Why standard travel insurance may not be enough for Ukraine in 2025?

Travel insurance is an important element of traveling to Ukraine in 2025. Find out how to get medical insurance with war risk coverage for a trip to Ukraine in 2025. We explain why standard policies may not work during a war, what requirements apply to foreigners, and how to buy travel insurance online

Take care of reliable insurance for safe entry and stay in Ukraine

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Planning a trip to Ukraine in 2025? While the country remains open to foreign visitors, traveling during wartime requires extra preparation – especially when it comes to insurance. Many tourists believe that their regular policy is enough, but the reality is that standard travel insurance often does not cover risks connected to war or armed conflict. To meet Ukraine travel insurance requirements and ensure real protection, you may need medical insurance for Ukraine with war coverage. 

In this guide, we explain why standard policies may fail, what war risk travel insurance Ukraine includes, and how to choose the best travel insurance for Ukraine this year.

Read this article to find out what you can bring into Ukraine from abroad.

If you are planning a trip in your own car, be sure to follow the link and read our guide on how to cross the Ukrainian border in a car with foreign license plates.

Is travel insurance required for visiting Ukraine in 2025?

Current entry rules for foreign visitors

In 2025, foreigners will need a valid passport and, in some cases, a visa to enter Ukraine. They will also need proof of the purpose of their trip, sufficient financial means, and a medical insurance policy.

This policy must be recognized by the Ukrainian authorities and cover potential medical expenses for foreigners in Ukraine.

Minimum insurance requirements

Ukraine entry insurance 2025 must include coverage for emergency medical treatment, hospitalization, and repatriation of remains. The policy should be valid for the entire duration of your stay and issued by a company authorized to operate in Ukraine. While these requirements ensure that visitors can access basic care, they do not guarantee coverage for incidents related to the war or acts of terrorism.

While standard insurance is enough to cross the border, it might leave you unprotected in certain situations – here’s why.

Read more here about whether you can still travel to Ukraine even if your government advises against it.

Why standard travel insurance may not work in Ukraine’s current situation

Traveling to Ukraine during wartime comes with risks that most tourists have never faced before – and your regular policy may not be prepared to handle them. Here’s where standard coverage often fails.

Exclusions related to war, armed conflicts, and terrorism

Most standard travel insurance policies contain explicit exclusions for events connected to war, armed conflict, or terrorism. This means that if you are injured due to a missile strike, explosion, or other war-related incident, your claim could be denied – even if you were simply in the wrong place at the wrong time.

Real-life scenarios where claims could be denied

Imagine you suffer an injury during an air raid while sightseeing in Kyiv, or your hotel in Odesa is damaged in a military attack and you need emergency relocation. In many cases, regular insurance providers will refuse to cover medical costs, evacuation expenses, or property damage caused directly or indirectly by the conflict.

Learn more here about how to insure your vehicle, home, and health against war-related risks.

The gap between “standard coverage” and real needs in Ukraine

Standard travel medical insurance typically focuses on accidents, sudden illnesses, or trip disruptions unrelated to war. However, Ukraine in 2025 presents unique risks that go beyond the scope of typical holiday coverage. Without specialized war risk travel insurance Ukraine visitors may face significant out-of-pocket expenses for medical treatment, evacuation, or repatriation.

To ensure you are covered in case of incidents directly or indirectly related to the war, you need a policy that specifically includes war risk coverage – which is available on Visit Ukraine.

What is medical insurance with war risk coverage?

Travel insurance with war risk coverage is a medical insurance policy that provides foreign citizens with financial protection in the event of an accident resulting from military action. Given the current situation in the country, such insurance is a critically important element of security for foreigners planning a trip or long-term stay in Ukraine.

Key features and benefits

Medical insurance for Ukraine with war coverage is a specialized policy designed to protect travelers in situations that standard insurance excludes. It covers injuries and medical emergencies caused directly or indirectly by war, armed conflict, or acts of terrorism. The main benefit is peace of mind — knowing that even in extreme circumstances, your medical expenses will be covered.

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Types of medical expenses it covers

War risk insurance has classic medical insurance coverage, which includes emergency care, outpatient treatment, hospitalization, and repatriation of the insured person (or their body, in the event of death) from their place of stay to their place of permanent residence, and additionally guarantees monetary compensation in the event of an accident resulting from military operations, passive military risks, or terrorist acts.

