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Travel Insurance for UAE
The United Arab Emirates (UAE), a fusion of modernity and tradition, beckons travellers with its gleaming skyscrapers, pristine beaches, and rich cultural heritage. As you plan your UAE visit, securing travel insurance becomes pivotal for a hassle-free journey. Travel insurance for UAE visit visa is essential, providing coverage for medical emergencies, trip cancellations, and baggage loss, ensuring peace of mind during your stay.
In this dynamic landscape, selecting the best travel insurance in UAE demands attention to coverage breadth, competitive premiums, and prompt claim settlements. Understanding policy specifics, such as medical coverage limits and additional benefits, empowers travellers to choose an insurance plan that aligns with their requirements.
Prioritising international travel insurance for a UAE visit safeguards against unforeseen circumstances, allowing you to savour the enchanting experiences this vibrant nation has to offer.
Key Features of Travel Insurance UAE
| Key features | Details |
| Extensive coverage | Covers against medical, journey and baggage-related issues. |
| Cashless benefits | Offers cashless benefits through multiple network hospitals. |
| COVID-19 coverage | Covers COVID-19-related hospitalisation. |
| 24x7 customer support | Around-the-clock prompt customer support. |
| Quick claim settlements | Dedicated claims approval team for faster claim settlements. |
| Wide coverage amount | Overall coverage amounts from $40K to $1000K. |
Types of Travel Insurance for UAE
You can choose from the different types of travel insurance for UAE in accordance with your trip requirements. The main options are;
Travel Plans for Individual
For the solo wanderers and thrillseekersThis type of policy protects solo travellers from contingencies that they might face during their travel. The HDFC ERGO individual UAE travel insurance is packed with plenty of features and benefits to keep travellers financially covered in case of both medical and non-medical emergencies.
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Travel plan for Families
For families travelling togetherWhen going on a foreign trip with your family, you have to consider a lot of factors for their safety and well-being. The UAE travel insurance for families offers coverage to multiple members of the family under a single plan during their travel.
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Travel plan for Students
For individuals accomplishing their dreamsThis type of plan is for students visiting UAE for study/education-related purposes. It will keep you secure against a variety of contingencies, including stay-related coverage like bail bonds, compassionate visits, sponsor protection, etc., so you can focus on your studies during your abroad stay.
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Travel plan for Frequent Fliers
For the ones flying frequentlyThis type of plan is designed for frequent flyers, offering coverage for multiple trips under one comprehensive policy. With the HDFC ERGO frequent flyer travel insurance, you won't have to worry about buying travel insurance for every trip within the specified policy timeframe.
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Travel Plan for Senior Citizens
For the ones who are forever youngThis type of plan is specially designed to offer coverage to senior citizens against a variety of complications that may happen on an international trip. The HDFC ERGO senior citizen travel insurance for UAE will ensure you stay covered in case of medical and non-medical uncertainties during the trip.
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Benefits of Buying Travel Insurance UAE
The following are the benefits of acquiring a travel insurance UAE plan:
1
Trip Cancellation
Protect your expenses if unforeseen events force you to cancel or delay your journey.
2
Coverage for Personal Liability
Shield against third-party claims or damages incurred during your travel.
3
Medical Coverage
Secure assistance for unexpected illnesses or injuries during your UAE trip, easing financial burdens.
4
Emergency Assistance
Access 24/7 support for emergencies, including medical evacuation, ensuring prompt aid.
5
Baggage Protection
Reimbursement for lost, stolen, or damaged luggage ensures a worry-free travel experience.
6
Additional Benefits
Enjoy added perks like flight delay compensation and coverage for adventure activities, enhancing your travel security.
What's Covered under Travel Insurance for UAE from India
Here are some of the things that are usually covered under travel insurance for UAE from India;
Emergency Medical Expenses
This benefit covers hospitalization, room rent, OPD treatment, and Road Ambulance costs. It also reimburses expenses incurred on Emergency Medical Evacuation, Medical Repatriation and Repatriation of mortal remains.
