Don't risk your international trips
Get your Travel Insurance Now
BUY NOW
#1.6 Crore+
Happy Customers
1 Lac+
Cashless Hospitals
24x7 In-house
Claim Assistance
No health
Check-ups
Dubai Travel Insurance
Dubai is a city that combines superficial modern-day luxury with the ancient richness of its culture. If you are planning a trip, then you are in for a real treat, from towering skyscrapers to wandering through bustling souks. Before you set off, though, here are one or two things to keep in mind. Dubai travel insurance gives peace of mind for everything from medical emergencies to lost luggage while travelling. You would not want your adventure to get ruined due to some unforeseen mishap. Thus, while you plan an itinerary, you should not forget to check Dubai travel insurance from your list. This is the tiny step that will guarantee that your journey will be smooth and hassle-free.
Key Features of Travel Insurance For Dubai
Here is a list of some of the important features of Dubai travel insurance:
| Key Features | Details |
| Maximum coverage | Offers coverage against various unforeseen events, like medical, travel and baggage-related emergencies. |
| Constant support | Round-the-clock assistance via 24x7 customer care support and in-house claim settlement. |
| Easy cashless claims | Offers cashless claims benefits accessible through multiple network hospitals. |
| COVID-19 coverage | Coverage for hospitalisation expenses caused by COVID-19. |
| Massive cover amount | Extensive coverage range from $40k to $1000K. |
Types of Travel Insurance for Dubai
The type of travel insurance you choose for the Dubai should be based on your travel requirements. Here are the main choices that are offered;
Travel Plans for Individual
For the solo wanderers and thrillseekersThis type of international travel insurance covers solo travellers against medical, baggage and travel-related contingencies.
View Plans Know More
Travel Plan for Families
For families travelling togetherThis type of international travel insurance offers coverage to multiple members of a family during a trip under a single policy.
View Plans Know more
Travel Plan for Students
For individuals accomplishing their dreamsThis type of international travel insurance is designed to offer coverage to students travelling abroad for education-related purposes.
View Plans Know more
Travel Plan for Frequent Fliers
For the ones flying frequentlyThis type of plan is designed to offer coverage to senior citizens during their international holidays.
View Plans Know more
Travel Plan for Senior Citizens
For the ones who are forever youngThis policy will help secure multiple trips under one international travel insurance plan within a specified period.
View Plans Know more
Benefits of Buying Dubai Travel Insurance Plan
For any trip that you take to Dubai, you should have Dubai travel insurance. It will not only help you check a box but also ensure that your trip to Dubai is nice, safe, and free of stress. Here are reasons why you should consider getting a Dubai travel insurance plan:
1
Medical Emergencies
While Dubai boasts some of the best health care in the world, treatment can be pretty pricey. Dubai travel insurance will cover any unexpected illnesses or injuries, saving you from the financial stress of bearing expensive hospital bills.
2
Loss of Luggage
It is a nightmare to lose your luggage, especially when you are in a foreign land. Dubai travel insurance covers the loss or delay of baggage so that the essential items for immediate use can quickly be replaced.
3
Trip Cancellations/Delays
Imagine that your flight gets delayed, or even worse, gets cancelled. Dubai travel insurance will reimburse you for non-refundable expenses; hence, you will be able to reschedule your plans without any financial stress.
4
Personal Liability
An accident can take place anytime, and you may accidentally cause damage to somebody's property or injure somebody. In such cases, your Dubai travel insurance covers the legal expenses, saving you from sudden financial burdens.
5
Adventure Sports Coverage
Dubai offers a range of adventurous activities, such as dune bashing and skydiving. If you plan to undertake any adventure sports, this travel insurance policy in Dubai will cover your injuries pertaining to those activities, thus keeping you stress-free.
What's Covered under Travel Insurance for Dubai from India
Here are some of the things that are usually covered under travel insurance for Dubai from India:
Medical Emergency-Related Expenses
Our policy covers the costs related to medical emergencies, so you don’t have to break your pocket during your trip.
