uae travel health insurance

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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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• International Travel Insurance Dubai
• Single Trip
• Schengen product
• Annual Multi-Trip
• Hajj & Umrah
• Inbound to UAE
• Sports Cover
• Policy Document
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• BUY ALLIANZ TRAVEL

INTERNATIONAL TRAVEL INSURANCE DUBAI

Discover our travel insurance products and select the cover that best suits your needs., enjoy a stress-free trip wherever your travels may take you with allianz travel insurance. we've got you covered from medical emergencies to lost passports, from flight cancellations to baggage mishaps. start your next adventure with confidence, knowing allianz travel has your back..

• Medical and Dental Emergencies : Immediate assistance and coverage, ensuring you receive essential care without the stress of hefty medical bills.
• Trip Cancellations and Delays : Reimbursements for non-refundable expenses, providing support if your trip faces unexpected interruptions or cancellations.
• Lost or Delayed Baggage : Compensation and assistance if your baggage is delayed for over 6 hours, or if it's damaged or lost during your journey.
• Loss of Travel Documents : Swift assistance to help you navigate the situation if your vital travel documents go missing.

Medical benefits include coverage for accidental death, emergency medical expenses, a daily cash allowance during hospital stays, compensation for lost baggage, and support for trip cancellations. Additionally, missed departures or connection flights are also covered.

Why go with Allianz Travel Insurance ?

Here's why allianz should be your first choice for travel insurance.

Globally recognised expertise

Tailored protection for you

24/7 assistance in case of emergency

Online Quote and Purchase 

Why do i need travel insurance .

When do I get travel insurance?

Who should buy travel insurance,  allianz travel insurance products,   schengen travel insurance  .

The perfect travel insurance in the UAE  to obtain your Schengen Visa. Buy your Schengen travel Insurance starting from 56 AED* with Allianz Travel and rest assured for your trip, we’ve got you covered.

From 56 AED*

  global travel insurance  .

Our comprehensive Travel Insurance insures you against the unexpected whilst travelling abroad, whether that be alone or with your family. Buy online today with prices starting from 76 AED* per person.

From 76 AED**

  travel insurance uae  .

Having some family or friends over ? Our Inbound travel insurance to the UAE is available to protect your loved ones from the unexpected. In a few clicks, you can get this travel insurance right until they enter the country.

From 50 AED***

  annual multi-trip  .

Our annual multi-trip travel insurance products cover you for all of your trips below 92 days within a year. This is the best cost-effective travel insurance if you are a frequent traveller. Always buy the best with Allianz Travel.

From 664 AED****

  sport cover  .

At Allianz Travel, we know travelling is about experiences and we want you to be covered when you are taking this extra risk that will make the difference. Our Sport cover accompanies you a step further !

From 169 AED*****

  travelsmart app  .

* Schengen Travel-price based on a 30 year old travelling up to 5 days within a Schengen Destination with no pre-existing medical conditions.

**Travel Standard -Price based on a 30 year old travelling up to 5 days within Worldwide excluding USA & Canada geographical zone.

***Travel UAE-Inbound - price based on a 30 year old travelling up to 5 days to the United Arab Emirates

**** Standard Annual Multi-trip  - price based on an Adult (19-65) purchasing an annual multi-trip insurance. 

***** Travel Insurance to UAE - price based on a 30 year old travelling up to 5 days within Worldwide excluding USA & Canada geographical zon and getting a Sport cover

Main covers across our travel insurance products

Emergency medical expenses, loss of travel documents, missed or delayed departure.

If unforeseen circumstances cause you to miss your departure, we will cover the additional expenses for alternative transportation and accommodation. Similarly, if your departure is delayed for more than 6 hours, we offer benefits after the initial 12-hour delay, with further benefits for each subsequent 12-hour delay.

Not every of our products offers this cover, we recommend you to read the terms and conditions for the travel insurance you are about to purchase. Your policy will specify the maximum payable amount, and covered circumstances will be detailed in the Policy Documen t. Additionally, if you decide to cancel your trip after a 24-hour delay, you may be eligible for compensation up to the specified amount in your policy.

Lost Baggage and Personal Belongings Protection

Travel insurance ensures that lost luggage doesn’t derail your trip. It provides compensation for misplaced items and support in replacing essential belongings. Additionally, the insurance covers the loss of personal documents, offering financial assistance and helping you recover lost time spent tracking down your possessions. Our insurance covers temporary loss or theft of your possessions during your departing journey—excluding valuables—if the delay extends beyond six hours from your arrival destination.

As for the previous benefits, not every of our products includes this benefit. You should read the terms and conditions that apply for the travel insurance you are about to purchase. 

Personal Liability Coverage

Covid-19 cover.

In these uncertain times, we understand the importance of having COVID-19-related cover. Our travel insurance policies include:

• Emergency Medical and Associated Expenses specifically related to COVID-19.
• If you are infected while travelling and require quarantine, we will cover your accommodation costs during this period.

Travel Insurance Documents

Frequently asked questions, understanding travel insurance, what is travel insurance .

