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Travel Insurance for UAE Visa

Written by Kritika

Congratulations for getting your UAE visa. Here’s hoping that you have a safe and fruitful trip. But make sure that before your trip, your UAE travel insurance is in place. Whether it is a leisure trip or a trip for work, getting travel insurance is something that you cannot miss.

Read on to know all about travel insurance for UAE visa – how to get it, benefits, features, and other frequently asked questions.

Types of travel insurance

There are different types of travel insurance –

Based on the type of traveler

Individual travel insurance

This is a plan that covers an individual traveling to the UAE. The plan provides comprehensive security against various risks that may arise during domestic or international journeys. As a policyholder, you get travel accidents and inconveniences coverage, which include medical and personal liability cover. 

Family travel insurance

If you and your family are traveling to the UAE for holidays, it is recommended that you get family travel insurance UAE. All your family members, from 30 days old to 65 years old, can be included in the family travel plan. The plan provides similar coverage as an individual, but for each family member. This proves to be a more economical option.

Single trip travel insurance  

Corporate travel insurance

Traveling to the UAE for work? Don’t forget to get corporate travel insurance UAE. Companies and businesses secure their employees who travel frequently for work through Business Travel Insurance. These plans can be considered similar to individual insurance along with additional benefits like electronic gadget cover, business liability cover, etc.  

Student travel insurance

Students between the age of 16 and 35 years who are planning to abroad to the UAE for education can get student travel insurance UAE plans. The plan provides basic covers that includes travel inconveniences and accidents, and it also consists of sponsor and study interruption cover.

Senior citizen travel insurance

Senior citizen travel insurance UAE plans are specially designed for senior citizens traveling to the UAE. These plans have special provisions, but can be more expensive as compared to other cheap travel insurance options, because senior citizens are at a greater risk during travels.

Based on geographical limits

International travel insurance

If you are traveling internationally from the UAE, then international travel insurance UAE is a feasible option. It secures you against various vulnerabilities across the globe, or you can purchase area-specific plans. 

Domestic travel insurance

Domestic travel policy secures you against travel inconveniences when you are travelling within the country or across the GCC nations. You can personalize the plan by paying for various add-ons.

Schengen travel insurance

Schengen travel plans are a type of area-specific international travel plans. These are valid across 26 Schengen countries only, and provide coverage according to the regional requirements.

Dubai, Emirate.

Based on length and frequency of travel

Single trip travel insurance  

If you want coverage for only one of your trips, you can opt for single trip travel insurance. The plan secures you from the start of the trip till the time you reach your destination.  You can opt for a single trip plan for a period of 90 days. 

Annual multi-trip travel insurance

 A multi-trip travel insurance plan is specially designed for frequent flyers. All your trips will be covered under a single plan and you would not have to go through the documentation process repeatedly. You can secure each of your trips for a period of up to 90 days, with the renewal of the plan to be done on annual basis. 

Benefits of travel insurance UAE

UAE is known to be a global hub and people from all over the world visit this culturally rich nation. It is advised that you take travel insurance online before visiting the UAE. Here are some of the main benefits of getting a comprehensive travel insurance –

  • 24 X 7 travel assistance
  • COVID-19 related benefits
  • Personal liability cover
  • Hijack cover
  • Accident and illness cover
  • Assistance in case of loss, damage, or delay of baggage

Other than these, you can also get add-ons and personalize your travel insurance plan as per your requirements and budget.

Key features of travel insurance UAE

Lookout for these features whenever you are finalizing a travel insurance online for the UAE –

1. Affordable premium

Avail a travel insurance that has affordable premium and most benefits so that you get complete value for money.

2. Compensation in case of mishaps

Choose a comprehensive plan which ensures you get the right compensation in case of mishaps. Do not compromise on your safety and the features for getting a cheap travel insurance.

3. Cashless claim settlement

One of the most important features of travel insurance is to get cashless settlement. Make sure your travel insurance company provides cashless settlement, so that you don’t have to get hassled in a foreign land.

4. Complete coverage

Trip delay, baggage loss, baggage delay etc. should all be part of your travel insurance. Before finalizing a travel insurance online, make sure you go through all its features so that you get complete coverage.

UAE travel insurance

Tips for choosing the best travel insurance online for the UAE

Keep in mind these things when buying a travel insurance online for the UAE –

  • Consider choosing a plan with affordable premiums that also provides you with adequate benefits. 
  • Research the credibility and reliability of the travel insurance provider through customer reviews and feedback. 
  • Check for the insurers that provide a convenient purchase and claim-settlement process. 
  • Ensure that the travel insurance covers an extensive range of destinations across the globe. 
  • Go through the claim settlement ratio of the insurance provider to find out how easily and conveniently the claims are settled.
  • Take note of the duration of the trip offered in the travel plan.

Travel insurance UAE plans inclusions

Here are some of the main inclusions –

  1. Medical coverage

  • Emergency medical expenses
  • Medical evacuation cover
  • Medical and body repatriation
  • Hospital daily cash allowance
  • Accident cover

2. Loss of baggage cover

  • Baggage loss cover
  • Personal documents loss
  • Loss of checked-in baggage
  • Delay of checked-in baggage

3. Trip related cover

  • Trip cancellation cover
  • Personal liability cover
  • Trip curtailment cover
  • Financial assistance
  • Missed departure or connection flight
  • Hijack cover
  • Hotel booking cover

Travel insurance UAE plans exclusions

  • Bodily injuries and illnesses due to illegal or dangerous activities. 
  • Self-inflicted injuries and suicide 
  • Accidents under the influence of alcohol
  • Injuries and damages due to substance abuse
  • Injuries and damages due to war or war like situations
  • Bodily damages due to radioactive and nuclear substances

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Frequently Asked Questions (FAQs)

Is travel insurance mandatory for UAE visa?

Yes, it is mandatory to have travel insurance if you are entering the UAE. The UAE government has passed a visa regulation requiring all UAE tourists to have a mandatory valid medical insurance at the time of application for a visa to the UAE, an external health insurance is not accepted.

What is travel insurance UAE?

The travel insurance UAE plan covers your trip in a comprehensive manner by offering security against several issues that you may encounter in your journey. Your travel plan secures you against personal accidents, legal and personal liabilities, health and medical expenses, flight inconveniences abroad, etc.

How many family members can be covered under family travel insurance?

Generally, family travel insurance covers up to 4 members of a family consisting of 2 children and 2 adults.

What is the maximum trip duration of insurance coverage?

Most UAE travel insurance plans offer coverage up to 90 days. If you have multi-trip insurance, you can modify or extend your travel insurance coverage.

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Originally published May 29, 2023 00:07:20 AM, updated May 13, 2024

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