Travel Insurance

What is Travel Insurance?

Travel Insurance online plans are a kind of general insurance plan that keeps you and your belongings protected while traveling internationally and/or domestically. These cheap travel insurance 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 Insights

Particulars	Specification
Travel insurance Cost	Starting at AED 33
Age Range Covered Under the Insurance	30 days to 60-65 years
Covid-19 coverage	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
Medical Benefits	Accidental Death Emergency Medical Expenses Hospital Daily Cash Allowance Loss of Baggage Trip Cancellation Cover Missed Departure or Connection Flights
Add-ons	Emergency dental expenses Adventure Sports Cover Luxury Item Loss Cover Pre-Existing Medical Disease
Covers Family	Available with most plans
Claim procedure	Can Claim both online and offline
Claim Settlement Preiod	Varies with insurer

Who Should Buy Travel Insurance?

The following are some categories of people who can buy a travel insurance plan in the UAE -

Tourists

Tourists can purchase either an individual or group plan. Individual travel insurance plans offer benefits like emergency medical coverage, trip-related and baggage-related coverage, and more. 

Tourists travelling in groups, on the other hand, can secure a group travel insurance plan. However, there is a limit on the number of members covered under such plans. Group travel insurance plans are usually suitable for professionally booked trips and tours for groups.

Students

Generally, students between 16 and 35 years of age who go on education trips or pursue higher studies abroad should also secure a plan. These travel insurance plans provide a combination of medical insurance and travel benefits. A sponsor can also purchase a travel insurance plan for the student. The limit for such a travel insurance plan is between 30 and 45 days.

Families

Families can also take a travel insurance plan while travelling abroad. Such insurance plans usually include all the members of the family right from a 30-day infant to a 65-year-old adult. The upper age limit for members in the plans, however, differs from provider to provider. 

Senior Citizens

The options for travel insurance online also include plans specifically made for senior citizens. These travel insurance plans are designed for people who are more than 65 to 70 years old. The minimum and maximum age for the plan could differ depending on the provider. Some providers have set an upper limit for the age of 99 years, while others have set the maximum limit at 80 or 85 years. The plans available for senior citizens are usually more expensive than other plans. 

Businesses

Business owners can secure a business travel insurance plan for their employees who have to travel abroad for work. Any employee travelling for business can secure the plan only at the company’s discretion. These plans are similar to individual travel insurance plans except for their additional covers like cover for electronic gadgets. 

Why Do You Need Travel Insurance?

Let’s go through the top reasons to purchase a travel insurance plan -

Offers Financial Coverage in case of Medical Emergencies:

Most travel insurance plans financially cover you in case a medical emergency occurs abroad. This includes services like hospital cash allowance and the costs of medication. Most travel insurance plans also offer financial coverage for dental emergencies that may occur during the trip. 

Furthermore, medical evacuations are expensive if you cover them from their pockets. This is so because you would have to bear the expenses of treatment at a high-quality hospital, aerial transport (helicopter), and more. A travel insurance plan also covers such costs and ensures that timely medical assistance is provided to you. 

Fulfils Mandatory Requirements:

As a pandemic has already hit the world, most nations have made it mandatory for travellers to possess a travel insurance plan to enter their territories. In fact, several countries have made it compulsory to purchase a plan before applying for a UAE visa. The idea is to secure a travel insurance plan to protect both tourists and locals in case of any medical emergency.
Covers COVID-19 - A majority of the insurance providers in the UAE now cover COVID-19 as a disease under their travel insurance plans. They offer basic coverage that includes financial cover for a mandatory quarantine for 7 to 14 days and the costs related to the RT-PCR tests as well as medication in case the insured individual is diagnosed positive. 

Coverage for Lost Baggage is Available:

- Your trip may get ruined if you end up losing your luggage. However, when you secure a travel insurance plan, you would be covered for lost luggage as well. 

This cover also offers protection in case you lose personal documents or belongings. In this case, the provider would compensate you and help you buy things or to cover for the time wasted on locating the luggage during the trip.