Travel insurance is an insurance you can take on when travelling abroad in order to cover yourself, your family or your belongings in case something goes wrong during your trip.  The number of covers and their limits depend on which travel insurance product you choose: usually insurance companies offer different ranges of product (from the most basic to the most comprehensive).

At Allianz Travel, we offer 3 main products: 

• A basic product: Also called Schengen product , this travel insurance offers the basic coverages required to apply for a schengen visa. It mostly offers coverage for emergency medical expenses
• The Extra product : this is the mid-range product offering higher limits and more coverages than the Schengen travel insurance above.  On top of the medical emergency coverages, it also provides insurance for your belongings and trip cancellation or curtailment. 
• The Gold product : this is the most comprehensive product offering higher limits than the 2 other products so you can travel with peace of mind.

What does travel insurance cover?

Travel insurance covers emergency medical expenses in most cases. This means if the traveler gets sick or hurt while travelling, the travel insurance will cover the medical expenses if the claim falls under the Terms and Conditions of the policy.

Aside from the emergency medical expenses, travel insurance can also cover your belongings (delays, loss, thief) as well as expenses if you cut your trip short or if you must cancel your trip. 

Every travel insurance product offers different coverages and limits - it is critical for you to carefully read what the product covers before purchasing any travel insurance. We also encourage you to read the Terms and Conditions to make sure the product is aligned with your expectations.

Which travel insurance is the best for UAE and international travellers ?

There is no right answer here. It depends on what YOU need and what the travel insurance offers. One travel insurance product might be the perfect fit for one traveler while not matching someone else's needs.

The best advice we can give you is to read what the travel insurance product covers so you do not get bad surprises at claim stage. At Allianz Travel we try our best to clearly state what each of our product offers. If you have any doubt about one of our products, you can also reach out to us directly and we will be more than happy to answer your question. 

Allianz offers tailored packages for both UAE and international travellers, ensuring comprehensive coverage. Our cover options include: 

• Single-global trip insurance 
• Annual Multi-trip insurance 
• Inbound UAE travel insurance
• Schengen travel insurance 

What is annual multi-trip travel insurance ?

Annual multi-trip travel insurance covers you for any trips below 90 days  you take throughout an entire year. You buy your travel insurance once and then get covered whenever you travel for the next 365 days. 

This product is the best fit for frequent travelers since you do not need to buy a new travel insurance every time you travel. Aside from being convenient, it is also much cheaper if you travel a lot for work or for leisure. 

As  for any other travel insurance products, the terms and conditions apply.

Can I buy travel insurance when I am already abroad ?

You need to buy your travel insurance before you start your trip. Once your trip has started you cannot buy travel insurance. There are no exceptions to this rule. 

Please note: this is verified when a customer opens a claim - if you purchased your travel insurance after your trip started, your claims will not be eligible. 

What Does Allianz Travel insurance cover ?

Allianz Travel offers different travel insurance products. In order to match your expectations, our real-time quotation engine will ask you a few questions to get you the best travel insurance products based on your trip and profile. 

For each quotation, we usually offer 2 to 3 products - you can then choose which level of cover you want. Before buying one of our travel insurance products, we recommend you to carefully check the coverages, their limits as well as our terms and conditions . If you have any questions, please feel free to reach out to us ! 

What to look for in a travel insurance ?

Most people buy travel insurance to travel with peace of mind knowing they are covered if the unexpected comes up.  Before buying travel insurance, you need to know what type of trip you are going to have to make sure the travel insurance product you pick covers you properly.

For example, if you are going skying in the Alps, you will need to get the Winter Sport add-on on top of your travel insurance so you are sure you will be covered in case you get hurt while snowboarding.

As previously mentioned, it is critical you read the terms and conditions before you take on any travel insurance. If you have a doubt about any coverage, then you can call or whatsapp us . 

What insurance do I need when travelling ?

Travel insurance is the ideal type of insurance for travelling abroad.  Depending on the policy you choose it covers a wide range of things such as medical emergencies, trip cancellations, lost baggage, and more. Choose a plan that aligns with your travel needs.

 You can get a free quote online   in real-time in a few steps. 

Travel Insurance to the UAE

Is it mandatory to have a travel insurance for dubai.

Travel insurance for Dubai is recommended by multiple sources as it will cover you for emergency medical expenses and many other benefits. In a recent   news article , the Indian Embassy strongly advises that anyone travelling to the UAE take out travel insurance. It follows the case of someone who was visiting the UAE and faced high bills after an accident.

Financial burden of unforeseen circumstances is covered with a policy such as ours and prevents financial burden at such a difficult time. Money is not something someone should be worried about when someone is ill, injured or in trouble.

Allianz Travel insurance to the UAE also covers quarantine and emergency medical expenses related to COVID-19. Our online travel insurance is easy to buy in a few clicks and will give you peace of mind while exploring Dubai and the rest of the UAE. 

Does Dubai visa include travel insurance?

Can i get travel insurance for covid-19 in dubai.

