Travel insurance is a unique product meant to protect you while traveling it offers you financial help in case something were to go wrong while you’re traveling. It is essential to buy insurance to protect your travel because it can provide peace of mind in the event of any unexpected issues that may arise during your trip. It covers a range of scenarios, including medical and dental emergencies, theft of your money or passport loss, flight cancellation and misplaced or lost luggage. ...read more
Travel insurance is a special kind of insurance that financially helps you when you are travelling. It's like a safety net that saves you if something unexpected happens and costs a lot of money.
Imagine you're on a trip and your bags get lost, you need to see a doctor urgently, your flight gets cancelled, or you're stuck somewhere because of a delay.
It can cover the money that you'd lose in these situations. Some places that you visit might even require mandatory insurance so that you don't end up in a tough spot if there's an emergency.
However, even if it's not required, having insurance is a smart choice. Remember — having the right insurance can turn a potential disaster into a minor hiccup, and you can enjoy your journey with peace of mind.
Travel Insurance UAE at Glance
Particulars
Specification
Insurance Cost
Starting at AED 22
Age Range Covered Under the Insurance
From 30 days to 65 years
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
Pre-Existing Medical Disease
Covers Family
Available with most plans
Claim procedure
Can Claim both online and offline
Claim Settlement Period
Depends on the insurance provider but typically within a few weeks
Customer Support
Possible in case of travel delay, with the insurer's approval
Policy Extension
Possible in case of travel delay, with the insurer's approval
Cancellation Policy
Free cancellation within a specific period, varies by insurer
Who Should Buy Travel Insurance?
Tourists
Students
Families
Senior Citizens
Businesses
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 plan. However, there is a limit on the number of members covered under such plans.
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 insurance plans provide a combination of medical insurance and travel benefits. The limit for such a insurance plan is between 30 and 45 days.
Families can also take a 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 insurance online also include plans specifically made for senior citizens. These travelling 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.
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 insurance plans except for their additional covers like cover for electronic gadgets.
Importance of Travel Insurance
Wide-Ranging Protection
It offers comprehensive coverage, i.e., it financially protects you in a variety of situations. This can include lost luggage, travel delays, and more so that you're covered for many unexpected events.
Emergency Medical Support
One of the key benefits of travel insurance is that it covers emergency medical expenses. So if you get sick or injured while traveling, travel insurance can help pay for your medical bills, which can be very expensive in some countries.
Protection for Cancellations
If you need to cancel or cut your trip short due to reasons like illness or a family emergency, you can get reimbursed for non-refundable expenses.
Liability Coverage
Personal liability coverage is another important feature. If you accidentally injure someone or damage their property while on your trip, insurance can cover legal costs or compensation claims.
Baggage and Personal Belongings
It also covers loss, theft, or damage to your baggage and personal belongings.
Adventure Sports and Activities
For those who love adventure, some policies cover injuries or accidents resulting from activities like skiing or scuba diving, which are often excluded from standard policies. You can also add them as optional riders to your existing policy to enhance coverage.
Offering bundled coverage for the entire family, this insurance simplifies protection for all family members traveling together. It's ideal for families seeking a unified policy that covers everyone.
Families traveling together: May require at least one adult and one child
Specifically required for visa applications to the Schengen area, this insurance meets the visa requirements and covers medical expenses and repatriation.
Travelers visiting Schengen area — must meet Schengen visa insurance requirements
Tailored for students studying abroad, this type of insurance covers health, personal belongings, and travel interruptions, often including coverage for study-related needs.
Students studying abroad — age limits may apply, usually between 16 to 35 years
Tailored for trips abroad, this insurance offers wide coverage. It's a must-have for anyone traveling outside their home country as it provides global protection.
Designed for one-off trips, this insurance covers you from the moment you leave your home until you return. It's perfect for occasional travellers who require coverage for a specific journey.
Available for one specific trip — no age restrictions but varies by provider
This insurance is for travellers who take multiple trips in a year, providing coverage for all trips within a set period (usually 12 months). Frequent travellers can benefit from this convenient and cost-effective option.
Frequent travellers: Some insurers may have age limits.
Visit Policybazaar.ae and click on the travel insurance icon on the home page.
Step 2
Choose Your Journey
Select whether you’re traveling to the UAE or traveling out of the UAE and fill in the destination country.
