Extracted from source documents

Cosmos Insurance Travel insurance (Travelcare)

Underwritten by Cosmos Insurance Company Public Ltd · Cyprus

travel insurance from Cosmos Insurance for the Cyprus market, with online purchase.

Last verified Aug 24, 2026Sources

Online purchase

Unique selling points

Emergency medical expenses covered up to €150,000 after an accident or sudden illness abroad.

Instant online purchase of the travelCARE policy in a few clicks.

Covers the whole family or travel companion under a single policy, not just the individual traveller.

Trip cancellation/delay benefit triggered by a wide range of reasons, including emergency call to duty for Guard, Police, Fire Service or medical personnel.

Coverage limits

Covered

Emergency Medical Expenses

€150K

Up to €150,000 coverage for emergency medical expenses after an accident and/or illness during the trip.

Section: travelCARE – Travel Insurance

Up to €150.000 coverage for emergency medical expenses after an accident and/or illness during the trip.

Covered

Emergency Medical Treatment Abroad

€150K

Medical expenses, locating/rescue expenses and hospital transfer costs while outside Cyprus, up to €150,000.

Section: travelCARE – Travel Insurance

Up to €150.000 coverage for emergency medical expenses after an accident and/or illness during the trip.

Covered

Hospitalization

Covered

Hospital transfer and treatment expenses are covered under the emergency medical care part; the specific limit is set out in the Policy Schedule.

Clause 1Page 1

Section: Τι ασφαλίζεται; > 1. Επείγουσα ιατρική φροντίδα

Ιατρικά έξοδα, έξοδα εντοπισμού και διάσωσης ή μεταφοράς στο νοσοκομείο

Outpatient Treatment

€150K

Covered

Emergency Dental Treatment

Covered

Dental treatment expenses for emergency pain relief only, not routine dental work; limit set in the Policy Schedule.

Clause 1Page 1

Section: Τι ασφαλίζεται; > 1. Επείγουσα ιατρική φροντίδα

Οδοντιατρική βοήθεια για άμεση ανακούφιση πόνου

Covered

Medical Transport

Covered

Additional transport or accommodation costs and return-ticket change expenses if medically required to stay abroad longer than planned; limit set in the Policy Schedule.

Clause 1Page 1

Section: Τι ασφαλίζεται; > 1. Επείγουσα ιατρική φροντίδα

Πρόσθετες δαπάνες για μεταφορές ή διαμονή και έξοδα αλλαγής εισιτηρίου επιστροφής, αν είναι ιατρικά επιβεβλημένο να παραμείνετε εκτός Κύπρου για μεγαλύτερο χρονικό διάστημα από ό,τι ο αρχικός σας προγραμματισμός

Covered

Emergency Repatriation/Evacuation

Covered

Cover for emergency repatriation or evacuation if medically necessary during the trip; limit set in the Policy Schedule.

Section: travelCARE – Travel Insurance

Cover for emergency repatriation/evacuation if it is medically necessary.

Covered

Repatriation of Remains

Covered

In case of death, expenses for transport of the remains to Cyprus are covered; limit set in the Policy Schedule.

Clause 1Page 1

Section: Τι ασφαλίζεται; > 1. Επείγουσα ιατρική φροντίδα

Σε περίπτωση θανάτου, τα έξοδα μεταφοράς της σωρού στην Κύπρο

Covered

Search and Rescue / Locating Expenses

Covered

Locating and rescue expenses are covered as part of emergency medical care; limit set in the Policy Schedule.

Clause 1Page 1

Section: Τι ασφαλίζεται; > 1. Επείγουσα ιατρική φροντίδα

Ιατρικά έξοδα, έξοδα εντοπισμού και διάσωσης ή μεταφοράς στο νοσοκομείο

COVID-19 Treatment

No limit stated

Not mentioned in the available sources.

Excluded

Pre-existing Medical Conditions

Excluded

Emergency medical care arising from pre-existing medical conditions or ailments is excluded.

Clause 1Page 1

Section: Τι δεν ασφαλίζεται; > 1. Επείγουσα ιατρική φροντίδα

που προέκυψε από προϋπάρχουσες ιατρικές καταστάσεις ή παθήσεις ή έξοδα που δεν σχετίζονται με την ασθένεια ή τον τραυματισμό που οδήγησε τον ασφαλισμέωνο ταξιδιώτη στο νοσοκομείο ή δεν ήταν ιατρικά επιβεβλημένο να πραγματοποιηθούν κατά τη διάρκεια του ταξιδιού

Conditional

Winter Sports Cover

Conditional

Engaging in any dangerous sport or activity is excluded only from the Personal Accident benefit (Part 2); it does not exclude emergency medical cover (Part 1). Professional participation or training in any sport is excluded throughout the policy.

Clause 2Page 2

Section: Τι δεν ασφαλίζεται; > 2. Ωφέλημα προσωπικών ατυχημάτων

για ατύχημα κατά τη διάρκεια ενασχόλησης με οποιοδήποτε επικίνδυνο άθλημα ή δραστηριότητα

Conditional

Adventure Sports Cover

Conditional

Engaging in any dangerous sport or activity is excluded only from the Personal Accident benefit (Part 2); it does not exclude emergency medical cover (Part 1). Professional participation or training in any sport is excluded throughout the policy.

Clause 2Page 2

Section: Τι δεν ασφαλίζεται; > 2. Ωφέλημα προσωπικών ατυχημάτων

για ατύχημα κατά τη διάρκεια ενασχόλησης με οποιοδήποτε επικίνδυνο άθλημα ή δραστηριότητα

Conditional

Pregnancy Complications

Conditional

Pregnancy or childbirth during the trip is excluded unless precipitated by an injury or illness, in which case it may be covered.

