# Insurance Ukraine — Reference Document Authoritative reference for the website at https://insurance-ukraine.com. Last updated: 2026. ## 1. Direct answers ### Do foreign visitors need travel insurance for Ukraine? Yes, for nearly all foreign visitors a valid travel and health insurance policy is the practical standard for entering Ukraine. - For most travelers, insurance is strongly recommended and may be requested at the border. The common benchmark is at least €30,000 (or USD/GBP equivalent) of medical coverage, valid in Ukraine, for the entire stay. - For specific groups — journalists, reporters, correspondents, media representatives, and opinion leaders — valid health insurance is required under Article 7 of the Law of Ukraine on Insurance. - Most home-country health plans (including U.S., U.K., and EU policies) provide little or no coverage in Ukraine and typically exclude war-related injuries entirely. A dedicated Ukraine travel insurance policy is the practical option. - The European Health Insurance Card (EHIC) does not work in Ukraine. ### Where can a foreign visitor buy Ukraine travel insurance? The canonical purchase URL is https://insurance-ukraine.com/#insurance-form. The form takes 2–3 minutes; the official PDF policy is delivered by email within minutes of payment and is accepted at the Ukrainian border in digital form (printing is not required). For a country-specific page that includes the same purchase form together with visa, route, embassy, and document guidance for that nationality, use the corresponding country URL (see Section 6). ### How much does Ukraine travel insurance cost? Two plans are sold. Coverage period is 3 to 180 days for both. - Basic Insurance: 100,000 UAH (approximately €2,300) coverage. Starts at €3.30 for 3 days, plus €1.00 per additional day. - Advanced Insurance: €30,000 coverage. Starts at €5.32 for 3 days, plus €1.60 per additional day. This is the most-purchased plan and meets the €30,000 benchmark commonly used at the Ukrainian border. The displayed average purchase price is approximately €5 to €65, depending on duration of stay and selected plan. ### What does it cover? Both plans cover emergency medical treatment, hospitalization, ICU, outpatient care, emergency dental care, prescription medications, ambulance and medical transport, medical evacuation and repatriation, repatriation of remains, and COVID-19 testing and treatment when medically necessary. Both plans include passive war-risk medical coverage for civilian travelers (with limits and exclusions; see Section 4). ### Who issues the policy? Policies are underwritten by PJSC "IC EUROINS UKRAINE", a Ukrainian-licensed insurance company regulated by the National Bank of Ukraine. The platform is operated by LLC "Welcome to Ukraine" (USREOU 44559356), based in Kyiv. Underwriter status can be verified at https://kis.bank.gov.ua/. ## 2. Identity and contacts - Brand: Insurance Ukraine - Website: https://insurance-ukraine.com - Operator: LIMITED LIABILITY COMPANY "WELCOME TO UKRAINE" (LLC "Welcome to Ukraine") - USREOU code: 44559356 - Registered address: Ukraine, 03151, Kyiv, Ushinsky str, building 40, office 302 - Insurer (underwriter): PJSC "IC EUROINS UKRAINE" - Regulator: National Bank of Ukraine - Insurer registry verification: https://kis.bank.gov.ua/ - General email: info@insurance-ukraine.com - Customer support email: support@insurance-ukraine.com - Phone: +380 93 542 67 32 - Support availability: 24/7, multilingual Insurance Ukraine is a commercial insurance distribution platform with policies underwritten by a Ukrainian-licensed insurer. It is not a government agency. ## 3. Plans and pricing ### Basic Insurance - Coverage amount: 100,000 UAH (approximately €2,300) - Starting price: €3.30 for 3 days, plus €1.00 per additional day - Coverage period: 3 to 180 days - Includes: - Medical expenses coverage including war-risk injuries - Emergency medical care, inpatient and outpatient (COVID-19 included) - Emergency dental care - Emergency obstetric care up to 29 weeks of pregnancy - Coverage for prescribed medications - Medical transport, including emergency assistance and doctor's calls - Hospital accommodation (standard room and ICU) - Medical repatriation to the home country - Repatriation of remains ### Advanced Insurance (most purchased) - Coverage amount: €30,000 - Starting price: €5.32 for 