Standard travel insurance excludes conflict zones. Conflict Cover is built for journalists, NGOs, contractors and professionals operating in Ukraine's most complex and fast-changing environments.
From Lviv to Kharkiv, arrange specialist cover quickly — and know that expert support is available 24/7 if something goes wrong.
At a glance
Accidental death & permanent disability
Financial protection for serious incidents
Sickness & accident medical expenses
Support for eligible medical costs
Medical evacuation & repatriation
When local treatment isn't enough
24/7 NGS assistance
Emergency support when the situation changes fast
Areas commonly searched
Cover depends on accurate disclosure of location and activities.
Standard travel insurance will not cover you in Ukraine - but we do.
Most policies contain explicit exclusions for war, armed conflict and civil unrest. If you are travelling to or working in Ukraine, you may have no protection at all — even if you believe you paid for a policy.
Country context
The situation
Russia's full-scale invasion of Ukraine, which began in February 2022, has created a sustained armed conflict affecting the entire country. Eastern and southern Ukraine — including Donetsk, Zaporizhzhia, Kherson and parts of the Kharkiv region — are active combat zones. Ukrainian cities across the country face regular missile and drone attacks.
The international humanitarian and media presence in Ukraine is significant. Journalists, humanitarian workers, reconstruction teams and support personnel operate in varying conditions from Lviv (relatively stable) to the front-line areas near Bakhmut and Avdiivka (extremely dangerous). The risk level varies enormously by location and changes rapidly as the front lines shift.
For non-combatants working in Ukraine, specialist insurance is a baseline operational requirement. Standard policies exclude war zones. Cover should account for the possibility of evacuation, injury from missile/drone strikes, and the distinct risks of frontline proximity versus rear areas.
What to watch
Why it can be challenging
Nationwide missile and drone attacks on infrastructure
Russia conducts regular ballistic missile, cruise missile and Shahed drone attacks targeting Ukrainian power infrastructure, transport networks and population centres. No city in Ukraine is fully safe from these attacks.
Active front-line combat zones in the east and south
Artillery exchanges, armoured operations and aerial bombardment occur continuously along the front lines in Donetsk, Zaporizhzhia and Kherson. Front-line proximity exponentially increases the risk to all personnel.
Unexploded ordnance across previously occupied and contested areas
Areas that have seen fighting are heavily contaminated with mines, cluster munitions and unexploded ordnance. This affects Kherson region, Kharkiv region, Donetsk and areas south of Kyiv. UXO remains a major long-term risk.
Rapidly changing security conditions requiring flexible planning
The military situation in Ukraine can change significantly within hours. Operations, evacuations and movements must be planned with real-time information and the capacity to adapt quickly to changed circumstances.
What is included
Defined benefits for accidental death and permanent disability — valid in conflict environments where standard insurers decline to operate.
Eligible sickness and accidental injury medical expenses covered, with case coordination through NGS where local facilities are inadequate.
If local treatment is not sufficient, medical evacuation or repatriation can be arranged in line with the policy terms — not just recommended.
Direct access to Northcott Global Solutions — an operational crisis response team with genuine on-the-ground capability — at any hour.
All policies are 100% reinsured by Lloyd's of London — the specialist insurance market trusted for complex, high-risk and unconventional risks worldwide.
Eligible personal accident benefits can continue after you leave Ukraine, subject to policy terms. Your policy does not stop at the border.
Can you get insurance for Ukraine?
Conflict Cover is designed for people and organisations working or travelling in Ukraine, including higher-risk and conflict-affected areas. It is suitable for:
Regional relevance
People rarely search for "Ukraine" alone — they search for where they are actually going. Conflict Cover is written for work and travel across the whole country, including:
Cover depends on accurate disclosure of where people are going and what they will be doing.
What happens if something goes wrong?
If there is a medical emergency or serious incident in Ukraine, Northcott Global Solutions can be contacted 24/7. They are an operational crisis response team — not a call centre.
They can help assess the situation, coordinate treatment, support evacuation where required, and manage the case through to a safer outcome.
"This is one of the key differences between specialist high-risk cover and ordinary travel insurance."
24/7 availability
The NGS team can be reached around the clock — weekends, public holidays, and in the middle of a fast-moving situation.
Medical coordination
From identifying appropriate local care to arranging full medical evacuation, NGS manages the process from the first call.
Team deployments
Managing cover for a team in Ukraine? NGS can coordinate support for multiple individuals across different locations simultaneously.
Each city has its own risk profile. Select a location to see what cover looks like on the ground.
Capital and administrative centre
Ongoing conflict exposure, infrastructure attacks, high operational activity.
View city pageFrontline proximity, active conflict risk
Ukraine's second city, within range of sustained cross-border attacks.
View city pageWestern hub, lower but present risk
Key logistics and coordination base for NGOs and commercial teams.
View city pageStrategic port city, periodic attacks
Critical trade and logistics hub with rapidly changing security conditions.
View city pageEastern base near active conflict zones
Functioning city used as a staging point for operations further east.
View city pageCritical infrastructure adjacent
High-sensitivity location due to proximity to the nuclear facility and active front.
View city pageSouthern Ukraine, conflict-affected
Key operational city in southern Ukraine with ongoing humanitarian and commercial activity.
View city pageDonbas administrative centre
Main operational and administrative hub in eastern Ukraine, close to active frontlines.
View city pageContinuity of cover
If you are injured while covered, eligible personal accident benefits can continue after you return to your country of domicile, subject to the policy terms.
That matters. Many policies stop at the point you leave the country where the incident happened. Ours does not.
Be clear about exclusions
Conflict Cover does not include:
Cover not included
Activity exclusions
Property exclusions
This policy is designed to protect people, not possessions.
These would need to be arranged separately if required. We are transparent about this so buyers know exactly what they have — and what they may still need.
Threat intelligence
For a deeper understanding of the current situation, including operational risks and regional dynamics, see our threat intelligence hub.
Ukraine FAQs
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