Genikes Insurance Travel insurance (Travel Insurance Web)
Underwritten by General Insurance of Cyprus Ltd · Cyprus
travel insurance from Genikes Insurance for the Cyprus market, with online purchase and 24/7 assistance.
Last verified Aug 24, 2026Sources
Key facts
- Genikes Insurance
Unique selling points
Genikes Insurance was recognised as Best General Insurance Company at the World Finance Insurance Awards 2024.
Includes 24/7, 365-day worldwide travel assistance via the Mapfre Asistencia call centre at no extra cost.
The policy can be purchased fully online in three quick steps through the insurer's self-service portal.
Customers can choose between three adult cover plans plus a dedicated children's plan to match their trip needs.
Dedicated group travel insurance quotes are available by phone for families and larger travelling parties.
Coverage limits
Medical Expenses Abroad
€30K
Covers hospitalization, surgical operations, doctor and nursing fees and prescribed medication abroad following an Accident or Illness during the Trip, up to €30,000 per Insured, until the Insured is stabilized enough to continue the Trip or be transferred home.
Section: ΜΕΡΟΣ ΙΙ > 2. ΤΑΞΙΔΙΩΤΙΚΗ ΒΟΗΘΕΙΑ > Γ.2 Ιατρικά Έξοδα στο Εξωτερικό
the Company shall meet the cost of any hospitalization expenses, surgical operations, medical and nursing fees and any medication prescribed by the attending doctor, up to the amount of €30.000 per Insured, until the Insured's condition is sufficiently stabilized to allow him/her to continue the Trip or be transferred to the Usual Place of Residence or hospital close to it.
Emergency Medical Treatment
€30K
Emergency treatment abroad (doctor visits, surgery, medication) is covered under the same €30,000 Medical Expenses Abroad limit as part of the Travel Assistance section.
Section: ΜΕΡΟΣ ΙΙ > 2. ΤΑΞΙΔΙΩΤΙΚΗ ΒΟΗΘΕΙΑ > Γ.2 Ιατρικά Έξοδα στο Εξωτερικό
the Company shall meet the cost of any hospitalization expenses, surgical operations, medical and nursing fees and any medication prescribed by the attending doctor, up to the amount of €30.000 per Insured
Hospitalization Abroad
€30K
Hospitalization costs abroad following a covered Accident or Illness are included within the same €30,000 Medical Expenses Abroad limit; an additional €115/day (up to 5 days) is paid for necessary extension of stay on medical advice.
Section: ΜΕΡΟΣ ΙΙ > 2. ΤΑΞΙΔΙΩΤΙΚΗ ΒΟΗΘΕΙΑ > Γ.3 Παράταση Διαμονής
The Company shall cover the cost of the Insured's accommodation following Illness or Bodily Injury as a result of an Accident covered under this Policy... up to the amount of one hundred fifteen euro (€115) per day and up to five (5) days.
Outpatient Treatment
€30K
Outpatient doctor visits and treatment abroad are covered as part of the same €30,000 aggregate Medical Expenses Abroad limit; no separate sub-limit is stated.
Section: ΜΕΡΟΣ ΙΙ > 2. ΤΑΞΙΔΙΩΤΙΚΗ ΒΟΗΘΕΙΑ > Γ.2 Ιατρικά Έξοδα στο Εξωτερικό
the Company shall meet the cost of any hospitalization expenses, surgical operations, medical and nursing fees and any medication prescribed by the attending doctor, up to the amount of €30.000 per Insured
Emergency Dental Treatment
€260
Dental treatment due to Bodily Injury is covered up to €260 per incident; the Medical Expenses Abroad definition excludes dental costs except in cases of first aid.
Section: ΜΕΡΟΣ ΙΙΙ > ΓΕΝΙΚΕΣ ΕΞΑΙΡΕΣΕΙΣ
dental treatment due to Bodily Injury over €260 for each incident.
Medical Transportation
Covered
No limit stated
The Company bears the costs, whenever deemed necessary, for the transfer of the Insured to a suitably equipped medical centre; no specific monetary limit is stated in the policy wording.
Section: ΜΕΡΟΣ ΙΙ > 2. ΤΑΞΙΔΙΩΤΙΚΗ ΒΟΗΘΕΙΑ > Γ.1 Ιατρική Μεταφορά Ή Επαναπατρισμός
the Company will bear the costs, whenever deemed necessary, for the transfer or repatriation of the Insured to a suitable equipped medical center or to the Usual Place of Residence.
