For many travellers, war is of no consequence, as long as it doesn’t conflict with the surfing, skiing, or abseiling. Hostile areas are not the most obvious places for non-essential travel, but with proper preparation and a bit of luck a conflict zone can offer the experience of a life-time. Keep in mind that it is very unusual for foreign non-combatants to be wandering around war zones. Even if you have no hostile intentions, your very presence may result in heated reactions. You may be mistaken for a spy. You may be seen as a soft target, since you do not have the backup of a large organisation.
Conflict and terrorism insurance is an absolute necessity when moving in hostile environments. Infrastructure is often minimal, and services are iffy, at best. Get good health insurance. The best policies cover medical evacuation and repatriation. Kidnap coverage is a good idea, because kidnapping is fundraising in many poor countries. If you decide to include K&R in your plan, be discrete. The best way to handle kidnapping is not to get kidnapped. Don’t be too flashy with your money, and avoid large public events, which may turn into demonstrations.
Read through your policy carefully, making sure it includes everything you need, and eliminate things you don’t. If you plan on having a driver, you don’t need car insurance. If you’re headed to Columbia, you need K&R coverage. Planning on climbing Mount Kilimanjaro? Be sure to get adventure sports coverage. If the country’s a little iffy, make sure that you’ll be covered should things suddenly head south while you’re on the road. Also check coverage for neighbouring areas, should you need to evacuate yours. Think about making a will before you leave.
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