Travel Insurance That Actually Covers Conflict Zones
Most insurers quietly exclude high-risk destinations. IATI Travel Insurance does not. As an adventure travel company running tours to Libya, Iraq, Yemen, Afghanistan, and beyond, we partnered with the only insurer that truly covers every destination on our roster.
Automatic 5% off applied through our partner link. No coupon needed.
Why Travel Insurance Is Mandatory for Our Tours
RJ Travel LLC mandates travel insurance for every destination we operate in. You may use IATI or another provider for standard destinations. However, for destinations rated Orange Level 3 – Reconsider Travel or Red Level 4 – Do Not Travel by the US Department of State, IATI travel insurance is the only accepted policy. Without it, we cannot confirm your booking.
Orange Level 3 – Reconsider Travel
Lebanon, Saudi Arabia, Egypt, Pakistan, Ethiopia, Mauritania, Colombia, Nigeria, Niger, Honduras, El Salvador, Papua New Guinea, Jamaica, Trinidad and Tobago, Guatemala, Guinea, Guinea-Bissau, Guyana, Uganda, Chad, Burundi, Democratic Republic of the Congo, Israel, the West Bank and Gaza, Mexico, China, New Caledonia, Macau, and Nicaragua.
Red Level 4 – Do Not Travel
Iraq, Iran, Yemen, Afghanistan, Syria, South Sudan, Somalia, Libya, Russia, Burma (Myanmar), Venezuela, Mali, Central African Republic, Burkina Faso, Haiti, Belarus, North Korea, Ukraine, and Sudan.
RJ Travel LLC operates in compliance with UAE federal regulations and applicable international sanctions frameworks. As a licensed travel company (SHAMS License No. 2323876), we do not arrange, facilitate, or sell travel services — including tours, bookings, accommodation, visas, or travel insurance — to or for sanctioned individuals, entities, or their associates as designated under UAE, UN, EU, US, or UK sanctions regimes. We do not provide services to sanctioned nationals, sanctioned residents, or sanctioned entities of the following currently sanctioned jurisdictions: Cuba, Iran, North Korea (DPRK), Russia, Belarus, and the Donetsk (DNR) and Luhansk (LNR) regions of Ukraine.
Compare Travel Insurance Quotes Instantly
Select your trip details below to see real-time pricing across different coverage levels. Our comparison tool helps you find the right balance between cost and protection.
Iraq · 9-day group tour · 1 traveler · Prices updated live via IATI
Cancellation · Baggage · Delays
Prices shown are live estimates for Iraq · 9 days · 1 traveler. Your exact price may vary by age and trip dates. 5% discount applied automatically via our partner link.
What Does IATI Travel Insurance Cost?
Below are verified live prices for our group tours using IATI Adventure insurance. All prices are per person in EUR — use the comparison tool above for an exact quote based on your nationality and age.
| Tour | Days | IATI Backpacker | IATI Star |
|---|---|---|---|
| Libya Group Tour | 6 | €50 | €63 |
| Iraq Group Tour | 6 | €50 | €63 |
| Yemen Group Tour | 7 | €57 | €71 |
| Algeria Group Tour | 7 | €57 | €71 |
| Jordan Group Tour | 8 | €57 | €71 |
| Mauritania Group Tour | 8 | €65 | €78 |
| Morocco Group Tour | 8 | €65 | €78 |
| Afghanistan Group Tour | 10 | €86 | €103 |
All prices are in EUR. Purchase through our partner link and a 5% discount is applied automatically at checkout — no coupon needed.
Which IATI Plan Should You Buy?
At RJ Travel LLC, we recommend IATI Insurance for its unmatched coverage of high-risk and off-the-beaten-path destinations. Here is what sets IATI apart from every other travel insurer on the market:
Covers Conflict Zones
Iraq, Yemen, Afghanistan, Libya, and other destinations that mainstream insurers exclude from their policies.
All Nationalities Welcome
Whether you hold a US, EU, UK, Canadian, New Zealand, or any other passport, IATI provides full coverage regardless of your nationality.
Long-Term Coverage
Policies available for trips up to one full year. Ideal for backpackers, digital nomads, and extended adventure travelers exploring multiple regions.
Senior Travelers Covered
No age discrimination. IATI provides full medical and travel coverage for senior citizens, unlike many competitors with age cutoffs.
Adventure Sports Included
Trekking, hiking, desert excursions, and adventure activities are covered under IATI plans. Perfect for the type of experiences we offer.
Pre-existing Conditions
Unlike most travel insurers, IATI includes coverage for pre-existing medical conditions across all their plans at no extra charge.
IATI Coverage by Destination
Every destination we operate requires its own insurance considerations. Here is exactly what IATI covers for each of our group tour destinations.
IATI Insurance for Iraq
🔴 US State Dept Level 4 — Do Not Travel
Iraq is a Level 4 destination, meaning most standard insurers explicitly void coverage there. IATI is one of the only providers worldwide that maintains active coverage for Iraq, including medical emergencies, evacuation, and personal liability. We operate small group tours to Babylon, Ur, Erbil, and Baghdad — IATI is the only insurance we accept for this destination. Coverage includes emergency medical treatment at local hospitals, air ambulance coordination, and 24/7 assistance in English.