You can find a full list of essential safety apps for tourists in Ukraine in this guide.

How it differs from standard medical insurance?

While standard Ukraine travel medical insurance focuses on common travel issues such as illness or accidents unrelated to war, a war risk policy is tailored to the realities of visiting a country in conflict. It fills the critical gap left by most insurers, ensuring you meet Ukraine travel insurance requirements while actually having protection for the most likely risks.

On Visit Ukraine, you can purchase such insurance online in just a few minutes, fully meeting Ukraine’s entry requirements.

How to buy the right insurance for your trip to Ukraine in 2025?

To apply for medical insurance with war risk coverage on the Visit Ukraine website, follow the link and follow these simple steps:

1. Choose an insurance package (that meets your needs).

2. Choose the insurance validity period (standard policies can be issued for a period of 3 to 180 days, annual Bronya+ Year of Protection insurance - only for 365 days) and enter your date of birth. The service will automatically calculate the cost of insurance for 1 person for the selected period.

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). At this stage, you can add information about other insured persons if you plan to travel with someone.

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 health 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 the paper one.

If you have any questions during the insurance application process, you can contact our support service for help (via WhatsApp or Telegram). Managers will help you choose the optimal coverage, depending on the specifics of your trip, and apply for insurance.

What documents will you need?

To apply for a policy on the Visit Ukraine portal, you will only need a passport. To purchase insurance:

1. Prepare your passport document;

2. Determine the dates of the trip (policy validity period);

3. Consider the number of people you plan to insure (up to 10 people in 1 policy).

How to check if your insurance includes coverage for military risks?

- Look for phrases like “war risk coverage” or “armed conflict coverage” in the policy wording.

- Check the exclusions section – it should not list war, armed conflict or terrorism as an excluded event.

- Contact your insurer directly for written confirmation.

Get medical insurance for travel to Ukraine with war risk coverage here.

Visiting Ukraine in 2025 can be an unforgettable experience, but it also requires extra preparation due to the ongoing war. While standard travel insurance Ukraine 2025 may help you meet entry rules, it often excludes the very risks most relevant to the country’s current situation. To travel confidently, choose insurance for Ukraine during war that covers medical emergencies caused by conflict, ensures compliance with Ukraine entry insurance 2025 requirements, and provides real protection for your health and safety.

Before you travel, secure a policy that truly protects you – get your Ukraine medical insurance with war risk coverage today via Visit Ukraine.

In today’s environment, having one trusted platform that brings together everything you need during your trip is essential. That’s exactly what Visit Ukraine services offer – a multifunctional digital hub created to support foreigners before and during their stay in Ukraine.

Whether you're planning a short visit or staying long-term, Visit Ukraine provides convenient access to essential services – all in one place and in English.

What you can do on the Visit Ukraine platform

- Buy medical and car insurance, including insurance with war coverage – required for most travelers in 2025.

- Book airport transfers, train and bus tickets.

- Reserve hotels or guided tours across Ukraine.

- Get help with documents – for example, visa support, translation, etc.

- Receive legal consultations – with lawyers who specialize in assisting foreigners in Ukraine.

- Rent a car for flexible travel within the country.

- Check updated travel rules, safety recommendations, and entry conditions

Whether you are a tourist, volunteer, or professional on assignment, Visit Ukraine is your all-in-one platform for confident travel throughout the country in 2025.

Reminder: Medical insurance remains an essential requirement for entry to Ukraine in 2025. We have already explained how to choose a policy, the types of coverage available, and how to purchase insurance online.

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

We recommend purchasing it for a safe and comfortable trip to Ukraine: 

Visit Ukraine Insurance – insurance covering military risks for entry and travel in Ukraine;

Visit Ukraine Car Insurance – car insurance with extended coverage in Ukraine;

Visit Ukraine Legal Advice – comprehensive legal support on entry to Ukraine;

Visit Ukraine Tickets – bus and train tickets to/from Ukraine;

Visit Ukraine Tours – the largest online database of tours to Ukraine for every taste;

Visit Ukraine Hotels – hotels for a comfortable stay in Ukraine;

Visit Ukraine Merch – patriotic clothing and accessories with worldwide delivery.

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