How To Get Travel Insurance To Dubai That Covers Covid – 19

Update - 21st May, 2021

If you plan on visiting Dubai or Abu Dhabi during the COVID19, you now have to fulfill the criteria of having travel insurance that covers all treatment of COVID19. This is a comprehensive guide that will guide you on the procedures and other important of travel insurance to Dubai.


Travel Insurance to Dubai – Packages

We have wide range of insurance plans that suits your travel duration, age & coverage

The insurance we provide (based on the plans) covers below

  • Rates : Starting from 75 AED to 600 AED
  • Coverage : United Arab Emirates ( 7 Emirates)
  • Underwritten by : Union Insurance UAE (Based in 7 Emirates)
Whatapp Arabiers to chat


UAE travel advisory

Due to the current COVID 19 situation, travel advisories have warned to practice caution while traveling to the United Arab Emirates. As of now, 551,000 Coronavirus cases and 1642 deaths have been officially reported by the Department of health. If you are visiting UAE or Dubai adhere to the safety measures and rules laid out with regards to the Coronavirus.

According to sources you must have a valid travel insurance that cover Covid 19

Health Declaration form for Emirates Passengers
health declaration form

Source : Emirates

Health declaration form for tourist visa holders to Dubai
health declaration form


Process to visit Dubai

Travel insurance

As stated officially, all visitors should visit Dubai with a suitable entry permit and should apply for medical travel insurance that covers COVID 19 before traveling to Dubai. For some good insurance options that suit your budget jump to travel insurance option.

PCR test

For tourists travelling to Dubai for leisure purposes, the Dubai immigration has requested to produce a PCR test certificate that is not older than 4 days (96 hours) before the date of travel. For those who failed to bring a PCR test certificate, a test will be conducted in the Dubai airport along with thermal screening and other COVID19 related checks. If you have a negative test result but are displaying symptoms of COVID19, you can retake the test in Dubai.

Health declaration, costs form

Tourists are currently required to sign two forms before boarding the plane to Dubai. One form declares that you agree to bear all costs if the need arises to quarantine or seek treatment for COVID19. Tourists also have to sign a health declaration form. Additionally, all airlines reserve all rights to refuse entry to any individual displaying COVID19 symptoms.

Leaving Dubai

All tourists are requested to strictly adhere to the 14-day quarantine period if they have a positive COVID19 test result. They should also download the COVID 19 DXB app and register all their details.


UAE In country Insurance - Insurance for those who doing visa change without exit in UAE

After the covid locked down in UAE, many visitors and tourists could not find a way to travel back to their home country or do visa runs due to flight cancelation and border closings. Considering the situation UAE immigration allowed the inside country visa change (Visa change without exit) for all nationals. Now the insurance companies in UAE came up with the insurance for those who doing visa change without exit

How much approximately it cost

150 - 400 AED depending on the age


Claiming during corona

Depending on the insurance you have chosen, you will be educated on the terms and allocated a specific hotline. If you are hospitalised, report it to the insurance company within 24 hours of hospitalisation. In other situations, a claim can be made within 30 days of the incident date. Reimbursement usually takes anywhere between 2 to 4 weeks.

Conditions applicable

  • The insured person must follow all travel restrictions and rules laid out by the departing and arrival country before, during and after the trip.
  • If tested positive for COVID 19 at the arrival country airport, insurance will only cover government operated hospitalization, quarantine and medical treatments if the insured person had a negative PCR (Polymerase Chain Reaction) test before leaving the departing country. The claim will cover for a maximum of fourteen(14) days. This doesn't cover home quarantine or self isolation.
  • A 20% sublimit is applicable for any claim related to COVID 19 under this section. Unless mentioned above, all terms and conditions in the policy will remain the same and will continue to bind the insurance holder.


Schengen travel insurance

If you are travelling to any Schengen countries from Dubai you are required to hold a valid travel Insurance. A holder of a Uniform Schengen visa can travel to all 26 member countries of the Schengen (Austria, Hungary, Norway, Belgium, Iceland, Poland, Czech Republic, Italy, Portugal, Denmark, Latvia, Slovakia, Estonia, Liechtenstein, Slovenia, Finland, Lithuania, Spain, France, Luxembourg, Sweden, Germany, Malta, Switzerland, Greece & Netherlands)

What is Schengen travel insurance?

A Schengen travel insurance offers medical and travel insurance for all the 26 countries that make up the Schengen area. This is an ideal insurance if you are visiting one or more Schengen countries.

Why do I need travel insurance to visit Europe?

