Lviv is often seen as a safer entry point into Ukraine. It has become a base for NGOs, journalists and logistics teams operating across the country. However, standard travel insurance may still not respond in this environment.
We provide cover worldwide for non-combatants, including high-risk and conflict-affected areas like Lviv. Designed for real-world conditions, not standard travel scenarios.
What's included
Designed for non-combatants working in environments where standard insurance often fails.
Standard travel insurance may still not respond in Lviv.
Even in Lviv, which is more stable than eastern Ukraine, most standard policies exclude travel in conflict-affected countries. The wider environment matters — not just your immediate location.
Yes — Conflict Cover provides specialist insurance for Lviv, Ukraine.
Subject to full disclosure of your assignment, operating area and security arrangements. This cover is designed for journalists, NGO workers, contractors and other non-combatants who have a legitimate professional reason to be there.
City context
The situation
Lviv is the major city of western Ukraine and serves as the primary entry point and logistical hub for international operations across the country. It is significantly further from the front lines than Kyiv, Kharkiv or Dnipro, and has been less frequently targeted by Russian forces. Many international organisations use Lviv as their Ukrainian headquarters.
However, Lviv has been struck by Russian missiles on multiple occasions, including attacks on energy infrastructure and military facilities. Long-range missiles and drones can reach Lviv from Russian and Belarusian territory. The perception of Lviv as 'safe' compared to eastern Ukraine is partially but not fully accurate.
For international workers, Lviv provides the most stable operating base within Ukraine. The city has good medical infrastructure, international connectivity and established emergency procedures. But the assignment cover must account for the full scope of Ukrainian operations, including field deployments to the east.
What to watch
Why it can be challenging
Long-range missile attacks despite distance from front lines
Russia has struck Lviv with missiles on multiple occasions. Energy infrastructure, military logistics facilities and sometimes civilian areas have been targeted despite Lviv's distance from the front.
Transit hub for high-risk eastern deployments
Lviv is the starting point for field deployments to Kyiv, Kharkiv, Dnipro and front-line areas. The risk of the full assignment — including field operations — is carried by Lviv-based teams.
Evacuation route vulnerability
In a major escalation requiring full withdrawal from Ukraine, Lviv's border crossing with Poland could become congested. Evacuation planning should include the possibility of delayed border access.
Energy infrastructure reliability
Russia's systematic targeting of Ukraine's power grid affects western Ukraine including Lviv. Extended power outages affect organisations without backup capacity.
Can you get insurance for Lviv?
We provide specialist cover for individuals and organisations operating in Lviv, including NGOs, journalists, aid workers and coordination teams.
Why this matters in Lviv
Lviv operates as a key logistics and coordination hub. While conditions are more stable than eastern regions, risk still exists due to the wider conflict environment.
This includes infrastructure disruption, transport changes and evolving security conditions.
Specialist cover ensures you are supported if conditions change.
Practical relevance
Medical treatment while operating in a conflict-affected country — even in a more stable city, local care may not be sufficient.
If the situation in Ukraine deteriorates, evacuation support is available — coordinated through NGS in real time.
Deployment changes requiring rapid movement to a different city or country, with support throughout the transition.
Emergency support
NGS operates a 24/7 response centre. They coordinate treatment, support and evacuation if required.
You are supported throughout, not left to navigate the situation alone.
Continuity
Yes. Eligible benefits can continue after you return to your home country, subject to policy terms.
Exclusions
Being clear about exclusions helps buyers know exactly what this policy is for and where separate cover may be needed.
This policy is designed to protect people, not possessions.
Cover not included
Activity exclusions
Property exclusions
These covers can be arranged separately if required.
Threat intelligence
For a deeper understanding of the current situation, including operational risks and regional dynamics, see our threat intelligence hub.
Common questions
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