High Risk Voyager – “Travel Insurance that covers you where others fear to tread…”

Travelling abroad for work, volunteering or leisure can be exciting and incredibly rewarding times, especially when travelling to and working in emerging countries and higher risk frontier environments worldwide.

However, an enjoyable and rewarding trip or assignment can quickly turn into a personal and financial nightmare if you don’t have the right travel and medical insurance in place, backed by the right support service. Indeed, many travel insurance policies specifically exclude cover to these high risk areas.

High Risk Voyager Travel Insurance for warzones, crisis and disaster relief zones and more

High Risk Voyager has been specifically created in close consultation with leading international travel & medical insurance experts and with professionals operating at the frontline of worldwide travel risk management and personal security in fragile environments to provide cover for people, like you, who need insurance cover when they travel to countries that are deemed as potentially dangerous or volatile.

High Risk Voyager provides you with peace of mind travel and emergency medical coverage worldwide backed by a 24/7 emergency assistance helpline and a global network of assistance providers giving you access to the best available medical care wherever you choose to be covered in the world – from war zones and crisis zones through to high cost areas such as the USA.

High Risk Voyager Product Features

We have designed High Risk Voyager to offer you the flexibility and choice of covers you may need or want when traveling abroad, all backed by the financial security of being underwritten at Lloyds and the strength of proven service that underpins the product when you may need it most.

• 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 with up to £/$/€1,000,000
• Emergency Air Ambulance and Medical Evacuation Services
• Single Trip Policies for Trips from 1 day up to 365* days duration
• Annual Multi Trip Policies, unlimited number of trips of up to 31 days each and includes 17 days Winter Sports
• Includes participation in Winter Sports and over 100+ leisure activities (non-professional)
• Choice of up to 4 Territorial Zones of Cover including war, crisis and disaster relief zones
• Available in £GBP, USD$ and Euros € 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+ Members purchasing together
• Discounts available for having taken recognised risk management, travel safety and personal security advice before departure

*Maximum trip duration to the USA is 89 days. Maximum duration for leisure trips is 31 days.

Click below to apply for cover and buy online.

Once you have purchased your policy you will also be given access to our ‘One Tap’ Emergency App allowing you to quickly and discretely contact Emergency Assistance in time of need.
Policy Options Available for Additional Peace of Mind

Cover under the High Risk Voyager policy can be extended to include a number of non-medical related covers so that you can tailor your policy to your needs with the following options:

• Enhanced and Increased Personal Accident Cover up to £/$/€ 100,000
• Non-Medical Benefits including Baggage cover
• Cancellation, Trip Interruption and Disruption Cover

Subject to a maximum age of 70, you can choose from:

• Single Trip cover – for one-off business trips up to 365 days duration (including incidental leisure periods not exceeding 31 days in total), or up to 31 days for trips undertaken purely for leisure purposes.
• Annual Multi-trip cover – for any number of separate trips in the 12 month policy period, up to a maximum of 31 days any one trip. (Annual Multi-trip cover is not applicable in respect of travel to any country or region in Zone A – please refer to the policy wording)

Who would Benefit from High Risk Voyager?

High Risk Voyager is designed for:

• Travel to dangerous, remote and challenging locations worldwide including war zones, crisis and disaster relief zones including areas where your government, Foreign Office or similar government body advise against travel.
• Individuals and groups on business and work trips including journalism, media, humanitarian aid, disaster and relief work, conservation, research, voluntary, missionary, religious work and charitable programmes including teaching, study and educational travel and Non-Governmental Organisations.
• Travel to areas affected by acts of war and/or terrorism and/or civil unrest on a business or work trip.
• Persons that are embedded with the military, governmental or non-governmental organisations, including any related use of vehicles and aircraft. (Please note that bullet-proof jackets, helmets and personal distress beacons are recommended during any embedded period).

Policy Documents

Download Policy Wording	Download Product Leaflet
Download EEA Complaints Guide

Click below to apply for cover and buy online.

If you are a broker who would like to be able to sell High Risk Voyager click here to download an Agency Agreement.