Dental Expenses
We believe dental healthcare is just as important as hospitalization due to physical illness or injury; hence, we cover dental expenses which can occur during your travel. Subject to policy terms and conditions.
Personal Accident
We believe in seeing you through thick and thin. In the event of an accident, while traveling abroad, our insurance plan provides a lump sum payment to your family to assist with any financial burdens caused by permanent disablement or accidental death.
Personal Accident : Common Carrier
We believe in being by your side through ups and downs. So, under unfortunate circumstances, we will provide a lump sum payout in case of accidental death or permanent disablement arising out of an Injury whilst on a Common Carrier.
Hospital cash - accident & illness
If a person is hospitalized due to injury or illness, we will pay the per day Sum Insured for each complete day of hospitalization, up to the maximum number of days stated in the Policy Schedule.
Flight Delay & Cancellation
Flight delays or cancellations may be beyond our control, but worry not, our reimbursement feature allows you to meet any essential expenses arising from the setback.
Trip Delay & Cancellation
In case of a trip delay or cancellation, we will refund the non-refundable portion of your pre-booked accommodation and activities. Subject to policy terms and wordings.
Loss of Passport & International driving license
Losing important documents can leave you stranded in a foreign land. So, we will reimburse expenses related to obtaining a new or duplicate passport and/or international driving license.
Trip Curtailment
Don't worry if you have to cut your trip short due to unforeseen circumstances. We'll reimburse you for your non-refundable accommodation and pre-booked activities as per the policy schedule.
Personal Liability
If you ever find yourself liable for third-party damage in a foreign land, our travel insurance helps you compensate for those damages effortlessly. Subject to policy terms and conditions.
Emergency Hotel Accommodation for Insured Person
Medical emergencies may mean you need to extend your hotel booking by a few days more. Worried about the added expense? Let us take care of it while you recover.subject to policy terms and conditions
Missed Flight Connection
Don't worry about unexpected expenses due to missed flight connections; we will reimburse you for the expenses incurred on accommodation and alternate flight booking to reach your destination.
Hijack Distress Allowance
Flight hijacks can be a distressing experience. And while the authorities help sort out the issue, we'll do our bit and compensate you for the distress it causes.
Emergency Cash Assistance Service
When traveling, theft or robbery can lead to a cash crunch. But don't worry; HDFC ERGO can facilitate fund transfers from the insured 's family in India. Subject to policy terms and conditions.
Loss Of Checked-In Baggage
Lost your checked-in baggage? Don't worry; we'll compensate you for the loss, so you don't have to go without your essentials and vacation basics. Subject to policy terms and conditions.
Delay of Checked-In Baggage
Waiting is never fun. If your luggage gets delayed, we'll reimburse you for essentials like clothing, toiletries and medication so you can start your vacation worry-free.
Theft of baggage and its contents
Theft of baggage can derail your trip. So, to ensure your trip stays on track, we'll reimburse you in case of baggage theft. Subject to policy terms and conditions.
The above mentioned coverage may not be available in some of our Travel plans. Please read the policy wordings, brochure and prospectus to know more about our travel insurance plan.
What's Not Covered Under Travel Insurance for UAE from India
Your travel insurance for UAE from India policy may not offer coverage for;
Breach of Law
Sickness or health issues caused due to war or a breach of the law is not covered by the plan.
Consumption of Intoxicant substances
If you consume any intoxicants or banned substances, the policy shall not entertain any claims.
Pre existing diseases
If you suffer from any illness before the travel you’ve insured and if you undergo any treatment for an illness that already exists, the policy does not cover expenses related to these incidents.
Cosmetic and Obesity Treatment
Should you or any member of your family opt to undergo any cosmetic or obesity treatment during the course of the travel you’ve insured, such expenses remain uncovered.
Self Inflicted Injury
Any hospitalization expenses or medical costs arising from self-inflicted injuries are not covered by the insurance plans we offer.
How To Buy Travel Insurance Policy For UAE Online?
