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Travel insurance that meets your needs

Millions of travelers rely on Travel Guard® travel insurance from AIG UAE, to help them recover from unexpected circumstances that can interrupt their travel plans. Travel Guard® is a comprehensive insurance plan that caters to travelers worldwide.

Platinum Plan

Silver plan.

Our most comprehensive travel insurance plan going above and beyond Schengen visa requirements.

• Up to $500,000 Emergency Medical Expenses
• COVID-19 Medical Expenses up to $250,000
• Baggage Loss or Damage up to $2,500
• Trip Cancellation up to $5,000
• Up to $1,000 in Travel Delay Cover
• Emergency Family Travel up to $2,500
• Secure Wallet up to $1,000 in Credit Card Fraud
• 24h Worldwide Assistance Services

Our most popular travel insurance plan covering Schengen visa requirements.

• Up to $100,000 Emergency Medical Expenses
• COVID-19 Medical Expenses up to $100,000
• Baggage Loss or Damage up to $1,000
• Trip Cancellation up to $2,500
• Up to $500 in Travel Delay Cover
• Secure Wallet up to $500 in Credit Card Fraud

Our basic travel insurance plan covering Schengen Visa requirements.

• Up to $50,000 Emergency Medical Expenses
• COVID-19 Medical Expenses up to $50,000

Why AIG Travel Guard ® ?

Schengen Visa Compliant

All our three travel Insurance plans (Silver, Gold & Platinum) are Schengen Visa Compliant.

Exceptional Price Tag

Whether you are heading near or far, our annual & single trip covers comes at an affordable price letting you get on with your holiday.

Cover Plans To Suit You

AIG offer 3 types of Travel insurance cover plans with optional additions to ensure that we have a policy to match your needs.

Covid-19 Covered

• COVID-19 Medical Expenses up to $250,000 under Platinum plan
• COVID-19 Medical Expenses up to$100,000 under Gold plan
• COVID-19 Medical Expenses up to$50,000 under Silver plan.
• USD 150 per day, per person for up to 14 consecutive days if you test positive for COVID-19 and are unexpectedly placed into mandatory quarantine while overseas.

Enjoy a worry-free holiday with a comprehensive travel insurance from AIG UAE

Pick up a travel policy and explore more with our fantastic cover that provides a range of benefits.

Get Your Travel Insurance in Dubai, Abu Dhabi & The Rest of Emirates Online From AIG UAE

24/7 worldwide support.

Whenever you need us, our 24/7 emergency assistance helpline are here to help as standard.

Get your Travel Insurance online in 4 easy steps

Provide trip information

Enter details about the trip.

Select the preferred plan

Choose the Silver, Gold or Platinum plan.

Fill out personal details

Provide personal information about the traveller.

Review & Pay

Pay online, and the system will successfully issue the policy.

What is AIG Travel Insurance?

AIG Travel Insurance is insurance that is designed to protect your health, belongings and the cost of your trip should anything go wrong while you are abroad or in some cases before you leave.

Travel Guard FAQs

What is travel guard.

Travel Guard is a travel insurance product, underwritten by American Home Assurance Co (Dubai Branch) a subsidiary of American International Group, Inc (AIG). Travel Guard provides coverage in case of unforeseen circumstances that may force you to cancel or shorten your trip or seek emergency medical treatment while traveling. Your travel insurance also offers coverage for the loss or delay of your baggage, in addition to many other benefits described in the policy, which you can review before making your purchase. All coverage is subject to the policy terms and conditions.

How do I buy a Travel Guard policy?

You can buy a Travel Guard policy via  www.aig.ae .

Who is eligible to be covered under a Travel Guard policy?

Individuals in the age bracket from 3 months to 74 years and 364 days who are residents or citizens the United Arab Emirates.

Is there a special rate for children?

Yes. There is a 50% reduction on standard rates for a person aged between 3 months and 17 years and 364 days.

Does the Travel Guard policy cover a family traveling together? How is family defined?

Yes. There is a family rate under the Travel Guard policy. Family is defined as insured person, his/her spouse, and unlimited number of their children.

What is the Annual Multi Trip option?

The Annual Multi Trip option covers you for one-year period for unlimited number of trips, but each trip should not exceed 90 days.

Who do I contact for an emergency assistance or if I need to be admitted to a hospital while overseas?

For 24-hour emergency assistance or if you need to be admitted to a hospital, please contact  +1 (817) 826 7276  and quote your policy number.

Can I amend my policy?

Yes, the Travel Guard policy can be amended in special cases, but amendment can only be made prior to the departure of the first part of the journey.

Do I have to carry a copy of my certificate of insurance with me while traveling?

No, you don't need to carry a copy of your certificate of insurance with you. All you need is your policy number which can be found on your certificate of insurance.

What do I do if I lose my certificate of insurance?

Please  Click here  to download your certificate of insurance.

When does my coverage begin?

For Trip Cancellation:

• For a single trip policy, cover starts at the time that you book the trip or pay the premium, whichever is later;
• For an  annual multi trip policy  cover starts at the time you book a trip, or the effective date shown on the certificate of insurance, whichever is later.

For other benefits, coverage begins when you leave your country of residence. The initial departure point has to be from the United Arab Emirates.

How will my out-patient medical expenses be paid ?

The medical expenses incurred will be reimbursed to you subject to policy T&Cs. Please retain all original medical bills/invoices, medical reports, and laboratory tests (if applicable) and submit them as part of your claim.

Does the Travel Guard policy cover sports and other similar activities?

Travel Guard policy offers an optional coverage for hazardous & winter sports with 100% loading on standard rates.

Can I cancel my trip for any reason and get all my money back under the “Trip Cancellation” Benefit?

The Trip Cancellation Benefit provides coverage for specific reasons as described in your policy terms and conditions and reason for cancellation should be amongst those reasons for the claim to be covered.

Can I buy a Travel Guard policy, if I have a pre-existing medical condition?

Yes. However, Travel Guard policy has an exclusion for pre-existing medical conditions as detailed in the policy wording.

Does “Baggage & Personal Effects” benefit cover theft?

Yes, Travel Guard policy covers theft (and damage due to an attempted theft) as long as incidence occurs while travelling outside of your country of residence and within the period of insurance as stated in your certificate of insurance. Please refer to the Terms & Conditions of the Travel Guard policy to know more on this benefit.

How do I report a claim?

You can submit your claim online by clicking  here

Alternatively, you can contact our local office with the below contact details:

How long is the claim processing time?

Claims will be processed within 7 working days after you have submitted all the required documentation.

Can I cancel my Travel Guard policy?

Yes, provided it is before the policy effective date as stated in your certificate of insurance and there is no claim registered under your policy.

Quick & Easy Online Quote

Get your great value Travel Insurance today

Travel Insurance Documents

Table of benefits, policy wordings, verify insurance policy & check coverage, travel insurance claim.

Submit online your claim in few easy steps

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Cover for when the unexpected happens

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Financial care for every day of hospitalization

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A helping hand for you and your loved ones

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Pack peace of mind when you travel. Feel safe when you’re abroad with our trusted medical emergency cover.

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Explore our mussaferplus options.

International travel is exciting and we want you to enjoy every second. That’s why we created MussaferPlus to give you that extra secure feeling whether you’re away for business or pleasure.

