Going abroad? Protect your trip with travel insurance

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Going abroad? Protect your trip with travel insurance

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What is Travel Insurance?

Travel insurance is a type of general insurance that covers the financial costs of different losses you face while traveling. This is inclusive of, but not limited to, emergency medical expenses, loss of personal effects, any personal liability, flight delays, accommodation issues, and emergency financial assistance. 

Travel Insurance in UAE

Travel insurance in Dubai is much like travel insurance plans found in any other corner of the world. It is about ensuring your safety as well as your belongings as soon as you set out on a journey to another city, country, or even continent. Most travel insurance providers in UAE offer different types of travel insurance packages catering for travels to a certain group of countries or places. The basic covers include flight delays and cancellations, baggage loss, medical emergencies, and other unforeseen occurrences. 

Top Travel Insurance Quotes in Dubai

Al Hilal Travel Gold Annual

Individual
  • Medical Cover$100,000
  • Max Duration 92 days/trip
  • Baggage Loss : $1000
  • Trip Cancellation : $1,000
  • Coverage Area : Worldwide
  • Personal Accident Cover : $25,000
Starting from AED 599

AIG Insurance Annual Platinum

Family
  • Medical Cover$500,000
  • Max Duration 90 days/trip
  • Baggage Loss : $2500
  • Trip Cancellation : $5,000
  • Coverage Area : Worldwide
  • Personal Accident Cover : $1,50,000
Starting from AED 823

Watania Travel Annual Program 1

Individual
  • Medical Cover$500,000
  • Max Duration 30 days/trip
  • Baggage Loss : $2000
  • Trip Cancellation : $5,000
  • Coverage Area : Worldwide
  • Personal Accident Cover : Adult: $50,000 / Child: $5,000
Starting from AED 1,053
See More Quotes >>>

Key Features and Benefits of Travel Insurance in Dubai

From medical assistance of any level to compensation from big or small trip-related challengers, explained below are the top features and benefits that travel insurance in UAE showcases:

Additional Security on Your Trip 

No matter how many times you have travelled in your life or how many new places you have visited, it is always a little uncomfortable to travel to a new place. Not to mention, a new and unfamiliar place may bring a few troubles to you which could be out of your hand to solve. Having travel insurance for yourself adds a rather thick layer of security and protection to your trips and make the travels safe. 

Emergency Support

Travel insurance can offer a great of assistance in face of an emergency, no matter the type. Whether you need emergency treatment for an illness, emergency evacuation to the home country or any other kind of support, travel insurance proves to be of great use. 

Mandatory Requirement for Travelling

If not every, many countries in the world, like Russia, Turkey, Thailand and Egypt, require the tourists to have travel insurance. Since it is mandatory to have travel insurance to travel to these countries, it is smart and a necessary choice to go for travel insurance if you have to go to any of these travel insurance-mandatory countries – for vacation or work.

Handles all Flight-Related Complications

Travel insurance in UAE also offers covers for all kinds of flight emergencies and complications. This includes rescheduling, delays, trip cancellation, baggage loss at the airport, etc. 

Covers Personal Liability 

If you happen to incur any personal liabilities towards anyone while travelling in a foreign country, your travel insurance company will take care of that and cover it under the plan itself. 

Comes in Handy in Case You Need Financial Assistance 

Emergencies generally have no tell. They can present themselves at any time and any day. If you happen to run into any financial emergencies during your trip to a foreign country or place, your travel insurance company will help you with cash support. 

Types of Travel Insurance Plans in UAE

Travel insurance in Dubai is quite widespread and there are several divisions and sub-divisions when it comes to the types of travel insurance in UAE. Following are the different kinds of travel insurance you can find in UAE and Dubai:

1. Based On Geographical Border

  • Domestic Travel Insurance Plans: Local, domestic or inbound travel insurance in Dubai ensures your safety when you are travelling within the UAE or Gulf countries. The benefits included are almost the same as any other travel insurance in UAE such as personal belongings cover, baggage and flight delay cover, emergency medical expenses etc. 
  • International Travel Insurance Plans: This type of travel insurance plans is applicable all over the world in all counties, depending on the coverage span of the insurance company. The cover includes all basic things like medical expenses, luggage delay or loss, loss of personal items, etc. 
  • Schengen Travel Insurance Plans: Schengen travel insurance is a special type of travel insurance that is applicable on travels to the Schengen group of countries only. A Schengen group is a group of 26 European countries that function under one jurisdiction with no passport or border control. So, you need one visa to travel to all 26 countries and the Schengen special travel insurance. 