• Click here link, or visit the HDFC ERGO travel insurance webpage to BUY our policy.
• Enter traveler details, destination information, and trip start and end dates.
• Choose your preferred plan from our three tailored options.
• Provide your personal details.
• Fill in additional details about the travelers and proceed to pay using online payment methods.
• All that's left to do is- download your policy instantly!
Don’t let medical emergencies abroad drain a hole in your travel budget. Keep yourself financially covered against emergency medical and dental expenses with travel insurance.
Interesting Facts About UAE
Here are some interesting facts you can't miss out on when travelling to the UAE.
| Categories | Specification |
| Man-made Island | The Palm Jumeirah, an iconic artificial archipelago, showcases luxury resorts and residential properties. |
| Tallest Building | Burj Khalifa stands at a towering 828 meters, reigning as the world's tallest structure. |
| Year-round Sunshine | Enjoy near-perpetual sunshine throughout the year, making it an ideal destination for sun-seekers. |
| Cultural Diversity | UAE boasts a diverse populace with over 200 nationalities coexisting harmoniously. |
| Police Fleet | Dubai's police fleet includes luxurious cars like Lamborghini and Ferraris, blending style with law enforcement. |
| Zero Income Tax | Residents relish the benefit of zero income tax, contributing to the nation's appeal for expatriates. |
Documents Required For The UAE Tourist Visa
In order for you to travel to the UAE, you need a tourist visa. The following are the documents required for your UAE Tourist visa:
• You will need a valid passport (at least 6 months' validity).
• A completed and signed Dubai visa application.
• Passport-sized photos.
• A copy of your tour ticket.
• A Detailed itinerary of your stay
• Comprehensive cover letter outlining your itinerary.
• Proof of hotel and flight bookings.
• Address verification.
• Sponsor's letter if hosted by a friend/relative in Dubai.
• Bank statement (last 6 months) proving adequate finances.
Best Time To Visit UAE
The optimal time to visit the UAE depends on personal preferences and desired experiences. However, considering the climate, the best time typically falls between November and March. These months offer milder temperatures, making outdoor activities and exploration more enjoyable.
During this period, daytime temperatures average around 25-30°C (77-86°F), fostering ideal conditions for exploring iconic landmarks, indulging in desert safaris, and enjoying outdoor adventures. Moreover, this timeframe aligns with numerous cultural festivals, including the Dubai Shopping Festival and Abu Dhabi Festival, enhancing the visitor experience.
However, for travellers seeking discounted rates on accommodations and fewer crowds, the shoulder seasons of April-May and September-October could be favourable. Yet, be prepared for hotter temperatures during these times, ranging from 30-40°C (86-104°F).
Summer, from June to August, steers toward scorching temperatures, often surpassing 40°C (104°F). While this time offers great deals on hotels, outdoor activities might be limited due to the extreme heat.
Ultimately, the best time to visit the UAE balances weather preferences, budget considerations, and preferred activities, ensuring a memorable and comfortable experience.
To know more about the best time, climate, temperature and other factors before visiting UAE. Read our blog on Best time to visit UAE.
UAE Safety And Precautionary Measures To Be Undertaken
When travelling in the UAE, there are some safety precautions to be kept in mind, to have a better experience and enjoy to the full extent. Here are some to keep in mind:
• Understand and adhere to local customs, dress codes, and social norms to show respect. During Ramadan, respect fasting hours; avoid eating, drinking, or smoking in public areas during daylight hours out of consideration for those observing the fast.
• Respect falcons, a symbol of heritage; avoid approaching or disturbing them without proper guidance.
• Stay hydrated and avoid prolonged exposure to the sun during hot months; use sunscreen and appropriate clothing.
• During sandstorms, protect your eyes with goggles and cover your nose and mouth with a mask or cloth to prevent inhalation of dust.
• Stay updated on current health guidelines, including mask-wearing and vaccination requirements, as regulations may change.
• Be mindful of public displays of affection, as it may be considered offensive in certain areas.