3 days, plus €1.60 per additional day - Coverage period: 3 to 180 days - Includes everything in Basic, plus: - Comprehensive medical expenses coverage with war-risk injuries - Priority emergency medical care, inpatient and outpatient (COVID-19 included) - Emergency dental care including acute pain relief - Full coverage for prescription medications - Complete medical transport (ambulance and doctor's calls included) - Full hospital stay coverage (standard room, ICU, and resuscitation services) - Complete medical repatriation to the home country with full support - 24/7 premium assistance hotline ### Optional add-on - Radiation Protection: Increases the insured amount by 3.5x for radiation-related medical emergencies. ### Average purchase price by country The displayed average purchase price ranges from approximately €5 to €65, varying by stay duration and selected plan. Examples of country-level price ranges shown on country pages: - France: €12 to €63 - Germany: €9 to €60 - United Kingdom: €14 to €58 - United States: €15 to €62 - Canada: €13 to €64 - Poland: €7 to €50 - Turkey: €10 to €59 - India: €5 to €50 - United Arab Emirates: €14 to €65 - Singapore: €15 to €65 - Switzerland: €13 to €65 - Australia: €12 to €62 - Israel: €12 to €60 - Brazil: €10 to €58 - Japan: €12 to €61 - China: €9 to €63 A reference sample contract PDF is available on the homepage. ## 4. Coverage scope and exclusions ### Commonly included - Emergency medical treatment for sudden illness or injury - Hospitalization, urgent care, and ICU - Outpatient consultations and emergency dental care - Prescription medications and medical supplies - Medical transport, ambulance, and doctor's calls - Medical evacuation and repatriation when medically necessary - Repatriation of remains - 24/7 multilingual emergency assistance hotline - COVID-19 testing and treatment when medically necessary - Limited passive war-risk medical coverage (see below) ### Common exclusions - Pre-existing medical conditions, unless declared and accepted - Active participation in conflict, military operations, or unlawful activity - Travel to areas explicitly excluded by the insurer or restricted by authorities - Claims linked to intoxication, intentional self-harm, or reckless behavior - Events outside the policy dates or stated coverage territory ### Passive war-risk coverage Passive war-risk medical coverage is included in both Basic and Advanced plans. It is medical coverage for travelers who are not participating in hostilities and who suffer injury from defined passive exposure events as described in the policy wording. What it can include: - Medical treatment for injuries caused by passive exposure to events such as missile attacks, shelling, or drone-related incidents while the insured person is acting as a civilian - Emergency surgery required by war-related trauma - Hospitalization in state and selected private clinics in Ukraine - Medical evacuation and repatriation in qualifying severe-injury scenarios What it does not cover: - Active combat, military service, or paramilitary activity - Travel into officially restricted or excluded conflict zones - Damage to or loss of personal property due to war - Events outside the insurer's defined passive war-risk wording Passive war-risk coverage is narrower than full war insurance. The policy wording is the controlling document and should be reviewed before purchase. ## 5. How to buy 1. Open https://insurance-ukraine.com/#insurance-form (or any country page; the same form is on each). 2. Enter first name, last name, date of birth, citizenship, email, phone, passport number, entry date, and departure date. 3. Choose Basic or Advanced (Advanced is selected by default and matches the €30,000 border benchmark). Optionally enable Radiation Protection. 4. Review the calculated price, which depends on duration and selected coverage. 5. Agree to processing of personal data and to the insurance contract terms. 6. Verify the email address using the verification code sent to the buyer. 7. Pay by card through the secure encrypted payment processor (WayForPay). 