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A Guide to Inclusions and Exclusions for Dubai Travel Insurance

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Are you planning to visit Dubai? You need to first buy travel insurance online to get your visa. Travel insurance is mandatory for all Indian tourists to obtain their visa. However, the terms and conditions of each visa vary significantly.

You must understand what is covered and what is not covered in Dubai travel insurance. The inclusions and exclusions can bring a considerable change, especially in helping you make the right choice. Moreover, it can also help you get a brief clarity on how financially protected you will be in case of any medical emergency in Dubai.

What’s Covered and Not Covered in Dubai Travel?

Before travelling to the UAE, you will have to purchase travel insurance online. However, you must also have a comprehensive idea of what is covered in Dubai travel insurance and what is not. This can help you get a thorough idea about the coverage.

Below are all the things covered within your travel insurance:

1. Medical-related Coverage

The overseas travel insurance offers medical-related coverage like emergency treatment, hospitalisation, and more. Below are the common medical-related coverage by the insurance:

• Dental:

The dental treatments will be covered by your insurance policy, subject to the policy terms and conditions.

• Medical evacuation:

In case of a medical emergency that requires transfer by land and air, medical evacuation services will be covered. The insurance company will cover medical expenses.

• Hospital cash allowance:

The Dubai travel insurance company will provide a hospital cash allowance. This is valid for hospital expenses, so you don't exceed your travel budget.

2. Journey-related Coverage

Regarding what is covered in Dubai travel insurance for journeys, you'll have to get a thorough understanding. Below are the coverages provided for the journey:

• Financial emergency:

If you are stuck in Dubai due to any financial crunch, you can reach out to the company for travel insurance for UAE. The company can arrange the money from your family and send it to you.

• Flight delays:

Reimbursement will be provided by your insurance company in case of flight delays. Therefore, you can make the essential purchases for the delay.

• Hotel accommodation:

If you ever need to extend your stay in Dubai due to any medical emergency, you can opt for hotel accommodation. Your travel insurance will cover the additional expenses for hotel accommodation.

3. Baggage-related Coverage

Baggage-related coverage will include financial compensation for damage, loss, delay in arrival and so on. Below are all the baggage-related coverage provided by the travel insurance for the UAE:

• Baggage delays:

If your checked-in baggage gets delayed, financial compensation will be provided by the insurance company.

• Loss of checked-in baggage:

Due to some travel mishaps, checked-in baggage can often get lost. The Dubai travel insurance company will provide financial compensation to help you purchase the basics.

• Baggage and documents loss:

If any of your personal items were lost or replaced, the insurance company will provide financial coverage.

Now that you know what's covered, you must learn what is not covered in Dubai travel insurance. The exclusions include the following:

1. You must not break any law that leads to health complications.

2. The overseas travel insurance will not cover any health issue or injury caused by you being under the influence of drugs or alcohol.

3. The travel insurance plan will not cover any expenses if you receive treatment for a pre-existing condition or medical condition.

4. The insurance doesn't compensate for any health conditions or injuries sustained due to war or terrorism.

5. Usually, the travel insurance for UAE does not cover adventure sports. If you sustain any injury due to adventure sports or hazardous activities, no financial coverage will be given.

6. If you are visiting a foreign country to receive any type of cosmetic or obesity treatment, no expenses will be covered.

7. You will not get medical coverage for self-inflicted injury or injury due to any suicide attempts.

You can learn more about the importance of travel insurance for Dubai in our blog Do You Need Travel Insurance for Dubai?

FAQs

1. What does travel insurance for Dubai cover?

The overseas travel insurance for Dubai covers medical emergencies, hospitalisation cash, dental treatment, document loss, baggage loss and more. With the insurance, you can get sufficient financial coverage.

2. What is not covered under Dubai travel insurance?

If you've been in any accident or injured because you were under the influence of drugs and alcohol, it will not be covered by your Dubai travel insurance. It is advisable to review the terms and conditions of your policy before making the final choice.

3. Do Indians need travel insurance for the UAE?

Yes, Indians need to have travel insurance for the UAE to obtain their visa. It is advisable to purchase the insurance before travelling to the UAE.

4. How much does travel insurance for Dubai cost?

The cost for travel insurance for Dubai varies depending on the type of insurance you're purchasing. You will have to pay extra if you're planning to buy add-ons.

5. Is injury due to war or terrorism covered by travel insurance?

No, the travel insurance does not cover any injury sustained due to war or terrorist activities.

Disclaimer: The above information is for illustrative purposes only. For more details, please refer to the policy wordings and prospectus before concluding the sales.

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