EUROINS Ukraine: The Insurance Partner Behind Insurance Ukraine Policies

Quick answer

If you are buying insurance for a trip to Ukraine from abroad, it is reasonable to ask who actually stands behind the policy. This page answers that question for Insurance Ukraine: who the insurer is, how it is regulated, what it offers foreign visitors, how a claim works, and where you can check all of it yourself.

What is EUROINS Ukraine?

EUROINS Ukraine is the common English name of Private Joint Stock Company “Insurance Company “Euroins Ukraine” (in Ukrainian, ПрАТ «СК «Євроінс Україна»). It is a universal non-life insurer serving both individuals and businesses, with motor, health, travel, property, cargo and accident insurance among its main lines.

Since 2016 the company has been part of Euroins Insurance Group (EIG), one of the larger independent insurance groups in Central, Eastern and South-Eastern Europe. EIG in turn belongs to the Eurohold Bulgaria holding.

Key facts about EUROINS Ukraine

Is EUROINS Ukraine a reliable insurer?

Rather than rely on marketing language — ours included — it is better to look at facts you can check. For an insurer these are its regulatory status, how long it has operated, whether it publishes its financial statements, and who reinsures its larger risks.

• More than 30 years of operation: EUROINS Ukraine has worked in the Ukrainian insurance market since 1992.
• Supervised by the National Bank of Ukraine: the company is registered under EDRPOU code 22868348, and the NBU publishes information about it, including its ownership structure.
• A published insurance licence: the licence and the rules for each type of insurance are available in the client information section of the insurer's website.
• Published financial statements: EUROINS Ukraine publishes its quarterly and annual financial statements and its regulated issuer information.
• Reinsurance with SCOR: the company names SCOR, one of the largest European reinsurers, as its reinsurance partner, and lists SCOR's financial-strength ratings as A (Excellent) from AM Best, A1 from Moody's and A+ from Standard & Poor's.

None of this replaces reading your own policy. It does tell you that the company behind it is established, supervised and open about its finances.

What insurance does EUROINS Ukraine offer foreign visitors?

EUROINS Ukraine sells many kinds of non-life insurance. For people travelling to Ukraine, three matter most.

Medical insurance for foreign visitors

The policies sold through Insurance Ukraine are voluntary medical expenses insurance under EUROINS Ukraine's “Brave” programme. They cover eligible emergency medical care for foreign visitors during the insured period in Ukraine — a policy written for this destination, rather than a general travel policy that may treat the country as an exception. The insurer also publishes separate health-insurance products for foreign citizens living in Ukraine.

Cover for longer stays

Visitors staying for months rather than days — students, volunteers, business travellers, family visitors — can choose a longer policy period, as long as it covers the whole stay.

War risks

Both plans sold through Insurance Ukraine include passive war-risk cover: unintentional injuries caused by military events during your trip are within the scope of the policy, subject to its terms, limits and exclusions. Active participation in hostilities is not covered. Protection against radiation and radioactive contamination is a separate paid add-on.

Who actually insures your Insurance Ukraine policy?

Insurance Ukraine and EUROINS Ukraine are two different companies with two different roles.

How the purchase works

• You enter your personal and travel details online.
• You choose the plan and the policy period.
• Insurance Ukraine processes the application.
• EUROINS Ukraine issues the policy.
• Your policy documents name the insurer, the policy number, the cover and the terms that apply.
• If an insured event happens, the insurer handles the claim under the policy terms, through the assistance and claims contacts printed in your policy.

More about the company behind the service is in our page on LLC “WELCOME TO UKRAINE”.

• LLC “WELCOME TO UKRAINE” — company information and USREOU 44559356

Why the insurer behind your policy matters

When you buy insurance online, the name of the website is not the only thing that counts. Before you pay, you should be able to answer these questions:

• Who actually issues the policy?
• Is that insurer licensed and supervised?
• Who assesses a claim, and who pays it?
• Which medical expenses are covered, and up to what limit?
• Are war-related risks included?
• Which exclusions apply?
• Where can the insurer be checked independently?

