Travel Insurance for Dubai – Coverages, Benefits, and Procedures

A guide on everything you need to know about buying travel insurance for Dubai.
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3 mins
02 January 2024

Embarking on an overseas journey is an exhilarating experience, and Dubai, with its blend of tradition and modernity, is a prime destination for many. However, alongside the excitement, it is crucial to consider the unforeseen challenges that may arise during your travel. This is where the significance of travel insurance comes to the forefront, acting as a financial safeguard against unexpected adversities. This article helps you explore the importance of travel insurance, its myriad benefits, common inclusions and exclusions, and the seamless process of obtaining coverage online.

Benefits of having travel insurance for Dubai

The necessity of having travel insurance for a trip to Dubai cannot be overstated. Here's why:

Financial security: Travel insurance provides financial protection against unexpected expenses, including medical emergencies, trip cancellations, or lost baggage.

Health coverage: It ensures access to quality healthcare in case of illness or accidents during your stay in Dubai.

Trip cancellation/interruption: Travel plans can be unpredictable. Insurance covers expenses incurred due to trip cancellations or interruptions.

Lost or delayed baggage: Compensation is provided for lost or delayed baggage, ensuring a hassle-free trip.

Emergency evacuation: In the event of a medical emergency, travel insurance covers the cost of emergency evacuations.

Common inclusions of travel insurance

Here are some commonly offered coverages in travel insurance.

Medical expenses: Coverage for medical treatments and hospitalisation expenses.

Trip cancellation/interruption: Reimbursement for non-refundable trip expenses due to unforeseen events.

Emergency medical evacuation: Arrangement and coverage for emergency evacuation to the nearest medical facility.

Baggage loss/delay: Compensation for lost baggage or reimbursement for essentials in case of baggage delay.

Personal accident coverage: Compensation in case of accidental death or permanent disability during the trip.

Common exclusions of travel insurance

Here are some commonly excluded coverages in travel insurance.

Pre-existing conditions: Medical conditions existing before the commencement of the policy are usually excluded.

Adventure sports: Injuries sustained while participating in certain adventure sports might not be covered.

Intoxication: Incidents related to intoxication or substance abuse may be excluded.

Travel against medical advice: Travelling against the advice of a medical practitioner may lead to exclusion.

How to apply for travel insurance online?

Applying for international travel insurance online is easy and convenient. Follow these steps:

Research and compare: Research various travel insurance plans and compare their coverage, benefits, and costs.

Choose a reputable insurer: Opt for a reputed insurance provider with positive customer reviews and a good track record.

Select the right plan: Choose a plan that aligns with your travel needs, considering factors like trip duration and coverage.

Fill the online application form: Complete the online application form, providing accurate details about your trip and personal information.

Pay online: Make the required payment online using secure payment gateways.

Receive the policy document: Once the application is processed, receive the policy document electronically.

Having travel insurance is essential when travelling abroad, especially to a place like Dubai, which is known for its high standard of living. It is important to choose the right travel insurance policy by reading the terms and conditions carefully. With the right policy in place, you can enjoy your trip without worrying about unforeseen events that may arise. So do not forget to get your travel insurance before heading out on your Dubai trip.

Disclaimer

Insurance is the subject matter of solicitation. *T&C Apply - Bajaj Finance Limited (‘BFL’) is a registered corporate agent of third party insurance products of Bajaj Allianz Life Insurance Company Limited, HDFC Life Insurance Company Limited, Future Generali Life Insurance Company Limited, Bajaj Allianz General Insurance Company Limited, SBI General Insurance Company Limited, ACKO General Insurance Limited, ICICI Lombard General Insurance Company Limited, HDFC ERGO General Insurance Company Limited, Tata AIG General Insurance Company Limited, Niva Bupa Health Insurance Company Limited , Aditya Birla Health Insurance Company Limited, Manipal Cigna Health Insurance Company Limited and Care Health Insurance Company Limited under the IRDAI composite CA registration number CA0101. Please note that, BFL does not underwrite the risk or act as an insurer. Your purchase of an insurance product is purely on a voluntary basis after your exercise of an independent due diligence on the suitability, viability of any insurance product. Any decision to purchase insurance product is solely at your own risk and responsibility and BFL shall not be liable for any loss or damage that any person may suffer, whether directly or indirectly. Please refer insurer's website for Policy Wordings. For more details on risk factors, terms and conditions and exclusions please read the product sales brochure carefully before concluding a sale. Tax benefits applicable if any, will be as per the prevailing tax laws. Tax laws are subject to change. BFL does NOT provide Tax/Investment advisory services. Please consult your advisors before proceeding to purchase an insurance product. Visitors are hereby informed that their information submitted on the website may also be shared with insurers. BFL is also a distributor of other third party products from Assistance Services providers such as CPP Assistance Services Pvt. Ltd., Bajaj Finserv Health Ltd. etc. All product information such as premium, benefits, exclusions, sum insured, value added services, etc. are authentic and solely based on the information received from the respective insurance company or the respective Assistance service provider company.

Note – While we have made all efforts and taken utmost care in gathering precise information about the products, features, benefits, etc. However, BFL cannot be held liable for any direct or indirect damage/loss. We request our customers to conduct their research about these products and refer to the respective product’s sales brochures before concluding their sale.