Dental Emergency-Related Expenses
Dubai travel insurance also covers the expenses related to dental emergencies that you may face.
Medical Evacuation
In case of medical emergencies that require immediate care, our policy helps by covering the expenses related to air/land medical evacuation to the nearest healthcare centre.
Hospital Daily Cash Allowance
Our policy also helps you to take care of petty hospitalisation-related expenses, so you don’t have to exceed your travel budget.
Medical And Body Repatriation
In the tragic event of death, our policy will be responsible for covering the expense of transferring one’s mortal remains to their home country.
Accidental Death
In the unfortunate event of accidental death while travelling, our policy will offer a lump-sum compensation to your family.
Permanent Disablement
To ease your burden if an unforeseen occurrence results in permanent disability, the policy will offer you a lump sum compensation.
Personal Liability
If you find yourself responsible for third-party damage in a foreign country, our policy will make it simple for you to compensate for those losses.
Financial Emergency Assistance
In case you experience a cash crunch caused by theft or robbery, our policy will help facilitate emergency fund transfers from India.
Hijack Distress Allowance
In case your flight gets hijacked, we will do our part by offering compensation for the distress it causes you while the authorities handle the situation.
Flight Delays
Our Dubai travel insurance offers a reimbursement feature that will help you cover the expenses related to essential purchases arising out of a flight delay.
Hotel Accommodations
In case you need to extend your hotel stay due to a medical emergency, our policy will cover those additional expenses.
Loss Of Baggage And Personal Documents
You will be covered for the expense of replacing lost or stolen personal documents and belongings with our Dubai travel insurance.
Loss Of Checked-In Baggage
Our policy will offer you compensation in case of loss of checked-in baggage. So, don’t worry about spending your Dubai trip in the absence of your essentials.
Delay Of Checked-In Baggage
In case your check-in baggage gets delayed, our policy will cover the essential purchases while things get sorted.
The above mentioned coverage may not be available in some of our Travel plans. Please read the policy wordings, brochure and prospectus to know more about our travel insurance plan.
What's Not Covered Under Travel Insurance for Dubai from India
Your travel insurance for Dubai from India policy may not offer coverage for:
Breach of Law
Health complications that are caused due to war, terrorism or breach of law are not covered under the travel insurance plan.
Consumption of Intoxicants
If you use intoxicants or banned substances, the Dubai travel health insurance plan will not offer any coverage.
Pre existing diseases
If you have a medical condition prior to the trip or receive treatment for a pre-existing disease, the plan will not cover those expenses.
War Or Terrorism
Injuries or health complications suffered due to terrorism or war.
Self Inflicted Injury
Injuries as a result of intentional harm or suicide attempts are not covered under international travel insurance.
Adventure Sports
The policy will not cover injuries and hospital expenses that are caused as a result of participating in hazardous activities and adventure sports.
Obesity And Cosmetic Treatment
During the foreign country trip, if you or a family member choose to receive cosmetic or obesity treatment, those associated expenses will not be covered under the plan.
How to Buy Travel Insurance Policy for Dubai Online?
If you want to buy travel insurance online for Dubai, the following are the steps that you need to follow:
• Visit the official HDFC ERGO International Travel Insurance website.
• Find the “Buy Now” button and click on it.
• Enter the required details like trip type, total travellers and their respective age, and hit “Continue”.
• Provide the name of the country you are planning on visiting, which in this case is Dubai, along with the dates of departure and return and press next.
• Enter your contact details, such as your name, email and phone number, on the pop-up window and click “View Quote”.
• Choose from the available plans, select “Buy”, and enter the verification code to move on to the next window.
• Follow up with the additional information required by the policy and complete the online payment.
• Upon successful payment completion, your travel insurance policy will be issued and sent to the inbox you provided.
Don’t let medical emergencies abroad drain a hole in your travel budget. Keep yourself financially covered against emergency medical and dental expenses with travel insurance.
