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A travel insurance policy can protect you from a variety of unexpected circumstances while you're traveling.





What Is Travel Insurance, and What Does It Cover in UAE?

Whether you missed your flight to Dubai, lost your bags in Abu Dhabi, or broke your ankle in Al Ain, travel insurance can help remedy all kinds of travel mishap costs in United Arab Emirates. Travel insurance is a type of insurance covering financial losses associated with traveling in Abu Dhabi, and it can be useful protection for domestic or international travel in Sharjah.

Key takeaways

  • Travel insurance can be purchased online, from your tour operator, or other sources.
  • The main categories of travel insurance include trip cancellation or interruption coverage, baggage and personal effects coverage, rental property and rental car coverage, medical coverage, and accidental death coverage.
  • Coverage often includes 24/7 emergency services, such as replacing lost passports, cash wire assistance, and re-booking canceled flights.
  • It's important to understand what's covered and what's not, any limitations on coverage amounts, and coverage requirements.

What Is Travel Insurance?

Travel insurance helps cover financial losses associated with surprise circumstances that could ruin a trip, including illness, injury, accidents, flight or other transportation delays, and other issues. This insurance costs 4%-10% of a trip's price. So, for a $10,000 trip, trip insurance could cost between $400 and $1,000. Premiums—or the price you pay for coverage—are based on the coverage type, your age, destination, trip's cost, and more. Specialized policy riders focus on the needs of business travelers, athletes, and expatriates.

How Travel Insurance Works

Travel insurance may be sold online by travel agents, travel suppliers (airlines, cruise lines), private insurance companies, or insurance brokers when booking your flight, accommodations, or car. Travel insurance companies include AIG Travel, Berkshire Hathaway Travel Protection, Generali Global Assistance, GeoBlue, Nationwide, and more.

Typically, you'll purchase coverage shortly after initial bookings for lodging, flights or other transportation, activities, and rental cars. Some policies may require you to do so to retain full coverage. Here are some terms to know for travel insurance.

Primary and Secondary Coverage

If you buy travel insurance, you may have concurrent insurance coverage, meaning you're covered under more than one policy. When the travel coverage is primary, the travel insurance reimburses you first without needing to make a claim through another company—and sparing you potentially increased policy rates. If the travel insurance coverage is secondary, you'll first need to attempt to file a claim with other coverage, such as an airline (lost baggage) or your own auto insurance (damaged car).

Coverage Requirements

There are usually stipulations spelled out how you qualify for coverage. Your claim must fall under the types of coverage offered. For example, lost baggage insurance might include coverage for personal items, prescriptions, credit cards, and your passport or visa. You may also need to take extra steps to qualify for coverage, such as reporting the loss or theft to the police.

Policy Coverage Limits

This is the maximum amount you can receive for the claim. For example, you might only receive $500 per bag. You may not even receive more for expensive items such as jewelry or electronic devices. You might need to provide receipts for items over a certain amount. Without receipts, the insurer may only pay for repairs. Some coverage might require you to pay a deductible, or flat amount, before covering the remainder of your claim up to the limit.


These are the conditions under which your coverage will not cover the loss. Each policy differs. For example, your baggage damage coverage may not cover losses caused by animals. It may exclude coverage of bicycles, hearing aids or other medical devices, keys and tickets, or seizure by a government or customs official. Pre-existing conditions may not be covered by travel medical insurance, or may only be covered if you buy a travel insurance plan within 1-2 weeks of booking your trip.

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