- The best travel insurances for Cyprus
- Is it currently safe to travel to Cyprus?
- Is travel insurance required for a visa to Cyprus?
- Travel Insurance for Cyprus
- Coverage Included in Travel Insurance for Cyprus
- The cost of travel insurance for Cyprus
- How to pay less for your travel insurance to Cyprus
- Can I rely on my current insurance to cover me in Cyprus?
- FAQ
- On the same topic
Travel insurance for Cyprus: key takeaways
1. Definition: Travel insurance for Cyprus covers medical emergencies, trip cancellation, and other unforeseen travel problems.
2. Key protection: Insurance is not mandatory, but crucial as US health plans rarely cover you abroad.
3. Healthcare cost: Private healthcare in Cyprus is expensive, with a hospital night costing around $500 or more.
4. Price: A one-week travel insurance plan for Cyprus typically costs between $30 and $60.
5. Good to know: Confirm your policy covers both the Republic of Cyprus and the northern part of the island.
Why trust HelloSafe?
HelloSafe is an international specialist in travel insurance comparison, advising over one million travelers every month. After analyzing 41 travel insurance policies available in the US, our experts share here everything you need to know to choose the best travel insurance for Cyprus.
The best travel insurances for Cyprus
| Contract we recommend | Medical reimbursement limit | Our view |
|---|---|---|
| HelloTravel Premium | $1.1M | Our recommendation for travel to Cyprus. - high medical limit - covers evacuation - extensive travel and baggage guarantees |
| Cap Assistance 24/24 | $1.1M | A strong option for short stays with rapid support. - 24/7 emergency helpline - cancellation insured - no deductible |
| Tourist Card | $550k | Convenient and reliable for tourists in Cyprus. - solid medical protection - emergency services - competitive rates |
| Travel Pass Monde | $770k | Balanced contract for global travelers. - hospitalization and repatriation - hospital costs covered - covers most countries |
| Globe Partner | $330k | A dependable plan for longer or repeated stays. - core medical guarantees - repatriation included - liability coverage |
| Globe Traveller | $550k | Affordable protection for easy trips to Cyprus. - essential medical cover - direct reimbursement - fixed ceiling |
- high medical limit
- covers evacuation
- extensive travel and baggage guarantees
- 24/7 emergency helpline
- cancellation insured
- no deductible
- solid medical protection
- emergency services
- competitive rates
- hospitalization and repatriation
- hospital costs covered
- covers most countries
- core medical guarantees
- repatriation included
- liability coverage
- essential medical cover
- direct reimbursement
- fixed ceiling
Is it currently safe to travel to Cyprus?
As of June 2025, the US Department of State maintains a vigilance level of “exercise normal precautions” for travel to Cyprus, with particular restrictions concerning the Turkish Cypriot-administered area and the UN buffer zone.
- Security risks: the island remains divided, and US Embassy assistance is limited in the Turkish Cypriot-administered north. Attempting to cross the UN buffer zone at unofficial points or overstaying 90 days in the north may result in detention or entry denial.
- Health risks: no specific vaccinations are required, but standard travel health precautions apply. Medical evacuation insurance is strongly advised, as evacuation and care access can be complicated in remote areas.
- Legal requirements: entry to Cyprus is only considered legal through airports in Larnaca and Paphos or the seaports of Limassol, Larnaca, and Paphos. Entering via the north’s Ercan airport is not recognized and may be subject to penalties.
- Urban crime: pickpocketing and petty theft are frequent in tourist spots, and incidents of excessive drinking and violence are reported in Paceville’s nightlife district.
Although not required, travel insurance is strongly recommended by the US Department of State, particularly to cover medical expenses and emergency repatriation, which can be extremely costly in Cyprus.
Is travel insurance required for a visa to Cyprus?
No, travel insurance is not mandatory for travelers from the US visiting Cyprus for stays under 90 days.
However, it is strongly recommended because US Medicare and Medicaid do not provide coverage abroad and private health plans rarely include international health services. Medical evacuation, which can cost several thousand dollars, is only covered by specific travel insurance policies. Without coverage, travelers are responsible for all medical or emergency costs incurred during their trip.
According to our data, 50% of travelers purchase travel insurance before going to Cyprus, mainly because of the high potential costs of medical care and emergency repatriation.
Travel Insurance for Cyprus
It is an essential financial and medical protection for anyone going to Cyprus.
In Cyprus, foreigners often need to seek treatment at private institutions like the American Medical Center in Nicosia, where fees can be significant. Public hospitals in major cities like Limassol and Larnaca exist but may not offer direct access or English-speaking staff. Costs can quickly increase for emergency care and medication.
Travel insurance covers medical expenses, hospitalization, medications, ambulance transfers, and emergency repatriation to the US in case of a serious incident.
