UAE Travel Insurance

UAE Travel Insurance: Plan at a Glance

While purchasing travel insurance for the United Arab Emirates, it is important to review the key details of the plan carefully. Start by selecting the type of coverage that suits your needs, whether individual, family, or student travel insurance. Next, determine whether you require coverage for a single trip or multiple trips. For your reference, below are the main features of the Explore Asia travel insurance for the UAE.

What is Covered Under Travel Insurance for the UAE?

Whether you lose one of your checked-in bags or need medical assistance while stranded in an unknown land, a carefully bought travel insurance plan shall ensure you are covered. Below are the inclusions under the UAE’s Travel Insurance coverage:

• Emergency Hospitalisation: We cover the expenses incurred in treating illness, injuries and/or life-threatening conditions due to pre-existing diseases.
• Daily Allowance: If you're hospitalised, we’ll also help cover extra daily expenses for your companion, based on the policy terms.
• Compassionate Visit: If you're hospitalised, we’ll cover the flight ticket (economy class) for a close family member to accompany you during the emergency.
• Personal Accident: In the unfortunate event of the insured’s death or permanent total disability, the policy offers a lump sum payout up to the sum insured.
• Trip Delay & Cancellation: If your travel plans hit a bump, like flight delays, cancellations, or sudden changes, we will help you recover the costs.
• Delay & Loss of Checked-in Baggage: We will reimburse you for the essentials in case of a delay in receiving the Checked-In Baggage.
• Loss of Passport & International DL: We may not get your passport or luggage back, but we sure can cover the loss under this benefit, subject to terms and conditions.

Under international travel insurance, you are also eligible for personal liability cover and Repatriation of mortal remains.

*Refer to the policy documents for more detailed information regarding the Coverage.

What is not Covered under Travel Insurance for the UAE?

It is always wise to check your policy documents to understand the exclusions and be informed. The following are a few general exclusions for your information:

• Drug Misuse: Expenses arising out of or attributable to alcohol or drug use/misuse/abuse by the insured members during the course of the trip are not covered.
• World War: Any medical or non-medical expenses arising out of national or international war, or nuclear perils or consequences, will not be covered.
• Self-inflicted Injury: Any intentional self-injury, suicide attempt, or any other form of harm to self leading to hospitalisation or death is not covered in our policy.
• Hazardous Activities: Any claims relating to hazardous activities like fire stunts, etc., otherwise not mentioned in the policy documents, won’t be covered.
• Breach of Law: Any liability or injury expenses arising out of any breach of law or particular regulations set by the destination country are not covered.
• Dental Treatment: The travel health insurance under UAE travel insurance does not cover expenses for planned dental treatment or surgery unless necessitated by acute pain.

*Refer to the policy documents for more details on exclusions.

Benefits of UAE Travel Insurance

Whether it is a lost suitcase or an unexpected hospital visit, travel insurance ensures that your dream trip to the UAE stays stress-free. Here are some key benefits of having travel insurance before you go:

• Specialised Plans for Every Traveller: Whether you're a student heading abroad or a senior enjoying retirement travels, you’ll find customised travel insurance plans designed to suit your specific needs.
• 24/7 Customer Support: Get round-the-clock assistance no matter where you are. Reliable customer service is just a call away to help you during emergencies.
• Fast Claim Settlements: With a dedicated team handling claims quickly, you don’t have to worry about delays when it comes to getting the support you deserve.
• Peace of Mind on Your Journey: Knowing you're protected against delays, cancellations, and emergencies lets you relax and enjoy the UAE without constant worry.
• Confidence to Explore Freely: Planning to venture into remote parts of the UAE? With insurance, you're covered even in offbeat or less-connected areas.
• Adventure Sports Coverage: If you love adventure, the travel insurance plans include coverage for exciting activities in the UAE. 
• Trusted Emergency Services: Travel insurance providers often work with trusted partners to give you quick, quality help when you need it most, like medical aid or travel support.

