# Travel Insurance 2026

**Published:** 2021-01-07
**Updated:** 2026-09-17
**Author:** Mousree Das
**Reviewer:** Richa Bansal
**Original Url:** https://www.policybazaar.ae/travel-insurance/

**We are Rated:** 4.7/5
**Review Count:** 44,602 [Reviews](https://maps.app.goo.gl/Ry9H7NLgFAGso8gZ7)
**Insurance Partners:** 35+
**Trusted Customers:** 2 Million+
**Policies Sold:** 1 Million+

Travel insurance is a smart way to prepare for the unexpected. Whether you’re planning to travel for a holiday, business, studies, or to visit your friends and family, an insurance plan lets you travel freely without worrying about any financial uncertainties during the trip.

Regulatory credentials

Licensed by the Central Bank of the UAE **([Registration No. 123](https://cdn.policybazaar.ae/pbuae/images/IA-License-Renewal-2026.pdf))**

Emirates Insurance Federation **Membership No.** [B81](https://static.pbcdn.ae/pbuae/images/Policybazaar-Middle-East-Insurance-Brokers-LLC.pdf)

 Information on this page is for general guidance only - not personalised financial or medical advice.

# What is Travel Insurance?

Travel insurance protects you financially while you’re on a trip or vacation. It also covers medical emergencies, delayed or canceled flights, lost documents, cash, baggage loss, and more. An overnight hospital admission overseas, especially in areas like the Schengen region, can be quite expensive. But with travel medical insurance, you can access hospital facility without paying the bill upfront.

Table of Content

*   [Why Do You Need Travel Insurance?](#why-do-you-need-travel-insurance)
*   [Compare and Buy Travel Insurance via Policybazaar.ae](#compare-and-buy-travel-insurance-via-policybazaarae)
*   [Why Choose Policybazaar.ae?](#why-choose-policybazaarae)
*   [A Quick Overview of Travel Insurance](#a-quick-overview-of-travel-insurance)
*   [Why Travel Insurance Matters for Every Trip?](#why-travel-insurance-matters-for-every-trip)
*   [What are the Inclusions of Travel Insurance?](#what-are-the-inclusions-of-travel-insurance)
*   [What are the Exclusions of Travel Insurance?](#what-are-the-exclusions-of-travel-insurance)
*   [Can I Buy an Add-On Travel Insurance Plan?](#can-i-buy-an-addon-travel-insurance-plan)
*   [Top Travel Insurance Plans in 2026](#top-travel-insurance-plans-in-)
*   [What are the Types of Travel Insurance?](#what-are-the-types-of-travel-insurance)
*   [Travel Insurance - FAQs](#travel-insurance--faqs)
*   [Frequently Asked Questions](#frequently-asked-questions)
*   [You May Also Check](#you-may-also-check)

 

  

## Why Do You Need Travel Insurance?

Travel insurance protects you financially for your expensive trips and visits. It compensates you for medical emergencies, flight cancellations, delays, lost documents and money, loss of personal belongings, and more.

Medical treatments abroad can be quite costly, and you may not have sufficient funds during your trip to bear such expenses. Other unpleasant situations, like the loss of your documents, passport, or money, can also happen during the trip.

Such circumstances can hamper your finances, but with a valid [travel insurance UAE](https://www.policybazaar.ae/travel-insurance/uae/), you don’t have to worry. A good policy can cover most such expenses.

## Compare and Buy Travel Insurance via Policybazaar.ae

Buying travel insurance online in the UAE shouldn’t feel like a difficult task. At Policybazaar.ae, you just need to enter a few personal details; a detailed quote from several licensed insurers will appear. Here’s how to buy travel insurance through our online platform:

1.  Click on the button below to get the form.
2.  Choose whether you’re traveling to the UAE or out of the UAE.
3.  Choose the destination and submit all the other requested details.
4.  Submit the form and check out the quotes.
5.  Compare your shortlisted plans.
6.  Choose one and buy a policy.