Here are some examples of healthcare costs in Cyprus.
| Example of medical treatment | Cost at American Medical Center | Covered by travel insurance |
|---|---|---|
| I have to be hospitalized 48 hours after contracting an infection | €1,400 (about $1,495) | up to 100% |
| I broke my tibia (X-ray, cast, and crutch rental) | €950 (about $1,015) | up to 100% |
| I need to be repatriated | €18,000 (about $19,220) | up to 100% |
| I have appendicitis (consultation and surgery) | €5,000 (about $5,340) | up to 100% |
These prices are given as an indication and may vary depending on the facilities and regions. It is therefore essential to take out appropriate travel insurance to avoid unexpected and potentially high expenses.
Coverage Included in Travel Insurance for Cyprus
| Main coverages | Explanations and recommendations |
|---|---|
| 🏥 Emergency medical expenses | Covers doctor and hospital bills for injury or illness. We recommend at least $100,000 in reimbursement limit for Cyprus. |
| 🚑 Medical evacuation | Pays for transport to the nearest hospital or back to the US in a medical emergency. A minimum of $150,000 is advised due to high evacuation and repatriation costs. |
| 💊 Medication and treatment | Reimburses the cost of prescribed medicine and necessary treatments. Opt for at least $1,000 in coverage for outpatient pharmaceutical expenses. |
| 📦 Baggage and personal items | Covers loss, theft, or damage of luggage and belongings. We recommend a limit of $2,000 per trip. |
| ✈️ Trip cancellation | Reimburses prepaid, non-refundable travel costs if your trip is canceled for covered reasons. Choose coverage of at least $3,000 per traveler for Cyprus trips. |
| 🕒 Trip interruption | Covers unused travel expenses if you must cut your trip short due to an emergency. A recommended limit is $3,000. |
| 🏠 Personal liability | Covers accidental injury or property damage involving third parties. We suggest a minimum of $50,000 coverage for Cyprus travel. |
| ❄️ 24/7 assistance services | Provides immediate help in emergencies, including translation and referral to hospitals. This support should be included with all major policies for Cyprus. |
We recommend at least $100,000 in reimbursement limit for Cyprus.
A minimum of $150,000 is advised due to high evacuation and repatriation costs.
Opt for at least $1,000 in coverage for outpatient pharmaceutical expenses.
We recommend a limit of $2,000 per trip.
Choose coverage of at least $3,000 per traveler for Cyprus trips.
A recommended limit is $3,000.
We suggest a minimum of $50,000 coverage for Cyprus travel.
This support should be included with all major policies for Cyprus.
Travel insurance provided by local companies or through a bank card for US travelers typically offers limited coverage, low reimbursement limits, and more exclusions. It is safer to choose a recognized insurer with full protection. Compare the best options on HelloSafe and subscribe online for instant certification.
The cost of travel insurance for Cyprus
| Trip duration | Traveler’s age | Indicative price per person |
|---|---|---|
| 1 week | 25 years old | $20 – $30 |
| 2 weeks | 45 years old | $35 – $45 |
| 1 month | 35 years old | $50 – $70 |
| 1 month | 70 years old | $120 – $170 |
These prices are indicative and may vary depending on the coverage chosen and the specifics of each insurer.
Good to know
The price of your policy is shaped by several key details. Remember to account for factors like the traveler's age, the duration of the stay, the destination, the desired coverage amount, and optional add-ons like a cancellation waiver. Keeping these elements in mind is crucial for selecting the right coverage at a fair price.
💡 It is always recommended to compare multiple offers to find the best value-for-money plan for you. You can use HelloSafe.
👉 Compare the best travel insurance for freeI compareHow to pay less for your travel insurance to Cyprus
Here are some suggestions to optimize the cost of your travel insurance to Cyprus while keeping good coverage:
| Criteria | Why it matters | Expert tip |
|---|---|---|
| 🏥 Level of coverage | Medical expenses, repatriation, and theft are crucial in Cyprus due to remote areas and private clinics. | Choose the right deductible for your budget and compare plans. Higher deductibles can reduce premiums without sacrificing essential protections. |
| 👥 Number of travelers | Multi-person policies can be more cost-saving, especially for families or friends traveling together. | Ask for group discounts and consider all travelers under the same policy for a lower overall price. |
| ⏳ Duration of stay | Longer stays increase the cost, but you can pay only for the actual number of days in Cyprus. | Choose coverage for just your exact travel dates rather than rounded-up weeks or months. |
| 🎒 Type of activities | Activities like diving may require extra coverage, but standard plans are enough for sightseeing in cities. | Only add adventure sport riders if you plan specific higher-risk activities, not for routine city visits. |
| 🌎 Geographic area | Worldwide coverage is more expensive, but insurance for Cyprus only is usually cheaper. | Limit your policy to Europe or just Cyprus to avoid paying extra for unnecessary worldwide protection. |
| 🎂 Traveller's age | Age impacts price in most plans but Cyprus has accessible care for all ages. | Some insurers, such as Heymondo, do not increase prices for people over 62, so compare age-based pricing carefully. |
| 💼 Policy type | Basic plans are less costly, but may not include baggage or cancellation options. | Select basic cover only if you already have other protections through a credit card or another policy. |
Can I rely on my current insurance to cover me in Cyprus?
It is completely legitimate to wonder whether your current coverage—such as credit card insurance or your health insurance—can protect you during a trip to Cyprus. Unfortunately, these protections are often too limited, with low caps and many exclusions.
