Travel insurance in Cyprus in 2024. Affordable travel insurance in Cyprus.
Travel Insurance Cyprus
Travel insurance is an insurance product designed to protect you against risks and financial losses that can occur while travelling.
The risks range from minor inconveniences, such as missed airline connections and delayed luggage, to more severe issues, including injuries or major illness.
There is a large spectrum of travel insurance contracts in Cyprus. Each contract has significant differences, and for this reason, the cost varies significantly.
In this guide to travel insurance in Cyprus, we will elaborate on the different coverages provided by local and international insurance companies selling travel insurance.
We aim to help you pick your ideal plan and save money.
Table of contents
- What is covered by travel insurance?
- What does travel insurance not cover?
- Types of travel insurance
- When is it too late to buy travel insurance?
- How much is travel insurance in Cyprus?
- How to get travel insurance in Cyprus
- Affordable travel insurance in Cyprus
- Travel insurance for Cyprus
- Best travel insurance in Cyprus
- Travel insurance from Cyprus
- Travel insurance quotes
- Travel insurance Cyprus online
What is covered by travel insurance in Cyprus?
What does travel insurance cover? Depending on your choice of coverage, travel insurance can cover a broad array of possible damages and losses.
We will present coverages below that can be found in a travel insurance contract in Cyprus.
Travel Health Insurance in Cyprus
Cyprus travel insurance can help protect you from medical expenses abroad that your local health insurance in Cyprus doesn’t cover.
Local health insurance plans in Cyprus don’t provide outpatient expenses in foreign countries. See our health insurance article here for more information.
Travel insurance works in addition to your health insurance and can help supplement medical care costs if you get injured or sick before or during your vacation.
Lost luggage
Travel insurance can help cover expenses stemming from lost or stolen luggage. This benefit is especially useful if an airline loses your luggage, as getting them to pay for it can be challenging.
Travel insurance will cover your lost or stolen baggage up to a specific limit.
There’s usually a maximum amount you can claim for a single item and a maximum amount you can claim in total.
Repatriation cover
Repatriation cover can offer protection against the high cost of bringing you (or a family member) back to Cyprus after illness, injury, or even death while abroad.
It may be necessary to transport you home because you can’t get the appropriate treatment where you are or because it’ll work out cheaper (for the insurance provider) to bring you home and complete your treatment in Cyprus.
Last-minute cancellations - trip cancellation
A trip cancellation policy can reimburse you for your prepaid and non-refundable costs if you cannot travel due to an unforeseeable event.
Depending on your coverage, your policy will help cover your expenses up to the time and date of your departure.
While rules and coverage limits vary by policy type and insurer, here are some examples of problems commonly covered by trip cancellation insurance:
- Any serious injury or unforeseen medical condition that renders you or your travel companion unfit for travel (by order of a licensed physician).
- Strikes or severe weather that result in travel services being unable to operate.
- Unexpected natural disasters at home or at the destination that make them uninhabitable.
- Professional meetings
- A legal obligation such as a trial.
Trip interruption
Trip interruption coverage reimburses unused, prepaid, non-refundable expenses if travellers unexpectedly need to cut their trip short.
For example, suppose you become sick or an emergency evacuation is ordered during your travels. Trip interruption coverage can reimburse some or all of your insured costs.
Trip delay
If you are delayed during your trip, travel delay coverage can reimburse reasonable expenses, such as temporary accommodations, meals and transportation.
Change fee
This coverage comes into effect if you need to change your travelling dates for a covered reason.
This coverage can reimburse you for the airline fees to change the dates you will travel up to the benefit limit described in your contract.
Lost or stolen passports
Most travel insurance policies cover stolen and lost passports and can cover the cost of the replacements.
Sometimes, travel insurance will cover costs like additional flights or extra nights in a hotel while you wait for your emergency travel document. This can be in place of or as well as the replacement fees – so make sure to read the small print.
Travel Insurance Covid Coverage in Cyprus
Most travel insurance policies in Cyprus provide trip cancellation and interruption insurance if you test positive for Covid and need to quarantine and cancel your trip.
If your trip is cut short or cancelled due to a positive Covid test, you can be reimbursed for non-refundable trip costs you have paid for.
Most travel insurance in Cyprus covers medical care costs if you contract the virus during your trip.
You can be reimbursed up to your policy limits for doctor and hospital bills, lab work, and treatment.
Generally, some travel insurance companies in Cyprus treat Covid-19 like any other illness, but some do not.
Pandemics and epidemics can be considered “foreseeable events”, “meaning travel insurance benefits may not apply in some cases.
Your policy will detail possible exclusions.
What does travel insurance not cover in Cyprus?
As mentioned above, travel insurance policies in Cyprus are extremely diverse.
Each policy has different terms, and you should spend considerable time reading the contracts before committing to one.
The usual exclusions of Cyprus travel insurance policies are the following:
- Failure to get relevant immunizations or vaccinations.
- Errors or omissions in your travel bookings.
- Incidents involving drugs or alcohol.
- Loss of luggage and belongings left unattended.
- Riding a motorcycle without a helmet or while unlicensed.
- Countries with ongoing war conflicts.
- Pre-existing medical conditions.
- Pandemics (some policies do not include covid incidents).
Types of travel insurance in Cyprus
Generally, there are two main types of travel insurance plans in Cyprus: single-trip travel insurance and multi-trip travel insurance.
Single-trip travel insurance in Cyprus
The single-trip travel insurance plan provides financial protection for only one trip. This one trip might last up to 180 days.
If you travel to multiple destinations in a single trip, it will still be considered one trip.
The plan starts once you board a flight from your home country and lasts until your return to your home country or the end of the policy period (whichever is earlier).
