Life Insurance, Critical Illness Cover and Income Protection for Foreign Travel

If you partake in extensive foreign travel or visit dangerous countries then arranging insurance can often be difficult if you do not know where to look.

Here at the Special Risks Bureau we understand how important insurance is. We work for you to ensure that you get the best price for your cover with the least hassle.

For more information on specific countries please select here:

Alternatively please take a look at our complete list to find details about how your insurance can be affected by the countries you visit.

Insurance for Foreign Travel and Dangerous Countries

Foreign travel Afghanistan

Some examples of high risk countries are:

For plans such as Life Insurance, Critical Illness Cover and Income Protection foreign travel can have a substantial impact. This is due to the perceived danger that some countries represent. For example, travel to a war zone or area of civil unrest can be seen by insurance providers to increase the chance of death or serious injury.

Previous travel to areas of high HIV infection risk can also cause concern for insurance companies. Life Insurance and/or Critical Illness Cover, if available, may come with a higher premium depending on your time in each country. Income Protection is more likely to be refused or have travel excluded if you regularly visit high risk locations.

It is important that you understand your cover and any exclusions it may have. Some policies may have war and terrorism exclusions included within them, you should always thoroughly check the Key Features Document supplied with your policy schedule.

What Will the Insurers Need to Know?

Each insurance provider is different and the questions asked may differ depending on if you are looking for Life Insurance when you travel abroad, Critical Illness Cover or Income Protection Insurance. As a rule of thumb most companies will likely want to know most of the following:

  • The countries you have visited in the past five years (for holidays over a month or business over a week)
  • The countries you are likely to visit in the next two years (for holidays over a month or business over a week)
  • If a hazardous country, how you travel when there (e.g. helicopter, armoured vehicles, etc.)
  • If a hazardous country, where you will stay in these countries (e.g. hotel, army base, house, etc.)
  • If a hazardous country, what the reason for travel is

Each of these factors (along with others) are considered by the individual insurer who then analyses the risk that these present against the cover you require.

How the Special Risks Bureau can Help?

As there are a range of insurance companies in the UK, all with different acceptance criteria and prices, it is essential that your cover be placed with the right one. Some policies may have exclusions that relate to high risk countries and some may increase premiums to cover the extra risk. In some situations however you might be able to source the cover at a standard premium with no travel exclusions and no price increase.

It is therefore very important to either speak to an insurance adviser or fully research the cover you require to ensure you are adequately protected at the right price.

Here at the Special Risks Bureau we have years of experience in placing cover for people who visit high risk countries. For a free quote please call us on 0800 567 7450 or request a quotation online.

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Please feel free to request a quote from us using our online form. As a broker we search a fair analysis of the whole market and will always take your specific risks and concerns into account. For this reason we do not currently offer prices online but will always do our best to reply to you by email, text or phone as soon as possible.

The more information that you can provide us about your health conditions, hobbies, travel and/or occupation the better as this will help us to provide the most accurate indications of price.

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