Everything About Insurance in Escape From Tarkov

Escape From Tarkov is a hardcore FPS and can prove quite challenging especially for newer players. It’s unforgiving combat often means you may end up losing a lot of your important equipment in raids. A way to protect your loot if you die during a raid is to use the insurance mechanic available in Escape From Tarkov. Here is all you need to know about how insurance works in Escape From Tarkov.

Insurance in Escape From Tarkov

Weapons, armor, vests and other such gear that need to be equipped on your character for use during the raid can be lost if you die before you extract. You can insure such equipment with two traders in Tarkov; Therapist and Prapor. Before deploying for a raid, you have the option to insure your Earpiece, Headwear, Face cover, Body armor, Eyewear, Tactical Rig, etc.

You cannot insure secure containers, Keys, Armbands and Melee weapons. Once you approach your desired traitor for insurance, there is a “insure all” button that will cover whatever qualifies. All insured loot will have a gold shield icon on it. Prapor is slightly cheaper to insure with, however, he takes longer to give you back your items (20-29 real-time hours) while the Therapist will give you back your gear in 10-20 hours. You have 72 hours to reclaim your gear if you die in a raid with Prapor compared to the 144 hours with the Therapist. 

Note that items are returned only if nobody looted them after your death and before the end of the game session. Items are also not returned if you go MIA (Missing in Action). You’ll get this status if you do not leave the location before the in-game timer expires. Additionally, if you die or drop your insured items in The Lab, they cannot be returned to you. 

If you find better gear while out raiding, there is a way for you to keep the insured items. If you have an insured helmet but find a better one, hide the insured one somewhere on the map so it returns after the match. Even if you don’t extract, the insured helmet will be returned to you within the recovery time frame.