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Best Travel Insurance in UAE for Individuals & Families

Travel with Confidence - Wherever Life Takes You

✅ Voted #1 Global Insurance Brand - 7 years running. Trusted by 70 million+ travellers worldwide.

✅8 specialised plans from AED 50. Single trip, annual, family, senior, Schengen, inbound and more.

✅ Buy in minutes. Instant policy documents. 24/7 emergency support anywhere in the world.

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This page is your guide to every Allianz travel insurance plan available to UAE residents and international visitors. Each section below covers a different aspect of your decision: which plan type fits your trip, what each plan actually covers (with exact limits from the policy document), what is not covered, which add-ons are available, and how to make a claim. Read what you need, then get your quote.

All plans on this page are for UAE residents travelling outside the UAE, or for international visitors arriving in the UAE. Plans must be purchased before departure, no exceptions.

Which Allianz Plan is Right For You?

Answer the question in each card to find your plan. Click the plan name to read the full details on its dedicated page.

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Travel Schengen
From AED 56 Are you a UAE resident applying for a Schengen (Europe) visa?
Yes → This plan meets the mandatory travel insurance requirement for all Schengen visa applications. Minimum medical cover of USD 30,000 required; this plan provides USD 50,000.
Includes: Emergency medical USD 50K · COVID-19 medical · Trip cancellation · Missed departure · Repatriation · Travel delay
Excludes: Trip interruption · Personal liability
Not right if: Non-Schengen destinations, or if you want coverage for interrupted travel plans (early return, additional accomodation etc)
Learn more →

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Travel Global - Standard Tier
From AED 76

Are you taking one international trip and want full protection including cancellation and baggage?

Yes → Standard is the most complete single-trip plan for most worldwide destinations. Medical up to USD 250K, trip cancellation up to USD 3,000, baggage up to USD 1,500.
Includes: Emergency medical USD 250K · Trip cancellation USD 3,000 · Baggage USD 1,500 · Travel delay USD 200 · Personal liability USD 250K
Excludes: Pre-existing conditions · Sports/hazardous activities (add-on required)
Not right if: If travelling to the USA, Canada or Japan - upgrade to Premium for higher medical limits.
Learn more →

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Travel Global - Premium Tier
From AED 99

Are you travelling to the USA, Canada, Japan, or any destination where healthcare costs are very high?

Yes → Premium provides the highest available medical cover (USD 500K) plus higher limits on every other benefit. Recommended for any high-risk or high-cost destination.
Includes: Emergency medical USD 500K · Trip cancellation USD 5,000 · Baggage USD 2,000 · Travel delay USD 300 · Personal liability USD 500K 
Excludes: Pre-existing conditions · Sports/hazardous activities (add-on required)
Not right if: Short Schengen trips where visa compliance is all you need.
Learn more →

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Annual Multi-Trip
From AED 664

Do you travel 3 or more times per year internationally?

Yes → Annual covers unlimited trips for 12 months, each up to 90 days. You pay once and are protected automatically every time you travel. Standard and Premium tiers available.
Includes: All Standard or Premium benefits · Unlimited trips in 12 months · Each trip max 90 days · Policy automatically ends at 23:59 on day 90 of each trip
Excludes: Trips exceeding 90 days · Pre-existing conditions · Same exclusions as single-trip plans
Not right if: Taking only one or two trips per year - a single-trip plan will be cheaper.
Learn more →

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Inbound to UAE
From AED 50

Are you an international visitor arriving in the UAE, or are you sponsoring a visitor?

Yes → This plan covers visitors from the moment they arrive in the UAE. Emergency medical, COVID-19 quarantine accommodation, repatriation of remains, Transport of Family.
Includes: Emergency medical cover · COVID-19 medical & quarantine · Repatriation · Travel Assistance · Transport to bedside
Excludes: Trips originating outside the UAE · UAE residents (separate outbound plans apply)
Not right if: UAE residents travelling outside the UAE - that is a different plan entirely.
Learn more →

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Family Travel
From AED 140

Are you travelling as a family with 2 or more adults and at least one child?

