Liva Travel Insurance UAE: Compare & Buy Travel Insurance in UAE

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Liva travel insurance offers comprehensive protection for your trips. It covers your unexpected travel inconvenience, medical emergencies, and personal losses while abroad. Its coverage is exclusively tailored to UAE residents and GCC citizens living in the UAE.

Another aspect of Liva is that you get flexible plans to choose from — such as Schengen, Holiday, and Executive Travel. Whether for leisure or business, the insurer ensures you are covered for emergencies like trip cancellations, baggage loss, medical evacuation, and personal liability.

With Liva trip insurance, you can travel hassle-free.

Why Choose Liva Travel Insurance?

With Liva, stay worry-free while travelling with proper coverage. Here are the perks that you get when you choose its travel coverage plan —

🛩️ Wide range of cover options — Schengen, Holiday, and Executive plans

🛩️ High medical coverage up to US$1,000,000 for emergencies

🛩️ Includes travel inconvenience, legal, and liability protection.

🛩️ Optional covers for Winter Sports, Golf, Cruise Travel, and more

🛩️ 24/7 worldwide emergency assistance support

🛩️ Instant and easy claims process via email or online submission

Key Features and Benefits of Travel Insurance Coverage by Liva

Before we dive into plan-specific details, let's look into the common features of the plans under the Liva travel insurance in the UAE —

✨ Worldwide assistance for medical and travel emergencies

✨ Flexible single-trip and annual multi-trip options

✨ Cashless medical assistance for emergencies abroad

✨ Fast and transparent claims processing

✨ Easy online policy management and renewal

✨ Customer support available round-the-clock

Types of Liva Travel Insurance

Liva has designed its travel insurance policies catering to the needs of all categories of travellers. You can explore the plans and choose one that best suits your requirements.

Schengen Travel

Travel Inconvenience Cover For	Accident and Death Benefits	Medical and Related Expenses
Passport Personal Money Credit Card Fraud Travel Documents	Disappearance Strike, Riot, and Civil Commotion Accidental Death and Permanent Total Disability Hijack/ Robbery/ Assault/ Mugging Drowning and Suffocation by Poisonous Fumes, Gas, or Smoke	Repatriation of Mortal Remains Emergency Medical Evacuation and/or Repatriation Overseas Rehabilitation Allowance Emergency Medical Expenses

Holiday Travel

Travel Inconvenience Cover	Accident and Death Benefits	Medical and Related Expenses	Liability and Legal Expenses
Home Contents Burglary (while you are out on a trip) Passport, Travel Documents, Credit Card Fraud, and Personal Money Delayed Baggage Personal Belongings and Baggage Travel Delay/ Abandoning Your Trip Missed Departure and Connections Cancelling Your Trip/ Trip Curtailment	Funeral Benefits Fractures Comatose State Lumpsum Benefit Strike, Riot, and Civil Commotion Drowning and Suffocation by Gas, Smoke, Poisonous Fumes Disappearance Assault/ Murder/ Hijack/ Mugging and/or Robbery Accident Death and Permanent Total Disability	Emergency Telephone Charges Dependent Child Protection Compassionate Visit of a Close Relative Hospital Allowance Repatriation of Mortal Remains Emergency Medical Evacuation and/or Repatriation Overseas Rehabilitation Allowance Emergency Medical Expenses	Legal Expenses Personal Liability

Executive Travel

Travel Inconvenience Cover	Accident and Death Benefits	Medical and Related Expenses	Liability and Legal Expenses
Pet Care Home Contents Burglary (while you are travelling) Passport, Personal Money, Travel Documents, and Credit Card Fraud Delayed Baggage Personal Belongings and Baggage Travel Delay/ Abandoning Your Trip Missed Departure and Connections Cancelling Your Trip/ Trip Curtailment	Funeral Benefits Fractures Lumpsum Benefit for Comatose State Accidental Death Due to Common Carrier Strike, Riot, and Civil Commotion Drowning and Suffocation by Gas, Poisonous Fumes or Smoke Disappearance Assault/ Murder/ Hijack/ Mugging and/or Robbery Accident Death and Permanent Total Disability	Emergency Telephone Charges Dependent Child Protection Compassionate Visit of a Close Relative Hospital Allowance Repatriation of Mortal Remains Emergency Medical Evacuation and/or Repatriation Allowance for Overseas Rehabilitation Emergency Medical Expenses	Legal Expenses Personal Liabilities

What are the Eligibility Criteria for Travel Insurance by Liva?