2. Based on Type of Travellers

  • Individual/Solo Travel Insurance Plans: These travel insurance plans are designed especially for solo or individual travellers who generally travel alone. The cover offered is comprehensive like any other travel insurance in Dubai and UAE with all kinds of medical, baggage and journey-related benefits.
  • Family Travel Insurance Plans: Family travel insurance in UAE is designed to cover all the member of your family including all your children older than the age of 30 days, your parents and your spouse. It offers a cover for your immediate family members. 
  • Corporate or Business Travel Insurance Plans: This type of travel insurance plan is offered by corporates themselves to the employees who travel for work. Business travel insurance in UAE plans works pretty much the same way as any other travel insurance plan with the same level of benefits and covers. Each business can choose a plan most suitable to their needs. 
  • Senior Citizen Travel Insurance Plans: A senior citizen travel insurance plan is offered to people older than 70 years of age. The coverage of a senior citizen travel insurance plan includes all medical and otherwise emergency scenarios, baggage covers, as well as journey covers. Senior citizen travel insurance plan may be a bit on the more expensive side because of the increased risk potential due to the age factor. 
  • Student Travel Insurance Plans: A student travel insurance plan is exclusively available for students who are travelling abroad to study. It protects them in case of any health emergency, loss of personal items, baggage covers as well as financial emergencies. 

3. Based on Insurance Policy Validity

  • Single Trip Travel Insurance Plan: As evident by the name, a single trip travel insurance plan is valid only for the one trip that it is bought for. It expires as soon as you take that trip and are back in the country. It can be bought for any category including solo travellers, families, senior citizens, etc. The covers are similar to other plans and include every basic thing – financial, medical, baggage and personal effects protection.
  • Multi-Trip Travel Insurance Plan: This type of travel insurance in UAE can be used for multiple trips and does not expire only after making a single trip. It is ideally suited for frequent travellers and flyers who have to travel for their work or business reasons. This is why most business travel insurance plans are multi-trip travel insurance plans because they cover multiple trips. The covers remain to be the same here as well. 

Best Travel Insurance Plans in UAE

Here is a comprehensive list of cheapest travel insurance plans in Dubai, UAE :

Plan Name  Medical Cover Max Duration Price
AIG Insurance Annual Silver $ 50,000 90 days/trip
Al Hilal Travel Gold Annual $ 100,000 92 days/trip
Union Insurance Annual 1 $ 1,000,000 31 days/trip
Watania Travel Annual Program 1 $ 500,000 30 days/trip
AIG Insurance Annual Platinum $ 500,000 90 days/trip
See More Plans >>

What is covered under Travel Insurance in UAE? 

Just like any other type of general insurance plan, travel insurance also comes with a set of pre-specified inclusions. Mind that the list of inclusion can be altered as per the individual policies of the travel insurance company in consideration. Following are the general inclusions of travel insurance in Dubai:

1. Medical Coverage

  • Emergency Medical Expenses: Covers for minor as well as major injuries and illnesses and offers reimbursement as per the assured amount of the plan
  • Medical Evacuation: Arranges for transportation back to the home country in case of a medical emergency. 
  • Hospital Daily Cash Allowance: If you happen to be hospitalised in a foreign country for an injury or illness, the travel medical insurance plans offer a daily allowance to cover hospitalisation fees, minus the deductible amount. 
  • Medical & Body Repatriation: Makes arrangement transportation of remains back to the home country residence (UAE) and covers for the expenses as per the assured amount. 
  • Accidental Death: A compensation is paid to the family of the insured in case of accidental death while travelling. 
  • Permanent Disablement: Compensation for the insured in case of permanent disability due to an accident while travelling. 
  • Family Visit: If your family or relative have to visit you in the event of an accident or illness.

