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Risk Map Launches to Identify Insurance Coverage Regions in Ukraine

In collaboration with risk advisory and crisis response firm, Inherent Risks , Hotspot Cover has developed an interactive, easy-to-use, Risk Map for users to determine where emergency medical, evacuation and personal accident insurance cover is available in Ukraine.

Hotspot Cover has been covering journalists, humanitarians and security personnel in Ukraine since the conflict with Russia began through their War Risk policies which covers emergency medical, evacuation, personal accident & dismemberment, and kidnap & ransom.

At its most simplistic, the live Risk Map, updated daily by Inherent Risks - Intelligence Analysts, has divided Ukraine into risk zones, primarily Red, Orange and Green. This allows those organisations and individuals assessing risks, routes and areas of operations in the country to make better informed decisions when it comes to travel risk management and duty of care, and to determine what rate their insurance will cost per day/week/month.

Its format is simple. The Green Zone has been categorised as Low to Medium Risk, giving one low insurance rate for the majority of Ukraine except for within 12kms of Russian occupied territory (Red Zone), also known as the frontline. Insurance in the Green Zone can be purchased online as easy as a standard travel insurance policy, at

The Orange Zone represents the 12 kilometres between the Red Zone and the Green Zone, and custom quotes are available for an additional premium which justifies the additional risks within that region. Our policy is clear and transparent and we back-up what we say that we cover, and what our assistance provider can do. Our policy does not have a ‘self-rescue’ clause!

Medical Assistance & Emergency Evacuation

After conducting an industry benchmarking assessment, and stress-testing other assistance providers earlier this year, Hotspot Cover appointed Inherent Risks as their medical assistance and emergency response provider for one simple reason. They don’t overpromise and then under deliver (and they don’t make money at claims stage).

Time and again, they have proven their capabilities for our clients, in Afghanistan, Iraq, Gabon, Mozambique and Tanzania. The Ukraine has been no exception.

An insurer is only as good as the assistance and claims provider they rely on to advise, assist and respond to their travellers.

Inherent Risks was arguably one of the first firms to deploy their own staff and capabilities to Ukraine, within just 48-hours of the start of the conflict, and where they have had a continued presence ever since.

Integrity of evacuation capability in Ukraine was a must for us, both from a conduct risk perspective, and also from an ethical one.

Risk Register

At no additional cost to premium, Inherent Risks maintains a Risk Register for all personnel on-risk in-country, including travel tracking and check-ins when they change location.

Depending on the locations of people on-risk, Inherent Risks move their assets into strategic locations that enable them to respond in the event of an incident. Once an SOS is received, their team coordinates the rescue/evacuation from an agreed upon location. If a response team is within minutes away, their primary responsibility is to get the injured off the  \"X\", triage and stabilise, before transporting to the nearest suitable hospital, and/or evacuating out of the country.

If the response team is within 60 to 90-mins away from the incident, they will agree upon a rendezvous point if the injured are able to self-rescue, and the stabilisation/evacuation will take place from there. 

Inherent Risks also has access to a fleet of helicopters that can land within 2 kms of the Ukrainian border (Polish side) to provide rapid evacuation to network hospitals if required.

Special Risks Add-Ons

Away from the ‘standard’ War Risks in Ukraine, Hotspot Cover can also further bespoke your policy to included Nuclear, Chemical and Biological cover – at an additional premium, on a bespoke basis, as well as insuring for Kidnap and Ransom, Disappearance and Extortion.

The Ukraine Risk Map can be viewed at:

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