- What is Travel Insurance?
- Travel Insurance UAE at Glance
- When to Purchase Travel Insurance?
- Who Should Buy Travel Insurance?
- Importance of Travel Insurance
- Buy Travel Insurance Online in 5 Steps:
- Travel Insurance Inclusions and Exclusions In UAE
- Optional Upgrades for Travel Insurance
- Documents Required for Travel Insurance
- How Does Policybazaar.ae Help You Buy the Right Travel Insurance Online?
- Countries that Require Mandatory Travel Insurance
- Know More About Travel Insurance
- You May Also Check
Travel Insurance
Travel insurance is a unique product meant to protect you while traveling it offers you financial help in case something were to go wrong while you’re traveling. It is essential to buy insurance to protect your travel because it can provide peace of mind in the event of any unexpected issues that ...read more
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Table of Content
What is Travel Insurance?
Travel insurance is a special kind of insurance that financially helps you when you are travelling. It's like a safety net that saves you if something unexpected happens and costs a lot of money.
Imagine you're on a trip and your bags get lost, you need to see a doctor urgently, your flight gets cancelled, or you're stuck somewhere because of a delay.
It can cover the money that you'd lose in these situations. Some places that you visit might even require mandatory insurance so that you don't end up in a tough spot if there's an emergency.
However, even if it's not required, having insurance is a smart choice. Remember — having the right insurance can turn a potential disaster into a minor hiccup, and you can enjoy your journey with peace of mind.
Travel Insurance UAE at Glance
| Particulars | Specification |
|---|---|
| Insurance Cost | Starting at AED 33 |
| Age Range Covered Under the Insurance | From 30 days to 65 years |
| Countries Covered | 200+ Countries covered |
| Duration of Insurance | Single trip: A trip of upto 90 days or upto the return date (which ever is earlier) Multi trip: Valid up to 1 year with a maximum coverage of up to 90 days per trip |
| Medical Benefits |
|
| Add-ons |
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| Covers Family | Available with most plans |
| Claim procedure | Can Claim both online and offline |
| Claim Settlement Preiod | Depends on the insurance provider but typically within a few weeks |
| Customer Support | Possible in case of travel delay, with the insurer's approval |
| Policy Extension | Possible in case of travel delay, with the insurer's approval |
| Cancellation Policy | Free cancellation within a specific period, varies by insurer |
When to Purchase Travel Insurance?
The best time to purchase travel insurance is ideally within 14 days of booking your journey. This timing allows you to take full advantage of the policy's benefits, including those that may require early purchase such as coverage for pre-existing conditions or cancel-for-any-reason options.
Who Should Buy Travel Insurance?
Tourists
Students
Families
Senior Citizens
Businesses
Tourists can purchase either an individual or group plan. Individual travel insurance plans offer benefits like emergency medical coverage, trip-related and baggage-related coverage, and more. Tourists travelling in groups, on the other hand, can secure a group travel plan. However, there is a limit on the number of members covered under such plans.
Generally, students between 16 and 35 years of age who go on education trips or pursue higher studies abroad should also secure a plan. These insurance plans provide a combination of medical insurance and travel benefits. The limit for such a insurance plan is between 30 and 45 days.
Families can also take a insurance plan while travelling abroad. Such insurance plans usually include all the members of the family right from a 30-day infant to a 65-year-old adult. The upper age limit for members in the plans, however, differs from provider to provider.
The options for insurance online also include plans specifically made for senior citizens. These travelling insurance plans are designed for people who are more than 65 to 70 years old. The minimum and maximum age for the plan could differ depending on the provider. Some providers have set an upper limit for the age of 99 years, while others have set the maximum limit at 80 or 85 years. The plans available for senior citizens are usually more expensive than other plans.
Business owners can secure a business travel insurance plan for their employees who have to travel abroad for work. Any employee travelling for business can secure the plan only at the company’s discretion. These plans are similar to individual insurance plans except for their additional covers like cover for electronic gadgets.
Importance of Travel Insurance
Wide-Ranging Protection
It offers comprehensive coverage, i.e., it financially protects you in a variety of situations. This can include lost luggage, travel delays, and more so that you're covered for many unexpected events.
Emergency Medical Support
One of the key benefits of travel insurance is that it covers emergency medical expenses. So if you get sick or injured while traveling, travel insurance can help pay for your medical bills, which can be very expensive in some countries.
Protection for Cancellations
If you need to cancel or cut your trip short due to reasons like illness or a family emergency, you can get reimbursed for non-refundable expenses.
Liability Coverage
Personal liability coverage is another important feature. If you accidentally injure someone or damage their property while on your trip, insurance can cover legal costs or compensation claims.
