Escape From Tarkov Insurance Explained

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Losing precious gear in Tarkov can be gut-wrenching. Picture this: you’re sprinting towards the Side Tunnel extract on Lighthouse, fully geared up with the best loadout you own, plus valuable loot you’ve gathered along the way. Just as victory seems close, a shot to the [HEAD, EYES] takes you down in an instant. Dreadful, right? Thankfully, Tarkov’s insurance system can help ease the blow, giving you a chance to recover items left behind if they weren’t looted.

This guide will cover the ins and outs of the insurance system in Tarkov, explain how to use it effectively, and show why it’s a smart move to insure items that are hard to replace.

Tarkov Insurance System Overview

In Escape from Tarkov, the insurance system offers a chance to reclaim gear lost in a raid, provided certain conditions are met. If you’re eliminated before the raid timer ends, you might recover insured items—unless another player loots them.

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Here’s a quick rundown on how it works – before entering a raid, you pay a fee to insure the items you want to protect. If you die and no one loots your insured items, you’ll get them back after a set time (from the NPCs that act as the insurers: Prapor or Therapist). Prapor offers a lower cost but a longer wait time, while Therapist charges more for faster returns, but we’ll come back to their intricate details later.

You can insure most gear, including armor, helmets, weapons, rigs, backpacks, magazines, and headsets, though ammo inside magazines isn’t covered.

Here’s a list of all uninsurable items:

Secure Containers – your guaranteed storage, unaffected by raid losses.
Keys – essential for accessing locked areas but not insurable.
Melee Weapons – always at risk if dropped or left behind.
Armbands – cosmetic items that won’t be returned through insurance.
Consumables:

Food/Drinks
Meds
Ammunition
Grenades

One important note – you can NOT insure your items for raids on The Lab.

And a second critical point to remember – if you end a raid with the Missing in Action (MIA) status, you won’t recover any insured items you had equipped. You’ll receive this status if you fail to extract before the raid timer runs out or if you die from dehydration.

Insured items are highlighted with a yellow border and a shield icon. If you retrieve an insured item, you’ll need to insure it again for future raids.

The insurance cost depends on the value assigned by the trader, meaning higher-value items will be pricier to insure. This system is helpful for retaining essential gear, especially when used strategically.

Insurance in Escape from Tarkov can be a lifesaver, helping you recover your gear after a raid gone wrong. If you’re taken out, any items you’ve insured will return to you, provided no one else picks them up. It’s a way to protect your investment in gear, which can be invaluable in a game as punishing as Tarkov.

How To Ensure Your Items In Escape From Tarkov

To insure your items before a raid, you have two options: right-click an item in your stash to select “Insure” or use the pre-raid screen.

This is how the pre-raid screen looks with items before they are insured. As an example, Prapor has been chosen as the insurer.

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Here’s how everything looks after being insured. There’s also a list to the right that shows all the insured items.

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Many players prefer the convenience of the “Insure All” option on the pre-raid screen, as it covers all eligible gear at once, but this option might be a little costly if you’re going into a raid while fully kitted out.

Choosing Between Prapor And Therapist

In Tarkov, you can choose between two insurers – Prapor and Therapist, each with distinct advantages.

Criteria	Prapor	Therapist
Price Policy	Lower Cost	Higher Cost
Return Time	24-36 Hours (standard game edition)	12-24 Hours (standard game edition)
Storage Time	4 Days / 96 Hours 16 days / 386 Hours (“The Unheard” game edition)	6 Days / 144 Hours 24 days / 576 Hours (“The Unheard” game edition)

Upgrading the Intelligence Center to Level 2 in your Hideout significantly reduces item return times for insured items:

Prapor – reduced to ~19-29 hours (or ~17-26 hours with elite Hideout management) from the original 24-36 hours.
Therapist – reduced to ~10-19 hours (or ~7-14 hours with elite Hideout management) from the original 12-24 hours.

Your choice of insurer should depend on your play style and schedule. If you log in daily, Prapor’s wait time might be fine, but for less frequent players, Therapist’s quicker returns can be a better fit. Additionally, upgrading the Intel Center in your Hideout reduces return times for both Prapor and Therapist.

Strategy

Take advantage of the insurance system, even early on. It’s always a good idea to insure your gear, especially if your choice of higher-tier items is limited.

Savvy players can make the most of insurance in Tarkov by hiding their insured items on the map. Stashing insured items in a hidden or hard-to-spot location can greatly reduce the chances of them being looted by others. When these items aren’t on your body, they’re much tougher for other players to find. This tactic is especially useful for guns or magazines that are empty, as they’re less valuable and less likely to be taken if they’re well-hidden.

This tactic becomes even more effective with teammates. Squad members can pick up your insured gear and stash it securely to guarantee it remains undetected. Just remember that consumables like ammo, meds, and grenades aren’t covered by insurance, so they won’t be returned.

In some situations, like If you realize you won’t make it to extraction on time, discard your insured gear in a hidden spot. This way, if other players don’t find it, you’ll still have a chance to get it back.

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Conclusion

In Escape from Tarkov, the insurance system offers a valuable way to recover gear lost during raids, giving you a second chance at retaining your equipment. By understanding when and how to insure, as well as making use of strategies like stashing insured items, you can better protect your assets. Use insurance wisely to make each raid less costly and more rewarding in the long run.

Don’t miss out on more EFT guides:

F.A.Q.

What is insurance in Escape from Tarkov, and how does it work?

Insurance allows you to recover items lost in a raid if they aren’t picked up by other players. Insured items get returned to you within a certain timeframe, depending on the insurer you choose.

Who are the insurers in Tarkov, and what are the differences between them?

You can insure items with Prapor or Therapist. Prapor is cheaper but takes longer to return items (24-36 hours), while Therapist is faster (12-24 hours) but charges more.

What items can’t be insured in Tarkov?

Some items like secure containers, keys, armbands, melee weapons, and consumables (ammo, meds, grenades, and provisions) can’t be insured.

What happens to insured items if I don’t extract in time?

If you get a “Missing in Action” status by failing to extract or dying from dehydration, your insured equipped items won’t be returned. It’s best to drop insured gear if you can’t extract in time.

How can I maximize my chances of getting insured items back?

Consider hiding insured items in hard-to-spot places if you find better gear. This tactic, especially when used with teammates, improves the chances your items will remain undiscovered and be returned to you.