One of the crucial eligibility criteria to apply for a Schengen visa is to have travel insurance that covers up to X in medical costs for all countries in the Schengen zone. Obtaining a Schengen medical and travel insurance from a reputed insurance provider is the easiest way to go. Some country nationals are exempted from having a Schengen visa during travel to Schengen countries. Nationals from countries like Brazil, Canada, Mexico and USA have visa free entry to the Schengen areas. But, it is recommended you have insurance at the time of travel to cover the medical costs that arise due to unexpected circumstances. This is also a great way to ensure you are covered in most European countries if you still haven't finalized your travel itinerary.

Will getting travel insurance ensure I get a Schengen visa ?

Your travel insurance document is mandatory when applying for a Schengen visa. Additionally, you need to submit other documents that outline the reasons for travel, your travel itinerary, accommodation and your plans to work/study. Your application can also get rejected by the Embassy but the chances of this happening are very less if you have submitted all the necessary documents in order.

Does Schengen insurance cover countries other than those in the Schengen Area ?

The Schengen visa insurance only covers the 26 Schengen countries. If you plan to travel to countries outside the Schengen zone, you are advised to apply for an insurance that covers that country.


List of famous providers

  • Alliance Insurance
  • Union insurance Dubai
  • AIG travel insurance Dubai
  • Allianz travel insurance Dubai
  • Zurich travel insurance Dubai
  • AXA Dubai travel insurance
  • Emirates travel insurance
  • Travel guard
  • AAA travel insurance
  • Religare travel insurance


Know more

24-hour Emergency Medical Assistance

Please contact the hot line provided on the insurance copy immediately about any serious Illness or injury that happens abroad where You have to go to the hospital to seek medical treatment or You may have to return Home early or extend Your stay due to such incident. If You are unable to inform them immediately because the condition is life threatening, You should contact them as soon as You are able to. You must also tell them if Your medical expenses exceed US$250 (USD Two Hundred and Fifty only). If You are claiming for a minor Illness or injury, You should, where possible, pay the costs and claim for reimbursement of the money from them when You return.

Emergency Repatriation

If insurance company medical advisers believe that it would be in Your medical interest to bring You back to Your Home or to a hospital in Your Home country, You will ordinarily be moved by an ordinary Airline or emergency vehicle.. Where medically necessary in very serious or urgent cases, they will use an air ambulance. They will consult the treating doctor and their medical advisers first. In the event that You have to return Home early, the treating specialist must give a declaration affirming that You are fit to travel. Without this authentication, the Airlines can decline to convey any affected individual


This contract will be governed by the law and regulations of the United Arab Emirates which is the Issuance country and it would be stated in the Certificate of Insurance. For full details of the issuing insurance Company will be attached on the Certificate of Insurance.


All individuals aged from two (2) to seventy five (75)* years at the first departure date of the scheduled flight, depending on the plan selected and the applicable premiums are fully paid.


Your insurance contains conditions that relate to Your health and the health of other related persons who may not be traveling with You but whose medical information may be of importance to the insurance company. They also do not cover medical problems that You or Your related persons have or had before the commencement of this coverage

Rejection of Claim

If a theft occurs resulting in a claim as a result from Your carelessness, Insurance provider may not pay Your claim.


There are sections of this insurance where You are required to pay the first part of any claim (“Excess”). This Excess amount is shown in the Certificate of Insurance under Terms & Condition Section.

No Liability/Restriction

Insurance company and we are not liable to make any payment for any liability under any benefit Section of this Policies issued or make any payment under any extension for any loss or claim arising in, or where You or any of Your beneficiary under the Policy is a citizen or instrumentality of the government of, any country against which any laws and/or regulations governing this policy, its parent company or its ultimate controlling entity have established an embargo or other form of economic sanction which have the effect of prohibiting insurance provider to provide insurance coverage transacting business with or otherwise offering economic benefits to you or any other beneficiary under the Policy. It is additionally perceived and concurred that no advantages of monetary support will be made to any recipient who is or are proclaimed unfit to get monetary advantages under the laws as well as guidelines administering this terms and conditions

Data Disclosure

By executing an application for an insurance or by entering into a contract of insurance, the Insured person agrees to the Company handling information identifying with the Insured Person for giving protection items and administrations, lawful, managerial and the board purposes and specifically to the preparing of any sensitive personal information identifying with the Insured Person. The Insured Person agrees to the Company making such data accessible to approved outsiders including however not restricted to any Group Company, the individuals who give items or administrations to the Insurer or any Group Company, and administrative specialists, inside and outside the Insured individual's nation