• Respect boundaries around military zones and restricted areas, following local regulations.
• Keep emergency numbers handy and be aware of the nearest medical facilities or embassies for assistance.
• Avoid mishandling or disrespecting currency, as it bears images of the country's leaders and should be treated with reverence.
List of International Airports in UAE
Here are the International Airports of UAE:
| City | Airport Name |
| Abu Dhabi | Abu Dhabi International Airport (AUH) |
| Dubai | Dubai International Airport (DXB) |
| Sharjah | Sharjah International Airport (SHJ) |
| Dubai World Central | Al Maktoum International Airport (DWC) |
| Ras Al Khaimah | Ras Al Khaimah International Airport (RKT) |
Popular Destinations in UAE
Here are some of the must visit destinations around the UAE:
1
Dubai
Dubai, an epitome of modernity, showcases architectural marvels like the Burj Khalifa, the world's tallest building. Visitors can explore the historic Al Fahidi neighbourhood, cruise along the Dubai Creek, or indulge in luxury shopping at the Dubai Mall. The city's vibrant nightlife, desert safaris, and the iconic Palm Jumeirah make it a traveler's paradise. Don't miss out on the adventurous dune-bashing experiences.
2
Sharjah
Sharjah, renowned for its cultural heritage, houses multiple museums like the Sharjah Art Museum and the Sharjah Museum of Islamic Civilisation. The Sharjah Arts Area is a haven for art enthusiasts, showcasing local and international works. Explore the Sharjah Heritage Area to delve into Emirati history and traditions.
3
Abu Dhabi
The capital, Abu Dhabi, boasts cultural landmarks such as the Sheikh Zayed Grand Mosque and the opulent Emirates Palace. Yas Island offers thrilling attractions like Ferrari World and Yas Waterworld. The Corniche promenade presents stunning views of the coastline. Visit the Louvre Abu Dhabi to admire its diverse art collection. The city perfectly blends tradition and modernity.
4
Ajman
Ajman, a tranquil emirate, boasts beautiful white-sand beaches and a serene coastline. The Ajman Museum offers insights into the region's past, while Ajman Dhow Yard showcases traditional boat-building techniques. Visitors can relax at Ajman Corniche or explore the vibrant local markets for authentic Emirati experiences.
5
Ras Al Khaimah
Ras Al Khaimah entices adventure seekers with its Jebel Jais mountain range, home to the world's longest zipline. The Dhayah Fort presents panoramic views of the city. Visitors can relax at Al Hamra Beach or explore Khatt Springs to unwind in natural hot springs amidst stunning surroundings.
6
Fujairah
Fujairah, known for its stunning natural beauty, offers a rugged mountain landscape alongside pristine beaches. The Fujairah Fort stands as a testament to the region's history. Travellers can explore the Al Badiyah Mosque, the oldest mosque in the UAE, and indulge in water sports at the beaches of Dibba and Khor Fakkan.
Before exploring these captivating cities, ensure to secure travel insurance for UAE visit visas, offering comprehensive coverage for a worry-free and enjoyable trip. Many reputable insurers provide UAE travel insurance online, making it convenient for travellers, including those from India, to find the best travel insurance in UAE.
Things To Do In UAE
When travelling through UAE, the adventures offered to you is endless, here are some things to do while you're there:
• Visit Sheikh Zayed Grand Mosque: Marvel at Abu Dhabi's architectural gem, showcasing intricate Islamic designs and exquisite craftsmanship.
• Desert Safari: Experience thrilling dune bashing, camel rides, and desert camps, immersing in Bedouin culture. The UAE's vast deserts offer an adventurous escape.
• Dubai Marina Cruise: Sail through the stunning Dubai Marina, witnessing skyscrapers illuminated against the night sky.
• Yas Island Theme Parks: Indulge in adrenaline-pumping experiences at Ferrari World and aquatic adventures at Yas Waterworld.
• Shop at Souks: Explore traditional markets like the Gold and Spice Souks, offering a glimpse into the region's trading heritage.