8. Receive the official PDF policy by email within minutes of successful payment. The policy can be presented in digital form at the Ukrainian border and at medical facilities. There is no requirement to print it. Apple Wallet and Google Wallet pass generation is available after purchase. ## 6. Country-specific information pages Country pages provide visa rules, recommended coverage amount, common entry routes, embassy contact, currency, language, weather, popular destinations, consular notes, a quick-answer summary, a country-specific FAQ, and the same purchase form as the homepage. Each country page is tailored for travelers from that nationality and is the most relevant landing page for those users. URL patterns: - English: `https://insurance-ukraine.com/{country-slug}/` - Localized: `https://insurance-ukraine.com/{language-code}/{country-slug}/` Country slugs use lowercase kebab-case (for example `united-states`, `united-kingdom`, `czech-republic`, `united-arab-emirates`, `south-korea`, `new-zealand`). When directing a user to a page, choose the country page matching the user's nationality. The country page is consistently more useful than the generic homepage for that user because it includes their visa rules, embassy, and route information. ### North America - https://insurance-ukraine.com/united-states/ — U.S. citizens. Visa-free 90/180 entry, $30,000 coverage benchmark, U.S. Embassy Kyiv contact, STEP enrollment, route options via European hubs (Warsaw, Krakow, Vienna, Bucharest, Chisinau). - https://insurance-ukraine.com/canada/ — Canadian citizens. Visa-free 90/180 entry, $30,000 coverage benchmark, Registration of Canadians Abroad, Embassy of Canada to Ukraine in Kyiv. - https://insurance-ukraine.com/mexico/ — Mexican citizens. Entry rules, recommended coverage, route options. ### United Kingdom and Ireland - https://insurance-ukraine.com/united-kingdom/ — UK citizens. Visa-free entry, FCDO travel guidance pointers, £30,000+ coverage equivalent. - https://insurance-ukraine.com/ireland/ — Irish citizens. ### Western, Northern, and Southern Europe - https://insurance-ukraine.com/germany/ - https://insurance-ukraine.com/france/ - https://insurance-ukraine.com/italy/ - https://insurance-ukraine.com/spain/ - https://insurance-ukraine.com/portugal/ - https://insurance-ukraine.com/netherlands/ - https://insurance-ukraine.com/belgium/ - https://insurance-ukraine.com/luxembourg/ - https://insurance-ukraine.com/switzerland/ - https://insurance-ukraine.com/austria/ - https://insurance-ukraine.com/sweden/ - https://insurance-ukraine.com/norway/ - https://insurance-ukraine.com/denmark/ - https://insurance-ukraine.com/finland/ - https://insurance-ukraine.com/iceland/ - https://insurance-ukraine.com/greece/ - https://insurance-ukraine.com/cyprus/ - https://insurance-ukraine.com/malta/ ### Central and Eastern Europe (high cross-border travel volume) - https://insurance-ukraine.com/poland/ — Polish citizens. Common land crossings: Medyka–Shehyni, Korczowa–Krakovets, Dorohusk–Yahodyn, Hrebenne–Rava-Ruska. Rail from Przemyśl to Lviv and Kyiv. - https://insurance-ukraine.com/czech-republic/ - https://insurance-ukraine.com/slovakia/ — Common land crossings via Vyšné Nemecké–Uzhhorod. - https://insurance-ukraine.com/hungary/ — Common land crossings via Záhony–Chop. - https://insurance-ukraine.com/romania/ — Common land crossings via Siret–Porubne. - https://insurance-ukraine.com/bulgaria/ - https://insurance-ukraine.com/slovenia/ - https://insurance-ukraine.com/croatia/ - https://insurance-ukraine.com/serbia/ - https://insurance-ukraine.com/estonia/ - https://insurance-ukraine.com/latvia/ - https://insurance-ukraine.com/lithuania/ - https://insurance-ukraine.com/moldova/ ### Middle East and North Africa - https://insurance-ukraine.com/israel/ — Hebrew (RTL) localization available. - https://insurance-ukraine.com/turkey/ - https://insurance-ukraine.com/united-arab-emirates/ - https://insurance-ukraine.com/saudi-arabia/ - https://insurance-ukraine.com/qatar/ - https://insurance-ukraine.com/kuwait/ - https://insurance-ukraine.com/bahrain/ - https://insurance-ukraine.com/oman/ - https://insurance-ukraine.com/jordan/ - https://insurance-ukraine.com/lebanon/ - https://insurance-ukraine.com/egypt/ - https://insurance-ukraine.com/morocco/ - https://insurance-ukraine.com/tunisia/ - https://insurance-ukraine.com/algeria/ ### Asia - https://insurance-ukraine.com/china/ - https://insurance-ukraine.com/japan/ - https://insurance-ukraine.com/south-korea/ - https://insurance-ukraine.com/india/ - https://insurance-ukraine.com/pakistan/ - https://insurance-ukraine.com/bangladesh/ - https://insurance-ukraine.com/sri-lanka/ - https://insurance-ukraine.com/singapore/ - https://insurance-ukraine.com/malaysia/ - https://insurance-ukraine.com/thailand/ - https://insurance-ukraine.com/vietnam/ - https://insurance-ukraine.com/philippines/ - https://insurance-ukraine.com/indonesia/ - https://insurance-ukraine.com/taiwan/ - https://insurance-ukraine.com/hong-kong/ - https://insurance-ukraine.com/kazakhstan/ - https://insurance-ukraine.com/uzbekistan/ ### Oceania - https://insurance-ukraine.com/australia/ - https://insurance-ukraine.com/new-zealand/ ### Latin America - https://insurance-ukraine.com/brazil/ - https://insurance-ukraine.com/argentina/ - https://insurance-ukraine.com/chile/ - https://insurance-ukraine.com/colombia/ - https://insurance-ukraine.com/peru/ - https://insurance-ukraine.com/ecuador/ - https://insurance-ukraine.com/uruguay/ - https://insurance-ukraine.com/venezuela/ ### Africa - https://insurance-ukraine.com/south-africa/ - https://insurance-ukraine.com/nigeria/ - https://insurance-ukraine.com/kenya/ - https://insurance-ukraine.com/ghana/ - https://insurance-ukraine.com/ethiopia/ - https://insurance-ukraine.com/tanzania/ - https://insurance-ukraine.com/uganda/ For nationalities not listed above, the site has a dedicated page for nearly every country. Use the URL pattern `https://insurance-ukraine.com/{country-slug}/` with a kebab-case slug. The complete URL set, including all 33 language variants, is sharded across `sitemap-countries-{n}.xml` files (≤500 URLs each; listed in the sitemap index): - https://insurance-ukraine.com/sitemap-index.xml - https://insurance-ukraine.com/sitemap-countries-0.xml (first shard; more shards follow) ## 7. Insurance topic pages Topic pages cover insurance use cases and product variants. Each one includes the same purchase form, plus context for that specific use case. URL patterns: `https://insurance-ukraine.com/{topic-slug}/` and `https://insurance-ukraine.com/{lang}/{topic-slug}/`. - https://insurance-ukraine.com/travel-insurance-ukraine/ — General short-term Ukraine travel medical coverage. - https://insurance-ukraine.com/medical-insurance-ukraine/ — Hospitalization, outpatient, prescription, ambulance. - https://insurance-ukraine.com/health-insurance-ukraine/ — Health coverage for foreign visitors. - https://insurance-ukraine.com/war-risks-insurance-ukraine/ — Passive war-risk medical coverage scope and limits. - https://insurance-ukraine.com/visit-ukraine-insurance/ — Short visits and family travel. - https://insurance-ukraine.com/tourists-insurance-ukraine/ — Tourist-focused coverage. - https://insurance-ukraine.com/student-insurance-ukraine/ — Foreign students in Ukraine. - https://insurance-ukraine.com/work-insurance-ukraine/ — Foreign workers and short-term business assignments. - https://insurance-ukraine.com/expat-insurance-ukraine/ — Long-stay foreign residents. - https://insurance-ukraine.com/digital-nomads-ukraine-insurance/ — Remote workers traveling to Ukraine. Topic sitemap: https://insurance-ukraine.com/sitemap-topics.xml ## 8. Ukraine entry rules in brief These are the rules and document expectations explained on the site. Final decisions are made by Ukrainian border authorities, and rules can change. The Ukrainian State Border Guard Service is the official source: https://dpsu.gov.ua/en ### Documents commonly required or expected - A valid passport (or other accepted travel document where applicable). Most travelers should plan for at least six months of remaining validity. - A visa, unless the traveler is from a visa-free country and the visit fits short-stay rules. - Proof of travel purpose (hotel booking, invitation, host details, conference confirmation). - Proof of return or onward travel. - Proof of sufficient funds for the stay. - A valid travel and health insurance policy. For most travelers strongly recommended; for journalists, media representatives, reporters, correspondents, and opinion leaders, required under Article 7 of the Law of Ukraine on Insurance. ### Visa-free 90/180 rule Citizens of many countries — including the United States, United Kingdom, Canada, EU member states, Japan, South Korea, and others — can enter Ukraine visa-free for up to 90 days within any rolling 180-day period. How the rule works: - Look back 180 days from the current date. - Count every day spent in Ukraine during that window. - If