MussaferPlus Individual

YOUR SITUATION

You’re travelling alone for fun or for business outside of UAE.

From medical through to baggage protection, we’ve got all of your solo traveller concerns covered.

MussaferPlus Schengen

You’re heading to one of the 26 Schengen zone countries, maybe Finland, Greece or Norway.

Comprehensive travel insurance, which is compulsory if you’re heading to one of the Schengen countries from the UAE.

MussaferPlus Family

You’re travelling with your spouse and children on holiday or to see the rest of the family.

Comprehensive cover for your entire family that includes yourself, your spouse, as well as covering all children under the age of 16.

MussaferPlus Hajj & Umrah

You’re planning a religious trip to the Kingdom of Saudi Arabia for Hajj or Umrah.

Fully comprehensive cover to ensure your trip is as smooth and peaceful as possible.

Medical Insurance Plans

SHIFA Individual Medical Insurance Plans

Summary of Benefits

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Our promise to you.

Our multilingual emergency helpline is open 24/7 to assist you when you need us.

Designed for both business and holidays so you can rest assured that you’re covered.

We offer peace of mind for pilgrims heading to KSA with a plan crafted especially for you.

Heading near or really far? That's fine. Our cover is truly worldwide for your travel needs.

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War and terrorism are standard exclusions under the terms and conditions of the policy.

How many days can I go on a holiday for, under the travel insurance policy?

You can find this information in your insurance certificate, which will specify how long your coverage lasts when travelling.

What are the age limits of the policy?

The minimum age is 30 days and the maximum age is 80 years.

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Get in touch.

Travel Insurance

Top 5 reasons to buy travel insurance

• Lost, damaged or stolen luggage. Whatever the case, it can often be expensive to replace the contents in your case.
• Missed trip due to illness of injury. If someone on the trip happens to get sick and you have to cancel or leave early, you could lose the full cost of the trip. Without insurance, in many cases it will be hard to get reimbursement.
• Work gets in the way. Work can get in the way more often then we'd like to admit. Having the right travel insurance is a way to protect your trip if you have to reschedule for a work-related reason.
• Hospital cover.  Health insurance usually will not apply in a foreign country when you are traveling. And this cost can add up depending on where you have travelled to! The right travel insurance can help cover you if disaster strikes.
• Emergency airlifts. For more adventurous trips you may need to think about travel insurance for emergency cover. For example, if you need to be flown to airlifted from danger, helicopter transport can be a substantial cost that the right travel insurance may cover.

How we save you money on your insurance?

Compare quotes.

Fill in our short form and get live home insurance quotes from leading insurance providers in Dubai and the UAE.

If you find a home insurance policy that’s right for you, use our secure checkout to immediately buy online.

Policy Issued

Once you buy your home insurance and we have all your documents, you’ll receive your policy within 24 hours.

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yallacompare, United Arab Emirates ‍ Information found on yallacompare is provided for illustrative purposes only, rates are subject to change based on your personal circumstances. You should always speak to a trained professional before taking out any form of finance. ‍ Implications of non-payment: If you fail to keep up with repayments on your finance, your bank may file a report with the UAE credit rating agency which may impact your ability to borrow from UAE banks in the future. ‍ YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE, LOAN OR ANY OTHER DEBT SECURED ON IT. ‍ Insurance is provided by Yallacompare Insurance Broker LLC (formerly Gulf Resources Insurance Management Services Limited), an Insurance Broker regulated by the UAE Central Bank (registration #20).

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The stronger your safety net, the higher you’ll fly. Union Insurance travel insurance offers that safety net through comprehensive coverage, carefully designed for you and your family. Whether you’re on a two-day getaway, a month-long holiday, a single trip, a business trip, or an annual trip, you will receive all the protection you require, no matter where in the world you are.

The insurance covers both inbound and outbound travel from and to UAE to anywhere in the world including the US and Canada

Coverage for Travel Insurance

Union insurance makes travel worry-free with policies that cover both mundane inconveniences and unpredictable emergencies available in three different categories: Platinum, Gold, and Silver

For the complete list of benefits, please see the table of benefits.

Insurance for the loss of passports and travel documents (Outbound Plan)

Being stranded in a foreign country with no documents or money is every traveler’s worst nightmare. But our coverage extends to USD 300 under Basic plan, USD 500 under Advance and USD 750 under premium for the replacement of passports and travel documents.

Insurance for cancellation or curtailment (Up to 70 years) (Outbound Plan)

We understand that traveling is often unpredictable. Rest assured that if you need to cancel or shorten your journey, you'll receive a cover of up to USD 3,000 under Basic, USD 7,500 under Advance and USD 10,000 with Excess of USD 75.

For trip curtailment, you'll receive a cover of up to USD 300 under Basic, USD 500 under Advance and USD 1000 under premium with Excess of USD 75.

Insurance for personal accidents (Outbound Plan)

In the event the insured (between 18 and 70 years old) covered under Advanced & Premium plans shall sustain or suffer a bodily Injury resulting solely, directly and independently of all other causes from external, violent, visible and Accidental means and directly cause or necessarily result in Accidental Death only (Common Carrier). In addition, this benefit is provided for minors (up to 17 years old) and overaged (71 years old and above) up to a maximum limit of USD 10000.

Insurance for baggage loss and delay (Outbound Plan)

In case your checked baggage is lost you will receive a cover of up to USD 800 per person / claim under Basic plan, USD 1,000 per person / claim under Advance plan and USD 1,200 per person/ claim under Premium plan with Excess of USD 75.

In case your checked baggage is Delay, you will receive a cover of up to USD 500 under Basic plan. USD 750 under Advance plan and USD 1,000 under Premium plan.

Insurance for emergency medical assistance (outbound Plan)

In the event of Injury or Sudden Illness of the Insured occurring outside the Country of Residence the Assistance Company will meet the usual, customary, necessary, and reasonable costs of hospitalization for a maximum limit as set in the schedule of benefits per person per trip or per year (in case of annual policy) and in the aggregate with a Deductible/excess of as stated in the Schedule of Benefits. It's also noted that emergency medications, prescribed by the treating doctor, will be covered when hospitalization is not required. In addition, it is to be noted that all rehabilitation treatments, such as, but not limited to physiotherapy, are covered under this contract. Coverage of Prostheses, orthopedic material, or thesis and osteosynthesis material, as well as spectacles, will be limited to USD 5,000. The Assistance Company's medical team will maintain the telephone contacts necessary with the center and with the Doctors attending to the Insured to supervise the provision of proper health care.

Benefit Highlights

Our team is dedicated to providing tailor-made insurance and risk management services that cater to both individuals and corporates. Our priority is to deliver creative and cost-effective risk management and transfer solutions, as well as innovative products to meet the needs of individuals, corporate clients, and other stakeholders.

We have dedicated client service and claims management teams to be at your service 24/7, and ensure a smooth and transparent claims process whenever you require it.

Claim Processes

Our dedicated insurance claims department is an integral part of our company, and available to you whenever you require assistance. We also offer claims concierge services for a smooth and quick claims process, which involves four easy steps:

Customer Care

Submit documents, claim processing, claim approval.

For emergency medical assistance, please contact Mapfre Assistance on the following numbers:

o International: 00 962 6 56666833

o USA: 00 15672692968

o Ireland: 00 (353) 91 56 06 21

o Germany: 00 (49) 1805115610

For all other claims, contact the UIC Call Center at 80084248

Please note that you’ll be required to state your policy number and the nature of your claim. You will also need to provide written proofs of relevant documents, including police reports and airline invoices, at the time of claim submission.

