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 names injury from military action or measures: destruction or damage by mines, torpedoes, missiles, bombs, grenades, other weapons and military equipment.

Cover applies to you as a civilian affected by such events. Participation in active hostilities, armed conflicts or military operations is excluded — as are injuries sustained during military service, training or exercises, whether as a serviceman or as a civilian taking part alongside them.

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100,000 or 1,575,000 UAH — 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: 100,000 UAH (about €2,000) on Standard, 1,575,000 UAH (about €30,000) on Extended.

For a blast injury requiring surgery and evacuation, 100,000 UAH is a contribution rather than a solution — which is why Extended is what most travellers take, and why it 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.

Sums insured are set in hryvnia in the contract, and claims are paid in hryvnia. Euro figures on this site are indicative conversions.

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 that option is recorded in your contract, and it raises the premium substantially. It is off by default — tick it at checkout if you need it. Note that treatment of acute or chronic radiation sickness is a separate exclusion in the general terms.