Yes → One policy covers 2 adults and an unlimited number of dependent children under a fixed family rate. All Standard plan benefits apply to every family member.
Includes: All Standard plan benefits · 2 adults minimum · Unlimited dependent children · Medical, baggage, cancellation and liability for all
Excludes: Same exclusions as Standard plan · Children must be dependants (not travelling independently)
Not right if: Solo travellers or couples without children - a standard individual plan will be cheaper.
Learn more →

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Senior Travel
From AED 140

Are you aged 66 to 85 and planning an international trip?

Yes → Senior Travel is designed specifically for the health profile and travel needs of older travellers. Full benefits coverage. Maximum age 85 at time of purchase.
Includes: Emergency medical · Trip cancellation · Baggage · Medical evacuation · COVID-19 · Repatriation · All Standard benefits adapted for senior health profiles
Excludes: Travellers over 85 · Pre-existing conditions not disclosed at purchase
Not right if: Travellers under 66 - a standard individual plan is more appropriate.
Learn more →

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Business Travel
From AED 56

Are you travelling primarily for work, with personal leisure time on the same trip?

Yes → Business Travel covers both the work and leisure portions of the same trip under one policy. You do not need two separate plans.
Includes: All Standard benefits · Business and leisure activities covered simultaneously · Worldwide up to 90 days
Excludes: Same as Standard plan · Employees travelling under a company group policy (separate product)
Not right if: Travellers on purely personal holidays - a standard single-trip plan is sufficient.
Learn more →
GET AN INSTANT QUOTE

Why Allianz Is The Best Travel Insurance Choice In The UAE

Looking for the best travel insurance in Dubai or the UAE? You need a provider with the financial strength to pay your claims, the coverage depth to protect what matters most, and the support network to help you when it really counts. Allianz Travel delivers on all three.

Financial Strength

Allianz is the world's #1 insurance brand - AA rated by S&P. 

135+ years of global expertise. 70+ million travellers insured each year.

When you need to claim, you get paid. Every time.

Coverage Depth

8 distinct plans covering every travel and trip profile: solo, family, senior, business, Schengen, inbound, annual and adventure sport enthusiasts.

Medical & Flight-related cover - all in one place.

UAE-Specific Support

Cover for every destination - Schengen, worldwide, UAE inbound and Annual.

Policies accepted for Schengen visa applications. Recommended by Indian and Australian embassies for travel to UAE.

How to Make a Claim - Step by Step:

Your policy type and claim reason determine the process. Use the correct track below. All claims must be filed as soon as possible after the incident - delays can affect eligibility.

Track 1: Medical Emergency (call first)

StepActionContact / Method
1Call our 24/7 emergency line BEFORE seeking treatment if possible. For life-threatening situations, go to the nearest hospital first. +971 4 270 8705 (press 1 for emergencies)
WhatsApp: +971 56 216 4563
2Our team will direct you to a prescreened hospital in our network and, where accepted, guarantee or advance hospital payments.Our team handles this - no upfront payment required in most cases
3After treatment, gather all original invoices, medical reports, prescriptions and boarding passes.Keep all originals - copies not accepted
4Submit your claim online with all documents. travelclaims.tatsh.cloud
5If you have existing health insurance, submit to that provider first. Allianz deducts any other insurer payment from your claim.Secondary coverage rule - policy document, Section F

Track 2: Trip Cancellation or Interruption

StepActionContact / Method
1Notify ALL your travel suppliers within 72 hours of knowing you must cancel/interrupt. Missing this window reduces your refund - the shortfall is not covered.Airlines, hotels, tour operators - all must be notified
2Obtain written evidence of the covered reason: medical certificate, death certificate, or official documentation.From your doctor, hospital, or relevant authority
3Collect all original booking invoices and cancellation fee documents.Keep all originals
4File your claim online with all supporting documents. travelclaims.tatsh.cloud

