High Risk Destination Travel Insurance


High-Risk Destination Travel Insurance


The High Risk Voyager policy is primarily aimed at people working overseas in high risk areas. It can be used for leisure trips as well but there is a duration limit of only 31 days if it is not a business or working trip.

Covers War Zones, Crisis Zones, Disaster Relief Zones and other high-risk regions.

Cover is designed for travelling professionals, such as Journalists, Aid Workers, Interpreters, Volunteers, Engineers, Students etc, needing to travel to high-risk regions such as Afghanistan, Iraq, Syria, Sudan, or parts of countries such as Egypt, India, Pakistan.

Mainstream travel insurance policies always have exclusions regarding cover for travel to regions where the FCO advise against “All Travel To” or “All But Essential Travel To”. Many policies are invalidated if you choose to visit these regions, or at best, they will only cover you for incidents that are not connected to the circumstances that have given rise to the FCO advice.

Our High-Risk Voyager travel insurance policy is designed to provide cover where others will not. On this policy, cover is available for UK residents only, for Medical Expenses up to £1,000,000 including Repatriation and Evacuation, and including PTSD Assessment & Counselling following a hostile event, with a 24 hour 24/7 helpline, staffed by experienced coordinators. Policy holders are given access to a downloadable “One Tap” emergency app and Pre-Trip Country Files (see details of One Tap App below).

This policy offers cover for durations of up to one year for business trips or 31 days for leisure trips. There are two cover levels – Standard £300,000 Medical, or Enhanced £1,000,000 Medical. The policy is modular, giving you the opportunity to add optional cover for Baggage, Cancellation, Delay, Passport, Personal Accident compensation, Personal Liability etc, at extra cost.

Apart from the above single trip policies, there is also an Annual Multi-Trip version of cover, for frequent travellers. This covers unlimited trips, as long as no individual trip exceeds 31 days.

High-Risk Voyager Travel Insurance can even be arranged after departure, with conditions, if you have discovered that your normal insurance is not adequate for the region you are visiting.

These policies are underwritten at Lloyds of London.

NGS One Tap Emergency App :

The One Tap Emergency App offers a fully managed emergency notification solution once activated and a call placed to NGS, subject to connectivity on GPS-enabled mobile phones (iPhone & Android), for travellers to remote and high-risk countries.

As an added feature of your High-Risk Voyager International Travel and Medical Insurance, for as long as you are a High-Risk Voyager policy holder you have free personal access to this service provided by Northcott Global Solutions (NGS) and powered by Voyage Manager (VM).

Important Note: Access to, and utilisation of, these services is only provided for the Insured Person and only during the Insured Period shown on your High-Risk Voyager Policy Schedule. You should not access or utilise these services if you are not an Insured Person or your Policy Schedule Cover is not current as you may be charged for access or utilisation.

Access to these services is subject to 3G/4G or wifi internet connectivity.


In addition to the above High-Risk Voyager policy, we can also obtain bespoke quotations for Group Personal Accident & Medical, Political & Natural Disaster Evacuation, Kidnap & Ransom Insurance from PanOptimum. Please call 0161 973 6435 or email sales@navigatortravel.co.uk  to enquire about these high-risk solutions.