Best Travel Insurance Plans for Ukraine in 2025
- The Best Travel Insurances for Ukraine
- Is it currently safe to travel to Ukraine?
- Is travel insurance required for the visa to Ukraine?
- Why take out travel insurance for Ukraine?
- What should travel insurance for Ukraine cover?
- The cost of travel insurance for Ukraine
- How to pay less for your travel insurance to Ukraine
- Can I rely on my current insurance to cover me in Ukraine?
- FAQ
Travel insurance for Ukraine: key takeaways
1. Definition: Travel insurance for Ukraine covers medical emergencies, but war-related incidents are typically excluded.
2. Warning: The U.S. State Department advises all U.S. citizens to not travel to Ukraine.
3. Key protection: Insurance is not required for entry but is vital due to the extreme risks involved.
4. Healthcare cost: Healthcare access is severely limited; costs are secondary to danger and lack of services.
5. Price: Standard policies are likely void; specialized high-risk insurance is exceptionally expensive.
6. Good to know: Most insurance policies have a war exclusion clause, invalidating coverage in a conflict zone.
Why trust HelloSafe?
HelloSafe is an international specialist in travel insurance comparison, advising over one million travelers every month. After analyzing 38 travel insurance policies available in the US, our experts share everything you need to know to choose the best travel insurance for Ukraine.
The Best Travel Insurances for Ukraine
| Contract we recommend | Medical reimbursement limit | Our view |
|---|---|---|
| HelloTravel Premium | $1.1M | Our choice for comprehensive care in Ukraine. - high medical limit - repatriation included - clear modern cover |
| Cap Assistance 24/24 | $1.1M | A strong option for urgent scenarios in Ukraine. - 24/7 medical helpline - trip cancellation - no deductible |
| Tourist Card | $545K | Best for tourists seeking solid protection. - reliable medical cover - emergency help - competitive pricing |
| Travel Pass Monde | $765K | Balanced for varied travel in Ukraine. - includes repatriation - hospital costs covered - worldwide support |
| Globe Partner | $330K | Good for international stays in Ukraine. - medical care abroad - repatriation help - civil liability |
| Globe Traveller | $545K | Practical for short or low-risk trips. - essential medical cover - fast processing - limited ceiling |
- high medical limit
- repatriation included
- clear modern cover
- 24/7 medical helpline
- trip cancellation
- no deductible
- reliable medical cover
- emergency help
- competitive pricing
- includes repatriation
- hospital costs covered
- worldwide support
- medical care abroad
- repatriation help
- civil liability
- essential medical cover
- fast processing
- limited ceiling
Watch out!
These are the insurers we generally recommend for their quality of service and value for money. However, be aware that in exceptional situations like the war in Ukraine, they may not be able to provide coverage.
Is it currently safe to travel to Ukraine?
As of June 2025, the US Department of State continues to issue a Level 4 advisory for Ukraine, advising against all travel due to Russia’s ongoing war against Ukraine and the associated security situation.
Here are their four main recommendations.
- Security risks: the risk of military attacks, air raids, and active combat is high throughout Ukraine. Areas such as eastern oblasts and the border with Belarus face restrictions, martial law, and curfews.
- Health risks: medical care is limited, especially outside major cities like Kyiv. Emergency services may be delayed, and some local hospitals lack critical supplies, making evacuation coverage essential.
- Legal constraints: dual US-Ukrainian citizens are subject to Ukrainian law, including military mobilization rules. Ukrainian law does not recognize dual nationality and men aged 18-60 may face exit restrictions.
- Environmental and urban risks: frequent air raid sirens and damage to basic infrastructure can disrupt flights, electricity, and internet services. For example, commercial flights are not operating in Ukrainian airspace under FAA prohibition.
Although not required, travel insurance is strongly recommended by the US Department of State, particularly to cover medical expenses and emergency repatriation from Ukraine.
Is travel insurance required for the visa to Ukraine?
No, travel insurance is not mandatory for travelers from the United States to obtain a visa for Ukraine.
