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As the term suggests, travel insurance Dubai is a kind of general insurance plan that keeps you and your belongings protected while traveling internationally and/or domestically. These plans are designed to offer compensation and cover most kinds of personal losses you may face during your trip. This can include flight cancellations, hotel booking cancellations, medical treatment, personal liability, etc.
|Travel insurance Cost||Starting at AED 24|
|Age Range Covered Under the Insurance||30 days to 60-65 years|
Mandatory quarantine stay expenses for 7 to 14 days, including the cost for RT-PCR tests and medicines.
|Countries Covered||200+ Countries covered|
|Duration of Insurance||Single trip: A trip of upto 90 days or upto the return date ( which ever is earlier )
Multi trip: Valid up to 1 year with a maximum coverage of up to 90 days per trip
|Covers Family||Available with most plans|
|Claim procedure||Can Claim both online and offline|
|Claim Settlement Preiod||Varies with insurer|
The United Arab Emirates puts a lot of emphasis on travel insurance plans. This is evident from the fact that all visitors must have a proper travel insurance. Travel insurance focuses on ensuring that you have every possible protection cover you may need when travelling to a foreign country. From medical benefits to trip cancellation and personal liability, every important benefit is provided by travel insurance. These plans can be bought via both online and offline platforms. There are over 60 insurance providers you can scout through.
There are several important benefits of travel insurance plans which makes it worth buying them for every traveller. If you are wondering why to get a travel insurance for each trip you take, below are some points explain why is travel insurance important for all:
Covid-19 coverage is now offered as one of the main benefits of travel insurance plans offered in the UAE. Most comprehensive travel insurance plans include Covid-19 coverage as a basic benefit while others may have it as an add-on cover. Covid-19 cover, in most cases, covers the mandatory quarantine stay for 7 to 14 days as well as the cost for RT-PCR tests and medicines, if you need any. This mostly only applies when you get tested positive for Covid-19.
The baggage coverage of insurance for travellers is one of the most sought benefits. Losing your baggage during a flight or having it delayed can cause a lot of problems when you are on a trip. Baggage cover benefits like lost baggage benefit lost personal documents benefit or baggage delay benefit allows you compensation to either help you buy things you need for the trip or to compensate for lost time during the trip.
The medical cover of a travel insurance plan offers much-needed help when you are away from home in a foreign country. From emergency medical coverage to medical evacuation, hospital cash allowance, and repatriation, almost all necessary services are covered in medical cover offered by travel insurance.
You may face a few troubles when you are out on a trip. Trip-related coverage of insurance for travellers ensures that you are protected in these times of need. Trip-related benefits included in travel policies can be personal liability cover, legal fee cover, missed or delayed flight cover, hijack allowance and more. This range can differ as per the comprehensiveness of the plan.
Annual travel insurance plans can be ported to a different provider if you like. Porting plans is possible during the renewal period of the plan.
Having travel insurance is often a must-have for many places around the world. This is not a mandate for all countries. You can find the mandatory travel insurance requirements for any particular country.
Personal liability cover is a rather important travel insurance benefit. It covers any liability you come across while travelling. Personal liability benefit covers third-party liabilities that arise due to an accident. Liabilities coming out of performing illegal activities are not covered, however.
Flights are often subject to change, cancellation and even delay. While flight cancellation is not something that you can control, you can certainly save yourself some costs by getting insurance for travellers. Almost plans offer compensation for cancelled flights, flight delays and other flight-related benefits of best travel flight insurance.
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Travel insurance is quite widespread and there are several divisions and sub-divisions when it comes to the types of travel insurance in UAE.
Travel insurance plans can be divided into three categories depending which are explained as follows:
Here is a comprehensive list of cheapest travel insurance :
|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 >>|
Travel insurance cover inclusions can be divided into three main categories – travel medical insurance coverage, trip-related coverage and baggage-related coverage. These three categories have several further benefits. Examine the below-given section to find what is covered under travel insurance :
Following are some of the most common travel insurance exclusions:
|Does Travel Insurance cover Pregnancy?|
The eligibility criteria for buying the cheapest travel insurance plan in UAE is pretty simple really. You should be older than 18 years of age and have valid ID proofs for your citizenship or residency. However, a few other eligibility criteria may be applicable as per the type of travel plan you need to buy. Given below is the complete list of eligibility:
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.
One sure–shot easy way to calculate travel insurance premium is by using an online travel insurance cost calculator. Several such online travel insurance premium calculators are available on the internet for you to utilise. While all these calculators may differ a little, most of them require similar information to give you a result. The information you may need to get results via the travel insurance calculator online can include, the type of plans you need, existing medical conditions, personal details, and the expected assured sum of the plan. Just fill in the required information and obtain the results.
Buy Your Plan Early: The later you put off buying a travel insurance plan, the higher travel insurance premium you will get. Purchasing your travel insurance plan early can help you get significantly lower premiums. The ideal time to buy your cheapest travel insurance plan is when you buy your travel tickets and accommodation arrangements.
Compare Your Options: Comparing different options you come across not only gives you a fair idea of the cheapest available plan but also help in determining the market standards. So, always compare your top cheapest travel insurance premium options before you make a final decision.
