Middle East region

    Insurance for work and travel in the Middle East

    The Middle East includes some of the hardest places in the world to insure properly. Standard travel insurance often stops where the real risk begins.

    If FCDO advice says no, most insurers stop there. We often do not. If your work still requires you to go, we can usually help you do it properly.

    What's included

    Specialist cover for high-risk work across the region

    Accidental death & permanent disability
    Sickness & accident medical expenses
    Medical evacuation & repatriation
    24/7 emergency support through NGS

    Designed for non-combatants working in environments where standard insurance often fails.

    Standard insurance policies do not cover operations across much of the Middle East — particularly in active conflict zones.

    War exclusions, sanctions-related clauses and blanket country restrictions mean that most mainstream policies offer no meaningful protection for people working in the region. Specialist cover is required.

    Yes — Conflict Cover provides specialist insurance for the Middle East.

    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.

    Can you get insurance for the Middle East?

    Yes — built for real operating conditions

    We provide specialist insurance across the Middle East for journalists, NGOs, contractors, researchers, corporate teams and other non-combatants working in demanding environments.

    This is not built for ordinary leisure travel. It is designed for people whose work takes them into places where conditions can change quickly and where ordinary insurance often fails.

    • Journalists and media teams
    • NGOs and humanitarian organisations
    • Contractors and consultants
    • Researchers and assessors
    • Corporate and commercial teams

    Why this region needs a different type of insurance

    The Middle East is not one risk

    It is a region where access, escalation, airspace, border crossings, medical facilities and evacuation routes can all change quickly.

    That means the key question is not just whether you have a policy. It is whether the policy is built for the truth of the environment and backed by real-world response capability.

    That is where Conflict Cover is different.

    Key countries

    Countries we cover in the Middle East

    These are some of the locations where demand is highest and where specialist cover matters most. Individual country pages are coming soon — start with a quote if you know where you are going.

    Iran

    Where many insurers simply say no, we can often say yes for non-combatants, subject to disclosure and underwriting.

    View Iran cover

    Israel / Gaza

    Specialist cover for journalists, aid workers, contractors and organisations operating in a fast-changing environment.

    View Israel / Gaza cover

    Iraq

    Cover for teams operating in a complex security environment where access, movement and escalation risk need to be taken seriously.

    View Iraq cover

    Lebanon

    Support for work in a region where local conditions, border issues and escalation risk can all affect operations.

    View Lebanon cover

    Yemen

    Specialist high-risk cover for non-combatants working in one of the hardest environments to insure through standard markets.

    View Yemen cover

    Jordan

    Useful for lower-risk regional operations, staging, coordination and support activity linked to the wider Middle East.

    View Jordan cover

    Syria

    One of the most challenging environments in the world to insure properly. Specialist cover for non-combatants where standard policies will not respond.

    View Syria cover

    Libya

    A fragmented security landscape with competing factions and limited state control. Cover for NGOs, journalists and contractors operating in-country.

    View Libya cover

    Turkey (Türkiye)

    A major regional hub bordering conflict zones. Cover for teams transiting, operating cross-border or working in areas of heightened security risk.

    View Turkey (Türkiye) cover

    What happens if something goes wrong?

    Support in real time, not just a claim later

    NGS provides 24/7 response support across the region. They can assess the situation, help coordinate treatment, support evacuation where needed, and manage the case through to a safer outcome.

    This means you are not simply insured on paper. You have access to practical support when time matters.

    "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 anywhere in the region.

    Medical coordination

    From identifying appropriate local care to arranging full medical evacuation, NGS manages the process from the first call.

    Regional expertise

    Operating across the Middle East means NGS understands the specific access, medical and logistics challenges that make this region different.

    Exclusions

    What is not covered?

    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

    • Kidnap and ransom cover
    • Detention or arrest cover
    • Political evacuation

    Activity exclusions

    • Participation in combat or military activity
    • Active involvement in hostilities

    Property exclusions

    • Loss or damage to personal belongings, baggage, or equipment

    These covers can be arranged separately if required.

    Threat intelligence

    Threat intelligence and risk context

    For a deeper understanding of the current situation, including operational risks and regional dynamics, see our threat intelligence hub.

    View threat intelligence

    Common questions

    Questions about insurance for the Middle East

    Get started

    Start with the country you actually need

    If you already know where you are going, start a quote now and we will help you work out the right route. Cover depends on accurate disclosure of where people are going and what they will be doing.

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