Where the war-risk cover applies — and where it honestly does not

The one-sentence territory rule

The policy operates on the territory of Ukraine — minus a carve-out the terms state plainly: cover does not apply in zones of active hostilities, in temporarily occupied territories (as designated by acts of Ukrainian state authorities), or within 50 km of either. That is the whole geography of the product; everything else in this article is unpacking.

What "covered" means inside the territory

Within the covered area, the war-risk element does what it exists for: a civilian injured by military action or by mines, rockets, bombs, grenades and other weapons or military equipment is covered for the resulting medical costs — the full scope and the exclusions are laid out here. One exclusion follows you everywhere, inside or outside the boundary: taking part in hostilities is not covered under any circumstances.

What the boundary is not

It is not a pricing tier. There is no option in this product that extends cover into the excluded zones — the add-ons that do exist widen what is covered, not where. Treat the boundary as a route constraint: a trip planned inside the covered territory is insurable; a trip into the carve-out is not, at any price.

Planning around the line

The designations — active-hostility zones, occupied territories — follow official acts, and they change with events. Before travel, check current official information for the areas on your route, and re-check if plans shift mid-trip. For those whose work pulls toward the line — volunteers, aid workers, journalists — we wrote the dedicated guide.

The authoritative text

This article unpacks the boundary; it does not define it. The defining text is the insurer's published terms ↗ ↗ — read the territory clause before a trip that depends on it, and buy the policy for the itinerary you will actually travel.