War-risk coverage explained
What the war-risk element covers
The policy's war-risk element covers injuries a traveller sustains as a civilian from military action or from mines, rockets, bombs, grenades and other weapons or military equipment. It is included by the policyholder's choice when the policy is issued, on top of the base cover — the insurer is licensed by the National Bank of Ukraine for class 18, traveller assistance insurance. This is what makes the policy valid for entry to Ukraine: ordinary travel policies exclude exactly this class of events.
Where the cover applies — and where it does not
The territorial limit is explicit in the policy terms — we unpack the whole boundary separately — and you should know it before planning a route. Cover applies on the territory of Ukraine except:
- zones of active hostilities;
- territories temporarily occupied by the Russian Federation (as defined by acts of state authorities);
- areas within 50 kilometres of either of the above.
For typical itineraries away from these areas the cover works throughout the trip. The boundaries follow official acts and can change — check your route against current official information, and the exact wording in the insurer's published policy conditions ↗ ↗.
Covered as a victim — not as a participant
The distinction the terms draw is between suffering harm and taking part. A civilian injured by shelling or an explosive device is what the war-risk element exists for. Taking part in hostilities, armed conflicts or military operations is excluded — a policyholder who becomes a participant is outside the cover entirely. For volunteers, aid workers and journalists — the groups working closest to this line — we wrote a dedicated guide.
What is separate or excluded
Two adjacent risks are worth naming honestly. Radiation and ionising exposure is not part of the war-risk element — it is a separate optional add-on, included only if selected when buying the policy. Chemical and bacteriological contamination is excluded. Terrorism-related events are excluded unless the specific policy provides otherwise. The full list of exclusions — from sport injuries to pre-existing conditions — is laid out plainly here and in the published policy conditions ↗ ↗.
How to get the cover
The policy is issued online in a few minutes and must cover your entire stay, from the day of entry to the day of exit. The price depends on your dates and selected options and is calculated on the checkout page — pricing lives there, not in articles. Keep the policy PDF on your phone together with your passport; the insurer's assistance line operates around the clock.
Frequently asked questions
What does the war-risk element actually cover?+
Injuries a civilian traveller sustains from military action or from mines, rockets, bombs, grenades and other weapons or military equipment — included in the policy by choice at purchase.
Where does the cover not apply?+
In zones of active hostilities, in territories temporarily occupied by the Russian Federation (per acts of state authorities), and within 50 km of either. Elsewhere in Ukraine the cover applies.
Am I covered if I take part in hostilities?+
No. Participation in hostilities, armed conflicts or military operations is excluded. The war-risk element covers a civilian victim, not a participant.
Is radiation covered by the war-risk element?+
No — radiation and ionising exposure is a separate optional add-on, included only if you select it when buying the policy.
Where can I read the exact terms?+
The insurer publishes the full policy conditions on its client information page; the exact cover of your policy is defined by those terms and your selected options.
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)