Yes, you can get a travel insurance with COVID-19 cover for your trip to Dubai. You just need to buy your travel insurance to the UAE before you arrive in the country. As any other international travel insurance, an Inbound travel insurance to the UAE needs to be bought before your trip starts otherwise your claims will not be eligible.

Allianz Travel has added specific benefits to its travel insurance for the UAE in order to cover quarantine and emergency medical expenses if you get tested positive to COVID-19 while you are travelling in the UAE.

You can check the Allianz travel insurance to the UAE   here .  Buying our online travel insurance is easy and fast. In just a few clicks, you can get a quote and buy online your travel insurance with Allianz Travel.

How much does travel insurance cost?

Prices vary depending on the policy type, duration of the trip, where you are travelling to, the age and number of people travelling and whether any options are required.

To find out how much a policy costs:

• Click " Get A Quote "
• Choose the policy type (single trip or annual trip)
• Add any options you require (Winter sports, Hazardous activities, Terrorism cover)
• Enter the dates and destination of the trip you require
• Enter details of the persons requiring cover
• Click 'Submit'

How can I buy travel insurance ?

How do i know that buying my policy online is secure, can i receive a refund for unused days on my travel insurance policy , can i buy travel insurance while on vacation , what if i change my mind about buying the policy, can i buy allianz travel travel insurance if i am not a resident of united arab emirates, does it matter who i book my travel arrangements through, does allianz travel offer an annual multi-trip policy, is there an age limit on the travel insurance policy, when does cover begin and end, what is the maximum trip length, if i return home early do i get a refund of my premium, are there any exclusions to the policy, am i covered for any existing medical conditions.

The policy does not cover claims relating directly or indirectly to any existing medical conditions, if you or anyone to be insured has at the time of taking out this insurance or booking your journey (whichever is the later):

• Been prescribed regular medication
• Received treatment or had a consultation with a doctor or hospital specialist for any medical conditions in the past 6 months
• Been referred to, treated by or are currently under the care of a doctor or a hospital specialist
• Been diagnosed as having a terminal illness

Please click here  to read the Health Declaration for more information.

Am I covered for skiing or other adventure activities?

Am i covered for loss of cash, does travel insurance cover for everything .

Travel insurance provides a broad range of coverage to protect you during your trip, but it's important to understand that not every activity or situation is covered.

If you have a doubt - please reach out to us  to double check with one of our customer care representatives. 

Here’s a more in-depth look at what might not be covered:

• Pre-existing medical conditions : Many travel insurance policies do not cover pre-existing medical conditions unless you purchase a waiver or additional coverage. It’s crucial to disclose any existing conditions and understand your policy’s terms to ensure you have the necessary protection.
• Incidents occurring under the influence : Incidents that occur while you are under the influence of drugs or alcohol are typically not covered by travel insurance. This includes injuries, accidents, or losses that happen during such times
• Travel to high-risk areas : Travelling to areas with travel advisories or known risks may not be covered under standard travel insurance policies. It’s important to check the travel advisories for your destination and understand your policy’s coverage limitations.
• Cancellation for any reason : Standard trip cancellation coverage applies to specific covered reasons. If you want the flexibility to cancel your trip for any reason and still receive reimbursement, you might need to purchase an additional “Cancel For Any Reason” (CFAR) coverage
• Long-term medical care : Travel insurance is designed for short-term emergencies and might not cover long-term medical care or rehabilitation costs.

Do travel insurance policies cover families travelling together?

Do children need travel insurance , what is the minimum age limit for travel insurance, does travel insurance cover me if i lose my passport, does travel insurance reimburse me if i have to cut my trip short because of a family emergency , can i claim from my travel insurance if i get sick before my trip, how do i get my insurance documents, can i purchase a policy if i have already started my journey, if i have any queries, who do i contact, can i still claim even if i don't have receipts for all my personal possessions, who do i contact in the event of a medical emergency, who do i contact to make a claim, how am i ever going to remember all these different contact numbers, more about travel insurance ....

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Top Travel Insurances for the UAE You Should Know in 2024

Byron Mühlberg

Monito's Managing Editor, Byron has spent several years writing extensively about financial- and migration-related topics.

Links on this page, including products and brands featured on ‘Sponsored’ content, may earn us an affiliate commission. This does not affect the opinions and recommendations of our editors.

A hub for international business and a modern tourist destination, the UAE is a country whose history spans thousands of years into the modern day, offering a unique mix of culture, vibrancy, and natural splendour to visitors and expats from abroad. Although travelling to the UAE can be an accessible holiday destination for many people, out-the-pocket healthcare costs in the country tend to be expensive, so it's a very good idea to arrive there with travel insurance under your belt.

Luckily, online global insurances (known as 'insurtechs') specialize in cost-savvy travel insurance to the UAE and other countries worldwide. Our list below explores the four services we believe provide the best deals for young travellers, adventurers, everyday holidaymakers looking for comprehensive but affordable coverage, and longer-term expats.

