High Risk Voyager Travel Insurance is designed differently from standard travel insurance policies. Instead of relying on geographic regions, we have risk Zones.

Zones are not just based on geography but also consider other important factors like political instability and security concerns. Each area or region can then be assigned to a Zone based on it risk level. If a situation develops in an area or region, where there is a change in the FCDO then we can move it into a new Zone to better reflect the new risk level, be it up or down.

Some countries, where the situation is fluid and can rapidly change, we have to quote on a case by case basis, these are paces in Bespoke Zones.

This approach ensures that your coverage is aligned with the actual risks of your destination. To ensure you are properly covered, it is crucial to select the correct Zone when purchasing your policy.

Excluded Territories:

• Due to international sanctions, we're unable to provide policies for trips to Belarus or Russia
• Due to the ongoing conflict we are unale to provide policies for trips to Iran

Please see below to find which Zone you need to select for your trip when purchasing your High Risk Voyager Travel Insurance policy.

Bespoke Countries Zone A Zone B

Bespoke Countries

Some countries require specific underwriting, for these you will need to contact us directly to arrange cover.

Please note due to the changing situations in Bespoke Countries, Annual Multi-Trip policies are not available. 

The following destinations are considered Bespoke Countries:

*Due to the ongoing situation in Ukraine, we are unable to provide cover for certain regions, including Crimea, Luhansk, Donetsk, Zaporizhzhia and Kherson

If you plan to travel to any of these destinations, please click here to complete the quote form.

Zone A

Single Trip Policies Only. As well as those countries/regions listed, also Includes all countries/regions listed in Zone, B,C, D and E.

Zone A is not available for Annual Multi-Trip Cover.

Zone B

Any other country or territory not listed in Bespoke, Zone A or B, or as a specifically excluded territory such as the USA or Canada)

We reserve the right to amend the Territorial Limit Zones, if in our sole opinion, there is a material sustained change in the risk profile within any such Territorial Limit Zone(s). We also reserve the right to charge an additional premium from a higher rated territory for a destination listed in a lower rated Territorial Limit Zone in the event of a short-term increase in risk profile. Any such rating or Territory Limit Zone amendments will not affect existing policies already purchased and will be implemented via the online policy administration system for any future High Risk Voyager Travel Insurance policies commencing from the date of such change.