Travel insurance Dubai

Is Travel Insurance Required for Entry?

Medical insurance is not mandatory for entry into Dubai or the Emirates for Russian tourists and many other nationalities. You will not be asked to show a policy at the border.

However, even for short trips to Dubai, Fujairah, or other cities, it is highly recommended to have insurance. Healthcare in the Emirates is high-quality but expensive, making insurance a vital financial safeguard.

Without insurance, even minor issues like food poisoning, dental pain, or chronic condition flare-ups can result in massive medical expenses:

• Doctor’s consultation: $200–500
• Ambulance call: from $1,000
• Treatment of a broken arm or leg: $5,000–15,000
• Hospitalization for serious conditions (e.g., pneumonia or appendicitis): $20,000–50,000+

Unexpected incidents like sunstroke, allergic reactions, or injuries during excursions (e.g., dune buggy rides) can happen at any time. A travel insurance policy ensures that in such events, costs are covered, and high-quality assistance is provided.

How Much Does Travel Insurance Cost in the Emirates?

The cost depends on several factors:

• Trip duration: Longer trips cost more overall but are cheaper per day.
• Coverage amount: A $50,000 policy costs more than $30,000.
• Age of traveler: Seniors and young children often face higher premiums.
• Included options: Coverage for accidents, car rental, luggage loss, or trip cancellation increases the price.

The average cost for one adult for a one-week trip ranges from 1,000 to 2,500 RUB. Final pricing depends on coverage, included services, and insurance company.

What Does Travel Insurance Cover in Dubai?

Coverage varies by policy. A standard plan usually includes:

• Emergency medical assistance for sudden illness or accidents
• Telemedicine consultations
• Prescription medications
• Assistance for sudden exacerbation of chronic illnesses (within limits)
• Dental care for acute pain
• Repatriation

Optional extensions may include:

• Accident insurance
• Luggage loss or delay coverage
• Legal assistance
• Third-party liability
• Full COVID-19 treatment

Always read the policy carefully to understand what is covered and compare multiple offers to find the best value.

How to Choose Travel Insurance for Dubai and the Emirates

• Determine minimum coverage: At least $50,000 is recommended due to high medical costs.
• Compare policy details, not just price: Ensure coverage includes COVID-19, dental emergencies, chronic conditions, and burns.
• Active tourism: Check if injuries from quad biking, scooters, or diving are included.
• Franchise (deductible): A free franchise is preferable — the insurance pays directly without requiring upfront payment from you.
• 24/7 support in your language: Make sure the policy provides round-the-clock support.
• Exclusions: Check carefully, especially for alcohol-related incidents. Some insurers offer optional coverage for these.
• Insurance company reputation: Prefer reliable companies with verified reviews and local clinic networks.

Choose insurance based on coverage quality, not only cost. A well-selected policy ensures you receive help without financial surprises.

FAQ — Travel Insurance in Dubai

Is insurance required for entry into Dubai?

No, it’s not mandatory at the border. However, it is highly recommended to protect against unforeseen medical expenses.

Does insurance cover COVID-19 treatment?

Yes, most modern policies include COVID-19 coverage. Check the policy details before purchase.

What coverage amount is recommended?

At least $50,000, to account for high medical costs in Dubai and the Emirates.

What to do in case of an insured event?

Call the insurance service immediately (number provided in the policy) and follow instructions. Keep all medical documents and receipts. Do not make independent treatment decisions.

Do I need to declare chronic illnesses?

Standard insurance covers sudden exacerbations, not planned treatment. Declaration is usually not required.

Are extreme sports covered?

Standard policies do not cover injuries from extreme sports. Extended coverage is required for activities like quad biking or diving.

Can insurance be extended if I stay longer in Dubai?

Yes, most insurers allow online extensions before the policy expires.

What is not covered in a standard policy?

Pre-existing conditions (except sudden exacerbations), routine dental care (except acute pain), injuries under alcohol or drug influence (unless covered by optional extension), and intentional self-harm.

Carefully read the terms before purchasing. Coverage and services vary between insurance companies.