feefo feedback
geotrust

Do you have questions
or seek more info?

Visit Insurance FAQ


Travel Insurance for Afghanistan 

 
 

1 week travel insurance for Afghanistan from £55, 2 weeks cover from £110

 
 

 

High risk travel insurance for Afghanistan for journalists, media, humanitarian, aid, disaster and relief workers, conservationists, researchers, voluntary workers, missionaries, religious workers and charitable programmes.

 

   

“Travel Insurance that covers you where others fear to tread”

 

Travel Insurance for Afghanistan

 

Why Choose Us?

With the rapid rise and spread of terrorist activity over recent years, civil unrest, quickly evolving conflicts along with fragile political and environmental situations worldwide – even the most experienced travellers can quickly find themselves in challenging situations that can expose themselves to dangerous circumstances and unexpected accidents, illnesses and medical emergencies.

Our policies has been designed in close consultation between leading international travel and medical insurance experts and professionals operating at the frontline in the field of worldwide travel risk management, safety and personal security in fragile environments.

 

Flexibility, Choice and Strength of Security

We have designed our policies to offer you the flexibility and choice of covers you need when traveling abroad, all backed by the financial security and strength of proven service that underpins the product when you may need it most.

blue box  24/7 Emergency Medical Assistance Helpline

blue box  Emergency Air Ambulance and Medical Evacuation Services

blue box  One-Tap Emergency App & Pre-Travel Country Profile Information

blue box  Single Trip Policies for Trips from 1 day up to 365* days duration

blue box  Annual Multi Trip Policies, unlimited trips of up to 31 days each and includes 17 days Winter Sports

blue box  Choice of up to 4 Territorial Zones of Cover including war, crisis and disaster relief zones

blue box  Available in £GBP, $US Dollars and €Euros with claims settled in your chosen currency

blue box  Available to purchase before or after departure

blue box  Discounts for Groups of 5+ Members purchasing together

blue box  Choice of 2 Levels of Medical+ Cover with up to £/$/€1,000,000

blue box  Wide Range of Optional Additional Benefits including:

- Enhanced and Increased Personal Accident Cover

- Non-Medical Benefits including Baggage Cover

- Cancellation, Trip Interruption and Disruption Cover

blue box  Discount 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.

 

Coverage specially designed and included for:

blue box  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.

blue box  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 (NGO).

blue box  Acts of War and/or terrorism and/or civil unrest on a business or work trip.

blue box  Persons that are embedded with military, governmental or NGO personnel or travelling in their vehicles or aircraft. (Bullet proof jackets, helmets and personal distress beacons are recommended during any embedded period).

blue box  Trips of up to 365 days on business or work, and up to 31 days for leisure travel, or incidental leisure travel preceding or attaching to a business trip. No cover for War is provided for Leisure Trips that do not attach to a business or work trip.

 

 

Travel advise for Afghanistan

 

The Foreign and Commonwealth Office (FCO) advise against all or all but essential travel to different parts of the country according to provincial region:

 

Afghanistan travel advice map
Source: Foreign and Commonwealth Office

Kabul

blue box  the FCO advise against all travel to the Surobi, Paghman, Musayhi, Khak-e Jabbar and Chahar Asyab Districts of Kabul province

green box  the FCO advise against all but essential travel to the city of Kabul

 

Northern Afghanistan

blue box  the FCO advise against all travel to Balkh, Kunduz, Badakhshan and the Baghlan-e Jadid District of Baghlan

blue box  the FCO advise against all but essential travel to Takhar, Faryab, Jawzjan, Samangan, Sari Pul and the remainder of Baghlan

 

Eastern Afghanistan

blue box  the FCO advise against all travel to Ghazni, Kapisa, Khost, Kunar, Laghman, Logar, Nangarhar, Nuristan, Paktika, Wardak and Paktya

blue box  the FCO advise against all but essential travel to Bamiyan, Parwan and Panjshir

 

Southern Afghanistan

blue box  the FCO advise against all travel to Helmand, Kandahar, Nimroz, Uruzgan and Zabul

 

Western Afghanistan

blue box  the FCO advise against all travel to Badghis and Farah, and the Shindand and Gozarah Districts of Herat province

blue box  the FCO advise against all but essential travel to Dai Kundi, Ghor and remaining districts in Herat

 

The level of consular assistance available to travellers in Afghanistan extremely limited.