Baggage and Personal Belongings
It also covers loss, theft, or damage to your baggage and personal belongings.
Adventure Sports and Activities
For those who love adventure, some policies cover injuries or accidents resulting from activities like skiing or scuba diving, which are often excluded from standard policies. You can also add them as optional riders to your existing policy to enhance coverage.
Choosing the Right Type of Travel Insurance
| Type of Plan | Description | Eligibility | Apply |
|---|---|---|---|
| Individual Plan | Individual travel insurance is tailored for solo travellers | Individual travellers; No specific age restrictions but varies by provider | Buy Now |
| Senior Citizen Plan | This insurance provides coverage with a focus on medical care, including pre-existing conditions for seniors aged above 65 |
For travellers aged 65 years and above |
Buy Now |
| Family Plan | Offering bundled coverage for the entire family, this insurance simplifies protection for all family members traveling together. It's ideal for families seeking a unified policy that covers everyone. | Families traveling together: May require at least one adult and one child | Buy Now |
| Schengen Visa Plan | Specifically required for visa applications to the Schengen area, this insurance meets the visa requirements and covers medical expenses and repatriation. | Travelers visiting Schengen area — must meet Schengen visa insurance requirements | Buy Now |
| Business Plan | Designed for professional needs, this insurance covers trip cancellations, lost business equipment, and medical emergencies. | Employed and traveling for work purposes; company may specify eligibility | Buy Now |
| Student Plan | Tailored for students studying abroad, this type of insurance covers health, personal belongings, and travel interruptions, often including coverage for study-related needs. | Students studying abroad — age limits may apply, usually between 16 to 35 years | Buy Now |
| Group Plan | When traveling in groups, this insurance offers a cost-effective way to cover all members under one policy. | Groups of travellers — minimum group size may be required | Buy Now |
| Domestic Plan | This type of insurance covers trips within your home country. | Resident of the country where the policy is purchased | Buy Now |
| International Plan | Tailored for trips abroad, this insurance offers wide coverage. It's a must-have for anyone traveling outside their home country as it provides global protection. | Must be traveling outside your home country | Buy Now |
| Single Trip Plan | Designed for one-off trips, this insurance covers you from the moment you leave your home until you return. It's perfect for occasional travellers who require coverage for a specific journey. | Available for one specific trip — no age restrictions but varies by provider | Buy Now |
| Multi-Trip Plan | This insurance is for travellers who take multiple trips in a year, providing coverage for all trips within a set period (usually 12 months). Frequent travellers can benefit from this convenient and cost-effective option. | Frequent travellers: Some insurers may have age limits. | Buy Now |
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Buy Travel Insurance Online in 5 Steps:
Step 1Click & Go: Travel Insurance
Visit Policybazaar.ae and click on the travel insurance icon on the home page.
Step 2Choose Your Journey
Select whether you’re traveling to the UAE or traveling out of the UAE and fill in the destination country.
Step 3Set Your Schedule
Enter the trip dates, including the starting and ending dates of your travel.
Step 4Enter Traveller Info
Provide information about you and other travellers, including ages, number of people traveling and contact details.
Step 5Pick Your Plan
Submit and explore travel insurance plans. Filter, budget, and choose coverage for your ideal plan.
The premiums for insurance are subject to change and may vary based on several factors including, but not limited to, the age of the travellers, the number of persons traveling, the destination, and the duration of the trip.
| Buy Travel Insurance |
Travel Insurance Inclusions and Exclusions In UAE
What it Covers?
What it doesn't cover?
Although the coverage of travelling insurance plans varies from one plan to another, some inclusions remain consistent across most policies. Generally, the insurance plan includes the following:
- Medical Emergency: This provides coverage for emergency medical conditions, including unexpected illness or injury, hospital stays, medical treatments, and emergency medical evacuation if necessary.
- Trip Cancellation/Delay: If you have to cancel or cut your trip short due to reasons like illness, injury, or a death in the family, this cover reimburses you for non-refundable expenses. It's essential for recovering costs that can't be retrieved otherwise.
- Baggage Loss/Delay: This part of your insurance compensates you for the inconvenience and additional expenses incurred due to travel or baggage delays. It covers essential items that you need to purchase while waiting for your luggage and any necessary accommodation expenses if your travel is significantly delayed.
- Personal Documents and Belongings: This provides financial protection for your baggage and personal belongings against loss, theft, or damage. It also safeguards personal money and important documents such as passports and travel tickets and offers financial protection against the fraudulent use of your credit card. Additionally, compensation is provided if you are physically injured or your belongings are stolen during a mugging.
