Medical insurance for war risks
WAR RISK MEDICAL INSURANCE FOR UKRAINE: FULL PROTECTION IN A CONFLICT ZONE
● War risks insurance covers medical expenses AND financial compensation for injuries caused by shelling, drones, or terrorist acts.
● Mandatory for journalists, reporters, and media representatives under the Ukrainian law of Insurance.
● Policies from €3.56/day - standard (3–180 days) or annual for long-term stays.
● Buy online in 5 minutes - policy delivered by email, accepted at all Ukrainian borders.
Traveling to Ukraine during a war requires specialized protection, not standard. War risks insurance for Ukraine covers situations that most policies do not compensate for, but such protection is critically important for the safety of foreigners.
What Is War Risk Insurance for Ukraine?
War risk insurance in Ukraine is a specialized health insurance policy that covers risks of classic medical insurance and war-related incidents for journalists, volunteers, and tourists planning a trip during wartime.
To briefly answer the common question - does travel insurance cover war, the answer is: no. Most policies exclude such cases as force majeure. However, unlike standard travel insurance, war risk insurance compensates for the treatment of injuries resulting from missile attacks, drone attacks and terrorist attacks.
What Does War Risk Insurance Cover in Ukraine?
The policy combines medical insurance and compensation for war risks.
What’s included
- Emergency medical care
- Outpatient treatment and doctor visits
- Hospitalization and surgery
- Medical evacuation and repatriation
- Compensation for injuries caused by shelling, drones, and terrorist acts
- Passive war risk coverage for Ukraine
What’s NOT covered
- Injuries to military personnel
- Insured events that occurred in the territory of direct combat clashes (front line)
- Intentional self-harm or other illegal actions
In which territories is the policy valid?
The insurance policy is valid throughout Ukraine, except for the temporarily occupied territories of Luhansk, Donetsk, Kherson and Zaporizhzhia regions and the Autonomous Republic of Crimea, as well as the territories of direct combat operations (front line).
The real cost without insurance - why coverage matters
If you do not have an insurance policy, you will have to pay for treatment yourself. The cost of even basic medical services in Ukraine can be expensive for foreigners, especially if you go to private clinics. For example, a specialist consultation costs from $40–100, while the cost of hospitalization is $100–300 per day, depending on the complexity of the case.
In the event of an emergency, calling a private ambulance is also paid and will cost from $30 to $150. The most expensive scenario remains medical evacuation - without insurance, its cost can reach $20,000–$100,000 and more.
That is why war risk insurance becomes not just a recommendation, but a critically important financial protection during your stay in Ukraine.
Also, keep in mind that in most cases, US health insurance plans do not cover medical expenses in Ukraine - a dedicated war risk policy is your only financial safety net.
Who Needs War Risk Insurance for Ukraine?
All foreign citizens planning a visit to Ukraine (except military personnel) can apply for insurance. There are no age restrictions.
Mandatory by Ukrainian law
For journalists, reporters, correspondents, opinion leaders, and media representatives, insurance with war risk coverage in Ukraine is mandatory. This is enshrined in the Law of Ukraine on Insurance (Article 7).
Important! Journalists who enter Ukraine without war risk coverage violate Ukrainian law
Strongly recommended for all other travelers
War risk insurance is recommended for all categories of travelers in Ukraine, including tourists, volunteers, NGO workers, business travelers, etc.
All foreign citizens can take out a policy without exception: there are no age restrictions, so insurance is available for both children and people over 70 years old. In addition, one insurance policy can cover up to 10 people, which makes it a convenient solution for families or group trips.
At the same time, it is worth considering that the insurance does not apply to military personnel.
War Risk Insurance Plans and Pricing
War risk insurance cost in Ukraine depends on the chosen level of coverage and the duration of stay.
It is important that the Ukraine war insurance price 2026 is fixed - without hidden fees or additional payments after registration. This allows you to estimate the costs in advance and choose the best option depending on the purpose of the trip: from a short tourist visit to a long-term stay or work in Ukraine.
| Plan | Coverage | Price | Best for |
| Armor 30 000 EUR | €30,000 | €4.40/day | Volunteers, NGO workers, business travelers |
| Armor 100 000 UAH | 100 000 UAH | €3.56/day | Tourists, short visits (3-180 days) |
| Armor+ Year of Protection | 100 000 UAH | €401.493/year | Journalists, expats, long-term stay, residence permit |
Please note: the Armor+ Year of Protection annual policy is also accepted as proof of medical insurance when applying for a Ukrainian residence permit.
