Steps in Applying for UAE Travel Insurance

If you are planning a trip to the Middle East, you should include purchasing UAE Travel Insurance in your plan. There are several things to put in mind when choosing a travel insurance policy, which this article will let you understand.

UAE Travel Insurance is one of the requirements for any foreign national who wants to get a visa for the United Arab Emirates. As healthcare is very costly in UAE, buying this type of insurance covers your medical bills. Various travel insurance policies are available to foreigners visiting the UAE Emirates. Hence, you have to make comparisons before buying any of them. A good travel insurance policy covers its holder in case of many risks associated with their trip to UAE, including medical emergencies and loss of possessions.

This article will walk you through how to get UAE Travel Insurance from any country.

Reasons to Buy UAE Travel Insurance

The following are reasons to consider getting travel insurance for the United Arab Emirates.

  • It is among UAE visa requirements.
  • UAE travel insurance reimburses travelers when they sustain injuries or lose any of their possessions while on an adventure.
  • It protects a traveler against loss while on a visit to UAE.

Who needs UAE Travel Insurance?

UAE Travel Insurance is a type of insurance that reimburses its bearer against health issues and certain unexpected situations while in the United Arab Emirates.

To qualify for a UAE visa, you must obtain travel insurance, as its one of the documents required to process applications at diplomatic missions. However, you do not need this type of insurance if you are eligible for UAE Visa on Arrival or visa-exempt for the country.

Exemptions for UAE Travel Insurance

If you fit into one of the following categories, you do not need to buy travel insurance for the United Arab Emirates or get a visa to enter the country.

#1. Mexican citizens can travel visa-free to UAE, even without travel insurance, for 180 days.

#2. Foreign nationals from these countries do not need a visa or travel insurance for a stay not longer than 90 days.

  • European Union Member Countries (except the UK and Ireland)
  • Saint Vincent and the Grenadines
  • Costa Rica
  • Argentina
  • Paraguay
  • El Salvador
  • Switzerland
  • Montenegro
  • Brazil
  • Uruguay
  • Seychelles
  • Liechtenstein
  • Russia
  • Norway
  • Barbados
  • Honduras
  • Serbia
  • The Bahamas
  • Nauru
  • South Korea
  • Chile
  • Iceland
  • The Maldives
  • The Solomon Islands

#3. Nationals of the countries noted hereafter can visit UAE without a visa and travel insurance for up to 30 days.

  • The United States of America
  • Ireland
  • Vatican City State
  • Hong Kong
  • Andorra
  • Mongolia
  • Ukraine
  • Macau
  • Brunei
  • Singapore
  • New Zealand
  • Australia
  • Monaco
  • Kazakhstan
  • The United Kingdom
  • China
  • Mauritius
  • San Marino
  • Japan
  • Canada
  • Malaysia

#4. You can exempt yourself from UAE’s visa and travel insurance requirements with a valid identity document or passport of any of the countries listed below.

  • Kuwait
  • Saudi Arabia
  • Bahrain
  • Oman

#5. Foreigners who hold a service or diplomatic passport of one of these countries can tour the United Arab Emirates without a visa, get a visa on arrival, and do not need to buy travel insurance.

  • Equatorial Guinea
  • Rwanda
  • Albania
  • Vanuatu
  • Indonesia
  • Tunisia
  • Cuba
  • Belarus
  • Grenada
  • Turkmenistan
  • Georgia
  • Azerbaijan
  • Serbia
  • India
  • Egypt
  • Liberia
  • Congo
  • Saint Lucia
  • Algeria
  • Turkey
  • Colombia
  • Vietnam
  • Armenia
  • Morocco
  • Tonga

(Applicable only to diplomatic passport holders of the following countries.)

  • The Democratic Republic of Congo
  • Kyrgyzstan
  • Guinea
  • Burkina Faso
  • Ethiopia
  • Chad
  • Niger
  • Jordan
  • Senegal
  • Burundi
  • Uzbekistan
  • Mali

What Coverage should your UAE Travel Insurance Offer?

A travel insurance policy for the United Arab Emirates must compensate its holder in the following cases.