Interesting Facts About Dubai
| Fact | Details |
| World’s Tallest Building | You probably know that the Burj Khalifa is the tallest building in the world, but did you know it’s also home to the highest observation deck and restaurant? You can see the entire city from up there, making it a must-visit spot during your trip. |
| Indoor Skiing in the Desert | It might seem impossible, but Dubai is home to Ski Dubai, an indoor ski resort inside the Mall of the Emirates. Here, you can ski, snowboard, and even meet penguins, all while escaping the desert heat. |
| No Income Tax | One of the reasons Dubai attracts so many expatriates is the fact that there’s no income tax. This allows residents to enjoy a higher standard of living. However, when you visit, don’t forget your Dubai travel insurance to safeguard your trip. |
| Camel Racing with Robots | Camel racing is a traditional sport in Dubai, but did you know they use robot jockeys instead of humans? It’s a unique blend of tradition and technology that you won’t find anywhere else. |
| Gold ATMs | Only in Dubai can you withdraw gold bars from an ATM! The Gold To Go machines are located in several places, including the Burj Khalifa, allowing you to purchase gold at the push of a button. |
| Man-Made Islands | The Palm Jumeirah and The World Islands are marvels of modern engineering. These man-made islands are visible from space and are home to luxurious hotels, villas, and entertainment options, making them iconic symbols of Dubai’s ambition. |
| Sustainable City | Dubai is also focusing on sustainability with projects like The Sustainable City, a development that uses solar energy, recycles water, and promotes eco-friendly living. It’s a glimpse into Dubai’s future as a city that cares about the environment. |
Documents Required for the Dubai Tourist Visa
As a part of applying for a Dubai Tourist Visa, an Indian citizen must prepare the following essential documents. These are:
• Passport: It must be valid for at least six months from the date of your entry.
• Visa Application Form: Completed and signed application form
• Photographs: Recent passport-sized photographs with a white background.
• Flight Itinerary: Confirmed return ticket showing the date of entry and exit from Dubai.
• Financial Proof: A bank statement or pay slip is needed to prove your financial ability to make expenditures.
• Proof of Accommodation: The hotel booking or invitation letter from a hosting person in Dubai.
• Dubai travel insurance: Insurance for medical emergencies and any other unforeseen situation that may arise during your stay.
Best Time To Visit Dubai
When planning a trip to Dubai, the best time to visit largely depends on what you’re looking for in your experience. For those who love the outdoors and cooler weather, Dubai is best between November and March. During this period, pleasant temperatures prevail, ranging between 20°C and 25°C, therefore making it perfect to take in all the various attractions like the Burj Khalifa or beach exercises.
However, the period starting from June to August can work for you if you do not mind the heat; you will find better prices and fewer crowds. Just be prepared for very hot temperatures above 40°C. Whichever period you choose to go, ensure that you make provisions for Dubai travel insurance. It covers you in case any accidents might catch up with you on the way, such as medical emergencies or cancellations of trips. Think of your comfort level with the weather and your budget, and settle the Dubai travel insurance.
All Year-Round Essentials for Dubai
Alongside setting up the trip itinerary, make sure to plan what to carry in your suitcases for the Dubai visit. A few all-year-round essentials would be;
• Comfortable shoes to help you explore the country on foot.
• Credit/Debit card- preferably with International access
• Light, modest clothing- Dress conservatively in public areas, especially when visiting religious or cultural sites
• Sunscreen, sunglasses and a hat to avoid Dubai's intense year- round sun during outdoor exploration.
• Reusable water bottles to stay hydrated throughout the day.
• Important Travel documents that ensure the validity of your entire stay, travel adapter and voltage converter.
Dubai Safety And Precautionary Measures To Be Undertaken
Safety and precautionary measures will make your trip enjoyable in Dubai. Here is a quick guide for you:
• Dubai's heat is extreme; therefore, take plenty of water and avoid spending a lot of time in the sun.