All UAE residents under the age of 75.

There are no restrictions in terms of days for Single Trip plans. For Annual Multi-Trip Plans, we provide a coverage of 60 days for each trip.

We are happy to provide discounts for children under the age of 16, and groups with more than 10 members.

Affordable health insurance packages for all your needs.

UIC's private health insurance offers you both choice and flexibility to help you find a healthcare plan that suits your requirements perfectly, as well as those of your family. From diagnosis to medical treatment, our coverage is carefully designed to secure your health and with it, your peace of mind.

Affordable life insurance packages for all your needs.

Nothing is more important than being able to provide for your loved ones despite any eventuality. Regardless of your situation in life, you're guaranteed to find a life insurance plan that is perfectly tailored to your needs among the extensive range on offer below.

Affordable home insurance packages for all your needs.

Whether it's the theft of your personal belongings or structural damage caused by a natural disaster, our comprehensive coverage addresses every single contingency that poses a potential threat to your home, and takes steps to protect you from it.

Group Health

Affordable health insurance packages for all your corporate needs..

UIC's group health insurance plans are designed for companies of all sizes, providing employers with straightforward solutions that are guaranteed to protect the interests of their employees as well as their organisation.

Affordable property insurance packages for all your needs.

UIC's property insurance addresses a wide range of risks, ranging from accidental mishaps to natural calamities. Regardless of the size of your business, we have addressed every measure you need to consider to protect it, as you can see from the array of plans available below.

Affordable marine insurance packages for all your needs.

Whether you want to secure your vessel from external risks or protect the valuable cargo on board, UIC's marine insurance plans offer coverage for every risk you've thought of - as well as some you haven't - to ensure your security at sea.

Engineering

Affordable engineering insurance packages for all your needs..

UIC's fully tailored engineering insurance plans are designed to meet specific risks faced by the engineering industry. We offer security to you and your employees by addressing the particular requirements of your company and protecting you from legal costs, compensation, and expenses.

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Compare travel insurance

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How to compare travel insurance quotes, tell us about yourself.

Tell us about yourself, your travel plans and what you need cover for.

We'll show you the cheapest travel insurance quotes and offer the best cover.

Purchase your policy and be immediately covered for your trip.

Why take out travel insurance?

When travelling on business or for leisure, travel insurance can protect you for all the things that could go wrong. If you lose your baggage, become ill or experience cancelled flights or delays travel insurance will ensure you get professional assistance.

What does travel insurance cover?

Baggage : Cover if your luggage or possessions are lost, stolen or damaged.

Cancellation : Support if you trip is cancelled.

Delay : Assistance if you trip is delayed.

Emergency Assistance : Coverage if you need to be brought back because of your injury.

Medical Expenses : Doctor or hospital costs will be covered.

Personal Liability : Protect if you damage anything or anyone.

What does a standard travel insurance include?

Cancellation & Delays

Emergency Assistance

Lost Baggage

Medical Expenses

Personal Liability

What does a standard travel insurance does not include?

Extreme Sports

Natural Disasters

Pre-existing Medical Conditions

Specific Trip Policies

Single trip.

Single trip travel insurance covers you for one trip to specified destinations and a defined period of time.

Annual Multi Trip

If you travel frequently, annual multi trip insurance policies cover you for unlimited trips for a whole year.

Worldwide travel insurance allows you to travel protected anywhere across the world.

Winter Sports

For skiing holidays get protected with our winter sports travel insurance.

Backpackers

If your travelling for a long period of time across multiple countries, get protected with our backpackers travel insurance.

Cover your children under one policy with our family travel insurance policies.

Pre-existing medical conditions

If you have a pre-existing medical condition ensure you can claim just in case your conditions causes you issues when travelling.

Get extra cover for over 65s travel insurance to ensure you're adequately protected when travelling.

Insure your cruise with our cruise travel insurance policies just in case of missed ports, cabin confinement or cruise activities.

How much does travel insurance cost?

Travel insurance is priced on a few different factors, so premiums will vary considerably on your circumstances

Single trip travel insurance

Compare single trip travel insurance quotes online

Annual multi trip travel insurance

Compare annual multi trip travel insurance quotes online

Ski travel insurance

Compare ski travel insurance quotes online

More travel insurance

• Travel insurance guides
• Travel insurance articles
• Travel insurance providers

Our top travel insurance guides / articles

View all travel insurance guides.

Different Travel Policy Types

Travel insurance is designed to protect you and your belongings against life’s unexpected events

Our guide on medical expenses cover

When you are traveling, an unexpected medical emergency is the last thing on your mind

Our guide on holiday cancellation insurance

Holiday cancellation insurance is a form of travel insurance that covers you if something unexpected happens

Our guide to personal liability cover

Personal liability cover is a type of insurance that covers third-party claims

Why is repatriation cover so important?

Repatriation cover is a benefit offered included in some travel insurance packages

Travel insurance over 60s

If you are over the age of 60 and have retired or have family living abroad

Annual multi-trip travel insurance

Annual travel insurance, otherwise known as multi-trip insurance, is a policy that provides cover for individuals who travel more regularly

Why baggage cover is important

Most standard travel insurance policies cover your baggage if it gets lost, stolen, or damaged while you are travelling

A single trip policy covers you for just a single holiday, from the time you leave home until the time you return

Worldwide Travel Insurance

If you are planning an international trip, one thing you should not forget to consider is worldwide travel insurance

Winter sports travel insurance for skiing holidays

Going on an adrenaline-packed skiing holiday is something exciting to look forward to.

Backpacker Travel Insurance

This type of insurance is essential for backpackers to ensure that their plans, possessions, and health is protected

Family travel insurance

This is a policy which typically covers one to two adults, plus at least one child

Why you should always declare your pre-existing medical conditions

There are an array of options out there for you

Cruise Travel Insurance

Why you should take out travel insurance for your upcoming cruise

Are your gadgets covered on your travel insurance policy?

Gadgets such as cameras, mobile phones are laptops are often considered essentials for travelling

Travel insurance and pregnancy

It is generally advised that expecting mothers should not travel after 6 months of pregnancy

Holiday tips

It is important to make sure you have all the essentials sorted out beforehand

Travel insurance for cancer patients

Cancer patients can apply for travel insurance with standard insurance companies

There are generally more risks associated with skiing trips

Emergency Dental Cover

Dental costs can be expensive but if you have travel insurance you are sure to be covered

Medical costs abroad

Medical costs abroad can be crippling and unfortunately accidents do happen

What does flight cancellation actually cover?

Depending on the policy, you could possibly claim in the case of sickness, injury, or death

What happens when you lose your passport whilst travelling?

What do you do if you do not find your passport?

Medical assistance cover whilst travelling

With travel insurance, most standard policies would include medical assistance while you are travelling

Extreme sports activities

If you are planning to go on an adventure holiday, participating in activities that insurers might deem as dangerous

Delayed Baggage

Travel insurance will help you travel with a sense of security – knowing you will be covered if some emergency arises

Trip Cancellation Insurance

Unforeseen emergencies can happen at any time like falling ill so you or your travel partner can’t travel or emergency hospitalisation

Legal fees when travelling

Most standard travel insurance policies offer to pay for your legal bills in case you cause injury to someone else

Terrorism cover when travelling

If your holiday destination is affected by an act of terrorism before you leave for your holiday – it’s possible you are able to cancel your trip

Extra cover for sports activities when travelling

Are you planning an activity-filled holiday for you or your family?