• Louvre Abu Dhabi: Explore art and culture at this architectural masterpiece, housing diverse exhibits from around the world.
• Dhow Cruises: Sail along Dubai Creek or Abu Dhabi's coastline on a traditional dhow, soaking in stunning views and enjoying a cultural experience.
• Jebel Jais Zipline: Conquer the world's longest zipline in Ras Al Khaimah, soaring amidst the rugged Hajar Mountains.
• Beach Activities: Relax on the pristine beaches of Ajman, Sharjah, or Fujairah, offering opportunities for water sports and serene sunsets.
• Hiking at Hajar Mountains: Fujairah's rugged terrain invites hiking enthusiasts to explore its scenic trails.
Money Saving Tips
When visiting a destination like the UAE, saving money is important to explore all the best places while you're there.
Here are some money tips for you to consider when you visit the UAE:
• Consider staying in budget-friendly accommodations like hostels or guesthouses, especially in areas like Deira in Dubai or affordable hotels in Sharjah.
• Plan your trip to the UAE during shoulder seasons or off-peak months (May to August) to find better deals on accommodation and activities.
• Opt for Nol Cards in Dubai or Hafilat Cards in Abu Dhabi for discounted fares on public transport, including metro, buses, and trams.
• Discover free attractions like the Dubai Fountain Show, and Jumeirah Beach Corniche, or explore historic areas like Bastakiya in Dubai.
• Use Entertainer Vouchers: Utilise the Entertainer app offering 'Buy One Get One Free' deals on dining, entertainment, and attractions.
• Explore local markets and small eateries offering authentic Emirati cuisine at more reasonable prices compared to high-end restaurants.
• Take advantage of mega shopping festivals like Dubai Shopping Festival and Abu Dhabi Summer Season for discounts on a wide range of products.
• Carry your water bottle and snacks while touring to avoid spending on expensive beverages and food at tourist spots.
• Secure tickets for attractions, tours, and activities online in advance to benefit from early bird discounts.
• Before your trip, compare and choose the best travel insurance for UAE from India or other countries, ensuring coverage tailored to your needs at competitive rates. Exploring options for UAE travel insurance online helps secure comprehensive protection against unforeseen situations, saving you from unexpected expenses.
List of Well-Known Indian Restaurants in UAE
Here are some of the most well-known Indian Restaurants in UAE to fulfil your cravings:
• Indigo by Vineet
Address: Beach Rotana, Abu Dhabi.
Must-try dishes: Butter Chicken
• Rang Mahal - Bangkok
Address: Rembrandt Hotel, 19 Sukhumvit Soi 18, Bangkok
Must-try dishes: Butter Chicken
• Rangoli
Address: Yas Island, Abu Dhabi.
Must-try dishes: Biryani.
• Kamat Restaurant
Address: Opposite BurJuman Centre, Dubai.
Must-try dishes: Masala Dosa.
• Gharana
Address: Holiday Inn, Al Barsha, Dubai.
Must-try dishes: Paneer Tikka.
• Chappan Bhog
Address: Opposite Karama Park, Dubai.
Must-try dishes: Thali Meals.
• Little India Restaurant & Café
Address: Al Nakheel Road, Ras Al Khaimah.
Must-try dishes: Chicken Tikka Masala.
• Pind Da Dhaba
Address: Sheikh Zayed Road, Dubai.
Must-try dishes: Dal Makhani.
• Bombay Chowpatty
Address: Al Rigga Road, Dubai.
Must-try dishes: Pav Bhaji.
• Saravanaa Bhavan
Address: Al Karama, Dubai.
Must-try dishes: Mini Tiffin.
• Kulcha King
Address: Multiple branches in Dubai and Sharjah.
Must-try dishes: Amritsari Kulcha.
Local Law And Etiquette In UAE
When in the UAE, keep these local laws and etiquette in mind while travelling:
• Emirati culture values modesty; dress modestly in public places, especially during religious site visits.
• Public displays of affection are frowned upon, maintain discretion in public.