Travel Insurance Glossary & Interpretations

Most of the visitors has asked us about the terms used in insurance policies and we thought of writing about the travel insurance Glossary & right interpretations


The insurance policies that cover corona have a 50% sublimit. Which means if the normal coverage is USD 15000, the insurance company set a separate amount of USD 7500

Accident / Accidental

Means a sudden and unforeseen event caused by something external and visible, which results in physical bodily injury, leading to total and permanent loss of sight, total and permanent loss of use of utilization of an appendage or changeless disablement or demise, inside a time of the occurrence

Adventure Activities

Refers to all forms of martials arts (not limited to boxing, wrestling, karate and the likes), aerobatics flying, sky surfing, wingsuit flying, base jumping, cliff jumping, cliff diving and/or coasteering. Expedition to generally inaccessible and remote areas of a country or areas previously unexplored, American football, all forms of rugby, aussie rules and the likes, heliskiing, rock or snow or ice or alpine climbing performed solo, freestyle or climb without ropes and all forms of solo climbs, sailing or yachting offshore and any organized sporting holiday and any other sports that require a level of ability and includes presentation to hazard


Means an unexpected extreme disease that spreads quickly and influences human life, inside a brief period, an exorbitantly huge number of individuals inside a topographical district. For example, SARS/ Swine Flu (H1N1) / Bird Flu


Means an outbreak of infectious disease, which meets the following criteria set by the World Health Organisation (WHO, that spreads through populations across a large region or worldwide.

  • Emergence of a disease new to a population.
  • Agents infect humans, causing serious Illness.
  • Agents spread easily and sustainably among humans

Permanent Total Disablement

Means a disability which prevents You from working in any and every job and which persists continuously for at least 12 months from the date of occurrence. And, at the end of those 12 months, is in our medical advisor’s opinion, such conditions is not going to improve

Scheduled Flight

Refers to commercial flights scheduled by any Airlines and has at all times the requisite and valid licenses or similar authorisations for scheduled air transportation and landing rights for fare paying passengers as issued by the relevant authorities in the country in which it operates, and in accordance with such authorisation, maintain and publish schedules and tariffs for passenger service between named airports. Furthermore, Scheduled Flights shall comply with the ABC World Airways Guide. In addition, Arrival Times, transfers and destination points shall be established by reference to the Insured Person’s Scheduled Flight ticket.


Means Your holiday or journey overseas for the purpose of leisure and / or business. Your Trip shall start at the time that You arrived to the Country of Arrival or from the start date shown on Your Certificate of Insurance, whichever is later and end on the date You return to the Country of Departure or at the end of the period shown on Your Certificate of Insurance, whichever is earlier.

  • Note: Traveling in Excess of the Trip limits will invalidate the whole coverage under this Policy.
  • Special Note: Please note that the coverage under this Policy expires when You return to the County of Departure

Pre-existing Medical Condition

Refers to a condition for which medical care, treatment, or advice was recommended by or received from a Physician within a two (2) year period preceding the Policy effective date, condition for which hospitalization or medical procedure was required inside a five (5) year time frame going before the Policy initiated date.


Travel Insurance Glossary & Interpretations

The policy will not cover pre-existing medical conditions

The policy provides coverage for reasonable and additional accommodation expenses because of a covered medical event occurring during the period of insurance. If an insured person is provided with a confirmed diagnosis, then necessary and reasonable emergency medical expenses along with necessary and reasonable additional accommodation expenses, provided they arise from the medical condition (that includes a confirmed Covid-19 diagnosis), will be covered by the policy. Quarantine is not covered if a confirmed Covid-19 diagnosis has not been provided. The cover only operates if a positive Covid-19 diagnosis has been made.

No, not for the test itself. The policy will operate, once a positive Covid-19 diagnosis has been made, to provide coverage for the necessary and reasonable additional medical and accommodation expenses as more fully defined in the policy

Not under usual circumstances. If a refund is requested full details should be referred to us for consideration

The policy does not contain an epidemic/pandemic exclusion. To that degree, Covid-19 is considered by the policy like any other emergency medical situation arising during the period of insurance. The terms of the insurance product detailed in the policy document should be reviewed by the customer to ensure that it meets their requirements

Yes, the certificate of insurance confirms the policy automatically extends in the event the customer overruns on the visa, up to 10 days in line with the government’s approved 10-day grace period.

50,000 USD is the maximum sum insured under this policy. This amount is in line with government recommendations for coverage on inbound insurance products and should be sufficient for the majority of customer’s needs.