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With global exposure and unprecedented connectivity, businesses are now able to perform worldwide trades with ease and convenience. At the same time, while technology has rendered remote functioning possible, one still requires frequent travel within and outside the country to grow a business and run it profitably.
As the UAE houses some of the world’s leading corporates and businesses, a massive number of business travels is required for their smooth running. However, journeys can often take unexpected turns and inconveniences, which translates into considerable losses.
To resolve this issue, several insurance providers offer best travel insurance in UAE. These travel plans are specifically designed for frequent business travellers. Additionally, they include personal accidents and trip inconveniences cover to provide you with comprehensive protection for your journey. Read the article below to learn more about business travel insurance, its features and benefits, and ways to get the right plan for your emerging venture.
Business travel insurance, similar to personal travel insurance, aims to provide comprehensive security for your trips. These plans are specifically designed for businesses by analysing their travel requirements, the threats and eventualities they may encounter during a business trip, and the implications of such incidents for them.
Several insurance providers in the UAE offer business travel insurance at nominal premiums and provide extensive security against travel accidents, medical emergencies, trip inconveniences like baggage loss, credit card fraud, etc. As a business traveller, you can opt for single trip insurance or purchase multi-trip travel insurance for the whole year to secure all your yearly trips in a single plan.
Particulars |
Specifications |
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Duration of Trip Cover |
Up to 90 days per trip depending on the insurance provider |
Age Range |
18 years to 65 years |
Countries Covered |
Over 200 countries depending on the insurance provider |
Duration of the Insurance |
Valid for 1 year (Renewable on yearly basis) |
Business Travel Insurance Benefits |
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Additional Riders |
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Claim Settlement Mode |
Online and offline |
Claim Settlement Period |
Around 30 days from filing the insurance claim |
Here is a comprehensive list of cheap travel insurance online plans in UAE :
Plan Name | Medical Cover | Max Duration | Starting from | Price |
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Alliance Insurance | AED 150,000 | 90 days/trip | AED 33 | ![]() |
Orient Insurance | AED 150,000 | 92 days/trip | AED 183 | ![]() |
See More Plans >> |
With a goal of covering diverse business requirements, insurers in the UAE provide a broad range of travel insurance plans that you can avail of. Here are a few important types of business travel insurance in the UAE.
Travel Insurance for Schengen Visa |
While comprehensive protection is the central aspect of business travel insurance in the UAE, these plans also offer a range of features that can help you secure your business travel better. Here are a few features and benefits of business travel insurance plans.
Extensive Travel Insurance - A business travel insurance provides extensive cover against various threats and eventualities that you may encounter during your travel. From travel inconveniences to accidents, the business travel plan secures you against unforeseen situations so that you can travel with peace of mind and succeed in your venture.
Cost-effective Travel Plans - With business travel plans in the UAE starting as low as AED 190, you can easily pay a small fee to financially protect you from a range of untimely situations in an affordable manner.
Extensive Medical and Dental Cover -You may get caught up in health issues, infections, or accidents and require immediate medical attention while travelling. Travel medical insurance provides extensive protection against various such health conditions, with several insurance providers offering dental coverage as well. If not, you can always go for a dental cover through add-on riders.
Baggage Loss and Delay Cover - Most insurance policies offer baggage loss and delay cover in case you lose your luggage during the trip. And while a few insurance companies offer flight baggage delay to secure baggage loss only during the flight, most companies offer security for your baggage for the entire trip.
Trip Cancellation Cover – If you select any comprehensive travel plan, you can easily secure your trip cancellation and postponement in the base plan. In case of last-minute cancellation or delay, the booking expenses are covered under your trip cancellation security.
Customisable Plans - Almost every insurer in the UAE provides a comprehensive plan that secures you against various trip eventualities to provide you with safer business travel. You can also customise your business travel plans through additional riders by paying a nominal premium in addition to your base plan.
Trip Cover of up to 90 days – While most business travel plans secure you for a 90 days’ trip, several insurance providers offer trip security between 30 and 92 days. You can verify the maximum period of security per trip by contacting your insurance provider.
Personal and Legal Liability Cover - Business travel plans in the UAE also come with personal and legal liability cover in case you get into an unforeseen situation. The plan covers the expenses for legal proceedings abroad.
Following are the top business travel insurance plans in the UAE.
AXA is one of the largest insurance providers in the world with an excellent track record and convenient claim process. Renowned for offering customisable and flexible insurance plans, AXA Business Travel Insurance provides comprehensive protection against a range of threats and eventualities that you may encounter during your business trip. Following are the key features and benefits of AXA Business Travel Insurance in the UAE.
Established in 1972, ADNIC is among the leading insurance providers in the MENA region. With an asset capital of over 2.51 billion AED, it is among the largest insurers in the UAE. The company offers a host of both conventional and customisable insurance products ranging from Home, Medical, and Personal to travel accident insurance for individuals and corporates.
