Can foreigners get life insurance in Ukraine during martial law?

War continues in Ukraine, and this changes the rules of insurance for foreigners. Classic life insurance policies do not apply in the war zone, but there are alternatives that provide real protection. Learn more about the insurance options available to foreigners in Ukraine during martial law

Reliable medical insurance for foreigners in Ukraine

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Under martial law, foreigners who come to or remain in Ukraine often ask: is it possible to take out life insurance? After all, safety while staying in the country is a concern for everyone.

In this article, we will explain how life insurance works for foreigners in 2025, why traditional policies often do not apply during wartime, and what alternatives are actually available.

How to plan a trip to Ukraine and whether tourists are welcome in Ukraine — we discussed this in previous articles.

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.

Life insurance for foreigners in Ukraine: is it available during martial law?

Insurance companies in Ukraine have traditionally offered life insurance policies that foreigners could also take out. However, with the start of full-scale war, the situation has changed radically. Most insurance programmes exclude risks associated with hostilities. This means that even if a foreigner takes out a classic life insurance policy, there will be no compensation in the event of death or injury due to war events.

It is also worth considering that foreign life insurance policies issued by insurance companies outside Ukraine are also not valid on our territory. Therefore, foreigners have to look for alternatives — other types of insurance that correspond to the realities of today.

Why standard travel insurance may not be enough for travelling to Ukraine in 2025 — we explain at the link.

Why is it difficult to insure your life during wartime?

The reason is simple: life insurance is based on risk assessment. War makes the risk of death or injury unpredictable. Combat operations, explosions, terrorist attacks — all of these are included in the list of standard exclusions in policies. That is why classic programmes do not actually work in a country where war is ongoing.

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How can you protect yourself while in Ukraine, and what alternatives are available to foreigners?

Despite the difficulties with life insurance, foreigners have the option of taking out other policies that provide protection:

– Standard medical insurance — covers treatment of illnesses, injuries, hospitalisation, and emergency care. This is the basic option for anyone staying in Ukraine.

– Medical insurance with coverage for war risks — a special product that guarantees financial support even in the event of injuries caused by hostilities or terrorist acts. For journalists, volunteers and foreign citizens working in risk areas, such insurance is mandatory.

What does war risk insurance cover for foreigners in Ukraine? We explain here.

How to choose the right insurance during martial law?

When choosing an insurance policy, there are several key points to consider:

– Check whether the selected programme includes war risks.

– Pay attention to the minimum payment limits — they should cover at least basic medical expenses.

– Only purchase policies from reputable companies.

– Take out insurance online in advance to avoid delays while travelling.

For more information about the most common mistakes foreigners make when purchasing insurance in Ukraine, follow the link.

Insurance for foreigners in Ukraine 2025: insurance services from Visit Ukraine for safe travel

Standard medical insurance for foreigners in Ukraine

Medical insurance is your main safety tool during your stay in Ukraine. The policy covers the costs of treatment, emergency care, hospitalisation and medication, allowing you to avoid unexpected expenses in case of illness or injury.

On the Visit Ukraine portal, you can quickly take out insurance online, receive an electronic policy in a few minutes and be sure that you will receive medical assistance if necessary.

War risks insurance for foreigners in Ukraine

This type of insurance provides financial protection in cases of injuries caused by military actions or terrorist attacks. You can take out a policy for 3 to 180 days, and for those planning a long stay, there is an annual programme available, which is even suitable for obtaining a residence permit.

Visit Ukraine cooperates with reliable insurance companies and offers foreigners a convenient online registration service. The policy is sent to your email immediately after payment.

Mini Hull insurance for foreigners with cars

If you plan to come to Ukraine in your own car, take care of protection. Mini Hull insurance from Visit Ukraine covers risks related to traffic accidents, car damage, natural disasters, and even the risks of war. This is the best option for those who want to feel confident on the roads even in difficult times.

Additional services for a confortable stay in Ukraine

In addition to insurance, foreigners can take advantage of other services on the Visit Ukraine website:

– A convenient system for booking tickets for buses and trains and convenient transfers from abroad to Ukraine and back.

– Assistance from migration lawyers who advise on legalising your stay in Ukraine.

– Booking hotels and apartments in Ukraine.

– Interesting excursions and tours of Ukraine.

We wish you a pleasant journey!

Reminder! The cost of medical services in Ukraine for foreigners can be unpredictable and seriously hit your budget. Insurance allows you to protect yourself from financial risks and feel confident during your trip or long-term stay. How insurance saves thousands of dollars for foreigners in Ukraine — we explain here.

Photo: generated using Gemini

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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