What does travel insurance cover abroad: simple explanations for Ukrainian travellers

Travel insurance is not just a formality for crossing the border, but an important protection during your trip. It can be a real lifesaver in case of illness, injury or force majeure abroad. Learn more about what travel insurance covers and how to quickly purchase it online

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

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Every trip is a little adventure. However, even the best-planned trip can go wrong: you suddenly fall ill, lose your luggage, your flight is cancelled, you get a toothache or your car breaks down on the road. It is in such situations that travel insurance becomes a real lifeline.

What it covers, when it works and when it doesn't, and how to get it online quickly — we'll tell you more in this article.

How to get insurance for a child travelling abroad — read here.

Protect yourself when travelling!

Get travel insurance online in 5 minutes on the Visit Ukraine portal!

Travel insurance for Ukrainians: why do you need a policy?

Insurance is often required when crossing the border — and that's reason enough to have it. But its main value is that it can really help you in a critical situation abroad.

Let's explain with examples. You fell ill in Italy, got food poisoning from seafood in Spain, injured yourself while hiking in Austria, or broke your arm on a scooter in Thailand — all of these situations can cost thousands of euros if you don't have insurance. With a policy, the insurance company covers the costs.

In addition to medical emergencies, travel insurance often covers other risks: lost or delayed luggage, flight cancellations, legal assistance, or even the cost of replacing a lost passport.

Can you be denied entry to the EU if you don't have insurance and when you don't need to take out insurance when travelling abroad — read more at the links.

By the way, you can easily and conveniently purchase insurance through the Visit Ukraine portal — here you can take out a policy online in just a few minutes.

What does travel insurance cover?

Depending on the package, travel insurance covers:

– COVID-19: diagnosis and treatment.

– Emergency outpatient care.

– Emergency inpatient care.

– Emergency dental care.

– Emergency and urgent care (including calling a doctor, transportation).

– Emergency obstetric care up to 28 weeks of pregnancy.

– Consultations, diagnostics, treatment, medications as prescribed by a doctor.

– Emergency surgery, dressing materials, fixation devices.

– Emergency dental care.

– Transportation to the nearest medical facility.

– Medical transportation.

– Accident insurance.

– Expenses for organising assistance in the event of legal proceedings to protect the rights of the insured person, communication with a lawyer.

– Flight delay or cancellation.

– Loss of luggage.

– Legal protection in the event of a traffic accident.

– Expenses for obtaining temporary documents in case of theft or loss.

– Organisation of delivery to the destination in case of car breakdown or inability to drive.

– Provision of information for the restoration of lost documents.

– Repatriation of the body to the place of burial in Ukraine, burial abroad.

The terms of coverage depend on the package you choose. On the Visit Ukraine portal, you can easily choose a travel insurance policythat suits your itinerary, plans and level of comfort.

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When travel insurance does not work: what you need to know

To avoid disappointment at the most important moment, it is worth knowing in which cases the insurance company may refuse to pay.

Insurance does not apply if:

– You intentionally caused harm to yourself.

– You were under the influence of alcohol or drugs at the time of the incident.

– You were engaged in extreme or risky sports without the appropriate package.

– You broke the law or acted recklessly in violation of the rules.

Always read the terms and conditions carefully, even if they are written in small print.

For more information on when travel insurance will not cover your medical expenses, click here.

At Visit Ukraine, everything is as transparent as possible: when you choose a policy, it is immediately stated what is covered — no hidden surprises.

How to purchase travel insurance online on the Visit Ukraine portal: step-by-step instructions

1. Follow this link.

2. Enter your destination country.

3. Select the policy you want from the options available: Europe Basic, Europe Comfort, Europe VIP, Worldwide Basic, Optima Basic. Click on the ‘Buy’ button.

4. Enter your date of birth and the start and end dates of the policy.

5. Fill in the form with your personal details and, if necessary, the personal details of any travellers accompanying you: full name, passport details, citizenship, tax identification number, email address, telephone number.

6. Read the terms and conditions of the contract and confirm the policy (you will need to enter a special code that will be sent to the email address you provided).

7. Pay for the insurance in a way that is convenient for you.

Planning a trip abroad?

Even if you think that ‘nothing will happen to me’, travel is always unpredictable. Travel insurance is not about bureaucracy, but about confidence and peace of mind in any country.

On the Visit Ukraine portal, you will find universal insurance packages — for Europe, for the world, for active holidays or peaceful trips with children.

Take out your policy in advance on Visit Ukraine — and let all the surprises on your trip be only pleasant ones.

Reminder! In today's world, travelling without insurance is practically impossible. Before any trip, travel companies or tourists themselves take out insurance to protect themselves from unforeseen situations abroad. What are the main criteria to consider when choosing an insurance policy? Find out by following the link.

Photo: generated using Gemini

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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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