Buy Travel Insurance for a Hassle free Trip!
Going abroad? Protect your trip with 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 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.
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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.
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.
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:
Here is a comprehensive list of top 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|
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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:
Following are some of the most common travel insurance exclusions:
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:
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.
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.
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.
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:
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:
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.
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.
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.
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.
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.
The coverage of your travel insurance begins right from the starting date of your journey that you have mentioned in the application form.
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.
No. you can only purchase travel insurance before setting out on the trip.
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.
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.