Dubai Travel Insurance

​The United Arab Emirates has always been a popular tourist destination for Indian travellers. Among Sharjah, Abu Dhabi, Ras Al-Khaimah, and others, Dubai, with its sprawling skyscrapers and luxurious shopping malls, is the perfect destination for your next adventure.

From the unparalleled luxury and opulence of city life, before you embark on your journey to Dubai, you must secure your trip with the necessary Dubai trip insurance for added peace of mind and financial support.

Reliance travel plan for Dubai is the buddy you need to experience the magnificence of Dubai's extravagant malls and infrastructure in full glory. With Reliance Dubai travel insurance in place, you can have an impressive itinerary without any worry about uncertainties.

Is Travel Insurance Required for Dubai?

To enter and explore Dubai's vibrant life and culture, you do not need Dubai travel insurance. It is not a part of the mandatory visa and travel documents. However, you must still understand why travel insurance is needed for Dubai by assessing the various benefits of this policy for your next trip to Dubai.

So, if you are wondering, "Do I need travel insurance for Dubai?" Here are the benefits.

• Flight delays and cancellations coverage

• Baggage loss coverage

• Loss of passport coverage

• Medical expenses due to accidental injury and illness coverage

• Third-party liability coverage

• Hijack allowance

• Financial emergency assistance

• Compassionate visit, etc.

Types of Travel Insurance for Dubai from India

Benefits of Dubai Travel Insurance

Medical Coverage

With a Dubai insurance travel plan, you get ample financial support for medical emergencies to ensure you do not overspend your budget and the necessary treatment without compromise or hassle. This includes hospitalisation, medicines, diagnostic tests, and much more expenses.

Journey Support

Unexpected emergencies, such as family emergencies, health issues, man-made disasters, and natural calamities, can significantly impact your trip and result in trip delays, interruptions and cancellations. However, in such cases, Holiday Insurance Dubai acts as a financial safety net to reimburse your booking costs.

Third-Party Liabilities

During your trip, you might unintentionally cause unexpected damage or loss to a third party or their property. In such a situation, our best holiday insurance for Dubai ensures you get the necessary financial assistance to cover legal and compensatory expenses easily.

Peace of Mind

Even though travel insurance is not mandatory for a Dubai trip, investing in a policy protects you and your finances from unforeseen circumstances. Whether you lose your passport or checked-in baggage, travel insurance provides timely support and compensation to reduce inconvenience and ensure peace of mind.

Also Read - Travel Insurance To Dubai: How To Make The Most Of Your Trip

Reliance Dubai Travel Insurance

We offer the best travel insurance for Dubai with our Reliance Travel Insurance plans.

To ensure we cater to individual travellers' specific coverage needs and budget constraints, we offer four categories under our international travel insurance: standard, silver, gold, and platinum plans.

These plans are divided based on the scope of coverage each offers for different policy inclusions, providing travellers with complete convenience and freedom to choose a plan that aligns with their coverage requirements without compromising on budget.

Features of Reliance Dubai Insurance

Reliance Dubai Insurance: Inclusions & Exclusions

Inclusions

• Medical expenses in case of any illness or injury in Dubai (including in-patient treatments, radiotherapy, X-ray, etc.).

• Dental treatments related to acute anaesthetic procedures as a result of accidental injury.

• Personal liabilities to cover legal and compensatory expenses.

• Transportation expenses in case you must be taken to the nearest hospital or back to India.

• Daily hospital allowance for up to 7 days.

• Total loss of checked-in baggage

• Loss of passport

• Trip delays, interruptions, and cancellations due to unforeseen weather conditions, calamities and medical emergencies.

Exclusions

• Cosmetic procedures

• Mother and child care expenses

• Self-inflicted injuries

• War or nuclear attacks

• Mental disorders

• Sexually transmitted diseases

• Partial loss of checked-in baggage

• Travelling against the advice of a doctor

How to Buy Dubai Travel Insurance from Reliance General Insurance?

1. ​

   Step 1 - To buy Dubai travel insurance, you must Visit our Website > Click on "Explore Products > Find Travel Insurance > International Travel Insurance

2. Step 2- At the top of the new page, select the "Travel Type" between individual, family, student, and annual multi-trip. 