UAE Insurance Profile

Here are a few of the many factors influencing the scope and cost of travel insurances for the UAE:

Best Travel Insurances for the UAE

• 01. Should I get travel insurance for the UAE? scroll down
• 02. Best medical coverage: VisitorsCoverage scroll down
• 03. Best trip insurance: Insured Nomads scroll down
• 04. Best mix for youth and digitial nomads: SafetyWing scroll down
• 05. FAQ about travel insurance to the UAE scroll down

Heading to the UAE soon? Don't forget to check the following list before you travel:

• 💳 Eager to dodge high FX fees? See our picks for the best travel cards in 2024.
• 🛂 Need a visa? Let iVisa take care of it for you.
• ✈ Looking for flights? Compare on Skyscanner !
• 💬 Want to learn the local language? Babbel and italki are two excellent apps to think about.
• 💻 Want a VPN? ExpressVPN is the market leader for anonymous and secure browsing.

Do I Need Travel Insurance for the UAE?

Yes, travel insurance is mandatory for travel to the UAE (including to Dubai). This means that as a traveller to the UAE, you must provide valid travel insurance coverage for the entire duration of your stay. If you don't arrive with travel insurance, you risk being denied entry into the UAE, or even deported in certain cases.

However, regardless of whether or not it's legally required, it's always a good idea to take our health insurance before you travel — whether to the Emirates or anywhere else. For what's usually an affordable cost , taking out travel insurance will mitigate most or all of the risk of financial damage if you run into any unexpected troubles during your trip abroad. Take a look at the top five reasons to get travel insurance to learn more.

With that said, here are the top three travel insurances for the UAE:

VisitorsCoverage: Best Medical Coverage

Among the internet's best-known insurance platforms,  VisitorsCoverage  is a pioneering Silicon Valley insurtech company that offers comprehensive medical coverage for travellers going abroad to the UAE. It lets you choose between various plans tailored to meet the specific needs of your trip to the UAE, including coverage for medical emergencies, trip cancellations, and travel disruptions. With its easy online purchase process and 24/7 live chat support, VisitorsCoverage is a reliable and convenient option if you want good value and peace of mind while travelling abroad.

• Coverage 9.0
• Quality of Service 9.0
• Pricing 7.6
• Credibility 9.5

VisitorsCoverage offers a large variety of policies and depending on your needs and preferences, you'll need to compare and explore their full catalogue of plans for yourself. However, we've chosen a few highlights for their travel insurance for the UAE:

• Policy names: Varies
• Medical coverage: Very good. Includes coverage for doctor and hospital visits, pre-existing conditions, repatriation, mental health-related conditions, and many others.
• Trip coverage: Excellent - but only available for US residents.
• Customer support: FAQ, live chat and phone support
• Pricing range: USD 25 to USD 150 /traveller /month
• Insurance underwriter: Lloyd's, Petersen, and others
• Best for: Value for money and overall medical coverage

Insured Nomads: Best Trip Coverage

Insured Nomads is another very good travel insurance option, especially if you're adventurous or frequently on the go and are looking for solid trip insurance with some coverage for medical incidents too. With Insured Nomads, you can choose the level of protection that best suits your needs and enjoy a wide range of benefits, including 24/7 assistance, coverage for risky activities and adventure sports, and the ability to add or remove coverage as needed. In addition, Insured Nomads has a reputation for providing fast and efficient claims service, making it an excellent choice if you want peace of mind while exploring the world.

• Coverage 7.8
• Quality of Service 8.5
• Pricing 7.4
• Credibility 8.8

Insured Nomads offers three travel insurance policies depending on your needs and preferences. We go through them below:

• Policy names: World Explorer, World Explorer Multi, World Explorer Guardian
• Medical coverage: Good. Includes coverage for doctor and hospital visits, pre-existing conditions, repatriation, and many others.
• Trip coverage: Good. Includes coverage for trip cancellation and interruption, lost or stolen luggage (with limits), adventure and sports activities, and many others.
• Customer support: FAQ, live chat, phone support
• Pricing range: USD 80 to USD 420 /traveller /month
• Insurance underwriter: David Shield Insurance Company Ltd.
• Best for: Adventure seekers wanting comprehensive trip insurance

SafetyWing: Best Combination For Youth

SafetyWing is a good insurance option for younger travellers or digital nomads because it offers flexible but comprehensive coverage at a famously affordable price. With SafetyWing, you can enjoy peace of mind knowing you're covered for unexpected medical expenses, trip cancellations, lost or stolen luggage, and more. In addition, SafetyWing's user-friendly website lets you manage your policy, file a claim, and access 24/7 assistance from anywhere in the world, and, unlike VisitorsCoverage, you can even purchase a policy retroactively (e.g. during a holiday)!

• Coverage 7.0
• Quality of Service 8.0
• Pricing 6.3
• Credibility 7.3

SafetyWing offers two travel insurance policies depending on your needs and preferences, which we've highlighted below:

• Policy names: Nomad Insurance, Remote Health
• Medical coverage: Decent. Includes coverage for doctor and hospital visits, repatriation, and many others.
• Trip coverage: Decent. Includes attractive coverage for lost or stolen belongings, adventure and sports activities, transport cancellation, and many others.
• Pricing range: USD 45 to USD 160 /traveller /month
• Insurance underwriter: Tokyo Marine HCC
• Best for: Digital nomads, youth, long-term travellers

How Do They Compare?