Check out the entry requirements for Liva travel insurance before applying for a policy —

You must be a UAE citizen, resident, or GCC citizen living/working in the UAE
The coverage is only for the countries included in your preferred policy
Your age should not exceed 75 years
Children under 18 years are covered only when accompanied by an adult

Documents to Apply for Travel Insurance Coverage by Liva

As part of the process, Liva needs the following documents for your application verification —

Emirates ID or Passport of the travellers
Emirates ID or National ID for KYC requirements
Flight details (for trip verification)

Inclusions of Liva Travel Insurance

Here are the general inclusions of all the Liva travel policies —

Emergency medical expenses, including hospitalisation and emergency dental treatment
Medical evacuation and repatriation in case of serious illness or injury abroad
Repatriation of mortal remains in the unfortunate event of death
Accidental death and permanent total disability benefits
Compassionate visit for a close relative if the insured is hospitalised abroad
Dependent child protection if the insured adult is hospitalised or incapacitated, and the child has to be assisted in travelling back home
Emergency telephone charges related to insured incidents
Loss or theft of passport, travel documents, and personal money
Travel inconvenience benefits such as trip cancellation, curtailment, missed departure, and travel delay
Loss or delay of checked-in baggage
Personal liability coverage for accidental injury or property damage to third parties
Legal expenses coverage arising from incidents during the trip

Exclusions of Travel Insurance Plans by Liva

Refer to the general exclusions of Liva travel insurance plans in the table below —

Exclusion	Description
War and Similar Perils	Damage or loss caused due to civil war, rebellion, terrorism, revolution, act of foreign enemy, hostilities, military or usurped power
Offshore	Any bodily injury, expenses arising, loss destructions, or sickness contracted in any offshore activity
Radioactivity	Any loss, damage, or expense caused directly or indirectly by ionising radiation or radioactive contamination from nuclear fuel or waste
Direct Insurance Sanctions and Embargo Clause	If the policy coverage violates any law, regulation, embargo, or sanction, the insurer will not offer any coverage, benefits, or defence and will have no liability

Important: Liva travel insurance coverage is not valid in —

Yemen
Crimea
South Sudan
Iran
Sudan
Afghanistan
Iraq
North Korea
Somalia
Republic of Congo
Syria
Central African Republic
Sebastopol

The list may also include countries where war has been declared or after the country has been recognised as a ‘war zone’ by the United Nations.

Optional Coverage of Travel Insurance by Liva

With certain add-ons of Liva travel insurance, you can easily upgrade your plan. Depending on your travel requirements, you can choose from the list. Here are the key add-ons —

Winter Sports

Covers you for losses incurred while participating in winter sports
Coverage features include —

Tobogganing	Snowmobiling
Mono Skiing	Mogul Skiing
Ice Skating (speed skating is excluded)	Glacier Walking
Sledging	Dry Slope Skiing
Cross country skiing on recognised routes and with a guide	Off-piste skiing or snowboarding where accompanied by a qualified guide or instructor only
On piste skiing or snowboarding on piste

Note

This cover is valid for not more than 21 days for an annual policy
For a single trip policy, this cover can be valid for only up to 15 days
The winter sports coverage is valid for those aged between 10 and 65 years

Note that this coverage is only valid between 1st December and 15th April in the Northern hemisphere. In the Southern Hemisphere, it’s valid only from 1st May to 30th September.

Cruise Cover

Some standard inclusions under this cover include —

Change in Itinerary
Missed Port Departure
Unused Excursions
Terrorism Extension
Cruise Interruption

However, note that not every circumstance under these coverages is included in your Liva travel insurance.

How to Apply for Liva Travel Insurance?

Visit www.livainsurance.ae or your nearest Liva Insurance branch across the UAE
Choose the travel plan that fits your needs (Schengen, Holiday, or Executive)
Provide the required documents and travel details
Pay the premium and receive your policy documents

How to Claim Your Liva Travel Insurance Policy?

For Liva travel insurance claims, the procedure is quite straightforward. You can connect with the provider in case of an emergency. After you submit the necessary documents, the insurer will check your claim. If it’s confirmed, Liva will reimburse you for your losses.

Here are some details for filing a claim —

For claims under AED 2,500 or non-medical claims (e.g., trip delay, baggage loss) —

Email: travelclaims.ae@livainsurance.com
Online: Upload the claim form and documents under ‘Make a claim’ at www.livainsurance.ae
Walk-in: Any Liva Insurance branch across UAE
Helpline: 04–3029835 / 3029903

For 24-hour medical or travel emergencies:
Call +971 4 601 8777 immediately for assistance.

Best Travel Insurance Providers in UAE

Other Insurance Products

Liva offers three main plans — Schengen, Holiday, and Executive Travel. Each policy is designed for different travel needs and coverage levels.

UAE nationals, residents, and GCC citizens based in the UAE who are travelling abroad are eligible.

No, Liva travel plans don’t cover any pre-existing medical conditions.

Yes. For single trip policies, you can cancel within 10 days (before travel starts and if no claims are made). For annual policies, cancel with 30 days’ notice. Schengen travel policy cancellations are not allowed.

For emergencies, call the 24-hour helpline at +971 4 601 8777.

The policy covers travellers up to 75 years of age.