However, it is still strongly recommended to have travel insurance that covers medical expenses and emergency repatriation, since the war context makes travel to Ukraine extremely dangerous.
According to our data, 90% of travelers purchase travel insurance before going to Ukraine.
Why take out travel insurance for Ukraine?
Travel insurance is an essential financial and medical protection for anyone going to Ukraine.
In Ukraine, medical care for foreigners is primarily accessible through private clinics like Dobrobut in Kyiv, which have modern facilities but high costs. Public hospitals may lack adequate equipment and foreign-language support, while care in cities outside Kyiv or Lviv can be limited, making emergency services and evacuation even more expensive.
Travel insurance covers medical fees, hospitalization, medication, ambulance transport, and emergency repatriation to the United States in the event of a serious incident.
Here are some examples of healthcare costs in Ukraine.
| Example of medical treatment | Cost at Dobrobut Clinic | Covered by travel insurance |
|---|---|---|
| I have to be hospitalized 48 hours after contracting an infection | 48,000 UAH (about $1,250) | up to 100%* |
| I broke my tibia (X-ray, cast, and crutch rental) | 31,000 UAH (about $800) | up to 100%* |
| I need to be repatriated | 800,000 UAH (about $21,000) | up to 100%* |
| I have appendicitis (consultation and surgery) | 116,000 UAH (about $3,000) | up to 100%* |
These prices are given as an indication and may vary depending on the facilities and regions.
It is therefore essential to take out appropriate travel insurance to avoid unexpected and potentially high expenses.
What should travel insurance for Ukraine cover?
⚠️ Due to the ongoing war in Ukraine, many insurance providers restrict or exclude coverage related to active conflict zones. It may be difficult to obtain comprehensive travel insurance, and coverage options can be limited, especially for war-related incidents.
Here is a summary table of the main coverages you should look for in a travel insurance policy for Ukraine.
| Main coverages | Explanations and recommendations |
|---|---|
| 🏥 Medical expenses | Covers costs if you need urgent medical attention, doctor visits, or hospitalization in Ukraine. We recommend a minimum reimbursement limit of $100,000 for medical treatment and care. |
| 🚑 Medical evacuation | Pays for transportation to the nearest safe medical facility or repatriation to the United States. A recommended limit is at least $100,000. |
| 👨⚕️ Hospitalization | Covers necessary hospital stays, emergency surgery, and intensive care. Be sure your plan offers at least $50,000 for hospitalization. |
| 💊 Prescription medications | Reimburses for the cost of prescription drugs resulting from an injury or illness. A minimum limit of $1,000 is advised. |
| 🛫 Trip interruption/cancellation | Protects prepaid trip expenses if you need to cancel or interrupt due to covered emergencies. A typical limit is $3,000–$5,000 to cover unexpected changes. |
| 🧳 Lost or delayed baggage | Compensates for luggage and personal effects lost, stolen, or delayed in transit. A recommended limit is $1,500. |
| 🦟 Infectious disease coverage | Covers expenses from illnesses such as COVID-19 or other infectious diseases contracted during travel. Ensure the policy includes at least $5,000 in infectious disease coverage. |
| 🛡️ Personal liability | Protects if you accidentally cause injury or property damage to someone else. A recommended coverage amount is $50,000. |
We recommend a minimum reimbursement limit of $100,000 for medical treatment and care.
A recommended limit is at least $100,000.
Be sure your plan offers at least $50,000 for hospitalization.
A minimum limit of $1,000 is advised.
A typical limit is $3,000–$5,000 to cover unexpected changes.
A recommended limit is $1,500.
Ensure the policy includes at least $5,000 in infectious disease coverage.
A recommended coverage amount is $50,000.
Local providers and bank card coverage are often limited, with low limits and many exclusions, especially in war zones. It is safer to use a trusted insurer that offers complete protection. Compare the leading options on HelloSafe and subscribe online for instant certification.
