validating that the ailment transpired subsequent to your policy purchase.
Conversely, in the case of an accident, you can leverage your insurance within the 48-hour timeframe. However, it is imperative to substantiate that the accident transpired after securing your travel insurance scheme.
To reiterate, attempting to deceive insurance companies by acquiring a policy and promptly seeking reimbursement for a pre-existing condition or recent event is not a viable strategy. Insurance providers employ measures to investigate such circumstances and ensure they are not being misled. Hence, it is critical to adhere to the stipulations and utilize travel insurance judiciously and transparently to guarantee suitable coverage for your sojourns. Travel insurance is structured to safeguard against unforeseen occurrences, rather than to provide coverage for pre-existing conditions or incidents that transpired prior to obtaining the policy.
Can I use traveling insurance while living abroad as an expat or an immigrant?
If you’re living overseas or traveling in a country for a short period, you might be okay with just travel insurance.
But you’re looking for more complete coverage (travel insurance usually just covers medical emergencies), if you’re going to be living abroad long-term, or if you need proof of health insurance for immigration purposes, then what you actually need is an international health insurance plan for expats or immigrants.
If you’d like to learn more about the differences between travel insurance and international health insurance, then you can take a look at our article about the 3 Best International Health Insurance for Expats & Immigrants.
Or, you can quote directly with some of these expat insurance companies here:
Can I use travel insurance during my international exchange or while studying abroad?
In closing, the necessity for a distinct insurance plan for your study abroad venture hinges on your individual circumstances. My suggestion is to commence by validating with your educational institution. In general, if your academic course or program spans less than 3 months, and you intend to study under a tourist visa, a travel insurance policy should suffice for your requisites.
Nonetheless, it is imperative to corroborate this information with your educational establishment to ascertain that you possess the suitable insurance coverage throughout your study duration. Always liaise with your school or university to ascertain their insurance prerequisites for study abroad initiatives, as they might have specific directives and suggestions to ensure you possess the requisite coverage while pursuing your studies overseas.
However, if you’ll be needing a student visa, then you’re going to need a health insurance plan that’s designed just for international students or exchanges.
This is particularly significant if you’re journeying to the United States under a J1, J2, or F1 visa, or to Europe with a Schengen student visa. In such instances, possessing the suitable insurance coverage is paramount to fulfill the distinct prerequisites of these visas and guarantee a seamless and trouble-free study abroad journey. It’s imperative to be adequately equipped and possess the appropriate insurance policy to adhere to the visa regulations of your study destination, as this can substantially influence your qualification and overall encounter during your academic pursuit overseas.
If you’re an international student and think you might need one of these special medical insurance plans, then take a look at my page with The 3 Best and Cheapest Health Insurances for International Students & Exchanges to learn more.
Again, you can check out directly some of these international student insurance companies here:
International travel insurance coverage for terrorism
I’ve had a few comments in both the English and the Portuguese article asking if travel insurance covers acts of terrorism.
I did a bit of research, and here’s what I found out:
Although WorldTrip’s basic travel insurance plan doesn’t cover terrorism, their Atlas Premium plan DOES cover “treatment of injuries and illnesses relating from an act of terrorism, up to the limit set forth in the schedule of benefits and limits.” So yes, they do appear to have terrorism coverage.
In the unfortunate event of finding yourself injured during a terrorist incident while traveling, having WorldTrip’s Atlas Premium plan can offer vital coverage. This plan is specifically designed to provide protection during unexpected circumstances, offering a crucial safety net during difficult times.
Furthermore, several of WorldTrip’s plans encompass a valuable “Crisis Response Cover,” extending protection in situations involving civil or political unrest, natural disasters, or other crises that travelers might encounter overseas. This extensive coverage even encompasses scenarios like “express kidnapping,” covering expenses related to response, ransom, and relinquished personal belongings.
It’s important to note that while the “Crisis Response” feature is highly advantageous, it might not be accessible in certain countries. These countries include Iraq, Afghanistan, Pakistan, Nigeria, Somalia, Venezuela, Iran, Cuba, Sudan, and North Korea. Nonetheless, in most of these countries, your regular travel insurance coverage remains valid, minus the specific “crisis” aspect of the coverage.
As always, carefully review your insurance policy’s terms and conditions to fully comprehend the scope of coverage and any constraints specific to your travel destination. Travel insurance acts as a crucial safeguard, providing assurance and protection throughout your journeys. WorldTrip’s Atlas Premium plan furnishes invaluable protection during unforeseen events, and their Crisis Response Cover adds an extra layer of security for travelers navigating challenging situations abroad. Ensure to verify the availability of the Crisis Response feature in your intended travel destination and possess a comprehensive understanding of your coverage to embark on your travels with confidence and tranquility.
General tips to help you get back your travel insurance reimbursement:
All of the travel insurance providers I recommended earlier maintain extensive networks of hospitals, clinics, and physicians. It’s advisable to opt for treatment at one of their in-network facilities.