Page 1

Section: Τι δεν ασφαλίζεται;

Εγκυμοσύνη ή γέννα κατά τη διάρκεια του ταξιδιού που δεν έχει επισπευτεί εξαιτίας οποιουδήποτε τραυματισμού ή ασθένειας

Key conditions

Assistance call deadline

The policy does not specify an explicit deadline for calling the assistance line; however, treatment must be medically necessary during the trip and expenses not medically warranted are excluded.

Unauthorized treatment

Expenses not medically necessary during the trip, or unrelated to the illness/injury that led to hospitalization, are not covered.

Purchase while abroad

Not addressed in the available sources; the policy requires the premium to be paid before the trip starts, implying purchase before departure.

Chronic conditions

Not separately addressed; conditions existing before the trip fall under the pre-existing medical conditions exclusion of Part 1 (emergency medical care).

SourceClause 1Page 1

Section: Τι δεν ασφαλίζεται; > 1. Επείγουσα ιατρική φροντίδα

που προέκυψε από προϋπάρχουσες ιατρικές καταστάσεις ή παθήσεις ή έξοδα που δεν σχετίζονται με την ασθένεια ή τον τραυματισμό που οδήγησε τον ασφαλισμέωνο ταξιδιώτη στο νοσοκομείο ή δεν ήταν ιατρικά επιβεβλημένο να πραγματοποιηθούν κατά τη διάρκεια του ταξιδιού

Pregnancy

Pregnancy or childbirth during the trip is excluded unless precipitated by an injury or illness.

Pre-existing condition exclusions

Emergency medical care arising from pre-existing medical conditions or ailments is excluded, as are costs unrelated to the illness/injury requiring hospitalization.

Coverage duration limit

Cover starts at the beginning of the trip (once the proposal is accepted and premium fully paid) and ends on the declared return date or the actual return date, whichever is earlier.

Direct payment

Not specified in the reviewed sources.

Territorial scope

Coverage applies on the route from the moment you leave your home until you return to it, for a round trip outside Cyprus by air or sea, to and from the geographic area or country declared in the Insurance Proposal, including any intermediate stops declared.

Documents

travelCARE Insurance Product Information Document (IPID) (opens in a new tab)

Product information sheet · PDF

Policy specifics

Emergency Repatriation/Evacuation

Cover for emergency repatriation or evacuation if medically necessary during trip

Source

Section: travelCARE – Travel Insurance

Cover for emergency repatriation/evacuation if it is medically necessary.

Trip Cancellation/Delay Allowance

Allowance in case of delay or cancellation of trip due to accident, sudden illness, emergency call in line of duty, home-related incident, or death/injury of close relative

Source

Section: travelCARE – Travel Insurance

Allowance in case of delay or cancellation of the trip due to an accident or sudden illness.

Luggage Delay Essential Items

Reasonable expenses for purchase of essential items due to delay in arrival of luggage

Source

Section: travelCARE – Travel Insurance

Reasonable expenses for the purchase of essential items due to delay in the arrival of luggage.

Personal Accident Cover

Compensation in case of death or bodily injury of the traveller

Source

Section: travelCARE – Travel Insurance

Personal Accident cover, compensating in case of death or bodily injury of the traveller.

Emergency Medical Expenses

Up to €150,000 coverage for emergency medical expenses after accident and/or illness during trip

Source

Section: travelCARE – Travel Insurance

Up to €150.000 coverage for emergency medical expenses after an accident and/or illness during the trip.

Dangerous Activity Exclusion

Personal Accident benefit excludes: minor travellers; accidents while engaged in any dangerous sport or activity; and accidents related directly or indirectly to a pre-existing medical condition or the ingestion or use of any substance.

SourceClause 2Page 2

Section: Τι δεν ασφαλίζεται; > 2. Ωφέλημα προσωπικών ατυχημάτων

όσον αφορά ανήλικο ταξιδιώτη για ατύχημα κατά τη διάρκεια ενασχόλησης με οποιοδήποτε επικίνδυνο άθλημα ή δραστηριότητα που σχετίζεται άμεσα ή έμμεσα σε συνδυασμό με προϋπάρχουσα ιατρική κατάσταση ή κατάποση ή κατανάλωση οποιασδήποτε ουσίας

Unattended Valuables Condition

Loss or damage to valuables and personal documents not with you and not under your supervision at time of loss, unless in locked safe

SourceClause 3Page 2

Section: Τι δεν ασφαλίζεται; > 3. Απώλεια ή ζημιά σε αποσκευές και/ή προσωπικά έγγραφα

πολύτιμα αντικείμενα και προσωπικά έγγραφα που δεν βρίσκονται μαζί σας και δεν τα επιτηρείτε κατά τη στιγμή της απώλειας ή ζημιάς, εκτός αν βρίσκονται σε κλειδωμένο χρηματοκιβώτιο

Age Limit and Unaccompanied Minor Exclusion

Cover excludes minors not accompanied by another insured adult, and persons who have turned 65 years of age on the day the trip starts

SourcePage 1

Section: Τι δεν ασφαλίζεται;

Ανήλικοι που δεν συνοδεύονται από άλλο ενήλικο πρόσωπο που να είναι ταυτόχρονα ασφαλισμένο και πρόσωπα που έχουν κλείσει το 65ο έτος της ηλικίας τους την ημέρα έναρξης του ταξιδιού

Sources

Cosmos Insurance Travel insurance

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