- Accidents/Deaths: This insurance provides a lump sum payment in case of death, permanent total disability, or specific injuries suffered during the trip. It covers legal expenses for pursuing compensation claims related to death, illness, or injury, the cost of repatriating the remains back home in case of death, and also includes the travel and accommodation expenses for emergency family reunions.
- Others: This category includes coverage for accidents or injuries while participating in certain sports and leisure activities, with options for additional coverage as an optional add-on. It also offers a hijack distress allowance.
By being aware of the travel insurance exclusions, you can be fully informed about the limitations of your coverage. Listed below are the general exclusions are:
- Risky Behaviors and Activities: Injuries or illnesses resulting from illegal activities, dangerous or extreme sports (like base jumping or heli-skiing), and professional sporting events. Participation in such activities can void your coverage for related claims.
- Health and Substance-Related Exclusions: Pre-existing medical conditions, self-inflicted injuries, and any harm caused by being under the influence of alcohol or substance abuse. Additionally, travel insurance does not cover medical trips taken specifically for the treatment of an existing condition, cosmetic or obesity treatments, or complications arising from pregnancy.
- Conflict and Disaster-Related Exclusions: Damages, losses, or injuries incurred due to war, civil unrest, revolution, the use of military power, radioactivity, or exposure to radioactive substances. These situations are considered beyond the control of the insurer and are not covered.
- Non-Covered Expenses: Costs that are not directly related to medical treatment, such as hotel stays or non-prescription drugs, and losses due to leaving your belongings unattended in public spaces. It's crucial to maintain vigilance over your possessions and understand that preventive or non-emergency expenses are generally not covered.
Optional Upgrades for Travel Insurance
To enhance the coverage for your trip, you can add optional riders or add-ons to your insurance policy. Depending on your specific needs and the nature of your trip, you can opt for suitable rider(s) to ensure comprehensive coverage. Here's a list of general add-ons:
- Terrorism Extension: Provides coverage for cancellations, interruptions, or medical expenses due to terrorist activities
- Winter Sports Cover: Offers financial protection for activities like skiing and snowboarding, covering equipment, lift passes, and injuries
- Golf Cover: Covers loss, theft, or damage to golf equipment and non-refundable golf fees if you are unable to play
- Rental Car Excess: Covers the excess amount to be paid in case of theft or damage to a rental car
- Business Cover: Financially protects business equipment, compensates for lost or delayed business equipment, and covers emergency courier expenses
Documents Required for Travel Insurance
When applying for insurance, it's essential to have all the necessary documents ready for a smooth and efficient process. Here's a list of the common documents required:
- Completed application form
- Passport copy
- Visa copy (if applicable)
- Travel itinerary
- Flight tickets
- Proof of accommodation (like hotel bookings)
- Identification proof (such as a national ID card)
- Proof of payment for the trip (receipts, credit card statements, and so on)
- Recent passport-size photographs
- Any other document requested by the insurance provider
Note: This list can vary depending on the insurance company and the type of insurance you're applying for. For this reason, it's always a good idea to check with your specific provider for any additional requirements.
How Does Policybazaar.ae Help You Buy the Right Travel Insurance Online?
When looking for the best insurance plan for travelling online, it's important to choose a platform that offers a seamless process and allows you to compare various top insurance plans.
One such platform is Policybazaar UAE, which simplifies the process of finding and purchasing insurance that suits your travelling needs. When you buy insurance from Policybazaar UAE, you get to enjoy several advantages:
- Convenience: Policybazaar.ae makes it easy to browse and compare different plans from the comfort of your home or office.
- Time-Saving: The platform allows you to quickly compare the features, benefits, and prices of various policies.
- Customisation: With Policybazaar UAE, you can tailor your policy according to your specific travel needs.
- Paperless Process: The entire process — from comparing plans to purchasing your chosen plan is digital. This makes it efficient and environmentally friendly.
- Top Insurance Plans Availability: Policybazaar UAE provides access to a wide range of insurance plans from leading insurance providers. It gives you the opportunity to choose the best and cheap travel insurance options available in the market.
- Customer Support: Excellent customer service is available to help you understand different policies, clarify doubts, and assist you in the claim process, if necessary.
Countries that Require Mandatory Travel Insurance
Although insurance is an optional choice for travellers and tourists generally, there are a few countries that have made it mandatory to have travel itif you want to visit. UAE is one of these countries as well. Following is a complete list of all the countries that require you to have itapart from the UAE :
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Note that the conditions and insurance required for each country are always slightly different. For example, the travel insurance for the Schengen group must be a minimum of €30,000. Make sure that you get familiar with all the terms and condition before you invest in a plan.
Most Travelled Countries
Travel Insurance - FAQs
- General
- Coverage
- Premium
Q1. Why do I need insurance for travellers?