## Why Choose Policybazaar.ae?

Here’s why you should choose Policybazaar.ae to get travel insurance for your next journey:

*   A wide range of plans from the top insurers are available
*   Compare plans from different insurance companies on the same platform
*   Get dedicated experts’ assistance when choosing and buying a policy
*   Receive your preferred quotes in minutes

## A Quick Overview of Travel Insurance

| **Feature** | **Details** |
| --- | --- |
| Who Needs It | Foreign nationals or tourists visiting the UAE |
| Visa Requirement | Required for most visa categories under GDRFA/ICP rules |
| Premium | Starting at AED 22 |
| General Inclusions | Emergency medical treatment, trip cancellation, delayed flight, lost baggage and documents, and more |
| General Exclusions | Regular maternity coverage, self-inflicted injury, and travel against medical advice |

## Why Travel Insurance Matters for Every Trip?

If you’re planning a trip outside the UAE, a hospital stay in an international destination can be quite expensive. Emergency evacuation expenses from a remote destination can add to that. Beyond that, even if your flight is canceled before departure or delayed, or your luggage is lost, you can face losses. A travel insurance policy financially covers you for all these situations!

Also, for trips to the Schengen zone on a visa, travel insurance is mandatory. Schengen visa applications require proof of at least 30,000 Euros in medical cover, valid across all 29 member countries, before your application even gets processed.

## What are the Inclusions of Travel Insurance?

Coverage differs by insurer, plan tier, and destination - here's what most standard plans include:

*   **Emergency medical treatment:** For sudden illness or accidental injury during the trip
*   **Hospitalisation cover:** Includes inpatient treatment
*   **Emergency medical evacuation and repatriation:** If you need to be moved to a better-equipped facility or sent home
*   **Repatriation of mortal remains:** In the event of death abroad
*   **Trip cancellation or curtailment:** Reimburses prepaid, non-refundable costs if you have to cancel or cut the trip short for a covered reason
*   **Flight delay and missed connection cover:** Usually with a minimum delay threshold
*   **Baggage loss or delay:** Covers essentials that you may need while waiting for a delayed bag
*   **Passport loss:** Helps get you duplicate/replacement emergency travel documents
*   **Personal liability cover:** If you accidentally cause injury or damage to someone else’s property

## What are the Exclusions of Travel Insurance?

No travel insurance UAE policy pays out for everything. Knowing the exclusions is important to avoid any hassle later. Standard exclusions of travel plans include:

*   Self-inflicted injury, suicide attempts, or injury while intoxicated
*   Travel undertaken against medical advice
*   War, civil unrest, or acts of terrorism
*   Participation in high-risk or extreme sports without the relevant add-on
*   Routine or elective procedures, including cosmetic treatment
*   Claims arising from illegal activity
*   Loss due to negligence, such as leaving baggage unattended in a public place
*   Pregnancy and childbirth (other than complications)

## Can I Buy an Add-On Travel Insurance Plan?

Yes. You can include riders in your base policy to enhance coverage. Depending on the insurer, you can generally add:

*   Terrorism cover
*   Adventure sports
*   Business cover
*   Winter sports extension
*   Golf extension, and more

## Top Travel Insurance Plans in 2026

| Plan Name | Starting Premium\* | Plans |
| --- | --- | --- |
| RAK Insurance Individual Standard - Pleasure | AED 33 | Buy Now |
| Orient Insurance Travel Lite Plus | AED 52 | Buy Now |
| Dubai Insurance Outbound Travel Premier | AED 67 | Buy Now |
| QIC Premium Traveler | AED 71 | Buy Now |
| Watania Takaful Gold- Travel Assurance | AED 73 | Buy Now |

**Disclaimer:** Travel insurance premiums above are indicative. The prices are for an individual, aged 29 years old, who is traveling to Georgia for 2 days and requires single trip travel insurance. Actual costs may vary as per several other factors, so always confirm the price before buying a policy.