  • Loss of possessions, such as your mobile phone, laptop, or digital camera
  • Medical emergencies, including ambulance fees, doctor’s visits, major surgeries, and medications
  • Non-refundable payments following the cancellation of your trip to UAE, such as the cost of hotel reservations, flights, etc.
  • Medical evacuation or repatriation, which includes the cost of transporting you back to your country of origin)

Remember that you can also make your travel insurance to provide more coverage. These include costly items like your designer clothes and jewelry, sporting and fun activities you engage in, and an indemnity due to terrorist acts. In addition, if you gave rise to someone else’s injury or belongings damage, the insurance will partly provide reimbursements for all losses.

Activities Covered by UAE Travel Insurance

A Basic travel insurance policy for the United Arab Emirates covers its holder when they engage in wide-ranging activities, especially low-risk ones. However, it may not indemnify a traveler for high-risk activities like skiing, scuba diving, and skydiving.

Supposing that you wish to do any of these high-risk activities, you can also inquire from your travel insurance provider if the policy can cover them. However, you will pay more fees, which can be high because of your travel insurance’s indemnity for such activities.

What does UAE Travel Insurance not Cover?

No travel insurance policy for the United Arab Emirates covers its bearer under any of the following instances.

These include if:-

  • You had an accident or sustained an injury due to your carelessness or intoxication.
  • Your negligence was the reason why you damaged or lost your possessions.
  • You have a pre-existing ailment.
  • The unfortunate mishap occurred while doing a high-risk activity not covered in your insurance policy.
  • You did not take your flight for a reason not known in your travel insurance policy.

Steps in Applying for UAE Travel Insurance

Here are the steps involved in buying travel insurance for the United Arab Emirates.

Step 1: Choose one of the many UAE Travel Insurance companies available.

To get travel insurance for the United Arab Emirates, you must first decide on where you want to purchase your travel insurance.

Step 2: Opt for an appropriate travel insurance policy.

This step requires you to compare travel insurance policies for the United Arab Emirates and then opt for the one with the best policies.

Step 3: Fill out the application form.

Next, you must complete the UAE Travel Insurance company’s application form based on your personal information, travel dates, and chosen policy.

Step 4: Pay your insurance premium

At this time, you are required to make payment for your travel insurance fee.

Step 5: Obtain your travel insurance certificate

Finally, you must collect your travel insurance certificate from the insurance company or provider. You may be able to print it from your email.

UAE Travel Insurance Cost

The cost of getting travel insurance coverage for the United Arab Emirates ranges from 4% to 10% of your trip cost. However, this varies depending on your age, trip duration, number of people covered, insurance policies, and the time you are buying the insurance.

Where to Get UAE Travel Insurance

There are a few ways to get travel insurance for the United Arab Emirates. You can get in over the internet, in person through an airline company, or by reaching out to any travel insurance companies in your home country.

Besides, you can buy it through third-party UAE Travel Insurance providers, such as Insubuy.

What to Consider ahead of Buying UAE Travel Insurance

Before buying travel insurance for the United Arab Emirates, you have to consider each of the following factors.

  • You should buy your travel insurance even ahead of completing the visa application form for the United Arab Emirates. Of course, this will help you strengthen your claims in case the unexpected happens.
  • Make sure you compare travel insurance policies before choosing the one to buy.
  • Carefully read the travel insurance policies and ensure you understand the amount of coverage offered.

READ ALSO: What To Consider When Planning to Visit UAE.

Frequently Asked Questions (FAQs)

Is travel insurance mandatory for UAE Tourist Visas?

Of course, UAE Travel Insurance is mandatory for all foreigners who want to apply for a tourist visa to the country.

Does Dubai require travel insurance?

Yes, Dubai demands travel insurance from each foreigner who wishes to visit the city. In addition, travel insurance is requisite in getting a visa to enter UAE.

Which travel insurance is best for Dubai from India?

Union Insurance Company offers the best travel insurance policy for foreign nationals who want to visit Dubai from India.

Can I buy UAE Travel Insurance online?

Yes, you can buy Travel Insurance through the internet for coverage in the United Arab Emirates.

What is the best travel insurance for UAE?

Allianz is renowned as the best travel insurance company for the United Arab Emirates.

Conclusion

We have proven the importance and benefits of buying travel insurance for the United Arab Emirates. Not only will the holders of UAE Travel Insurance get protection against several circumstances, but it will also set your mind at ease since you are covered.

If you seek our team’s further guidance, you can fill out the Work Study Visa inquiry and request form.

Thanks for reading!

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