Hotels and guesthouses used by foreign nationals and the government of Afghanistan are subject to regular threats. The British Embassy doesn’t allow official visitors to stay in hotels overnight and has placed restaurants and other venues off limits to staff. Make sure your accommodation is secure and review your security measures regularly.

There is a high threat from terrorism and specific methods of attack are evolving and increasing in sophistication. There is a high threat of kidnapping throughout the country. Travel by road throughout the country, but particularly outside the capital Kabul, is extremely dangerous. Seek professional security advice for all travel and consider using armoured vehicles. 

Take out comprehensive travel and medical insurance before you travel. Make sure your policy covers you for travel in Afghanistan, noting any requirements for security and armoured vehicles. It may be difficult to get insurance.

Afghanistan is in a major earthquake zone and remains at risk from powerful earthquakes, aftershocks, landslides and flooding. The British Embassy can provide limited consular assistance in Afghanistan, particularly outside the capital Kabul.

 

Safety and security

 

Political situation

Afghanistan is undergoing a major transition in terms of politics, economy and security. Avoid large public gatherings and follow the local media for information on the security situation. It is difficult to categorise the country as a whole due to its diverse geography, ethnic, tribal and religious differences, and the ongoing insurgency. Large parts of the east, south east and south of the country are affected by conflict. Other areas have seen steady improvements in security, but are still prone to terrorist attacks and a high crime rate.

 

Road travel

Road travel is highly dangerous. Insurgents have set up false vehicle checkpoints from which violent attacks have been launched. In addition to the threat from terrorism and kidnapping, there is also a continuing criminal threat from car-jacking and robbery.

Public transport is dangerous. Taxis and long distance buses are often poorly maintained, uninsured and driven by unqualified drivers. Privately hired transport is often driven by uninsured, unqualified drivers. You should carry out long distance journeys by air where possible.

If you travel by road you should only travel in secure transport with close protection, using reputable local drivers and guides. Make sure doors are locked and windows closed. You should consider strongly the use of armoured vehicles. Most road surfaces are in a very poor condition. The overall standard of driving is poor and most local drivers are uninsured. Accidents may lead to confrontation and threatening behaviour.

 

Non-Governmental Organisations (NGOs)

There have been a number of serious attacks on both western and Afghan NGOs and vehicles belonging to them, in which people have been killed or injured. NGO workers have been kidnapped near their places of work. Most attacks continue to occur in the east and south of Afghanistan with a recent increase in activity in the central areas. The International NGO Safety Organisation (INSO) www.ngosafety.org issues regular security updates for NGOs.

There have been recent reports of sexual assault against females from EU countries working for non-governmental organisations (NGOs) in Kabul.

 

Air travel

All airlines from Afghanistan have been refused permission to operate services to the EU because Afghanistan is unable to ensure that its airlines meet international safety standards. FCO staff are advised to use carriers which aren’t subject to the EU operating ban.

A list of recent incidents and accidents can be found on the website of the Aviation Safety network. The FCO can’t offer advice on the safety of individual airlines. However, the International Air Transport Association publishes a list of registered airlines that have been audited and found to meet a number of operational safety standards and recommended practices. This list is not exhaustive and the absence of an airline from this list doesn’t necessarily mean that it’s unsafe.

 

Transiting UAE

Flying to Dubai and then transferring is the most common route into Afghanistan. It’s illegal to transit the United Arab Emirates carrying unlicensed personal protection equipment. This includes, but is not limited to, body armour (including ballistic vests), weapon holsters and handcuffs. Other specialist technical equipment such as satellite phones, listening and recording devices, powerful cameras and binoculars, while freely available in the UK, may also require licences. Persons found carrying any such items without a licence may be subject to conviction resulting in imprisonment and substantial monetary fines in accordance with Emirati law.

 

Crime

Crime is a serious concern, particularly in rural areas. Foreigners have been the victims of violent attacks, including armed robbery and rape. Don’t display any obvious signs of wealth, or carry large sums of money. Don’t travel alone, especially on foot. Take particular care after dark.