2. Baggage-related Coverage

  • Loss of Baggage: Covers and offers compensation in case of theft or loss of baggage in a foreign place while travelling. Limited to the assured amount in the plan.
  • Loss of Personal Documents: Compensation for the loss of important documents like passport, etc. up to the assured amount. 
  • Loss of checked-in baggage: Covers and reimburses for the lost baggage that has been checked in with the airline up to the insured amount. 
  • Delay of checked-in baggage: Offers cover for buying emergency use items if the baggage is delayed for more than a specified limit of time which can differ for each travel insurance company. 

3. Journey-related Coverage

  • Personal liability: Covers all claims that have been filed against the insured person for property and other kinds of damages when travelling. 
  • Financial Emergency Assistance: Provides cash support in case you run into a shortage of funds while travelling. 
  • Missed Flight Departure: Covers the cost of the ticket in case you miss the departure of your flight as per the pre-specified assured sum. The reason for missing the departure must be according to the ones specified in the terms of the plan. 
  • Delayed Departure: If the departure of your flight is later than the number of hours specified in the insurance plan, the company offers compensation for it. The region of the departure may vary as per insurance companies. 
  • Hijack Distress Allowance: A compensation is paid if the flight is in a hijack situation for more than the number of specified hours. 
  • Hotel Accommodation: Travel insurance covers the cost of your accommodation if you have to cancel your stay due to any unforeseen reason. 

Add-On and Optional Covers

  • Emergency dental expenses: includes filling of teeth, surgeries, etc. However, dental covers are also added as basic benefits in a few travel insurance plans by selected providers. 
  • Adventure Sports: When you have plans to go skiing or similar activities on a trip. 
  • Luxury Items: Protection against theft of valuables like watches, jewellery, sports equipment, etc. 
  • War-Prone Locations
  • Pre-Existing Disease: An extra cover to include pre-existing conditions in medical expense cover since the basic one doesn’t include it.

What is not covered under Travel Insurance in UAE?

Following are some of the most common travel insurance exclusions:

  • Illnesses and injuries due to illegal or dangerous activities
  • Hospitalization and treatment for pre-existing conditions and illnesses (add-on available)
  • Suicide or self-inflicted injuries 
  • Injuries due to adventure sports (add-on available)
  • Trips being taken on doctor’s prescription or advice 
  • Injuries due to being under influence of alcohol or drugs
  • Substance abuse
  • Loss due to a war-like situation (add-on available)
  • Loss and damage due to radioactive and other kinds of explosions
  • Non-medical expenses
  • Obesity or cosmetic surgeries and treatments
  • Pregnancy-related issues and complications

Eligibility Criteria for Buying a Travel Insurance in UAE

The eligibility criteria of buying a travel insurance plan in the UAE can differ as per the type of travel insurance you are buying, the category you belong to and your travel requirements. Following is the basic as well as specialised eligibility criteria for buying different travel insurance:

Basic Eligibility Criteria for travel insurance plan:

  • All UAE residents and nationals are eligible to get travel insurance in UAE.
  • The insured must be a minimum of 30 days or a maximum of 75 years old. The upper age limit may fluctuate as per the insurance company. 

Eligibility as per the type of travel insurance plans:

  • Individual Travel Insurance: and UAE resident or national within the age group of 30 days and 75 years (±a few years as per insurance companies).
  • Family Travel Insurance Plans: all immediate members of your family including children older than 30 days, spouse and parents. 
  • Corporate or Business Travel Insurance Plans: the employees sanctioned by the company holding the plan.
  • Senior Citizen Travel Insurance Plans: any UAE citizen or resident over the age of 65 years. 
  • Student Travel Insurance Plans: students travelling abroad for study-related purposes. 

Does Travel Insurance Cover Coronavirus (COVID-19) Disease in UAE?

