Travel Insurance in Dubai, UAE

What is Travel Insurance? 

Travel insurance safeguards you from the financial impact of unfortunate events and disruptions during a trip. Whether it’s a medical emergency abroad, sudden trip cancellation, or misplaced luggage, the best travel insurance ensures coverage and compensation. It is ideal for all purposes, be it family vacations, business trips, abroad studies, solo trips, and more.

What are the Types of Travel Insurance in UAE?

You can select and buy travel insurance in the UAE under the categories mentioned below —

Single-Trip Insurance

This insurance type only covers a one-time journey. Suitable for occasional travellers, it offers protection against unfortunate events, such as flight cancellations, medical emergencies, and more. 

Multi-Trip Annual Insurance

With this insurance, you stay protected during your journey throughout the year. It is best for those who travel frequently.  

Family Travel Insurance

Your entire family is protected under one policy. This is an affordable option for family trips. 

Student Travel Insurance

Exclusively designed for UAE students studying abroad, a student travel insurance plan offers coverage against medical emergencies, disruptions in studies, personal liability, and more. 

Senior Citizen Travel Insurance

As the name suggests, this type of insurance is tailored for older travellers. These plans have a higher premium than other policies, as they offer extended medical and emergency benefits.

Schengen Travel Insurance

This is mandatory for Schengen visa applicants to protect them financially from several unfortunate situations while they are travelling within the Schengen zone. 

What Does Travel Insurance Cover? 

Whether you’re buying travel insurance online or offline, you get the following coverage features with a standard policy — 

Emergency Medical Expenses

If you get injured or meet with an accident during your trip, your policy can cover your hospital bills, doctor consultations, diagnostic tests, and prescription medicines. Further, these policies also extend their coverage to emergency evacuation or repatriation in case you need medical transfer to the UAE.

Trip Cancellation or Curtailment

In some cases, you may have to cancel or shorten your trip due to unavoidable reasons — illness, family emergencies, or airline issues. Your policy can compensate you for non-refundable expenses like hotel bookings and flights.

Lost, Delayed, or Damaged Baggage

This protects you against lost, stolen, damaged, or delayed baggage. Usually, insurers reimburse you for essential items such as clothes and toiletries in such circumstances. In cases of complete loss, insurers also cover the value of items inside the luggage as per policy limits.

Passport Loss

Losing your passport abroad can be stressful and expensive. With a valid insurance policy, the cost of issuing a temporary passport is included. This is usually the embassy fees and additional travel required to obtain new documents.

Flight Delay or Missed Departure

Flight delays caused by weather issues, technical failures, or airline strikes are covered under the travel policy. If you miss your departure due to reasons beyond your control, the policy helps cover additional hotel stays, rebooking costs, meals, and transportation.

Personal Liability

If you accidentally injure someone or damage property during your trip, travel insurance coverage provides personal liability coverage. This protects you from expensive legal costs, compensation payouts, or settlements. It is mainly useful in countries where liability laws are strict, and claims can be financially draining.

Adventure Sports Coverage

Some policies include or offer optional coverage for activities like skiing, scuba diving, hiking, and water sports. This covers medical emergencies arising from adventure activities that are otherwise excluded from standard travel plans. 

Coverage for adventure sports is usually available as an add-on. This is ideal for travellers seeking safe and worry-free adventure experiences abroad.

What is Not Covered When I Buy Travel Insurance in UAE? 

Some of the common exclusions of a travel insurance policy in the UAE are listed below —

• Alcohol and drug intoxication 
• Life-threatening adventurous sports
• Pre-existing medical conditions 
• War and terrorism
• Illness or injuries arising while travelling against the doctor’s advice 

What is the Right Time to Buy Travel Insurance?

Imagine you’ve just booked your vacation tickets. As soon as you receive your confirmation tickets, excitement kicks in! This is exactly when travel insurance should come into the picture. 

Buying a plan immediately after booking ensures you’re protected from the very beginning — trip cancellations, medical emergencies, flight delays, or lost baggage. The earlier you purchase it, the more coverage you enjoy, keeping your entire journey secure from start to finish.

The ideal time to buy insurance for your travel is immediately after booking your trip. Early purchase ensures maximum coverage, especially for trip cancellation, medical emergencies, or visa delays. For Schengen visas, the policy must be valid for the entire travel period. Buying early also prevents missing out on pre-departure protections.

How to Buy Travel Insurance Online via Policybazaarinsurance.ae? 

Are you planning your trip from the UAE? Well, it’s indeed exciting to make itineraries and pack your suitcases. But one important thing that you should not miss out on is your travel insurance. 

Honestly, with a platform like Policybazaarinsurance.ae, buying an insurance policy is easier than packing your stuff! Let’s find out how the website simplifies your search and gets you the best travel insurance —

1. Tell Us About Your Trip — Lead Form

Complete the form with all the required details.

2. Welcome to Insurance Plan Marketplace — The Quotes Page 

You will land on the quotes page.

3. Explore and Compare Plans Like a Pro Traveller 

Read the fine print of all plans, shortlist, and compare them.

4. Lock In Your Preferred Plan — Select a Plan 

Click on the ‘Buy Now’ option to proceed.

5. Wrap It Up — Complete Your Application 

Complete the travel insurance online application and attach the necessary documents.

6. You’re Insured — Get Your Policy Document

Receive your policy digitally via email or mobile.

How to Claim Travel Insurance?  

The step-by-step process to file a claim for your travel insurance in the UAE is as follows —

Step 1 Inform Your Insurer Immediately 

Call your travel insurance provider on their claim contact number or connect via app. Ensure to keep your policy number ready.

Step 2 Collect necessary documents

Keep your medical bills, police reports (for theft), boarding passes, invoices, or proof of loss ready.

Step 3 Submit a claim form

Submit the form through the insurer’s portal.

Step 4 Wait for verification

Once submitted, the insurer evaluates your claim form and documents.

Step 5 Receive reimbursement 

After a successful evaluation, you will receive a reimbursement.

Which Documents Do I Need to Buy Travel Insurance From the UAE?

You generally require the following set of documents for buying travel insurance online and offline–