Travel safety requires insurance. Despite the simplification of travel procedures due to martial law in Ukraine, insurance policy verification is possible when crossing the border of any country. Find out more about why having insurance is important for Ukrainians and the benefits of the policy

An insurance policy is a guarantee of your safety and peaceful stay outside of Ukraine

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Regardless of the country of the world to which you are heading and the purpose of the trip - vacation, business trip or visiting relatives - health insurance is a must for traveling outside of Ukraine.

And although the introduction of martial law significantly simplified the rules of departure for Ukrainians, the border guards of any state can check whether you have a policy. Also, this document can protect you in unforeseen situations and reduce the risk of unnecessary expenses during the trip.

Why is insurance so important for leaving Ukraine? We talk about the benefits of the policy in detail below.

Why does a Ukrainian need a health insurance policy abroad?

● Reimbursement of expenses in case of illness

The health care system in most countries of the world is based on insurance - the insurance company pays for the treatment of patients. Each person independently chooses the package of services and the amount of coverage. If there is no policy, you will have to pay for the provided medical care from your own funds. Given that the cost of medical services abroad is very high, even the treatment of a simple cold can be very expensive for tourists.

● Possibility to buy medicine in pharmacies abroad

In most countries of the world, you can buy medicine in a pharmacy only with a prescription, and in order to get it, you need to visit a doctor and pay for the appointment. However, the cost of consulting a specialist can be compensated by the policy. Also, on the basis of insurance, you can get free medicines.

● Mandatory document for issuing permits

The health insurance policy is included in the list of mandatory documents for issuing most permit documents in the world:

- Short-term visa to countries with which Ukraine does not have a visa-free regime.

- National visa of category "D" - educational, working, medical, for conducting business, etc. in any country of the world.

- Temporary residence permits.

- Permits for permanent stay in the country.

- Citizenship.

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What does the health insurance policy for Ukrainians abroad cover?

In general, there are many types of health insurance policy programs. However, the standard package covers the following risks:

- Urgent outpatient and inpatient care.

- Transportation to a medical facility.

- Evacuation to Ukraine, if it is appropriate for treatment.

- Payment of medicines.

- Urgent dental care.

- Repatriation of the body.

Also, many insurers offer clients a free remote consultation with a Ukrainian doctor.

Depending on the client's needs, the list of services can be expanded. Often, even non-medical risks are added to it - compensation for lost luggage, flight delays or trip cancellations.

What should you pay attention to when choosing insurance for traveling abroad?

In order to purchase a policy that is able to compensate for all risks, you need to pay attention to the following points:

1. Coverage amount – it is important that your coverage amount meets the regulations of the country you are going to. For example, in European countries this indicator is from €30,000, and in the USA and Japan - $50,000. Therefore, before buying, carefully familiarize yourself with the requirements of the country of destination and the available tariffs of the insurance company.

2 Type of recreation – a standard policy usually does not compensate for sports, active recreation or visits to potentially dangerous regions. Therefore, if you plan to go diving or go quad biking, you need to make sure that your policy covers such risks. Be sure to specify to the insurance company exactly what kind of sport you plan to practice.

3. The country you are going to - travel insurance to exotic countries can be more expensive.

4. Traveler's age - the standard rate is calculated for people of working age, for children and the elderly, the insurance policy may cost more.

5. The presence of a deductible is the amount that you will definitely have to pay in the event of an insured event.

6. List of risks covered by the policy - the more of them, the higher the price.

7. Duration of the trip - we recommend taking out a policy, the validity of which is several days longer than the planned stay abroad (in case of flight delays).

When can risk compensation problems arise?

Usually, problems with payments can be expected when you do not carefully read the contract. Therefore, it is important to study the "Exclusions" section in detail before buying insurance. Most insurance policies do not compensate for:

- Treatment of chronic diseases, including diabetes, hepatitis, tuberculosis and oncology.

- Vaccination and various preventive procedures.

- Injuries received while under the influence of alcohol and drugs.

Where to buy an insurance policy for traveling abroad?

You should definitely buy insurance policies only from verified agents. It is also convenient to do it online. On the Visit Ukraine portal, you can purchase reliable insurance that has many advantages: packages for entering any country in the world, guarantee of payments, online payment - a reliable policy in your mail in just a few minutes.

To apply for insurance, follow the link and choose the tariff that interests you.

You can buy a policy even if you are already abroad.

So, a health insurance policy is an important document that you must have when traveling outside of Ukraine. When taking out a health insurance policy, we advise you to pay attention to its advantages and features, as well as to choose verified insurance agents.

Want to know more? Read the latest news and useful materials about Ukraine and the world in the News section.

Our recommendation for a safe and comfortable trip: 

Visit Ukraine Insurance - insurance for a safe stay abroad without unnecessary expenses;

Green Card - compulsory car insurance for traveling abroad;

Visit Ukraine Tickets - book tickets for buses, trains, and airplanes to/from Ukraine and between cities around the world;

Private Lawyer service - professional legal support on visa and migration issues;

Visit Ukraine Merch - buy patriotic clothing and accessories with worldwide delivery.

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