Travel insurance
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| Feature / category | AIG Jun 1, 2026 Open details | Atlantic Insurance Jun 1, 2026 Open details | ERB Asfalistiki Jun 1, 2026 Open details | Genikes Insurance Jun 1, 2026 Open details |
|---|---|---|---|---|
| Overview | ||||
Insurer | AIG Europe S.A. (Cyprus Branch) | Atlantic Insurance Co. Public Ltd | ERB Asfalistiki (formerly CNP Asfalistiki) | General Insurance of Cyprus Ltd. |
Online purchase | No | No | No | Yes |
24/7 helpline | Yes | No | Yes | Yes |
Billing basis | per_trip | per_trip | per_trip | per_trip |
Unique selling points |
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IPID | Not available | IPID | Not available | Not available |
| Coverage | ||||
Medical expenses | — | €30,000 | Covered | Covered |
Medical transport | — | Covered | Covered | Covered |
COVID-19 treatment | — | Covered | COVID-19 treatment coverage is not explicitly confirmed or denied in the accessible product page content. General medical expenses coverage may apply if COVID-19 is treated as an illness, subject to policy terms. Specific COVID-19 coverage status not publicly disclosed. | COVID-19 treatment coverage status is not explicitly confirmed or excluded in available GIC marketing sources. Whether COVID-19 is treated as a standard illness or excluded requires verification in the full policy wording. |
Personal liability | — | €10,000 | Personal liability coverage is not explicitly confirmed or listed as a standard benefit in the publicly available product description. Coverage status requires verification from full policy terms. | Optional |
Emergency dental | — | Excluded | Covered | Covered |
Search & rescue | — | Not offered | Excluded | Covered |
Legal assistance | — | Not offered | Legal assistance is not explicitly listed as a standard benefit in the publicly available product description. Coverage status requires verification from full policy terms. | Legal assistance coverage is not explicitly confirmed or excluded in available marketing sources. Coverage status must be verified in the full policy wording. |
Emergency medical treatment | — | €30,000 | Covered | Covered |
Hospitalization | — | — | Covered | Covered |
Outpatient treatment | — | — | Covered | Covered |
Medical evacuation | — | Covered | Covered | Covered |
Repatriation of remains | — | Covered | Covered | Covered |
Pre existing conditions | Excluded | Excluded | Excluded | Coverage for pre-existing conditions is not explicitly confirmed in the available marketing sources. Standard travel insurance products in Cyprus typically exclude or conditionally cover pre-existing conditions. Full policy wording must be consulted. |
Winter sports cover | Covered | Optional | Excluded | Optional |
Adventure sports cover | Covered | Excluded | Excluded | Optional |
Pregnancy complications | — | Excluded | Coverage for pregnancy complications is not explicitly addressed in the publicly available product page. General medical expenses coverage may apply subject to policy terms and conditions. | Coverage for pregnancy complications is not explicitly stated in available marketing sources. Standard travel insurance policies in Cyprus may cover emergency complications. Full policy wording must be consulted. |
| Key conditions | ||||
Assistance call deadline | Not specified in publicly available Cyprus-specific sources. Contact the AIG assistance line or authorised broker (DigiCare) for the applicable call deadline. | The policy requires that any occurrence which may give rise to a claim must be notified to the insurer immediately in writing. No specific pre-authorisation or assistance call deadline is stated in the IPID for travel medical claims. | Medical expenses and hospitalization must be notified immediately to the assistance center upon occurrence, or cover may be denied. The Eurobank cardholder certificate (held at ERB Asfalistiki's Nicosia offices) explicitly states that failure to notify immediately may result in denial of coverage. | Policyholders should contact the 24-hour travel assistance service as soon as possible in the event of a medical emergency. Prior authorization is typically required before incurring significant medical expenses. Specific deadlines are not publicly disclosed and must be confirmed in the full policy wording. |
Purchase while abroad | Not confirmed in publicly available sources. The Cyprus branch or an authorised broker should be contacted for policy purchase conditions while abroad. | The policy is issued by Atlantic Insurance Co. Public Ltd in Cyprus. No specific provision for purchasing or extending the policy while already abroad is stated in the reviewed sources. The premium must be paid before or on its due date. | The policy must be purchased prior to departure from Cyprus. Policies must be obtained from any ERB Asfalistiki office or from an Insurance Agent before travel begins. | The policy must generally be purchased before departure. Purchase while already abroad is not confirmed as available for this product. The online purchase portal allows purchase prior to the trip. |
Chronic conditions | Chronic diseases that constitute pre-existing conditions are excluded from coverage. The policy does not cover medical conditions which the insured had before the cover incepted. | Loss or hospitalization resulting from a medical condition for which the insured person is receiving or is on a waiting list for in-patient treatment is not covered under Sections 3, 4 and 6. Chronic disease management is therefore effectively excluded. | Pre-existing disability or illness is explicitly excluded from coverage. Insureds must declare all information in the Insurance Proposal; failure to disclose may void coverage for undeclared conditions. | Chronic diseases and pre-existing medical conditions are typically subject to exclusion or specific conditions under standard travel insurance. Coverage for chronic conditions must be verified in the full policy wording. |
