War-risk coverage explained
Published 24.07.2026✓ Reviewed 24.07.20261 min read
Short answer
War-risk cover pays medical and related costs from conflict-related events. Cover excludes four defined zone categories rather than whole regions.
Coversconflict-related medical costs
Excludesfour defined zone categories
RegulatorNational Bank of Ukraine
What it covers War-risk cover extends a travel policy to include medical and related costs arising from conflict-related events — the very events ordinary policies exclude. It is why a compliant policy is required to enter Ukraine.
Where cover does not apply Cover excludes exactly four categories of area rather than entire regions: combat zones defined by state acts; temporarily occupied territories; a 50-km buffer around both; and special-access-regime areas. Everywhere else remains covered.
Regulatory backbone The insurer is regulated by the National Bank of Ukraine (licence class 18) and belongs to an EU-listed group under Solvency II. To see the price for your dates, get a quote online — it takes a few minutes and costs from a few euros a day.
Frequently asked questions
What does war-risk cover pay for?+
Medical and related costs from conflict-related events during your stay.
Which areas are excluded?+
Four defined zone categories, not whole regions; everywhere else is covered.
How much does it cost?+
From a few euros a day; the exact price is calculated for your dates on the quote page.
Who regulates the insurer?+
The National Bank of Ukraine, licence class 18.
Insurance online in 5 minutes
War-risk cover. Policy by email instantly. From a few euros a day.
Calculate costAgent: Welcome Ukraine · USREOU 44559356 · insurer regulated by the NBU (licence class 18)