Who we are:

Hotspot Cover is a specialist travel insurance that is designed for individuals and groups travelling to the high risk and hostile territorial regions across the world. It includes Covid 19, war and terrorism cover and for areas where the Foreign and Commonwealth Office (FCO) or local authority equivalent or the World Health Organisation (WHO) have "advised against travel" and which are excluded on most travel insurance policies.

We provide an online platform to purchase comprehensive insurance which gives you peace of mind before embarking on any hazardous travel - all available within minutes from quote to purchase. In partnership with the Lloyd’s of London market, we’ve developed a completely unique underwriting model that allows customers to purchase a niche policy with a minimum of fuss and that matches your needs and a duty of care at a highly competitive price.

What we offer:

Hotspot Cover provides a range of medical travel insurance and emergency assistance to those working in the widest variety of occupations- from business travellers, front line journalists and NGOs to engineers and charity workers; anyone in fact travelling “to and from” almost anywhere in the world. Hotspot Coverage gives benefits arising from accidental injury and disability and includes passive war and terrorism cover. It provides for Emergency Medical & Evacuation Expenses to cover both accident and illness that include for Covid 19. Crisis Response that includes Political and Natural Disaster Evacuation and Kidnap and Ransom cover can also be added as an optional coverage. We also provide a host of travel risk tools that come with free access to a smart phone app giving you pre-travel country reports, a smart red button location-alert service and live incident feeds.


Hotspot has been tailored and designed in consultation with leading international travel and medical insurance experts and professionals operating on the frontline in the field of global travel risk management, safety and personal security in fragile environments. In short, individual customers now have the ability to obtain extreme risk travel coverage that historically has only been available through the Lloyd’s market for big corporations or at a very high cost.


Hotspot Cover is a licensed insurer and regulated by the The Guernsey Financial Services Commission (GFSC) and is fully supported by the Lloyd’s insurance market.

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What our customers are saying

We travel to the Middle East to countries like Iraq and Afghanistan multiple times per year and have always struggled to get insurance or when we did it was usually expensive. I’m really happy to have found Hotspot Cover.

Richard C

I have been struggling to find a broker who could arrange war and terrorism cover and was pleased to find Hotspotcover who provided me a very comprehensive product with a reputable and brands behind them.

John S

Having tried a number of insurance providers who sell hostile region insurance with little success I was fortunate to be directed to the online Hotspot product where I bought the insurance I needed without needing to go through a broker.

Margaret B