Volunteer Travel Insurance for High-Risk Destinations
Get your Volunteer Travel Insurance today with High Risk Voyager!
4 Options available including:
Optional Enhanced Personal Accident Cover, Optional Personal Liability & Legal Expenses, Optional Trip Interruption & Disruption Cover, Optional Winter Sports Cover...see all
Why Choose Able2Travel?
- Specialists in travel insurance for people with existing medical conditions
- Full Cover available for 1,000s of conditions
- Instant cover by telephone or quick and easy online screening in a few minutes
- Great value cover also available for you and everyone travelling with you
Volunteer Travel Insurance
Volunteer Travel Insurance for High-Risk Destinations
Specialist Cover for Volunteering Abroad in Challenging or Remote Regions
Our Volunteer Travel Insurance is designed specifically for people working in higher-risk environments — including fragile, remote, and politically unstable areas where others may not provide cover.
Volunteering abroad is a rewarding way to experience the world while making a real difference. whether you’re rebuilding communities, supporting conservation efforts, or delivering education and healthcare in areas with limited resources.
But if you’re travelling to a remote location, conflict-affected region or anywhere the Foreign, Commonwealth & Development Office (FCDO) advises against travel, standard travel insurance likely won’t cover you. That’s where High Risk Voyager comes in.
Why Choose High Risk Voyager for Volunteer Travel Insurance?
High Risk Voyager is tailored for situations where standard travel insurance for volunteers may fall short. Whether you're on a gap year, a charity assignment, or a long-stay placement, we’ve got you covered.
- Cover available for destinations under FCDO travel advisories
- Up to £1,000,000 Emergency Medical Expenses & Medical Evacuation
- FREE access to the NGS SOS App Plus for emergency assistance
- Designed by global risk specialists for unpredictable environments
- Flexible policies to match the nature and duration of your trip
What Types of Volunteering Does This Insurance Cover?
Our policies can cover a wide range of volunteering roles — even those involving physical work, animals, or vulnerable communities:
Manual & Construction Work
- Supervised use of hand tools and light machinery
- Building and renovation projects – contact us to see if cover is available
- Infrastructure repair – contact us to see if cover is available
Animal-Related Volunteering
- Wildlife conservation and rescue
- Light farm work if involving animals or heavy equipment – contact us to see if cover is available
- Veterinary and animal care assistance
Community & Education
- Teaching English or other subjects
- Childcare, elder support, or outreach work
- Health and hygiene promotion programmes
Note: High-risk tasks such as working with dangerous animals or heavy machinery may require pre-approval. Contact us to confirm you're covered.
Where Does Volunteer Travel Insurance Apply?
High Risk Voyager is built for challenging destinations — places where standard insurers may decline cover.
Countries Under FCDO Advisories
- Areas where the FCDO advises against ‘all travel’ or ‘all but essential travel’
- Post-disaster zones or conflict-affected regions
- Destinations with ongoing political or civil unrest
Remote or Underdeveloped Regions
- Fragile or unstable environments
Ideal for:
- Gap year students
- Charity and NGO workers
- Long-term or repeat volunteers
- Career breakers with meaningful placements
What’s Included in High Risk Voyager Volunteer Travel Insurance?
| Benefit | Cover Limit |
| Emergency Medical Expenses | Up to £1,000,000 |
| Medical Evacuation & Repatriation | Up to £1,000,000 |
| Political & Natural Disaster Evacuation | Up to £10,000 |
| Hijacking, Mugging, Piracy & Wrongful Detention | Up to £2,500 |
| Personal Accident Cover | Up to £15,000 |
| PTSD Counselling (after hostile event) | Up to £25,000 |
To view the full Table of Benefits and optional upgrades, please read our Policy Wording.
Travel With Confidence. Cover What Matters Most.
With High Risk Voyager’s volunteer travel insurance, you can focus on your mission — whether you’re rebuilding, rescuing, or teaching — while we handle the risks behind the scenes.
Protect your plans. Cover your risks. Travel with confidence.
High Risk Voyager Snap-Shot Features
High Risk Voyager features a range of great benefits as standard. High Risk Voyager also features some great add-ons for you to tailor your policy - meaning you only pay for the additional cover you need.