ADNIC corporate travel insurance provides extensive coverage against numerous eventualities during business trips. Here are a few important features and benefits of ADNIC corporate travel insurance.
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Before purchasing any business travel insurance plan, you are required to ensure your eligibility. Following are the eligibility criteria for Business travel insurance in the UAE.
Travel Insurance by Age Group | ||
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Travel Insurance for over 65 | Travel Insurance for over 70 | Travel Insurance for over 75 |
Policy inclusions are the events and threats covered under the insurance plan. A business travel insurance secures the policyholder from various hazards as described in the inclusions list that one may encounter during the business trips.
Here are the important inclusions of business travel insurance in the UAE.
Note: You can also get additional coverage like maternity coverage if you select the appropriate business travel insurance plan.
While it might be comprehensive coverage, there are several events known as exclusions that are not covered under a business travel insurance plan. Here are a few major business travel insurance policy exclusions.
To get cover specifically for your requirements, you can always customise your plan by taking add-on riders available at an additional premium besides the base plan. Here are a few add-on riders for Business Travel Insurance in the UAE.
Emergency Dental Cover: Several business travel plans include emergency dental treatment as their basic coverage. In case you don’t have it in the basic cover, you can choose an add-on rider that will specifically provide coverage for emergency dental treatment.
Luxury Item Loss Cover: Despite covering baggage loss and delays, most business travel insurance plans don’t cover the loss of luxury items. In case you are travelling with luxury items during the trip, you can purchase an add-on rider for luxury items in addition to the basic business travel plan.
War-Prone Location Cover: Travel insurance plans generally do not cover losses or damages if you are travelling to war-prone locations. However, if you are required to travel to a war-prone zone for any crucial business, you can secure yourself with an add-on rider with a nominal premium.
Pre-Existing Medical Disease: Similar to war-prone locations’ aspect, pre-existing conditions are usually not covered under health insurance plans. So if you have a pre-existing condition that you wish to cover in your travel plan, you can purchase an additional rider along with your basic travel policy.
Electrical Items and Gadget Cover: While business travel insurance plans cover your luggage and belonging, they don’t secure your electrical items like laptops, mobiles, chargers, trimmers, etc. If you want to carry the electrical items during your business trip, you can easily get an electrical item and gadget cover in your generic travel insurance plan.
Since business travel insurance covers different events ranging from medical, personal, and accidents to baggage loss, etc., the claim process varies for each inconvenience. However, the common factor here is that the process of filing a business travel insurance claim is straightforward. Following are the steps to be followed while filing a business travel insurance claim process.
Travel Medical Claims: In case you need emergency medical care during your business travel, you can contact your insurer and head to the nearest network hospital. Inform the hospital about your travel medical coverage. The hospital will take care of the approval process, with the expenses of your treatment being directly transferred to the hospital by the insurance provider.
Theft or Loss of Personal Baggage and Personal Belonging: If you encounter loss or theft of your belongings, you will be required to contact the police and file a report. Call your insurance provider to intimate them about the incident and produce the police report. You will also need to mention the items’ list and the lost or stolen items in the report. After detailed scrutiny, the insurer will pay the compensation in the form of reimbursement.
Flight and Trip Related Claims: To file a flight cancellation and trip-related claims, you can file for settlement online. However, it is recommended to keep all the travel and stay-related documents handy.
Intimating your insurer is the initial step of filing business travel insurance claims. The next step involves the submission of supporting documents along with your policy documents and identity. To keep the process straightforward, here are the documents you need to keep handy for business travel insurance claims.
Type of Business Travel Insurance Claims |
Required Documents |
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Travel Medical and Dental Claims |
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Travel Accident Claims |
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Baggage/Belonging loss and theft |
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Trip Cancellation and Curtailment Claim |
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Death Claims |
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Note: The documents mentioned above are generic and indicative. You may be required to submit additional documents as per your insurer’s requirements.
A key aspect to note here is that as the business travel insurance plan is owned by the company, the policies are renewed by the business owners. However, the rest of the process is quite similar to individual travel insurance plans, as you can either visit a nearby branch or log in to their official website to renew the travel plan. Alternatively, you can purchase business travel plans from various insurance brokers.
Following are the steps to renew a business travel insurance in the UAE.
Step 1: Once you have purchased a business travel plan, you can access insurer services through an insurance account. You can start by logging in to your insurance account using your login credentials.
Step 2: Navigate to the insurance renewal section in your account.
Step 3: Select your plan to be renewed and customise it by adding or removing the add-on riders. If you wish to keep the same plan, you can skip and continue to the next step.
Step 4: You will receive the policy summary. Verify every detail and pay the renewal premium.
Step 5: Once your premium is paid, you will receive the renewed policy documents on registered contact details.