3. Step 3 - On the next page, enter all the required information to get a quote for travel insurance online in Dubai.

4. Step 4 - Based on your coverage needs, select the most appropriate plan to get updated quotes per new selections.

5. Step 5 - Once satisfied, make the premium payment online to complete the purchase. Upon successful payment, you can download your travel insurance document from our website.

Benefits of Buying Dubai Travel Insurance Online

• The quick and convenient process to buy travel insurance online for the Dubai plan allows you to purchase a policy of your choice from anywhere in the world without any hassle.

• The process to buy travel insurance Dubai online ensures complete transparency from start to end, allowing you to be aware of what you are paying for and what costs are involved in the total premium calculation.

• The online process also allows you to compare different policy premiums and inclusions to decide which travel insurance best suits your needs and budget.

• When you buy an online travel insurance policy for Dubai, your personal information is secured with top-notch technologies, ensuring maximum safety and faster information retrieval.

• Lastly, online purchases provide paperless policies that reduce the stress and hassle of carrying physical documentation and attending in-person appointments.

How to Raise a Claim under Dubai Travel Insurance?

1. Notify Us - You must file a Dubai insurance claim within 24 hours of the event's occurrence. You can contact us at our Europ Assistance address or our Claims Helpline Numbers.

2. Collect Necessary Documents - Next, you need to collect all the necessary documents based on the type of claim. Other than a claim form, the additional documents vary for each claim category.

3. File your Claim - Once you have all the documents, submit the claim form and documents to us for verification.

4. Claim Settlement - Your claim request will be approved or rejected after evaluation. The benefits will be reimbursed in your registered bank account or settled directly with the hospital or entity in charge if approved.

Also Read - Documents Required to Register a Claim: Inland Travel

Cost Range for Dubai Travel Insurance

The cost of travel insurance to Dubai can vary based on various factors and specific traveller needs. Let us look at them below -

• Coverage - The level of coverage you require for your Dubai trip directly impacts the Dubai travel insurance cost. Higher coverage will be more expensive than limited coverage plans.

• Trip Duration - The duration of your Dubai trip also impacts the travel insurance Dubai price, as shorter trips are less expensive than longer trips due to the requirement of extensive coverage for more days.

• Choice of Insurer - Different travel insurance providers offer different premium quotes for their plans. Thus, you must choose your insurer carefully after comparing various plans to find the plan and coverage that fits your budget.

• Policy Inclusions and Exclusions - The kind of policy inclusions and exclusions also impact the cost of Dubai travel insurance. If a policy offers extensive coverage for specific medical conditions, the price will be higher than plans that provide basic inclusions.

• Age - In some cases, your age also impacts the cost of travel insurance. For instance, a young traveller with basic coverage needs will enjoy a cheaper travel insurance premium than senior citizens with higher coverage needs.

Tips to Buy Best Travel Insurance for Dubai?

1. Assess your Needs - The first tip is to assess your coverage needs and budget. This depends on multiple factors such as number of travel companions, age of travel companions, duration of the trip, medical conditions, etc.

2. Compare Plans - Based on the assessment, you must compare different plans offered by insurers to determine which plan aligns with your coverage requirements and budget.

3. Online Convenience - The next tip is to check for the online convenience offered by different insurers. This includes the availability and ease of online policy purchases and claim requests for maximum comfort.

4. Sum-Insured Options - Look for plans that offer a range of sum-insured options to provide customisation flexibility according to travellers' specific needs. We offer sum-insured options with up to USD 500,000 coverage to easily cater to all your requirements.

5. Insurer CSR - An insurer's claim settlement ratio (CSR) is a significant factor when choosing the best travel insurance for Dubai. This is because it indicates the efficiency of their claim settlement procedures and approvals. 

6. Customer Support - Another tip to choose the best travel insurance for Dubai is to choose an insurer that offers ample customer support to help you with instant query resolutions in times of need.

Also Read - How to Choose the Right Travel Insurance

Dubai Visa and Entry Information

Is There a Dubai Visa on Arrival?