 

Local travel

If you’re travelling around Afghanistan, including Kabul, you should seek professional security advice and continually reassess your personal security. The British Embassy in Kabul operates under strict security protocols and always uses armoured vehicles; staff receive regular security briefings to enable them to carry out their work in as safe an environment as possible.

Hotels and guesthouses used by foreign nationals and the government of Afghanistan are subject to regular threats. The British Embassy doesn’t allow official visitors to stay in a hotel overnight and has placed restaurants and other venues off limits to staff. Make sure your accommodation is secure and review your security measures regularly.

Only travel with reputable local guides and to fully protected workplaces. Take the greatest possible care and vary your routines. Don’t publicise your travel, including on social media. If possible, maintain radio or telephone communications to report your movements. Avoid any protests, demonstrations or large gatherings.

 

Regions

The Foreign and Commonwealth Office (FCO) advise against all or all but essential travel to different parts of the country according to provincial region: Kabul

blue box  the FCO advise against all travel to the Surobi, Paghman, Musayhi, Khak-e Jabbar and Chahar Asyab Districts of Kabul province

blue box  the FCO advise against all but essential travel to the city of Kabul

If you’re travelling in Kabul, take particular care on Airport road, Jalalabad road and Darulaman road. Avoid travelling on Jalalabad and Darulaman roads during commuter or other busy times (around 6am to 8am, 9am to 11am and 3pm to 4pm local time), when traffic can be heaviest and the risk of an attack against government and western people or interests is most likely. Avoid travel between cities at night time. Avoid travelling along Airport road except for essential movements as attacks are likely throughout the day.

 

Terrorism

 

There is a high threat from terrorism. Multiple threats are issued daily. Terrorists and insurgents conduct frequent and widespread lethal attacks against Afghan National Defence and Security Forces (ANDSF), domestic and international political and civilian targets, and those working in the humanitarian and reconstruction fields. There is a threat from high-profile, large-scale attacks in Kabul.

Afghanistan-focused insurgents seek the full withdrawal of foreign forces in Afghanistan and the fall of the elected Afghan government. Other groups involved in the insurgency include the Haqqani Network, an Islamist insurgent group whose main goal is to re-establish sharia law in Afghanistan, and are allied with the Taliban. Separate to this, an affiliate of Daesh (formerly known as ISIL) has been active in Afghanistan. The group has conducted several attacks, mainly in the east of Afghanistan. The group also claimed responsibility for a high profile attack in Kabul in July 2016.

The insurgency has a strong anti-Western focus; this could make any UK interest or person a target. Attacks include bombs (roadside and other), suicide bombs (either on foot or by vehicle), indirect fire (rockets and mortars), direct fire (shootings and rocket propelled grenades), kidnappings and violent crime. Daesh is also fiercely hostile to the UK and other western countries.

There are large amounts of unexploded bombs and land mines (both anti-tank and anti-personnel) throughout the country.

You should be particularly vigilant in and around landmark locations and places where large public crowds can gather. Hotels used by the government of Afghanistan and western nationals, ministries, military establishments and religious sites have been attacked and further attacks are possible. Avoid regular visits to public places frequented by foreigners, including hotels, restaurants, shops and market places, especially at times of day when they are particularly busy and congested. The British Embassy does not allow official visitors to stay in any hotel overnight, and has placed restaurants off limits to staff.

 

Kidnap

The risk of being kidnapped throughout Afghanistan remains a very high and constant threat. Over 100 westerners have been kidnapped in Afghanistan since 2001, a number of them have been British nationals. The motivation and desire to undertake kidnapping in Afghanistan is likely to continue. You should take the utmost care, vary routines and avoid setting regular patterns of movement. You should take professional security advice while in the country.

The long-standing policy of the British government is not to make substantive concessions to hostage-takers. The British government considers that paying ransoms and releasing prisoners increases the risk of further hostage taking.

There is considered to be a heightened threat of terrorist attack globally against UK interests and British nationals, from groups or individuals motivated by the conflict in Iraq and Syria. You should be vigilant at this time.

 

Geotrust-FCA-FSCS