IATI Insurance for Yemen
🔴 US State Dept Level 4 — Do Not Travel
Yemen is widely considered one of the most challenging destinations in the world. Standard travel insurance policies exclude Yemen entirely — IATI’s Backpacker and Star plans cover medical emergencies, emergency evacuation, and trip interruption. Our 7-day group tours visit Socotra Island, which has its own distinct risk profile. IATI’s 24/7 emergency line is critical in a destination with limited infrastructure.
IATI Insurance for Libya
🔴 US State Dept Level 4 — Do Not Travel
Libya requires specialized coverage that virtually no mainstream insurer provides. Our 6-day group tours explore ancient Roman ruins at Leptis Magna and Sabratha — unforgettable sites that come with elevated risk. IATI covers emergency evacuation from remote areas, medical treatment, and trip interruption. Their Backpacker and Star plans are both valid for Libya.
IATI Insurance for Afghanistan
🔴 US State Dept Level 4 — Do Not Travel
Afghanistan is the most demanding destination on our roster. Our 10-day tours visit the Bamiyan Valley, Band-e-Amir, and Kabul. IATI’s Star plan is recommended for Afghanistan given the high potential cost of emergency medical evacuation from remote highland areas. Coverage includes full repatriation, emergency hospitalization, and 24/7 coordination support.
IATI Insurance for Mauritania
🟠 US State Dept Level 3 — Reconsider Travel
Mauritania is a Level 3 destination. While some standard insurers offer coverage, their exclusion clauses for political instability and remote desert regions make IATI the safer choice for our 8-day Sahara expeditions. IATI covers helicopter or air evacuation from the Saharan interior — a coverage detail most competitors skip entirely.
IATI Insurance for Algeria
🟠 US State Dept Level 2 — Exercise Increased Caution
Algeria is accessible to most standard insurers, but IATI remains our recommended provider given their track record with North African logistics. Our 7-day tours cover the Saharan south, including the Tassili n’Ajjer plateau. IATI’s Backpacker plan is suitable for Algeria given the remote terrain and limited medical infrastructure outside Algiers.
IATI vs. Other Travel Insurance Providers
Not all travel insurance is equal — especially for conflict zones. Here is how IATI compares against the most common alternatives our travelers ask about.
| Feature | ✅ IATI | SafetyWing | World Nomads | HeyMondo |
|---|---|---|---|---|
| Covers Level 4 “Do Not Travel” zones | ✅ Yes | ❌ No | ❌ No | ⚠️ Limited |
| Iraq, Yemen, Afghanistan, Libya | ✅ All covered | ❌ Excluded | ❌ Excluded | ❌ Excluded |
| Syria coverage | ✅ Yes | ❌ No | ❌ No | ❌ No |
| Pre-existing conditions | ✅ All plans | ⚠️ Partial | ⚠️ Add-on | ⚠️ Add-on |
| Adventure sports coverage | ✅ Included | ⚠️ Basic only | ⚠️ Add-on | ✅ Yes |
| Trips up to 1 year | ✅ Yes | ✅ Yes (monthly) | ⚠️ 180 days max | ⚠️ 180 days max |
| Senior travelers | ✅ No age limit | ⚠️ Up to 69 | ⚠️ Up to 70 | ⚠️ Up to 75 |
| Max medical coverage | ✅ €1,000,000 | $250,000 | $100,000 | €3,000,000 |
| All nationalities | ✅ Yes | ✅ Yes | ⚠️ Select countries | ✅ Yes |
| 5% exclusive discount | ✅ Via our link | ❌ No | ❌ No | ⚠️ Varies |
Comparison based on publicly available policy documents as of 2026. Always verify current terms directly with each provider.
What Travelers Say About IATI Insurance
Real reviews from verified IATI policyholders. These are travelers who tested the coverage and the claims process firsthand.
“Super easy to compare the different insurance plans and the buying experience is user friendly. The coverage aligned perfectly with our expectations.”
⭐⭐⭐⭐⭐ — Verified Traveler
“My luggage was mishandled and did not arrive with me. I submitted the claim to IATI, sent the documents, and received the full compensation within 3 weeks. Smooth process.”
⭐⭐⭐⭐⭐ — Verified Traveler
“A straightforward, transparent experience performed totally online. Simple, effective, great! We need more companies operating like this.”
⭐⭐⭐⭐⭐ — Verified Traveler
7 Reasons Why Travel Insurance Is Non-Negotiable
When you travel to remote or high-risk regions, the margin for error shrinks. Here is what proper travel insurance protects you against:
- Medical Emergencies Abroad — Hospital stays in remote regions can cost thousands. IATI covers up to 1,000,000 EUR in medical expenses.
- Emergency Evacuation — Air ambulance and medical repatriation are included at 100% coverage across all plans.
- Trip Cancellation — Protect your prepaid expenses if you need to cancel due to illness, family emergency, or other covered reasons.