With Covid-19 dominating the world as of now, more and more insurance companies, if not all, are introducing coronavirus cover in their insurance plans, not only health but also travel insurance plans as well. The Covid-19 travel guard cover generally covers the insured person for Covid-19 infection while being on the trip or before leaving. If you are diagnosed with Covid-19 before boarding the flight, the insurance will cover the cancellation expenses of the trip. If you come in contact with the infection while being on the trip, the insurance generally covers the treatment expenses and compensated for trip interruption. The coverage benefits may differ as per the insurance company that you choose to make it a point to check out the full list of benefits offered in the Covid-19 cover. 

Claim Process:

It is always good to take a good travel insurance policy before commencing your travel. However, it is suggested to take a travel insurance policy for the contingencies specific to your travel. It will prevent an insured from the disappointments that may have to be faced while filing a claim.

It is suggested to carry policy documents while traveling. If you are unable to carry the physical copy of the policy, carrying the PDF or softcopy of this document is recommended. To avoid the loss of policy documents, carrying the photocopy is a good idea.

  • One should email or call the insurance provider in case of emergency while traveling to understand the claim process and the supporting documents required for the case of the insured.
  • The email address and the toll-free number of the insurer are mentioned in the policy documents. While traveling abroad, the insured or his/her family must contact the international travel partner of the travel insurance provider.
  • Now, one must send all the supporting documents to the insurance provider either through email, fax, or post.
  • Various relevant documents like claim form, passport with immigration stamp, a copy of the policy document, original receipts and bills, police report (in case of theft or loss), etc. must be kept handy.
  • After submitting all the required documents and claim form, a surveyor is appointed by the insurance company to assess the case of the insured and process the claim accordingly.

How to Renew a Travel Insurance Policy?

Being a part of a hybrid world, we have two options when it comes to buying or renewing insurance plans. You can either renew your insurance plan via online methods or offline with the help of your insurance broker or straight from a branch office. Although, renewing travel insurance online is the easier one out. Following are the steps that you need to follow:

Step 1: Visit the website of your travel insurance company and locate the travel insurance page

Step 2: Log in with your insurance membership credentials.

Step 3: Locate the renewal portal which is generally given on the pages dedicated to travel insurance itself.

Step 4: Choose your insurance plan. If you want to continue with the same plan, you can just skip this step. If you want to change the plan, this is where you do it. 

Step 5: Check the final details, upload the necessary documents and make the payment.

Your insurance renewal email will be sent to you in a few minutes only as soon as the purchase is approved by the travel insurance company. 

6 Tips for Choosing Best Travel Insurance Plan

Since there are various travel insurance plans available online, it may become difficult to select the best and most suitable one. To ease this process, we are mentioning here some tips that can help you select the best travel insurance policy:

  • Affordability of the Premium: The premium of any insurance policy, for sure, plays a major role in the selection of a travel insurance policy. Therefore, check the premium and make sure the coverage that the policy offers justifies it.
  • The Credibility of the Insurance Company: The goodwill and positive reviews of the company play a major role while making a selection.
  • Hassle-Free Buy, Renew, and Claim Settlement Process: Select a travel insurance company that offers convenient methods to buy, renew, and settle the claim.
  • Travel Destination: Make sure that your travel insurance policy is covering the travel destinations of your choice.
    Moreover, the travel destinations that you want to cover affect the premium as well. Travelling to countries where the medical expenses are high cost more premium.
  • Travel Duration: The duration of the travel affects the premium too. An insured has to pay a higher premium for journeys with a long duration. So, make a selection accordingly.
  • Claim Settlement Ratio: Select an organization that has a good claim settlement ratio. A claim settlement ratio or claim settlement percentage tells a lot about the company and its reputation, so don’t rely on an insurer without checking the claim settlement ratio.   

How PolicyBazaar.ae Helps to Get the Best Travel Insurance Policy Online?

PolicyBazaar.ae provides a platform to compare travel insurance policies of different leading general insurance providers online. Some of the features of PolicyBazaar.ae that help to make the best selection in the travel insurance category are:

  • Comparison of various travel insurance policies.
  • Hassle-free platform to purchase the most-suited travel insurance plan.
  • You can make an informed choice by availing the quotes from different travel insurance providers.
  • Gives you an opportunity to save money and time.
  • Comparison of travel insurance policies, assessing different features, and the benefits of different travel insurance plans side-by-side.

