Travel Insurance: Russia

Travelling to the World Cup is any football fan’s dream and the 2018 World Cup in Russia is no exception. But at nearly 11% of the world’s landmass, Russia is the largest country in the world, so you’ll need to plan your trip thoroughly.

Do I need travel insurance for Russia?

You need travel insurance for Russia. This is a legal obligation, and you’ll need proof of your travel insurance in order to get your visa and enter the country. As with any other trip, it’s wise to get insured as soon as you book your holiday rather than waiting to sort it in the taxi to the airport.

If you are travelling to Russia specifically for the World Cup, you should have a Fan ID. Although the World Cup Fan ID provides visa-free entry to Russia, travel insurance is still an essential.

Does the EHIC card work in Russia?

Your EHIC (European Health Insurance Card) will not work in Russia, as the reciprocal healthcare agreement between the UK and Russia ended in January 2016. This means you will need comprehensive travel insurance when visiting Russia.

How does travel insurance work in Russia?

As Russia is such a large country, travel insurance tends to be sold by region, rather than the country as a whole. Russia is split into a European side and an Asian side by the Ural mountain range, and so travel insurance usually covers East of the Urals or West of the Urals.

When buying travel insurance for Russia, it’s important you get covered for the right part of Russia.

If you already have a travel insurance policy in place, check to make sure it includes Russia. Cover for Russia may be included in a European policy, or may require a worldwide policy, depending on your provider.

Where will the 2018 World Cup be held in Russia?

The World Cup will be held across 12 stadiums – all of England’s games are West of Urals, which makes it easier when finding a travel insurance policy for your Russian holiday.

The only stadium which would require East of Urals travel insurance is Yekaterinberg, so if you are attending a match there, you might find your travel insurance cost to be slightly higher.

You can see a list of the Russia World Cup stadiums below, along with their nearest airports:

What should my travel insurance policy for Russia include?

According to the Foreign and Commonwealth Office, around 150,000 British citizens visited Russia in 2015, and most visits are trouble-free. While most trips to Russia pass without incident, it’s worth protecting yourself against all outcomes, as it will mean you can fully relax and enjoy your holiday.

It’s mandatory for your travel insurance to cover medical expenses – but you should be sure to include cover for things like lost baggage, cancellation and theft.

Your travel insurance policy should include cover for:

• Medical expenses.
• Cancellation or curtailment of your holiday.
• Delay or missed departures for reasons outside your control (like extreme weather).
• Repatriation to the UK in case of ongoing medical treatment.
• Lost or stolen baggage.
• Loss or theft of passport.
• Personal liability cover.

It’s common for travel insurance policies to exclude certain things. You should always check the exclusions in the policy wording to make sure you won’t invalidate the cover or travel under-insured. Common exclusions include:

• Pre-existing medical conditions.
• Unexpected incidents such as terrorism or natural disasters.
• Accidents or injuries that occur under the influence of alcohol.
• Travel to locations that the FCO has warned against visiting – in Russia these areas are: within 10km of the border with the Ukrainian Kharkiv Oblast and North Ossetia, Karachay-Cherkessia and Kabardino-Balkaria (including the Elbrus area).
• Accidents or incidents related to adventure sports.

Tips for visiting Russia during the World Cup

• Sign up to The Foreign and Commonwealth Office email updates for Russia travel advice so you can be kept up-to-date on the latest news and advice.
• Be vigilant to petty crimes, such as pick-pocketing, mugging and other sorts of street crime, and avoid carrying expensive items around.
• Look after your passport at all times, and make sure it’s valid for at least six months after the expiration of your visa.
• If you plan to drive while visiting, read our guide to car insurance in Russia.
• Make sure you have your FAN ID. You need this for entry to the World Cup games and it will also give you free train travel on selected trains.
• Remember to register in every host city within 24 hours of arriving. This is generally done by your hotel or guest house, but it’s your responsibility to make sure it’s done.
• The number for emergency services in Russia is 112. Make sure you have a Russian speaker around, as the call-takers will only speak Russian.
• Let your bank know you are travelling.
• Check with your mobile phone provider if you want to use your mobile phone abroad.
• Read the full FCO guide to visiting Russia during the World Cup.