What if you were to get mugged when travelling?

Even the most vigilant and careful travellers can get pickpocketed or mugged.

How to make a travel insurance claim?

Here’s what you need to know to make claiming from your travel insurance policy a little bit easier

Emergency assistance

Travel insurance is made for the unexpected and to save you from huge medical bills while travelling

Flight delay

Most travel insurance policies provide cover as part of your standard policy for flight delays

What would happen if you lost your credit card when travelling?

Credit card fraud is not uncommon at all

Credit Card Fraud

If your credit cards get lost or stolen it could be devastating to your travel plans

Personal accident while on holiday? It’s better to have cover!

If an accident does happen on your trip you will have peace of mind

Visa rejection and travel insurance

What happens if your visa gets denied?

Golf cover and travel insurance

Many golfers travel all over the world to play the different courses in different countries

Car rental excess cover while travelling

A road trip might be your ideal holiday in an unknown destination but are you sure you have the right cover in case of an accident?

Flight overbooking

Always be sure that you check in on time so you would still qualify for compensation in the case of overbooking of a flight

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That’s why at Compare Insurance, we set out to help Dubains like yourself avoid that sinking feeling when it came to buying insurance.

Real, accurate quotes

The premiums for car or health insurance can vary by hundreds or even thousands of dirhams, so it is always wise to shop around for options. The key is to find the lowest rate from dozens of insurance companies in UAE, which is often a time consuming affair.

This is where Compare Insurance would assist in comparing rates from a broad section of insurance companies providing you with impeccable service in the process and also help you save money.

What our members are saying

I was looking for my car insurance online and I stumbled upon you guys, and it has been an unbelievably smooth service all the way from the start till the end. I would definitely recommend you to friends, family and beyond.

According to these lower quotes, I could save AED 2100 by changing insurance companies with the new car I am considering.

Ana, your services were truly delightful. Usually selecting an insurance plan is tedious considering multitude of products in the market, but you made it simple.

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Our team of professional agents are here to assist you. get in touch today.

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If you want to avoid getting burned on holiday.

While you enjoy your vacation, let GIG Insurance take care of your travel inconveniences.

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Whether you’re traveling to Australia or Travelling Schengen, don’t let unplanned events turn your travel plans upside down. Count on help from GIG to ensure your peace of mind — no matter where in the world you travel.

GIG Travel Insurance covers the cost of medical emergencies, trip cancellation fees to many other benefits, leaving you free to relax and enjoy your vacation.

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Claims Assistance

24/7 Immediate emergency medical assistance available in the (Bahrain, Oman, Qatar, UAE). Call +971 4 4294003

Extensive Protection

Coverage for you and your family, your belongings, your liability, your travel arrangements and more.

Fast and Fair Claims

GIG lives up to its reputation for superior customer service, making it easy to lodge a claim and receive prompt reimbursement.

Instant Cover

With our online portal registration, your GIG travel coverage is activated instantly.

Direct Billing Facility

GIG has a vast medical network covering all major hospitals across the (Bahrain, Oman, Qatar, UAE) countries.

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Main Travel Inbound Insurance covers

Here is a quick summary of what makes GIG Travel Insurance different from the rest:

MEDICAL EMERGENCY

Emergency Medical Expenses:

• Cost of medical treatment and associated expenses arising from accidental bodily injury or sickness incurred outside the country of residence.
• Emergency Dental Care: $1,000

Emergency Assistance & Evacuation:

• Medical transportation.
• Repatriation of other beneficiaries.
• Premature return due to death of close relative
• Repatriation of mortal remains.
• Visit of close relative.
• Cost of first aid and rescue (if Adventure Sports Option taken).

Personal Accident:

• A lump sum for accidental death, permanent total disablement, loss of limb or loss of sight. 

Personal Liability:

• Indemnifies you against legal liability towards third parties or damage to their property due to your negligence.
• Advance of bail bond of $10,000 (refundable)
• Legal assistance in case of redress $4,000

TRAVEL INCONVENIENCES

Personal Baggage & Personal Money:

• Accidental loss of, theft of or damage to baggage and personal money occurring during the period of Insurance.
• The amount payable for baggage will be the current market value, which takes into account a deduction for wear, tear and depreciation.

Cancellation or Curtailment:

• Reimburses you for irrecoverable travel and accommodation expenses incurred or forfeited, if it is necessary and unavoidable for you to cancel or curtail your trip.

Loss of Passport:

• Cost of replacing passport while abroad.

Baggage Delay:

• If baggage is delayed for at least 12 hours from the time of your arrival at your destination, we will pay for emergency purchase of essential items limited to clothing and toiletries.

Delayed Departure:

• We will pay $100 for each 6 hour delay due to strike or adverse weather conditions up to $500.

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Frequently asked questions, 1. who can be insured.

Any resident or citizen of the Gulf Cooperation Council who is 70 years of age or younger.

2. Can any trip be covered?

Travel Smart Insurance covers conventional nonworking holidays, or business trips that do not involve manual labor. This coverage is not available to people leaving their country of residence permanently.

3. How to apply for cover?

Complete the attached application or provide travel details to GIG branch or to your travel agent. Cover will commence only when this application has been accepted and premium received.

4. How do I declare a claim?

• Medical Expenses: A medical claim is payable only if GIG Gulf contacted and has approved the cost. A full medical certificate from the attending doctor must be submitted along with original bills and receipts.
• Theft: You must provide written proof from the police that the incident has been reported.
• Baggage Delay: Written proof of the delayed delivery must be obtained from the airline.

5. Can I cancel my policy?

You may cancel the Policy within seven days of the issuance date provided the Period of Insurance did not start, including confirmation of no claims or losses made or known or reported or any incident which may give rise to any claim under the Policy, in which case, you will be entitled to a refund of premium subject to the below Administration fee. Annual Travel plan and Travel Schengen product cannot be cancelled - No refund will be made.

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Be it a business trip, a family vacation or a leisurely holiday, our Travel Insurance product protects you against any unfortunate situations that may arise during your travels abroad.

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Travelling abroad to a foreign land entails a degree of risk in terms of any unforeseen events, but Travel Insurance policies, can assure you to enjoy your trip with peace of mind by providing cover to protect your investment you make in travel plans. This is like any other insurance plan as it protects you from additional expenses due to hospitalization, trip cancellation, Luggage Loss or other incidental expenses.

Dubai National Insurance (DNI), has teamed up with professional providers to assist you in getting the right cover for your global travel protection.

An Online Travel Insurance policy provides you with compensation in certain cases, including trip cancellation that also covers flight delay or cancellation and medical expenses.

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• Provide your employees and dependents with a worldwide coverage.
• Customize your policy as per your requirement.
• Cover each and every member up to a sum insured of AED 750,000
• Enhanced network coverage.

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Travel insurance can protect your investment you make in travel plans. This is like any other insurance plan as it protects you from additional expenses due to trip cancellation & Luggage Loss.