Countries That Need International Travel Insurance Policy

Although travel insurance is an optional choice for travellers and tourists generally, there are a few countries that have made it mandatory to have travel insurance if you want to visit. UAE is one of these countries as well. Following is a complete list of all the countries that require you to have travel insurance apart from the UAE:

  • Anguilla
  • Antarctica
  • Aruba
  • The Bahamas
  • Bermuda
  • Brazil
  • The British Virgin Islands
  • Cambodia
  • The Cayman Islands
  • Chile
  • Costa Rica
  • Cuba
  • Curacao
  • The Democratic Republic of Congo
  • The Dominican Republic
  • Ecuador
  • Egypt
  • French Polynesia
  • Israel
  • Iran
  • Jamaica
  • Japan
  • Jordan
  • Lebanon
  • Mexico
  • Nepal
  • New Zealand
  • Qatar
  • Russia
  • Schengen Countries
  • St. Maarten
  • Tahiti
  • Thailand
  • Turkey
  • Turks and Caicos
  • Ukraine

Note that the conditions and insurance required for each country are always slightly different. For example, the travel insurance for the Schengen group must be a minimum of €30,000. Make sure that you get familiar with all the terms and condition before you invest in a plan.

Travel Insurance FAQs

Is there a limit on the covered travel days in travel insurance plans?

Almost every travel insurance company in UAE has a certain number of insured days in travel insurance. Although the number can differ as per the provider. The most common coverage is 90 days of traveling. 

 

Can the covered days in travel insurance in UAE be increased?

Yes, you can purchase additional travel under your travel insurance plan but that depends on the policies of your travel insurance company as well as the insurance plan that you are going for. 

 

Will I get to choose a hospital of my liking for treatment in travel insurance in Dubai?

Your travel insurance company will most likely have a network of the approved hospital that you can get treated in. You are free to choose the hospital of your choice. It is also possible for you to receive treatment by any recognised medical practitioner and get reimbursed for your expenses as the plan allows. 

Can business travel insurance be extended to include family?

Yes, business travel insurance can be extended to any fellow traveller who is travelling for company purposes with you. However, you must get prior approval from the employer and tally with the insurance company. 

How does the baggage delay cover work in travel insurance?

If your checked-in baggage is delayed for more than the set limit of hours, the insurance companies offer you a pre-decided amount as compensation within the maximum limit of the baggage delay cover in the insurance. For example, if the limit is 4 hours, and the pre-decided amount is AED 100, you will get a compensation of AED 100 for every four hours your baggage is delayed or on a pro-rata basis after the initial 4 hours delay. Note that the limit on hours can be different for each travel insurance company. 

Are Covid-19 diagnostic tests covered in travel insurance?

Yes, all tests and treatments required after you are diagnosed with Covid-19 infection during your trip are generally covered in a covid-19 cover, if offered by the insurance company. However, it is better to confirm with the company once as well. 

When does the cover of a travel insurance plan begin?

The coverage of your travel insurance begins right from the starting date of your journey that you have mentioned in the application form. 

Can I get a refund on the remaining trip days from my travel insurance plan?

No, most insurance companies do not offer a refund on any left-over vacation days from the travel insurance plans. But you can most probably have the remaining of the days carried forward to the next trip if you have a multi-trip travel insurance plan. 

Is it possible to purchase a policy after setting out on the trip?

No. you can only purchase travel insurance before setting out on the trip. 

Do I need to declare pre-existing conditions when buying travel insurance?

Yes, almost every travel insurance company in UAE urges you to declare all and any pre-existing conditions that you may have. It is also a smart choice to declare them and keep your insurance company informed about them. 

What should I Do if I am travelling to more than one country in a single trip?

Travel insurance requires you to declare the starting point and destination. Although, if you are planning to travel to more than one destination, have a word with your insurance companies. Depending on the countries you plan to visit, you can get covered under a single travel insurance plan. 

For example, if you are buying European countries travel insurance plan, you can travel to any of the included countries in the plan. You can also buy an additional small single-trip travel insurance plan for each additional country if they are not from the same coverage area.