Covers for Flight Delays or Cancellation: 

A delay in flight or a cancellation can hamper your entire trip itinerary. Even though you won’t be responsible for the delay or cancellation, you may still face hefty financial losses. With a travel insurance plan, however, you would be able to mitigate such costs.

Personal Liability Cover Provider:

In case the policyholder faces some legal issues during their trip abroad, their travel insurance plan can cover the related costs. This includes cover for court proceedings, legal fees, and so on.

When Should You Purchase Travel Insurance?

It is recommended to purchase a travel insurance plan within 14 days of making reservations for one’s trip. However, the best time for securing a plan should correspond to the date when the first arrangement for the trip is made. The earlier you purchase travel insurance, the better the scope of coverage. 

Reason to Buy a Travel Insurance Plan Online

By getting travel insurance online from a third-party aggregator like Policybazaar UAE, you can gain access to a plethora of deals and offers along with your purchase. Besides the deals, you can also compare plans from different providers and make an informed decision about what works best for you. 

Discussed below are the key reasons to buy a travel insurance plan online -

No Agent is Involved:

When you buy a travel insurance plan online, you won’t have to encounter any agent. This can be helpful as you would be able to make an informed decision by comparing different plans from the leading providers in the UAE. Moreover, you would be offered additional assistance from the designated help desk during the entire purchasing process. 

Affordable Plans:

When you purchase travel insurance online, you gain access to an entirely new world of benefits on your purchase. You can get the liberty to choose a plan that fits your budget and meets your travel requirements easily. 

Most online travel insurance plans are available at more reasonable premiums than offline travel insurance plans. This is because the costs and commissions associated with agents are eliminated while fewer administrative costs are included in the premium.

Scope of Comparison and Freedom to Choose:

With so many travel insurance plans from the top providers, you can get the liberty to compare and choose the plan that you desire. Websites like policybazaar.ae also provide ample facilities to help you buy travel insurance after comprehensively comparing different plans. 

Convenient Purchasing Process:

When you purchase travel insurance online, you won’t need to visit the provider’s office or wait in queues at the agent’s office, which can save you considerable time. You can buy a travel insurance plan from anywhere before you begin your trip abroad (at least 14 days prior). Most insurance providers also offer multiple payment modes like a digital wallet, debit card, credit card, net banking, and more.

Faster Documentation Process:

Offline travel insurance purchase usually involves a lot of clerical work like filling up application forms, manually computing the premium, and more. Once through, the agent would connect with you and inform them about the total plan cost. 

However, when purchasing a travel insurance plan online, you would simply need to provide basic information about yourself, submit relevant information and documents, and click on the apply tab. 

Benefits of Travel Insurance 

There are several important benefits of these plans which makes it worth buying them for every traveller. If you are wondering why to get a travel insurance online plans for each trip you take, below are some points explain why it is important for all:

• Covid-19 Coverage
• Baggage Cover
• Medical Cover
• Trip-related Benefits
• Portable Plans
• Mandatory Requirements
• Personal Liability Cover
• Flight-Related Benefits

Covid-19 Coverage

Covid-19 coverage is now offered as one of the main benefits of travel insurance online plans offered in the UAE. Most comprehensive 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. 

Baggage Cover

The baggage coverage of Travel 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. 

Medical Cover

The medical cover of a travel insurance online 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 insurance. 

Trip-related Benefits

You may face a few troubles when you are out on a trip. Trip-related coverage of Travel insurance online 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.  

Portable Plans

Annual travel insurance online plans can be ported to a different provider if you like. Porting plans is possible during the renewal period of the plan. 

Mandatory Requirements 

Having travel insurance online plan is often a must-have for many places around the world. This is not a mandate for all countries. You can find the mandatory requirements for any particular country.

Personal Liability Cover

Personal liability cover is a rather important travel 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. 

Flight-Related Benefits

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 travel insurance online for travellers. Almost plans offer compensation for cancelled flights, flight delays and other flight-related benefits of best travel flight insurance.

How Much Travel Insurance Cover Do You Need?