The cost of travel insurance for Ukraine
| Trip duration | Traveler’s age | Indicative price per person |
|---|---|---|
| 1 week | 25 years old | $28 |
| 2 weeks | 45 years old | $52 |
| 1 month | 35 years old | $87 |
| 1 month | 70 years old | $160 |
These prices are indicative and may vary depending on the coverage chosen and the specifics of each insurer.
Good to know
The cost of travel insurance varies based on several key elements: your age, the duration of your stay, your destination, desired coverage limits, and any optional add-ons like a cancellation waiver. It is important to keep these factors in mind to select the right policy that fits your needs and budget.
💡 It is always recommended to compare multiple offers to find the best value-for-money plan for you. You can use HelloSafe.
👉 Compare the best travel insurance for freeI compareHow to pay less for your travel insurance to Ukraine
Here are some suggestions to optimize the cost of your travel insurance to Ukraine while keeping good coverage:
| Criteria | Why it matters | Expert tip |
|---|---|---|
| 🏥 Level of coverage | Access to medical facilities may be limited in conflict zones. Emergency evacuation can be expensive. | Select only medically necessary coverage and evacuation. Avoid extras that may not be required for Ukraine visits. |
| 👥 Number of travelers | Family or group plans often cost less per person than individual policies when all travel together. | Consider group plans if traveling together. Use joint policies for families or teams to reduce per-person costs. |
| 📆 Trip duration | Policy length directly impacts the total premium, especially if conflict or delays extend your stay. | Buy coverage only for the days you are in Ukraine. Do not select long durations to limit unnecessary extra fees. |
| 💳 Payment method | Certain credit cards may provide basic travel insurance, which can sometimes be used for entry requirements. | Check your credit card’s travel insurance benefits. Buy a separate policy only if required sums or benefits are insufficient. |
| 👵 Traveler’s age | Insurers typically raise rates for travelers over 60, but Heymondo does not increase rates after age 62. | Compare several quotes by age bracket for best pricing. For those over 62, Heymondo may be more affordable. |
| ✈️ Activities coverage | Riskier activities such as journalism or humanitarian aid can make premiums higher in active zones. | Limit policy to standard tourist activities. Avoid unnecessary add-ons for high-risk work or sports unless mandated. |
| 🏨 Deductible amount | Higher deductibles usually lower premiums, but you will pay more if you need to make a claim. | Opt for a higher deductible to lower your up-front premium. Choose a deductible based on your financial risk comfort. |
Can I rely on my current insurance to cover me in Ukraine?
It is reasonable to wonder if your existing insurances like your public health system, private insurance, or credit cards would provide enough coverage in Ukraine, but unfortunately they are often insufficient. For U.S. travelers, only travel insurance can meet the embassy requirements for a short-stay visa. Here is a summary table to help you review your current insurance and what it covers.
| Type of Insurance | Valid in Ukraine? | What it covers | Why Travel Insurance is better |
|---|---|---|---|
| Public Health Insurance (Medicare, Medicaid) | No, never | No coverage outside the U.S., no reimbursement for medical expenses, hospitalization, or evacuation. | Travel insurance provides up to $100,000+ for medical care, hospitalization, and repatriation. |
| Private Health Insurance (Aetna, Cigna, Blue Cross) | Yes, partly | Possible emergency reimbursement, usually with limits $20,000, often lacks medical evacuation. | Travel insurance covers up to $100,000+ and ensures medical repatriation or 24/7 support in Ukraine. |
| Classic Credit Card (Visa, Chase Freedom, Capital One) | Yes, partly | Emergency medical with limits $2,500–$5,000, no guaranteed repatriation, baggage, or cancellation. | Travel insurance offers up to $100,000 for emergencies, including trip cancellation and baggage loss. |
| Premium Credit Card (Chase Sapphire, Amex Platinum, Mastercard World Elite) | Yes, partly | Medical coverage under $25,000–$50,000, partial evacuation, limited trip delay coverage. | Travel insurance provides $100,000+ plus broader medical and evacuation coverage in Ukraine. |
Example
While visiting Kyiv, Ukraine, Sarah suffered a severe concussion from a fall. Emergency surgery and care at a private hospital cost $25,000. Her Chase Sapphire Reserve card's travel insurance had a $2,500 limit, and her US health plan deemed the hospital out-of-network, leaving her to pay the remaining $22,500 unexpectedly.