## What are the Types of Travel Insurance?

Travel insurance is categorised as per the purpose of travel and by traveler:

*   **Single-trip Insurance -** This covers only a single trip, from the day you leave the UAE to the day you return. It’s ideal if you travel once or twice a year on short trips with your family and friends.
*   **Annual Multi-trip Insurance -** Are you a frequent traveler? If yes, the smart way to save money is to buy an annual multi-trip travel policy instead of single-trip insurance for every trip. This plan works as one policy for multiple trips within a year. It’s suitable for business travelers and frequent flyers.
*   **Student Travel Insurance -** If you’re a student and planning to pursue your studies abroad, buy student travel insurance. It covers you throughout the academic year. Beyond medical emergencies, you get coverage for interrupted studies, medical reasons, and emergency trips for family reasons and other reasons listed in the policy.
*   **Senior citizen travel insurance -** Senior citizen travel insurance has higher medical limits, coverage for declared pre-existing conditions, and coverage for old age-related emergencies. This type is designed for travelers aged 60 and above, although age limits vary by insurer and plan. Know more about [travel insurance for over 65](https://www.policybazaar.ae/travel-insurance/travel-insurance-for-over-65/) to understand what it all covers.
*   **Schengen Travel Insurance -** This insurance type is specifically designed for those traveling to any Schengen country from the UAE. The minimum coverage amount must be 30,000 Euros for medical expenses and repatriation. It must be valid across all 29 Schengen countries and cover your entire trip duration.

Note that this is a mandatory requirement for Schengen visas.

## Choosing the Right Type of Travel Insurance

 

[Single Trip Travel Insurance](https://www.policybazaar.ae/travel-insurance/single-trip-travel-insurance/)

[Group Travel Insurance](https://www.policybazaar.ae/travel-insurance/group-travel-insurance/)

[Business Travel Insurance](https://www.policybazaar.ae/travel-insurance/business-travel-insurance/)

[Schengen Travel Insurance](https://www.policybazaar.ae/schengen-travel-insurance-tic/)

[Annual Multi-Trip Travel Insurance](https://www.policybazaar.ae/travel-insurance/annual-multi-trip-travel-insurance/)

[Student Travel Insurance](https://www.policybazaar.ae/travel-insurance/student-travel-insurance/)

[International Travel Insurance](https://www.policybazaar.ae/travel-insurance/international-travel-insurance/)

[Domestic Travel Insurance](https://www.policybazaar.ae/travel-insurance/domestic-travel-insurance/)

[Family Travel Insurance](https://www.policybazaar.ae/travel-insurance/family-travel-insurance/)

[Flight Travel Insurance](https://www.policybazaar.ae/travel-insurance/flight-insurance/)

[Medical Travel Insurance](https://www.policybazaar.ae/travel-insurance/travel-medical-insurance/)

Most Travelled Countries

[Travel Insurance Georgia](https://www.policybazaar.ae/travel-insurance/travel-insurance-georgia/)

[Travel Insurance USA](https://www.policybazaar.ae/travel-insurance/travel-insurance-usa/)

[Travel Insurance Azerbaijan](https://www.policybazaar.ae/travel-insurance/travel-insurance-azerbaijan/)

[Travel Insurance UK](https://www.policybazaar.ae/travel-insurance/travel-insurance-uk/)

[Travel Insurance Turkey](https://www.policybazaar.ae/travel-insurance/travel-insurance-turkey/)

[Travel Insurance Russia](https://www.policybazaar.ae/travel-insurance/travel-insurance-russia/)

[Travel Insurance Belarus](https://www.policybazaar.ae/travel-insurance/travel-insurance-belarus/)

[Travel Insurance Indonesia](https://www.policybazaar.ae/travel-insurance/travel-insurance-indonesia/)

[Travel Insurance Poland](https://www.policybazaar.ae/travel-insurance/travel-insurance-poland/)