Interested to see how VisitorsCoverage, SafetyWing, and Insured Nomads compare as travel insurances to the UAE? Take a look at the side-by-side chart below:

Data correct as of 4/1/2024

FAQ About Travel Insurance to the Emirates

Travel insurance typically covers trip cancellation, trip interruption, lost or stolen luggage, travel delay, and emergency evacuation. Some travel insurance packages also cover medical-related incidents too. However, remember that the exact coverage depends on the insurance policy.

Yes, medical travel insurance is almost always worth it, and we recommend taking out travel insurance whenever visiting a foreign country. Taking out travel insurance will mitigate some or all of the risk of covering those costs yourself in case you need medical attention during your stay. In general, we recommend VisitorsCoverage to travellers worldwide because it offers excellent value for money and well-rounded travel and medical benefits in its large catalogue of plans.

Health insurance doesn't cover normal holiday expenses, such as coverage for missed flights and hotels, but in case you run into medical trouble while abroad, it may cover some or all of your doctor or hospital expenses while overseas. However, not all health insurance providers and plans offer coverage to customers while abroad, and that's why it's generally best to take out travel insurance whenever you travel.

Although there's overlap, health and travel insurance are not exactly the same. Health insurance covers some or all of the cost of medical expenses (e.g. emergency treatment, doctor's visits, etc.) while travel insurance covers non-medical costs that are commonly associated with travelling (e.g. coverage for missed flights, stolen or lost personal belongings, etc.).

The cost of travel insurance depends on several factors, such as the length of the trip, the destination, the age of the traveller, and the level of coverage desired. On average, travel insurance can cost anywhere between 3% and 10% of the total cost of the trip.

A single-trip travel insurance policy covers a specific trip, while an annual one covers multiple trips taken within a one-year period. An annual policy may be more cost-effective for frequent travellers.

Yes, you can sometimes purchase travel insurance after starting your trip, but it is best to buy it before the trip begins to ensure maximum coverage. If you do need to buy insurance after you've started your trip, we recommend VisitorsCoverage , which offers a wide catalogue of online trip and medical insurance policies, most of which can be booked with immediate effect. Check out our guide to buying travel insurance late to learn more.

Yes, you can most certainly purchase travel insurance for a trip that has already been booked, although we recommend purchasing insurance as soon as possible aftwerwards to ensure all coverage is in place before your journey begins. Check out our guide to buying travel insurance late to learn more.

See Our Other Travel Insurance Guides

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United Arab Emirates Travel Insurance Requirements

Last updated: 03/07/2024

As of November 7, 2022, the United Arab Emirates lifted all Covid-19 related entry requirements, including the longstanding travel insurance requirement.

Squaremouth’s UAE Travel Insurance Recommendations

Squaremouth recommends travelers visiting UAE buy a travel insurance policy with at least $100,000 in Emergency Medical coverage and at least $100,000 in Medical Evacuation coverage. This coverage is reimbursement-based, meaning the traveler is typically required to pay their medical expenses upfront and then file a claim for reimbursement when they return home.

In addition to these medical benefits, most travel insurance policies are comprehensive and include a variety of other benefits, without increasing the cost of a policy. This includes coverage for travel delays and lost or delayed luggage.

Travelers visiting the UAE also have the option to insure their trip costs under the Trip Cancellation benefit. This benefit can reimburse all of their prepaid and non-refundable trip payments if they need to cancel due to an illness or injury, inclement weather, or terrorist incident, among other events.

Click here to begin your search for UAE Travel Insurance.

UAE Travel Insurance Trends and Data

Travel to the United Arab Emirates ( UAE ) has skyrocketed over the past few years. Technologically advanced cities, namely Dubai and Abu Dhabi, have made the UAE one of the most attractive and breathtaking countries to visit in the world.

Destination Rank: 59

Percentage of Squaremouth Sales: 0.34%

Average Premium: $263.90

Average Trip Cost: $3,765.35

Helpful Resources

• U.S. Department of State – UAE

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Daman Health Insurance Plan For Visitors - 190 Days UAE Coverage (Multi Trips)

Daman’s Travel Health Insurance Plan for the UAE visitor covers a wide range of protection in case immediate and unexpected medical inpatient attention is required during your travel to the UAE, including COVID hospitalizations.

Kindly note that the Visitor’s Travel Health Insurance plan is non-refundable plan and coverage dates are non-changeable once purchased

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United Arab Emirates Insurance for Visitors

Safety and Travel Insurance Advice for the UAE

While medical care is exceptional in many areas of the UAE, it can also be expensive. Therefore, it is a good idea to have travel health insurance when you enter the UAE. A UAE travel insurance plan will ensure that you can get the best care available in an emergency without worrying about the costs.

