Travel Insurance for Dubai UAE – Top Recommendations

Written and researched by Michael Kays (Travel Insurance Expert) | Fact Checked by Danya Kristen (Insurance Agent).

When planning your dream trip to Dubai, UAE, you want to make sure that you are adequately covered in case of emergency. Travel insurance is the best way to protect yourself and your vacation investments.

With the sheer number of travel insurance providers out there, it can be hard to decide which one is right for you. Here are some top recommendations to ensure you get the best coverage when traveling to Dubai.

Who needs travel insurance for Dubai?

Anyone traveling to Dubai should consider obtaining travel insurance for their trip. This is especially true for those who plan to visit multiple destinations or engage in activities such as swimming, skiing, or other extreme sports.

Travelers should be aware that the United Arab Emirates (UAE) has a healthcare system that is largely private and expensive.

Although there are public hospitals and clinics, they may not be able to provide the level of care you may require if you become ill or injured.

Travel insurance can provide you with coverage for medical expenses, lost luggage, flight cancellations, and other unforeseen problems. It can also provide you with access to a 24/7 hotline for medical emergencies and assistance.

Additionally, depending on the policy you purchase, you may be eligible for repatriation and evacuation services if needed.

Finally, it is important to note that some policies may require you to purchase additional coverage if you plan to engage in activities such as scuba diving, skydiving, or other extreme sports.

In this case, you should carefully read the policy terms and conditions to ensure you have the right coverage for your trip.

Recommended Plans

✅ Atlas America

Up to $2,000,000 of Overall Maximum Coverage, Emergency Medical Evacuation, Medical coverage for eligible expenses related to COVID-19, Trip Interruption & Travel Delay.

✅ Safe Travels Comprehensive

Coverage for in-patient and out-patient medical accidents up to $1 Million, Coverage of acute episodes of pre-existing conditions, Coverage from 5 days to 364 days (about 12 months).

✅ Patriot America Platinum

Up to $8,000,000 limits, Emergency Medical Evacuation, Coinsurance for treatment received in the U.S. (100% within PPO Network), Acute Onset of Pre-Existing Conditions covered.

Is travel insurance mandatory when visiting Dubai?

When planning a trip to Dubai, travelers should consider purchasing travel insurance to protect themselves in the event of any unexpected medical expenses or losses due to theft or cancellation. While travel insurance is not mandatory when visiting Dubai, it is highly recommended.

Travel insurance can provide coverage for a variety of risks while traveling abroad, including medical emergencies, lost or stolen luggage, trip cancellation, and more.

Depending on the type of policy purchased, it may also cover other events such as natural disasters, accidental death and dismemberment, and emergency evacuation.

In the event that a traveler needs medical attention during their stay in Dubai, they may be responsible for covering the costs out of pocket if they don’t have a valid travel insurance policy in place.

Medical care in Dubai can be expensive, so it’s important to consider purchasing a travel insurance policy prior to departure.

If a traveler experiences a loss or theft of their personal belongings while in Dubai, travel insurance can help to cover the costs of replacing those items.

Additionally, if a traveler has to cancel their trip for any reason, such as an unexpected illness or a family emergency, their travel insurance policy may cover the cost of non-refundable expenses such as airline tickets and hotel reservations.

Overall, while travel insurance is not mandatory when visiting Dubai, it is highly recommended. With the right policy in place, travelers can enjoy their stay in Dubai without worrying about financial losses due to unexpected circumstances.

Best Travel Insurance for Dubai

1. Allianz Global Assistance Travel Insurance

Allianz Global Assistance Travel Insurance offers one of the best travel insurance for Dubai due to its comprehensive coverage and wide range of benefits.

The policy provides financial protection against unexpected costs associated with medical emergencies, trip cancellations, lost luggage, and more. It also covers activities like skiing, scuba diving, and other adventurous activities.

Furthermore, Allianz Global Assistance has an excellent customer service team that is available 24/7 to answer any questions or concerns about the policy.

The company also provides access to an extensive network of medical professionals in Dubai, so if you need to visit a doctor or hospital while abroad, Allianz Global Assistance will be there to help.

Finally, the company offers competitive prices, making it one of the most affordable travel insurance options for travelers to Dubai.

2. AIG Travel Guard

AIG Travel Guard offers one of the best travel insurance for Dubai due to its comprehensive coverage and excellent customer service. It provides comprehensive cover for medical expenses, lost or delayed luggage, trip cancellation, travel delay and interruption, 24/7 emergency assistance, and more.

AIG Travel Guard also has a wide range of coverage options, so travelers can choose the plan that best suits their needs.

They offer plans tailored specifically for Dubai travelers, including coverage for medical and dental expenses, emergency evacuation, repatriation of remains, trip interruption, and more.

