Ile kosztuje ubezpieczenie podróżne w 2025 roku i co obejmuje?

Posiadanie polisy ubezpieczeniowej jest obowiązkowym wymogiem przy podróżowaniu do większości krajów na świecie. Mówimy, ile kosztuje takie ubezpieczenie w 2025 roku i jakie ryzyka obejmuje

Polisa ubezpieczeniowa to gwarancja Twojego bezpieczeństwa i spokojnego pobytu poza Ukrainą

KUP

Insurance is not only a mandatory document for traveling between countries of the world, but also a guarantee of safety and confidence of a tourist during trips. At the same time, the policy not only guarantees the provision of medical care outside the home country, but also helps in other common situations, such as lost luggage at the airport or migration problems due to the loss of documents when crossing the border.

How much does insurance cost in 2025 and what risks does it cover - we will tell you further in the material.

Read this article to learn how to choose the right insurance policy for traveling abroad.

What does the cost of an insurance policy depend on?

The cost of a travel or medical insurance policy depends on the following factors:

- Coverage region – a list of countries covered by the risk coverage;

- Insurance validity period (coverage period);

- Number of insured persons;

- List of risks covered by the insurance policy.

What risks does a travel insurance policy cover for traveling abroad and what is its cost?

Available rates for a travel insurance policy can be divided into the following groups:

Insurance policies with basic coverage

This insurance covers a basic list of risks related to medical care and patient transportation. This coverage is enough to have reliable assistance if you get sick abroad. Also, such a policy meets the requirements of most countries for insurance for obtaining a tourist visa or visa-free travel.

Its main advantage is its affordable cost.

However, such insurance policies usually do not provide compensation for additional risks (luggage loss, flight delay, legal support, etc.)

Available basic travel insurance rates on the Visit Ukraine portal:

Worldwide Basic

Coverage area: worldwide.

Deductible: €100

Amount of coverage: €50,000.

Cost – €2.15/day.

Europe Basic

Coverage area: European countries.

Deductible: €100

Amount of coverage: €30,000.

Cost – €0.53/day

Insurance policies “Worldwide Basic” and “Europe Basic” compensate for the following risks:

1. Compensation for treatment in case of illness or injury abroad (this can be both inpatient and outpatient care).

2. Dental care: in emergencies, for example, in case of acute pain.

3. Evacuation and transportation: assistance in transportation to the hospital in emergency cases.

4. Repatriation of the body or burial: in the event of an accident or sudden death of the insured person abroad.

Insurance policies with “Comfort” level coverage

This travel insurance policy, in addition to basic medical protection, offers the tourist protection in certain emergency situations, such as loss of luggage, documents and flight delay. Another advantage is the absence of a deductible.

“Comfort” level policies are considered the optimal solution during travel, as they provide reliable protection for the tourist for quite reasonable costs.

Comfortable travel insurance rates are available on the Visit Ukraine portal:

Europe Comfort

Coverage area: European countries.

Deductible: 0

Amount of coverage: €30,000

Cost – €1.24/day

The “Europe Comfort” insurance policy compensates for the following risks:

1. Compensation for treatment in case of illness or injury abroad (this can be both inpatient and outpatient care).

2. Dental care: in urgent cases, for example, in case of acute pain.

3. Evacuation and transportation: assistance in transportation to the hospital in emergency cases.

4. Repatriation of the body or burial: in case of an accident or sudden death of the insured person abroad.

5. Flight cancellation or delay: reimbursement for waiting room or meal expenses.

6. Loss of luggage: compensation in case of loss of belongings by the carrier.

7. Legal assistance: support in case of legal problems abroad, in particular when documents need to be restored or the rights of the insured person are violated.

Insurance policies with VIP coverage

The VIP travel insurance policy covers not only the costs of treatment, transportation, compensation for risks in case of lost luggage or flight delay, but also provides assistance if you get into a traffic accident abroad. This insurance policy will be relevant for tourists who travel by their own car or plan to rent a car abroad.

VIP travel insurance rates available on the Visit Ukraine portal:

Europe VIP

Coverage area: European countries.

Deductible: 0

Amount of coverage: €30,000

Cost – €1.91/day

The “Europe VIP” insurance policy compensates for the following risks:

1. Compensation for treatment in case of illness or injury abroad (this can be both inpatient and outpatient care).

2. Dental care: in urgent cases, for example, in case of acute pain.

3. Evacuation and transportation: assistance in transportation to the hospital in emergency cases.

4. Repatriation of the body or burial: in case of an accident or sudden death of the insured person abroad.

5. Flight cancellation or delay: reimbursement for waiting room or meal expenses.

6. Loss of luggage: compensation in case of loss of belongings by the carrier.

7. Legal assistance: support in case of legal problems abroad, in particular when documents need to be restored or the rights of the insured person are violated.

