Spare your money. If anything happens to you in countries like Pakistan, Afghanistan, Iraq, even Iran, Yemen and a lot in Africa, especially the Sahel belt, any insurance, and i mean ANY, will back off and refrain from even touching your entitlement with a chopstick.
The officially declared "warzones" and the zones that will arbitrarely and in the aftermath of an event be declared "risk zones" have two completely different maps!
I wouldn't trust any insurance more than EK, and that eans a lot.