[Travel Insurance South Korea](https://www.policybazaar.ae/travel-insurance/travel-insurance-south-korea/)

[Travel Insurance Canada](https://www.policybazaar.ae/travel-insurance/travel-insurance-canada/)

[Travel Insurance Armenia](https://www.policybazaar.ae/travel-insurance/travel-insurance-armenia/)

[Travel Insurance Thailand](https://www.policybazaar.ae/travel-insurance/travel-insurance-thailand/)

[Travel Insurance for Japan](https://www.policybazaar.ae/travel-insurance/travel-insurance-japan/)

[Travel Insurance Oman](https://www.policybazaar.ae/travel-insurance/travel-insurance-oman/)

[Travel Insurance South Africa](https://www.policybazaar.ae/travel-insurance/travel-insurance-south-africa/)

[Travel Insurance Netherlands](https://www.policybazaar.ae/travel-insurance/travel-insurance-netherlands/)

[Travel Insurance Saudi Arabia](https://www.policybazaar.ae/travel-insurance/travel-insurance-saudi-arabia/)

[Travel Insurance Albania](https://www.policybazaar.ae/travel-insurance/travel-insurance-albania/)

[Travel Insurance Australia](https://www.policybazaar.ae/travel-insurance/travel-insurance-australia/)

[Travel Insurance Germany](https://www.policybazaar.ae/travel-insurance/travel-insurance-germany/)

[Travel Insurance Vietnam](https://www.policybazaar.ae/travel-insurance/travel-insurance-vietnam/)

[Travel Insurance Serbia](https://www.policybazaar.ae/travel-insurance/travel-insurance-serbia/)

[Travel Insurance Italy](https://www.policybazaar.ae/travel-insurance/travel-insurance-italy/)

[Travel Insurance Ireland](https://www.policybazaar.ae/travel-insurance/travel-insurance-ireland/)

[Travel Insurance Egypt](https://www.policybazaar.ae/travel-insurance/travel-insurance-egypt/)

[Travel Insurance Sri Lanka](https://www.policybazaar.ae/travel-insurance/travel-insurance-sri-lanka/)

[Hungary Travel Insurance](https://www.policybazaar.ae/travel-insurance/hungary-travel-insurance/)

[Travel Insurance Maldives](https://www.policybazaar.ae/travel-insurance/travel-insurance-maldives/)

[Travel Insurance Spain](https://www.policybazaar.ae/travel-insurance/travel-insurance-spain/)

[Travel Insurance Morocco](https://www.policybazaar.ae/travel-insurance/travel-insurance-morocco/)

[Travel Insurance France](https://www.policybazaar.ae/travel-insurance/travel-insurance-france/)

[travel Insurance Singapore](https://www.policybazaar.ae/travel-insurance/travel-insurance-singapore/)

[Travel Insurance Nepal](https://www.policybazaar.ae/travel-insurance/travel-insurance-nepal/)

[Travel Insurance China](https://www.policybazaar.ae/travel-insurance/travel-insurance-china/)

[Travel Insurance Jordan](https://www.policybazaar.ae/travel-insurance/travel-insurance-jordan/)

[Travel Insurance Switzerland](https://www.policybazaar.ae/travel-insurance/travel-insurance-switzerland/)

[Travel Insurance Malaysia](https://www.policybazaar.ae/travel-insurance/travel-insurance-malaysia/)

[Travel Insurance Philippines](https://www.policybazaar.ae/travel-insurance/travel-insurance-philippines/)

[Travel Insurance Greece](https://www.policybazaar.ae/travel-insurance/travel-insurance-greece/)

[Travel Insurance New Zealand](https://www.policybazaar.ae/travel-insurance/travel-insurance-new-zealand/)

[Travel Insurance Denmark](https://www.policybazaar.ae/travel-insurance/travel-insurance-denmark/)

