High-Risk Travel Insurance

What Is High Risk Travel Insurance?

It's a specialist travel insurance designed for individuals and groups travelling to high risk and hostile territorial regions across the world. It includes COVID-19, war and terrorism cover and for areas where the Foreign and Commonwealth Office (FCO) or local authority equivalent or the World Health Organisation (WHO) have "advised against travel" and which are excluded on most travel insurance policies.

It comes with an online platform to buy comprehensive insurance before starting your travels - all available within minutes from quote to cover. In partnership with the Lloyd’s of London market, a completely unique underwriting model has been developed that allows customers to purchase a policy with a minimum of fuss and a highly competitive price.

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We can also give you cover for Ukraine

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What It Offers:

Hotspot Cover provides a range of medical travel insurance and emergency assistance to those working in various occupations - from business travellers, front line journalists and NGOs to engineers and charity workers; anyone in fact travelling “to and from” almost anywhere in the world. Hotspot Coverage gives benefits arising from accidental injury and disability and includes passive war and terrorism cover. It provides for Emergency Medical & Evacuation Expenses to cover both accident and illness that include for COVID-19. Crisis Response that includes Political and Natural Disaster Evacuation, and Kidnap and Ransom cover can also be added as an optional coverage. Also provided is a host of travel risk tools that come with free access to a smartphone app giving you pre-travel country reports, a smart red button location-alert service and live incident feeds.


The cover has been tailored and designed in consultation with leading international travel and medical insurance experts and professionals operating on the frontline in the field of global travel risk management, safety and personal security in fragile environments. In short, individual customers now can obtain extreme risk travel coverage that historically has only been available through the Lloyd’s market for big corporations or at a very high cost.


Hotspot Cover is also partnered with MBL Global to provide survivors of critical incidents and trauma, ranging from bodily injury or kidnap to terrorist attacks, with on-site response and post event trauma counselling. They have a global network of trained PTSD and trauma specialists to look after and attend to your mental well-being both during and after your travels.


Hotspot Cover is a licensed insurer and regulated by the The Guernsey Financial Services Commission (GFSC) and is fully supported by the Lloyd’s insurance market.

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