What does war risk insurance cover for foreigners in Ukraine?

Medical insurance with war risk coverage is a key document for foreigners planning a trip to Ukraine. Find out what rates are available, what the insurance covers, and how to apply for it through Visit Ukraine

War risk insurance is a guarantee of your protected stay on the territory of Ukraine

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Traveling to Ukraine in 2025 requires careful preparation. The war has made its own adjustments, and today, before traveling, it is important for travelers to take care not only of tickets or hotels, but also of reliable insurance protection.

War risk insurance in Ukraine has become an obligatory element of a safe trip for foreigners, as it covers both treatment and unforeseen expenses in cases related to war. Unlike standard insurance, this type of policy is designed for countries in active conflict zones and can be of real importance in an emergency.

We will tell you about the risks covered by war risk insurance for foreigners in Ukraine in this article.

Read what can be imported into Ukraine from abroad in this article.

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.

Detailed information that will be useful when planning a trip to Ukraine can be found here:

– Travel to Ukraine for tourism.

– Employment in Ukraine.

– Immigration to Ukraine.

– Studying in Ukraine.

– Travelling to Ukraine by car.

– Popular destinations in Ukraine.

– Support Ukraine.

Why do foreigners need insurance with war risks?

The rules of entry to Ukraine stipulate that medical insurance for foreigners in Ukraine is a necessary document.

In particular, an insurance policy is a mandatory requirement when applying for a Ukrainian visa, both short-term and long-term. Also, if you plan to travel to Ukraine in 2025 without a visa - for example, as a tourist or to visit family - a valid travel insurance policy is officially included in the rules of entry of foreigners to Ukraine for 2025.

However, a standard insurance policy does not take into account war risks, which can become critical in the current realities.

A standard travel insurance policy usually covers accidents, illnesses, emergency assistance, and sometimes trip cancellation. However, most basic plans exclude any damage or injury related to war or military operations.

This is where travel insurance with war risk coverage comes in. It is a medical insurance policy that provides foreign citizens with financial protection in the event of an accident due to military operations. Given the current situation in Ukraine, such insurance is a critically important element of security for foreigners planning a trip or a long stay in Ukraine.

Visit Ukraine offers modern health insurance for foreigners Ukraine with war risks insurance Ukraine. This is a convenient solution for those planning a trip and want to be confident in their protection.

Read here whether it is possible to travel to Ukraine if your country warns against it.

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What exactly does war risk insurance cover?

War risk insurance has classic medical insurance coverage, which includes emergency care, outpatient treatment, hospitalization and repatriation of the insured person (or his body, in case of death) from the place of stay to the place of his permanent residence and additionally guarantees monetary compensation in the event of an accident due to military operations, passive war risks, terrorist acts. Several tariffs are available on the Visit Ukraine portal:

Armor 30,000 EUR

- Death due to an accident due to passive war risks – €30,000.

- Medical care and treatment costs – UAH 100,000.

- Mild concussion – €1,500.

- Moderate concussion – €4,500.

- Severe contusion – €9,000.

- Penetrating head injury – €12,000.

- Penetrating brain injury – €24,000.

- Fractures and serious limb injuries – €15,000.

- Loss of sight/hearing – €18,000.

Armor 100,000 UAH

- Medical expenses and treatment – ​​100,000 UAH

- Death due to an accident with passive risks of war – 100,000 UAH

- Mild contusion – 5,000 UAH

- Severe contusion – 30,000 UAH

- Penetrating head injuries with brain damage – 80,000 UAH

- Fractures and serious injuries to limbs – 35,000 UAH

- Loss of vision/hearing – 60,000 UAH

- Complete rupture of the spinal cord – 100,000 UAH

Armor + Year of Protection (100,000 and 30,000)

- Dental care (analgesia, extraction) – 5,000 UAH

- COVID-19 – 15,000 UAH

- Death due to an accident with passive risks of war – 100,000 UAH

- Thyroid diseases (myxedema coma, thyrotoxic crisis) – 15,000 UAH

- Acute pancreatitis – 15,000 UAH

These packages show that war risk insurance in Ukraine covers both medical expenses and serious consequences of injuries sustained during the war.

Key applications and services that will help foreigners navigate, receive notifications about threats, use public services, and medical care in Ukraine in this article.

What are the limitations of war risk insurance?

It is worth understanding that even special war risk insurance in Ukraine has certain exceptions. Such a policy is not a universal coverage for all possible situations, and that is why it is important for foreigners to carefully read the terms and conditions before purchasing.

Most often, insurance does not cover:

- Active participation in hostilities or voluntary joining military formations;

- Staying in areas of increased danger, in a combat zone and in occupied territory;

- Injuries or damage to health received while participating in riots, protests or criminal activity;

- Injuries received as a result of alcohol or drug use that led to the incident;

- Scheduled treatment and chronic diseases that are not related to military risks.

Thus, the insurance is designed primarily for passive risks of war - that is, for situations when a foreigner accidentally suffered from shelling, explosions or other dangerous circumstances.

Tip: always carefully check the terms of a specific package, because different programs have their own characteristics. This will help to avoid misunderstandings at a critical moment.

Do I need additional car insurance?

Many foreigners come to Ukraine in their own car or rent a car for convenient travel around the country. In this case, the first mandatory document is an international “Green Card”, which confirms your responsibility to other road users. However, it does not cover the driver’s own losses or damage to the car.

That is why experts advise taking out Mini CASCO - this type of car insurance in Ukraine is more affordable than full CASCO, but at the same time reliably protects against risks:

- Damage to the car due to a blast wave or debris;

- Damage from accidents that can occur even on safe routes;

- Unforeseen situations when renting a car in Ukraine.

Here we tell you how to insure your car, home and health against war risks.

Mini CASCO is especially relevant for foreigners, because it allows you not to worry about your transport in unpredictable war conditions. This solution combines a favorable price and the basic level of protection necessary on the road.

Visit Ukraine offers convenient Ukraine car insurance policies for those who rent or import a car. This is the best choice if you want to be confident in your own safety and the security of your transport.

Where to buy insurance for a trip to Ukraine?

Buying travel insurance for Ukraine has never been easier. In just a few clicks, you can get full coverage – whether you are traveling for tourism, volunteering or business.

The most convenient and reliable way to buy insurance with war risk coverage for Ukraine for 2025 is through the official Visit Ukraine platform. This is a reliable digital center that serves thousands of foreign visitors every month.

Here’s what makes it easy and fast:

- The entire process takes less than 5 minutes.

- Instant confirmation to your email address.

- Policies are officially recognized by the Ukrainian authorities.

- English language support.

- Flexible options – standard coverage or extended war risk coverage.

Whether you need medical insurance in Ukraine with war risk coverage or Mini CASCO car insurance, you can choose the best plan based on the duration of your trip and the level of risk.

Protect your trip today - purchase a proven insurance policy online through Visit Ukraine and enjoy your travels with confidence, knowing that you are insured!

Without a policy with war risk coverage, any trip to Ukraine in 2025 becomes too dangerous. Protection against medical expenses, evacuation and unforeseen injuries is something that can save lives.

Take out medical insurance for foreigners in Ukraine with war risk coverage and Mini CASCO now on the Visit Ukraine website and travel confidently and safely.

Let us remind you! Medical insurance for entry into Ukraine in 2025 remains an important condition for a safe trip. We have already told you how to choose a policy, what types of insurance are available and how to buy 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 – health insurance with coverage of war risks;

Visit Ukraine Mini Hull Insurance – car insurance with extended coverage in Ukraine;

Visit Ukraine Osago – compulsory motor third party liability insurance for cars with Ukrainian registration;

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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