For more information on how to purchase war risk insurance online and what you need to do so, read below.
ADVANTAGES OF INSURANCE AT VISIT UKRAINE
Frequently asked questions
What is war risk insurance and what war risks does it cover?
This policy guarantees monetary compensation in the event of an accident as a result of military operations, passive military risks, terrorist acts, including emergency care, outpatient treatment, hospitalization and repatriation of the insured person (or his/her body in case of death) from the place of stay to the place of his/her permanent residence.
Who can take out insurance?
What is the territory covered by the insurance policy covering war risks?
Are there any restrictions on the validity period of the insurance policy covering war risks?
What should I do if I entered incorrect information when applying for an insurance policy and I have already paid for it?
I have taken out insurance, but I do not receive a code. What should I do?
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IS IT SAFE TO TRAVEL TO UKRAINE WITH WAR RISK INSURANCE?
Traveling to Ukraine in 2026 is possible. Thousands of foreigners travel to Ukraine each month for tourism, volunteering, journalism, and humanitarian work, but such a trip is not completely risk-free.
The security situation in Ukraine varies depending on the region. Most of Ukraine remains accessible to foreign visitors, including Kyiv, Lviv, and western regions, but with compliance with civil security rules, as the missile and drone threat exists across the entire country. Even in cities far from the front lines, travelers may encounter falling debris from intercepted missiles or drones, which can cause injuries – a risk standard insurance does not cover.
That is why special travel insurance war is required for trips to the region, which takes into account the realities of the Ukraine conflict zone insurance.
We also recommend checking the latest US State Department Ukraine travel advisory before your trip and read the guide for foreign travelers planning a trip to Ukraine before traveling. Regardless of advisory level, military risk insurance is important, and while the policy does not make Ukraine completely safe, it provides financial protection in case of unforeseen situations.
How to Buy War Risk Insurance for Ukraine Online
To apply for war risk insurance, passport only required - no office visits, no paperwork, no wait:
1. Choose an insurance package (that meets your needs).
2. Choose the insurance term (standard policies can be issued for a period of 3 to 180 days) and indicate your date of birth.
3. Fill out the form with information about the insured person (full name, e-mail, contact phone number, passport details, citizenship and place of residence).
4. Read the terms of the contract and confirm the policy (to do this, you will need to enter a special code that will be sent to the specified e-mail).
5. Pay for the policy in a way convenient for you.
You will receive a ready-made medical insurance policy to the specified e-mail. You do not need to print it — just save the electronic insurance on your smartphone or other gadget — it has the same legal force as a paper one. The policy is accepted at all border crossing points on the Ukrainian border.
Your Visit Ukraine personal account stores all your active policies and personal data — so you can manage, reissue, or share your policy anytime, from any device.
When does war coverage of Ukraine travel become valid?
- If purchased before crossing the border: policy is valid from the moment of border crossing.
- If purchased while already in Ukraine: coverage begins 24 hours after payment.
War risk insurance for Ukraine is essential protection for foreign travelers, covering expenses that standard policies do not include. It provides financial security during your stay and can be purchased online in just a few minutes.
Not sure which plan is right for you? Our support team is available 24/7 via WhatsApp or Telegram and can help you choose the best coverage based on your specific trip — whether it's a short visit, long-term stay, or residence permit application.
Frequently Asked Questions About War Risk Insurance for Ukraine
Does travel insurance cover acts of war?
No, standard travel insurance usually does not cover war risks or terrorist attacks. A separate war risk insurance policy is required for this.
Travel insurance and war — what should you know?
In most cases, travel insurance and war events are incompatible: standard policies exclude risks related to war. That is why specialized insurance is required for a trip to Ukraine.
How much is war risk insurance in Ukraine?
The cost of war risk insurance in Ukraine starts from approximately €2.64 per day and depends on the selected coverage and the length of stay.
Is insurance mandatory in Ukraine?
Yes, war risk insurance is mandatory for journalists and media representatives according to the law.
Can tourists take out a policy?
Yes, insurance is available to all foreigners and is recommended even for short trips.
When does the insurance start to take effect?
The policy starts from the moment you cross the border or 24 hours after purchase if you are already in Ukraine.
Does the insurance cover evacuation?
Yes, the policy includes medical evacuation and repatriation if necessary.
Last updated: May 2026