Track 3: Baggage Loss, Damage or Theft

StepActionContact / Method
1Report to your travel carrier within 7 days. For airlines, obtain a Property Irregularity Report (PIR).From the airline or handling agent at the airport
2For theft of any item, file a police report within 24 hours of discovery.Local police authority at your destination
3If a mobile phone was stolen, block it with your network provider and obtain written confirmation.Your mobile network provider
4Gather proof of ownership: receipts, warranty cards, bank statements, or photographs.Keep all supporting documents
5For damaged items, get a repair estimate. Keep the damaged item - we may inspect it.Local repair service estimate
6File your claim within 21 days of any delay, loss or damage. travelclaims.tatsh.cloud

Claims Contact Summary

ChannelDetailsHours
Online Claims Portal travelclaims.tatsh.cloud24/7
Phone (emergency + claims) +971 4 270 8705 (press 1 for emergencies)Emergency: 24/7 · Claims: 08:00–20:00 GST Mon–Fri
WhatsApp +971 56 216 456308:00–20:00 GST Mon–Fri
Email travel.claims@nextcarehealth.comMon–Fri office hours

What Travel Insurance Does NOT Cover

Knowing the exclusions before you buy is as important as knowing what is covered. Below are the most significant general exclusions from the Allianz policy document - grouped for clarity.

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Exclusion Category
What This Means in Practice
Pre-existing medical conditions Any condition for which you received treatment, were prescribed medication, or were referred to a specialist in the 120 days before purchasing your policy. Does not need to have been formally diagnosed. Applies to claims where the loss is directly or indirectly related to the condition.
Known events at purchase Any loss, condition or event that was already known, foreseeable or expected when you bought the policy. If a storm or event was in the news before you purchased, related claims will not be covered.
Alcohol and drug-related incidents Any incident - illness, injury, accident, loss - that occurs while you are under the influence of alcohol or drugs. This does not apply to prescription drugs taken as directed by a doctor.
Unauthorised hazardous activities Any hazardous or extreme activities without the Sports Cover add-on. Activities that are not arranged as part of your trip, not provided by a licensed company, or prohibited by law are also excluded.
Extreme high-risk activities (always excluded) BASE jumping · Free climbing · High-altitude activities above 4,500m · Heli-skiing or off-piste in unsafe areas · Racing any motorised vehicle · Free diving below 30ft (10m) without dive master · Personal combat sports. These remain excluded even with the Sports Cover add-on.
Travel against government advice If you travel to a destination that is subject to an official travel warning or advisory from your home government or the destination government, any loss directly or indirectly related to the reason for that warning is excluded.
Elective and non-emergency medical care Travel insurance covers emergencies only. Planned procedures, cosmetic surgery, fertility treatments, routine check-ups, long-term care, and any treatment you intended to receive before travel are all excluded.
Professional sports competitions Participating in or training for any professional, semi-professional, or amateur sporting competition while on your trip. Informal recreational activities organised by hotels or resorts are not excluded.
War, terrorism and political risk War, acts of war, terrorist events, political risk and nuclear events are generally excluded. Exception: emergency medical and emergency transportation remain covered even in a terrorist event.
COVID-19 general restrictions General government lockdowns, population-wide travel bans, and restrictions based on destination do not trigger COVID-19 benefits. The COVID-19 quarantine benefit only applies when you are individually mandated by name.

Frequently Asked Questions

We're here to help! Below are answers to some of the most commonly asked questions about Allianz travel insurance. If you need further assistance or have additional questions, please feel free to reach out to us at travel@nextcarehealth.com. Our team is ready to assist you.

About Allianz & Plans

Allianz is widely recognised as one of the leading travel insurance providers worldwide and in the UAE. It is voted the #1 global insurance brand for 7 years running, covers over 70 million travellers annually, and has 135+ years of industry expertise. For UAE travellers, Allianz offers comprehensive plans that cover medical emergencies, trip cancellations, baggage, COVID-19, and much more - with plans starting from just AED 50. 24/7 emergency assistance and a network across 240 countries make it a top choice for both residents and visitors.

