How Much Does Travel Insurance Cost in UAE? 2026 Guide

UAE Travel Insurance Cost at a Glance

What Does UAE Travel Insurance Cost Actually Mean?

Travel-insurance cost is the premium charged for a particular insurance contract based on the information submitted and the protection selected.

That sounds simple, but it is important because “the cost of travel insurance in UAE” is often presented online as though one market-wide price exists.

It does not.

Two UAE residents travelling on the same date can receive different quotes because they may have different:

• ages;
• destinations;
• trip durations;
• policy tiers;
• family structures;
• geographical zones;
• medical circumstances;
• optional benefits; or
• insurance providers.

Even the same traveller can receive different premiums when comparing a basic plan against a broader plan with higher emergency-medical, cancellation, baggage or liability limits.

Therefore the meaningful question is not:

“What is the one UAE travel-insurance price?”

It is:

“What is the price for a policy that covers my specific traveller profile, destination, dates and required benefits?”

Why Is There No Fixed Travel Insurance Price in UAE?

Insurance pricing is based on product design and risk assessment. Different insurers can also structure products differently.

The Central Bank of the UAE regulates and licenses insurance companies operating within its framework, and its current licensing register includes an Entity List of 2026. However, that regulatory role should not be confused with setting one retail travel-insurance premium for every traveller.

Insurers offer different:

• benefit levels;
• geographical territories;
• age rules;
• trip-duration limits;
• family structures;
• annual policy structures;
• deductibles;
• exclusions; and
• underwriting criteria.

Current product pages demonstrate this variation.

For example, Sukoon currently publishes separate Elite, Ultimate, Family, Annual Individual and Annual Family structures under Travel Easy. Their published benefits differ materially, including emergency medical, cancellation, baggage and personal-liability limits.

Watania Takaful also states that contributions can vary according to whether travel includes destinations such as the USA and Canada or the Schengen area.

That is why a responsible cost guide should explain pricing factors rather than pretending that every resident can buy the same plan for the same amount.

Current Provider-Published Travel Insurance Price Examples

Consumers searching for cost understandably want some real numbers.

The safest way to provide them is to clearly identify them as provider-published starting prices, checked on a specific date, rather than calling them UAE averages.

For example, as checked on August 29, 2026, Allianz Travel UAE publicly advertised several starting-price examples on its own UAE website, including:

These examples are useful because they show that different product types can begin at substantially different prices even within one provider.

They should not be interpreted as:

• the cheapest available UAE market prices;
• guaranteed quotes for your trip;
• average UAE premiums;
• permanent prices; or
• proof that one insurer is cheaper than another.

Your actual quote can be different.

BRERPSoft recommends using published starting prices only for orientation and using the insurer’s current quote process for the final premium.

How Does Destination Affect UAE Travel Insurance Cost?

Destination is one of the most important pricing variables because insurers can divide travel into geographical territories.

An insurer might distinguish between:

• Schengen / Europe;
• regional travel;
• worldwide excluding the USA and Canada;
• worldwide including the USA and Canada;
• specific pilgrimage or GCC products; or
• other geographical structures.

Watania Takaful’s current travel information explicitly states that contributions can vary when travelling to the USA and Canada or the Schengen area.

This provides a useful first-party example of why destination changes the quote.

When comparing prices, make sure every quote covers the same geographical territory.

A low-cost “worldwide excluding USA/Canada” quote should not be compared directly with a policy that includes North America.

Likewise, a Schengen-specific visa product should not automatically be compared with a broader worldwide comprehensive plan.

How Much Does Schengen Travel Insurance Cost From UAE?

There is no single Schengen insurance premium for all UAE residents.

What is fixed is the relevant legal requirement for applicants who need qualifying Schengen travel medical insurance.

Article 15 of the Schengen Visa Code requires relevant uniform-visa applicants to hold adequate and valid travel medical insurance covering expenses that may arise from:

• medical repatriation;
• urgent medical attention;
• emergency hospital treatment; and
• death.

The policy must cover the intended stay or transit and the relevant Member State territory, with a minimum coverage of EUR 30,000.

The law does not establish one retail premium in AED.

Your Schengen policy cost can still change according to:

• your age;
• trip length;
• number of travellers;
• selected insurer;
• additional cancellation cover;
• baggage protection;
• higher medical limits; and
• other benefits.

A traveller whose only objective is satisfying the applicable visa-medical requirement may choose to compare more basic compliant options.

Another traveller taking an expensive European holiday may value substantially higher cancellation or baggage benefits.

For the full legal and document framework, use our

Schengen Travel Insurance From UAE guide
.