[Travel Insurance Bangladesh](https://www.policybazaar.ae/travel-insurance/travel-insurance-bangladesh/)

[Travel insurance for India From UAE](https://www.policybazaar.ae/travel-insurance/travel-insurance-india/)

[Travel Insurance Iran](https://www.policybazaar.ae/travel-insurance/travel-insurance-iran/)

[Travel Insurance Bahrain](https://www.policybazaar.ae/travel-insurance/travel-insurance-bahrain/)

[Travel Insurance Hong Kong](https://www.policybazaar.ae/travel-insurance/travel-insurance-hong-kong/)

[Travel Insurance Lebanon](https://www.policybazaar.ae/travel-insurance/travel-insurance-lebanon/)

[Travel Insurance Sweden](https://www.policybazaar.ae/travel-insurance/travel-insurance-sweden/)

[Travel Insurance Cuba](https://www.policybazaar.ae/travel-insurance/travel-insurance-cuba/)

## Travel Insurance - FAQs

### Is travel insurance the same as health insurance?

No. Health insurance is a long-term, annual plan that specifically focuses on medical-related benefits. Travel insurance, on the other hand, covers you when you’re traveling to another country. Its coverage goes beyond medical emergencies, such as trip cancellation/delays, loss of baggage and important belongings, and more.

### How much does travel insurance cost?

Generally, travel insurance plans start at AED 22 for a short trip when you buy via Policybazaar.ae. However, remember that the final premium may differ. Actual costs depend on several factors, such as your age, trip duration, coverage sub-limits, destination, riders, and more.

### Can I buy travel insurance online after I've already arrived?

No, you must buy travel insurance UAE before your trip starts. This is because if you lose your baggage or personal belongings, or your flight is delayed at the time of arrival or even canceled, you won’t be covered for the losses you incurred during that tenure.

### Does travel insurance cover COVID-19?

Most travel insurance plans in the UAE now cover COVID-19-related medical expenses, though some include it as a standard benefit while others offer it as an optional add-on. Always confirm this with your chosen plan before you buy, and check the specific quarantine and testing costs it includes.

### Can senior citizens buy travel insurance for UAE?

Yes, senior citizens can buy travel insurance UAE. However, the premiums are higher, and some insurers cap the maximum age or add certain pre-existing condition terms. Check with your chosen insurance company for [senior citizen travel insurance](https://www.policybazaar.ae/travel-insurance/senior-citizen-travel-insurance/) coverage.

### What's the difference between single-trip and multi-trip travel insurance?

Single-trip covers only one trip. On the other hand, multi-trip insurance is an annual policy covering unlimited trips within the year. Multi-trip insurance is ideal for people who frequently travel abroad, such as businesspeople and entrepreneurs.

### Which travel insurance is best when travelling to another country from the UAE?

There is no specific insurance labelled as the “best travel insurance”. The best one entirely depends on your needs and preferences.

### Does travel insurance cover trip cancellation for any reason?

No. Cancelation cover in travel insurance UAE is valid only for the reasons specifically listed in your policy. This generally includes sudden illness or a death in the family. For instance, if you cancel your trip just because you changed your mind, it isn’t covered under any insurance policy.

### How do I compare travel insurance UAE plans properly?

You can easily compare plans with Policybazaar.ae. While browsing through multiple insurer websites can be confusing, Policybazaar.ae removes all the confusion and hassle. Just complete the lead form to get quotes from the top insurers on the same screen. Shortlist your preferred plans, compare them against each other, and buy a policy instantly.

