Travel insurance for


Country Risk Code:


Ukraine is an EXTREME RISK country. The ongoing conflict in the country following Russia\'s invasion poses the greatest risk to travelers.

Essential Precautions: 

• Avoid traveling through unlit areas or traveling alone at night, especially in Kyiv 

• Avoid travel to Crimea, Donetsk, and Luhansk 

• Keep track of bags, purses, and backpacks as pickpockets are common in urban centers 

• Do not display overt forms of wealth 

• Avoid demonstrations and protests, as they can often turn violent 

• Only use ATMs during daylight hours and at large facilities, preferably inside banks

Insurance becomes a priority if you intend to travel or work in Ukraine. Traveling to Ukraine presents significant risks due to ongoing conflict and political instability. The situation can change rapidly, so it\'s essential to consult up-to-date travel advisories from your government or reliable sources like the U.S. State Department, UK Foreign Office, or your country\'s equivalent. Here are some factors to consider:

Political Situation: Ukraine has experienced political instability and tensions, particularly in the eastern regions of Donetsk and Luhansk. While the situation has improved since the peak of the conflict in 2014, sporadic violence and unrest may still occur. Travelers should stay informed about current events and avoid areas where demonstrations or conflict may occur.

Crime and Security Risk: Due to the ongoing conflict following Russia\'s invasion, all travel to Ukraine should be avoided. Domestic terrorism poses a medium threat to government installations and transit hubs. Domestic terrorism poses a medium threat to government installations and transit hubs. Foreign nationals are most likely to be affected by petty crime, particularly around tourist attractions and transportation hubs in major cities including Kyiv, Kharkiv, and Odessa. While violent crime rates have decreased in recent years, there are millions of illegal weapons in circulation and armed robberies are still common. Political demonstrations occur frequently in large cities, with most large protests held near the parliamentary and presidential buildings in Kyiv. Nationalist or pro-Russian demonstrations carry an elevated potential for violence. Corruption is prevalent throughout all levels of Ukraine\'s security forces.

Medical & Health Risk: The quality of health care throughout Ukraine falls below international standards. Public clinics outside of major cities rely on outdated equipment and lack highly trained staff. Utilize private facilities when possible. Emergency services are slow to respond. Several infectious diseases are present, including HIV/AIDS and multidrug-resistant tuberculosis. These ailments are more common in the south and eastern regions. Tap water is not safe to drink. 

Environmental Risk: Extreme winter conditions pose the primary environmental risk. Ice and heavy snowfall can significantly increase the risk associated with road travel and cause major disruption. Spring flooding periodically occurs in the country\'s western regions. Disaster management capabilities fall below international standards. Radiation levels should be monitored if traveling near Chernobyl.

Transport & Infrastructure Risk: Roads are of poor quality outside of major cities. The risk posed by these conditions is exacerbated by poor lighting and reckless local driving norms. Road accident and fatality rates are very high. Bus and rail transportation networks are not reliable. The metro in Kyiv is extensive, but pickpocketing and bag-snatching are very common. Harsh weather during winter months regularly damages Ukraine\'s electrical and telecommunication infrastructure.

Conflict in Crimea: The situation in Crimea remains complex due to Russia\'s annexation of the region in 2014, which is not recognized by most of the international community. Travelers should be aware of the political sensitivities surrounding Crimea and avoid crossing the administrative boundary from mainland Ukraine into Crimea without proper authorization.

Travel Restrictions: Due to the ongoing conflict in eastern Ukraine, there may be travel restrictions or checkpoints in place, particularly near the conflict zone and along the border with Russia. Travelers should check for any travel advisories or entry requirements before planning their trip.

Overall, travel to Ukraine is extremely dangerous and is strongly discouraged. Travelers should prioritize their safety and well-being and avoid all non-essential travel to the country. It\'s essential to stay informed about the situation in Ukraine, heed travel advisories from relevant authorities, and consider alternative travel destinations with greater stability and safety.

Choosing the right cover for your trip to Ukraine

Many insurers exclude cover for travel to Ukraine. It is vital to check that your policy includes journeys to this nation. Ascertain that your policy coverage includes medical expenses, repatriation, crisis management, and kidnap for ransom cover. Ukraine\'s healthcare infrastructure has been severely damaged by the conflict and emergency services can be slow to respond. It may be necessary to evacuate you for medical and other critical care.

Required Vaccinations: 

• None

Pre-Trip Checklist: 

• Carry a copy of your passport 

• Bring a necessary supply of prescription medication 

• Bring a copy of your prescription in case medication is lost or stolen 

• Consider bringing warm clothing if traveling during the winter

LGBT travel advice for Ukraine

While Ukraine has made progress in LGBTQ+ rights compared to some neighboring countries, discrimination and societal stigma against LGBTQ+ individuals still exist. Public displays of affection may attract unwanted attention, particularly outside major cities.