Your policy document is the authoritative source for everything your travel insurance covers and does not cover. Read it before your trip so you know exactly what you are protected against, what evidence you need to keep, and how to contact us if you need to make a claim.
Travel Insurance Policy Documents
Download Your Policy Document
Select the document that matches your policy type.
Outbound Travel Insurance UAE residents travelling abroad Covers Single Trip, Annual Multi-Trip, Schengen, Family, Senior, Business, Group, and add-on products (Sports Cover / Ski Insurance). This document contains: coverage sections, benefit limits, general exclusions, health exclusions, claims procedures, and full definitions of all policy terms. Download Outbound T&Cs (PDF) | Inbound Travel Insurance International visitors travelling to the UAE Covers visitors from abroad who are travelling to the UAE. Separate product from outbound cover with different benefits and pricing. This document contains: medical coverage terms, COVID-19 cover details, repatriation limits, exclusions, and full claims procedures for inbound visitors. Download Inbound T&Cs (PDF) |
What to Look For in Your Policy Document
The policy document can be long. Here are the sections most relevant to common questions.
| If you want to know… | Go to this section in the document |
|---|---|
| What is and is not covered | Coverage sections and General Exclusions |
| How your health affects cover | Health Declaration and Health Exclusions section |
| What a term means (e.g. excess, curtailment) | Definitions section at the start of the document |
| How to make a claim | Claims Procedure section |
| Contact numbers in an emergency | First page of the document, contacts summary |
| How long cover lasts | Period of Insurance definition and your Certificate of Insurance |
| What counts as a pre-existing condition | Health Exclusions section and Pre-Existing Medical Condition definition |
If Something Is Unclear
Travel insurance documents use specific legal language. If any term or clause in the document is not clear to you, contact us before your trip begins.
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You can also find plain English explanations of common insurance terms in our Insurance Glossary.