By doing so, you can avoid having to pay upfront, as the treatment expenses will be directly submitted to the insurer for payment (unless the treatment surpasses the maximum coverage limit).
In the event of unexpected circumstances like illness or accidents, it’s imperative to promptly get in touch with your travel insurance provider. They will provide guidance on which in-network doctor or hospital to visit for medical treatment.
In scenarios where accessing an in-network medical provider isn’t feasible, you’ll need to cover the treatment costs initially and then apply for reimbursement from the insurance company at a later stage.
As you may be aware, dealing with insurance companies, be it for automobiles, residences, health, or travel, can present certain complexities. They often require precise documentation before processing payments.
To aid you in this process, here’s a rundown of the documents that travel insurance companies generally ask for when you file a claim seeking reimbursement for medical expenses incurred during your trip. Presenting the necessary documentation in an organized manner can expedite the reimbursement procedure and ensure a smoother interaction with the insurance company.
But first, a few insurance terms to cover:
*make a claim: ask an insurance company for reimbursement for medical expenses
*insurer: the travel insurance company
*beneficiary = claimant = the insured: the person (you) who is asking the insurance company for money/reimbursement
List of documents usually requested by travel insurance policies when you seek reimbursement for medical expenses (if you were treated by an out-of-network provider):
- Copy of the claimant’s national ID (driver’s license or other state-issued ID)
- Copy of Proof of Residency (any current proof – from the last 3 months – with the name of the claimant). If you don’t have this, send a declaration of residence that is completed, signed, and notarized by the insurer.
- For minors, a declaration of residence must be completed, signed, and notarized by the respective legal guardian (form provided by the insurer)
- Copy of the claimant’s voucher
- Original registration information form, signed by the beneficiary (form provided by the insurer)
- Copy of passport (ID page + page with entrance and exit stamps from the country where the accident happened) or other documentation that shows beneficiary was outside of habitual domicile when an accident happened (aka your home country) – for example: airplane tickets (by the way, you should always keep your boarding pass until the end of your trip, not only for filing a possible claim but also request your miles!)
- Presentation of the original medical report with descriptions of the procedures, provided by the health professional or medical center with a clear indication of the diagnosis, clinical history, and admission form, in the case of hospitalization
- Original prescription (if the pharmacy still has the prescription, send your x-ray or a document showing you picked up your medicine in exchange for the prescription)
- Invoice of the medical procedures or the pharmacy receipt with medications prescribed, which should match the quality and quantity of the provided prescription
- Report of medical care (explaining the reason, what happened and how the treatment went – both from the travel insurance staff as well the health providers), written by the beneficiary
- A completed list of expenses (form provided by the insurer)
- Your contact phone number, address, and e-mail
- Proof of bank info (copy of bank statement header, check, or debit card)
And here’s the most frustrating aspect – you’ll probably need to send all of these documents through traditional mail!
I completely empathize; it’s an enormous inconvenience. That’s precisely why it’s far more convenient if you can obtain treatment from a healthcare provider within your insurance company’s network. This way, you can bypass the hassle and headaches of assembling all the paperwork.
Nonetheless, if circumstances dictate otherwise, going through the reimbursement procedure doesn’t have to be a daunting task. With a touch of organization and ensuring that all the necessary documents are well-prepared, your prospects of successfully filing your claim and receiving a timely reimbursement are quite promising!
If you’ve gone through the process of filing a claim before, kindly share your experiences and any beneficial pointers in the comments section below. Your insights can prove invaluable in navigating the claims process and providing a smoother experience for fellow readers.
To summarize, these as the best travel insurance companies for the Greece:
- World Nomads Travel Insurance
- Safety Wing
My final advice: Absolutely, make sure not to overlook the importance of acquiring travel insurance before your journey! If you’re already on the road and haven’t secured insurance yet, take action as swiftly as possible. And if you’ve already obtained a policy but require an extension (which both WorldNomads and WorldTrips facilitate), ensure you do so before its expiration.
By doing so, you’ll enjoy the tranquility of knowing you’re safeguarded throughout your entire adventure in Greece.
Now, over to you. Have you encountered any situations involving travel insurance? Have you ever needed to activate your policy? If that’s the case, which company did you choose, and how was your experience with the claims process? Or perhaps you still have lingering inquiries about travel insurance in general?
Feel free to share your insights in the comments below, and I’ll be prompt in providing responses!
Wishing you secure and joyful travels! (And let’s hope that newly acquired travel insurance plan remains unused!)
Planning your next trip?
Already reserved your hotel or hostel? If not, we recommend Booking.com. They have a huge selection of hotels and hostels all over the world. Plus, in most cases, you can cancel your reservation without any costs up to a few days before the check-in date!
Still haven’t booked your plane ticket and want to save big? Take a look at Momondo. It’s a flight aggregator that combines several other ticket search websites to make it easier for you to compare prices and make sure you are getting the best deal.
And finally, will you need to rent a car during your trip? Then check out Rentalcar.com to search and compare car rental companies from all over the world in a single website. Then, you can find the cheapest price for the best car!