Complete Guide to Ukraine Travel Insurance

Tourists: Whether visiting Kyiv, Lviv, Odesa, or the Carpathian Mountains, tourists benefit from comprehensive medical coverage. Ukrainian healthcare facilities require upfront payment from foreign nationals, making insurance essential for managing unexpected medical costs.

Business Travelers: Professionals traveling to Ukraine for meetings, conferences, or work assignments should carry travel insurance for both medical protection and peace of mind.

Students: Ukraine has historically been a popular destination for international students, particularly from India, with over 18,000 students enrolled in Ukrainian medical universities. Universities typically require proof of insurance as part of enrollment.

Journalists and Media: Journalists, reporters, correspondents, media representatives, and opinion leaders often work close to danger, so a policy is worth having for them, especially in wartime.

Volunteers: Humanitarian workers and volunteers entering Ukraine should carry Extended coverage, given the areas they may be working in.

Expats and Long-Stay Visitors: Those planning extended stays of up to 180 days can purchase a single policy covering their entire visit.

The Standard plan is insured for 100,000 UAH (≈ €2,000) per person and the Extended plan for ≈ €30,000, and both cover you across Ukraine. The key difference is the sum insured: the Extended limit is 15 times higher, and both plans include war risk protection.

Standard Plan is suitable for short tourist trips to relatively safe areas. It covers all essential medical needs including emergency treatment, hospitalization, COVID-19, medical transport, and repatriation.

Extended Plan is recommended for all travelers given current conditions. It covers the same services as the Standard plan, including passive war-related injuries, with a much higher sum insured. The cost difference is minimal — only about €2 more for a 3-day trip.

Both plans include the following limits per person; the total sum insured differs by plan:

Prices are approximate and depend on trip duration. Here are example costs for common trip lengths:

Purchasing travel insurance for Ukraine is quick and straightforward:

1. Fill out the form: Enter your travel dates, personal details, and contact information. This takes about 2 minutes.
2. Choose your plan: Select Standard or Extended coverage based on your needs and our recommendations above.
3. Pay securely: Complete the payment using any major credit or debit card. The payment processing is secure and encrypted.
4. Receive your certificate: Your PDF insurance certificate is delivered instantly to your email address. The entire process takes approximately 5 minutes.

Your certificate includes everything a clinic or insurer may need: your name, passport details, coverage dates, plan type, and policy number.

When crossing into Ukraine, have your insurance certificate readily available. Here's what to keep in mind:

• Digital copies are fine: You can show your PDF certificate on your phone or tablet.
• Printed copies recommended: As a backup, carry a printed copy in case your device runs out of battery or has connectivity issues.
• English-language certificate: The EUROINS certificate is issued in English and Ukrainian, so officials on either side can read it.
• Open borders: Poland, Slovakia, Hungary, Romania, and Moldova borders are open for entry.
• Closed borders: Russia and Belarus borders are closed.

While the coverage is comprehensive, certain situations are excluded:

• Pre-existing conditions: Medical conditions that existed before the policy start date are not covered unless specifically declared and accepted.
• Extreme sports: Activities like skydiving, bungee jumping, or mountaineering above certain altitudes require an additional add-on.
• Alcohol/drug-related incidents: Medical treatment required due to alcohol or drug intoxication is not covered.
• Routine/elective procedures: Non-emergency medical treatments, check-ups, and elective procedures are excluded.
• Travel against advisories: If you travel to areas specifically designated as restricted by government advisories, coverage may be limited.

• Standard covers 100,000 UAH (≈ €2,000) per person; Extended covers up to ≈ €30,000
• Both Standard and Extended plans are available for 3 to 180 days
• Both plans include war risk protection; the Extended plan is strongly recommended for 2026
• The cost difference between plans is minimal (about €2 for 3 days)
• Certificates are delivered instantly as PDF via email
• Covers you across Ukraine
• Worth having for journalists and media professionals, especially in wartime
• Process takes approximately 5 minutes from start to finish