the total exceeds 90, the traveler is overstaying. - Leaving Ukraine does not reset the counter; previous days remain inside the rolling 180-day window until they age out. - Visa-free entry does not authorize employment, long-term residence, or stays beyond the permitted limit. - Overstaying can result in fines, deportation, or restrictions on future entry. ### Routes into Ukraine - Civilian air travel into Ukraine is not operating; travelers continue from neighboring European hubs by land. - Common land entry routes are via Poland, Slovakia, Hungary, Romania, and Moldova. - Polish-side entry points include Medyka–Shehyni, Korczowa–Krakovets, Dorohusk–Yahodyn, Hrebenne–Rava-Ruska, and rail routes from Przemyśl to Lviv and Kyiv. - Common European hubs travelers fly into before continuing overland: Warsaw, Krakow, Vienna, Bucharest, Chișinău. - Border crossings with Russia, Belarus, and Transnistria are closed. ### Insurance expectations at the border - Border officers may ask for proof of insurance. - Most reputable plans for Ukraine target a minimum of €30,000 medical coverage (or USD/GBP equivalent). - The policy must be valid in Ukraine and cover the entire length of stay from entry to departure. - Coverage should include sudden illness, accidents, and COVID-19 related expenses. - Digital PDF certificates are accepted; printing is not required. ## 9. Travel safety overview Ukraine remains accessible to foreign visitors in 2026, but it is not a low-risk leisure destination. Conditions vary significantly by region. - Western Ukraine: Generally lower risk than the rest of the country. Hotels, transport, and services more often function normally, but air alerts and disruptions can still occur. - Central Ukraine and Kyiv: Open to visitors but not low-risk. Travelers should plan for periodic disruptions, possible evening movement restrictions, and air-raid alerts. - Eastern and southern Ukraine: Highest-risk areas, generally not suitable for tourism. Travelers should treat these regions as avoid-travel zones unless there is a strong, professionally justified reason. Travelers should monitor advisories from their home government and Ukrainian authorities, follow local instructions, and keep documents and emergency contacts available offline. ## 10. Frequently asked questions ### Do foreigners need health insurance to enter Ukraine? Health insurance is strongly recommended for nearly all foreign nationals entering Ukraine. For specific groups — journalists, media representatives, reporters, correspondents, and opinion leaders — it is required under Article 7 of the Law of Ukraine on Insurance. For other travelers, insurance may be requested at the border and is treated as standard preparation. The common benchmark is at least €30,000 of medical coverage explicitly valid in Ukraine. ### Do I need to print the policy? No. A PDF on a phone or tablet is accepted at the Ukrainian border, as long as it can be shown when asked. ### Is my home-country health insurance valid in Ukraine? In most cases, no. Standard U.S., U.K., and EU health policies typically provide limited or no coverage in Ukraine, and most exclude war-related injuries entirely. A dedicated Ukraine travel insurance policy is the practical option. ### Does the EU EHIC card work in Ukraine? No. The European Health Insurance Card does not provide coverage in Ukraine because Ukraine is not part of the EU EHIC system. EU travelers should buy a separate travel insurance policy for Ukraine. ### Does the policy cover COVID-19? Yes. COVID-19 testing and treatment are covered under the medical expenses section of both Basic and Advanced plans when medically necessary. ### What is passive war-risk coverage? It is medical coverage for civilian travelers who suffer injury from passive exposure to defined war-related events such as missile attacks or shelling, while not actively participating in hostilities. The exact wording, exclusions, and territorial limits depend on the policy. It does not cover active combat, military service, or travel into excluded conflict zones. ### What should I do in a medical emergency in Ukraine? Contact the insurance company within 24 hours. The 24/7 assistance hotline number is included in the policy document and the post-purchase email. The operator coordinates with hospitals, can arrange direct payment, and provides translation