Touring the glamorous city of Dubai is an experience of a lifetime and the dream of many Indians. From the gigantic Dubai Mall to Burj Khalifa, Dubai Aquarium and Underwater Zoo, there are a plethora of things that you can explore.
However, you may get injured during a Safari trip or may lose your baggage at the busy Dubai Airport, which can lead to heft financial expenses and throw your trip into a frenzy. Hence, it is essential to have Dubai travel insurance for a worry-free trip.
But before you buy any travel insurance, here are some tips that you must follow to find the best bet.
Tips to Follow Before You Buy Dubai Travel Insurance
Look for Comprehensive Medical Coverage
When looking to buy travel insurance online for Dubai, choose a plan that offers comprehensive medical coverage. The cost of emergency medical treatment can range from AED 500 to AED 2,000 ($136 to $545) or higher, in Dubai (source). Therefore, having travel insurance with high medical coverage is necessary.
For instance, you may fall sick due to dehydration or heatstroke due to high temperatures in Dubai. You may also injure yourself during the Desert Safari in the Lahbab Desert. To deal with such emergencies smoothly, pick a plan that covers various expenses related to medical emergencies, such as hospitalisation, medicine charges, medical tests, etc., so you don’t end up spending huge sums from your pocket.
Get Non-Medical Coverage Too
You may also encounter non-medical emergencies during your trip to Dubai. Your travel insurance must cover those emergencies as well, so you can have a hassle-free trip. For example, you may lose your baggage at the Dubai airport or may miss a flight back to India due to injury or medical sickness.
In such cases, travel insurance plans offer coverage for lost or delayed baggage, missed or cancelled flights, trip cancellations and much more. Choosing a plan with added non-medical coverage is a smart thing to do.
Compare the Plans Online
Do a thorough research online and look up all the travel insurance options that are available. Compare a few top options and assess their coverage, premiums, features, etc. This comparison will help you find the best plan that suits your budget and also provides the desired coverage.
Know the Inclusions and Exclusions
Travel insurance plans for Dubai may not include every instance that you may encounter on your trip. Some travel insurance exclusions may be specific to Dubai based on the location, government rules or religious and cultural practices. Hence, one must pay special attention to such exclusions.
For instance, travelling to certain areas may be excluded from the insurance plan if the government has placed restrictions. If you travel to Dubai for a treatment, the expenses will not be covered since it is not an emergency expense and falls under medical tourism.
Know the Claim Settlement Ratio
You must make an effort to learn about the insurer’s claim settlement ratio (CSR). It is a crucial parameter that tells you how many claims an insurance company has settled out of the total claims filed. With the help of this information, you can make an informed decision and choose an insurer with a high CSR. You can find the CSR on the insurer’s website, or you can also look it up on the IRDAI’s website.
Choose Plans with a Simple Claim Process
Emergencies during trips can leave you stressed and burned out. While travel insurance is supposed to bring relief, the claim processes are often time-consuming and bring added hassles. Hence, choose travel insurance with a simple claim process and quick claim settlement options.
Look for Customisation Options
Travel insurance may not cover the A to Z of your Dubai trip. However, many plans come with add-on options, which allow you to make the plan more inclusive. For instance, you can include adventure sports coverage in your insurance plan and raise a claim if any injury arises from the same.
If you wish to indulge in adventure sports such as skydiving over Palm Jumeirah or Jet Skiing on the crystal clear waters, it is wise to include the adventure sports add-on cover for safety.
TATA AIG Travel Insurance Plan – Your Gateway to a Great Dubai Trip
Before buying travel insurance for your Dubai trip, it is important that you pay attention to and follow the tips mentioned above. These tips help you find the right travel insurance and keep you worry-free on your trip.
Another way to enjoy a stress-free Dubai trip is to invest in comprehensive travel insurance plans offered by TATA AIG. With a wide coverage and affordable pricing, they provide travellers with absolute peace of mind on their journey.
Their plans include multiple benefits, such as comprehensive medical cover, various add-on options, multi and single trip plans, disability and death cover, 24.7 assistance, flight cancellation and delay cover, hijack compensation, etc.
Your stress-free Dubai trip begins with the TATA AIG travel insurance plan, starting at ₹24.8 per day only.
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