Before travelling to this beautiful landlocked country in the Caucasus, make sure you have the right Armenia insurance. Inadequate medical facilities, run down infrastructure and the unresolved dispute with Azerbaijan over Nagorno-Karabakh can present the visitor with a number of challenges and standard western insurance policies might not afford appropriate cover.

Armenia insurance – quick facts

  • An unresolved dispute with neighbouring Azerbaijan means that specialist insurance may be required if you are travelling to this border region
  • International health insurance in Armenia is strongly advised, along with cover for emergency evacuation
  • Road travel can be hazardous due to poor maintenance and safety standards

Get the right insurance for Armenia


  • Specialist Armenia insurance – cover can include personal accident insurance, medical evacuation and terrorism and kidnap provision for your people
  • We can cover your liabilities and your assets and help you to understand and meet contractual and local insurance obligations

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  • Due to Armenia’s inadequate health care system and other infrastructure shortcomings, high-risk insurance is essential for visitors and expats
  • We can cover you for life, personal accident, personal disability, medical emergencies, evacuation and other specialist insurance needs

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Potential problems in Armenia what risks might you encounter?

Armenia can boast one of the world’s oldest Christian civilisations and a rich cultural heritage born of the country’s position on the ancient Great Silk Road. Over the centuries its strategically important territory has been fought over and claimed by other powers, most recently by the Soviet Union until its rule collapsed in 1991.

Today, though largely peaceful, an unresolved dispute with neighbouring Azerbaijan over Nagorno-Karabakh can be a flashpoint of violence in Armenia. Insurance may need to include special provisions if you are planning to go to this border area due to the risk of sniper gunfire, mines and other unexploded ordnance.

In the capital, Yerevan, and other cities, political demonstrations can occur and have on occasion become confrontational. Crime, such as pickpocketing and burglary can be problem, and there are occasional shooting incidents involving organised crime. Although foreign nationals are not specifically targeted here, you are advised to remain vigilant and not to carry valuables.

Road travel has its dangers due to poor standards of both driving and road maintenance. You should also be aware that Armenian airlines might not comply with international safety standards.

Healthcare facilities are often inadequate and not equipped to deal with serious emergencies, so it’s imperative that you have evacuation provision as part of your medical insurance in Armenia.

For advice for companies talk to us. For individual policies get a quote.

Latest advice from the FCO

The FCO advise against all but essential travel to some border regions. There is a low threat from terrorism. Avoid all demonstrations and large public gatherings. You should take out comprehensive travel and medical insurance before travelling.

Latest FCO Advice