Documents Required to Travel from India to UAE

Whether you're going to Dubai, Abu Dhabi, Sharjah, or any other part of the UAE, it is essential to carry the right documents. The requirements may vary depending on the purpose of travel, visa type, and your personal circumstances.

• Valid Indian Passport: It must be valid for at least 6 months from your entry into the UAE. It is also advised to keep it in good condition with at least two blank pages for visa stamps.
• Passport-Sized Photograph: You should carry a few recent photos (white background, 4.3 x 5.5 cm).
• Confirmed Return/Onward Flight Ticket: A copy of your booked return or onward flight must be submitted. This proves that you do not intend to overstay in the UAE.
• Proof of Accommodation: Include a hotel reservation confirmation or an invitation letter from the person you're staying with.
• Detailed Travel Itinerary: You can also prepare a day-by-day schedule of your trip, including flight details, hotel stays, and planned activities.

What is the Premium of the UAE Travel Insurance?

The premium that an insured person must pay will be based on various factors, including the age of the traveller, the country they are travelling to, trip duration, and the type of coverage selected. The Travel Healthcare Insurance premium for the UAE offered by Care Health Insurance friendly. starts from as low as Rs. 267~ for a single traveller on a 7-day long trip.

For instance, if you are travelling from India to the UAE for 7 Days, a one-time visit, the approximate premium cost of your travel insurance with a sum insured of $10k is calculated as below:

*The above-mentioned travel insurance premium is calculated subject to no pre-existing medical conditions of the insured members. It considers that the insured members have not been diagnosed, hospitalised, or underwent any treatment in the last 48 months. Also, the premium amount is subject to change if the insured person has already claimed any travel policy before.

Factors Affecting the Premium of Travel Insurance for the UAE

The travel insurance premiums are calculated based on various personal, travel, and policy-specific criteria. Understanding these can help you choose the right plan and avoid overpaying.

• Trip Duration: Insurance costs increases with the number of travel days because the risk exposure (especially to medical or travel issues) grows over time.
• Traveller’s Age: Older travellers (typically above 60 years) pay higher premiums due to increased health risks. Whereas, children and young adults usually fall into lower premium brackets.
• Coverage Amount (Sum Insured): The higher the medical and travel coverage limit, the more expensive the premium.
• Type of Coverage Chosen: The comprehensive plans with coverage for trip cancellation, baggage loss, liability, etc. can be more expensive than basic medical-only plans. Optional add-ons like adventure sports coverage can also increase the cost.
• Number of Travellers: A family or group policy can offer some savings over buying individual policies, but more travellers mean a higher total premium.

How to Buy UAE Travel Insurance Online?

Please note: The premium charged under the policy depends upon the sum insured, trip duration in days, the scope of geographies covered, type of trip, cover type, the individual's health status, and the plan opted by the customer.

How to File a Claim Under Travel Insurance for the UAE?

How to Apply for a UAE Visa from India?

Applying for a UAE visa from India involves several steps, and the process can vary slightly depending on the type of visa you need (tourist, business, transit, etc.). Here’s a general guide to help you through the process: 

• Determine your visa type: Select the type of visa as per your requirements, such as a tourist visa,  or a work visa. 
• Check Eligibility and Requirements: Ensure your passport is valid for at least six months beyond your intended travel date.
• Select the Platform to Apply Through: You can apply directly through the UAE’s official visa portal or via UAE airlines like Emirates and Etihad, which provide visa services. Sometimes, you may need to apply directly through the UAE consulate in India, particularly for business or long-term visas.
• Fill the Visa Application form: Complete the application form with all the required details, including personal information, travel dates, passport details, and purpose of visit.
• Prepare Documents: Gather the required documents, including a valid passport, completed visa form, passport-sized photos, flight itinerary, hotel booking, bank statements, and visa fee.
• Submit the Application: You can submit your completed application and documents online, via the travel agency, or at the UAE consulate.
• Pay the Visa Fee: The Visa fees vary depending on the type of visa and processing time. You can pay via credit card, debit card, or online banking.
• Processing Time: Processing time usually takes 2 to 5 working days for tourist visas. It may take longer for work or business visas.
• Visa Collection: Once approved, you'll receive your visa by email or can download it from the portal. Print a copy to carry during travel.

