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Ten Countries Where Travel Insurance Will Not be Able to Assist You Unless You go at Your Own Risk

Ten Countries Where Travel Insurance Will Not be Able to Assist You Unless You go at Your Own Risk

The Foreign and Commonwealth Office compiles a comprehensive list of countries that should not be visited on a frequent basis, and it is from this list that our underwriters, as well as those of other global travel insurance providers, determine which countries should be covered by travel insurance. We take a look at the government's travel advice and determine whether or not we can offer insurance to passengers based on that information.


Despite the fact that global travel insurance by its very nature covers the bulk of the globe, the present political environment means that there are certain locations where the probability of an event means that UK travel insurance companies are unable to give protection. Fortunately, the majority of famous vacation spots are not included on the list, so you won't have to worry about your big vacation plans being jeopardized. Business travelers are the ones who are most likely to have their trip plans changed as a result of the Foreign Office's travel advice.

Even if it means missing out on economic opportunities, the Foreign Office advises against traveling to the following countries: The chance of being caught in one of the warzones mentioned below is just too high to make the benefit worth the risk:

Our list of the top ten nations to avoid going to, along with an explanation of why they are so dangerous. Although the evidence is far from clear (the Foreign Office's travel advice includes many more nations), these are the countries that I believe all visitors should avoid like the plague:

1. Liberia

In Liberia, economic hardship is now causing outbreaks of violence to be more frequent, and foreign nationals (particularly westerners) are in danger of becoming targets because of their wealth. Because of the increased chance of an event occurring, no UK travel insurance company would take the risk of providing you with coverage if you chose to go to Liberia.

2. The country of Nepal

Because of sporadic incidents of terrorism and political violence in metropolitan areas, Nepal is off-limits to anyone looking to get travel insurance while there. In September of this year, three bombs went off almost simultaneously in the Nepalese city of Kathmandu, killing three people and wounding a large number of innocent bystanders.

3. The country of Haiti

Haiti is regarded as off-limits to many visitors because of the high danger of kidnappings and civil instability that are prevalent there, as well as the expensive cost of travel. Currently, there have been twelve kidnappings of American tourists this year, most of which have been criminal in character. It has previously been reported that these kidnappings resulted in physical and sexual abuse and shootings. The potential for spontaneous rallies and demonstrations to end in unanticipated violence has also been documented at any time of day or night. It should come as no surprise that the government's travel advice is to avoid visiting this country!

4. Yemen

Westerners are urged to avoid traveling to Yemen because of the high levels of terrorist activity in the country. If this is not feasible, all tourists are advised to be alert and to maintain a low profile in order to prevent being attacked or kidnapped by criminals. The situation is so critical that the United States Embassy often prohibits American citizens from visiting specific hotels, restaurants, and shopping districts in the country.

5. The State of Israel

In recent months, there has been a great deal of violence between Israeli and Palestinian groups in both the Gaza Strip and the West Bank, with killings, kidnappings, and violent protests taking place in both locations. A travel ban on Israel is generally advised because of the region's ongoing instability. In addition, the danger of kidnapping or worse makes travel insurance almost impossible to acquire.

6. Thousandth Democratic Republic of Congo

With violence, neglect, and corruption plaguing the nation, it is still one of the most hazardous locations to visit in Africa. The Democratic Republic of Congo has been severely harmed as a result of these factors. Fighting erupted on the streets of Kinshasa in March of this year, and the situation continues to be unpredictable despite the immediate threat of violence abating. Traveling outside of Kinshasa is difficult and hazardous due to insecure security, particularly in the north, which makes it tough to travel. Any tourist courageous enough to go to the Democratic Republic of the Congo should exercise great caution, avoid the North Kivu region, which is the background of an armed struggle between government forces and army rebels, avoid crowds, and keep a careful watch on local news outlets.

7. The Republic of Burma (Myanmar)

Even if the human rights situation makes Myanmar an unethical location to visit, there is currently a significant amount of personal danger associated with doing so. Protests against the administration erupted throughout the country in September, prompting a violent response from police that garnered worldwide attention. It is still a risky time to travel to the nation, despite the lifting of the dusk-to-dawn curfew that had been in effect in parts of the cities. It is also difficult to locate a worldwide travel insurance provider that would cover you.

8. Colombia 

Colombia continues to be one of the most hazardous locations in the world to visit because of the high level of crime that exists in the nation. As a result of the illicit drug trade in urban areas such as Cali and Buenaventura, there is a high risk of violence in these areas, while visitors to the country are at risk from narcoterrorist groups who will frequently kidnap civilians for ransom or to gain media attention in the more rural areas. Naturally, travel insurance firms in the United Kingdom are reluctant to provide coverage to passengers who choose to disregard these warnings and go to Colombia nonetheless.

9. Afghanistan

With memories of the war on terror in Afghanistan still vivid in the minds of many, it should come as no surprise that the nation continues to be a major no-go zone. Tourists from Western countries are easy targets for kidnappings and assassinations, since many of the dissolved Taliban and Al-Qaeda units remain on the loose and opposed to the new government. Aside from that, the nation remains dangerous as a result of the presence of tribal groupings, explosive devices, landmines, military activities, and terrorist actions. Surprise, surprise, the government's travel advice is to avoid traveling to this country at all costs!

10. Iraq

Given the high-profile nature of western kidnappings by different rebel groups, as well as the frequent acts of terrorism and animosity against Western soldiers, it should come as no surprise that no travel insurance firms would cover tourists heading to the unstable nation. Multiple organizations are responsible for the instability; Ba'ath regime relicts, transnational terrorists, and criminal elements have all been known to assault convoys en route to locations like concert venues, hotels and restaurants, checkpoints, and police stations.

While these less-visited destinations are unlikely to have an impact on vacationers, their riskiness implies that business travelers will be forced to forego travel insurance if they are unable to cancel their visits.

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