8. Accident protection: which can include both legal support and delivery of the insured person to the destination if the personal car is unusable due to an accident.

Follow the link to choose a travel insurance rate on the Visit Ukraine portal.

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What risks does a health insurance policy cover for traveling abroad and how much does it cost?

Health insurance is an important element of a safe trip abroad. It is not only a way to avoid unforeseen expenses in case of illness or injury, but also a mandatory requirement for visiting many countries, especially when it comes to a long stay outside your home country.

Medical insurance includes coverage for various unforeseen situations related to health and travel.

A basic health insurance policy covers:

- Doctor's consultations and diagnostics;

- Treatment in case of illness or injury;

- Emergency medical care, including hospitalization;

- Medication prescribed by a doctor;

- Transportation costs for evacuation to the nearest medical facility;

- Emergency dental care, etc.

Basic health insurance rates available on the Visit Ukraine portal:

Europe Classic Plus

Coverage area: European countries.

Deductible: €50

Amount of coverage: €50,000.

Cost – €0.93/day

Europe Classic

Area of ​​coverage: European countries.

Deductible: €50

Amount of coverage: €30,000.

Cost – €0.78/day

Extended medical insurance

Such a policy may additionally cover the costs of vaccinations, emergency surgeries, gynecological care, repatriation of the body to the homeland in the event of the death of the insured person, as well as other risks related to travel:

- flight delays and cancellations;

- loss of luggage;

- telephone costs;

- damage to personal transport in the event of an accident;

- costs of processing documents for returning from abroad, etc.

Extended medical insurance rates are available on the Visit Ukraine portal:

Worldwide SILVER-VU

Area of ​​coverage: worldwide.

Deductible: 20%.

Amount of coverage: €30,000.

Cost – €1.5/day

Worldwide GOLD-VU

Area of ​​coverage: worldwide.

Deductible: 0.

Amount of coverage: €30,000.

Price: €2.5/day

PLATINUM tariff

In addition to compensation for the above risks, it includes the organization and payment of expenses for the early return to the country of permanent residence of the Insured Person's children under 14 years of age, compensation for forced quarantine, accommodation in a hotel for the Insured Person's companion, as well as travel expenses for both the Insured Person and family members in the event of a delay due to illness abroad, etc.

Worldwide PLATINUM-VU

Area of ​​coverage: worldwide.

Deductible: 0%.

Amount of coverage: €30,000.

Cost – €4/day

Important! It is worth noting that the Visit Ukraine portal offers an annual health insurance policy with a deductible of €100 and a coverage amount of €30,000. The insurance price is €459.9/year.

The Visit Ukraine online insurance service offers various policies, allowing you to choose a package that perfectly meets your needs.

You can compare available health insurance policy rates by clicking on the link.

You can check whether you need insurance to enter a particular country using a special form on our website. Follow the link and choose your citizenship and destination country to find out the current conditions for entering and staying in more than 200 countries.

How to apply for a travel and medical insurance policy on the Visit Ukraine portal?

To apply for travel or medical insurance on the Visit Ukraine website, follow the link and follow these simple steps:

1. Select an insurance package (depending on the region you are traveling to and the specifics of your trip).

2. Select the insurance validity period (according to the dates of your planned trip) 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, place of residence, TIN and country of destination). 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:

- With a bank card of any bank in the world: Visa or Mastercard.

- Through payment systems: Apple Pay, Google Pay and American Express.

- Using payment in installments via WayForPay: Monobank, PrivatBank, A-bank.

You will receive a ready-made travel or medical 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 process of applying for insurance, 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.

Advantages of applying for an insurance policy on the Visit Ukraine portal

By applying for an insurance policy online on Visit Ukraine, you get:

- Time savings: no queues or unnecessary paperwork.

- Reliability: the policy meets all international standards and is suitable for visa processing.

- Accessibility: the minimum number of required documents and a favorable price.

- Security: the policy is always available in digital format, so you can be sure of its safety.

Do not neglect your health and finances - take out reliable insurance with a guaranteed payment on the Visit Ukraine portal!

We remind you! It is important for Ukrainians staying in EU countries to have health insurance. Since insurance not only provides financial protection, helping to avoid high costs for medical services, but also ensures access to medical care in accordance with European standards. However, there are a number of other important reasons that determine the need to take out insurance. We talked about them in our material.

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