Allianz Travel differentiates itself from other UAE providers in several key areas:

  • Global strength: #1 insurance brand worldwide for 7 consecutive years, backed by 135+ years of expertise and covering 70+ million travellers annually.
  • UAE-tailored plans: Purpose-built products for this market — Inbound to UAE, Schengen (visa-compliant), Hajj & Umrah, Senior, and Family plans — unlike generic one-size-fits-all policies from many local insurers.
  • Wider network: Access to pre-screened hospitals and assistance teams across 240 countries, with 24/7 multilingual emergency support via phoneline.
  • Faster claims: Dedicated online claims portal with streamlined documentation requirements — no need to chase paperwork through intermediaries.
  • Affordability: Plans starting from just AED 50, with transparent pricing and no hidden fees.
  • COVID-19 included as standard: All plans cover COVID-19 medical expenses and quarantine costs — not offered as standard by all competitors.

In short, Allianz combines the financial security of a global leader with the local relevance and accessibility UAE travellers need.

If you are a UAE resident travelling from Dubai internationally, choose between: the Schengen plan (for Europe/visa), Single Trip Global (worldwide trips up to 90 days), or Annual Multi-Trip (for 3+ trips per year). 

If you are visiting Dubai from abroad, the Inbound to UAE plan is specifically designed for you and covers emergency medical expenses up to AED 150,000.

Allianz Travel UAE offers three main coverage tiers: 

(1) Schengen / Basic: Covers emergency medical expenses to meet Schengen visa requirements. Minimum coverage, lowest price. 

(2) Standard: Adds coverage for baggage, trip cancellation, and curtailment on top of medical. 

(3) Premium: The most comprehensive plan with higher limits across all categories. Recommended for longer trips, higher-value travel, or those wanting maximum peace of mind.

Always review the Policy Document for exact limits per tier.

Coverage & Benefits

Allianz travel insurance plans cover emergency medical expenses (hospital stays, surgery, medication, dental), emergency medical evacuation and repatriation, trip cancellation and curtailment for covered reasons, missed or delayed departures (compensation after 4-hour delay), lost/delayed/stolen baggage and personal belongings, loss of travel documents, personal liability (legal fees and court costs), COVID-19 emergency medical expenses, and COVID-19 mandatory quarantine accommodation costs. Coverage limits vary by plan tier - Schengen, Standard, and Premium - with Premium offering the highest limits.

Yes. All Allianz Travel plans include COVID-19 specific benefits: emergency medical and associated expenses if you contract COVID-19 while travelling, and quarantine accommodation costs if you test positive and are required to isolate during your trip. These benefits apply to both outbound plans (UAE residents travelling abroad) and the Inbound to UAE plan (for visitors arriving in the UAE).

Standard Allianz travel insurance policies do not cover claims arising from pre-existing medical conditions. A pre-existing condition is generally defined as any condition for which you have received treatment, been prescribed regular medication, or been referred to a specialist in the 6 months prior to purchasing your policy. If you have an existing medical condition, you must complete the health declaration and review the health exclusions carefully before purchasing. Contact Allianz for guidance on whether your specific condition may be covered.

Standard Allianz travel insurance plans do not automatically cover high-risk activities. You must add the 'Sports Cover' add-on at the time of requesting quote to ensure coverage. Refer to the policy document for a full list of covered and excluded hazardous activities.

Yes. Allianz Travel Insurance includes personal liability cover, which pays for legal costs, court fees, and compensation claims if you are held legally responsible for injuring a third party or damaging their property while abroad. Specific limits apply per plan - refer to your policy wording for the exact coverage amount.

Eligibility, Purchasing & Pricing

Allianz Travel Insurance UAE is available to UAE residents of any nationality, aged 0 to 85 years.

Non-residents of the UAE who are visiting the country can purchase the Inbound to UAE plan.

Policies cannot be purchased once a trip has already begun - all purchases must be made before departure.

Coverage is available for travellers aged 0 to 85 years. There is no minimum age - infants are covered. Travellers aged 66 to 85 years should consider the Senior Travel plan, which is designed for the specific needs of older travellers and is available from AED 140.