The ideal travel insurance coverage amount for you would be estimated on your requirements that could arise at the time of the trip. Some factors involved in determining how much cover you may need while travelling are discussed here -

The Travel Destination:

If you are travelling to remote locations on an international trip or intend to participate in adventurous activities, the coverage amount would be higher. This is because in case an unfortunate circumstance arises, say a medical emergency, there could be a need for emergency evacuation or arranging specialised services.

The Cost of the Trip:

Another essential factor that determines how much coverage you would need is the cost of the trip. The insurance coverage is estimated by taking travel bookings, accommodation bookings, and other prepaid charges into account. 

The Type of Traveller:

If you are an adventure aficionado, it is likely that the travel insurance coverage would be higher as you would expose yourself to higher risks. On the other hand, if you are a light traveller and do not experiment much, a basic plan would suffice.  

It is quite widespread and there are several divisions and sub-divisions when it comes to the types of plans.

Travel insurance online plans can be divided into three categories depending which are explained as follows:

1.As Per the Type of Travellers

Individual Travel Insurance:

Individual travel insurance online plans, as the name suggests, cover individual travellers only. The benefits included in an individual plan are as comprehensive as any other plan you may come across. Travel health insurance, trip-related and baggage related benefits are included in most Single plans in UAE. It is best suited for people travelling alone or group if groups with friends.

Family Travel Insurance

A family plan covers all included members of the family. Anyone from 30-day old children to 65-year old senior citizens can be included in family plans. The maximum age of members can differ a few years as per the provider you pick for your cheap travel insurance online plan.

2. As Per Geographical Coverage

Domestic Travel Insurance

Domestic plans offer you coverage when you are traveling to the Gulf countries or the UAE. The range of benefits covered in domestic plans is similar to those covered in international travel insurance plans. This can include, travel medical cover, trip-related coverage, flight-related covers and baggage benefits as well.

International Travel Insurance

As the name suggests, international plans are applicable all across the world. They offer you protection when you are travelling to a foreign country. The included benefits could be travel health insurance, flight curtailment and cancellation benefits, baggage related coverage and more.

Schengen Travel Insurance

Schengen plans are a type of international plans. These plans are applicable within the 26 Schengen countries only. The included benefits are similar to those provided in other kinds of plans. There are some minimum specified requirements that every Schengen plan must meet.

3. As Per Length and Frequency of Trips

Single Trip Travel Insurance Plan

As the name suggests, a single trip travel insurance online plan is designed to cover you only for one trip. The plan coverage begins as soon as you depart for the trip and ends as soon as your trip duration ends. All basic and add-on benefits are available in these plans. Single trip plans can be bought as individual travel plans, family plans or senior citizen plans as well.

Annual Multi-Trip Travel Insurance Plan

An annual multi-trip insurance plan comes with a yearly validity. It can be used to cover multiple trips taken within the tenure of the plan. Annual multi-trip plans are perfect for people who travel more than 3 times in one year. Almost all business insurance for travellers are multi-trip plans since travelling employees have to take multiple trips. The benefits included are the same as any other kind of plan from the portfolio.

Best Travel Insurance Online

Here is a comprehensive list of cheap travel insurance online plans:

Plan Name	Medical Cover	Max Duration	Starting from	Price
Alliance Insurance	AED 150,000	90 days/trip	AED 33
Orient Insurance	AED 150,000	92 days/trip	AED 183
See More Plans >>

What is covered under Travel Insurance online 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 it:

1. Travel Medical Insurance Coverage and Benefits

• Emergency Medical Expenses:As the name suggests, this benefit covers all emergency medical Covers for minor as well as major injuries and illnesses and offers reimbursement as per the assured amount of the plan.This also includes emergency dental cover.
• Medical Evacuation Cover:The medical evacuation benefit can help you get evacuated to the nearest hospital in times of need. This benefit can also be used to have you evacuated to your home country in case of a medical emergency.
• Hospital Daily Cash Allowance:If you happen to be hospitalised in a foreign country for an injury or illness, the travel medical insurance plans offer a daily allowance to cover hospitalisation fees, minus the deductible amount. It also covers the room rent of the hospital you are admitted to.
• Medical & Body Repatriation:This benefit is useful in case one of the covered members meet their demise on the trip. The medical repatriation benefit can be used to transfer their mortal remains back to their home country.
• Personal Accident Cover:When included in a travel insurance, personal accident cover offers compensation for accidental death, accidental disabilities and accidental medical expenses.
• Family Compassionate Visit Cover:If you fall ill and have to be admitted to a hospital when on a trip, your insurance for travellers may cover the compassionate visit of one of your family members.

