Military-Risk Coverage, Explained

Why your existing policy probably doesn't work

Mainstream travel insurers write a war exclusion into nearly every policy: injuries connected to armed conflict simply aren't covered, and many providers void the whole policy for travel to Ukraine. This contract takes the opposite approach — injury caused by military action is named as an insured risk in both plans, not sold as an optional extra.

What counts as military action

The contract lists destruction or damage caused by mines, missiles, bombs, torpedoes, grenades, machine guns, drones, tanks and combat vehicles, other weapons and instruments of war, and by military formations, fighters and soldiers.

Cover applies to you as a civilian affected by such events. Participation in hostilities, service in an armed formation and work as a combatant are outside the contract.

Get covered before you cross →

€2,000 or €30,000 — the limit is the real choice

The medical cover is identical in both plans, and both include military risk. What differs is how much the insurer pays out: €2,000 on Standard, €30,000 on Extended.

For a blast injury requiring surgery and evacuation, €2,000 is a contribution rather than a solution — which is why Extended is what most travellers take, and why €30,000 is the level accepted for Ukrainian visa applications. The gap in price is about €2 on a 3-day trip; see the full price table.

Where the cover stops — read this before buying

The policy works across Ukraine, but not in the following places:

• areas of active hostilities;
• temporarily occupied territories;
• anywhere within 50 km of either;
• territories under a special access regime.

If your itinerary runs into any of those zones, this policy will not answer for what happens there, whatever plan you buy. That is a hard limit of the contract, not a formality — plan your route accordingly, and see the full insurance conditions.

Radiation is the one paid extra

Injury caused by ionising radiation or radioactive contamination is covered only if the radiation option is added, and it raises the premium substantially. It is off by default. If you need it, contact us before buying and we will issue the policy with that option.