The Best Travel Insurance for Expats in Greece

Nadia Dardón

Immigration Content Writer

Last update 18 November, 2025

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Greece has become a dream destination for expats and digital nomads, and it’s easy to see why. Between the laid-back Mediterranean lifestyle, sun-soaked islands, and growing remote-work community, more people than ever are choosing to call Greece home, whether for a few months or a few years. But before settling into your new life by the Aegean, there’s one essential step many newcomers overlook: getting the right travel insurance.

Travel insurance isn’t just another item on your moving checklist; it’s your safety net. From unexpected medical costs to lost luggage or travel disruptions, having proper coverage ensures you can enjoy Greece without the stress of “what if?” hanging over your head. And for many expats navigating visas, long-term stays, and the Greek healthcare system, having reliable insurance isn’t just helpful; it can be a requirement.

In this guide, we’ll walk you through why travel insurance is so important for expats and digital nomads in Greece, what benefits to expect, and how to choose coverage that fits your lifestyle. We’ll also introduce an option built specifically for people living abroad, offering global protection, flexible plans, and the peace of mind you need to explore Greece freely.

Why Travel Insurance Is Essential in Greece

Moving to Greece as a digital nomad, expat, or remote worker comes with endless perks, but it also means navigating a new healthcare system, unfamiliar logistics, and the unpredictability of life abroad. That’s where travel insurance becomes essential. It acts as your foundation of security, ensuring that no matter what happens, you’re not facing challenges alone or unprepared.

For many expats, the Greek healthcare system can feel confusing at first. Public services are available, but access often depends on residency status, local registration, and long processing timelines. Until you’re fully integrated, and sometimes even after, you may find yourself relying on private healthcare, where costs can vary widely. Travel insurance fills that gap, giving you stability while you settle into your new routine.

There’s also the practical reality of living internationally. Flights get delayed, plans change, homesickness hits, and unexpected emergencies can happen far from home. Whether you’re moving between islands, exploring Europe on weekends, or juggling visa requirements, having insurance ensures you’re covered for situations that could otherwise derail your stay.

On top of this, many long-stay visas and residency permits in Greece require proof of valid insurance. Without it, you may not be able to complete your application or extend your stay. Even if you’re not tied to a visa program, having travel insurance gives you the confidence to live, work, and explore without worrying about logistical setbacks.

In short, travel insurance isn’t just a “nice to have” for expats and digital nomads in Greece; it’s a key part of protecting your lifestyle, your plans, and your peace of mind while living abroad.

Special Considerations for Expats & Remote Workers in Greece

Living and working remotely in Greece is an incredible experience, but it also comes with a few unique factors that expats and digital nomads need to keep in mind, especially when it comes to insurance.

1. Bureaucracy and paperwork

Greece is known for its slow administrative processes. Whether you're applying for a long-stay visa or a residence permit, authorities often require proof of valid insurance. Without it, even simple steps can turn into delays.

2. Varying access to healthcare

Life in Greece looks different depending on where you settle. Big cities like Athens and Thessaloniki have well-equipped hospitals, while many islands only offer basic medical facilities. Serious cases may require transport to the mainland, so having reliable coverage is crucial.

3. A mobile lifestyle

Remote workers and digital nomads rarely stay put. Weekend trips, cross-border travel within the EU, or quick returns home are common. You need insurance that moves with you, not one that only works when you’re standing still.

4. Protecting work essentials

Your laptop, phone, and other gear are your livelihood. Working from cafés, ferries, and co-working spaces adds freedom, but it also increases the risk of loss or damage. Insurance helps protect the tools that keep your income flowing.

5. Ongoing uncertainty during long-term stays

Settling in isn’t always seamless. Delayed documents, housing changes, or travel adjustments can all pop up unexpectedly. Insurance gives you a safety net while you navigate your new life abroad.

Together, these considerations make it clear: expats and remote workers in Greece need coverage built for flexibility, long-term living, and cross-border lifestyles.

Benefits of a Good Insurance Plan for Greece

A high-quality insurance plan gives expats, digital nomads, and remote workers in Greece the stability they need to truly enjoy life abroad. Here are five key benefits that make the right coverage essential:

1. Consistent Access to Quality Healthcare

Healthcare standards in Greece vary considerably depending on where you are. While major cities offer excellent hospitals and specialists, many islands and smaller towns have limited facilities. A good insurance plan ensures you can always receive proper care, including the option to visit private clinics, English-speaking doctors, or specialists who may otherwise be expensive or difficult to access.

2. Protection Against Unexpected Medical Costs

Even in an affordable country like Greece, medical bills can add up quickly, especially if you’re using private care or require urgent treatment. With the right insurance, you won’t need to worry about high out-of-pocket costs after an accident, an illness, or an emergency. This financial protection allows you to focus on recovering rather than stressing about the impact on your budget.