Pregnancy | Coverage for pregnancy-related conditions is subject to policy terms and conditions. The policy contains health-related conditions affecting persons travelling; specific pregnancy clauses are not disclosed in publicly available Cyprus-specific documents. | Any loss or damage or any liability of the insured person resulting from pregnancy or confinement is explicitly excluded from all sections of the policy. | Pregnancy and pregnancy-related complications are not explicitly addressed in the publicly available product description. The general medical expenses coverage may apply subject to policy terms; status must be confirmed from full policy documentation. | Coverage for pregnancy and pregnancy-related complications during travel is not explicitly confirmed in available marketing sources. Policyholders who are pregnant should verify coverage terms in the full policy wording before purchase. |
Unauthorized treatment | Policy terms require the insured to take all reasonable steps to avoid or reduce any loss, and to notify AIG before obtaining medical treatment where possible. Failure to comply may result in reduced or denied claims. Specific penalty terms for the Cyprus Global Travel Guard product are not publicly disclosed. | The insured must not undertake admission of any offer, promise or payment without the insurer's written consent. Seeking treatment without proper notification may affect coverage. Medical charges incurred in Cyprus are not covered under Sections 3, 4 and 6. | Treatment obtained without notifying the assistance center first may not be reimbursed. Failure to notify may prejudice or delay the right to indemnity or benefit under the insurance. | Treatment obtained without prior contact with or authorization from the 24-hour assistance service may not be reimbursed or may result in reduced benefits. Specific penalty terms must be confirmed in the full policy wording. |
Pre existing conditions | Pre-existing medical conditions are explicitly excluded. The policy does not cover medical conditions which you or persons travelling with you had before the cover incepted. This policy also does not cover medical conditions of a relative or business associate if you were aware of circumstances likely to lead to a cancellation at the time of booking. | Any loss or damage or any liability resulting from a pre-existing disability or illness is explicitly excluded. Additionally, loss or hospitalization resulting from a medical condition for which the insured person is receiving treatment, on a waiting list for in-patient treatment, or has received a terminal prognosis, is not covered under Sections 3, 4 and 6. | Pre-existing disability or illness ("Προϋπάρχουσα ανικανότητα ή ασθένεια") is listed as an explicit exclusion. Insureds must declare all health information at the time of the Insurance Proposal; non-disclosure may result in denial of claims. | Pre-existing medical conditions are subject to standard exclusion terms. Coverage may be conditional or unavailable depending on the condition. Policyholders should review the full policy wording to understand what pre-existing conditions may be covered or excluded. |
Coverage duration limit | The policy covers both return and one-way trips outside the country of residence, subject to the applicable duration terms set out in the policy. Specific maximum trip duration limits for the Cyprus Global Travel Guard product are not published in publicly available sources. | The period of insurance is always indicated in the schedule of the insurance policy. For all sections except Section 6, coverage starts when the insured enters the place of departure on the commencement date of travel (or at policy inception, whichever is later) and terminates when the insured exits the place of arrival or upon completion of the number of days specified in the schedule (whichever is earlier). Annual policies with increased limits are available for frequent travellers. | The policy is issued on an annual insurance fee basis for the duration of each trip; the exact maximum number of days per trip is not publicly stated. Coverage applies for the duration of any kind of trip outside Cyprus. | Travel insurance covers the entire duration of the trip for a period of either 30 or 60 days per trip. A stamp fee of EUR 2 applies to each policy. |
| Proof and next steps | ||||
Direct payment policy | Not confirmed in available sources. AIG Cyprus does not publish pricing or direct payment terms online; policies are placed via the Cyprus branch or authorised brokers such as DigiCare. | The insured must settle medical expenses out of pocket and then submit a claim to Atlantic Insurance with receipts and supporting documentation. Direct payment to providers is not stated in the policy documents. | Direct payment of medical/hospitalization expenses is available when the assistance center is notified in advance; otherwise reimbursement applies after submission of receipts and documentation. | Claims are handled directly and effectively by Genikes Insurance following damages. Direct payment arrangements for medical emergencies may be coordinated through the 24-hour travel assistance service. Policyholders should contact the assistance line before seeking treatment wherever possible. |
Last verified | Jun 1, 2026 | Jun 1, 2026 | Jun 1, 2026 | Jun 1, 2026 |