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Travel insurance for Dubai & The UAE

Compare travel insurance for your trip to Dubai and the rest of the United Arab Emirates

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Written by  Jake Edmonds
10 min read
Updated: 30 Jan 2024

The United Arab Emirates is a top choice for a luxury holiday in the sun and the right travel insurance will make sure you and your fellow travellers are protected abroad.

Discovering the luxuries and necessities of travel to Dubai and the UAE

Dubai and the UAE are synonymous with sun-soaked luxury, offering everything from high-end shopping to stunning beachside resorts. For those with a penchant for the finer things in life, these destinations are a veritable playground of opulence and relaxation. Whether you're lounging on the pristine beaches or indulging in retail therapy, the UAE promises an unforgettable experience.

Despite the allure of endless sunshine, visitors should be prepared for the intense heat, particularly during the summer months. July and August see average maximum temperatures soaring to a scorching 45 degrees Celsius. However, the UAE's infrastructure is well-equipped to handle the heat, with air-conditioned buildings providing a welcome respite from the outdoor furnace.

The UAE is a federation of seven Emirates, each with its unique charm. While Dubai and Abu Dhabi steal the limelight with their iconic skylines and cultural landmarks, the other Emirates—Ajman, Fujairah, Ras Al Khaimah, Sharjah, and Umm Al Quwain—also offer a wealth of attractions worthy of exploration.

Dubai, the poster child of modernity in the UAE, is home to architectural wonders like the towering Burj Khalifa, an indoor ski park, a sprawling aquarium, a state-of-the-art opera house, and expansive shopping malls. Yet, it's not all contemporary glitz; the city's historic quarter, Al Fahidi, boasts 19th-century architecture and bustling traditional markets.

Abu Dhabi, the largest Emirate, is not to be outdone. It is the proud location of the Sheikh Zayed Mosque, a breathtakingly beautiful place of worship that captivates visitors with its serene grandeur and intricate design.

Dubai

Is travel insurance necessary for Dubai and the UAE?

When planning your Arabian adventure, one might ponder the need for travel insurance. It's a resounding yes—securing travel insurance should be as integral to your trip planning as selecting the perfect hotel. The moment you book your UAE getaway, consider protecting your investment against unforeseen complications with flights, accommodations, or those exciting pre-booked activities.

The UAE boasts an excellent healthcare system for its citizens, but as a tourist, medical services come at a cost. Without insurance, you might find yourself facing hefty bills or even being denied hospital access if you're unable to pay for treatment. A robust travel insurance policy is your safeguard, offering coverage for lost baggage, theft, and financial protection for emergencies, such as postponed flights or trip cancellations.

Although the UAE is relatively safe for travellers, it's wise to remain vigilant. Petty thefts and muggings, though rare, can occur. Stick to licensed taxis and be wary of accepting unsolicited rides to ensure your safety.

What type of travel insurance do you need for Dubai and the UAE?

For your travels to the UAE, a worldwide travel insurance policy is essential. However, it's crucial to verify that your policy includes the Emirates, as some might exclude specific countries. Unlike destinations such as the USA, Canada, Mexico, and the Caribbean, which often require additional coverage, the UAE is typically included in worldwide policies. To ensure your destination is covered, use MoneySuperMarket’s comparison tool to check for any exclusions.

What should your travel insurance include for Dubai and the UAE?

A comprehensive travel insurance policy for the UAE should encompass the following:

  • Medical Expenses Cover: This is crucial for any unexpected illnesses or injuries.

  • Repatriation Cover: Should you need to return to the UK due to medical reasons, repatriation cover ensures you're financially protected.

  • Cancellation or Curtailment Cover: If an emergency arises that prevents your trip or cuts it short, cancellation or curtailment cover is your safety net.

  • Delay and Missed Departure Cover: Unforeseen events like a car breakdown can lead to missed flights; this cover offers compensation.

  • Baggage Cover: Given the UAE's status as a shopping haven, baggage cover is particularly important to protect your new purchases.

  • Passport Cover: Losing your passport abroad can be stressful and expensive; passport cover helps mitigate these issues.

  • Personal Liability Cover: This protects you in case you're held responsible for causing injury to someone or damaging their property.

Exclusions and considerations for UAE and Dubai travel insurance

When selecting your travel insurance, be mindful of common exclusions:

  • Pre-existing Medical Conditions: These may not be covered or could require a higher premium. Specialty insurance might be necessary for comprehensive coverage. Specialty travel insurance for pre-existing conditions is available for those who need it.

  • Adventure Activities: If you're planning on engaging in sports like skiing or scuba diving, ensure you have adventure or winter sports insurance.

  • Alcohol-Related Incidents: Accidents or injuries related to alcohol consumption may not be covered.

  • Travel to High-Risk Areas: Areas advised against by the Foreign, Commonwealth & Development Office are typically excluded. Cover for travel to locations that the Foreign, Commonwealth & Development Office (FCDO) has said British holidaymakers should avoid.

  • Civil Unrest and Natural Disasters: Coverage for such events is often not included.

Travel insurance with pre-existing medical conditions

Even with pre-existing medical conditions, obtaining travel insurance is possible, though it may come at a higher cost. Full disclosure of all conditions is necessary to avoid issues with claims.

Setting your travel insurance excess

The excess is the amount you pay before your insurer contributes to a claim. It's important to set this at an affordable level to avoid financial strain in the event of a claim.

When should your travel insurance policy start?

Ideally, your travel insurance policy should commence from the day you book your trip, providing coverage for any unexpected cancellations.

Compare travel insurance policies for your UAE trip

Before embarking on your luxurious UAE adventure, take a moment to compare travel insurance options. MoneySuperMarket’s holiday quote comparison tool simplifies the process, asking straightforward questions about your trip and desired coverage to help you find the best deals. With the right policy in hand, you can jet off to Dubai or any of the Emirates with peace of mind, ready to immerse yourself in the excitement that awaits.

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