2. Baggage-related Coverage

• Loss of Baggage:The loss of baggage benefit of a travel plan comes in effect when you lose your baggage while on the trip. This is valid for the entirety of the trip. The lost baggage benefit offers a compensation amount for the lost baggage as per the limit of the plan.
• Loss of Personal Documents:Losing your personal documents can be quite problematic. Most online plans provide coverage to recover your lost documents, especially your passport. Many plans offer compensation for all lost documents while others only offer cover for a lost passport.
• Loss of checked-in baggage:The baggage that you check in at the airport can also get lost. Checked-in baggage lost at the airport or on a flight is covered under this benefit. The coverage is offered up to the sub-limit of the plan.
• Delay of checked-in baggage:Since your checked-in baggage is transported separately, there is a chance for it to get delayed. This benefit offers compensation for the duration of the delay.

3. Trip-Related Benefits and Coverage

• Trip Cancellation Cover:In case your trip gets cancelled due to an unforeseen reason, your Travel insurance for travellers offers compensation to cover the financial loss of travel and accommodation bookings.
• Trip Curtailment Benefit:If your trip gets delayed due to any unforeseen reason, insurance for travellers would offer compensation for it.
• Personal Liability Cover: Personal Liability cover of plan offers help in covering for any kind of accidental personal liability you incur during the trip.
• Financial Assistance:Youronline plan may help you if you are facing any kind of financial troubles while on the trip.
• Delayed Departures:Delayed departure of your flights can not only be troublesome but may also lead to financial loss. Travel insurance policies compensate you for the delay as per the rate described in the plan.
• Missed Departure or Connection Flights:You get compensated for the price of the ticket of the flight that you have missed. The compensation amount is limited to the sub-limit of the benefit.
• Hijack Cover:If your plane happens to get hijacked, the Travel insurance online plan covers compensation for the duration of the hijack.
• Hotel Booking Cover:In case your trip gets cancelled, the travel online plan also covers the accommodation arrangements you made.

Add-On and Optional Covers

• Emergency dental expenses: Some plans cover dental expenses as a basic benefit while others require you to add it as an add-on benefit. The expenses covered only include the emergency dental treatments you take during the trip.
• Adventure Sports Cover: Adventure sports add-on covers bookings, equipment and medical treatment due to sports like skiing and diving.
• Luxury Item Loss Cover:While luggage loss is covered as a basic benefit of Travel insurance for travellers, losing luxury items like jewellery is not covered. However, an add-on can be used to cover the loss of your luxury items as well.
• War-Prone Location Cover:War-related damage and injuries can be covered by a genericplan with this add-on.
• Pre-Existing Medical Disease:Pre-existing conditions are covered by all health insurance plans in the UAE but the same does not apply to a plans. An add-on can be used to make sure that your plancovers medical treatment for pre-existing diseases as well.
• Electrical Items and Gadget Cover:Generally electrical items and gadgets like laptops are not covered by generic personal travel insurance online plans. This can be covered by a businessplans though. Add-on can be used to include this cover in your generic plan.

What is not covered under Travel Insurance online plans?

Following are some of the most common exclusions:

• Injuries and illnesses are caused when being a part of illegal or dangerous activities
• Unless covered by an add-on, treatment and hospitalization for pre-existing diseases are not covered
• Suicide or self-inflicted injuries are also not covered
• Injuries or illnesses are caused when under the influence of alcohol
• Medical trips were taken as per the doctor’s advice
• Damages caused by substance abuse
• Damages or losses are retained due to war or war-like situations
• Radioactivity or radioactive substances cause damages or injuries
• Any kind of non-medical expenses
• Cosmetic treatments or medical treatments for obesity
• Any kind of pregnancy complications

