Travel Medical Insurance in UAE

What is Travel Medical Insurance?

Travel medical insurance in the UAE is a policy that pays for medical treatment, hospitalisation, and related emergencies while you’re outside the country.

Keep in mind that travel medical insurance is a part of a comprehensive travel insurance plan. With this specific cover, you can access doctor visits, ambulance services, emergency surgery, and even medical evacuation if a local hospital does not have the facility to provide you with the right treatment.

The coverage period can be as short as a weekend getaway or as long as a year for frequent business travellers. Some plans are single-trip, covering one journey from departure to return. Others are annual multi-trip policies, useful if you travel three or four times a year and don't want to buy a fresh plan every time.

Best Travel Medical Insurance Online 2026

Disclaimer: The premiums mentioned are based on quotes available on Policybazaar.ae and are for reference purposes only. The actual premium may vary depending on factors such as age, destination, trip duration, coverage selected, and other applicable details. The premiums shown in the current table are based on a traveller aged 18 years, travelling to Armenia for a 2-day trip.

Why Do You Need Travel Medical Insurance?

Your UAE health insurance doesn't follow you abroad: Most UAE medical policies across all emirates are designed for treatment within the country. This means that when you travel to another country, your medical insurance is not valid anymore. However, you can find some comprehensive travel medical plans with international coverage.

Overseas treatment is expensive and involves upfront payment: A minor emergency room visit in the US or UK can easily cost the equivalent of several thousand dirhams before any actual treatment begins. Hospitals in many countries expect cash, card, or proof of insurance before admitting a patient for anything beyond life-threatening care. Without a policy, you're either paying out of pocket or being turned away.

Visa requirements make it non-negotiable for certain trips: If you're applying for a Schengen visa to visit France, Germany, or any of the other 27 member states, you need travel insurance with a minimum medical coverage of EUR 30,000 (must be valid for the entire duration of your stay). Embassies check this before approving the visa, and applications without it get rejected outright.

Emergencies can happen: Incidents like road accidents, altitude sickness on a trek, an allergic reaction to unfamiliar food are uncertainties that we cannot always predict. These medical emergencies may require medical consultations. Medical coverage in your travel policy comes in handy during these situations.

Repatriation and evacuation costs are very expensive without cover: If you need to be flown back to the UAE for treatment or transferred to a better-equipped hospital in another city, air ambulance costs are quite high without medical coverage.

What is Medically Covered in a Travel Insurance Policy?

Coverage varies by insurer and plan tier, but travel medical insurance policies generally include the following:

• Emergency hospitalisation: Room charges, doctor’s fees, and treatment costs for sudden illness or injury during the trip
• Emergency medical evacuation: Transport to the nearest equipped hospital, or back to the UAE, if local facilities can’t manage the case
• Repatriation of mortal remains: Covers the cost of sending a deceased traveller’s remains home
• Outpatient treatment: Consultations, diagnostic tests, and prescribed medication for non-hospitalisation cases, such as minor infections or injuries
• Accidental death and permanent disability: A lump sum payout if the policyholder dies or is permanently disabled due to an accident during the trip
• COVID-19 medical expenses: UAE insurers now include this after it became a standard requirement post-pandemic, though limits vary
• Personal accident cover: Compensation for injuries sustained in an accident, separate from the medical treatment itself

What are the Exclusions of a Travel Insurance Policy?

Common exclusions in UAE travel medical insurance include:

• Pre-existing medical conditions: Treatment for pre-existing medical conditions is not covered
• Travel against medical advice: If a doctor advised you not to travel and you did anyway, related claims get rejected
• Self-inflicted injury or intoxication: Injuries sustained while under the influence of alcohol or drugs, or any self-harm, fall outside cover
• High-risk or adventure sports: Activities like skydiving, scuba diving, mountaineering, or bungee jumping are excluded unless you’ve added specific adventure sports cover
• Pregnancy and childbirth: Routine pregnancy care and delivery are generally not covered
• War, civil unrest, and travel to sanctioned regions: Trips to countries under travel advisories or active conflict zones are excluded
• Cosmetic or elective treatment: Anything not medically necessary, including elective surgery, is not covered

How to Buy Travel Medical Insurance via Policybazaar.ae?

Policybazaar.ae is your trusted marketplace for all insurance needs. Whether you’re travelling to the UAE or outside it, you can find the most suitable travel policies for yourself and your family. Follow these steps to get your plan instantly:

1. Enter your contact and travel-related details in the lead form
2. Compare plans on the quotes
3. Read the policy wording carefully
4. Select a plan and buy
5. Once you make the payment, you will receive your policy on the registered email ID

How to Make Medical Claims in Travel Insurance?

Step 1: Call the insurer’s emergency assistance line first

Do this before or as soon as possible after seeking treatment for initiation of reimbursement. Some insurers may offer cashless treatment at network hospitals if you inform them upfront, which means you won’t have to pay out of pocket at all.

Step 2: Get the paperwork from the treating hospital

This includes the medical report, discharge summary, medical bills and invoices. Ask for these before leaving the hospital so that you don’t face any issues during the claim process.

Step 3: Submit the claim form with supporting documents

Fill out the claim form and attach the medical reports, bills, passport copy, boarding pass or travel itinerary, and other required documents.

Step 4: Track the claim status

Keep a track of your claim status after submitting the form. In case of any delays, rejection, or missing documents, promptly reply to your insurer.

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