If you are having a medical emergency, the UAE has fantastic medical facilities available. Many of them are accredited by international medical and hospital associations. Since 2008, the country has been working on unifying and stabilizing its health care system.

Travel Insurance Plans for Visitors to the UAE

The UAE has some excellent hospitals and overall great health care. However, services can be costly for visitors who are not insured. We recommend the following UAE travel insurance plans when visiting the country. Both plans cover Covid-19 for travelers to the UAE and other countries.

• Emergency medical, evacuation, repatriation benefits
• Choose between the basic and more extensive coverage
• Meets Schengen visa insurance requirements
• 24/7 worldwide travel and emergency medical assistance

Seven Corners Travel Medical Insurance

• Comprehensive medical coverage with benefits up to $5,000,000.
• Adventure activities coverage available.
• Emergency Medical Evacuation protection up to $500,000.

General Safety Tips and Staying Healthy in the United Arab Emirates

The United Arab Emirates is a relatively safe travel destination. Most incidents arise from either cultural differences or the weather, both of which can be managed with the appropriate knowledge and preparation.

Desert Life

The UAE is a subtropical desert. The country typically experiences very hot summers, with the highest temperatures in July and August, and fairly dry, mild winters. The country rarely receives rainfall making dust storms a hazard, although when rain occurs, flooding can also be an issue.

Heatstroke is one of the most common issues travelers to the UAE experience. Be sure to drink plenty of water. However, you should avoid drinking tap water or beverages containing ice made with tap water, because it may be contaminated with bacteria or other impurities. Bottled water or carbonated beverages in a can will be the safest choice to drink.

Due to the hot climate, tourists are often tempted to wear loose-fitting, casual clothing. Dress codes in the UAE are closely tied with religious views and even the legal system. Men should dress conservatively and show very little skin. Women should follow the same rules to a greater extent, making sure not to show bare shoulders, knees, legs, or arms.

In some areas – although usually not in the touristy parts – women may be required to cover their faces as well. While this may be inconvenient, covering up is also the best way to protect against extreme sun exposure, in addition to wearing sunscreen whenever outdoors.

Vaccines, Necessary Medicines, and Pharmacies When Traveling to the United Arab Emirates

Vaccinations.

Before departing to the UAE, it is important to check that you are current with all routine vaccinations. The CDC recommends that travelers to and expats in the UAE get a booster shot for hepatitis A and typhoid, both of which can be spread through food. The best way to avoid these diseases is to keep away from undercooked food or game meat that typically would not be served in the US.

Some travelers may also want to get a Hepatitis B shot. If you prefer not to, this disease can be prevented by avoiding sexual contact, abstaining from drug use that requires injection, and avoiding piercings or tattoos while abroad. Rabies vaccinations are only recommended if you will be traveling through remote areas or working closely with animals.

There are a variety of international sites to help you stay up to date on any health advice that applies to a safe trip abroad.

MERS (Middle East Respiratory Syndrome) is a viral respiratory illness that has occurred in countries throughout the Arabian Peninsula. Its symptoms include fever, cough, and shortness of breath. There are no advisories about avoiding travel because of it, but it is smart to take precautions such as washing your hands, avoiding ill individuals, and avoiding consuming raw camel milk (which has been linked to the disease in other countries). People with weakened immune systems, diabetes, kidney disease, or chronic lung failure are considered high risk for MERS. There is currently no vaccination or standardized treatment for the virus. The disease is rare and very close contact is needed for transmission.

Some prescribed medicines from other countries are considered controlled substances in the UAE, and therefore illegal. Check with your local embassy for a list, and see if you need permission from the UAE Ministry of Health prior to your stay in the country in order to bring medications in. Without this permission, you may be subject to prosecution under UAE law.

Most pharmacists in the UAE are expats themselves and it’s a growing industry there. You’ll be able to find pharmacies in most private and public hospitals, and the number is increasing due to the rapid growth in expatriates.

Outside of Abu Dhabi and Dubai, 24-hour pharmacies may be difficult to locate in the UAE. Most are open Saturday-Thursday. Some may be open for limited hours on Friday, but most are closed due to religious activities.

Medical Services in the United Arab Emirates

The healthcare system in the UAE has improved substantially in the last decade. Dubai has recently made it a law that all employers must provide healthcare to their employees free of charge. Consultation and some care are free to nationals and expatriates may receive subsidized medical service and easy access to facilities. However, it is generally recommended that visitors obtain UAE travel insurance to enter the country.

UAE travel insurance is mandated for certain visas. If you don’t need a visa or you can get a visa on arrival, you are not required to have travel insurance. But getting travel insurance for the UAE will cover you if you wind up in a sticky situation like a medical emergency.

All people residing in the UAE, citizens and expats, are required by law to have health insurance. Citizens living in the emirate of Dubai who are not covered by any other insurance have access to the program Saada. The emirate also requires employers to provide health insurance for resident expatriates, but not their dependents. Abu Dhabi covers its citizens through the Thiqa program; employers are required to provide health insurance for resident expatriates and their dependents (one spouse and up to three children).

