Foreign travel risk is the underwriter's assessment of mortality hazards tied to international destinations, including political instability, disease prevalence, altitude, transportation safety,and access to medical care. Applicants with repeated or long-duration stays in high-risk locales mayface surcharges or coverage limits, while well-documented, low-risk itineraries can secure more favorable terms.

For high-risk destinations, advisors submit cover letters detailing lodging, transport, and medical plans. Some carriers postpone until travel is complete. Thorough documentation reduces surprises and improves outcomes.