Travel insurance covers you against unexpected events such as medical emergencies, trip cancellations, lost or delayed luggage, and other unforeseen expenses that can occur while traveling.
Q2. When to purchase Travel insurance for travellers?
It's best to buy insurance as soon as you book your trip. This way, you're covered for any pre-trip issues that might cause you to cancel such as illness or a family emergency.
Q3. Can I purchase insurance for travellers after booking?
Yes, you can purchase insurance after booking your trip. However, purchasing early ensures broader coverage, including for pre-trip cancellations.
Q4. Can travel insurance be bought after departure?
While some insurers may allow you to purchase insurance after departure, coverage may be limited, and there could be waiting periods for certain benefits.
Q5. How to get travelling insurance?
You can buy insurance online from Policybazaar UAE. Visit policybazaar.ae, look for the travel insurance option, fill out the lead form, compare the displayed travel insurance policies, and select the most suitable plan.
Q6. How long does Travel insurance for travellers take to process?
The processing time for insurance applications is usually quick, often immediate for policy issuance, but claim processing times vary depending on the insurer and the complexity of the claim.
Q7. Is travel insurance mandatory for UAE?
While it is not mandatory for all visitors to the UAE, is highly recommended. For certain visa types, such as the Schengen visa, proof of insurance is required.
Q1. What does travel insurance not cover?
It typically does not cover pre-existing medical conditions (unless specified), injuries from extreme sports without additional coverage, and losses due to negligence or intentional harm.
Q2. What is covered under travel insurance?
It generally covers medical emergencies, trip cancellations and interruptions, lost or delayed luggage, emergency evacuations, and (sometimes) accidental death or dismemberment.
Q3. Does Travel insurance for travellers cover pre-existing diseases?
Most insurance policies don’t cover pre-existing conditions unless you purchase a specific plan that includes coverage for such conditions.
Q4. Does it cover cancellation?
Yes, usually it covers trip cancellation for reasons like illness, injury, or death of a family member, provided these reasons are listed in the policy.
Q5. Is there a limit on the covered travel days in insurance plans?
Yes, insurance plans have a limit on the number of days covered, which varies by policy. Some may cover trips up to a certain number of days or months.
Q6. Can business travel insurance be extended to include family?
Some business insurance policies allow for the inclusion of family members for an additional cost, providing coverage for both business and leisure travel.
Q7. How does the baggage delay cover work in travel insurance?
Baggage delay coverage reimburses you for the purchase of essential items if your checked luggage is delayed by the airline for a specified period, usually over 12-24 hours.
Q8. Does travel insurance cover theft?
Yes, it usually covers theft of personal belongings, provided you take reasonable care to protect your items and report the theft to the police.
Q1. How much does a travel policy cost?
The cost of a travel policy varies widely based on the trip length, destination, age of the traveller, coverage amount, and type of coverage.
Q2. What is the best travel insurance?
The best insurance depends on your specific needs such as the type of trip, destinations, activities planned, and personal health considerations. Comparing policies and reading reviews can help you identify the best option in your case.
Q3. Can I get a refund on the remaining trip days from my travel insurance plan?
Typically, insurance plans don’t offer refunds for unused portions of a trip. However, some policies may allow for partial refunds under certain conditions.
You May Also Check
| Health Insurance | Car Insurance | Term Insurance | Life Insurance |
Travel Insurers
Nadeem Dubai , September 16, 2024★★★★★Good coverage at a good priceWhat I liked in Policybazaar UAE was how all their Schengen travel insurance plans are very reasonably priced and with excellent coverage as well!!- Salim Dubai , September 16, 2024★★★★★Amazingly comfortable experienceThanks to Policybazaar UAE, I got to purchase travel insurance Dubai online while simply sitting on my sofa and without much calling or documentation!
- Sanjay Dubai , September 16, 2024★★★★★Good ServiceIt is a good experience to buy Schengen travel insurance from Policybazaar UAE I bought a good plan at a low rate
- Khusi Dubai , September 16, 2024★★★★★Feel secure in Schengen visitsIt feels so good to have all comprehensive Schengen travel insurance. All thanks to policybazaar UAE which has so many great plans that cover practically everything you can imagine!
- Nafisa September 16, 2024★★★★★Very quick and amazing servicePolicybazaar UAE made it a matter of some clicks to get a comprehensive all-covering travel insurance in Dubai. Their online service is superb and helped me complete all the processes instantly. Policybazaar UAE is surely my favorite place now for getting travel insurance!
- Javed Dubai , September 16, 2024★★★★★Must visit for travellersSince my last experience with them, I've made it compulsory to visit Policybazaar UAE whenever I need travel insurance. For my last UAE trip, I got a perfect Dubai travel insurance plan covering practically everything I wanted at a very low price.
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