If you will be working in the country, you will need international health insurance because a UAE travel insurance plan is insufficient. If you are moving to the UAE with your family, you will also need to arrange coverage for your dependents in most instances, the exception being certain dependents in Abu Dhabi. You will also need to arrange protection for other dependents and any domestic workers you will employ. You may also want to arrange for international health insurance if the UAE health insurance your employer provides is not sufficient for your needs.

International Health Insurance Plans for Expats Residing in the United Arab Emirates

William Russell and Now Health International offer compliant coverage in the UAE. They are some of the best expat insurance plans in the UAE because of their excellent support, extensive network of healthcare providers, and plan flexibility.

Related: Health Insurance in Dubai

• William Russell plans cover you internationally, both in the country you reside in and wherever you are traveling to (addons required for USA)
• Their network includes 40,000 hospitals around the world.
• Plans have comprehensive cancer coverage, including genome testing.

Now Health WorldCare Plan‎

• WorldCare is one of the most comprehensive, benefit-rich products in the international health insurance market today
• Access to world-class health facilities worldwide
• Talk to global member support 24/7/365

Visa Options for Traveling or Working in the UAE

Most travelers to and expatriates in the UAE are required to apply for a visa. Even if you are only transiting through the airport, if you will be there longer than 8 hours, you will need a visa. The kind of visa you need will depend on why you are going to the UAE and how long you want to stay there.

If you are changing planes in Dubai or Abu Dhabi and have more than 8 hours between flights, you will need to obtain a transit visa, which can be done through your airline or online. If you are staying longer, people of many nationalities can receive a tourist visa on arrival at the immigration counter at Dubai International Airport or Abu Dhabi International Airport. This will be valid for 30 days and can be extended for an additional 30 days for a fee.

If you are hoping to work in the United Arab Emirates you will need the sponsorship of the company that is hiring you or a resident of the UAE. The visa process will likely be managed by the company, but you will have to provide the necessary paperwork and take a blood test. It is important to note that the UAE will detain and deport any non-citizen who tests positive for HIV, and may also do so for people testing positive for tuberculosis or hepatitis.

Citizens from GCC nations - Bahrain, Kuwait, Oman, Qatar, and Saudi Arabia - do not need a visa to travel to and work in the UAE. Be sure to cancel your work visa upon leaving the country to avoid complications.

UAE Travel Warnings and Alerts

Before traveling to the UAE, be sure to check your respective governmental website for any updates on warnings and alerts.

• U.S. Department of State
• Government of Canada
• Australian Government, Department of Foreign Affairs and Trade
• Government of the United Kingdom

Stay Safe - Follow the Local Law and Customs in the United Arab Emirates

The UAE legal system is based on a civil law system much like the U.S., although it does have some elements of Sharia law that can be confusing for tourists. The word Sharia comes from Arabic and is roughly translated to morals. Many of these laws relate to legal punishments for issues involving sexuality, hygiene, religion, etc. It is often associated with the religion of Islam but has other uses within the Arab world as well.

Some of the legal issues travelers to the UAE should be aware of specifically involve physical affection between individuals as well as drug and alcohol use. Kissing in public is illegal, and foreigners are deported on a regular basis for violating this law. Additionally, premarital sex is a grievous violation as is homosexuality, both of which have led to the prosecution of foreigners in recent years. Underage drinking, public drunkenness, and any form of drug use are also criminal offenses that can be prosecuted. Foreigners are subject to these laws and can face lengthy prison sentences or worse for violations.

While most of the population in the United Arab Emirates identifies as Muslim, the government has adopted a strict non-discrimination policy between religions. Proselytizing is forbidden, as is criticizing or preventing the practice of any religion. That said, during the month of Ramadan, it is illegal for both Muslims and non-Muslims to eat or drink in public during daylight hours.

The UAE has one of the most disproportionate gender ratios in the world, with three men per woman . This gender ratio is mostly driven by foreign male laborers, particularly in construction. As a result, single females are often targeted by men. That is not to say women are the only targets. A number of male tourists have reported rape and sexual assault—by women and other men—in the UAE. Unfortunately, because sex outside of marriage is illegal, people who report they have been raped are often arrested and imprisoned for months . While the country has grown to economic prosperity for its protection of tourists and foreigners, it is also widely criticized for perceived human rights violations and failure to prosecute crimes against foreigners.

Emergency and Medical Contact Information in the United Arab Emirates

Emergency Service Contact Information:

• Police : 999
• Ambulance : 998

More emergency numbers are located here through the UAE’s official governmental page.

Embassies in Abu Dhabi:

• United States Embassy : +971-2-414-2200
• Canadian Embassy : +971 2 694-0300
• Australian Embassy : +971 2 401 7500
• New Zealand Embassy : +971 2 4411222
• United Kingdom Embassy : +971 2 610 1100

More to Read:

America: Safety and Travel Insurance for the USA

Hong Kong Travel Insurance

Insurance for Travel to Russia

Ireland – Travel Insurance for Visitors

Malaysia: Travel Insurance and Safety Advice

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Hot Oceans Worsened Dubai’s Dramatic Flooding, Scientists Say

An international team of researchers found that heavy rains had intensified in the region, though they couldn’t say for sure how much climate change was responsible.

