MetLife Travel Insurance Dubai

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  • Traveling to the UAE
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MetLife, present in the Gulf for more than 65 years, is reputed for covering all the financial and insurance-related needs of the residents. Based out of Dubai, the operations of MetLife are spread out across the UAE, Oman, Kuwait, Qatar, and Bahrain. The firm provides various plans related to insurance, with one such plan being crucial for travellers.

With Metlife Travel Insurance, you can take a trip across the globe without worrying about unseen circumstances. The insurance provider offers some of the most comprehensive plans for you to choose from. 

Read further to know more about MetLife travel insurance plans in the UAE.

Reasons to Buy MetLife Travel Insurance Policy

One can always opt for MetLife Travel Insurance in the UAE as a traveller, with this plan providing the following covers and benefits -

  • Covers for emergency medical expenses
  • 24-by-7 customer support provided to resolve queries and help in filing an insurance claim
  • Option for cashless treatment provided to receive treatment without any financial stress 
  • Customisable for both single and multiple trips
  • Offers life insurance, hospitalisation, and permanent disability benefits 
  • Reimbursements for trip delay, interruption, and cancellation
  • Schengen-compliant policies also offered
  • Plans for pilgrims travelling to Mecca or Umrah available
  • Cover provided for repatriation, accidental death, loss of luggage, or theft of electronics 
  • Affordable plans that can cover up to six children. 

Features and Benefits of MetLife Travel Insurance in the UAE

Given below are some of the key benefits that one can access with MetLife travel insurance covers

  • Worldwide, Schengen, Hajj, and Umrah covers
  • Medical expenditure and hospital admission expenses during the travel
  • Repatriation (of a family member travelling with the insured or the insured themselves) 
  • Funds provided for emergency return owing to a death in the family
  • Emergency medical evacuation
  • Legal defence expenses 
  • Delivery of medicines
  • 24 by 7 customer support
  • Loss or theft of Emirates ID, passport, driving licence, and other crucial documents
  • Delay in departure
  • Permanent disability
  • The advance of bail bond
  • Emergency dental care

The following section will discuss the benefits of purchasing a MetLife Travel Insurance plan in detail - 

Financial protection offered for accidents -

Most plans offered by MetLife cover you against accidental death, permanent total disability, permanent partial disability, and other such eventualities caused by accidents. 

Flights covered -

A flight delay can lead to significant financial losses in addition to mental agony. In such cases, you will at least be compensated for any financial damages brought on by flight delays by MetLife travel insurance in the UAE. Moreover, MetLife travel insurance will also protect you if you miss your flight's departure or if your vacation is cancelled. 

24-by-7 assistance -

You won’t have to wait for long to file a claim in an emergency with MetLife travel insurance uae. With this insurance provider’s 24/7 customer service, you can now submit a claim without having to wait and receive immediate assistance anywhere in the world.

Schengen-compliant plan -

Insurance coverage for Schengen Visa nations refers to the coverage provided in the 26 European nations that have removed national borders to allow travellers to move freely within the continent. These countries are -

Austria Spain Iceland Finland Belgium Estonia The Czech Republic
Lithuania Poland Germany Luxembourg Portugal Slovakia Switzerland
The Netherlands Latvia Liechtenstein Hungary Norway Sweden  
Denmark Greece Slovenia Malta Italy France  

Types of MetLife Travel Insurance Plans

MetLife offers four major types of travel insurance plans - 

Pearl Plan -

Be it a family vacation or a business trip, the Pearl Travel Insurance plan allows you to travel abroad without any worries. You can customise your plan as per your trip type - single or multi-trip. You can also include your family or expand the scope of the plan for worldwide coverage. 

Family Plan -

This MetLife Travel Insurance in the UAE is specifically designed for family trips. It is vouched for its affordable premium and comprehensive protection for family members, notably offering coverage for up to 6 children. You are free to choose between single or multiple trip covers. 

Schengen Plan -

This travel insurance plan will be helpful if you are travelling to any of the Schengen states (stated above) and covers you for all the emergency medical requirements. This plan, however, does not work throughout Europe, as the European countries not present on the list will require different insurance plans.  

Hajj and Umrah Plans -

Particularly designed for pilgrims, this MetLife travel insurance plan is available in 3 cover levels, i.e., basic, extra, and plus. This type of plan is structured to cover the duration of your pilgrimage. 

