Worldwide – High Risk


Specialist travel insurance for people travelling to high-risk areas


Individuals and groups travelling to high-risk territorial zones and areas where the FCDO have advised against travel such as war zones, crisis zones, and disaster relief zones, including countries such as Afghanistan, Syria, Iraq, and Sudan, etc. as well as hazardous areas in countries such as Egypt, Thailand, Pakistan, and India.


High Risk Voyager is available to residents of the UK and non-EEA residents (as listed online).


  • Specialist Travel Insurance for Individuals or Groups travelling to high risk territorial zones worldwide not covered by regular travel insurance, such as war zones, crisis zones, and disaster relief zones.
  • Cover for both Business Trips and Leisure Trips.
  • Designed for travelling professionals and pioneers such as Journalists, Photographers, Film Makers, Teachers, Charity Workers, Aid workers, Interpreters, Volunteers, Students, and Engineers etc.


  • 24/7 Quick and Easy Secure Online Quote and Buy Facility
  • One-Tap Emergency App & Pre-Travel Country Profile Information
  • 24/7 Emergency Medical Assistance Helpline
  • Available to purchase before or after departure
  • Choice of 2 Levels of Medical Cover up to £/$/€1,000,000
  • Emergency Air Ambulance and Medical Evacuation Services
  • Single Trip Policies for trips from 1 day up to 365* days duration
  • Annual Multi-trip Policies – unlimited number of trips of up to 31 days each and includes 17 days Winter Sports
  • Includes cover for 100+ leisure sport activities (non-professional)
  • Choice of up to 4 Territorial Zones of Cover including war, crisis, and disaster relief zones
  • Available in GBP£, EUR€, and USD$ with claims settled in your chosen currency, determined by the currency used to pay your premium
  • Individual cover with online discounts for Groups of 5+ purchasing together
  • Discounts available for having taken recognised risk management, travel safety, and personal security advice before departure

For further information, please click the links for the Policy Wording and Sales Leaflet.

For more information on Territorial Zones please refer to the information button on the right-hand side when selecting your Territorial Zone on Desktop devices and the Help button on mobile devices in the ‘Quote Details’ section when getting a quote.

High Risk Voyager Travel Insurance has Coronavirus / COVID-19 cover available regardless of FCDO travel restrictions.

This COVID-19 coverage is only applicable to the following sections of cover; Emergency Medical Expenses, Emergency Medical Repatriation/Evacuation, Return Trip (Following covered Emergency Medical Evacuation), Visitor To Bedside – Travel and Accommodation Expenses, Additional Accommodation Food & Travel Costs, Identification of Remains & Repatriation of Remains or Overseas Burial/Cremation and Hospitalisation Benefit; and no other section.


We are working with Voyager Insurance Services Ltd on this product. They are authorised and regulated by the Financial Conduct Authority. The policy is underwritten at Lloyd’s of London.


All plans, benefits, and premiums are available in a choice of GBP£, EUR€, and USD$.


Brokers and Agents:

Or call 02392 419 050 Mon to Fri 9am – 5pm.

Direct Customers:

Or call 02392 419 050 Mon to Fri 9am – 5pm.

Last updated: 13th April 2023.


With over 25 years experience in travel insurance, we have created specific products to cater for specific needs. Whether you require cover for a medical condition, hazardous activities, round the world trip, Gap year, etc., we have a policy for you.


As schemes specialists, we are able to provide some unique products; these currently include: ‘Top-up’ Cancellation cover; Euro Plus (breakdown cover for people travelling to Europe); and PJH Worldwide for those who have already travelled and expats.


We have a range of facilities to cover companies; ranging from Group Personal Accident and Travel to Liability cover for Tour Operators. Specific products include: Business; Coach Plus Breakdown; Coach Plus Driver; and SAFI.

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Wide range of covers for UK Nationals already abroad, Expatriates and other Nationals