### Know More About Travel Insurance

*   [Travel Insurance Plans in UAE](https://www.policybazaar.ae/travel-insurance/uae/)
*   [Best Travel Insurance Plans in Dubai](https://www.policybazaar.ae/travel-insurance/travel-insurance-dubai/)
*   [List of Visa Free Countries for UAE Residents](https://www.policybazaar.ae/travel-insurance/articles/visa-free-countries-for-uae-residents/)
*   [Top 10 Travel Insurance Companies in UAE](https://www.policybazaar.ae/travel-insurance/articles/10-best-travel-insurance-companies-in-uae/)
*   [Family Residence Visa UAE – Requirements, Costs](https://www.policybazaar.ae/travel-insurance/articles/family-residence-visa-uae/)
*   [Cancel For Any Reason Travel Insurance (CFAR)](https://www.policybazaar.ae/travel-insurance/articles/cancel-for-any-reason-travel-insurance/)
*   [How to Find an Affordable Travel Insurance for Dubai?](https://www.policybazaar.ae/travel-insurance/articles/cheap-travel-insurance-in-uae/)

## You May Also Check

*   [Health Insurance](https://www.policybazaar.ae/health-insurance/)
*   [Car Insurance](https://www.policybazaar.ae/car-insurance/)
*   [Term Insurance](https://www.policybazaar.ae/term-insurance/)
*   [Life Insurance](https://www.policybazaar.ae/life-insurance/)

## Travel Insurers

*   [Allianz Travel Insurance UAE](https://www.policybazaar.ae/insurance-companies/allianz-travel-insurance/)
*   [Orient Travel Insurance](https://www.policybazaar.ae/orient-travel-insurance-tipvd/)
*   [Union Travel Insurance](https://www.policybazaar.ae/insurance-companies/union-travel-insurance/)
*   [GIG Gulf Travel Insurance](https://www.policybazaar.ae/axa-travel-insurance-tipvd/)
*   [AIG Travel Insurance](https://www.policybazaar.ae/insurance-companies/aig-travel-insurance/)
*   [Oman Travel Insurance](https://www.policybazaar.ae/oman-travel-insurance-tipvd/)
*   [Emirates Travel Insurance](https://www.policybazaar.ae/insurance-companies/emirates-travel-insurance/)
*   [DIC Travel Insurance](https://www.policybazaar.ae/insurance-companies/dic-travel-insurance/)
*   [Liva Travel Insurance](https://www.policybazaar.ae/insurance-companies/liva-travel-insurance/)
*   [Adamjee Travel Insurance](https://www.policybazaar.ae/insurance-companies/adamjee-travel-insurance/)
*   [HSBC Travel Insurance](https://www.policybazaar.ae/insurance-companies/hsbc-travel-insurance/)
*   [World Nomads Travel Insurance](https://www.policybazaar.ae/insurance-companies/world-nomads-travel-insurance/)
*   [Metlife Travel Insurance](https://www.policybazaar.ae/insurance-companies/metlife-travel-insurance/)

## News & Updates

*   UAE Visa Crackdown - Blacklisting and Absconding Charges for Staying Past Visa DeadlineUAE offers a unique and diverse range of experiences for visitors. It has become a popular tourist destination due to its iconic architecture, bustling beaches, luxurious shopping destinations, and more. However, before embarking on the journey, it is essential to have a UAE visit visa. Depending on your requirements, several types of UAE visit visas are available, including tourist visa, transit visa, patients & their companion entry permits, short-term visas, and more.
    
    _June 29, 2026_
    
*   UAE’s Tourist Bank Account - A Smart Initiative to Simplify Banking for TravellersThe UAE has introduced a game-changing digital banking service exclusively for tourists arriving in the UAE. Through this service, visitors can instantly open a bank account upon arrival. It is a smart move that lets travellers manage finances and risks during their stay.
    
    _June 3, 2026_
    
*   Visa on Arrival for Indian Passport HoldersStarting this year (2026), Indian citizens are qualified for a UAE visa on arrival. However, they must hold a valid visa or residence permit from any one of nine approved countries, which now includes the US, UK, Canada, and Australia. The UAE has also introduced new visa categories for experts in artificial intelligence, events, entertainment, and the cruise industry. This move is expected to boost the economy by attracting top talent across the globe.
    
    _January 12, 2026_