I'm trying to research options for enhanced travel insurance that is valid for regions with cautionary "advise against non-essential travel" warnings. Every approach I've tried had found nothing, usually because of mountains of country-specific warnings and SEO spam clogging the results.
Does this type of insurance have a specialist name I could search for? Are there companies (or, types of companies) that specialise in this type of insurance that I could use to start browsing? And is there anything I should know about this kind of insurance? For example, I imagine the main market is high-risk professions like NGO workers and correspondents, maybe it's normally arranged business-to business not business-to-consumer? (in which case I should use a different research strategy)
Background: Travel insurance is usually invalidated if a person travels to a location that has a government travel warning from their government. Sometimes, governments are overzealous or clumsy with how they apply these warnings.
For example, I'm in a situation where an entire region is subject to a warning (from UK FCO) - including a national park - because there were riots in the capital city of that region 3 years ago.
It's the equivalent of saying that anyone travelling to the Canadian Glacial National Park should have their insurance invalidated because there were riots in Vancouver a few years ago and they are in the same province (but applied to a country with less diplomatic clout than the Canadas of the world, so I can't see the ruling changing any time soon...).
I want to continue to be insured against the ordinary hazards, risks and medical bills that could be faced while travelling (and I don't mind paying extra if necessary), but my searches for this kind of insurance have come up a compete blank. I'm looking for a pointer on how to find it, what it's called, if it even exists as something individuals can buy...
Edit: there was a question in the comments about whether the invalidation of the travel insurance is linked to the reason for the travel warning (e.g. if the travel warning exists because of riots, would your insurance only be invalidated for riot-based problems?).
My strong suspicion, and the advice I've read in articles, is that it's simply based on entering the area with the warning. My travel insurance terms and conditions state it as essentially "All clauses of your travel insurance are void if.... [various things most people would never do] ... X. Your circumstances are a consequence of failing to follow official travel warnings."
That's kinda vague but I would imagine it tends to side with the guys with the biggest lawyers - which won't be you if you're in a hospital needing medical evacuation (or worse). There's a lot of subjectivity there - anything that happens to you in a region could be argued as a consequence of going there.
I would be amazed if other insurance companies were more generous unless they made a point of marketing products designed for travel to such regions.