Documents Required for UAE Visa

The exact requirements of the documents may vary slightly depending on the type of visa (tourist, visit, transit, business, or work), but these are the commonly required documents:

• Coloured scanned copy of the passport's first and last pages. Applicant’s passport should be valid for at least six months from entry into the UAE with two blank pages.
• Coloured passport-sized photograph with white background in JPG/JPEG format.
• Coloured scanned copy of PAN Card.
• Confirmed return flight tickets.

UAE Travel: Safety & Precautions

The UAE is one of the safest destinations in the world. By following local laws and customs, your trip is sure to go smoothly with these helpful tips:

• Since the UAE can get very hot, it is best to avoid visiting during the peak summer months when temperatures exceed 48°C.
• If you're in Dubai, keep emergency numbers handy, including ambulance services, the Coast Guard services, and the police.
• Although crime rates are low, it is wise to safeguard your valuables when using public transport or exploring crowded areas, particularly in busy markets.
• Refrain from taking part in public demonstrations or political events.
• Photography is allowed in most places, but be respectful and avoid taking photos of Muslim women, government buildings, or military sites.
• While alcohol is available, it is important to drink responsibly and not in public spaces or on the streets. Driving under the influence is strictly prohibited.
• In case of a serious emergency, Dubai police promise to have a helicopter on-site within 8 minutes.

Local Law And Etiquette In the UAE

Every country has its local laws and customs that visitors are expected to respect and follow, and the UAE is no exception. Being mindful of these regulations will help ensure a respectful and enjoyable trip. Here are some key guidelines to keep in mind:

• Avoid drinking in public places: While alcohol is available in licensed venues like bars, restaurants, and hotels, but drinking in public areas, such as on the streets or in parks, is strictly prohibited.
• Smoke only in designated areas: Smoking is prohibited in most places in the UAE. It is important to smoke only in designated smoking zones or at locations where it is specifically permitted.
• Avoid littering: The UAE values cleanliness and environmental responsibility. Littering in public areas can result in hefty fines. To keep the environment clean, dispose of waste properly in designated trash bins.
• Respect dress codes: Dress codes can vary from one emirate to another, but modesty is generally valued across the UAE. While casual and light clothing is acceptable in most places, avoid revealing or overly casual attire when visiting religious sites, government buildings, or upscale venues. 
• Learn a few essential Arabic phrases or use a translation app: While English is widely spoken, especially in major cities like Dubai and Abu Dhabi, learning a few basic Arabic phrases can greatly show respect to the local culture. 

The Indian Embassy in the UAE

In case of an emergency during your stay in the UAE, you can contact the Indian Embassy in the UAE.

You may also visit the embassy or consulate during working hours, Sunday to Thursday from 8:30 AM to 5:00 PM. Please note that the country observes holidays on Fridays and Saturdays.

Best Time to Visit the UAE

The best time to visit the UAE is during winter, as the summers can be unbearably hot and humid. For a more pleasant experience, planning your trip between November and February is ideal. This period also coincides with exciting events, such as the Dubai Shopping Festival, making it the perfect time to enjoy everything the UAE offers. Visiting in winter ensures you get the most out of your trip.

List of International Airports in UAE

The United Arab Emirates (UAE) is a major global hub for air travel, strategically located between Europe, Asia, and Africa. It boasts several world-class international airports that connect the region to destinations across the globe.