When applying for single-trip travel insurance, you should declare a detailed account of the dates of all flights and arrivals of all intermediary destinations.
Multi-trip travel insurance in Cyprus
The multi-trip travel insurance plan in Cyprus provides coverage for a specified time, typically for a year, wherein you can travel as many times as you want under the same plan.
The coverages are the same as single-trip insurance.
Like single-trip insurance, this plan also covers emergency medical expenses, loss of passport, and trip cancellation.
However, some plans have limitations on the duration of trips in a year, varying from 30-70 days. Therefore, before buying one, you must thoroughly read all the terms and conditions.
What travel insurance do I need?
Both of the plans above offer similar coverage with the exception of their duration.
The primary reason to prefer one over the other depends on the number of travel trips you will take in a year. It will also help if you keep in mind the duration of those trips.
We recommend multiple-trip travel insurance for those who travel often since it will be cheaper per trip.
When is it too late to buy travel insurance?
The price of travel insurance doesn’t increase the closer you get to your travel date.
Nevertheless, there are many reasons to buy travel insurance when you book your tickets or at least 15 days before you travel.
By purchasing your insurance as early as possible, you can maximise your coverage and buy potential and optional upgrades that require immediate purchase.
Don’t forget that you can amend your travel insurance policy by requesting a change in your contract, so you will not lose your travel insurance money if your trip is postponed.
We suggest you buy your travel insurance early because you might need the trip cancellation coverage offered to you.
If you get sick or injured before your trip starts and must cancel, travel insurance can help to recover your non-refundable, prepaid trip costs.
How much is travel insurance in Cyprus?
It is not simple to answer the question, how much does travel insurance cost in Cyprus.
Due to the great variety of policies provided by both local and international providers, it is complicated to calculate the average cost of travel insurance in Cyprus.
Below we present some prices for permanent residents of Cyprus wishing to travel abroad:
- The cost of travel insurance in Cyprus can range from €20 - €250.
- According to our data, the average cost of travel insurance in Cyprus is about €45 per person for a single seven-day trip (excluding trips in the USA and Canada).
- The minimum cost of travel insurance in Cyprus is about €20 per person for a seven days single-trip to destinations near Cyprus (e.g. Greece, Italy etc.).
The following factors determine the price of single-trip travel insurance in Cyprus:
- Age of the insured.
- Gender of the insured.
- The total cost of the trip.
- The number of days abroad.
- Type of plan, the limit of coverage, and terms.
- Destination. Some countries are considered riskier than others, increasing insurance costs as a result. Also, some countries (e.g. USA and Canada) have extremely high medical expenses. Therefore the insurance, in this case, is more expensive.
Affordable travel insurance in Cyprus
There are many ways to save money when travelling, but not buying travel insurance doesn’t necessarily count.
There are many cheap travel insurance policies in Cyprus. These policies provide the most standard coverages at the most profitable price.
As mentioned above, travel insurance costs can be as low as €20.
Cheap Travel Insurance in Cyprus
Pitsas Insurances cooperates with many travel insurance providers and can help you to find the most affordable option for you and your family.
How to get travel insurance in Cyprus
Most insurance companies in Cyprus provide travel insurance plans.
There are cheap travel insurance plans that might cost €20 per person per one 7-day trip, while there are also comprehensive plans that might cost over €100.
In addition to the differences in terms, Cyprus-based companies provide both single-trip and multi-trip travel insurance policies.
Nevertheless, most Cyprus-based insurance companies exclusively provide travel insurance to those living permanently in Cyprus.
In general, tourists should acquire travel insurance from international online providers.
Pitsas Insurances can guide you on how to buy travel insurance in Cyprus, and we beneficially provide travel insurance for Cyprus residents and also tourists.
Travel insurance for Cyprus
Travel insurance for your trip to Cyprus is mandatory if you travel on a Schengen Visa from another country.
The national visa requirements are identical to a Schengen Visa - covering costs up to €30,000.
To obtain a visa to Cyprus, your travel insurance has to meet the following criteria:
- Cover expenses connected to repatriation for medical reasons.
- At least €30,000 minimum for medical expenses.
If you don’t need a visa, e.g. European Union citizens, travel insurance is optional but highly recommended. Medical costs can be high for foreigners in Cyprus.
Pitsas Insurances are leading experts in delivering travel insurance policies that meet Schengen countries’ requirements (and those mirroring its rules) to obtain a visa for over 20 years.
Best travel insurance in Cyprus
The best travel insurance policy does not exist, but there is one best suited to your needs.
Each individual and each trip requires separate assessments. Your personal needs define the terms outlined in your travel insurance policy.
Our insurance specialists will help you find the most profitable option for your travel insurance based on your needs and budget constraints.
Travel insurance from Cyprus
Most Cyprus-based insurance companies provide travel insurance exclusively to those who live permanently in Cyprus.
Pitsas Insurances provide travel insurance for Cyprus residents wishing to acquire an insurance policy.
Travel insurance quotes
The specialists at Pitsas Insurances will help you to find the best trip insurance policy for your unique travel concerns.
We understand that every trip is unique, as are your travel concerns.
Travel Insurance Cyprus
Complete our simple quotation form, and an insurance specialist will communicate with you about our offers. See our website for more details about our offerings.
We help you compare travel insurance to choose the right product for your needs.
Travel insurance Cyprus online
Pitsas Insurances is the largest travel insurance provider in Cyprus and provides the best deals for travel insurance Cyprus.
Complete our online questionnaire, and we will quickly calculate the most profitable Cyprus travel insurance offers for you.
Pitsas Insurances Team