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Today, travel insurance is no longer just a \u201cjust in case\u201d option \u2014 it has become a fundamental need for any responsible traveler. Despite life remaining quite turbulent, Ukrainians continue to travel. Diana Kochenkova, Director of the Retail Products and Services Development Department at UNIQA Insurance Company, explains how demand for travel insurance has changed in 2025.<\/p>\n
Of course, we\u2019re not talking about a dramatic surge in demand for travel insurance. We\u2019re certainly not seeing a return to the volumes of 2022. Ukrainians are still traveling far less than in peacetime. However, in 2025, we have observed a 15\u201320% increase compared to 2024, on average. There is a specific segment of clients who hadn\u2019t dared to travel since the beginning of the full-scale invasion, but in 2025, they decided to go abroad on vacation. This includes mothers with children or elderly people.<\/p>\n
Travel Insurance \u2014 It\u2019s Not Just About Medical Coverage<\/strong><\/p>\n A modern insurance policy goes far beyond covering unexpected illnesses or a broken leg. It also includes compensation for lost baggage, flight cancellations or delays, lost documents, and even legal assistance abroad.<\/p>\n How to Choose the Right Policy?<\/strong><\/p>\n First and foremost, pay attention to the amount of medical coverage. For trips to Europe, a minimum of \u20ac30,000 is sufficient. For the USA or Asia, it\u2019s better to have at least \u20ac50,000. Also check the dental coverage limit \u2014 whether it exists and how much it covers. Even in the most basic policy, it should be at least \u20ac200.<\/p>\n When choosing a policy, it\u2019s important to check exactly what it covers: whether it includes trip cancellations, baggage delays, illnesses, or even participation in active sports like skiing or diving.<\/p>\n That doesn\u2019t mean you always have to choose the most expensive or extensive plan, but you should definitely match it to the purpose of your trip. Extreme sports like snowboarding or rock climbing tend to increase the cost of insurance. So, if your vacation is all about evening strolls in Paris or exploring the streets of Prague, there\u2019s no need to overpay for these options. But if you\u2019re planning to do something extreme, it\u2019s crucial to check whether the insurance will cover injuries related to those activities. Otherwise, you might end up buying a policy that won\u2019t help you \u2014 insurers have every right to refuse coverage if extreme sports weren\u2019t included in your plan.<\/p>\n It\u2019s also important to know whether the insurance company operates on a cashless basis<\/strong> \u2014 meaning they pay expenses directly without the client having to pay upfront. This helps avoid paying large amounts out of pocket and waiting weeks for reimbursement.<\/p>\n It\u2019s convenient when the company offers a mobile app, online services, and 24\/7 support in Ukrainian \u2014 especially if something goes wrong abroad at an inconvenient time.<\/p>\n Tips for Travelers<\/strong><\/p>\n Don\u2019t cut corners on insurance \u2014 medical care abroad can cost hundreds or even thousands of dollars. Read the terms carefully before purchasing: what situations are covered and what are not. Don\u2019t forget to check which countries are included \u2014 most policies don\u2019t cover regions with military conflicts or political instability. Some countries, like Nepal or Indonesia, may be more expensive to insure.<\/p>\n We recommend purchasing your policy online \u2014 it\u2019s fast, convenient, and you\u2019ll always have it accessible on your smartphone.<\/p>\n In 2025, travel insurance is no longer a luxury \u2014 it\u2019s a necessity. A policy can not only save your life but also bring peace of mind throughout your journey. Ukrainians are increasingly aware of this and are approaching insurance with greater responsibility. And that is the best investment in a safe trip.<\/p>\n","protected":false},"excerpt":{"rendered":" Today, travel insurance is no longer just a \u201cjust in case\u201d option \u2014 it has become a fundamental need for any responsible traveler. Despite life remaining quite turbulent, Ukrainians continue to travel. Diana Kochenkova, Director of the Retail Products and Services Development Department at UNIQA Insurance Company, explains how demand for travel insurance has changed […]<\/p>\n","protected":false},"author":4489,"featured_media":659129,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[15576,15575],"tags":[],"class_list":["post-786062","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news-and-articles-en","category-news-and-articles-from-companies-en","company-17009"],"_links":{"self":[{"href":"https:\/\/new.eba.com.ua\/en\/wp-json\/wp\/v2\/posts\/786062","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/new.eba.com.ua\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/new.eba.com.ua\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/new.eba.com.ua\/en\/wp-json\/wp\/v2\/users\/4489"}],"replies":[{"embeddable":true,"href":"https:\/\/new.eba.com.ua\/en\/wp-json\/wp\/v2\/comments?post=786062"}],"version-history":[{"count":0,"href":"https:\/\/new.eba.com.ua\/en\/wp-json\/wp\/v2\/posts\/786062\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/new.eba.com.ua\/en\/wp-json\/wp\/v2\/media\/659129"}],"wp:attachment":[{"href":"https:\/\/new.eba.com.ua\/en\/wp-json\/wp\/v2\/media?parent=786062"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/new.eba.com.ua\/en\/wp-json\/wp\/v2\/categories?post=786062"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/new.eba.com.ua\/en\/wp-json\/wp\/v2\/tags?post=786062"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}