Travel insurance

Travel insurance allows you to pay medical expenses abroad at the expense of the insurance company. The better the insurance coverage, the more expenses the insurance company assumes and the less you will have to pay out of pocket in case of illness or accident. Moreover, the insurance company takes care of all organizational issues related to medical care. Insurance may also include additional protection options. For example, reimbursement of losses in case of loss of luggage, flight delay or cancellation due to the fault of the carrier, forced cancellation of a planned trip, etc.

You determine the amount of the sum insured yourself. At the same time, you should take into account the regulations in force in the country of your planned trip. For the territories of the EU member states, the requirements of the Visa Code apply, which establish the recommended and mandatory amount of insurance of at least EUR 30,000. For the territory of the United States, the recommended amount of insurance is not less than USD 50,000.

The visa-free regime does not cancel the requirements of the Visa Code, which regulates the need for a travel insurance policy.

You can buy travel insurance with a deductible if you want to reduce the cost of the policy. However, you should keep in mind that every time you use the insurance, you will have to pay part of the cost of medical services and medicines yourself.

Yes, all INGO travel insurance programs have COVID-19 coverage, but on different terms and conditions. Information on the coverage under your insurance program can be found at the link specified in your policy.

To cross the border or use the policy in a medical institution, it is enough to have an electronic version of the policy in your phone, which has the same legal force as the paper version. Therefore, it is not necessary to print the policy. If necessary, you will always have access to your insurance in your Personal Account on the INGO website.

A travel insurance policy must be purchased while staying on the territory of Ukraine. The policy must have a start date of its validity BEFORE the moment of actual crossing the border of Ukraine. Therefore, take care of getting a travel insurance policy in advance.

If you plan to go in for sports during your trip, please select the appropriate option when applying for the policy and have an active vacation. Please note that sports activities are divided into certain categories depending on the type of sport, including even extreme sports. Sports can be professional (participation in international competitions) or amateur (as a form of leisure). If you have any doubts about choosing a sports category, please consult your insurance manager.

There is no limit to the number of insured persons in one insurance contract. You can insure even large teams at the same time. However, there are restrictions for an electronic policy, which allows you to insure no more than 4 people at a time.

A travel policy can be either short-term for a single trip or long-term (but not more than 365 days) to cover a large number of separate trips. When applying for insurance, it is important to indicate the date of the policy's commencement when you will still be in Ukraine. The number of days of the actual trip must match the number of days specified in the policy. Please note that for policies with the coverage area of "European countries" and "Schengen countries", 15 calendar days will be added in accordance with the terms of the legislation in order to comply with the legal regulations. Check the dates indicated in the insurance policy carefully.

To take out a travel insurance policy, the following personal data of the insured persons must be provided: Full name, date of birth and series/number of the foreign passport used for traveling. The surname and name in the policy must be indicated in Latin in accordance with the transliteration in the passport. The person acting as the insured and directly concluding the insurance policy must also indicate the TIN and address of residence in Ukraine. When applying for an e-policy on the insurance company's website, it is important to provide your personal phone number and email address correctly. They will be needed to sign the contract (using the code in the SMS message) and receive the paid policy.

The travel insurance policy is valid only outside Ukraine and does not provide protection in the country of permanent residence. The insurance is valid only in the country or group of countries specified in the relevant section of the insurance contract.

Yes, if you took this into account when applying for the policy and included the country in the coverage area. For example, when traveling in Europe, you can choose the "Schengen countries" coverage. In this way, your insurance coverage will be valid on the territory of a number of countries included in the list.

A travel insurance policy in favor of a minor or an incapacitated person may be issued by his/her close relatives or guardians, or a third party who has acquired such rights under a Power of Attorney from close relatives or guardians. To do this, you must have the child's passport and/or travel document, as well as a birth certificate, a certificate of guardianship (if necessary).