A Dubai visa-on-arrival is available for Indian citizens, which allows them to stay in UAE for a maximum of 14 days with an extension of 14 days if required by paying an additional fee. However, to avail of this facility, you must meet the following criteria -

• Your passport has a visit visa issued by the United States of America.

• You are a USA green card holder.

• You have a residence visa issued by the European Union.

• You have a residence visa issued by the United Kingdom.

Types of Visas for Dubai

Application Process for Dubai Visa

• Visit the VFS Global website.

• Assess and choose the right visa category.

• Select "Begin Your Application" and click "Download the Visa Application Form" to proceed.

• Download the application form, print it out, and fill it out with the necessary information.

• Collect all necessary documents applicable to your chosen visa category and attach them with the form.

• Next, visit the closest visa application centre and submit the visa application form and documents to the authorised officer.

• After submission, make the Dubai visa fee payment at the VAC and collect the receipt,

• Now, you must wait for the final approval.

Dubai Visa Requirements for Indian Citizens

1. A duly filled and signed visa application form.

2. Original passport with 2 blank pages and a validity of at least 6 months from the date of arrival in Dubai.

3. Coloured copies of the last two pages of the passport.

4. 2 clear passport-size photographs.

5. Flight tickets to and from Dubai.

6. Proof of funds - photocopies of last 2 years ITR, salary slips, etc.

7. A clear photocopy of the PAN card (case-specific requirement).

8. Proof of visa fee payment.

9. NOC from a parent or husband along with their photo IDs (for females above 18 years travelling solo to Dubai).

10. Invitation letter from Dubai resident (if you are visiting and staying with family or relatives).

11. A confirmed admission letter from a university or institute in Dubai (for a student visa).

12. Letter of employment from a Dubai employer (for a work visa).

Embassy of Dubai in India

Tips to Avoid Dubai Visa Rejections

1. State the purpose and duration of the visit clearly on your visa application form.

2. Submit the correct documents and ensure they are all translated into English.

3. Cross-check all the information added to the visa application form to avoid errors and gaps.

4. Ensure you have sufficient funds in your bank account to cover your expenses throughout the trip.

5. Book your to and fro flights to Dubai before submission of your visa application.

6. Apply for the right visa type.

7. Ensure your photographs match the specifications and guidelines.

Best Time to Visit Dubai

Money-Saving Tips for Dubai

1. Public Transport - Use public transport to explore Dubai. The network of buses, trams, and metro ensures maximum connectivity at affordable ticket prices.

2. Free Tourist Attractions - In your travel itinerary, include free tourist attractions such as Dubai Mall, Jumeirah Beach, and Dubai Fountain to save money while exploring the city.

3. Accommodation - Consider alternative accommodation options rather than hotels in the city centre to find reasonable deals on service apartments, guesthouses, etc.

4. Shopping Deals -The Dubai Shopping Festival, from 13 December 2024 to 19 January 2025, is a great time to fulfil your shopping list with discounted prices and other money-saving deals.

5. Travel Dates - Be flexible with your travel dates to purchase the cheapest tickets. Moreover, avoid booking during the peak season for better deals.

6. Food - Explore local Arabic food from street vendors to enjoy authentic taste while saving money.

Also Read -Best Areas to Stay in Dubai for a Family Holiday

Year-Round Essentials for Dubai

• Sunglasses - The sun is out most of the year in Dubai, so you must always carry sunglasses.

• Sunscreen - Wear sunscreen every time you step outside to avoid sun damage, regardless of the season and weather conditions.

• Modest Clothes - Dubai is home to many religious places and is very specific about what you wear in public spaces. Thus, when visiting religious tourist attractions, be careful about what you wear.

• Comfortable Clothing - For general everyday wear, wear comfy and breathable clothes and a light jacket, as the weather in Dubai is usually pleasant but might get chilly in the evenings.

• Walking Shoes - There is so much you can explore on foot in Dubai, especially the Dubai Mall, which requires a lot of walking. Thus, you must pack comfortable walking shoes in your baggage.

