Why your existing travel insurance won't cover Ukraine
Check your own policy first
Open the terms of the policy you already have — annual multi-trip, the one attached to your bank card, or the plan from your employer — and search for the words *war*, *hostilities*, *armed conflict*. In standard travel products, these appear in the exclusions section almost without exception. Many terms go further and exclude entire destinations that are under a war-related government travel advisory — which currently describes Ukraine.
Why the standard exclusion matters here
An exclusion you would never notice on a beach holiday becomes the central clause in Ukraine. If the policy excludes events connected with hostilities, then a civilian injured by shelling or an explosive device — the scenario a Ukraine policy exists for — is precisely what your existing policy will not pay for. And because insurance with war-risk cover is a condition of entry, a policy without it does not merely leave a gap: it fails the requirement itself.
"But my policy says worldwide"
Territorial validity and risk cover are different axes. *Worldwide* describes where the policy operates in general; the war exclusion still removes the events that matter regardless of geography. A worldwide policy with a war exclusion is still a policy that does not work in Ukraine — border officers check for the war-risk element, not the territorial label.
What actually qualifies
A policy whose terms explicitly include a war-risk element: civilian injuries from military action or weapons, valid on the territory of Ukraine, for the entire stay. The product sold through this site is exactly that — a class 18 traveller assistance policy with the war-risk element included at purchase, full conditions published by the insurer ↗ ↗. It works alongside your existing policy, which remains useful for the rest of your travels.
The practical takeaway
Keep your existing policy for the rest of the world; get the dedicated policy for the Ukraine leg of the trip. The cost is calculated on the checkout page for your dates, and the policy arrives by email in minutes.
Frequently asked questions
How do I check whether my current policy covers Ukraine?+
Search its terms for war, hostilities and armed conflict — in standard products these are exclusions. Many terms also exclude destinations under a war-related travel advisory.
My policy says worldwide — does that help?+
No. Territorial validity and risk cover are different things: a worldwide policy with a war exclusion still fails in Ukraine.
Do bank-card and employer policies qualify?+
Almost never — they follow the same standard exclusions for war and hostilities.
What policy does qualify for Ukraine?+
One whose terms explicitly include a war-risk element covering civilian injuries from hostilities and weapons, valid in Ukraine for the entire stay.
Should I cancel my existing policy?+
No — keep it for the rest of your travels and add the dedicated Ukraine policy for this leg of the trip.
War-risk cover. Policy by email in minutes. Price calculated at checkout.
Calculate costInsurer: PJSC "Insurance Company "Euroins Ukraine" (USREOU 22868348), NBU licence, class 18 — traveller assistance insurance · Agent: Welcome Ukraine (USREOU 44559356)