Step 3
Set Your Schedule
Enter the trip dates, including the starting and ending dates of your travel.
Step 4
Enter Traveller Info
Provide information about you and other travellers, including ages, number of people traveling and contact details.
Step 5
Pick Your Plan
Submit and explore travel insurance plans. Filter, budget, and choose coverage for your ideal plan.
The premiums for insurance are subject to change and may vary based on several factors including, but not limited to, the age of the travellers, the number of persons traveling, the destination, and the duration of the trip.
What Is Covered and Not Covered in Travel Insurance Dubai?
What it Covers?
What it doesn't cover?
Although the coverage of travelling insurance plans varies from one plan to another, some inclusions remain consistent across most policies. Generally, the insurance plan includes the following:
Emergency Medical Coverage: If you suddenly fall ill or get injured during your trip, travel insurance provides you with medical emergency coverage. This covers all the expenses related to hospitalisation, treatment, and more.
Trip Cancellation & Curtailment: You can get reimbursement for non-refundable expenses, such as flights and hotel bookings. This coverage can be claimed if your trip gets cancelled or cut short due to illness, death in the family, natural disaster, weather conditions, and more.
Medical Evacuation & Repatriation: The travel policy covers the cost of transportation to the nearest hospital or back to the home country in case of sudden illness or accident.
Luggage Loss & Damage: Get financial protection in case of baggage loss, damage, or theft during the trip. Under this coverage, you can get compensated by the insurer for the checked-in items by the airline.
Personal Liability: Protects you financially if you unintentionally injure or damage someone or someone’s property while travelling. It covers legal expenses and compensation for the damage or loss.
Pre-Existing Medical Conditions: Health issues arising during the covered trip due to pre-existing medical conditions are not covered in a travel insurance plan in the UAE.
Life-Threatening Adventurous Sports: Adventurous activities in which high risk is involved are not generally covered under a travel plan in Dubai. Skydiving, scuba diving, mountaineering, motor racing, and more are some of the common sport activities.
Travel Against Medical Advice: You cannot claim travel insurance if you are travelling against the doctor’s advice.
Drug and Alcohol Intoxication: Any claims resulting from accidents, injuries, health issues, or more due to the influence of drugs and alcohol are excluded under the travel policy.
War & Terrorism: Damages or injuries due to war, civil unrest, or terrorist activities are excluded under a standard travel insurance policy.
What is the Right Time to Buy Travel Insurance?
Ideally, after planning your trip and booking flights and hotels, you should purchase travel insurance. It’s usually advised to buy a policy at least 15 days before your departure.
Getting a plan early is the best way to secure coverage for trip cancellation, flight delays, and other unforeseen circumstances. If something goes wrong, you can seek compensation from your insurer for non-refundable expenses.
How Much Does Travel Insurance Cost in the UAE?
For most UAE residents, finding a plan that strikes the perfect balance between affordability and comprehensive coverage is a top priority. But while looking for a low-cost option, it’s important to know that several things can affect how much you pay for travel coverage. Understanding these factors can help you choose the right plan and avoid paying more than you need to.
Here are some factors that influence travel insurance premiums in the UAE —
Your age — Generally, older travellers face higher premiums
Travel destination — Travelling to high-risk destinations can shoot up the cost of your travel plan
Trip duration — The longer you travel, the more you will be charged by the insurer
Scope of coverage — The more comprehensive your plan, the higher your policy premium
Number of travellers — The cost goes up when you include more travellers in your travel policy
Health condition — Pre-existing medical conditions can significantly raise the premium or even lead to rejection
Add-ons — Choosing add-ons for extensive coverage increases the cost of travel insurance
How Can I Get a Low-Cost Travel Insurance Plan in the UAE?
With a few smart tips, you can find cheap travel insurance in the UAE —
Never buy travel coverage in a hurry! Always take your time to compare different options and choose one that fits your travel needs.