Best Travel Insurance Partners in UAE

Eligibility Criteria to Buy Travel Insurance Online

The eligibility criteria for buying the cheapest travel insurance plan 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:

Plan	Eligibility
Individual Plan	Minimum age limit for individual travel plans is18 years
Family Plan	Must be aged between 60-65 years
Business Plan	Only be bought by the companies
Senior Citizen Plan	Available for seniors aged 60 to 80 Years
Student Plan	Must beaged between 16 to 35 years
Schengen Plan	Available for only26 Schengen countries

General Eligibility Criteria to Buy Travel Insurance Online

• You should either be a UAE resident or a citizen to buy the cheapest travel insurance.
• Anyone older than 30 days can be included as an insured member of aplan. The maximum age can differ as per each provider.

Eligibility Criteria to Buy Travel Insurance as per the Type of Plan:

• Individual Plans: Any one individual can buy an individual travelplan. Most insurance providers set the minimum age limit for individual travel plans at 18 years.
• Family Plans: Most familyplans can cover two adults and two children. Any child older than 30 days can be insured by a familyplan. The maximum age limit here ranges around 60-65 years.
• Corporate or Business Plans: Businessplans can generally only be bought by the companies. Some providers also offer business plans to individuals though. A company-owned business can be utilized by employees at per company’s discretion.
• Senior Citizen Plans: Most providers allow people older than 60-65 years to buy senior citizen travel insurance online plans. The maximum age limit of senior citizenplans may differ as per the providers.
• Student Plans: Any student aged between 16 to 35 years of age can get a student travelplan. You will also need proper documents representing your status as a student.

Travel Insurance by Age Group
Travel Insurance for over 65	Travel Insurance for over 70	Travel Insurance for over 75

How Does Travel Insurance Work?

A travel insurance plan offers financial protection to you against several uncertainties that you face during your trip, which could result in you paying money out of your pocket. A plan also covers medical and dental emergencies, compensates for lost luggage, and reimburses for the costs related to the repatriation of mortal remains in case the policyholder, unfortunately, passes away during their trip. 

To purchase travel insurance online, you can compare the plans on the website, apply for one, and pay the premium. In case an unfortunate event happens, such as loss of luggage, you would be required to file a claim with the insurer. In most cases, a travel insurance plan reimburses you for your financial losses once you file a claim and get the claim approved. Filing a claim means that you would also be providing evidence of the loss incurred during your trip. 

Does Travel Insurance Cover Coronavirus (COVID-19) Disease?

With Covid-19 dominating the world as of now, more and more Travel insurance companies, if not all, are introducing coronavirus cover in their insurance plans, not only health but alsoplans 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.

How to Choose Best Travel Insurance Cover?

• Conduct Proper Research: Avoid picking the first option you come across. Conducting proper research is a must when you set out to choose the best travel insurance cover. Get information about the top providers in your emirates and take hold of their top plans. Compare the benefits of each plan you shortlist along with the cost of the plan. Comparing both things can help in determining the cost-effectiveness of the plan.
• Read Customer Reviews: Going through the reviews of existing customers can be very helpful to find the best-rated insurance cover. A lot of things may look good in theory but aren’t as good in practical situations. This can be identified from the reviews of other customers who have already bought it. Since everything is digital now, you can easily find the reviews online as well.
• Compare Quotes:Once you have figured the top 2 or 3 contenders to find your best travel insurance covers, get quotes for them. The actual quote you get for your cheapest travel insurance may differ from the face value shown by the provider. This is because several individual factors can influence the premium amount of your
• Check Flexibility of the Plans: Flexible travel insurance online plans are the best possible choice since you can cater them as per your individual requirements. Find a plan online that can be customised as you want it to be.
• Assess Your Needs: Sit back and make a list of benefits you actually need in youronline plans. While all benefits may seem important, they are not of any use to a lot of people. For example, buying a very comprehensive travel planwith an adventure sports cover will not make sense if you have no plans to go play adventure sports. List your requirements and then buy a plan according to them.

How to Calculate Travel Insurance Premium Online?

