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.

Why Do You Need Travel Insurance UAE?

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, 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 travel insurance UAE 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 UAE Travel Insurance

Why Do You Need Travel Insurance?

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 UAE 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 UAE?

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 UAE 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 UAE Travel Insurance Plans in 2026

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 UAE?

Travel insurance UAE 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 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.

Travel Insurance - FAQs