Dubai is a major travel hub, attracting millions of visitors each year. With its world-class attractions, business opportunities, and cultural heritage, it’s no wonder that people flock to this vibrant city. Travel insurance is essential for anyone planning to travel, whether for business or leisure. It covers unforeseen events such as medical emergencies, trip cancellations, and lost luggage. Several travel insurance companies in Dubai offer comprehensive plans to ensure travellers are well-protected. Choosing the right travel insurance can save you from unexpected expenses and provide peace of mind during your trip. Here are the top 10 travel insurance companies in Dubai, UAE- 2024, offering reliable coverage and excellent service.
Travel Insurance Companies in Dubai
1. Allianz Travel Insurance
Allianz is a global leader in travel insurance in Dubai, UAE. It provides comprehensive coverage options for travellers worldwide. Its plans cater to various travel needs, ensuring peace of mind wherever you go.
| Coverage Type | Description | Features |
| Schengen Travel | Enables obtaining a Schengen Visa and offers emergency medical cover while travelling in the Schengen Zone. | Emergency medical cover, coverage starting from 56 AED. |
| Global Travel Insurance | This is made for individuals or families travelling worldwide for a single trip. | Covers accidents, illnesses, injuries, trip cancellations, loss/damage to baggage, and delays. |
| Annual Multi-Trip | Covers multiple trips within a year, each up to 90 days. | Comprehensive coverage for frequent travelers, starting from 664 AED. |
| Inbound to UAE | For foreigners visiting the UAE. | Emergency medical cover and more, starting from 50 AED. |
| Sport Cover | Extends current travel insurance to cover over 85 sports and activities. | Additional risk coverage for sports activities, starting from 169 AED. |
2. GIG Gulf (formerly known as AXA Gulf)
AXA Gulf is part of the global AXA Group, known for its extensive range of insurance products. Their travel insurance plans are designed to provide comprehensive coverage, ensuring travellers are well-protected.
| Coverage Type | Description | Features |
| Travel Smart | Comprehensive cover for medical and travel inconveniences globally, including winter sports and diving. | Emergency medical expenses, dental care, transportation, repatriation, personal liability, legal assistance. |
| Family Travel Insurance | Covers families, allowing the addition of children and parents up to 70 years old with discounts for children. | Emergency medical expenses, dental care, medical transportation, personal liability, legal assistance. |
| Annual Multi-Trip | For frequent travellers, covering multiple trips annually saves costs compared to single-trip policies. | Emergency medical expenses, travel inconvenience cover, personal liability, and legal assistance. |
| Travel Inbound | Designed for travellers visiting UAE, Oman, Bahrain, and Qatar, providing necessary medical cover. | Emergency medical treatment, transportation, repatriation, and additional travel covers in Inbound Plus. |
| Schengen Travel Insurance | Mandatory cover for obtaining a Schengen Visa for Europe, providing the required travel and medical insurance. | Emergency medical expenses, transportation, repatriation, personal liability, legal assistance. |
3. Sukoon Insurance Company
Sukoon Insurance Company (previously known as Oman Insurance) is one of the best insurers in the UAE. It offers a wide range of insurance products, including travel insurance. It provides affordable travel insurance in Dubai and comprehensive coverage to its customers.
| Coverage Type | Description | Features |
| Travel Easy Plan | Custom-built travel insurance plans with various benefits and covers. | Emergency medical cover, trip cancellation, loss of baggage, delays. |
| Visitor Health Insurance Plan | Travel health insurance for visitors to Dubai and the UAE, compliant with government directives. | Emergency medical treatment, transportation, repatriation. |
4. Liva Insurance
Liva Insurance (previously known as RSA Insurance) is among the top travel insurance companies in the UAE with a strong presence. Its travel insurance plans are known for their high coverage limits and flexibility.
| Coverage Type | Description | Features |
| Executive | Comprehensive cover for frequent travelers with extended benefits. | Emergency medical expenses, accidental death, personal liability, lost documents, trip cancellation, and legal expenses. |
| Holiday | Designed for holidaymakers, providing essential travel protection. | Emergency medical expenses, lost baggage, trip delay, personal liability, legal assistance. |
| Schengen | Essential cover for obtaining a Schengen Visa, providing necessary medical and travel insurance. | Emergency medical expenses, repatriation, lost documents, trip cancellation, personal liability, legal assistance. |
5. Tokio Marine
Established in Dubai in 1976, Tokio Marine has become a fixture in the UAE’s insurance landscape. With over 45 years of experience catering to the Gulf market, they’ve built a reputation for providing innovative and comprehensive travel insurance solutions.
| Coverage Type | Description | Features |
| Tokio Privilege | Comprehensive travel insurance with extensive coverage. | Medical emergency & evacuation, stolen luggage, credit card protection, cancelled flights, delays. |
| Tokio Lite | Basic travel insurance for budget-conscious travelers. | Medical emergency, lost belongings, trip cancellations. |
| Tokio Family | Family travel insurance is made to cover the entire family. | Medical emergency & evacuation, lost luggage, trip cancellations, personal liability. |
6. AIG Insurance
AIG Insurance, a top name in global insurance, is well-established in Dubai. It offers a variety of insurance products designed to meet the necessary wants of individuals, businesses, and international companies. Known for being reliable and excellent, AIG Insurance Dubai provides travel insurance, focusing on its customers and using innovative solutions to protect its clients’ financial security in the UAE’s fast-moving environment.