Steer Clear of Bundle Deals: Many airlines offer bundle deals when you buy your air tickets. These bundle deals often seem like the easy way to get done with travel insurance plan shopping. But in reality, these bundle plans are not as cost-effective as you would like them to be. The offered benefits are way lesser than what most travel insurance providers offer and the travel insurance premiums are way too high.
Customise Your Plans: Try and customize your travel insurance coverage as per your unique needs. Make a list of your requirements and then find a plan that suits them. A plan that is flexible and customizable will save you some cost since you can remove all the unwanted benefits and reduce the price.
Take Your Time: Being hasty is not something you want to be when choosing an insurance plan. Whether it is insurance for travellers or a health insurance plan, taking your time is the key. Invest a few hours in research and only then make the final decision.
Consider Multi-Trip Plans: If you are planning to take multiple trips within one year, it is best if you buy a multi-trip plan. Buying individual plans for each trip will cost you a lot more.
Buy Online: Almost all insurance providers in the UAE offer special discounts for online purchases. Check out if the provider of your choice also offers such a discount and take advantage of it to get lower travel insurance premiums.
Claim procedure for your travel insurance plan may differ a little every time depending on the type of claim you need to submit. The process to file travel insurance claims is quite simple though. Given below are the steps you will need to follow for any certain kind of travel insurance claim you need to file:
Calling and informing the insurance provider is one of the primary steps. Also make sure that you have all the required documents like medical bills, police reports, list of lost items, flight tickets, hotel booking receipts, etc. Other important documents you will need include a passport, policy documents and claim forms.
Renewing your travel insurance in UAE is quite easy given the availability of both online and offline options in our midst. Mind that only annual multi-trip travel insurance plans can be renewed. Single–trip plans can only be extended up to a few days only. The extension limit may vary as per the provider.
To renew your travel insurance plan offline, simply visit the provider branch and set up a renewal request. Your broker will take care of the rest. To renew your travel insurance plan online, you can either go to the provider website or the aggregator website and follow the given steps:
Locate the renewal portal for travel insurance at the provider/aggregator website.
Step 1: Log in using your travel insurance membership number and password provided by the insurer.
Step 2: Go to the renewal form and fill out the requested details.
Step 3: Pick the plan you want to renew with, add or remove add-ons if you wish. If you want to renew with the same plan, simply skip this step and continue.
Step 4: Verify everything and complete your renewal request by paying the premium.
Step 5: Your policy documents will be forwarded to you via email.
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:
Combining research, comparison, customer reviews and shopping and bringing them to a single platform, Policybazaar.ae eliminates quite a lot of steps of your buying process. Policybazaar.ae is a universal platform where you can find top travel insurance plans from all the best providers in the UAE. You can compare plans, get quotes, read customer reviews and then buy your plan. We work in a partnership with some of the top travel insurance providers in the UAE. Quality customer service and top-tiered financial advice are some of our many seamless services. You can expect to get the following when you shop with Policybazaar.ae:
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:
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.
The cost of a travel insurance in UAE can differ as per the type and level of coverage you choose. Your choice of provider can also influence the cost of your travel plan.
A travel insurance offers the required level of protection you need when travelling to a foreign country. In addition to that, many countries have made travel insurance a mandatory protection plan for all visitors. UAE is one of these countries as well.
You can buy your travel insurance dubai plan whenever you like as long as it is before your trip starts. However, the best time to buy your travel insurance plan is around the time you buy your travel tickets and bookings. The earlier you buy your travel insurance plan, the better it is for you.
Yes, you can purchase your travel insurance plan after you have made your travel bookings as long as it is before you depart for the trip and board your flight.
No, you cannot buy your travel insurance after you have departed for your trip.
You can buy travel health insurance from insurance providers and aggregators. However, it is best to buy your travel insurance from insurance aggregators like Policybazaar UAE to score additional discounts and better deals.
Insurance for travellers does not cover illness and injuries because of illegal activities or suicidal activities. Exclusions also include substance abuse, war-like situations, non-medical expenses, cosmetic treatment, pregnancy complications, etc.
You can buy insurance for travellers from providers, aggregators or airlines in the UAE.
Most travel insurance plans cover medical expenses, baggage-related benefits and trip-related benefits like trip cancellation, trip delay and personal liability.
You can now buy travel insurance offline as well as on online platforms. Providers, aggregators as well as airlines have online websites and purchasing portals for customers.
Pre-existing diseases can be covered using an add-on cover with your basic travel insurance plan.
Trip cancellations are covered when it happens due to an unforeseen reason. Injuries, illnesses, and the death of a family member or travel companion are also generally seen as covered reasons.
The coverage of your travel insurance for dubai begins as soon as you purchase the plan. This means that benefits like trip cancellation cover will come into effect from the day you purchase the plan.
Business travel insurance plans are offered to employees who are travel internationally for work. Business or corporate travel insurance plans are bought by companies and not their employees. The coverage is offered in ways similar to that of group health insurance plans.
The best travel insurance for any individual can differ as per their individual needs. Annual multi-trip travel insurance policies are the best choice for people who take more than 3-4 trips in a year. Evaluate your travel insurance requirements to find the best travel insurance for dubai.
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.
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.
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.
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.
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.
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 for Dubai.