3. Coverage for Medical Evacuations and Transfers

Greece’s geography adds a unique layer of risk. If you’re based on an island or in a remote area, serious medical situations may require transportation to a larger city or even another country for specialized care. A strong insurance plan covers costly medical evacuations and transfers, giving you access to the best possible treatment, no matter where you’re staying.

4. Stability for Your Travel and Mobility

Living in Greece often means hopping between islands, taking ferries, flying around Europe, or making frequent trips home. A good insurance plan supports this mobile lifestyle by covering disruptions, cancellations, or unexpected changes that can impact both your travels and your work. This ensures your plans (and your income) stay protected during your time abroad.

5. Security for Your Digital Nomad Gear

Remote workers rely heavily on their tech, and losing a laptop or having equipment damaged can affect both your productivity and your livelihood. A reliable insurance plan protects your essential gear from theft, loss, or accidental damage, giving you peace of mind whether you’re working from a beach café, a co-working space in Athens, or a ferry deck in the Cyclades.

Travel Insurance with Citizen Remote

At Citizen Remote, we know that moving to Greece isn’t just a change of scenery, it’s a whole new way of living. Whether you’re working remotely from a sunlit café in Athens, settling into a cozy apartment in Thessaloniki, or island-hopping through the Cyclades on your days off, your insurance should be as flexible and adventurous as you are. Our platform is built to support expats, digital nomads, and remote workers with everything they need to feel secure, confident, and connected throughout their stay in Greece.

Global Coverage — Including Greece and the Rest of Europe

Our travel insurance plans offer worldwide protection, giving you the freedom to explore Greece and beyond without hesitation. Whether you’re spending months in Crete, taking quick trips to neighboring countries, or flying home to visit family, your coverage follows you wherever life takes you. From a routine checkup in Athens to an unexpected emergency on a remote island, your plan stays with you every step of the way.

Tailored Plans for Expats and Remote Workers

Traditional travel insurance isn’t designed for long-term living abroad, but we are. Our plans are specifically created for expats and digital nomads who need coverage that fits a more flexible lifestyle. Enjoy protection for extended stays, work-related travel, and essential belongings like laptops, cameras, and other equipment you rely on every day. With Citizen Remote, you can focus on enjoying Greece’s culture, cuisine, and coastal beauty, knowing you’re protected.

Customizable Coverage with WorldTrips

Thanks to our partnership with WorldTrips, you can build an insurance plan that’s perfectly aligned with your needs. Adjust your deductible, choose your coverage limits, and select the protections that matter most, from medical care and emergency evacuation to trip interruption coverage. It’s flexible, affordable, and designed to ensure you’re never paying for coverage you don’t actually need.

Visa and Residency Support

Greece offers several pathways for expats and remote workers, including the Digital Nomad Visa, the Financially Independent Visa, and long-stay residence permits, and most of these require valid insurance coverage. Citizen Remote helps you meet these requirements with compliant plans that simplify the entire application process. We also provide resources to help you understand Greek bureaucracy, stay organized, and settle into your new community with confidence.

Comprehensive Lifestyle Support

Citizen Remote goes beyond insurance. We help you build your life in Greece through services designed to make your transition smooth and enjoyable. From accommodation guidance and local networking opportunities to eSIMs for seamless connectivity and city guides that help you navigate daily life, we’re here to support every part of your journey.

Whether you’re relocating for work, adventure, or the irresistible charm of the Mediterranean, Citizen Remote ensures you’re fully supported every step of the way, so you can enjoy Greece’s beauty, history, and warm hospitality with complete peace of mind.

Final Thoughts: Starting Your Greek Adventure with Confidence

Traveling or relocating to Greece as an expat, digital nomad, or remote worker is an exciting chapter, one filled with new experiences, stunning landscapes, and endless opportunities to explore. But thriving abroad means making sure you’re prepared for the unexpected, and having the right insurance is a key part of that foundation.

With comprehensive coverage, you can navigate Greece’s vibrant cities, peaceful islands, and rich cultural heritage without worrying about what might go wrong. Whether you’re settling in for a long-term stay or exploring the country one ferry ride at a time, the right plan keeps you protected, supported, and free to enjoy every moment.

Citizen Remote is here to guide you through every step of your journey, from choosing the right insurance to building a life you love in Greece. Your adventure deserves peace of mind, and with the right coverage in place, you’ll be ready to experience the best that Greece has to offer. Get a Free Quote with Citizen Remote and see how much peace of mind costs for your next adventure!

Disclaimer:

The information provided in this article is for general informational purposes only and does not constitute legal, financial, or insurance advice. While every effort has been made to ensure accuracy, no guarantee is made regarding the completeness, reliability, or applicability of the information provided. Nothing in this article should be interpreted as a promise or guarantee of coverage, performance, or eligibility. Readers are solely responsible for verifying details directly with their insurance provider and reviewing all policy documents and coverage terms prior to purchase. Citizen Remote and its affiliates disclaim all liability for any loss or damages arising from reliance on the information herein.

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