Filipino Guide to Getting Travel Insurance for Dubai

When traveling to Dubai, it is highly recommended to purchase travel insurance to protect yourself from unexpected expenses, especially in a country where healthcare costs can be high. While travel insurance is not mandatory for visiting Dubai, it is required to obtain a UAE visa. 

Are you a Filipino looking to take a well-deserved vacation in Dubai? Are you looking to safeguard your journey in Dubai with health insurance? In this Pacific Prime Dubai blog post, we will be going over travel insurance in Dubai for Filipinos to ensure your vacation is safe and well-spent.

Understanding Travel Insurance for Dubai

Travel insurance covers financial losses under unexpected circumstances that could ruin the trip, such as illnesses and injuries as well as transportation delays. Under medical emergencies, travel insurance covers treatment costs, repatriation, and medical evacuation. 

If you wish to relocate to Dubai, travel health insurance won’t work as it does not meet the Dubai Health Authority (DHA)’s health insurance requirement for a residence visa. In that case, international or expat health insurance is strongly recommended.

Benefits and Considerations for Dubai Travel Insurance

There are various benefits of Dubai travel insurance such as medical emergency and trip disruption coverage. However, with these benefits, there are also some factors to consider. Below are the different benefits of Dubai travel insurance and some considerations to keep in mind. 

Using Marketplace Comparisons

Additionally, with marketplace comparisons, you can also easily compare policies from different insurers, which also saves you time so you don’t have to contact multiple insurers at once. Below are the benefits of using marketplace comparisons when seeking out travel insurance. 

• Convenience: You can effortlessly compare different policies available from various insurance providers. 

• Saves time: You won’t have to contact individual health insurance companies.

• Transparency: You get to clearly see the coverage details and the prices of each policy available. 

• The Choice is Yours: Last but not least, you get to choose the policy that suits both your budget and unique healthcare needs.  

Coverage Areas

When purchasing travel medical insurance for your trip to Dubai, it is important to ensure that the policy provides comprehensive coverage to protect you in the event of unexpected situations. Here are the key aspects that your Dubai travel insurance should include:

1. Medical Emergencies: Travel insurance should cover medical expenses, including ambulance services, emergency room visits, surgical procedures, doctor’s consultations, hospitalization, and the cost of prescribed medication. 
2. Trip Disruption: Your policy should provide coverage for non-refundable reservations or deposits in case your trip is disrupted due to unforeseen circumstances such as flight cancellations, delays, or personal emergencies.
3. Loss of Personal Belongings: It is important to have coverage for the loss or theft of personal belongings, including luggage, passports, and valuable items. This will help mitigate the financial impact of such incidents during your trip.
4. Emergency Evacuation or Repatriation of Mortal Remains: Your insurance should include coverage for emergency evacuation to the nearest suitable medical facility or repatriation of mortal remains in case of a medical emergency or unfortunate event resulting in loss of life.

Additional Coverage

If you intend to engage in high-risk activities such as extreme sports, automobile racing, scuba diving, or skiing during your trip to Dubai, it’s recommended to contact your insurance provider to inquire about any available options for additional coverage. 

They may offer specific packages or riders that can be added to your existing policy, ensuring that you are adequately protected during these thrilling adventures.

Exclusions

Despite its various coverage areas, travel insurance does have its share of exclusions. For instance, travel insurance does not cover high-risk areas such as war zones, areas of terrorism, or crisis and disaster relief zones. 

Most insurers do not cover pre-existing conditions while some may still cover them at the cost of waiting periods or higher premiums.

Your Dubai travel insurance policy will also not cover you if you:

• Sustain injuries from high-risk activities that aren’t included in your policy.
• Sustain injuries from intoxication.
• Sustain injuries from your own recklessness.
• Have a doctor’s check-up for any pre-existing condition.
• Lose or damage any of your belongings due to your own recklessness. 
• Miss or need to cancel a flight for any reason not included in your policy. 

Cost of Travel Insurance for Dubai

The cost of travel insurance will depend on various factors such as the age of the insured, duration of the trip, coverage areas, the number of people under the policy, and if there are any add-ons. 

As an experienced insurance broker, Pacific Prime Dubai can help you compare travel insurance plans from various insurers and find the right plan that suits your healthcare needs and budget. You can also use our online quotation tool to make price comparisons.  

FAQ

Is travel insurance required when visiting Dubai?

Travel insurance is optional for visiting Dubai unless you need a visa to enter. However, proof of travel insurance is required when applying for a UAE visa. It is highly recommended to have travel insurance to cover any medical emergencies or unexpected expenses during your trip.

Where can I get travel health insurance for Dubai (UAE)?

Travel health insurance for Dubai can be obtained through a travel insurance company in your country or through comparison marketplaces like Insubuy. These platforms allow you to compare different insurance policies and choose the one that best suits your needs.

What should travel insurance for Dubai include?

Travel insurance for Dubai should cover medical emergencies, trip disruption, loss of personal belongings, and emergency evacuation or repatriation of mortal remains.

Will my UAE travel medical insurance cover all my activities?

Standard travel insurance policies usually exclude high-risk activities, such as skydiving, dune bashing, scuba diving, car racing, and skiing. However, if you plan to participate in these activities, it is important to check with your insurance provider if additional coverage can be purchased.

Is Dubai travel insurance expensive?

The cost of travel insurance for Dubai varies based on the duration of your trip, coverage amount, age, and the number of people included in the plan. Be sure to research and compare different insurance policies to find the best coverage that fits your budget.

Conclusion

In conclusion, when heading to Dubai for a trip, travel insurance is your reliable source for coverage during your well-deserved break overseas. While there are exclusions, basic coverage such as medical emergencies or trip delays will be more than enough to satisfy Filipinos heading to Dubai. 

As an experienced international health insurance broker, Pacific Prime Dubai has a team of specialists who are more than happy to help both local citizens and expats find the right health insurance plan that matches both their budget and healthcare needs.

If you have any further questions, please get in touch with us. Additionally, if you would like to compare plans between multiple insurers, you can get a free quote with us here. 

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Serena

Senior Content Creator at Pacific Prime United Arab Emirates

Serena Fung is a Senior Content Creator at Pacific Prime, a global insurance brokerage and employee specialist serving over 1.5 million clients in 15 offices across the world. With 2+ years of experience writing about the subject, she aims to demystify the world of insurance for readers with the latest updates, guides and articles on the blog.

Serena earned her Bachelor’s Degree in Psychology from the University of British Columbia, Canada. As such, she is an avid advocate of mental health and is fascinated by all things psychology (especially if it’s cognitive psychology!).

Her previous work experience includes teaching toddlers to read, writing for a travel/wellness online magazine, and then a business news blog. These combined experiences give her the skills and insights she needs to explain complex ideas in a succinct way. Being the daughter of an immigrant and a traveler herself, she is passionate about educating expats and digital nomads on travel and international health insurance.

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