- Lost or Delayed Baggage — Get compensated for theft, damage, or airline delays with coverage up to 2,500 EUR.
- Travel Delays — Missed connections and flight delays are covered, so you are never stranded without support.
- 24/7 Emergency Assistance — IATI operates a round-the-clock helpline for policyholders anywhere in the world.
- Personal Liability — Up to 60,000 EUR in private civil liability coverage protects you from third-party claims abroad.
IATI Insurance Plans at a Glance
IATI offers four core plans tailored to different travel styles. Here is a side-by-side comparison of key coverage limits:
| Coverage | IATI Basic | IATI Standard | IATI Backpacker | IATI Star |
|---|---|---|---|---|
| Medical Assistance | 50,000 EUR | 300,000 EUR | 500,000 EUR | 1,000,000 EUR |
| Dental Expenses | 100 EUR | 350 EUR | 350 EUR | 500 EUR |
| Pre-existing Conditions | Included | Included | Included | Included |
| Repatriation | 100% | 100% | 100% | 100% |
| Luggage Theft/Damage | 500 EUR | 1,000 EUR | 1,500 EUR | 2,500 EUR |
| Baggage Delay | 90 EUR | 120 EUR | 300 EUR | 300 EUR |
| Civil Liability | 30,000 EUR | 60,000 EUR | 60,000 EUR | 60,000 EUR |
| Accidental Death | 6,000 EUR | 6,000 EUR | 6,000 EUR | 4,000 EUR |
| Accidental Disability | 6,000 EUR | 6,000 EUR | 6,000 EUR | 18,000 EUR |
IATI Basic
Essential coverage for budget-conscious travelers. Includes medical expenses up to 50,000 EUR, baggage protection, and personal liability.
IATI Standard ⭐ Recommended
Our top pick for group tours. 300,000 EUR medical coverage, trip cancellation, baggage, travel delays, and missed connections included.
IATI Backpacker
Built for long-term travelers. Extended coverage up to one year with 500,000 EUR medical, adventure sports, and emergency evacuation.
IATI Star
Premium tier with 1,000,000 EUR medical coverage. Designed for destinations with high medical costs. Maximum protection for every scenario.
IATI also offers IATI Cancellation, a standalone trip cancellation policy to protect prepaid travel expenses if you are unable to depart due to covered reasons.
Frequently Asked Questions
Why does RJ Travel only accept IATI for conflict zones?
Most travel insurance policies that claim global coverage quietly exclude risk zones. For example, Emergency Assistance Plus (EA+) and similar North American policies do not cover countries with a U.S. Department of State Level 4 (Do Not Travel) advisory, including Iraq, Yemen, Afghanistan, and Syria. IATI is one of the very few insurers that provides genuine, verified coverage for these destinations, which is why it is the only policy we accept for high-risk tours.
What does IATI travel insurance cover?
IATI provides comprehensive coverage including medical emergencies abroad (up to 1,000,000 EUR depending on plan), emergency evacuation and repatriation at 100%, trip cancellation and interruption, lost or delayed baggage, travel delays and missed connections, personal liability up to 60,000 EUR, 24/7 emergency assistance, and coverage for adventure sports and pre-existing conditions.
Can I customize my IATI coverage?
Yes. IATI offers four core plans: Basic, Standard, Backpacker, and Star. Each plan has different coverage limits tailored to specific travel needs. You can also add IATI Cancellation as a standalone policy to protect prepaid travel expenses.
Which countries does IATI Travel Insurance cover?
IATI covers virtually every country in the world, including destinations that most insurers exclude: Syria, Iran, Afghanistan, Iraq, Yemen, Libya, Turkmenistan, Saudi Arabia, South Sudan, Somalia, and many more. This makes IATI uniquely suited for adventure travelers visiting off-the-beaten-path and high-risk regions.
What are the medical coverage limits?
Medical coverage ranges from 50,000 EUR on the Basic plan up to 1,000,000 EUR on the Star plan. All plans include coverage for pre-existing conditions, dental expenses, and 100% repatriation of the sick or deceased.
Does IATI offer 24/7 emergency support?
Yes. All IATI policyholders have access to a 24/7 emergency assistance hotline. Whether you need medical referrals, emergency evacuation coordination, or urgent travel support, their dedicated team is available around the clock from anywhere in the world.
How do I get the 5% discount on IATI Insurance?
Simply purchase your IATI policy through any of the links on this page. The 5% discount is applied automatically at checkout through our partner referral link. No coupon code is required.
Is travel insurance mandatory to book with RJ Travel?
Yes. As outlined in our Booking Conditions and Trip Agreement, all clients must hold valid travel insurance before departure. For standard destinations, you may use IATI or another provider. For destinations rated Level 3 or Level 4 by the US Department of State, IATI is the only accepted insurer.
Booking Conditions
As stated in our Booking Conditions & Trip Agreement, travel insurance is mandatory when booking any trip with RJ Travel LLC. Clients are responsible for obtaining adequate coverage and understanding the policy terms, conditions, and exclusions. RJ Travel LLC is not liable for expenses not covered by your travel insurance.
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