• Ensure that your valuables are always in hotel safes, and be aware of your surroundings whenever you go out to a public place.
• To get around the city safely, take licensed taxis or public transport.
• Be respectful to the locals by dressing modestly, especially when visiting any religious site.
• Familiarise yourself with local laws and rules so that you do not face any legal problems, as there are strict rules related to public behaviour and alcohol consumption.
• Don't forget to take a Dubai travel insurance policy that could protect you against unforeseen events, anything from medical emergencies to trip cancellations or disruptions.
• Carry a list of emergency contacts with you, including local police and your embassy.
• In cases of former illnesses, it is necessary to have the respective medication with you and consult your doctor before travelling.
• Do not take pictures of people without their permission, especially in sensitive areas.
• Showing affection in public is frowned upon and can attract fines or even legal implications.
List of International Airports in Dubai
The main airport is Dubai International Airport or DXB and the principal hub for most international flights. Another airport is Al Maktoum International Airport, also known as DWC, which acts as a secondary airport mainly dealing with cargo and small passenger flights.
| Airport | City | IATA Code |
| Dubai International Airport | Dubai | DXB |
| Al Maktoum International Airport | Dubai | DWC |
Let travel insurance handle the additional expenses caused by extended hotel stays due to medical emergencies. Click here to learn more!
Popular Destinations in Dubai
With so much to see and do, Dubai has amazing destinations to offer. Given below are a few of the major spots that you really should pay a visit to on your trip:
1
Burj Khalifa
You can’t visit Dubai without seeing the Burj Khalifa, the tallest building in the world. Standing at 828 metres, it offers breathtaking views from its observation decks on the 148th and 125th floors. It is a must-visit for an overwhelming panoramic view of the city and the desert. Remember to get your Dubai travel insurance sorted before you go if you need any emergency assistance when there.
2
Palm Jumeirah
This is an iconic man-made island developed in the shape of a palm tree. Some high-class hotels stand on it, among which the most famous is Atlantis The Palm. Take leisurely walks along the boardwalks, lounge around on the beaches, or enjoy a meal at any of the fancy restaurants. The Palm is treated as a token of ambition and novelty for Dubai.
3
Dubai Mall
This is near the Burj Khalifa and is much more than a shopping arcade. It comprises an indoor ice skating rink, a large aquarium, and several dining possibilities. From shopping and dining to simply browsing around, one always has something to do here. It is an excellent avenue to get out of the scorching heat and enjoy some fun.
4
Dubai Creek
If you are in search of a historical taste of Dubai, then this is the place. Take a trip across the creek in an abra or wooden boat, stroll around the ancient souks, and visit the Dubai Museum inside the Al Fahidi Fort. It's a nice contrast to the city's modern skyline and gives you an idea about Dubai's past.
5
Desert Safari
Get out into the sand for a different experience. Most desert safaris also include additional activities, such as dune bashing, camel riding, and a Bedouin-style dinner under the stars. This will be an excellent way to appreciate the desert landscape and its natural beauty while feeling the culture.
6
Dubai Marina
This lively district is perfect for a laid-back evening stroll on the promenade along the water, an evening cruise boat tour, and/or dinner with stunning views of the marina. The locale is celebrated for its awesome skyscrapers and as a buzz nightlife zone.
Things To Do in Dubai
When you’re in Dubai, there’s no shortage of things to do that will make your trip memorable. Here are a few exciting activities you definitely shouldn’t miss:
1
Burj Khalifa
Start your exploration with the Burj Khalifa, the observatory decks on the 148th and 125th floors come with stunning views of the city and beyond. It is simply an excellent way to be introduced to Dubai grandly. Just make sure you have insurance to travel in Dubai so that you can be covered in case you need any assistance at the time you are outdoors exploring.