- 24/7 Quick and Easy Secure Online Quote and Buy Facility
- ‘NGS SOS App Plus’ 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
- Includes participation in over 100+ leisure activities (non-professional)
- Choice of up to 4 Territorial Zones of Cover including war, crisis and disaster relief zones
- 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
- + Lots more
More High Risk Voyager Details
At High Risk Voyager, we aim to provide travel cover to high-risk destinations when other Travel Insurance Providers say no.
We can provide travel insurance for individuals or groups who are travelling to destinations that are considered to be high-risk or where the FCDO has advised against ‘all travel’ or ‘all but essential travel’. So, whether you're travelling to high-risk locations for business or leisure purposes, we can offer policies to you.
Many industries, such as Oil, Gas and Mining, operate in volatile locations of the world meaning that their staff will require a travel insurance policy that will cover them when they travel to these locations.
Similarly, people may need to travel to these areas for leisure purposes for example travelling to visit relatives or go on an adventure tour.
For these reasons and many more, we developed High Risk Voyager after close consultation with risk management companies who specialise in advising organisations travelling to these hostile locations and insurance industry experts, to help provide travellers to high risk areas with the cover they need.
It's quick and easy to get a quote with High Risk Voyager, with no long forms to fill in just our simple online quote system, you can get your High Risk Voyager Travel Insurance quote without delay, or you can speak to our highly trained High Risk Voyager Travel Insurance specialists will provide you with a fast, friendly, and professional service at competitive pricing.
Important Information for Customers with Serious Medical Conditions
MoneyHelper has developed a directory of specialist Travel Insurance to ensure customers with pre-existing medical conditions are easily able to obtain access to affordable Travel Insurance. If we are unable to help you and you are struggling to find medical cover that suits your needs, due to a serious medical condition, you may find a company that can help you through the MoneyHelper Travel Insurance directory www.moneyhelper.org.uk/en/everyday-money/insurance/travel-insurance-directory or by calling 0800 138 7777 - Monday to Friday, 8am – 6pm.
Optional Volunteer Travel Insurance Policy Add-Ons.Increase the protection your Volunteer Travel Insurance policy provides with our policy add-ons.
Optional Enhanced Personal Accident Cover
Add Enhanced Personal Accident Cover Option to increase the limit of cover in case you suffer a life changing accident while on your trip.
Optional Personal Liability & Legal Expenses
Add Personal Liability & Legal Expenses Cover Option to your High Risk Voyager policy for cover to a pursue a legal case if a 3rd party injures you or damages your property.
Optional Trip Interruption & Disruption Cover
Add Trip Interruption & Disruption Cover for extra protection if your trip is affected by strikes or natural disasters.
Optional Winter Sports Cover
Add Winter Sports Cover Option if you plan on taking part in winter sports, such as skiing, whilst on your trip!
Frequently Asked Questions About Volunteer Travel Insurance
1. Can I get travel insurance for volunteering in Africa or South America?
Yes. We can cover most destinations worldwide, including areas considered too risky by other insurers. Please check with us before booking.
2. Can I get cover for working with wild or dangerous animals?
Yes, provided it's within a structured, registered environment such as a wildlife sanctuary or conservation programme. Contact us to confirm.
3. Does this policy cover construction and manual volunteering?
Yes. Supervised building work, infrastructure repair, and light machinery use are covered — subject to policy terms.
4. Is personal liability included while volunteering?
No. Personal liability cover does not apply to incidents arising from voluntary or paid work.
5. What if I’m volunteering in a war zone or disaster area?
That’s exactly where High Risk Voyager steps in. We provide cover for travel to high-risk areas, subject to approval. Let us know the details of your trip and role to confirm eligibility.
6. Is long-stay volunteering covered?
Yes — we offer policies of up to 12 months for long-term volunteering placements.
Know Your High Risk Voyager Travel Insurance Zones!
The Zones on High Risk Voyager Travel Insurance are determined based on the risk of visiting that country, such as political stability. It is important that you select the correct Zone when buying your policy to ensure you have the correct cover in place. Click the button below to find out which zone your destination is in.