War Risk Coverage Explained
Understanding war risk protection and why it matters for your trip to Ukraine
Current Situation
Ukraine is currently experiencing an ongoing armed conflict. While many areas of the country remain accessible to travelers, war risk insurance coverage is strongly recommended for all visitors.
The situation in Ukraine has made travel insurance with war risk coverage more important than ever. While western and central Ukraine remain largely safe for travelers, the potential for incidents exists across the country. Having proper insurance coverage provides essential protection and peace of mind.
What War Risk Coverage Includes
Both plans include war risk coverage, which protects you against:
- Injuries from passive war-related events (as a bystander, not a participant)
- Ambulance transport to the nearest suitable hospital
- Hospitalization and surgical procedures resulting from war-related injuries
What 'Passive War Risk' Means
Covered
- Injuries sustained as a bystander during a conflict-related event
- Medical treatment needed due to indirect effects of hostilities
- Ambulance transport to the nearest suitable hospital
- Hospitalization for injuries from explosions, shelling, or similar events (as a civilian)
Not Covered
- Active participation in hostilities or military operations
- Injuries sustained while serving in any armed forces
- Deliberate travel into active combat zones against advisories
- Activities as a combatant or military contractor
The Real Price Difference
Extended costs only a fraction more than Standard
| Duration | Standard | Extended | Just This Much More |
|---|---|---|---|
| 3 days | €3.56 | €5.75 | €2.19 |
| 1 week | €7.88 | €12.66 | €4.78 |
| 2 weeks | €15.44 | €24.75 | €9.31 |
| 1 month | €32.72 | €52.40 | €19.68 |
For a one-week trip, the Extended plan costs just €4.78 more. That's less than a cup of coffee per day for a sum insured 15 times higher.
Who Should Get War Risk Coverage?
Everyone. Both plans include war risk protection, and we recommend the Extended plan's higher limit for all travelers to Ukraine in 2026, regardless of your destination within the country or purpose of visit. The cost increase is minimal, and the protection it provides is significant.
It's especially important for:
- Journalists and media professionals: Their work often takes them close to danger, so a policy is worth having, and war risk adds critical protection
- Business travelers: May travel to various regions of Ukraine
- Students: Extended stays increase exposure
- Volunteers and humanitarian workers: Often work in areas closer to affected regions
- Tourists: Even in western Ukraine, the peace of mind is worth the minimal extra cost
Read More
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Read MoreGet Your Ukraine Travel Insurance Quote
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Read MoreGet the Higher Limit — Only €2 More
A sum insured 15 times higher for just €2 more on a 3-day trip.
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