Why Can USA and Canada Travel Insurance Cost Differ?

Some insurers place the USA and Canada into a separate geographical pricing category.

The important point is not to invent one mandatory medical limit for North America.

BRERPSoft does not state that CBUAE requires every UAE resident travelling to the USA to buy exactly USD 250,000, USD 500,000 or USD 1 million of medical protection.

Instead, check:

• whether your selected territory includes the USA and Canada;
• the emergency-medical benefit;
• the deductible;
• medical evacuation;
• pre-existing-condition rules;
• trip cancellation;
• trip duration; and
• assistance procedures.

A policy including a broader geographical zone or higher benefit level can cost differently from a regional or Europe-only product.

The price difference should therefore be considered alongside the actual coverage difference.

What About Travel Insurance Cost for GCC Trips?

Short trips within the Gulf may appear simpler, but the same pricing principles still apply.

Your quote can depend on:

• destination country;
• trip duration;
• traveller age;
• medical cover;
• number of travellers;
• cancellation benefits;
• activities; and
• any destination-specific insurance requirements.

Do not assume a generic “GCC policy” automatically satisfies separate visa-linked health-insurance requirements imposed by another Gulf country.

For example, Saudi Arabia operates its own visitor/tourist health-insurance frameworks for relevant visa categories. A UAE outbound travel policy and Saudi visa-linked health insurance are different concepts.

Therefore price them separately where both apply.

How Does Trip Duration Affect Travel Insurance Cost?

Single-trip travel insurance is normally tied to a defined journey and period.

A longer trip extends the time during which insured events might occur, so duration can influence the quote.

This does not mean the premium increases by exactly the same amount every day.

Avoid calculating:

“15-day policy premium ÷ 15 = permanent daily insurance rate.”

Travel-insurance pricing does not necessarily work as a simple linear daily tariff.

Policies can use:

• duration bands;
• minimum premiums;
• different trip-length thresholds;
• maximum trip durations; or
• different annual-policy rules.

When comparing a 7-day and a 30-day trip, obtain separate quotes rather than multiplying a short-trip price.

How Does Age Affect Travel Insurance Cost in UAE?

Age can influence both eligibility and premium.

But there is no responsible basis for saying:

“Everyone aged 70 pays three times more and everyone aged 76 pays four times more.”

Current UAE products use different age rules.

For example:

• GIG Gulf’s current Travel Smart eligibility is age 70 or below;
• Watania publishes age limits including 70 for single-trip outbound and 65 for multi-trip outbound cover;
• Allianz publishes a dedicated senior plan for ages 66 to 85.

Those differences show why age should be entered accurately into each quote tool.

A person’s age can affect:

• which product is available;
• the premium;
• the maximum trip duration;
• annual-policy eligibility;
• medical questions; and
• activity extensions.

How Much Does Travel Insurance Cost for Seniors?

Senior travel-insurance pricing deserves its own explanation because it is especially easy to overgeneralise.

A current provider-published starting price can be useful, but it must be labelled precisely.

For example, Allianz currently advertises its UAE Senior Travel plan from AED 140, while stating that exact premiums depend on:

• the traveller’s exact age;
• destination;
• trip duration; and
• Standard or Premium plan selection.

This does not establish AED 140 as the “UAE senior travel-insurance price.”

Another insurer can use different eligibility, benefits and pricing.

For a person over 70, compare age eligibility before cost. A cheap quote is irrelevant if the product does not accept the traveller’s age.

Use our dedicated

Travel Insurance for Senior Citizens Over 70

guide for the current age-limit framework.

How Much Does Family Travel Insurance Cost in UAE?

Family pricing can use a different structure from simply adding several individual policies together.

Different insurers define “family” differently.

You should check:

• how many adults can be included;
• children’s age eligibility;
• whether everyone must travel together;
• whether grandparents are eligible under the family product;
• medical benefits per person;
• family aggregate limits;
• cancellation limits; and
• baggage limits.

Current UAE product structures show why this matters.

Sukoon publishes separate Family and Annual Family Travel Easy options.

Allianz currently markets dedicated Family Single Trip and Family Annual Multi Trip products and states that older relatives who fall outside its family age rules may need a separate Senior Travel policy.

Therefore a “family price” is not always directly comparable with buying several individual policies.

For detailed eligibility and benefit considerations, use

Family Travel Insurance UAE
.

Annual Multi-Trip vs Single-Trip: Which Costs Less?

There is no universal number of trips at which annual travel insurance automatically becomes cheaper.

The correct answer depends on the quotes you receive and how you travel.

