Complete Guide to Ukraine Travel Insurance

Tourists: Whether visiting Kyiv, Lviv, Odesa, or the Carpathian Mountains, tourists benefit from comprehensive medical coverage. Ukrainian healthcare facilities require upfront payment from foreign nationals, making insurance essential for managing unexpected medical costs.

Business Travelers: Professionals traveling to Ukraine for meetings, conferences, or work assignments should carry travel insurance for both medical protection and peace of mind.

Students: Ukraine has historically been a popular destination for international students, particularly from India, with over 18,000 students enrolled in Ukrainian medical universities. Universities typically require proof of insurance as part of enrollment.

Journalists and Media (Legally Required): Under Article 7 of the Law of Ukraine on Insurance, travel insurance is mandatory for journalists, reporters, correspondents, media representatives, and opinion leaders. This is not optional — it is a legal requirement.

Volunteers: Humanitarian workers and volunteers entering Ukraine should carry Extended coverage with war risk protection, given the areas they may be working in.

Expats and Long-Stay Visitors: Those planning extended stays of up to 180 days can purchase a single policy covering their entire visit.

Both plans provide €30,000 per insured event and are accepted at all Ukrainian borders. The key difference is that the Extended plan adds war risk protection and access to private clinics.

Standard Plan is suitable for short tourist trips to relatively safe areas. It covers all essential medical needs including emergency treatment, hospitalization, COVID-19, medical transport, and repatriation.

Extended Plan is recommended for all travelers given current conditions. In addition to everything in the Standard plan, it covers passive war-related injuries and provides access to private clinics with English-speaking staff and modern facilities. The cost difference is minimal — only about €2 more for a 3-day trip.

Both plans include the following coverage limits per insured event:

Prices are approximate and depend on trip duration. Here are example costs for common trip lengths:

Purchasing travel insurance for Ukraine is quick and straightforward:

1. Fill out the form: Enter your travel dates, personal details, and contact information. This takes about 2 minutes.
2. Choose your plan: Select Standard or Extended coverage based on your needs and our recommendations above.
3. Pay securely: Complete the payment using any major credit or debit card. The payment processing is secure and encrypted.
4. Receive your certificate: Your PDF insurance certificate is delivered instantly to your email address. The entire process takes approximately 5 minutes.

Your certificate includes all necessary information for border officials: your name, passport details, coverage dates, plan type, and policy number.

When crossing into Ukraine, have your insurance certificate readily available. Here's what to keep in mind:

• Digital copies are accepted: You can show your PDF certificate on your phone or tablet.
• Printed copies recommended: As a backup, carry a printed copy in case your device runs out of battery or has connectivity issues.
• English certificates accepted: The EUROINS certificate is issued in English and Ukrainian, making it universally accepted at all border crossings.
• Open borders: Poland, Slovakia, Hungary, Romania, and Moldova borders are open for entry.
• Closed borders: Russia and Belarus borders are closed.

Border officials may ask to see your insurance certificate along with your passport. Having it ready speeds up the process.

While the coverage is comprehensive, certain situations are excluded:

• Pre-existing conditions: Medical conditions that existed before the policy start date are not covered unless specifically declared and accepted.
• Extreme sports: Activities like skydiving, bungee jumping, or mountaineering above certain altitudes require an additional add-on.
• Alcohol/drug-related incidents: Medical treatment required due to alcohol or drug intoxication is not covered.
• Routine/elective procedures: Non-emergency medical treatments, check-ups, and elective procedures are excluded.
• Travel against advisories: If you travel to areas specifically designated as restricted by government advisories, coverage may be limited.

• Travel insurance for Ukraine provides up to €30,000 per insured event
• Both Standard and Extended plans are available for 3 to 180 days
• Extended plan with war risk protection is strongly recommended for 2026
• The cost difference between plans is minimal (about €2 for 3 days)
• Certificates are delivered instantly as PDF via email
• Accepted at all Ukrainian border crossings
• Legally mandatory for journalists and media professionals
• Process takes approximately 5 minutes from start to finish