Insurance products featured on this page are underwritten by insurers licensed by the Central Bank of the UAE, and this platform operates in line with Emirates Insurance Association membership standards.
What Is Travel Insurance UAE?
Travel insurance UAE is a short-term (or annual) insurance policy that protects you financially against the things that can go wrong before or during a trip â whether you're a UAE national heading abroad, an expat flying home to visit family, or a resident booking a weekend in Georgia.
The UAE's traveler base is unusual in one important way: the vast majority of the population is expat, which means "travel" here often means visiting a home country thousands of kilometres away, not just a holiday. That changes what matters in a policy â long-haul medical cover, repatriation, and visa-linked insurance requirements come up far more often here than in most markets.
Two things make travel insurance non-negotiable for anyone flying out of the UAE:
- Visa requirements. Several of the most popular destinations for UAE-based travelers â the Schengen area, the UK for certain visa categories, and others â legally require proof of travel medical insurance before a visa is issued. Without it, your application can be rejected outright.
- Medical costs abroad. Emergency treatment overseas is rarely cheap, and in countries like the US or parts of Europe it can be ruinous â a few days in a foreign hospital can run into tens of thousands of dollars. Your UAE health insurance, in most cases, does not follow you across a border.
A solid travel insurance UAE plan typically covers emergency medical expenses, hospitalisation, medical evacuation, trip cancellation or curtailment, baggage loss and delay, personal liability, and flight-related disruptions â all for a premium that starts as low as AED 22 for a single trip.
Top Travel Insurance UAE Plans
Comparing plans side by side is the fastest way to see where your premium is actually going. Here's a snapshot of some of the most popular travel insurance UAE plans available today:
| Insurer | Plan | Medical Cover | Trip Cancellation | Baggage Loss | Starting Price |
|---|---|---|---|---|---|
| Salama Insurance | Schengen Single Trip | USD 50,000 | USD 2,000 | USD 1,000 | AED 22 |
| Watania Takaful | Annual Gold â Travel Visit Assurance | Add-on available | â | â | AED 24 |
| RAK Insurance | Individual Standard (Hajj & Umrah) | USD 30,000 | USD 1,500 | USD 250 | AED 41 |
| GIG Gulf (AXA) | Travel Schengen | âŦ40,000 | â | Loss of passport: âŦ750 | AED 47 |
* Prices and benefit amounts shown are indicative starting rates and vary by traveler age, trip duration, and destination.
Travel Insurance UAE â Quick Insights
| Particulars | Details |
|---|---|
| Starting cost | AED 22 |
| Age range covered | 30 days to 65 years (senior citizen add-ons available up to 99 in select plans) |
| COVID-19 coverage | Mandatory quarantine expenses for 7â14 days, including RT-PCR test and medicine costs (plan-dependent) |
| Geography | Domestic (UAE/GCC) and international trips |
| Single trip duration | Up to 90 days, or until your return date â whichever comes first |
| Multi-trip duration | Valid for up to 1 year, with each individual trip capped at 90 days |
| Core medical benefits | Accidental death, emergency medical expenses, hospital daily cash allowance |
| Core trip benefits | Baggage loss, trip cancellation, missed departure/connection |
| Popular add-ons | Luxury item loss cover, pre-existing medical condition cover |
| Family cover | Available on most plans |
| Claim process | Online or offline |
Why the UAE Requires Travel Insurance
UAE authorities place strong emphasis on outbound travelers holding valid insurance, and several destination countries require it as a condition of entry. If you're applying for a Schengen visa, for instance, proof of medical travel insurance with a minimum coverage amount (commonly âŦ30,000) is a standard document requirement â no proof, no visa.
The UAE's travel insurance market has grown to match this â insurers here design plans around how residents actually travel: frequent short GCC trips, long-haul visits home, Hajj and Umrah journeys, and European holidays. If you fly often, multi-trip annual plans save you from re-buying insurance every time. If your travel is occasional or your dates are fixed, a single-trip plan is usually the more cost-effective choice.
Accidents & Illneses
Emergency medical evacuation, hospitalisation, and repatriation abroad.
Baggage Protection
Covers delayed bags or document replacements such as passports.
Trip Disruption
Covers flight cancellations, delays, and missed departure connections.
Types of Travel Insurance in the UAE
Features & Benefits of Travel Insurance UAE
Baggage Cover
Landing without your suitcase is one of those problems that seems minor until it's happening to you at midnight in an unfamiliar airport. Baggage cover reimburses you for loss or theft, and â just as usefully â covers essential purchases (clothes, toiletries) when your bag is delayed on a connecting flight.
Medical Cover
Healthcare abroad can cost multiples of what it does at home, especially in the US, UK, or parts of Europe. Your plan's medical cover typically extends to emergency treatment, hospitalisation, ambulance services, and medical evacuation â the exact protection that matters most when you're far from your usual doctor.
Trip Benefits
This is the broad umbrella: personal accidents, legal and personal liability, health emergencies, and flight disruptions, all bundled into one policy so you're not piecing together separate protections for each risk.
Mandatory Requirements
Some destinations â the Schengen zone most notably â won't issue a visa without proof of travel insurance. Always check your destination's entry requirements before you assume insurance is optional; for UAE-based travelers heading to Europe, it almost never is.
Personal Liability Cover
If you're found legally responsible for injury or property damage to someone else during your trip, this covers legal fees and associated costs â a category of risk that's easy to overlook until you need it.
Top Travel Insurance UAE Plans (Extended)
| Plan Name | Key Features | Trip Duration | Action |
|---|---|---|---|
| AIG Insurance Silver | Emergency medical cover up to USD 50,000; COVID-19 covered; 24-hr worldwide assistance | 90 days/trip | Get quote |
| AIG Insurance Platinum | Medical cover up to USD 500,000; baggage loss up to USD 2,500; trip cancellation up to USD 5,000 | 90 days/trip | Get quote |
| GIG Gulf (AXA) Travel | Emergency medical cover USD 1,000,000; personal liability USD 1,000,000 | 90 days/trip | Get quote |
| Watania Travel Insurance | Medical cover USD 500,000; personal assistance services; personal accident | 30 days/trip | Get quote |
| Alliance Travel Insurance | Emergency medical cover; personal accident cover; baggage loss; Schengen ready | 90 days/trip | Get quote |
How ALL UAE Tours Helps You Buy Travel Insurance
ALL UAE Tours brings together plans from the UAE's leading travel insurers on one platform, so you can compare medical cover, pricing, and benefits side by side instead of checking insurer websites one at a time. Because we work directly with regulated UAE insurers, every plan listed is genuine and purchase-ready â and our support team stays with you through the claims process, not just the sale.
Frequently Asked Questions
Q1. Can I purchase travel insurance online in the UAE?
Yes. You can buy a travel insurance UAE plan directly through an insurer's website, or compare and buy through an aggregator platform like ALL UAE Tours â the entire process, from comparison to policy issuance, can be completed online.
Q2. What is the minimum age to purchase travel insurance in the UAE?
You need to be 18 or older to purchase a policy as the primary policyholder. Individuals as young as 30 days old can be covered under a family or individual plan taken out on their behalf.
Q3. How many family members can be covered under family travel insurance?
Most family travel insurance plans in the UAE cover up to 4 members â typically 2 adults and 2 children â under a single policy, with members ranging from 30 days to 60â65 years old.
Q4. What is the maximum age until which I can get travel insurance in the UAE?
Standard plans generally cover travelers up to 60â65 years. Beyond that, dedicated senior citizen travel insurance plans are available, with some UAE insurers extending cover up to 99 years depending on the plan.