An annual policy may be attractive for someone taking multiple eligible trips, while single-trip policies may remain more suitable for a person travelling only once.

Compare:

• annual premium;
• number of expected trips;
• single-trip premiums;
• maximum duration per journey;
• geographical territory;
• age eligibility;
• family eligibility;
• medical limits;
• cancellation benefits; and
• activities or extensions.

As a current provider-specific illustration, Allianz advertises an Annual Multi-Trip Standard plan from AED 664 and Premium from AED 895, with trips up to 90 days under its current product structure.

Those are Allianz-published examples, not UAE market averages and not a promise that annual cover will be cheaper for every traveller.

For the complete decision framework, see

Annual Multi-Trip Travel Insurance UAE
.

Do Higher Medical Limits Increase Travel Insurance Cost?

Policies with higher benefit levels can be priced differently, but medical limit is only one part of the contract.

Current Sukoon Travel Easy information illustrates the scale of product variation. Its published plan table currently lists different emergency accident and sickness medical limits across Elite, Ultimate, Family, Annual Individual and Annual Family products.

The same table also changes:

• cancellation benefits;
• baggage limits;
• personal liability;
• emergency dental benefits; and
• other travel benefits.

Therefore a higher-priced plan should not be described simply as:

“You pay more only because the medical limit is larger.”

The entire package can differ.

When comparing price, record the medical benefit but also compare the rest of the policy.

Does Medical Evacuation Affect Travel Insurance Value and Cost?

Medical evacuation can be a major component of travel protection.

It should be reviewed separately from ordinary emergency treatment.

Check:

• whether medical evacuation is included;
• whether it forms part of the medical limit;
• whether it has a separate sub-limit;
• who decides that evacuation is medically necessary;
• prior-authorisation requirements;
• repatriation rules; and
• repatriation of mortal remains.

Current Sukoon Travel Easy plan information includes emergency medical evacuation across its listed plan structures, but the detailed policy conditions still control how the benefit works.

For detailed coverage rather than pricing intent, continue to

Medical Evacuation and Repatriation Travel Insurance UAE
.

How Can Trip Cancellation Protection Affect the Premium?

Travel insurance is not only about overseas medical emergencies.

Some policies also protect eligible non-refundable travel expenses when a trip must be cancelled for a covered reason.

A traveller with expensive:

• flights;
• cruises;
• hotels;
• tours;
• event bookings; or
• prepaid transport

may value a higher cancellation benefit more than someone whose bookings are fully refundable.

When comparing two premiums, ask:

• What is the cancellation limit?
• What reasons qualify?
• What deductible applies?
• How are pre-existing conditions treated?
• When does cancellation protection begin?

A cheaper policy can have less cancellation protection, which means the lower premium may reflect a different product rather than a better deal.

Do Baggage and Travel-Delay Benefits Affect Cost?

Broader plan tiers can include higher baggage, delay and personal-effects benefits.

Compare:

• total baggage limit;
• per-item limit;
• electronics or valuables limit;
• baggage-delay waiting period;
• delayed-departure benefit;
• missed-departure cover;
• passport replacement; and
• required evidence.

Current Sukoon product tables, for example, show different baggage and cancellation limits between plan tiers.

That is why two policies with apparently similar medical coverage can still have different prices and different overall value.

Do Pre-Existing Medical Conditions Increase UAE Travel Insurance Cost?

They can affect the insurance process, but there is no universal UAE surcharge such as “40–80% extra.”

That type of fixed percentage should not be published unless it comes from a reproducible, dated quote for a specific person and policy.

Depending on the insurer and product, a pre-existing condition may:

• be excluded;
• require disclosure;
• require additional information;
• affect eligibility;
• be handled under specific underwriting terms; or
• be treated differently depending on the medical circumstances.

Do not assume that paying a higher premium automatically converts an excluded condition into covered treatment.

Read the actual policy and medical declaration.

For the complete UAE framework, use

Pre-Existing Conditions Travel Insurance UAE
.

How Does the Deductible Affect Travel Insurance Pricing?

The deductible or excess is the amount specified by the policy that may remain payable by the insured before or as part of an eligible claim.

Policies can structure deductibles differently.

When comparing premiums, record:

• medical deductible;
• baggage deductible;
• cancellation deductible; and
• any age- or benefit-specific excess shown in the policy.

Do not assume that zero deductible is universally required for all Schengen policies.

Article 15 establishes the relevant medical-insurance requirement but does not create a general statement that every qualifying policy everywhere must have zero excess.

Therefore compare the actual visa requirements and policy terms rather than relying on generic marketing claims.

Does Travel Takaful Cost Differ From Conventional Travel Insurance?