Additionally, AIG Travel Guard offers a special “Dubai Delights” plan which provides extra benefits and discounts on activities and attractions in Dubai.

The customer service provided by AIG Travel Guard is also top-notch, with knowledgeable agents and a 24/7 hotline in case of an emergency.

They also have a wide network of doctors and hospitals in Dubai, so travelers can be sure they will receive quality care in case of an accident or illness.

Overall, AIG Travel Guard offers one of the best travel insurance for Dubai because of its comprehensive coverage, excellent customer service, and wide range of plans tailored for Dubai travelers.

3. World Nomads

World Nomads offers one of the best travel insurance for Dubai because it is the most comprehensive coverage available. It offers a wide range of coverage options including medical and emergency evacuation, trip cancellation, baggage loss and delay, and more.

World Nomads also provides 24/7 customer service, which is very important when travelling in Dubai.

In addition, World Nomads offers coverage for activities such as skiing, camel racing, and desert safaris. This is especially important for travelers who are planning to participate in these activities while in Dubai.

World Nomads also covers activities of adventure sports like scuba diving, skydiving, and bungee jumping. All of these activities require special coverage in order to be covered properly.

Finally, World Nomads offers competitive pricing that is tailored to fit any budget. They also offer discounts for families and groups, making their policies an even better value.

With all these features combined, World Nomads provides the most comprehensive travel insurance for Dubai that is available.

4. IMG Global

IMG Global offers one of the best travel insurance for Dubai due to its comprehensive coverage, competitive pricing and excellent customer service. The company has been providing travel insurance for over 30 years and is well-versed in the complexities of international travel.

IMG Global’s plans are designed to provide coverage for medical expenses, trip cancellations, lost or stolen luggage, and other common travel risks.

The company’s policies are highly customizable, allowing customers to select the coverage that is best suited to their needs and budget.

For example, IMG Global offers a wide range of coverage options, including basic, comprehensive, and premium plans.

Customers can also choose to add on additional coverages such as adventure sports, terrorism, and accidental death & dismemberment.

In addition to offering competitive rates, IMG Global provides superior customer service. All inquiries are answered quickly and professionally, and the company has a 24/7 customer helpline available for any urgent matters.

Overall, IMG Global offers one of the best travel insurance policies for Dubai, due to its comprehensive coverage, competitive pricing and excellent customer service.

5. AXA Schengen Travel Insurance

AXA Schengen Travel Insurance offers one of the best travel insurance for Dubai because it is designed specifically to meet the needs of travelers to Dubai.

It covers a wide range of travel risks, including medical and personal accident coverage, cancellation protection, lost baggage protection, 24-hour emergency assistance, and legal protection.

AXA’s international network of healthcare providers also ensures that travelers receive the highest level of medical care should an emergency arise.

Moreover, AXA Schengen Travel Insurance is tailored to cover travelers from all nationalities and provides coverage in a variety of languages, making it easy to understand and use. Additionally, the policy is highly flexible and can be customized to fit individual needs and preferences.

For example, travelers can choose to purchase additional coverage for activities such as extreme sports, adventure tours, or skiing.

AXA’s online platform makes it easy to compare, buy, and manage policies, enabling travelers to quickly find the best solution for their trip.

Finally, AXA Schengen Travel Insurance offers competitive prices and is backed by AXA’s commitment to excellent customer service.

The company’s knowledgeable and experienced staff is available 24/7 to provide assistance and answer any questions travelers may have about their policy. With its comprehensive coverage, competitive pricing, and reliable customer service, AXA Schengen Travel Insurance is an ideal choice for travelers to Dubai.

Travel Insurance Cost for Dubai

Travel insurance for a trip to Dubai can vary in cost depending on the type of coverage you are looking for. The cost of travel insurance for a single trip to Dubai will depend on the duration of the trip, the destination, and the coverage you choose.

For example, a basic travel insurance policy for a short trip to Dubai might cost around $50, while a comprehensive policy with higher levels of coverage might cost up to $100 or more.

Higher levels of coverage may include medical and evacuation coverage, which can be especially important for travelers visiting destinations with high medical costs.

The cost of travel insurance for multiple trips to Dubai may also vary depending on the number of trips taken, the duration of each trip, and the coverage is chosen.

For instance, a multi-trip annual policy that covers trips taken within a 12-month period may cost anywhere from $150 to $400 or more.

In addition to the cost of travel insurance, you should also consider other factors such as the type of coverage offered, the exclusions and restrictions of the policy, and the level of customer service provided.

It is important to compare policies from different companies to find the one that best meets your needs.

Finally, it is important to remember that the cost of travel insurance is just one factor to consider when deciding which policy is right for you.

Other factors to consider include the type of coverage offered, the exclusions and restrictions of the policy, and the level of customer service provided.