Medical Evacuation / Repatriation
Covered
No limit stated
If necessary, the Company arranges and pays for the Insured's repatriation to the Usual Place of Residence based on the medical team's assessment; no specific monetary cap is stated (rescue costs are explicitly excluded).
Section: ΜΕΡΟΣ ΙΙ > 2. ΤΑΞΙΔΙΩΤΙΚΗ ΒΟΗΘΕΙΑ > Γ.1 Ιατρική Μεταφορά Ή Επαναπατρισμός
Any necessary costs resulting out of the rescue are not included in this cover.
Repatriation of Mortal Remains
€5.7K – €30K
In case of Death, transportation of the mortal remains is covered up to €30,000 for European countries (Albania excluded) and up to €5,700 for all other countries, per Insured; funeral, cremation or interment costs are not included.
Section: ΜΕΡΟΣ ΙΙ > 2. ΤΑΞΙΔΙΩΤΙΚΗ ΒΟΗΘΕΙΑ > Γ.8 Μεταφορά Ή Επαναπατρισμός Του Αποθανόντος Ασφαλισμένου
the Company shall assume the cost of transportation up to €30.000 for European countries (excluding Albania) and up to €5.700 for all other countries per Insured, to the place of interment, cremation or funeral at the Usual Place of Residence. This cover does not include the payment of the interment, cremation or funeral expenses.
Search and Rescue
Excluded
Rescue costs are explicitly excluded: any necessary costs resulting from rescue are not included in the Medical Transportation or Repatriation cover.
Section: ΜΕΡΟΣ ΙΙ > 2. ΤΑΞΙΔΙΩΤΙΚΗ ΒΟΗΘΕΙΑ > Γ.1 Ιατρική Μεταφορά Ή Επαναπατρισμός
Any necessary costs resulting out of the rescue are not included in this cover.
COVID-19 / Pandemic Treatment
Excluded
Any costs resulting from an Epidemic or Pandemic disease are excluded from Medical Expenses cover and from all cover under the Policy's General Exceptions.
Section: ΜΕΡΟΣ ΙΙ > 2. ΤΑΞΙΔΙΩΤΙΚΗ ΒΟΗΘΕΙΑ > Ειδικές Εξαιρέσεις Ιατρικών Εξόδων
Any costs that are the result of an Epidemic or Pandemic disease.
Pre-existing Conditions
Excluded
Services required for treating pre-existing illnesses are specifically excluded from Medical Expenses Abroad cover, and any Permanent Disablement payment is reduced by the rate of a pre-existing disablement.
Section: ΜΕΡΟΣ ΙΙ > 2. ΤΑΞΙΔΙΩΤΙΚΗ ΒΟΗΘΕΙΑ > Ειδικές Εξαιρέσεις Ιατρικών Εξόδων
Services required for treating pre-existing illnesses.
Winter Sports Cover
Excluded
Skiing, cross-country skiing (langlaufen) and snowboarding are listed among the 'Dangerous Sports' which are not covered under any circumstances by the Policy.
Section: ΜΕΡΟΣ ΙΙ > 2. ΤΑΞΙΔΙΩΤΙΚΗ ΒΟΗΘΕΙΑ > Β. ΟΡΙΣΜΟΙ > ΕΠΙΚΙΝΔΥΝΑ ΑΘΛΗΜΑΤΑ
any kind of skiing and langlaufen, snowboarding
Adventure / Extreme Sports Cover
Excluded
Activities such as deep sea diving, mountain expeditions, free climbing, canyoning, skydiving, bungee jumping, rafting and similar are listed as 'Dangerous Sports' excluded under all circumstances.
Section: ΜΕΡΟΣ ΙΙ > 2. ΤΑΞΙΔΙΩΤΙΚΗ ΒΟΗΘΕΙΑ > Β. ΟΡΙΣΜΟΙ > ΕΠΙΚΙΝΔΥΝΑ ΑΘΛΗΜΑΤΑ
deep sea diving sailing at sea, ski jumping, free climbing, motor sports, use of firearms or otherwise, abseiling, rappel, mountain biking off-road, ice hockey, canyoning, skydiving, bobsleigh
Pregnancy Complications
Excluded
Birth labour or pregnancy complications are explicitly excluded from cover for Death, Disablement and Medical Expenses under the Policy's General Exceptions.