Travel Takaful should be evaluated as its own product structure rather than assumed to be automatically more expensive or cheaper.

The UAE market includes both conventional insurance and Takaful providers.

Watania currently offers outbound Travel Takaful for UAE nationals and UAE residents, including individual, family and Schengen options.

Its current information expressly states that contributions can vary for destinations such as the USA/Canada and Schengen area.

When comparing Takaful with conventional insurance, make sure you compare:

• geographical territory;
• medical limit;
• trip cancellation;
• baggage;
• travel delay;
• age eligibility;
• trip duration; and
• the actual premium or contribution.

Do not conclude that one structure is cheaper without equivalent quotes.

How to Compare UAE Travel Insurance Quotes Correctly

This is the most important practical section of the entire cost guide.

If the inputs are different, the price comparison is unreliable.

Use the same:

• traveller age;
• number of travellers;
• destination;
• travel dates;
• trip length;
• geographical territory;
• medical disclosures;
• single-trip or annual structure; and
• comparable benefit tier.

Then create a comparison table like this:

Only after filling in those rows should you decide which price represents better value.

For a broader policy-by-policy feature framework rather than pricing methodology, continue to

Compare Travel Insurance UAE
.

UAE Travel Insurance Cost vs Cheap vs Best vs Compare

BRERPSoft keeps these four pages separate because they answer different questions.

How Can You Reduce UAE Travel Insurance Cost Responsibly?

Reducing price is reasonable, but the goal should be eliminating unnecessary cost rather than stripping out protection you actually need.

Compare like-for-like quotes

Different insurers can price similar trips differently. Obtain multiple current quotes using identical details.

Choose the correct territory

Do not pay for geographical coverage you do not need, but never choose a territory that excludes your actual destination.

Compare policy tiers

A premium tier may contain benefits that are unnecessary for a simple trip. On the other hand, reducing protection below your needs solely to save a small amount can create false economy.

Compare annual and single-trip options

Frequent travellers should calculate both structures rather than assuming one is always cheaper.

Review duplicate protection

Check whether another legitimate insurance arrangement already protects a particular risk, while understanding that credit-card or employer benefits can contain very different terms.

Consider the deductible

Where insurers offer deductible choices, compare the effect on both premium and your potential out-of-pocket expense.

Buy based on your actual trip

Avoid purchasing coverage for destinations, dates or activities that do not match your journey.

If affordability is the primary objective, continue to

Cheap Travel Insurance UAE
.

Common Mistakes When Comparing UAE Travel Insurance Prices

1. Treating an old quote as a current market price

Insurance pricing can change. Always record the quote date.

2. Comparing different destinations

Europe-only and worldwide-with-USA policies are not equivalent.

3. Comparing different ages

A 30-year-old and an 80-year-old may not even qualify for the same product.

4. Comparing different benefit tiers

The lower premium may simply provide less protection.

5. Assuming “from AED X” is the price you will pay

A starting price is not a guaranteed quote for every traveller.

6. Calling one price the UAE average without methodology

A credible average requires a defined and reproducible dataset.

7. Inventing universal senior surcharges

There is no single “3x after 70” or “20% co-pay after 75” rule across the UAE market.

8. Treating Schengen minimum coverage as a price

EUR 30,000 is a minimum coverage amount under Article 15, not the insurance premium.

9. Claiming every North America traveller needs one exact limit

Choose protection based on actual risk and policy terms rather than invented regulatory requirements.

10. Ignoring exclusions

A lower premium can be meaningless if the event you care about is excluded.

Frequently Asked Questions About UAE Travel Insurance Cost

How BRERPSoft Researches UAE Travel Insurance Costs

Travel-insurance pricing changes frequently. BRERPSoft therefore separates permanent pricing methodology from temporary quote examples.

Our approach is:

1. Use current official insurer product material where possible.
2. Use CBUAE for regulatory and licensing context.
3. Use primary legislation for visa-insurance requirements.
4. Label provider-published starting prices as provider-specific examples.
5. Record the date when discussing a current price.
6. Avoid converting one quote into a permanent market average.
7. Avoid inventing fixed age multipliers, medical surcharges or family discounts.
8. Keep Cost, Cheap, Best and Compare search intents separate.

BRERPSoft does not treat affiliate comparison pages, Reddit posts or old search snippets as sufficient evidence for a permanent UAE travel-insurance price.

Where a quote example is eventually added, it should ideally record:

• quote date;
• traveller age;
• destination;
• trip dates;
• trip duration;
• number of travellers;
• plan name;
• geographical territory;
• medical benefit; and
• quoted premium.