If you’re feeling puzzled, seek expert help (available at Policybazaar.ae) to find a suitable plan
Instead of global coverage, choose region-specific plans such as Schengen travel insurance
If not travelling solo, consider a group or family travel policy
A multi-trip insurance plan is more economical if you travel frequently in a year
Documents Required for Travel Insurance
When applying for insurance, it's essential to have all the necessary documents ready for a smooth and efficient process. Here's a list of the common documents required:
Completed application form
Passport copy
Visa copy (if applicable)
Travel itinerary
Flight tickets
Proof of accommodation (like hotel bookings)
Identification proof (such as a national ID card)
Proof of payment for the trip (receipts, credit card statements, and so on)
Recent passport-size photographs
Any other document requested by the insurance provider
Note: This list can vary depending on the insurance company and the type of insurance you're applying for. For this reason, it's always a good idea to check with your specific provider for any additional requirements.
How Does Policybazaar.ae Help You Buy the Right Travel Insurance Online?
When looking for the best Travel insurance online, it's important to choose a platform that offers a seamless process and allows you to compare various top insurance plans.
One such platform is Policybazaar UAE, which simplifies the process of finding and purchasing insurance that suits your travelling needs. When you buy insurance from Policybazaar UAE, you get to enjoy several advantages:
Convenience: Policybazaar.ae makes it easy to browse and compare different plans from the comfort of your home or office.
Time-Saving: The platform allows you to quickly compare the features, benefits, and prices of various policies.
Customisation: With Policybazaar UAE, you can tailor your policy according to your specific travel needs.
Paperless Process: The entire process — from comparing plans to purchasing your chosen plan is digital. This makes it efficient and environmentally friendly.
Top Insurance Plans Availability: Policybazaar UAE provides access to a wide range of insurance plans from leading insurance providers. It gives you the opportunity to choose the best and cheap travel insurance options available in the market.
Customer Support: Excellent customer service is available to help you understand different policies, clarify doubts, and assist you in the claim process, if necessary.
Countries that Require Mandatory Travel Insurance
Although 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.
Travel insurance covers you against unexpected events such as medical emergencies, trip cancellations, lost or delayed luggage, and other unforeseen expenses that can occur while traveling.
Q2. When to purchase Travel insurance for travellers?
It's best to buy insurance as soon as you book your trip. This way, you're covered for any pre-trip issues that might cause you to cancel such as illness or a family emergency.
Q3. Can I purchase insurance for travellers after booking?
Yes, you can purchase insurance after booking your trip. However, purchasing early ensures broader coverage, including for pre-trip cancellations.
Q4. Can travel insurance be bought after departure?
While some insurers may allow you to purchase insurance after departure, coverage may be limited, and there could be waiting periods for certain benefits.
Q6. How long does Travel insurance for travellers take to process?
The processing time for insurance applications is usually quick, often immediate for policy issuance, but claim processing times vary depending on the insurer and the complexity of the claim.
Q7. Is travel insurance mandatory for UAE?
While it is not mandatory for all visitors to the UAE, is highly recommended. For certain visa types, such as the Schengen visa, proof of insurance is required.
Q8. How much is Travel Insurance in the UAE?
The cost of travel insurance in UAE starts from AED 22. Note that actual costs depend on your trip’s length, destination, and various other factors.
Q9. Do I really need Travel Insurance?
Yes, travel insurance is always recommended — it ensures peace of mind when travelling. For just a few dirhams, you can get coverage against medical emergencies, lost luggage, trip cancellations, and more — all of which can drain your savings otherwise.
Q10. Can you get Travel Insurance Online ?
Q11. Who is the best to get travel insurance With?
There’s no particular name with respect to the best travel insurance company — it all depends on your needs. With Policybazaar.ae, you can compare top insurers like RAK Insurance, Alliance, Watania Takaful, GIG Gulf, and more to find the policy for your trip.
Q1. What does travel insurance not cover?
It typically does not cover pre-existing medical conditions (unless specified), injuries from extreme sports without additional coverage, and losses due to negligence or intentional harm.
Q2. What is covered under travel insurance?
It generally covers medical emergencies, trip cancellations and interruptions, lost or delayed luggage, emergency evacuations, and (sometimes) accidental death or dismemberment.
Q3. Does Travel insurance for travellers cover pre-existing diseases?
Most insurance policies don’t cover pre-existing conditions unless you purchase a specific plan that includes coverage for such conditions.
Q4. Does it cover cancellation?
Yes, usually it covers trip cancellation for reasons like illness, injury, or death of a family member, provided these reasons are listed in the policy.