Here is a summary table to help you review your current insurance and what it covers.
| Type of insurance | Valid in Cyprus? | What it covers | Why Travel Insurance is better |
|---|---|---|---|
| Public health insurance (Medicare, Medicaid) | No, never | No coverage abroad | Travel insurance covers up to $250,000 for emergency hospitalization and medical expenses. |
| Private health insurance | Yes, partly | Emergency care, usually up to $50,000 overseas, often excludes evacuation and repatriation. | Travel insurance reimburses $100,000+ medical costs, includes $500/day hospital stay, and evacuation. |
| Classic credit card (Chase Freedom, Citi Simplicity, Wells Fargo Active Cash) | Yes, partly | Medical <$5,000, very limited trip delay or baggage loss, excludes pre-existing conditions. | Travel insurance offers $100,000+ medical, trip cancellation, and full baggage and travel incident cover. |
| Premium credit card (Chase Sapphire Reserve, Amex Platinum, Capital One Venture X) | Yes, partly | Medical up to $25,000–$50,000, some trip interruption, basic travel accident and delay cover. | Travel insurance covers $250,000 medical, higher trip cancellation, and unlimited evacuation/repatriation. |
Example
While riding an ATV in the Troodos Mountains, Mark crashed, requiring surgery for a severe fracture that cost $30,000. His US health plan offered no overseas coverage, and his Amex Gold card's travel protection excluded ATV rentals. Without specific travel insurance, he had to pay the entire bill himself.
Expert advice
Always check your existing insurance terms, exclusions, and limits. Critical events, like trip interruption for a relative's illness, may be excluded. Read the fine print carefully to avoid nasty surprises abroad. In all cases, it's safer and more reassuring to purchase dedicated travel insurance tailored to your trip.
FAQ
Do I need a visa to travel to Cyprus?
U.S. citizens do not need a visa to visit Cyprus for tourist stays up to 90 days. Your passport should be valid for at least three months beyond your planned departure date. If you plan to stay longer or for purposes other than tourism, additional entry requirements may apply.
How do I purchase travel insurance for Cyprus?
Start by comparing policy options using the HelloSafe travel insurance comparison tool. Carefully review the coverage and specific exclusions related to travel in Cyprus. When you find a suitable plan, you can purchase it online and will receive your coverage certificate by email.
What medical benefits should I look for in travel insurance for Cyprus?
Travel insurance for Cyprus should include emergency medical expenses, hospitalization, doctor’s visits, and medical evacuation. Since local clinics may require payment upfront, ensure your policy provides direct billing or reimbursement and ideally offers at least $50,000 in emergency medical coverage.
Is adventure sports coverage necessary in Cyprus?
Cyprus offers activities such as hiking, diving, and water sports. If you plan on pursuing these, check that your insurance covers adventure or watersport-related injuries or accidents. Many standard policies exclude such coverage, so consider adding this option if needed.
What should I do if I need medical treatment while in Cyprus?
If you require medical treatment in Cyprus, contact your insurer’s emergency assistance helpline immediately. They will help you locate a suitable medical provider, arrange payment if included in your plan, and guide you through local procedures. Save your medical receipts for any required claims.
How much does travel insurance for Cyprus usually cost?
For a one-week trip, policy prices start at about $25–$35 per person depending on age, length of stay, and the level of coverage. More comprehensive plans and coverage for higher-risk activities may cost more, so compare insurers to find the best match for your travel plans.
Do I need a visa to travel to Cyprus?
U.S. citizens do not need a visa to visit Cyprus for tourist stays up to 90 days. Your passport should be valid for at least three months beyond your planned departure date. If you plan to stay longer or for purposes other than tourism, additional entry requirements may apply.
How do I purchase travel insurance for Cyprus?
Start by comparing policy options using the HelloSafe travel insurance comparison tool. Carefully review the coverage and specific exclusions related to travel in Cyprus. When you find a suitable plan, you can purchase it online and will receive your coverage certificate by email.
What medical benefits should I look for in travel insurance for Cyprus?
Travel insurance for Cyprus should include emergency medical expenses, hospitalization, doctor’s visits, and medical evacuation. Since local clinics may require payment upfront, ensure your policy provides direct billing or reimbursement and ideally offers at least $50,000 in emergency medical coverage.
Is adventure sports coverage necessary in Cyprus?
Cyprus offers activities such as hiking, diving, and water sports. If you plan on pursuing these, check that your insurance covers adventure or watersport-related injuries or accidents. Many standard policies exclude such coverage, so consider adding this option if needed.
What should I do if I need medical treatment while in Cyprus?
If you require medical treatment in Cyprus, contact your insurer’s emergency assistance helpline immediately. They will help you locate a suitable medical provider, arrange payment if included in your plan, and guide you through local procedures. Save your medical receipts for any required claims.
How much does travel insurance for Cyprus usually cost?
For a one-week trip, policy prices start at about $25–$35 per person depending on age, length of stay, and the level of coverage. More comprehensive plans and coverage for higher-risk activities may cost more, so compare insurers to find the best match for your travel plans.
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