Please be advised that it is highly unlikely that any travel insurance you obtain for North Korea (DPRK) will provide adequate coverage for medical evacuation. In the event of illness or injury requiring evacuation, Koryo Tours will assist in locating medical care within the country to stabilise the affected individual and facilitate their transport via train, vehicle, or scheduled flight, to a hospital in a country where their insurance is valid, provided the illness or injury is recognised as having occurred in the country. Koryo Tours is not responsible for any costs associated with medical care, transport, or evacuation. While we will make every effort to assist, all expenses incurred will remain the responsibility of the traveller. We strongly recommend that you review your insurance coverage thoroughly before travel.

Koryo Tours cannot be held responsible for any mishap to yourself or your property and in particular any consequence or effects of flight/train cancellation/delay, robbery, sickness, Government intervention or other such happenings.

It is a condition of booking with Koryo Tours that you insure yourself against any possible risk that may occur and in particular to ensure that sufficient insurance has been obtained in respect of any dependent relatives. It is your responsibility to ensure that your insurance policy;

• Covers medical expenses and the cost of repatriation should you become too ill or physically unable to continue

• Covers you for the full duration of your trip with Koryo Tours

• There are no exclusion clauses limiting or excluding protection for the countries you are traveling to, and the activities that are included in or are optional on your trip

You must ensure that your travel insurance meets your particular requirements. It is recommended to arrange supplementary insurance if need be.

Any claims must be directed to your insurers. We will require you to sign a form stating that you have adequate insurance coverage and that Koryo will not be held liable for any medical expenses you may incur.

No matter whom you arrange your insurance through Koryo Tours needs to know the details of your insurance policy so that we can assist in the event of an emergency. We will ask you to provide these details to us.

When obtaining your own insurance policy, it is recommended to confirm the following is covered or included with the insurance policy;

• It covers you for travel to North Korea (DPR Korea), or the country you are traveling with Koryo Tours too

• It covers you for any sporting activities that are included as part of your tour such as amateur marathon participation, skiing, hiking, cycling, horse riding, or any other sports activities - check your planned itinerary to confirm what activities you need coverage for

• It covers you for emergency medical evacuation to or via a third country

• In the event of emergency medical evacuation, the amount the insurer covers for this is at least 100,000 EUR

Koryo Tours cannot advise you if a specific insurance policy is suitable or not – this is solely the responsibility of the person purchasing the insurance policy. It is recommended to contact the insurance company to confirm with them directly if you are unsure or have doubts.

If you have a medical condition which may affect your health or safety in North Korea you must inform us before you complete your visa application regardless of who you arrange your insurance through.