2
Visit the Dubai Mall
This isn’t just a shopping destination. It’s a world of entertainment. From the Dubai Aquarium to the Ice Rink and the VR Park, there’s something for everyone. It’s a great place to spend a few hours, whether you’re shopping, dining, or just exploring.
3
Dubai Fountain Show
It is situated at the foot of the Burj Khalifa and presents an entrancing dance of water to music and light. This becomes a magical sight, especially during the evening when illuminated against the glow of the city's skyline.
4
Jumeirah Beach
If you are in the mood for some sun and sand, then Jumeirah Beach is your go-to choice. The place is an ideal spot to laze around, swim, or casually walk around by the sea. It gives a magnificent view of the Burj Al Arab from the sea.
5
Desert Safari
The most breathtaking adventure will be a desert safari. You will be dune bashing in a 4x4, take a camel ride, and enjoy a traditional Bedouin-style dinner under the stars. This will surely be the best way to witness the breathtaking landscape of the desert and combine some fun with local culture.
6
Old Dubai
For a change of pace, explore the historic side of Dubai. Wander through the Al Fahidi Historical District, visit the Dubai Museum, and take an abra ride across Dubai Creek. It’s a wonderful way to learn about the city’s rich heritage.
Money Saving Tips in Dubai
When you’re exploring Dubai, it’s easy to have a great time without breaking the bank. Here are some money-saving tips to help you make the most of your budget:
1
Eat smart
There are lots of high-end options to dine out in Dubai, but you can find a decent meal for remarkably cheaper prices. Look for local restaurants or food stalls and try having your meals in malls and markets, where prices will be far easier on your expenses.
2
Utilise Public Transport
Dubai's public transport infrastructure is efficient and very affordable. The Metro, buses, and water taxis are good means of travel. Using the Nol card, which is acceptable on all public transport, is very convenient and cost-effective.
3
Shop Smart
If you plan to shop, it will be a good idea to go to the local souks for merchandise that is more unique and often cheaper. Especially, the Gold Souk and Spice Souk happen to be quite cool for great bargains. Besides, Dubai City runs many sales and discount periods, especially in shopping malls.
4
Visit Free Attractions
There are many free or low-cost attractions to enjoy. Explore public beaches like Jumeirah Beach, stroll around the Dubai Marina, or visit the Al Fahidi Historical District. Many of Dubai’s cultural sites and outdoor areas are free to access.
5
Take Advantage of Deals and Offers
Keep an eye out for special offers and discounts as many attractions and restaurants offer deals, especially if you book in advance or visit during off-peak hours.
6
Get Dubai travel insurance
While it may seem like an extra expense, having Dubai travel insurance can save you money in the long run. It covers medical emergencies, trip cancellations, and other unexpected events, which can help you avoid significant out-of-pocket costs.
List of Well-Known Indian Restaurants in Dubai
The following restaurants offer a variety of delicious Indian dishes, giving you a taste of India’s rich culinary heritage when you miss Indian food while in Dubai.
| Restaurant | Must-Try Dishes | Address |
| Ravi Restaurant | Chicken Kari, Nihari | Al Satwa, Dubai, UAE |
| Biryani Pot | Hyderabadi Biryani, Mutton Korma | The Marina, Dubai, UAE |
| Mumtaz Mahal | Butter Chicken, Paneer Tikka | Grand Hyatt Dubai, Sheikh Rashid Road, Dubai |
| Indego by Vineet | Lobster Curry, Lamb Shank | Grosvenor House, Dubai Marina, Dubai |
| Amritsr | Amritsari Tandoori, Chole Bhature | Al Karama, Dubai, UAE |
| Saffron | Prawn Masala, Lamb Biryani | Atlantis The Palm, Dubai |
Local Law And Etiquette In Dubai
When you’re in Dubai, respecting local laws and etiquette is important to ensure a smooth and enjoyable visit. Here are some key points to keep in mind:
• Dress decently in all public places and avoid provocative clothes, especially in malls, markets, and places of worship.
