This article enlists all the things to keep in mind for travelling to Thailand from UAE.
Travel insurance is a type of insurance that covers the costs and losses associated with traveling, such as trip cancellations, flight delays or cancellations, lost or stolen luggage, medical emergencies, and other unforeseen expenses. It is important to buy travel insurance because it can provide financial protection and peace of mind in the event of any unexpected issues that may arise during your trip. read more
As the term suggests, 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 Cost||Starting at AED 33|
|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 following are some categories of people who can buy a travel insurance plan in the UAE -
Tourists can purchase either an individual or group travel insurance 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 in the age group between 16 and 35 years, going on education trips or pursuing higher studies abroad should also secure a travel insurance 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 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.
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 travel insurance plans.
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.
Let’s go through the top reasons to purchase a travel insurance plan -
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.
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 travel insurance 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.
- 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.
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.
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.
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 travel insurance 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.
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.
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 travel insurance providers in the UAE. Moreover, you would be offered additional assistance from the designated help desk during the entire purchasing process.
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.
With so many travel insurance plans from the top travel insurance 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.
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.
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.
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 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.
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.
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.
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.
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.
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 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.
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.
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 -
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.
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.
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:
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.
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.
Business plans are bought by companies and business organisations for their employees who travel for work. Any employee of a company who travels internationally can utilise business plans at the company’s discretion. Benefits included in a business plan are quite similar to that of a generic personal plan. A few added covers may be found here though. This can include being benefits like cover for electronic gadgets. Other than that, basic benefits like travel medical insurance and baggage and trip covers are also available.
Student plans are designed for students who travel abroad for studying. Any student between 16 and 35 years of age can avail of a student insurance in UAE. Apart from the basic travel medical insurance and travel benefits, a student insurance plan may also include benefits like sponsor cover and study interruption cover.
Travel insurance online plans for senior citizens are designed for people older than 65-70 years of age. The minimum, as well as maximum age applicable for these plans, can differ as per the provider. Some providers offer up to the age of 99 years while some only offer it until 80-85 years. Senior citizen plans are more expensive than any other kind of policy. This is due to the increased risk factor that older people bring in for the insurer.
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.
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 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.
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.
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.
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 >>|
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:
Following are some of the most common exclusions:
The eligibility criteria for buying the cheapest travel insurance planis 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:
Minimum age limit for individual travel plans is18 years
Must be aged between 60-65 years
Only be bought by the companies
|Senior Citizen Plan||
Available for seniors aged 60 to 80 Years
Must beaged between 16 to 35 years
Available for only26 Schengen countries
|Travel Insurance by Age Group|
|Travel Insurance for over 65||Travel Insurance for over 70||Travel Insurance for over 75|
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 travel insurance 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.
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.
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.
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.
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:
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 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.
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:
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:
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:
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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The United Arab Emirates (UAE) has announced 15 new updates to its visa and entry permit system, making it easier for travellers to visit the country. The changes include the extension of tourist visas for up to 90 days, the addition of a multiple-entry tourist visa valid for 5 years, and the introduction of a remote work visa for professionals. The updates also include simplified visa procedures for transit passengers, students, and medical tourists. The changes are part of the UAE's efforts to boost its tourism industry and attract more visitors to the country.
Travellers visiting the United Arab Emirates (UAE) will now be required to declare any cash or valuables they are carrying if the total value exceeds AED 60,000 (approximately USD 16,000). The new rule applies to all entry and exit ports, including airports, seaports, and land crossings. Failure to declare the assets can result in fines or legal action. The move is aimed at enhancing transparency and combating financial crimes such as money laundering and terrorism financing. The authorities have assured that the declaration process will be swift and convenient for travellers.