• Reusable Water Bottle - In Dubai, water and fuel prices are similar and extremely high. Thus, it is recommended that you bring or buy a reusable water bottle to stay hydrated in the heat without spending too much.

• Type G Adapter - Dubai offers Type-G plugs for charging, so you must buy an adapter to charge all your electronics without hassle.

• First Aid - When travelling to Dubai, you must carry all your prescriptions, required medicines, and some general medications to handle medical emergencies quickly.

Dubai Safety and Precautions

1. Memorise the emergency contact numbers 999 for the Police and 998 for the Ambulance to get urgent assistance.

2. Respect the local customs to avoid offending the locals and getting penalised.

3. Avoid eating and drinking on public transport as it is prohibited and attracts fines.

4. Do not engage in public displays of affection (kissing, holding hands with the opposite gender, hugging, etc.) when in public spaces to avoid fines and other legal consequences.

5. No dancing in public as it is considered out of character, so avoid it to reduce the risk of unwanted public animosity.

6. When exploring the various beaches in Dubai, remember to swim in the designated areas only to prevent life-threatening incidents and injuries.

Popular Destinations in Dubai

1. Dubai Miracle Garden

2. Global Village

3. Burj Khalifa

4. Burj Al Arab

5. Palm Jumeirah

6. Dubai Mall

7. Ski Dubai

8. Dubai Fountain

9. Dubai Frame

10. Museum of the Future

11. Wild Wadi Water Park

12. Dubai International Financial Centre

13. Jumeirah Mosque

Best Things to Do/Experience in Dubai

• Desert Safari - Experience the desert like never before with dune bashing, traditional performances, delicious food, and camel riding under the stars.

• La Perle - One of the newest experiences added to Dubai's to-do list is La Perla. You can enjoy live performances of various aquatic, acrobatic, and aerial acts at this state-of-the-art theatre in Al Habtoor City.

• Topgolf - Everyone must play golf at the Topgolf in Dubai. You can explore different bays, games, drinks, food, and much more alone or with family members of all ages.

• Zipline with XLine Dubai Marina - If you want to enjoy the breathtaking views of the Dubai Marina, book a ride at the largest urban zipline in Dubai for an unforgettable experience.

• Burj Khalifa At The Top - Buy entry passes for floors 124 and 148 of the famous Burj Khalifa to enjoy panoramic views of beautiful Dubai. You can also buy souvenirs for friends and family here.

• Theme Parks- Dubai has various theme parks, such as IMG Worlds of Adventure and Aquaventure Waterpark. So, book a day to explore them and enjoy entertainment, activities, rides, and more for visitors of all age groups.

• Dhow Cruise - Book a cruise ride along the Dubai Marina or Dubai Creek to explore Dubai on the water while enjoying live music, entertainment, a buffet and the city's skyline.

Frequently Asked Questions On Dubai Travel Insurance

Is medical screening mandatory to purchase Dubai travel insurance?

No, for most insurers, you do not need to go through a medical screening for a travel insurance policy. However, this is only applicable to travellers under the age of 45 years.

Is there any facility for cashless claims with travel insurance plans from Reliance General Insurance?

Yes, Reliance General Insurance offers a worldwide cashless claim facility to ease the claim settlement process for the insured. In this facility, the claims are settled directly with the respective hospital, department, or other entities on your behalf, reducing your upfront expenses.

What will happen to my non-refundable booking expenses if I cancel my trip due to a medical emergency?

If you need​ to cancel your travel plans to Dubai due to a medical emergency, you can get reimbursed for the non-refundable expenses paid towards flight and accommodation bookings. However, this is only applicable if you have a travel insurance plan for Dubai.

Disclaimer: *T&C apply. Details mentioned here are for Reliance Travel Care Policy, UIN: RELTIOP08002V010708. Sum Insured: The mentioned Sum insured amount is applicable only under Reliance Travel Care Policy– Platinum Plan. Total loss of checked baggage: The maximum amount payable per checked-in baggage in case more than one bag has been checked in, is 50% (100% for only one checked-in baggage) of the applicable Sum Insured and per item in baggage max 10%.