Q5. Is there a limit on the covered travel days in insurance plans?
Yes, insurance plans have a limit on the number of days covered, which varies by policy. Some may cover trips up to a certain number of days or months.
Q6. Can business travel insurance be extended to include family?
Some business insurance policies allow for the inclusion of family members for an additional cost, providing coverage for both business and leisure travel.
Q7. How does the baggage delay cover work in travel insurance?
Baggage delay coverage reimburses you for the purchase of essential items if your checked luggage is delayed by the airline for a specified period, usually over 12-24 hours.
Q8. Does travel insurance cover theft?
Yes, it usually covers theft of personal belongings, provided you take reasonable care to protect your items and report the theft to the police.
Q9. Can you get Travel Insurance Online ?
Yes, with platforms like Policybazaar.ae, you can easily get travel insurance online from the comfort of your home. In a few clicks, you can compare the top plans and find the best fit for your next trip.
Q1. How much does a travel policy cost?
The cost of a travel policy varies widely based on the trip length, destination, age of the traveller, coverage amount, and type of coverage.
Q2. What is the best travel insurance?
The best insurance depends on your specific needs such as the type of trip, destinations, activities planned, and personal health considerations. Comparing policies and reading reviews can help you identify the best option in your case.
Q3. Can I get a refund on the remaining trip days from my travel insurance plan?
Typically, insurance plans don’t offer refunds for unused portions of a trip. However, some policies may allow for partial refunds under certain conditions.
Visa on Arrival for Indian Passport HoldersStarting this year (2026), Indian citizens are qualified for a UAE visa on arrival. However, they must hold a valid visa or residence permit from any one of nine approved countries, which now includes the US, UK, Canada, and Australia.
The UAE has also introduced new visa categories for experts in artificial intelligence, events, entertainment, and the cruise industry. This move is expected to boost the economy by attracting top talent across the globe.
January 12, 2026
Travel Troubles: India-UAE Flights Disrupted After Volcano EruptionThe eruption of the Hayli Gubbi volcano in Ethiopia has pushed volcanic ash across key sites in the Middle East and South Asia. This has forced airlines to cancel or reschedule several India-UAE flights. Oman’s Environment Authority has also cautioned residents about potential air-quality deterioration due to volcanic ash.
Note: Travel insurance can cover such flight cancellations and unexpected disruptions, except when airlines issue prior cancellation notices or advisories.
November 25, 2025
Long Vacation Ahead — Dubai Schools Get 4-Week Winter BreakDubai schools that follow the September-to-June calendar will enjoy an extended winter break from December 8, 2025, to January 4, 2026. It’s a major shift from the usual 3-week break, giving parents ample time for travel, holiday activities, and more. However, schools under the Indian curriculum, which follow the guidelines of India’s Central Board of Secondary Education (CBSE), will start the holidays on December 15.
September 25, 2025
Reviews & Ratings
★★★★★4.6 / 5
(based on 34,867 reviews)
Razia Khatun Dubai , 12 January 2026
★★★★★
Best travel insurance Plans in UAEIf u r looking for d best travel insurance online, wud suggest go to policy bazaar nd find the best 1 fr u. They hv a easy process and their customer support is very nyc. I m vry happy wid it.
Abdul Dubai , 12 January 2026
★★★★★
Great customer servicePolicybazaar customer service was helpful in guiding me to choose the best travel insurance online. I came to know the health perks too. Completely satisfied!
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★★★★★
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★★★★★
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Nafisa 16 September 2024
★★★★★
Very quick and amazing servicePolicybazaar UAE made it a matter of some clicks to get a comprehensive all-covering travel insurance in Dubai. Their online service is superb and helped me complete all the processes instantly. Policybazaar UAE is surely my favorite place now for getting travel insurance!
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★★★★★
Must visit for travellersSince my last experience with them, I've made it compulsory to visit Policybazaar UAE whenever I need travel insurance. For my last UAE trip, I got a perfect Dubai travel insurance plan covering practically everything I wanted at a very low price.
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Reviews
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Razia Khatun Dubai , 12 January 2026★★★★★Best travel insurance Plans in UAEIf u r looking for d best travel insurance online, wud suggest go to policy bazaar nd find the best 1 fr u. They hv a easy process and their customer support is very nyc. I m vry happy wid it.
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