Where can you get the best deal on insurance before travelling to the EU?

Every Ukrainian planning a trip abroad wants to choose the best travel insurance for Europe. However, there are many offers on the market, so this task is quite difficult. Find out why you need insurance, how much it will cost, and where you can buy cheap travel insurance for Europe

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Insurance for travelling abroad is an important step in planning your trip. Many tourists have doubts about the mandatory nature of the policy, as this issue is not clearly spelled out in the current legislation. However, experts insist that any Ukrainian citizen travelling abroad must take care of travel insurance for Europe. And it's not just that border guards may consider the policy as proof of the purpose of your stay in the country and refuse entry if you don't have one. First and foremost, travel insurance for leaving Ukraine in 2025 is necessary to protect yourself from unforeseen circumstances while travelling and to save money — without a policy, medical treatment in Europe can be prohibitively expensive. We explain why you need an insurance policy and how to purchase affordable travel insurance online.

Planning a trip abroad? Get reliable travel insurance on the Visit Ukraine portal.

Medical insurance for a Schengen visa: why is a policy essential?

Having a valid medical insurance policy for travelling abroad is not just a formality, but a mandatory requirement for most EU countries that are part of the Schengen area. Without it, you risk being denied entry or facing huge financial costs in the event of unforeseen circumstances.

For most countries in the Schengen area (including the most popular destinations such as Poland, Germany, Italy, Spain, France and others), there are uniform, clearly defined requirements:

1. Minimum coverage – €30,000 (this amount must be guaranteed to cover medical expenses, hospitalisation and repatriation in the event of death or serious illness).

2. The policy must cover all countries in the Schengen Agreement.

3. The insurance period must cover the entire planned period of stay abroad (plus a recommended reserve of 15 days for obtaining a visa).

4. The policy must cover the costs of emergency care, injuries, transportation to the hospital and inpatient treatment.

Find answers to the most frequently asked questions about obtaining insurance for travel abroad here.

In European countries, the cost of medical services for foreigners without insurance can reach thousands or even tens of thousands of euros:

– appendicitis or acute trauma (the cost of emergency surgery and several days in hospital can easily exceed €5,000–10,000);

– emergency care for COVID-19 (treatment of coronavirus disease and related complications, including intensive care, can cost €15,000 or more);

– transport to your home country (repatriation) – in the event of serious illness or death, the cost of medical evacuation or transport of the body can range from €5,000 to €30,000.

The border service of an EU country has the right to request an insurance policy. If you do not have one or it does not meet the minimum requirements, you may be denied entry into the country. Also, in the event of an insured event, all medical expenses will be borne exclusively by you.

Where to buy travel insurance in Ukraine for travel to Europe?

Today, obtaining travel insurance has become as simple and affordable as possible. There are several main ways to purchase a policy:

1. Online – on official platforms (leading platforms specialising in travel, such as Visit Ukraine, offer convenient online calculators and the ability to compare offers from trusted insurance partners).

2. On insurance company websites (you can purchase a policy directly on the website of your chosen insurance company).

3. At travel agencies or banks (this is the traditional method, which may be convenient for those who prefer personal communication, but it is often more expensive).

Online travel insurance for Ukrainians has its advantages:

1. It takes just a few minutes to apply.

2. The policy is sent to your email, so you don't need to pick it up at the office.

3. Online services allow you to instantly evaluate the cost and coverage of different companies.

4. You can buy insurance at any time, wherever you are.

Remember! Always check reviews of the insurance company and its licence status. Reliable online platforms only work with verified, licensed partners.

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How to find the most advantageous policy on the Ukrainian insurance market?

‘Profitable’ does not always mean ‘cheap’, but rather optimal in terms of price and coverage. The best policy is one that provides maximum protection at a reasonable price.

When choosing a policy, pay attention to the following aspects:

– coverage amount (minimum €30,000, but for absolute confidence, you can choose €50,000);

– COVID coverage (in 2025, this is still an important factor, especially if you are planning an active trip);

– policy validity in all EU countries (make sure that the coverage area matches your itinerary);

– additional options (consider extended coverage that includes luggage insurance, flight delays,

evacuation, and active leisure risk coverage, if necessary);

– the presence of a deductible – the portion of the costs that you bear yourself (policies with zero deductibles are more expensive, but in the event of an insured event, you will not have to pay anything yourself; for the Schengen area, it is recommended to choose a policy with a deductible of no more than €100-150 or no deductible at all).

For detailed instructions on how to choose the right travel insurance for Europe, follow the link.

How much does insurance for a trip to the EU cost in 2025?

The cost of insurance is very reasonable compared to the potential cost of treatment:

– short trip (up to 7 days): 150–250 UAH

– month-long trip: 400–700 UAH

– annual policy (for frequent trips): from 2,000 UAH

Important! These prices are approximate and may vary depending on the market.

The price of an insurance policy depends on a number of factors:

– duration of the trip (the longer the period, the higher the total cost);

– country/territory (insurance for the entire Schengen area may be slightly more expensive than for one country);

– age of the insured person – for older people (e.g. 60+), higher coefficients apply;

– the purpose of the trip and additional risks – work, study, active sports (skiing, diving) increase the cost;

– the amount of coverage and deductible (a policy for €50,000 without a deductible will be more expensive than one for €30,000 with a deductible).

The best way to avoid overpaying is to compare options online, buy in advance, and pay attention to promotions that are often offered by insurance partners of online platforms.

How to purchase insurance online on Visit Ukraine?

The Visit Ukraine platform offers an intuitive and fast service for purchasing a policy, which has a number of advantages:

1. Fast purchase in a few minutes – you only need to enter your travel dates, personal details and select a programme.

2. Policies that meet Schengen requirements – all policies offered have coverage of at least €30,000 and are valid throughout the EU.

3. Automatic receipt of the policy by email – after payment, you will instantly receive an electronic policy that you can print or save on your smartphone.

4. Ability to choose the best offer from trusted partners – you can see offers from several market leaders and compare the terms and conditions.

5. Secure payment and 24/7 support – guaranteed transaction reliability and support if you have any questions.

Planning a trip to Europe? Don't put off thinking about safety! Get reliable medical insurance at Visit Ukraine online – quickly, affordably and with full coverage in EU countries!

Remember! When travelling to Europe by car, the driver must obtain a ‘Green Card’ motor insurance policy – this document guarantees coverage of expenses to third parties in the event of an accident abroad. We discussed how the rules for obtaining a ‘Green Card’ changed in 2025 in our previous article.

Photo: generated by 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 travelling abroad;

Visit Ukraine Tickets – book tickets for buses, trains, and planes to/from Ukraine and between cities around the world;

Private Lawyer service – professional legal support on visa and migration issues;

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

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