For a policy bought through Insurance Ukraine, each of these can be answered from the policy documents and from the insurer's public regulatory information. That matters most for international visitors, who are often buying Ukrainian insurance from outside the country.

How to verify EUROINS Ukraine yourself

You do not have to take an intermediary's word for any of this. Ukraine publishes information about insurers openly, and the EDRPOU code 22868348 identifies EUROINS Ukraine uniquely.

1. Check the National Bank of Ukraine

The National Bank of Ukraine supervises the insurance market. Search its registers by the EDRPOU code 22868348 rather than by name — a name search can return similar companies, a code search returns exactly one. The NBU also publishes the insurer's ownership structure.

• National Bank of Ukraine — EUROINS Ukraine ownership structure (EDRPOU 22868348)
• National Bank of Ukraine — search the register of financial institutions

2. Check the insurer's own website

EUROINS Ukraine publishes its company information, licence, insurance rules, financial statements and contact details on its official website.

• EUROINS Ukraine — official website
• EUROINS Ukraine — information for clients (licence, rules, financial statements)
• EUROINS Ukraine — public and financial information

How does a claim work?

If you need your insurance during the trip, the most important thing is to follow the procedure in your policy.

1. Call the assistance service first

Use the 24/7 assistance number printed in your policy and report what happened. The operator will direct you to a suitable medical facility and explain the next steps.

2. Provide the information requested

• your policy number;
• your identification details;
• medical or other supporting documents;
• a description of what happened;
• invoices, receipts or other documents the policy asks for.

3. Assessment and payment

The claim is assessed under the insurance contract, its limits and exclusions, and Ukrainian insurance law. If it is covered, the insurer pays according to the policy terms.

4. Keep your documents

Keep your policy, receipts, medical records and any other evidence until the claim is fully settled.

Who pays a claim: Insurance Ukraine or EUROINS Ukraine?

The insurer. EUROINS Ukraine assesses covered claims and pays them under the terms of your policy. Insurance Ukraine is the agent and online service: it can help you communicate with the insurer, explain the process and point you to the right contact, but the insurance contract is what defines the insurer's obligations, the cover, the exclusions and the conditions of payment.

Is a policy bought through Insurance Ukraine an official EUROINS policy?

Yes. The policy you receive is issued by Private Joint Stock Company “Insurance Company “Euroins Ukraine”. The document states:

• the insurer;
• the policy number;
• the insured person;
• the insurance period;
• the cover and its limits;
• the exclusions;
• the assistance and claims contacts.

Always read the specific policy wording rather than assuming that every kind of event is covered. What a policy covers depends on its own terms and conditions.

What to check before buying Ukraine travel insurance

Choosing the insurer is only part of the decision. Before you buy, check:

• Coverage amount: the sum insured meets your needs and any entry or visa requirements.
• Policy dates: the policy covers your entire stay, including the days you arrive and leave.
• Medical cover: which emergency medical expenses are included, and any limits on them.
• War risks: what the policy says about military events.
• Exclusions: two policies with similar headline cover can have very different terms.
• Claims procedure: save the assistance and claims contacts before you travel.
• Insurer identity: you know the legal name of the company that underwrites your policy.

Why insurance transparency matters

Travelling to Ukraine takes more preparation than most trips, and you should be able to identify the company behind your policy and check its regulatory status yourself. A transparent insurance service tells you who the intermediary is, who the insurer is, where the insurer is registered and how it is regulated, how claims are handled, and what the policy covers and excludes.

For policies bought through Insurance Ukraine the relationship is simple: Insurance Ukraine provides the online service and agent support, and EUROINS Ukraine underwrites the policy.

Need insurance for your trip to Ukraine?

If you are planning a visit and need travel or medical insurance, choose your dates, review the cover and the policy conditions, and receive your policy by email as a PDF after payment.

About this page

This page explains who underwrites the policies sold through Insurance Ukraine and where that can be checked. Insurance products, cover limits, availability and policy conditions can change, so always read the terms of your specific policy before you buy.