Provide travel details to DNI like Date of Travel, Destination, Period of Travel & Date of Birth, cover will commence only when this application has been accepted and premium received

Any resident or citizen of the United Arab Emirates, who is 70 years of age or younger.

It is possible to get travel insurance until the day before you plan to travel.

Travel Insurance covers conventional non-working holidays, or business trips that do not involve manual labor. This coverage is not available to people leaving their country of residence permanently.

It is not necessary that your medical or life policy will provide you with adequate travel protection. You should check these policies before you travel to assess just how you would be covered in case you have an emergency.

Health insurance plans do not cover your expenses directly when you are in a foreign country and they may also have deductibles and won't cover the cost of emergency medical transportation unless you have optionally selected the extra cover.

Europe Assistance Medical Emergency : +44 1444 442020 Travel Assistance : +44 1444 442030 Europe Assist Code : 09ISI

Medical expenses:  In the event of sudden illness or injury of the insured person outside the usual country of residence, insured has to call the Europe Assistance prior to his admission. Assistance will guarantee the direct payment subject to any deductible.

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• Top 10 Travel Insurance Companies in Dubai & UAE

A travel plan would be incomplete without including that extra bit of security to protect yourself and your co-travellers from unexpected expenses arising due to medical emergencies, personal accidents, personal liabilities, hospitalisation, cancelled or delayed flights, and more. One can easily get this with travel insurance in UAE , especially considering the availability of various options there.

Several parameters are to be considered when opting for a travel insurance company, with some of the factors including customer reviews, offered coverages, exclusions, benefits, and so on. Nevertheless, it can get confusing to select the best travel insurance plan for your trip . 

To help you get the most suitable travel insurance for your trip, we have compiled a list of the top travel insurance companies in UAE in 2023. You can select a travel insurance plan from any of them to protect yourself, your belongings, your co-travellers, and your finances during your trip.

Top 10 Travel Insurance companies in UAE:

Here are the top travel insurance companies and their plans in the UAE 2023 and their key plans along with the respective general features, benefits, and more – 

1. Allianz Travel Insurance

Allianz Insurance, a subsidiary of Allianz care, is a leading provider of travel insurance services worldwide. It is one of the renowned providers of comprehensive travel insurance plans. The company is headquartered in Paris and has offices in the UAE, Egypt, Europe, USA, South Africa, India, Japan, Thailand, and Australia. 

Here are the salient features of Allianz Travel insurance:

Types of Travel Insurance Plans: The following are the various types of travel insurance plans offered by Allianz – 

• Schengen Travel Insurance
• Global Travel Insurance
• Inbound Travel Insurance UAE
• Annual Multi-Trip

Global Acceptance: Barring the exclusions of a few countries, Allianz Travel Insurance Plans are accepted all around the world

Round-the-clock Service: Allianz provides 24/7 worldwide support to all its users

Optional Covers: Allianz Travel insurance ensures that users can avail of additional benefits at nominal costs (above the premium). Currently, it has several additional covers, including sports covers and terrorism covers.

Refund of Premium: If your plans or requirements change or you find the policy unsuitable, you can contact the company within 48 hours of receiving the policy documents. The concerned team will look into the matter, and initiate a refund if everything goes well.

Here are the top plans along with their notable features of Allianz Travel Insurance – 

For Single Trip

For Annual Trip

2. AIG Travel Insurance

AIG offers travel insurance plans under the name of 'Travel Guard'. With over 100 years of experience in the insurance industry, AIG has a worldwide reputation for its insurance services and products. The same applies to the AIG Travel Insurance plans in the UAE, which are recognised for their wide range of features and benefits and can help individuals financially cover their trips for a stress-free experience.

Given below are the top features of AIG Travel Insurance – 

Types of Travel Insurance Plans:

AIG provides three types of comprehensive travel insurance plans with optional additions so that users can avail of additional benefits at nominal costs. Currently, the three travel insurance or travel guard plans offered by AIG are – 

• Platinum Plan: The plan provides the maximum benefits including medical bills, legal expenses, and so on
• Gold Plan: You can avail of medical expenses and travel inconvenience coverage with this plan
• Silver Plan: AIG travel guard silver plans cover solely emergency medical expenses

Special Rate for Children:

AIG provides a discount on standard policy rates for children aged between 3 months and 17 years and 364 days

Easy Claim Process:

An insured individual can easily file a claim online through its official website. Once you submit the required documents, claims can be processed within 7 working days.

Essential Coverage:

If you lose some essential documents or luggage, AIG travel insurance can provide coverage for all your financial losses and help you arrange replacements to continue your trip or return without hassle.

Affordable Premium:

AIG provides annual and single-trip insurance policies with extensive coverage at a reasonable premium. Nevertheless, you can get even more coverage by adding various add-ons at nominal additional premiums.

Here are the standard travel insurance plans by AIG:

3. GIG Travel Insurance(AXA)

GIG Insurance, formerly AXA Insurance, is one of the renowned travel insurance providers in the UAE and all around the world. With AXA travel insurance, you can enjoy a host of features ranging from an easy claim process to instant coverage and more.

Mentioned below are the major features of GIG travel insurance plans – 

GIG offers various insurance plans to meet your travel-related needs. The following are the travel insurance plans offered by GIG:

• Inbound Travel
• Inbound Travel Plus
• Travel Schengen
• Travel Smart
• Travel Family

Wide Hospital Networks:

GIG provides a vast network of hospitals supporting all your financial requirements. Travellers can receive cashless facilities, thereby avoiding the hassles of the claim process. 

Simple Claim Process:

Making GIG insurance claims is fairly straightforward and quick, as travellers can quickly make a claim and have it processed to receive the required aid in no time.

COVID-19 Coverage:

GIG travel insurance provides COVID-19 coverage including all the emergency costs associated with COVID-19. Furthermore, any reasonable additional costs resulting from your positive COVID-19 diagnosis can be covered, including the costs associated with changing flights.

Urgent Medical Expenses:

GIG travel insurance takes care of all your medical expenses in case of illness. This is made possible with the GIG customer care team that provides 24/7 service worldwide to help users receive the best possible treatment on their trip.

The following are the top travel insurance plans by GIG (previously AXA) – 

4.Sukoon Travel Insurance(Oman)

Sukoon Insurance, formerly Oman Insurance, offers a wide range of excellent travel insurance plans. Having over 45 years of presence, Sukoon Insurance has become one of the UAE's biggest public joint-shareholder companies. Sukoon travel insurance offers custom-built plans with plenty of choices and a host of different features and benefits. 

Find below the prominent features of Sukoon Travel Insurance Plans – 

Types of Travel Insurance Plans: With Sukoon Travel Insurance, you can get two types of travel insurance plans – 

• Travel Easy: This can further be divided into different kinds of plans like Elite Plan, Ultimate Plan, Family Plan, Annual Family Plan, and Annual Individual Plan. All these travel insurance plans come with a packed list of covers to protect your finances and belongings while travelling.
• Visitor Health: Explicitly designed for visitors in the UAE, this travel plan offers coverage for accidental death, emergency medical expenses, repatriation of mortal remains, and more. You can purchase the plan for up to 90 days.