The following is a comparison table that can help you get a better idea of the plans offered under MetLife Travel Insurance in the UAE

COVERAGE

PEARL PLAN

FAMILY PLAN

SCHENGEN PLAN

HAJJ AND UMRAH PLAN

Topographical Coverage

Worldwide or Worldwide excluding the USA and Canada

Worldwide 

Europe

Saudi Arabia

Medical Expenses and Hospitalisation

Up to USD 50,000

Up to USD 50,000

Up to Euro 30,000

Up to USD 25,000

Repatriation 

Up to USD 10,000

Up to USD 10,000

Up to Euro 5,000

N/A

Repatriation (of a member travelling with the insured individual)

Up to USD 5,000

Up to USD 5,000

Up to Euro 2,000

N/A

Emergency Medical Evacuation

Up to USD 50,000

Up to USD 50,000

Up to Euro 30,000

Up to USD 15,000

Emergency Dental Care

Up to USD 1,000

Up to USD 1,000

Up to Euro 1,000

N/A

24-by-7 Customer Support

Available

Available

Available

Covered

Emergency Return (death of a family member)

Up to USD 2,000

Up to USD 2,000

Up to Euro 2,000

N/A

Medicine Costs

Up to USD 1,000

Up to USD 1,000

Up to USD 5,000

N/A

Legal Defence

Up to USD 2.,000

Up to USD 2.,000

N/A

N/A

Bail Bond Advance

Up to USD 4,000

Up to USD 4,000

N/A

N/A

Losing or Theft of passport, Emirates ID, or Driving License

USD 300

USD 300

N/A

N/A

Compensation for Any Loss (Inflight)

Up to USD 1,000

Up to USD 1,000

N/A

Up to USD 750

Delayed Departure

Up to USD 500

Up to USD 500

N/A

N/A

Permanent Partial Disability

Covered 

Covered 

N/A

N/A

Permanent Total Disability

Up to USD 25000

Up to USD 25000

N/A

N/A

Personal Civil Liability

Up to USD 25,000

Up to USD 25,000

N/A

N/A

Reimbursement for the Delay in Baggage Arrival

Up to USD 500

Up to USD 500

N/A

N/A

Forwarding of Personal Belongings

Covered 

Covered 

Covered

N/A

Eligibility Criteria for MetLife Travel Insurance UAE

The average age requirement for being eligible for these plans is - 

  • Pearl Plan - 3 months to 80 years
  • Family Plan - 3 months to 80 years
  • Schengen Plan - 3 months to 100 years
  • Hajj and Umrah Plan - 3 months to 80 years

Inclusions for MetLife Travel Insurance in UAE

The inclusions for this travel insurance plan are listed below -

  • Hajj and Umrah plan covers only medical expenses, emergency medical evacuation, and 24-hour customer support
  • Schengen plan provides cover for repatriation, medicinal costs, emergency medical care (hospitalisation and dental care), medical evacuation, and 24-hour customer support 
  • Both the Pearl Plan and the Family Plan offer cover for 
  • Medical expenses and hospitalisation
  • Emergency medical evacuation
  • Emergency dental care
  • Repatriation
  • Legal defence 
  • Medicine costs
  • Forwarding of personal belongings
  • Compensation for any loss inflight (check-in luggage)
  • 24-by-7 customer support
  • Emergency Return (death of a family member)
  • Permanent total disability
  • Delayed departure

Exclusions for MetLife Travel Insurance Plans

The exclusions related to each plan are as follows - 

  • None of the plans offers cover for hijacking
  • All plans exclude damages incurred due to involvement in any illegal activity

Schengen Plan excludes -  

  • Legal Defence
  • Bail Bond Advance
  • Loss or theft of passport, Emirates ID, or driving licence
  • Compensation for any loss inflight
  • Delayed departure
  • Permanent partial disability
  • Permanent total disability
  • Personal civil liability
  • Reimbursement for the delay in baggage arrival

Hajj and Umrah Plan excludes - 

  • Repatriation 
  • Repatriation (of a member travelling with the insured)
  • Emergency Return (death of a family member)
  • Medicine costs
  • Legal Defence
  • Bail Bond Advance
  • Loss or theft of passport, Emirates ID, or driving licence
  • Delayed departure
  • Permanent partial disability
  • Permanent total disability
  • Personal civil liability
  • Reimbursement for the delay in baggage arrival
  • Forwarding of personal belongings

Documents Necessary to Purchase MetLife Travel Insurance Plan

Keep the following documents available for MetLife Travel Insurance plan in the UAE - 

  • Emirates ID
  • Proof of residence
  • Valid Passport
  • Travel insurance form
  • Health certificate

How to Select a MetLife Travel Insurance Plan?

In the UAE, buying a travel insurance policy is a reasonably simple process. You can follow any of the methods discussed below to purchase travel insurance in the UAE:

Via Online Application -

By visiting the official website of MetLife Insurance or policybazaar.ae, you can quickly purchase a travel insurance UAE plan. This mode of application is highly convenient as you can complete the process without moving anywhere outside. Moreover, opting for online purchases with Policybazaar UAE can also get you discounts and savings on insurance premiums.