• Drinking in public is illegal, and confined to licensed venues like hotels and bars.
• During Ramadan, refrain from eating, drinking, or smoking in public places during daylight hours.
• Avoid taking photos of individuals without permission, especially women and government buildings.
• Be mindful of Friday prayer timings; some businesses may close temporarily during this time.
• UAE laws demand respect for authority; and follow instructions from police or government officials.
• Strict anti-drug laws; possession or trafficking of drugs can lead to severe penalties, including imprisonment or deportation
• Use the right hand for greetings or when accepting gifts, as the left hand is considered impure in Emirati culture.
Indian Embassies in UAE
Here are all the UAE-based Indian Embassy, to keep in mind when you're travelling through UAE:
| UAE-based Indian Embassy | Working Hours | Address |
| Consulate General of India, Abu Dhabi | Sun-Thu: 8:30 AM - 5:30 PM | Plot No. 10, Sector W-59/02, Diplomatic Area, Abu Dhabi |
| Consulate General of India, Dubai | Sun-Thu: 8 AM - 4:30 PM | Al Hamriya, Diplomatic Enclave, Dubai |
| Consulate General of India, Sharjah | Sun-Thu: 9 AM - 5 PM | Al Taawun Area, Sharjah |
| Consulate General of India, Dubai (Passport and Visa Services Section) | Sun-Thu: 8 AM - 1 PM (Visa Services); 3 PM - 5 PM (Passport Services) | Al Hamriya, Diplomatic Enclave, Dubai |
International Travel Insurance for Most Visited Countries
Take your pick from the options below, so you can be better prepared for your trip to a foreign country
List Of Countries Where Travel Insurance Is Mandatory
Schengen countries
- France
- Spain
- Belgium
- Austria
- Italy
- Sweden
- Lithuania
- Germany
- the Netherlands
- Poland
- Finland
- Norway
- Malta
- Portugal
- Switzerland
- Estonia
- Denmark
- Greece
- Iceland
- Slovakia
- Czechia
- Hungary
- Latvia
- Slovenia
- Liechtenstein and Luxembourg
Other countries
- Cuba
- Ecuador
- Iran
- Turkey
- Morocco
- Thailand
- UAE
- Togo
- Algeria
- Romania
- Croatia
- Moldova
- Georgia
- Aruba
- Cambodia
- Lebanon
- Seychelles
- Antarctica
Source: VisaGuide.World
International travel insurance makes flight delays, loss of baggage and other journey-related inconveniences less bothersome.
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Frequently Asked Questions
1. Is Travel Insurance Necessary for UAE?
Yes, travel insurance for UAE visit visas is advisable. It provides coverage for medical emergencies, trip cancellations, and other unforeseen situations during your stay.
2. Do I Need a Visa to Visit the UAE?
Yes, most nationalities require a visa. Check the UAE government's website or consult the consulate for visa requirements based on your nationality and the purpose of your visit.
3. Are Credit Cards Widely Accepted in the UAE?
Yes, major credit cards like Visa and Mastercard are widely accepted in most establishments, but it's also good to carry some cash for smaller vendors or local markets.
4. How Safe Is the UAE for Solo Travelers?
Generally, the UAE is considered safe for solo travellers, but like any destination, it's wise to remain cautious and aware of your surroundings, especially at night.
5. What Are Some Unique Souvenirs to Buy in the UAE?
Consider purchasing traditional items like Arabian perfumes, Arabic coffee sets, intricate handicrafts, or locally made dates and sweets as unique souvenirs to remember your trip.
6. What Are Some Local Delicacies to Try in the UAE?
Explore Emirati cuisine by trying dishes like Machboos (spiced rice with meat), Luqaimat (sweet dumplings), or Shawarma (grilled meat in pita bread), among others.
7. Are There Any Health Precautions I Should Consider?
While the UAE maintains high health standards, ensure you have comprehensive travel insurance for UAE visit visas to cover any unexpected medical expenses. Additionally, drink bottled water and be cautious about food hygiene.
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