High-risk Travel Insurance - Sovereign Insurance Services

Travel to high-risk destinations, where the Foreign, Commonwealth & Development Office (FCDO) formally advises people against ‘all but essential travel’ or ‘all travel’, is excluded under standard travel insurance policies. High-risk destinations are dangerous, remote, and challenging locations worldwide, including war zones, crisis or disaster relief zones, or regions recently affected by political unrest or terrorist activity.

If you are travelling to a high-risk destination, in either an individual capacity or as part of a group, you will need specialist travel insurance protection to ensure that you are protected if things go wrong. High-risk travel insurance is essential for professionals such as journalists, photographers, charity or aid workers, interpreters or anyone travelling to high-risk destinations for business purposes.


HET is known for providing top quality hostile environment training to companies, NGO’s and government agencies to assist employees when they are exposed to hazardous situations away from home. As an important extension of these services, we have partnered with Sovereign Insurance Services (SIS) to access specialist insurance products to cover the personal safety and wellbeing of employees and consultants when operating in high-risk zones.

These products include, but are not limited to:

  • Medical Cover
  • Personal Accident Cover
  • Evacuation / Repatriation Cover
  • Additional Expenses Cover for expenses arising from an emergency
  • Kidnap & Ransom Cover
  • Wrongful Detention Cover
  • Emergency Assistance facilities
  • Legal Expenses Cover
  • PTSD Assessment / Counselling Cover following a hostile event

Whether working, travelling or living abroad, employers have a duty of care to ensure that their staff have the knowledge and tools to deal with the unique challenges and risks they may face. Gibraltar-based SIS will provide tailored and cost-effective insurance products to meet the specific needs of clients in this specialised area. These will be provided on a confidential basis to avoid any undesirable publicity.

If you require high-risk travel insurance, or would like further information, please contact HET who will introduce you to SIS or you can contact the SIS security team directly, by e-mail to secure@sis.gi or by telephone on +350 200 52908, quoting ‘HET Secure’.

SIS is the insurance broking subsidiary of the Sovereign Group, the leading independent provider of corporate, private client and retirement planning services worldwide. Sovereign offers integrated advice, products and services to internationally mobile businesses and people that have complex needs. It currently manages over 20,000 structures for a wide variety of clients and has assets under administration of more than £20 billion.