| Coverage Type | Description | Features |
| Platinum Plan | Most comprehensive plan exceeding Schengen visa requirements. | Up to AED 1,836,500 Emergency Medical Expenses, COVID-19 Medical Expenses up to AED 918,250, Baggage Loss/Damage up to AED 9,175, Trip Cancellation up to AED 18,350, Travel Delay Cover up to AED 3,670, Emergency Family Travel up to AED 9,175, Secure Wallet up to AED 3,670, 24h Worldwide Assistance Services |
| Gold Plan | Popular plan covering Schengen visa requirements. | Up to AED 367,300 Emergency Medical Expenses, COVID-19 Medical Expenses up to AED 367,300, Baggage Loss/Damage up to AED 3,670, Trip Cancellation up to AED 9,175, Travel Delay Cover up to AED 1,835, Secure Wallet up to AED 1,835, 24h Worldwide Assistance Services |
| Silver Plan | The basic plan covers Schengen visa requirements. | Up to AED 183,650 Emergency Medical Expenses, COVID-19 Medical Expenses up to AED 183,650, 24h Worldwide Assistance Services |
7. Orient Insurance
Orient Insurance, a member of the Al-Futtaim Group, was established in 1982 in Dubai. It is one of the UAE’s leading insurance companies, known for providing a wide range of insurance products, including health, motor, property, and travel insurance. With a strong focus on customer satisfaction, Orient Insurance provides tailored insurance solutions to meet the needs of both individuals and businesses.
| Coverage Type | Description | Features |
| Comprehensive Travel | Covers losses incurred while travelling such as medical expenses, flight cancellations, and lost baggage. | Emergency medical expenses, trip cancellation, lost baggage, delays. |
8. Union Insurance
Union Insurance is one of the best insurance providers in Dubai, offering various personal and business insurance products. It is known for its customer-centric approach, providing customised solutions to meet individual and corporate needs. Its travel insurance plans include comprehensive coverage options for medical expenses, trip cancellations, lost baggage, and more, ensuring peace of mind while travelling. For more details, visit its website.
| Coverage Type | Description | Features |
| Platinum | Comprehensive travel insurance with maximum coverage for various travel-related risks. | Loss of passport and travel documents, trip cancellation/curtailment, personal accidents, baggage loss/delay, emergency medical assistance. |
| Gold | Enhanced coverage with balanced benefits for frequent travellers. | Similar to Platinum but with lower coverage limits. |
| Silver | Basic travel insurance provides essential coverage for budget-conscious travelers. | Basic coverage for medical expenses, baggage loss, trip delays, and personal liability. |
9. Alliance Insurance
Alliance Insurance is a well-established company in the UAE that offers various insurance products, including health, motor, property, and travel insurance. They focus on providing comprehensive and budget-friendly travel insurance policies that protect customers against travel-related risks such as medical emergencies, trip cancellations, and lost baggage.
| Coverage Type | Description | Features |
| Standard Policy | Comprehensive coverage for various travel-related risks. | Emergency medical expenses, trip cancellations, lost baggage, delays, personal accidents. |
| Budget Policy | Essential coverage meeting Schengen visa requirements. | Medical expenses, trip interruptions, personal liability. |
10. Dubai National Insurance (DNI)
DNIC is a leading insurance company in the UAE, providing various personal and commercial insurance products. It offers comprehensive travel insurance in Dubai to cover medical emergencies, trip cancellations, and baggage issues, ensuring peace of mind while travelling. DNI is known for its customer-focused approach and reliable insurance solutions.
| Coverage Type | Description | Features |
| Covid-19 – Plus Silver | Coverage for travel within Europe, MENA (including Greece), Africa, and Asia (excluding Japan). | Emergency medical expenses, trip cancellation, baggage loss/delay, personal liability. |
| Covid-19 – Plus Gold | Coverage for worldwide travel excluding the USA, Canada, Australia, and Japan. | Higher limits on medical expenses, trip cancellation, personal accident, and legal expenses. |
| Covid-19 – Plus Platinum | Comprehensive worldwide coverage. | Maximum coverage for medical emergencies, trip disruptions, baggage issues, and personal liability. |
| Covid-19 – UAE Inbound (Single entry) | Coverage for travelers visiting the UAE on a single-entry basis. | Emergency medical treatment, repatriation, personal liability. |
| Covid-19 – UAE Inbound (Multiple entry) | Coverage for travelers visiting the UAE on a multiple-entry basis. | Emergency medical treatment, repatriation, personal liability. |
| Covid-19 – UAE Inbound excluding Quarantine (Single entry) | Coverage for UAE travellers on a single-entry basis, excluding quarantine expenses. | Emergency medical treatment, repatriation, personal liability. |
| Covid-19 – UAE Inbound excluding Quarantine (Multiple entry) | Coverage for travelers visiting the UAE on a multiple-entry basis, excluding quarantine expenses. | Emergency medical treatment, repatriation, personal liability. |
Final Takeaway
Picking the right travel insurance is key to having a safe and stress-free trip. The top 10 travel insurance companies in Dubai, UAE – 2024 offer various plans to fit different needs. Look at coverage options, customer service, and your specific needs to find the best plan. Always read the travel insurance policy details carefully and talk to the insurer to ensure you have the necessary coverage. Have a safe trip!