Schengen Visa Compliance:

All the travel insurance plans offered by Oman Travel Insurance are Schengen compliant

Extended Course Coverage:

Oman Travel Insurance plans provide coverage for single and multiple trips, with the policy tenure extending up to one year in some cases

Straightforward Claim Procedure: 

The claim application and notification processes are easy to understand and perform, with its experienced team also available to assist and guide customers at any time

Wide Medical Network:

Insured individuals can access high-quality healthcare providers that suit medical requirements at a wide range of locations

Let’s have a look at some of the inclusions and features of the top insurance plans by Oman Travel Insurance – 

5. Orient Travel Insurance

Orient Insurance, present in the UAE since 1982, offers a wide range of general insurance products and services across the emirates. Orient Travel Insurance plans are among the popular plans for travel lovers, with the company offering inbound and outbound travel insurance plans with excellent coverage that includes baggage delays, loss of personal belongings, repatriation of mortal remains, and more.

Given below are the salient features of Orient travel insurance plans – 

Orient provides two kinds of travel insurance policies:

• Travel Outbound: Designed for UAE residents travelling outside the UAE
• Travel Inbound: Specifically for travellers visiting the UAE
• Annual Multi-Trip Cover: Under outbound travel insurance, Orient provides a single trip cover of up to 92 days. However, it also offers the annual multi-trip option for any number of trips throughout the policy if none of the trips exceeds 92 days. 

On the other hand, under inbound travel insurance, you can purchase a single trip cover for 90 days. One can also get a multi-trip policy with a duration of six months, although it would be valid only if no trip exceeds 14 days.

Schengen Visa Compliant:

All Orient travel insurance plans are Schengen visa compliant. This allows users to visit any Schengen country they prefer and enjoy the trip, with the travel insurance plan aligning with their budget and requirements.

Easy Claim process:

One of the most remarkable aspects of Orient Travel Insurance plans is that the claimant doesn't have to go through the long waiting process for their claim. You can contact the company any time, and one of their assistance coordinators will provide you with all the relevant information and resolve your queries swiftly.

Wide Range of Add-Ons –

Travellers can choose from various add-ons to customise their Orient travel insurance plans to meet their requirements

Find below the top plans by Orient Travel Insurance – 

6. Adamjee Travel Insurance

Adamjee Insurance, established as a public limited company in 1960 in Pakistan, has several branches across UAE and offers a host of Sharia-compliant insurance products in the emirates. The company also has various travel insurance plans in its collection that can help individuals financially cover their trips. 

Given below are the most notable features of Adamjee Travel Insurance – 

Adamjee Travel Insurance plans are divided into four main groups – individual international, student travel insurance plans, hajj, umrah, and ziarat plans 

International Travel Insurance:

GoSecure Delight, GoSecure Bliss, Secure Plus, GoSecure Care, and Schengen Active are the plans offered by Adamjee under travel insurance. You can opt for any of the plans as an individual or family plan.

Student Travel Insurance:

There are three types of standard travel insurance plans –  student delight, student basic, and student bliss. All student insurance plans come with the option of tuition fee coverage.

Hajj, Umrah, and Ziarat Travel Insurance:

These plans are specifically designed for travellers willing to take trips to Hajj, Umrah, and Ziarat during the year. You can take the annual trip cover for both individuals and families.

Worldwide Coverage: 

The plans provide comprehensive worldwide coverage in international travel insurance plans

Customised Plans:

With so many plans available, travellers can choose the best option suiting their needs and also customise the trip duration coverage

Comprehensive Coverage:

From personal accident cover to personal travel inconvenience benefits, Adamjee travel insurance is an excellent option with an all-inclusive coverage

Besides a low response time and quick customer service, Adamjee is also popular for making it simple for users to access these services and make a claim. With a quick claim process, you can get the required aid whenever needed during your trip.

Have a look at the notable plans of Adamjee Travel Insurance and their major features in the table below – 

7. Emirates Travel Insurance

With almost 60 years of experience under its belt, Emirates NBD has achieved a distinguished status in terms of banking in the UAE. Besides providing various financial services associated with banking like loans and credit cards, it also offers various travel insurance plans to cater to the needs of different market segments. 

This section discusses the significant features of the travel insurance plans by Emirates:

There are three types of travel insurance plans offered by Emirates NBD – 

Basic Europe Travel Insurance Plan – Covers all European and Schengen countries

Travel Insurance Plan – All countries barring the USA and Canada covered

Travel Worldwide Insurance Plan – Worldwide coverage

Round-the-Clock Service : Emirates travel insurance is renowned for its services, with customer service being available 24x7 to help users customers in their time of need. You can contact the customer care team via mail or phone.

COVID-19 Coverage: The travel insurance plans by Emirates come with a pre-approved COVID-19 cover. With this coverage, the traveller can receive financial assistance if they contract the disease on the trip related to medical treatment, as per the policy limits.

Complete Protection During Trip: Along with travel inconvenience benefits, travellers get full coverage for baggage loss and delay as well as medical ailments. Furthermore, several add-ons can enhance insurance plans, whether taken at the individual or family level.

Flexibility: Emirates travel insurance plans are rather flexible, meaning that customers can modify their various aspects to suit their requirements. 

Take a look at the top Emirates Travel Insurance Plans – 

8. RSA Travel Insurance

RSA Travel Insurance, one of the world’s oldest insurance companies, is a leading provider in the insurance sector of the UAE as well. While RSA had initiated its journey with property and home insurance products, it has since incorporated several products in its itinerary and has become one of the most reliable travel insurance companies in the UAE. 

The travel insurance plans offered by RSA offer a wide range of benefits with comprehensive coverage and a relatively high age limit for purchasing the plans.

Mentioned below are the key features and benefits of RSA Travel Insurance – 

Types of Travel Insurance Plans: There are three types of travel insurance plans available – 

• Executive Travel Insurance Plan
• Holiday Travel Insurance Plan
• Schengen Travel Insurance Plan

Claims Assistance:  

RSA offers easy online and offline claim travel insurance plans that can help customers seek the required assistance as per their requirements. This reflects in its records, with RSA having an excellent reported claim settlement percentage of 99.46 per cent with all types of travel insurance plans.

Prompt Customer Support:

You can easily reach out to customer support via phone or mail. 

All-Inclusive Coverage:

From emergency medical expenses to missed departures, RSA covers all. Travellers can customise their policies as per their needs, preferences, and budget.

Travel insurance for Schengen nations is available as a separate option, which provides various coverages including emergency medical expenses, accidental death or permanent disability, personal money, and credit card fraud.

Listed below are the top plans by RSA Travel Insurance – 

9. Union Travel Insurance

Union Insurance, established in 1998, offers a comprehensive range of commercial and retail products in the UAE to help its customers obtain cost-effective and reliable insurance covers. Union Travel Insurance is one such excellent product of the company, offering safety through comprehensive coverage for you, your family, and other co-travellers. Whether on a month-long holiday, annual trip, or weekend gateway, Union travel Insurance can make for a suitable plan for excellent coverage anywhere around the globe.

Enlisted below are the salient features of Union Travel Insurance – 

Types of Travel Insurance Plans: Union Insurance offers three types of travel insurance plans for both outbound and inbound travel – 

Silver Travel Insurance Plan: The standard travel insurance plan provides coverage for emergency medical expenses and other non-medical related issues

Gold Travel Insurance Plan: Along with medical expenses cover, it covers transportation & accommodation expenses, travel delay, trip cancellation, personal belongings, and so on.