Via Offline Application -

As an alternative, you can visit the MetLife Insurance office or contact an insurance agent or an insurance aggregator. The experts and agents will explain the various plans available for you in detail and help you choose the MetLife travel insurance UAE plan of your choice. 

To apply for this plan via policybazaar.ae, follow the steps mentioned below - 

  • Go to policybazaar.ae
  • In the ‘travel insurance’ section, fill out the form to be directed to the Quotes Page
  • Compare the available travel insurance plans and select one as per your preference (the by MetLife Travel Insurance in this case)
  • Select the ‘Apply Now’ option for your selected plan and provide the required details to complete the process
  • You can wait for Policybazaar UAE to connect with you soon and discuss the remaining steps that have to be completed

MetLife Travel Insurance Plan Claim Process

You can file for a direct claim or a reimbursement claim to receive the required compensation in the event of an accident or other emergency while travelling by contacting MetLife Travel Insurance and requesting a claim settlement. However, the procedure for the same will vary as per the type of claim. 

The procedures for filing travel insurance claims are listed below:

Flight and trip-related claims: 

If your flight is cancelled or delayed, you can call your insurance company to file a claim for reimbursement. You must, however, hold onto all of your travel arrangements and tickets until the claim procedure is complete.

Loss/Theft of luggage:

File a police report for any theft or loss of your luggage and get a copy of the police report. Inform your insurance of the incident and provide the supporting documents to submit your claim.

Travel medical claims:

Contact your UAE travel insurance company's designated customer service line if you require emergency medical attention while travelling. The representative will give you information regarding network hospitals that you can visit to seek treatment.

Documents Necessary to File MetLife Travel Insurance Claim

Emergency evacuation -

Claim form, copy of the medical report, original bills, copy of the Passport, copy of the diagnosis

Repatriation of mortal remains -

Claim form, medical report, death certificate, Passport copy, original bills, and receipts 

Flight delay -

Airline confirmation that the flight was either cancelled or delayed for six hours, original invoices and receipts for any emergency purchases of food, drinks, lodging, and transportation to and from the airport, a duplicate of your air ticket, credit card copies, Passport replica

Delay, loss, or damage of your baggage -

Authentic receipts and bills for any emergency purchases like clothing and toiletries, copies of your tags' bar codes, credit card copies, report of property irregularities, a duplicate of your air ticket, Passport replica

Prescribed medication -

Claim form, copy of the medical report, original medicine bills, copy of Passport

Prescription emergency dental expenses -

Claim form, copy of the medical report, original medicine bills, Passport copy

When Will You Receive Your MetLife Travel Insurance Claim?

The claim settlement process takes time and depends on the complexity of the situation. The sooner you file a claim and provide the necessary documents, the quicker would be the claim process. 

MetLife Travel Insurance will directly make the payment to the insured individual. However, in case of accidental death, the claim will be paid to the beneficiary designated by the individual. In case of the absence of designated persons, the payment of claim will be granted to the first surviving beneficiary in the following order:

  • Spouse
  • Children (in equal shares)
  • Parents (in equal shares)
  • Brothers and sisters (in equal shares)
  • Executor or administrator

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MetLife Travel Insurance UAE FAQs

Q.1. How will you receive the MetLife Travel Insurance’s claim?

Ans: When you are filling out the form, you can choose the way you would prefer to be reimbursed the claim amount. MetLife reimburses either via wire transfer or by cheque. To receive the money through cheque, provide the following details – 

  • Complete name of the bank 
  • Account details
  • Current residential address

Q.2. How can you avoid delays in processing the claim?

Ans: To avoid any kind of delays in your MetLife Travel Insurance claim, make sure you follow the following steps:

For Medical Claim

  • Submit all the necessary documents within 30 days from the date of the incident 
  • Any claim filed after 90 days will not be processed 

For Individual Claim

  • Notify the insurance provider within 10 days of the incident. You can send an email, call, or send a request on its “Contact Us” page. 
  • Provide all the necessary documents and information clearly to the provider within 30 days of the incident 

Q.3. What documents are required for filing a hospitalisation claim under MetLife Travel Insurance plan?

Ans: Provide the following documents when filing the hospitalisation claim –

  • Filled out medical reimbursement claim form
  • Detailed medical report
  • Copy of police report (if applicable)
  • Official discharge summary
  • Copy of particular medical reports
  • A photocopy of the attending physician’s report

Q.3. How can you file claim for repatriation of remains under the MetLife Travel Insurance UAE plan?

Ans: Provide the documents listed below to file a claim for repatriation of the remains:
Two forms must be filled – Claimant Statement (by each beneficiary) and Physician Statement (by the treating physician)

  • Medical report copy
  • Death certificate original
  • Passport copy of the demised
  • IDs or Passports of the beneficiaries
  • Original receipts and bills

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