Yes. Allianz offers a dedicated Family Travel Insurance plan covering a minimum of 2 adults with an unlimited number of dependent children, all under one policy and at a fixed family rate. This plan is available starting from AED 140 and covers all the same benefits as individual plans, including medical emergencies, trip cancellations, and baggage.

Children are covered under family travel insurance plans when travelling with their parents. However, if a child is travelling independently or with someone other than their parents, a separate policy should be purchased. Children travel at 50% off the adult rate. Always confirm coverage when children travel under non-standard circumstances.

No. Allianz Travel Insurance can be purchased independently of your travel bookings. You do not need to have booked your flights or accommodation through any specific agent or platform. Simply purchase your policy online at allianz-assistance.ae with your trip dates and destination details.

No. Travel insurance must be purchased before your trip begins. Any policy purchased after departure is not valid and claims will not be eligible. Allianz verifies purchase dates when processing claims, so it is essential to purchase your policy in advance - ideally at the time of booking.

Visit allianz-assistance.ae and click 'Get a Quote'. Select Single Trip or Annual Multi-Trip. Enter your destination(s), travel dates, and traveller ages. Choose your plan tier. Pay securely online via Visa or Mastercard.

Your policy documents and certificate of insurance are emailed instantly. The entire process takes under 5 minutes.

Allianz Travel Insurance UAE accepts Visa and Mastercard for online purchases. All payments are processed through a 100% secure, 40-bit SSL encrypted payment gateway. Allianz does not store your card details.

Policy Duration, Refunds & Changes

Single Trip plans cover trips up to 90 days. Annual Multi-Trip plans cover unlimited trips throughout the year, with no single trip exceeding 90 days.

Your coverage starts and ends on the dates you select at the time of purchase. For single trip policies, cover ends when you return to your home country or on the policy end date, whichever comes first. Annual multi-trip policies expire 12 months from the start date. Always ensure your travel dates are entered accurately when purchasing.

No. Unused days on a single trip policy are not refundable if you return home earlier than planned. Annual multi-trip policies provide flexibility - you are covered for any trip you take within the policy year, regardless of how many or few you use.

You can request a refund within 14 days of receiving your policy documents, provided your trip has not started.  After 14 days, policies are generally non-refundable. Contact Allianz at +971 4 270 8705 or travel@nextcarehealth.com.

Claims & Emergencies

To make a claim on your Allianz annual travel insurance:

  1. In case of a medical emergency, please contact our 24/7 emergency line immediately for medical emergencies: +971 4 270 8705, or alternatively send us an email on assistance@nextcarehealth.com
  2. For all other non-emergency reimbursement claims, you can file your claim through our online platform:   https://travelclaims.tatsh.cloud/
  3. Alternatively, you can also contact us via telephone on +971 4 270 8705, or send us an email on travel.claims@nextcarehealth.com.  We’re available from 8 AM to 8 PM, Monday to Friday.
  4. A dedicated claims assessor will review your case and contact you for any additional information. Approved claims are reimbursed per the policy terms.

File your claim as soon as possible after the incident - the sooner you submit, the faster the resolution.

Required documents vary by claim type:

  • Medical claims generally require: hospital invoices and treatment reports, prescriptions, and proof of travel (boarding passes, passport stamps).
  • Baggage claims require: airline property irregularity report (PIR), receipts or proof of ownership for lost items, and police report for theft.
  • Trip cancellation claims require: booking confirmation and receipts, and medical certificates or official evidence of the covered reason for cancellation.

Yes, claims will still be considered even without all receipts. You are expected to provide some proof of ownership - this can include photographs, warranty cards, bank or credit card statements, or manuals. Allianz uses common sense in evaluating evidence: the question is whether the documentation conclusively proves you owned the item.

Call the Allianz Travel 24/7 Emergency Assistance Line: +971 4 270 8705 from UAE, or WhatsApp +971 56 216 4563. The emergency team is available 24 hours a day, 7 days a week, to arrange emergency medical care, hospital admissions, and evacuation. You can also email assistance@nextcarehealth.com for non-urgent assistance queries.