Platinum Travel Insurance Plan: Platinum plans offer maximum coverage for your travels among all the categories here. Medical expenses, travel delays, and trip cancellations are all covered under this plan (along with a higher reimbursement rate).

Tailor-Made Insurance Policy: Union Travel insurance offers tailor-made insurance products that cater to both corporates and individuals. Whether you want to purchase inbound or outbound travel insurance, Union provides comprehensive coverage in all its travel insurance plans.

Quick Claim Process: The dedicated insurance claim department is available whenever you require help. Union provides claims concierge services for a rapid and straightforward claim process. Moreover, the claimant doesn't need to visit the company in person, and the entire claim process can be completed online.

Long-Course Coverage: If you are purchasing a single-trip travel insurance policy, there is no restriction in terms of days. However, for annual multi-trip plans, Union offers coverage of 60 days of each trip.

Flexible: Shortening or cancelling a trip puts a strain on your wallet, with several reservations being non-refundable. Union Travel Insurance protects your financial interests in such cases by covering any non-refundable losses resulting from trip cancellations or curtailments

Check out some of the top plans by Union Travel Insurance below – 

10. World Nomads Travel Insurance

World Nomads Travel Insurance, established in 2002, offers flexible and reliable travel insurance plans to mitigate risks while travelling. This insurance provider offers various travel insurance plans with multiple covers at reasonable premiums. The travel insurance plans by World Nomads are beneficial when there is a need for urgent medical evacuation, equipment or any personal belongings are stolen or damaged, need to cancel the trip, or emergency medical assistance.

The following are some of the notable features of World Nomads Travel Insurance:

Types of Travel Insurance Plans: 

World Nomads offers two types of travel insurance plans to travellers:

• Standard Plan: The standard plan offered by World Nomads includes pre and post-departure coverage, ranging from emergency health coverage to personal liability coverage.
• Explorer Plan: The scope of coverage here is more extensive than a standard plan. Besides all the coverage provided by the standard plan, it also provides a few additional benefits like .coverage for personal accident, hijacking and rental vehicle insurance excess.

Flexibility in Trip Extension:

In case your trip gets stretched due to a change of plans or circumstances, you can easily extend your travel insurance policy mid-trip 

World Nomads travel insurance provides extensive coverage, covering situations from pre-trip cancellation to personal health crisis

Round-the-Clock Customer Service:

One of the most notable advantages of getting World Nomads Travel Insurance is their excellent customer service and simple claim procedure. Travellers can file a claim easily online and receive prompt assistance.

Coverage for Delayed Flights:

As flight delays and cancellations result in substantial financial losses, World Nomads Travel Insurance covers delayed flights and baggage. This can save a sizeable chunk of savings, which, otherwise, can get exhausted with such liabilities.

Let’s take a look at the top travel insurance plans by the World Nomads – 

11. HSBC Travel Insurance

HSBC offers an extensive array of insurance products and services in the UAE along with banking products and services. HSBC Travel Insurance is one such category of HSBC insurance plans, with numerous benefits and covers provided to travellers related to missing a connecting flight, loss of luggage, trip delays, and so on. 

It should be noted that HSBC bank offers travel insurance through GIG (formerly AXA) Insurance.

The key features and benefits of HSBC Travel Insurance are as follows – 

Types of Travel Insurance Plans: HSBC chiefly offers two types of travel insurance plans in the UAE – 

• Travel Smart Plan 
• Travel Schengen Plan (compulsory insurance cover required to get a visa to visit the Schengen region)

Multilingual Healthcare Professionals:

HSBC provides multilingual customer care professionals to assist policyholders worldwide whenever they need it. This feature ensures that language issues are never a barrier to receiving emergency assistance in remote lands.

Broad Coverage:

HSBC provides travel insurance plans with extensive coverage that cover various inconveniences and challenges one may face while on a trip 

Quick Claim Processing:

Owing to swift HSBC customer services, the claimant isn’t required to go through the long waiting period to file a claim. With quick claim filing and processing, the policyholder can receive the required aid instantly.

Coverage for Personal Accidents:

HSBC compensates the policyholder or the beneficiaries in case of various eventualities like their death, amputation, total disability, or blindness of the insured person

Tabled below are the major features and inclusions of HSBC travel insurance plans – 

Note: The limits and features are subject to change as per the bank’s policies and may vary as per the user profile and other factors. It is advisable to connect with the provider to know the applicable terms and conditions for your case.

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Over 5,500 Indian expat workers in UAE subscribed under new Life Protection Plan

Plan facilitated by Indian Consulate in Dubai offers up to Dh75,000 death compensation

Dubai: More than 5,500 Indian expat workers in the UAE have been subscribed under a new ‘Life Protection Plan’ that offers up to Dh75,000 compensation for families in case of the death of the insured due to natural or accidental causes.

This was announced on Tuesday by the Indian Consulate in Dubai which had facilitated the launch of the new plan by two insurance companies in the UAE to help families of blue-collar workers without a life insurance plan.

“In line with the Consulate’s continuing efforts to improve the living conditions and terms of employment of Indian workers in the UAE, the Consulate had facilitated the launch of the Life Protection Plan in March 2024,” the mission said in a statement issued on Tuesday.

“Now, the Consulate General of India, Dubai is delighted to note that so far over 5,500 workers have been beneficiaries of the welfare scheme,” it stated.

Why was it launched?

The insurance scheme provides financial benefits to the family of the deceased in the event of natural death or accidental death along with repatriation of mortal remains.

The mission had said that it coordinated with the two insurance companies and major employers in the UAE for launching the new plan after observing that natural death of Indian blue-collar workers, who die here, had not been covered under existing insurance policies.

There are around 3.5 million Indians residing in the UAE, out of which around 65 per cent are blue collar workers. They form one of the largest groups of migrant workers in the UAE, the consulate pointed out.

In the absence of a mandatory insurance coverage for the natural death of employees, the mission pointed out that the legal heirs or dependents of the deceased do not receive any compensation in cases of natural death.

It was to address this concern that the consulate said it facilitated a joint meeting between the major companies recruiting Indian blue-collar workers and the insurance service providers Gargash Insurance Services LLC and Orient Insurance PJSC to arrive at an insurance package, which could cover both natural and accidental death.

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Various benefits

While the insurance plan was launched primarily to support the blue-collar workers, companies are free to extend the coverage to all the employees.

The plan covers employees aged between 18 to 70 for annual premiums ranging from Dh37 to Dh72. The death of workers due to natural or accidental causes is assured from Dh35,000 to Dh75,000 based on the premium. The plan also offers a Dh12,000 coverage for repatriation of the mortal remains of the insured employee.

“On 12 August 2024, Extra Co group of Companies and Gargash Insurance finalised the formalities for subscribing the insurance scheme for workers of the Extra Co Group of Companies at the Consulate,” the mission stated while providing the latest update.

Other benefits of the plan include 24 hour-worldwide coverage for employees having a UAE employment visa and permanent total / partial disability due to accidents.

The mission pointed out that the plan has to be opted by the employers or companies for their employees. “It is currently not available for individual subscribers,” it added.

Sum Assured Options and Annual Premium Per Person

• Dh35,000 per person Dh37
• Dh50,000 per person Dh50
• Dh75,000 per person Dh72

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Travel Insurance for Senior

Our travel insurance  for senior offers comprehensive coverage for travelers up to 85.  our travel insurance includes emergency medical expenses, trip cancellation and much more. , why allianz senior travel insurance .