One sure–shot easy way to calculate travel insurance premium is by using an online travel insurance cost calculator. Several suchpremium 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 thecalculator 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.

Tips to Reduce Your Travel Insurance Premium

Buy Your Plan Early: The later you put off buying a cheap travel insurance online plan, the higherpremium you will get. Purchasing your cheap travel insurance plan early can help you get significantly lower premiums. The ideal time to buy a 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 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 mostproviders offer and the premiums are way too high.

Customise Your Plans: Try and customize your 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 Travel 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 lowerpremiums.

What Is the Travel Insurance Online Claim Process?

Claim procedure for your travel insurance online plan may differ a little every time depending on the type of claim you need to submit. The process to file claims is quite simple though. Given below are the steps you will need to follow for any certain kind of insurance claim you need to file:

• Medical Treatment Claims:If you require emergency medical treatment, call yourprovider and inform them about the situation. Head to any of the network hospitals and let the hospital know about your insurance coverage. The hospital will get approval from the provider and begin your treatment. The treatment costs will be covered by the insurance provider.
• Theft or Loss of Personal Effects:Contact the police right away and file a report. Call theprovider next and let them know about the loss. Get the police report and make an itemized list of the stolen/lost things. Submit both these things along with a claim form and other required documents. You will receive the claim amount in the form of reimbursement.
• Flight and Trip Related Claims: Travel insurance online claims like cancelled flights, cancelled or delayed trips or high-jacked flights can be filed as reimbursement claims. Keep all related documents like flight tickets and accommodation booking receipts safe.

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.

How to Renew a Travel Insurance Policy?

Renewing your travel insuranceis quite easy given the availability of both online and offline options in our midst. Mind that only annual multi-tripplans 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 yourplan offline, simply visit the provider branch and set up a renewal request. Your broker will take care of the rest. To renew your planonline, you can either go to the provider website or the aggregator website and follow the given steps:

Locate the renewal portal for insurance at the provider/aggregator website.

Step 1: Log in using your travel insurance online 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.

6 Tips for Choosing Best Travel Insurance Online

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 policy:

• Affordability of the Premium:The premium of any insurance policy, for sure, plays a major role in the selection of a policy. Therefore, check the premium and make sure the coverage that the policy offers justifies it.
• The Credibility of the Insurance Company:The goodwill and positive reviews of the company play a major role while making a selection.
• Hassle-Free Buy, Renew, and Claim Settlement Process:Select a insurance company that offers convenient methods to buy, renew, and settle the claim.
• Travel Destination:Make sure that your travel insurance policy is covering the travel destinations of your choice.
  Moreover, the travel destinations that you want to cover affect the premium as well. Travelling to countries where the medical expenses are high cost more premium.
• Travel Duration:The duration of the travel affects the premium too. An insured has to pay a higher premium for journeys with a long duration. So, make a selection accordingly.
• Claim Settlement Ratio:Select an organization that has a good claim settlement ratio. A claim settlement ratio or claim settlement percentage tells a lot about the company and its reputation, so don’t rely on an insurer without checking the claim settlement ratio.

How PolicyBazaar.ae Helps to Get the Best Travel Insurance Policy Online?

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 online plans from all the best providers in the UAE. You can compare plans, get quotes, read customer reviews and then buy Travel Insurance plan. We work in a partnership with some of the topproviders 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:

• Compare and buy Travel Insurance plans on a single unified platform.
• Get 24x7 customer services with our pro-active customer help department.
• Access to topproviders in the UAE.
• Advice from our financial experts to find your perfectplans.
• Easy renewals and quick coverage every time you need.

Countries That Need International Travel Insurance Policy

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 itif 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 itapart from the UAE:

Anguilla Antarctica Aruba The Bahamas Bermuda Brazil The British Virgin Islands Cambodia The Cayman Islands Chile Costa Rica Cuba

Curacao The Democratic Republic of Congo The Dominican Republic Ecuador Egypt French Polynesia Israel Iran Jamaica Japan Jordan Lebanon

Mexico Nepal New Zealand Qatar Russia Schengen Countries St. Maarten Tahiti Thailand Turkey Turks and Caicos Ukraine

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.

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