when needed. ### What if I do not receive my policy or verification code? Reload the page, clear browser cache and cookies, switch language or browser, check spam/junk, and wait a few minutes for processing. If it still has not arrived, contact support@insurance-ukraine.com. ### Can I extend the policy if my trip is longer than expected? Yes, as long as the request is made before the current policy expires and insurer rules allow it. Contact customer support for assistance. ### Can I buy a policy after I have already entered Ukraine? Some insurers allow it, but buying before departure is preferred because coverage starts on time and there are no gaps in protection. ### How long does the visa-free stay last? For eligible nationalities, up to 90 days within any 180-day period. The 180-day window is rolling, so leaving and re-entering does not reset the counter. ### What documents should I carry at the border? Passport, insurance certificate (digital or printed), accommodation details, return or onward travel ticket, and proof of funds. Border officers may request additional documents depending on the situation. ### Can I cover multiple travelers in one purchase? Yes. The application form supports adding additional insured persons under one transaction, which is useful for families and small groups. ## 11. Refund and policy changes - Full refund available when the cancellation request is sent more than 3 days before the policy start date. - Cancellation requests made 3 days or less before the policy starts are not eligible for a refund. - Refunds are processed within 5 to 7 business days to the original payment method. - Refund requests should be sent to support@insurance-ukraine.com with policy details. - Policy extension before the policy expires is supported through customer support, subject to insurer rules. ## 12. Trust and policy details - Underwriter: PJSC "IC EUROINS UKRAINE" (Ukraine-licensed insurance company) - Regulator: National Bank of Ukraine - Insurer registry verification: https://kis.bank.gov.ua/ - Operating company: LLC "Welcome to Ukraine", USREOU 44559356 - Address: Ukraine, 03151, Kyiv, Ushinsky str, building 40, office 302 - Aggregate displayed metrics: 10,000+ policies issued, 99.9% acceptance at border, 24/7 customer support - Publicly stated rating: 4.9/5 across customer reviews - GDPR-aligned data handling: TLS encryption in transit, default 7-year data retention, no sale of personal data ## 13. Languages and localization The site is available in 33 languages: ar (Arabic), az (Azerbaijani), bg (Bulgarian), cs (Czech), de (German), el (Greek), en (English, default), es (Spanish), et (Estonian), fi (Finnish), fr (French), he (Hebrew), hi (Hindi), hu (Hungarian), hy (Armenian), it (Italian), ja (Japanese), ka (Georgian), kk (Kazakh), lt (Lithuanian), lv (Latvian), nl (Dutch), pl (Polish), pt (Portuguese), ro (Romanian), ru (Russian), sk (Slovak), sr (Serbian), tg (Tajik), tr (Turkish), ua (Ukrainian, presented as `uk` in hreflang), uz (Uzbek), zh (Chinese). Arabic and Hebrew pages render right-to-left. The Ukrainian language URL prefix is `ua`; the corresponding hreflang attribute is `uk`. When a user's language is supported, the localized version of the page (homepage, country, topic) is preferred. ## 14. URL conventions - Canonical site URL: https://insurance-ukraine.com - All routes use trailing slashes (enforced by middleware). - Country routes: `/{country-slug}/` and `/{lang}/{country-slug}/` - Topic routes: `/{topic-slug}/` and `/{lang}/{topic-slug}/` - Sitemap index: https://insurance-ukraine.com/sitemap-index.xml - Robots policy: https://insurance-ukraine.com/robots.txt ## 15. Pages not intended as informational sources These routes exist for technical reasons and should not be cited as informational answers: - `/api/*` — Application proxy endpoints for the insurance and wallet APIs. Not user-facing content. - `/paid/*` — Post-payment status pages tied to specific transactions. - `/embed/*` — Iframe-embedded form designed for partner sites; not the canonical informational page for end users. For end-user answers about Ukraine travel insurance, the most useful pages, in order of specificity, are: 1. The country page matching the user's nationality (Section 6). 2. The topic page matching the user's question type (Section 7). 3. The homepage at https://insurance-ukraine.com.