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
The Extended plan's war risk coverage protects you against:
- Injuries from passive war-related events (as a bystander, not a participant)
- Medical treatment at private clinics with English-speaking staff
- Emergency evacuation related to war-related incidents
- 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
- Emergency evacuation from areas affected by active conflict
- 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 | €3.30 | €5.32 | €2.02 |
| 1 week | €7.30 | €11.72 | €4.42 |
| 2 weeks | €14.30 | €22.92 | €8.62 |
| 1 month | €30.30 | €48.52 | €18.22 |
For a one-week trip, war risk protection adds just €4.42. That's less than a cup of coffee per day for comprehensive war-related coverage.
Who Should Get War Risk Coverage?
Everyone. We recommend Extended coverage with war risk protection 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: Legally required to have insurance, 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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Everything you need to know about travel insurance for Ukraine. Coverage details, pricing, how to purchase, border requirements, and expert recommendations.
Read MoreGet Your Ukraine Travel Insurance Quote
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Read MoreGet War Risk Protection — Only €2 More
Comprehensive protection for just €2 more for a 3-day trip. Don't travel without it.
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