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By Raymond Zhong

Scenes of flood-ravaged neighborhoods in one of the planet’s driest regions stunned the world this month. Heavy rains in the United Arab Emirates and Oman submerged cars, clogged highways and killed at least 21 people. Flights out of Dubai’s airport, a major global hub, were severely disrupted.

The downpours weren’t a total surprise — forecasters had anticipated the storms several days earlier and issued warnings. But they were certainly unusual.

Here’s what to know.

Heavy rain there is rare, but not unheard-of.

On average, the Arabian Peninsula receives a scant few inches of rain a year, although scientists have found that a sizable chunk of that precipitation falls in infrequent but severe bursts, not as periodic showers. These rains often come during El Niño conditions like the ones the world is experiencing now.

U.A.E. officials said the 24-hour rain total on April 16 was the country’s largest since records there began in 1949 . And parts of the nation had already experienced an earlier round of thunderstorms in March.

Oman, with its coastline on the Arabian Sea, is also vulnerable to tropical cyclones. Past storms there have brought torrential rain, powerful winds and mudslides, causing extensive damage.

Global warming is projected to intensify downpours.

Stronger storms are a key consequence of human-caused global warming. As the atmosphere gets hotter, it can hold more moisture, which can eventually make its way down to the earth as rain or snow.

But that doesn’t mean rainfall patterns are changing in precisely the same way across every part of the globe.

In their latest assessment of climate research , scientists convened by the United Nations found there wasn’t enough data to have firm conclusions about rainfall trends in the Arabian Peninsula and how climate change was affecting them. The researchers said, however, that if global warming were to be allowed to continue worsening in the coming decades, extreme downpours in the region would quite likely become more intense and more frequent.

Hot oceans are a big factor.

An international team of scientists has made a first attempt at estimating the extent to which climate change may have contributed to April’s storms. The researchers didn’t manage to pin down the connection precisely, though in their analysis, they did highlight one known driver of heavy rain in the region: above-normal ocean temperatures.

Large parts of the Indian, Pacific and Atlantic Oceans have been hotter than usual recently, in part because of El Niño and other natural weather cycles, and in part because of human-induced warming .

When looking only at El Niño years, the scientists estimated that storm events as infrequent as this month’s delivered 10 percent to 40 percent more rain to the region than they would in a world that hadn’t been warmed by human activities. They cautioned, however, that these estimates were highly uncertain.

“Rainfall, in general, is getting more extreme,” said Mansour Almazroui, a climate scientist at King Abdulaziz University in Jeddah, Saudi Arabia, and one of the researchers who contributed to the analysis.

The analysis was conducted by scientists affiliated with World Weather Attribution, a research collaboration that studies extreme weather events shortly after they occur. Their findings about this month’s rains haven’t yet been peer reviewed, but are based on standardized methods .

The role of cloud seeding isn’t clear.

The U.A.E. has for decades worked to increase rainfall and boost water supplies by seeding clouds. Essentially, this involves shooting particles into clouds to encourage the moisture to gather into larger, heavier droplets, ones that are more likely to fall as rain or snow.

Cloud seeding and other rain-enhancement methods have been tried around the world, including in Australia, China, India, Israel, South Africa and the United States. Studies have found that these operations can, at best, affect precipitation modestly — enough to turn a downpour into a bigger downpour, but probably not a drizzle into a deluge.

Still, experts said pinning down how much seeding might have contributed to this month’s storms would require detailed study.

“In general, it is quite a challenge to assess the impact of seeding,” said Luca Delle Monache, a climate scientist at the Scripps Institution of Oceanography in La Jolla, Calif. Dr. Delle Monache has been leading efforts to use artificial intelligence to improve the U.A.E.’s rain-enhancement program.

An official with the U.A.E.’s National Center of Meteorology, Omar Al Yazeedi, told news outlets that the agency didn’t conduct any seeding during the latest storms. His statements didn’t make clear, however, whether that was also true in the hours or days before.

Mr. Al Yazeedi didn’t respond to emailed questions from The New York Times, and Adel Kamal, a spokesman for the center, didn’t have further comment.

Cities in dry places just aren’t designed for floods.

Wherever it happens, flooding isn’t just a matter of how much rain comes down. It’s also about what happens to all that water once it’s on the ground — most critically, in the places people live.

Cities in arid regions often aren’t designed to drain very effectively. In these areas, paved surfaces block rain from seeping into the earth below, forcing it into drainage systems that can easily become overwhelmed.

One recent study of Sharjah , the capital of the third-largest emirate in the U.A.E., found that the city’s rapid growth over the past half-century had made it vulnerable to flooding at far lower levels of rain than before.

Omnia Al Desoukie contributed reporting.

Raymond Zhong reports on climate and environmental issues for The Times. More about Raymond Zhong