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Travel insurance for high risk countries

Travel advice

If you are unsure whether the area you are travelling to is 'high risk' please visit for up to date travel advice.

Whether you are a journalist, photographer, security worker or visiting a country for business or pleasure purposes, you will require travel insurance to cover you for medical expenses and your baggage.

However, if you are visiting to a country or region which is not recommended for travel to by the Foreign and Commonwealth Office (FCO) you will find that most travel insurance companies will decline to insure you. At Versatile insurance, we have arranged an exclusive scheme underwritten by Lloyd's of London to offer instant quotations and immediate cover at competitive premiums.

  • Conflict and War Zones
  • Areas of Unrest and Crisis
  • Unstable Countries
  • Deal with a UK based company and UK staff
  • Underwritten by Lloyd's of London
  • Pay in Sterling by Master Card or Visa


Please note: This cover is only for travellers looking to leave from the UK.

If you don't like filling in forms, or want to speak to a human, please call us on 01837 658955 during office hours 9am to 5pm Monday to Friday.

Quote request form


Any form of racing in international or national events, services, or inter services championships, or heats or officially organised practice or training for these events.


  • Medical Expenses – Up to £5 million
  • Cancellation and Curtailment – up to £5,000
  • Missed Departure – up to £500
  • Travel delay £25 - each complete 12 hours
  • Accompanied Personal Baggage. Clothing and effects – up to £2,000
  • Delayed Baggage – up to £150
  • Personal Money – up to £500
  • Personal Accident – up to £25,000
  • General Average – up to £300
  • Personal Liability – up to £2 million
  • Legal Expenses – up to £25,000
  • Hospital Benefit - £25 per complete day
  • Hijack, Kidnap and Detention – up to £15,000 expenses incurred to obtain release, excluding ransom monies.
  • Car Hire Excess Waiver – up to £250
  • And Winter sports cover includes:
  • Ski Pack - up to £250
  • Piste Closure – up to £200
  • Avalanche – up to £150


Our policy is for: business and tourist travellers including journalists, photographers, translators, missionaries, aid workers, charity workers, students, oil workers, professors, adventurers and security workers.


Here at Versatile Insurance Professionals Ltd, we are an insurance broker based in the UK serving UK based individuals and business and we specialise in difficult to get insurance policies such as travel policies to war zones and unstable countries.

  • Afghanistan insurance
  • Africa Insurance
  • Albania insurance
  • Algeria insurance
  • Angola insurance
  • Armenia insurance
  • Azerbaijan insurance
  • Bahrain insurance
  • Bangladesh insurance
  • Burkina Faso insurance
  • Burundi insurance
  • Cambodia insurance
  • Cameroon insurance
  • Central African Republic insurance
  • Chad insurance
  • Colombia insurance
  • Congo (Democratic Republic) insurance
  • Congo insurance
  • Crimea insurance
  • Djibouti insurance
  • Ecuador insurance
  • Egypt insurance
  • Eritrea insurance
  • Ethiopia insurance
  • Georgia insurance
  • Guinea insurance
  • Haiti insurance
  • India insurance
  • Iraq insurance
  • Israel insurance
  • Ivory Coast insurance
  • Kenya insurance
  • Korea - ROK (South Korea) insurance
  • Kosovo insurance
  • Kyrgyzstan insurance
  • Lebanon insurance
  • Liberia insurance
  • Libya insurance
  • Mali insurance
  • Mauritania insurance
  • Mexico insurance
  • Niger insurance
  • Nigeria insurance
  • Pakistan insurance
  • Philippines insurance
  • Russian Federation insurance
  • Rwanda insurance
  • Somalia insurance
  • Sudan insurance
  • Tajikistan insurance
  • Thailand insurance
  • Tunisia insurance
  • Turkey insurance
  • Uganda insurance
  • Ukraine insurance
  • Uzbekistan insurance
  • Venezuela insurance
  • Western Sahara insurance
  • Yemen insurance
  • Zambia insurance
  • Zimbabwe insurance

Travelling on holiday?


If you are just going on holiday and have no special requirements, click here for cheap travel insurance.

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