Responsible tourists always buy an insurance policy before embarking on a new trip. However, even the most expensive insurance will not be able to cover absolutely all expenses. Learn more about the cases when travel insurance won't help you

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

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Travel insurance will help travelers protect themselves from unforeseen circumstances and additional medical expenses while traveling. However, no insurance company will be able to offer you a policy that will cover absolutely all the costs of medical care for a tourist. Therefore, it is very important to be aware of the cases in which your travel insurance is powerless.

What does travel insurance cover?

When travelling, travel insurance provides protection against the main risks and covers various incidents.

First of all, it covers medical care - from basic medical consultations to complex surgeries. This includes diagnostic procedures, necessary medicines and hospital stays if necessary.

An important component is emergency evacuation - if necessary, the insurance will cover transportation to the nearest hospital or an ambulance call.

In case of injury (fractures, sprains, etc.), the insurance will also provide the necessary emergency medical care.

Travel insurance also covers the repatriation of the body.

Additionally, depending on the package, the travel policy covers flight delays/cancellations, loss of luggage, obtaining temporary documents in case of their theft or loss, etc.

It is worth noting that all payments are made within the limits set by the contract. The standard amount of insurance coverage ranges from EUR 30,000 to EUR 50,000, which is considered sufficient for most countries.

In what situations can insurance not protect tourists?

Most travel insurance policies cover critical incidents that can happen to travelers: emergency medical expenses, hospitalization, emergency surgery, purchase of medicines, etc. Some insurances even cover the costs of evacuation and repatriation, or even returning the body of a deceased tourist to their home country.

You can protect yourself as much as possible while traveling with advanced insurance programs that also compensate for the loss or theft of belongings, luggage, flight delays, risks during extreme sports, etc.

It is also very important to be aware not only of your rights to compensation, but also of the full list of exclusions from the insurance policy. We have prepared for you the TOP 5 most common situations in which travel insurance does not reimburse travelers' expenses.

Chronic diseases 

The insurance company will not reimburse your expenses for the treatment of chronic diseases and other health problems that arose even before you bought the policy. Therefore, if you have heart, bronchopulmonary, oncological or any other diseases while traveling abroad, you will have to cover significant financial expenses on your own.

Plastic surgery 

Travel insurance provides compensation only for emergency medical services: injuries, wounds, and other sudden and unpredictable conditions. Of course, cosmetic surgeries without medical indications are not covered by this insurance.

Health improvement and prevention

If a tourist wants to relax in a sanatorium, undergo a preventive examination, or take a course of vitamins, the insurance company will not reimburse such medical expenses. Wellness measures are not considered emergency conditions and do not pose any threat to life, so they are not covered by a travel insurance policy.

Treatment due to the use of alcohol, drugs and toxic substances 

If a tourist needs treatment due to the use of alcohol, drugs and other prohibited substances, the insurance will not reimburse such medical expenses. Intoxication, overdose and alcohol poisoning are not covered by the insurance.

Services related to pregnancy and childbirth 

Any medical services related to a normal pregnancy are not covered by travel insurance. Therefore, the costs of examinations, childbirth and other procedures will not be reimbursed. A possible exception is an urgent intervention to save the life of the mother.

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What types of travel insurance are available on Visit Ukraine?

Visit Ukraine portal offers travel insurance with different coverage. The packages differ in the number of events they cover and the sum insured:

- Worldwide Basic. The amount of coverage is 50,000 euros.

This package covers: diagnosis and treatment of COVID-19 as prescribed by a doctor, outpatient emergency care, inpatient emergency care, ambulance call in the host country, ambulance, obstetric emergency care up to the 28th week of pregnancy, diagnosis, consultations, treatment and medicines as prescribed by a doctor, emergency operations including medicines and fixation materials, repatriation of the body, medical transportation.

- Europe Basic. The amount of coverage is EUR 30,000.

This package covers: diagnostics and treatment of COVID-19 as prescribed by a doctor if indicated, emergency dental care, accident insurance, transportation by vehicle to the nearest medical facility, emergency obstetric care up to the 28th week of pregnancy, repatriation of the body to the place of burial in Ukraine in case of death due to an accident or sudden illness, burial expenses abroad in case of death, medical evacuation and repatriation of the body by prior agreement with the Specialised

- Europe Comfort. The amount of coverage is EUR 30,000.

This package covers: emergency outpatient care, organisation of assistance in initiating a case to protect the Insured person's rights and communication with a lawyer, burial abroad in case of death, emergency obstetric care up to the 28th week of pregnancy, diagnosis and treatment of COVID-19 as prescribed by a doctor, emergency dental care, accident insurance, emergency inpatient care, transportation by vehicle to the nearest medical facility, repatriation of the body to the place of burial in Ukraine in case of death, medical evacuation and repatriation of the body to the place of burial in Ukraine, medical

- Europe VIP. The sum insured is EUR 30,000.

This package covers: accident insurance, organisation of assistance in initiating a case to protect the Insured person's rights and communication with a lawyer, medical evacuation and repatriation of the body in agreement with the Insurer's Specialised Service, flight delay/cancellation, loss of baggage, emergency obstetric care up to the 28th week of pregnancy, diagnosis and treatment of COVID-19 as prescribed by a doctor, emergency dental care, emergency outpatient care, emergency inpatient care, transportation by vehicle to the nearest medical facility, repatriation of the body to the place of burial in Ukraine in case of death, burial abroad in case of death, legal protection in case of road accident, obtaining temporary documents in case of their theft or loss, organisation of delivery of the Insured person to the place of destination in case of car breakdown, assistance in providing information on recovery of lost documents.

- Optima Basic. The sum insured is EUR 30,000.

This package covers: diagnostics and treatment of COVID-19 as prescribed by a doctor, emergency outpatient care, emergency inpatient care, emergency dental care, transportation by vehicle to the nearest medical facility, emergency obstetric care up to the 28th week of pregnancy, repatriation of the body to the place of burial in Ukraine in case of death, burial abroad in case of death, medical evacuation and repatriation of the body in agreement with the Insurer's Specialised Service.

How to take out travel insurance quickly and easily?

On Visit Ukraine, you can take out reliable travel insurance in just a few minutes. To do this, you need to:

- choose the country of travel;

- choose the best insurance package from the options offered;

- enter the necessary data about the insured persons;

- make a payment in a convenient way.

After completing the transaction, your policy will be sent to the specified email address.

On Visit Ukraine portal, you can easily take out travel insurance that will ensure your peace of mind and safety while travelling. Fast processing, affordable rates and reliable protection - everything for your comfort.

Take care of your safety - buy travel insurance today!

Just a reminder. It is important for Ukrainians staying in EU countries to have health insurance. It not only provides financial protection, helping to avoid high medical expenses, but also ensures access to medical care in accordance with European standards. We explain why Ukrainians in Europe need to take out insurance here. 

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

With our health insurance package, you get access to high-quality medical care anytime, anywhere. Our policy covers a wide range of medical services, including medical consultations, hospitalization, diagnosis, treatment and rehabilitation. Protect yourself from unexpected events now. Choose a policy on our website and receive an insurance document to your email in just a few minutes.

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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