Section: ΜΕΡΟΣ ΙΙΙ > ΓΕΝΙΚΕΣ ΕΞΑΙΡΕΣΕΙΣ
sexually transmitted disease, insanity, birth labour or pregnancy complications, psychological or nervous shock
Personal Liability for Material Damage to Third Parties
Covered
No limit stated
Covers indemnity for which the Insured is held legally liable for material/property damage caused involuntarily to third parties during the Trip, subject to the Policy's conditions and limits; no indemnity limit is stated in the wording, and judicial/extrajudicial defence costs are covered up to €1,500.
Section: ΜΕΡΟΣ ΙΙ > 2. ΤΑΞΙΔΙΩΤΙΚΗ ΒΟΗΘΕΙΑ > Γ.13 Προσωπική Αστική Ευθύνη Λόγω Υλικών Ζημιών Σε Τρίτους
The Policy covers the payment of any indemnity for which the Insured shall be held legally liable, as well as the judicial and extrajudicial expenses stemming from the defense of the Insured up to €1.500
Legal Assistance / Defence Costs
€1.5K
Judicial and extrajudicial defence costs related to the Personal Liability cover are paid up to €1,500. Separately, an advance deposit of up to €4,500 for legal costs/expenses is available, refundable by the Insured within 3 months.
Section: ΜΕΡΟΣ ΙΙ > 2. ΤΑΞΙΔΙΩΤΙΚΗ ΒΟΗΘΕΙΑ > Γ.14 Προκαταβολή Έναντι Δικαστικής Δαπάνης Και Δικαστικών Εξόδων
Amount up to €4,500 (amount will be returned by the Insured to the Company within 3 months), provided that the object of the claim against the Insured, is included in the coverage of the Insurance.
24/7 Travel Assistance
Covered
Travel Assistance cover and the Mapfre Asistencia call centre are available 24 hours a day, 365 days a year worldwide, provided the Insured is on a Trip outside the Republic of Cyprus for a consecutive period not exceeding 60 days (Albania excluded).
Section: ΜΕΡΟΣ ΙΙ > 2. ΤΑΞΙΔΙΩΤΙΚΗ ΒΟΗΘΕΙΑ > Α. ΧΡΟΝΙΚΑ ΚΑΙ ΓΕΩΓΡΑΦΙΚΑ ΟΡΙΑ ΤΗΣ ΚΑΛΥΨΗΣ
The present Insurance cover is available 24 hours per day, 365 days per year worldwide, provided that the Insured is on a Trip outside the borders of the Republic of Cyprus and for a consecutive period not exceeding sixty (60) days. Albania is excluded from this cover.
Key conditions
Assistance call deadline
The Insured must immediately contact the Assistance Call Centre (+30 210 6504085), giving full name and Policy number; this is an essential condition precedent to any liability of the Company under the Travel Assistance cover.
Unauthorized treatment
The Insured must obtain the Company's prior consent before taking any measures that create expenses; unjustified negligence to minimise costs entitles the Company to reduce its services proportionally, and if done to deceive the Company it is released from all obligations.
Purchase while abroad
The policy documents reviewed do not specify whether the policy can be purchased after the Insured has already departed on the Trip; cover is designed to begin at embarkation from Cyprus.
Chronic conditions
Illness is defined as a sudden and unforeseen deterioration of health 'not related to a chronic disease' that occurs for the first time during the Trip; consequences of chronic conditions therefore fall outside the definition of a covered Illness.
Pregnancy
Birth labour or pregnancy complications are explicitly excluded from cover for Death, Disablement and Medical Expenses under the General Exceptions.
Pre-existing condition exclusions
Services required for treating pre-existing illnesses are specifically excluded from the Medical Expenses Abroad cover, and Permanent Disablement payments are reduced by any pre-existing disablement rate.
Coverage duration limit
Cover applies only while the Insured is on a Trip outside Cyprus for a consecutive period not exceeding 60 days; the Policy does not cover expenses arising after the Trip dates expire or after 60 days from the start of the Trip.
Direct payment
Travel Assistance benefits and services are provided in kind (not in cash) through the Company's partner network in Cyprus and abroad. Only if the Company cannot serve the Insured through its partner network for reasons of force majeure will the Insured be asked to pay the cost of services and be reimbursed later, provided the Company gave prior approval.
