Essential Travel Insurance Tips for UAE Residents Travelling Abroad

1. Buy Insurance Before You Depart

Travel insurance must be purchased before your trip begins. Once you're at the airport or already overseas, it's too late to obtain coverage for events that may already be unfolding. Buy your policy at least 24 hours before departure.

2. Match Coverage to Your Destination

Medical costs vary dramatically by country. Travel to the USA, UK, or Australia can involve medical bills that run into hundreds of thousands of dirhams. Ensure your medical coverage limit matches the potential costs in your destination country.

3. Declare Pre-Existing Medical Conditions

Failing to declare pre-existing conditions when purchasing travel insurance can result in your claim being denied. Be transparent about your health history to ensure your policy provides genuine protection.

4. Check What's Excluded

Common exclusions include adventure sports (skydiving, skiing), travel to regions under government advisory warnings, and alcohol-related incidents. If you're planning adventurous activities, look for a plan with sports coverage or an appropriate add-on.

5. Keep Your Policy Documents Accessible

Store a digital and physical copy of your policy and the emergency contact number. In a medical emergency abroad, being able to quickly provide your policy details can significantly speed up the assistance process.

6. Consider Annual Multi-Trip Plans

If you travel more than twice a year, an annual multi-trip plan is almost always more cost-effective than buying single-trip cover each time. Compare annual plans on Protego to find the best value.