Travel insurance is not required to travel to Dubai, but it is strongly recommended. We hope your trip goes smoothly. However, having insurance allows you to travel with peace of mind without running the risk of paying high medical costs in the United Arab Emirates.
In this article, we’ll walk you through everything you need to know about how to get travel insurance for Dubai. Available plans, prices, how it works…
Why Get Travel Health Insurance in Dubai?
Travel insurance is often something people put off when planning a trip. However, when traveling to a foreign country such as the United Arab Emirates, it’s a crucial consideration that shouldn’t be overlooked, because if something goes wrong, it can prove to be very useful.
In fact, once you travel outside the European Union, your European Health Insurance Card (EHIC) no longer covers you in the event of medical issues.
In Dubai, the healthcare system is managed by the Dubai Health Authority (DHA). There are both public and private healthcare services. Private hospitals tend to charge more than public hospitals because they are often better equipped with state-of-the-art facilities. But regardless of which healthcare providers you see, medical costs in Dubai can be significant.
Here are a few examples for your information:
General practitioner consultation: between €50 and €110
House call or hotel visit: €150
Hospitalization: between €1,000 and €15,000
It can get very hot in Dubai, so you’re not immune to heatstroke in the city or the desert, an injury while participating in sports, or even an unfortunate accident. There’s no such thing as zero risk. That’s why we strongly recommend that you purchase travel insurance.
Travel insurance doesn’t just cover medical expenses. Depending on the coverage you purchase, it may also cover lost luggage, property damage, necessary emergency repatriation, or trip cancellation…
Of course, we hope you have a trouble-free trip and never need to use it, but it’s important to be aware of this to avoid incurring exorbitant costs during your vacation in Dubai.
Which travel insurance should you choose for Dubai?
Many companies offer similar coverage, but in our opinion, the best option is the travel insurance offered by Heymondo.
With great value for money, Heymondo offers tailor-made travel insurance with personalized coverage, designed specifically for you based on the duration of your trip or your budget. Perfect for your trip to Dubai!
Here is a summary table of the plans offered by Heymondo:
Standard Travel Insurance
Multi-Trip Insurance
Long-Term Insurance
Validity
Valid for the entire duration of your trip
Valid for 1 year for all your trips lasting less than 90 days each
Valid for your trips lasting more than 90 days Renewal possible
As you may already know, some credit cards offer medical coverage during trips abroad. Warning! Be sure to carefully review the details! In fact, this coverage is generally less beneficial than travel insurance because the coverage limits are quite low. There may also be certain conditions you must meet, depending on your contract, in order to be eligible for coverage.
Here are a few examples:
Insurance provided by your credit card will only cover you for trips lasting up to 90 days. If you’re away for longer, you will no longer be insured.
Some policies may require that your trip be paid for with the card in question in order to be eligible for coverage. Others specify that you only need to have a valid policy to benefit from it.
Cards do not automatically cover everyone traveling with you. Depending on the policy, they may cover spouses or children up to age 25, but not necessarily your partner if you are not married, for example.
Travel insurance vs. credit card insurance: which is better?
To give you an idea, here’s a table comparing what your credit cards offer versus travel insurance like that from Heymondo.
Standard credit card (Visa Classic, Mastercard)
Premium credit card (Visa Premier, Mastercard Gold, Visa Infinite, Mastercard Platinum, World Elite…)
Heymondo Travel Insurance
Medical expenses
Up to €11,000
Up to €156,000
Up to €1,000,000
Advance payment of expenses
Generally yes
Generally yes
No
Third-party liability
Not included
Up to €4,000,000
Up to €100,000
Repatriation and early return
Generally yes
Generally yes
Included with all costs covered
Deductible per medical service
50€
50€
€0
Baggage insurance
Not included
€1,800 per eligible bag
Up to €4,000
Please note that these are examples provided for informational purposes only. If you wish to use the insurance provided by your credit card, we recommend contacting your bank to find out the details of your policy.
Our take on Heymondo travel insurance
Traveling with travel insurance guarantees you a worry-free trip. Heymondo is, in our opinion, the company that offers the best coverage. It provides fast, efficient, and convenient service in case of any issues:
You don’t have to pay anything up front. Unlike bank-provided insurance, you don’t have to pay anything while you’re abroad.
There is no deductible. For example, if a doctor’s visit costs €80, you won’t pay anything. Whereas with your credit card’s insurance, you’ll only be reimbursed €30.
The 24/7 emergency hotline provides quick access to a professional who can advise you on the steps to take and provide local addresses and contacts.
Heymondo insurance is designed for all types of travel. Whether you travel regularly or for more than 90 days, you’ll be covered.