• Refrain from public displays of affection, like kissing or hugging; this is not encouraged and invites legal complications.
• Smoking is banned in most public areas. Look for a smoking zone lest you get fined.
• If you happen to be there during Ramadan, do not eat, drink, or smoke publicly during the day. Be considerate of those who are fasting.
• Alcohol consumption should be done inside licensed premises. Being drunk in public is just utterly prohibited and may incur grave penalties.
• Obtain proper Dubai travel insurance that covers all unwanted situations, such as a legal dilemma or an emergency, to be at ease during the entire stay.
• When greeting or handing over items, use your right hand, as the left hand is considered impolite.
• Swearing or using offensive language can lead to legal trouble. Keep your conversations polite and respectful.
Indian Embassies in Dubai
The embassy is closed on Fridays and Saturdays. It’s always a good idea to check their official website or contact them directly for any updates or changes to their hours.
| Dubai-based Indian Embassy | Working Hours | Address |
| Indian Consulate General | Sunday to Thursday: 9:00 AM – 5:30 PM | 24th Floor, Al Jawad Tower 2, Sheikh Zayed Road, Dubai, UAE |
International Travel Insurance for Most Visited Countries
Take your pick from the options below, so you can be better prepared for your trip to a foreign country
International travel insurance makes flight delays, loss of baggage and other journey-related inconveniences less bothersome.
Read Latest Travel Insurance Blogs
Frequently Asked Questions on Dubai Travel Insurance
1. Do I need a visa to go to Dubai?
Yes, Indian citizens are required to have a visa to enter Dubai. An online application for a tourist visa or even your travel agent can facilitate this, but the applicant needs to be ready with all required documents and Dubai travel insurance for a seamless visa process.
2. What should I wear in Dubai?
You should dress modestly, especially in public areas. Casual wear is usually good to go out, but too much showing of skin should be avoided. When it comes to religious or traditional furthermost areas, it would be better to put on conservative clothes.
3. Is Dubai safe to visit?
Dubai is rated as one of the safest cities in the world for tourists. It is a city recording very low crimes and punishes perpetrators under stern legislation. However, getting Dubai travel insurance would always be a great way to deal with any sudden emergency or accident.
4. What are the tipping practices in Dubai?
Tipping is appreciated but not mandatory. In restaurants, a tip of around 10% is customary if the service is not included in your bill. For taxis, rounding up the fare is a nice gesture.
5. What should I do if I face a medical emergency?
In case of a medical emergency, dial 999 for immediate assistance. It's crucial to have Dubai travel insurance to cover any medical expenses and ensure you're well taken care of during your trip.
6. What are the local customs regarding photography?
While Dubai is generally photogenic, you should avoid taking photos of government buildings, military installations, and local people without their permission. Always ask before photographing someone, especially in more private or religious areas.
7. Is it necessary to learn some Arabic before visiting Dubai?
While English is widely spoken and understood, learning a few basic Arabic phrases can be helpful and appreciated. Simple greetings and polite expressions can enhance your interactions with locals.
Awards & Recognition
BFSI Leadership Awards 2022 - Product Innovator of the Year (Optima Secure)
ETBFSI Excellence Awards 2021
FICCI Insurance Industry
Awards September 2021
ICAI Awards 2015-16
SKOCH Order-of-Merit
Best Customer Experience
Award of the Year
ICAI Awards 2014-15
CMS Outstanding Affiliate World-Class Service Award 2015
iAAA rating
ISO Certification
Best Insurance Company in Private Sector - General 2014
Car Insurance 
Bike/Two Wheeler Insurance 
Health Insurance 
Pet Insurance
Travel Insurance 
Home Insurance 
Cyber Insurance 
Third Party Vehicle Ins. 
Tractor Insurance 
Goods Carrying Vehicle Ins. 
Passenger Carrying Vehicle Ins. 
Compulsory Personal Accident Insurance 
Travel Insurance 
Rural 
Critical illness Insurance