Expert advice
Always check the terms, exclusions, and limits of your existing insurance. Essential situations, like trip interruption for a relative’s illness or death, might be excluded. Read the conditions carefully to avoid unpleasant surprises abroad. In all cases, it is safer and more reassuring to get dedicated travel insurance tailored to your trip.
FAQ
Do I need a visa to travel to Ukraine?
U.S. citizens do not need a visa for visits to Ukraine of up to 90 days within a 180-day period for tourism or business. Your passport must be valid for at least three months beyond your planned departure, and you may be asked to show proof of onward travel and sufficient funds.
How do I purchase travel insurance for Ukraine?
Start by comparing travel insurance options using the HelloSafe travel insurance comparison tool. Carefully review the policy’s coverage and exclusions, making sure it addresses risks relevant to Ukraine. Purchase your chosen plan directly online and you will receive your insurance certificate promptly by email.
Are medical facilities in Ukraine sufficient for emergencies?
Medical services in Ukraine can vary in quality, with private hospitals in Kyiv and major cities offering better care than public ones. For severe injuries or illnesses, medical evacuation to another country may be required. Costs for private treatment or evacuation can easily exceed $10,000, making robust insurance highly recommended.
Does travel insurance for Ukraine cover disruptions from conflict or cancellations?
Most travel insurance policies exclude coverage for losses due to ongoing conflict or war. It is important to check the exclusions list carefully before buying. While some plans partially cover trip cancellations or interruptions, claims tied to military activity or travel advisories may be denied.
Can I get coverage for emergency evacuation from Ukraine?
Many comprehensive travel insurance plans offer emergency evacuation, but not all policies include war-related events. Before purchasing, confirm that your plan covers medical evacuation and repatriation and understand any exceptions related to current conditions in Ukraine.
Do I need proof of insurance to enter Ukraine?
Although proof of travel insurance is not currently mandatory for U.S. nationals entering Ukraine as tourists, border authorities may request evidence of appropriate medical insurance when you arrive. Having your certificate readily available can help avoid delays or complications during your trip.
Do I need a visa to travel to Ukraine?
U.S. citizens do not need a visa for visits to Ukraine of up to 90 days within a 180-day period for tourism or business. Your passport must be valid for at least three months beyond your planned departure, and you may be asked to show proof of onward travel and sufficient funds.
How do I purchase travel insurance for Ukraine?
Start by comparing travel insurance options using the HelloSafe travel insurance comparison tool. Carefully review the policy’s coverage and exclusions, making sure it addresses risks relevant to Ukraine. Purchase your chosen plan directly online and you will receive your insurance certificate promptly by email.
Are medical facilities in Ukraine sufficient for emergencies?
Medical services in Ukraine can vary in quality, with private hospitals in Kyiv and major cities offering better care than public ones. For severe injuries or illnesses, medical evacuation to another country may be required. Costs for private treatment or evacuation can easily exceed $10,000, making robust insurance highly recommended.
Does travel insurance for Ukraine cover disruptions from conflict or cancellations?
Most travel insurance policies exclude coverage for losses due to ongoing conflict or war. It is important to check the exclusions list carefully before buying. While some plans partially cover trip cancellations or interruptions, claims tied to military activity or travel advisories may be denied.
Can I get coverage for emergency evacuation from Ukraine?
Many comprehensive travel insurance plans offer emergency evacuation, but not all policies include war-related events. Before purchasing, confirm that your plan covers medical evacuation and repatriation and understand any exceptions related to current conditions in Ukraine.
Do I need proof of insurance to enter Ukraine?
Although proof of travel insurance is not currently mandatory for U.S. nationals entering Ukraine as tourists, border authorities may request evidence of appropriate medical insurance when you arrive. Having your certificate readily available can help avoid delays or complications during your trip.