Our Allianz travel insurance products are available for travelers up to 85 which allows seniors to get covered while they are travelling. Most insurance companies have strict age restrictions: at Allianz Travel, we know there is no age to explore the world or spend time with loved ones no matter where they live. 

Our age limit allows seniors to travel safely and have peace of mind. Our product range remains the same for seniors with Inbound travel insurance to the UAE and Outbound travel insurance being offered.

Please note: our global travel insurance products have different levels of coverage but they are all Schengen visa-compliant in case you need a Schengen-visa. Our Standard and Premium products cover you not only in Europe but also in the rest of the world (Terms and Conditions apply).  Our travel insurance products have benefits such as  trip curtailment, delayed personal possessions, or missed departure for example. 

After the purchase of your Allianz global travel insurance, you will receive an email with the Policy wording and Certificate of Insurance. The Certificate of insurance can then be used when you apply for a tourist visa (ex: Schengen visa).  We recommend you to carefully read the terms and conditions before buying your Single Trip travel insurance in order to understand what is covered and what is not covered in your policy.

Who does Allianz Travel cover? 

Either you want to visit friends or family or you are planning a quick vacation to relax, we have you covered. All our products cover any travelers up to 85.  Our outbound travel insurance requires you to be a resident of the UAE. For our Inbound travel product, anyone travelling to the UAE can purchase our travel insurance and get covered.

You can purchase our senior product online with just a few clicks. Easy and secure, our booking path allows you to buy travel insurance from home in a few seconds. 

What are the eligibility criteria for Senior travel Insurance? 

You can easily check your eligibility by doing a quick quotation online - based on the details you enter, you will be able to see which product(s) can be applicable to your trip.  Allianz's Senior Travel Insurance is designed to cater to a diverse range of travellers up to 85, ensuring peace if mind while you are away. Among the criteria for Allianz travel insurance, there are :

Traveller's age : This insurance includes travellers of almost all ages. It extends from infants as young as 30 days, providing early protection for the youngest travellers, to seniors up to 85, ensuring that more experienced travellers can travel peacefully.

Trip Duration:   our travel insurance products can only cover trips whose duration is limited to 90 days abroad. Whether a quick getaway or an extended exploration, Allianz Travel insurance premium adapts to the duration of your trip. This ensures that you are comprehensively covered from the moment you embark on your journey until your return. 

Country of residence : for our outbound travel insurance, you need to be a UAE-resident. For Inbound travel insurance, there is no restriction on your country of residence. 

How do you claim for Senior Travel Insurance plans?

The claim process does not change for our Senior product. Filing a claim with Allianz's Senior Travel Insurance is a streamlined process:

• Notify Allianz: In the event of an incident, contacting us immediately is crucial for prompt assistance.
• Documentation: Gather and provide all necessary documentation for your claim, such as medical reports, police reports, receipts, or other relevant paperwork.
• Claim Processing: Our dedicated team will review your claim thoroughly and guide you through the process, ensuring a smooth and efficient resolution.

You can submit a claim on our Online Claim Portal . Alternatively, you can contact us by WhatsApp, phone or email

Global Travel Insurance

Travel insurance, is especially for medical issue, into documents are well splatted and explained the travel issue (baggage, equipment, ...) but not in the same clear details the medical policy and condition, this is a possible room to improve., protect your next trip with our senior travel insurance.

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Travel Standard

Standard Senior  travel insurance

From 151 AED

Travel Premium

Premium Senior travel insurance

From 197 AED

 Standard Senior travel insurance

Travel Premiun

Everything you need to know about senior travel insurance, can you get insurance for a one-way trip.

The terminology can sometimes be a bit misleading so let's first clarify the terms:

•  Single Trip:  we call "Single Trip" any trips where the policyholder takes a trip with a clear start date and end date. 
• One-way trip:  this is when the traveler flies off with no return date. This is therefore no longer a trip with an end date.
• Round-trip: it is a synonym of a "single-trip". The traveler takes a trip with a start date and an end date. 

Travel insurance is limited in terms of duration - At Allianz we only cover trips below 90 days. Therefore, in the case a customer takes a one-way trip, they will not be able to purchase a travel insurance since the duration of their stay abroad will be unlimited. 

 Does Senior Travel Insurance cover cancellation?

Senior Travel Insurance typically includes coverage for trip cancellations. This policy aspect is crucial for providing financial protection against the loss of non-refundable travel expenses due to unexpected events such as illness, emergency, or other unforeseen circumstances.

However, it is important to highlight the fact that this benefits has very specific conditions and Allianz will only reimburse the trip if the conditions are respected. You can review how this benefit works i our dedicated article here . 

How long is Senior Trip Insurance valid for?

• Senior Trip Insurance's validity typically aligns with your trip's length. It's designed to provide continuous coverage from when you start your journey until you return. However, travel insurance cannot be unlimited - the maximum duration is 90 days. If your trip is above 90 days, then you are not eligible for travel insurance.

What does Senior Travel Insurance cover?

Senior Travel Insurance is designed to offer comprehensive protection for senior travellers up to 85. This type of insurance typically covers:

• Worldwide medical emergencies: Coverage for medical treatment costs incurred while travelling abroad.
• Trip interruptions and delays: Compensation for additional expenses due to delayed or interrupted travel.
• Baggage and personal belongings: Protection against loss, theft, or damage to luggage and personal items.
• Personal liability: Financial protection in case you're held liable for causing injury to someone or damaging property.

Allianz's Travel Insurance provides extensive coverage to meet the challenges of international travel, ensuring you can confidently explore the world.

Is medical coverage included in  SeniorTravel Insurance?

Yes, medical coverage is a fundamental component of Senior Travel Insurance. The limit for this benefit however varies from one product to the other. Please be sure to check the terms and conditions to see the limit of the product you want to purchase.

However, travel insurance is only for medical emergencies and pre-existing conditions are excluded. Please read our Terms and Conditions carefully to see what is covered and what is not covered.

This coverage is vital for addressing health-related emergencies that might arise during your travels, including:

• Emergency medical treatment: Covers the cost of medical care if you fall ill or get injured.
• Medical evacuation: Provides medically necessary evacuation to the nearest adequate medical facility or back home.

Allianz's senior Travel Insurance ensures that you have comprehensive medical coverage, so you can travel with the assurance that your health is protected.

Are adventure activities covered under Senior Travel Insurance?

Coverage for adventure activities under Single Trip Travel Insurance varies by policy. While standard policies might cover some activities, others, especially those considered high-risk, may require additional coverage. It's important to read carefully our terms and conditions  t o see which activities are covered.

Please note: travelers above 65 cannot purchase our Sport add-on to cover more at-risk activities. 

What should I do if I need to claim my Senior Travel Insurance?

Filing a claim with Allianz's Single Trip Travel Insurance is a streamlined process:

Does Allianz' senior Travel Insurance inclued COVID-19 Coverage?

Many Single Trip Travel Insurance plans now cover COVID-19-related incidents. Allianz's Single Trip Travel Insurance ensures that travellers are protected against COVID-19-related issues, offering coverage that reflects the current global health situation with:

• Medical expenses: If you contract COVID-19 during your trip.
• Quarantine costs: Cover additional accommodation expenses if you need to quarantine.