Territorial scope
Cover applies worldwide for a Trip outside the Republic of Cyprus for a consecutive period not exceeding 60 days; Albania is explicitly excluded from the Travel Assistance cover.
Documents
Policy specifics
Luggage loss, damage or destruction
Coverage for loss, damage or destruction of luggage during travel
SourceSection: Travel Insurance
Loss, damage or destruction of luggage
Travel Assistance
24-hour travel assistance coverage including medical evacuation and repatriation
SourcePage 8Section: ΜΕΡΟΣ ΙΙ > 2. ΤΑΞΙΔΙΩΤΙΚΗ ΒΟΗΘΕΙΑ
The Company undertakes to provide Travel Assistance to the Insured in case he finds himself in a difficult situation in accordance with the below defined covers:
Trip Duration Limitation
Coverage available for consecutive periods not exceeding 60 days
SourcePage 8Section: ΜΕΡΟΣ ΙΙ > 2. ΤΑΞΙΔΙΩΤΙΚΗ ΒΟΗΘΕΙΑ > Α. ΧΡΟΝΙΚΑ ΚΑΙ ΓΕΩΓΡΑΦΙΚΑ ΟΡΙΑ ΤΗΣ ΚΑΛΥΨΗΣ
The present Insurance cover is available 24 hours per day, 365 days per year worldwide, provided that the Insured is on a Trip outside the borders of the Republic of Cyprus and for a consecutive period not exceeding sixty (60) days.
Age Eligibility
Travel Insurance covers travelers aged 2-75 years
SourceSection: Travel Insurance
Travelers aged 2-75 .
Right of Withdrawal
Customer has right to withdraw within 14 days from date of purchase
SourcePage 2In the event that this insurance does not meet your requirements you have the right, within (14) fourteen days from the date of purchase of the policy and provided no claims have been submitted and the Trip has not yet begun, to complete and send to our company the 'Withdrawal Notice Form' that can be found on our Website and we will refund the premium you have paid.
Official Language
Official language of communication is Greek
SourcePage 1Section: 2. Language of Communication
The official language of communication between Genikes Insurance and its customers is Greek.
Sources
- genikesinsurance.com.cyhttps://genikesinsurance.com.cy/globalassets/genikes-insurance/information-document-of-insurance-undertaking_revised-2024.pdf#page=1(opens in a new tab)
- genikesinsurance.com.cyhttps://genikesinsurance.com.cy/globalassets/genikes-insurance/personal/1222-contracts/ga-sumb-genike-taksidiou-web.pdf#page=10(opens in a new tab)
- genikesinsurance.com.cyhttps://genikesinsurance.com.cy/globalassets/genikes-insurance/personal/1222-contracts/ga-sumb-genike-taksidiou-web.pdf#page=12(opens in a new tab)
- genikesinsurance.com.cyhttps://genikesinsurance.com.cy/globalassets/genikes-insurance/personal/1222-contracts/ga-sumb-genike-taksidiou-web.pdf#page=13(opens in a new tab)
- genikesinsurance.com.cyhttps://genikesinsurance.com.cy/globalassets/genikes-insurance/personal/1222-contracts/ga-sumb-genike-taksidiou-web.pdf#page=17(opens in a new tab)
- genikesinsurance.com.cyhttps://genikesinsurance.com.cy/globalassets/genikes-insurance/personal/1222-contracts/ga-sumb-genike-taksidiou-web.pdf#page=18(opens in a new tab)
- genikesinsurance.com.cyhttps://genikesinsurance.com.cy/globalassets/genikes-insurance/personal/1222-contracts/ga-sumb-genike-taksidiou-web.pdf#page=2(opens in a new tab)
- genikesinsurance.com.cyhttps://genikesinsurance.com.cy/globalassets/genikes-insurance/personal/1222-contracts/ga-sumb-genike-taksidiou-web.pdf#page=7(opens in a new tab)
- genikesinsurance.com.cyhttps://genikesinsurance.com.cy/globalassets/genikes-insurance/personal/1222-contracts/ga-sumb-genike-taksidiou-web.pdf#page=8(opens in a new tab)
- genikesinsurance.com.cyhttps://genikesinsurance.com.cy/globalassets/genikes-insurance/personal/1222-contracts/ga-sumb-genike-taksidiou-web.pdf#page=9(opens in a new tab)
Genikes Insurance Travel insurance