Currency and Foreign Exchange

The currency used in the UAE is the United Arab Emirates Dirham (AED). Here is the latest exchange rate to get an estimate:

Things to Do in the UAE

The UAE offers various experiences that cater to all types of travellers, from shopping and sightseeing to relaxation and adventure. Here are some of the top attractions and activities you shouldn't miss:

• Explore Dubai Mall: This massive shopping complex is more than just a place to shop. In addition to its high-end stores and diverse dining options, you can visit the Dubai Aquarium, home to thousands of marine animals, or skate on the Dubai Ice Rink, a popular spot for ice skating in the desert heat. Dubai Mall has it all if you're looking for luxury goods, family entertainment, or just a fun day out.
• Relax at Jumeirah Beach: If you're in the mood for sun, sand, and sea, Jumeirah Beach offers a perfect escape. Enjoy the clear blue waters and soft sands while you relax or engage in thrilling water sports like jet skiing, paddleboarding, or parasailing. It is a great spot to unwind or have fun in the sun, with stunning views of the Burj Al Arab.
• Tour Abu Dhabi’s Grand Mosque: The Sheikh Zayed Grand Mosque in Abu Dhabi is one of the most stunning landmarks in the UAE. Known for its grand architecture, intricate details, and beautiful white marble, it is an awe-inspiring place to visit. The mosque is open to visitors, offering a peaceful atmosphere to admire the beautiful prayer halls, reflecting pools, and lush gardens.
• Wander around the Souks: For a more traditional experience, head to the famous Souks (markets) in both Dubai and Abu Dhabi. The Gold Souk in Dubai is a glittering wonder, where you can browse through stunning jewellery and gold creations. At the same time, the Spice Souk offers a sensory overload with its vibrant displays of aromatic spices, herbs, and perfumes. The souks are a perfect way to immerse yourself in the local culture and pick up some unique souvenirs.
• Discover Palm Jumeirah: One of the UAE's most iconic landmarks, Palm Jumeirah is a man-made island shaped like a palm tree. This luxury destination is home to lavish resorts, upscale dining options, and exclusive beachfront properties. Take a stroll along the Palm's crescent or enjoy the luxury hotels and water parks, such as Atlantis The Palm, where you can spend a day enjoying world-class amenities and breathtaking views.

Best Places to Visit in the UAE

The United Arab Emirates (UAE) is a modern and culturally rich country, known for its luxurious cities, vast deserts, and beautiful coastline. Some of the best places to visit in the UAE are mentioned below:

• Burj Khalifa (Dubai): The tallest building in the world, it is a must-see when visiting Dubai. From its observation decks, you can enjoy an incredible view of the entire city. Whether you visit during the day or at night, the panoramic skyline views are unforgettable. It is also a great spot for photography lovers.
• Sheikh Zayed Grand Mosque (Abu Dhabi): One of the most beautiful mosques in the world, the Sheikh Zayed Grand Mosque is a symbol of peace and unity. With its white marble domes and intricate design, the mosque attracts visitors from all over the world. 
• Palm Jumeirah (Dubai): Palm Jumeirah is a man-made island shaped like a palm tree, home to luxury hotels and beachfront resorts. It is ideal for travellers who enjoy high-end experiences, beach relaxation, and waterfront dining. 
• Jebel Jais (Ras Al Khaimah): Jebel Jais is the highest mountain in the UAE and a great destination for adventure seekers. You can hike, enjoy scenic drives, or try the world’s longest zipline. 
• Louvre Abu Dhabi (Abu Dhabi): This museum combines art, culture, and innovation under a unique dome-shaped roof. Louvre Abu Dhabi features exhibits from around the world and is known for bridging the gap between Eastern and Western art. 
• Desert Safari (Dubai): A desert safari is one of the most popular activities in the UAE. Visitors can enjoy dune bashing, camel riding, sandboarding, and traditional BBQ dinners in the desert. It is a fun way to experience Emirati culture and the natural beauty of the Arabian desert.