Travel Insurance for Dubai from India

Dubai has become one of the most visited international destinations for Indians. In 2024, 3.14 million Indians visited Dubai, contributing to its 18.72 million international tourists and a 9% year-on-year rise. So, with the rise in the number of visitors, issues such as baggage loss or misplacement, flight delay and rescheduling have become common. A travel insurance plan is always recommended to protect oneself from the stress that comes with such incidents. Travel insurance is mandatory in Dubai (UAE), so you should opt for travel insurance before applying for a UAE visa.

Dubai has become one of the most visited international destinations for Indians. In 2024, 3.14 million Indians visited Dubai, contributing to its 18.72 million international tourists and a 9% year-on-year rise. So, with the rise in...
Dubai has become one of the most visited international destinations for Indians. In...
Buy Dubai Travel Insurance at Just ₹10/Day*

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Affordable plans

starting at ₹10/day*

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Instant Claims

9 of 10 claims settled same day

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Edit policies on the go!

Manage trip details on app

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Why Do I Need Travel Insurance for Dubai From India?

You must keep travel insurance for Dubai from India for emergencies. This can help cover unexpected situations like health issues, flight problems, and others. Here are some important reasons why having Dubai travel insurance is a must:

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If an airline delays/loses your checked-in baggage

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If a medical emergency arises that requires immediate hospitalisation

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If you somehow lose your passport or cash

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If you have to reschedule/cancel your flight for some unavoidable reason

Similar situations can put extreme financial pressure on you if you don’t secure an appropriate travel insurance policy.

Why ACKO Travel Insurance for Dubai?

When it comes to international travel insurance, we can help you obtain it quickly and efficiently. 

Here are some ways we can assist you:

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Paperless Process

ACKO is an online-only insurer, which means you can buy, claim and manage your policy entirely online.

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Budget-Friendly

You get the best insurance options with great coverage at a reasonable price.

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24x7 Assistance

 ‘’Service is what life is all about,’’ and we firmly believe that. This is why we offer 24/7 support for all your insurance needs so you can travel with ease and without any concerns.

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No Out-of-Pocket Expenses

Rest assured that you won't have to worry about paying anything out of your pocket. ACKO has covered all your medical treatment and emergency assistance costs while you travel.

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More Than 150 Countries Worldwide

With so many countries to choose from, the possibilities for your next adventure appear limitless. You simply concentrate on making plans for your next dream vacation.

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Coverage for COVID-19-Related Hospitalization

In case you test positive for COVID-19 during your travel period, we cover COVID-19 hospitalization in our travel plans. Stay safe!

Let's See How Travel Medical Insurance for Dubai Helped Amit and Rhea During Her Trip

Amit and Rhea ran into an unexpected problem on their trip to Dubai, United Arab Emirates: Amit got sick and had to be hospitalised. They were lucky that ACKO's travel insurance covered their medical bills. 

Amit and Rhea were happy to hear that all of their medical bills would be paid for after a quick call to ACKO and the appropriate papers. They got their money back quickly and without any problems.

Rhea mentioned, "The incident showed us how valuable ACKO's travel insurance really is. Something that was difficult became easier to handle. It really saved my life!" They learned from this how important it is to have insurance, especially when moving.

Benefits of Travel Insurance for Dubai

Here are some of the key features of travel insurance for Dubai that would benefit you:

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Accidental and Medical Benefits

Dubai Travel Health Insurance covers unexpected medical issues, including COVID-19, so you can stay financially secure during emergencies abroad.

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Customisable Coverage

Customise your Dubai travel insurance plan to suit your itinerary and budget, and pay only for the coverage you actually need.

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Standard Compensation for Flight/Baggage Delays

If your flight or baggage is delayed, travel insurance Dubai provides fixed compensation to reduce your financial loss and inconvenience.

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No Deductibles

Get complete coverage up to the insured amount with zero out-of-pocket expenses under your best travel insurance for Dubai plan.

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Trip Cancellation

You can claim reimbursement for non-refundable costs if you cancel your trip for a valid reason listed in your travel insurance for Dubai from India policy.

What's Covered and What's Not Covered in ACKO’s Dubai Travel Insurance? 

The following travel-related circumstances are covered under your ACKO travel insurance for Dubai:

  • Return of minor child to the city of residence in case of the insured person's hospitalisation
  • Family member’s compassionate visit in case of the insured person’s hospitalisation
  • Monetary loss for transportation in case of medical care and death of the insured person during the trip
  • Compensation for flight delay or cancellation.
  • Compensation for rescheduling
  • Compensation for misplacement or delay of the checked-in baggage
  • Compensation for total loss/partial loss of checked-in baggage
  • Unrecoverable costs related to the loss of passport
  • Compensation in the event of a paid booking bouncing during travel

Our policy will offer financial coverage in these legal situations:

  • Monetary loss brought on by an extended stay following an injury, illness, or hospitalisation

Your travel insurance will provide coverage for these medical issues:

  • An accidental injury that requires hospitalisation or daycare
  • A medical emergency that requires hospitalisation or daycare
  • OPD medical expenses due to injuries or illnesses
  • Adventure sports-related injuries requiring hospitalisation
  • Permanent total disability/Permanent partial disability caused by an accident during the travel period
  • Accidental death of the insured person during the travel period
  • Coverage for transporting remains in case of death during travel due to injury or illness during the travel period
  • COVID-19 quarantine resulted in flight cancellation

The following travel-related circumstances disqualify you from receiving financial aid under your ACKO travel insurance for Dubai.

  • If a valid visa is not present when you enter Dubai
  • Overstaying your stay in Dubai than the validity of your visa
  • If the sole purpose of your trip to Dubai is to receive medical attention
  • Travelling to Dubai when you’re not medically fit
  • Our policy may not offer financial coverage in these legal situations.
  • Loss, damage, or injury due to self-inflicted harm, suicide, etc
  • Loss, damage, or injury when you are under the influence of alcohol or some other intoxicating substance
  • ​​Loss, damage, or injury during a criminal act
  • Loss, damage, or injury during a hazardous activity
  • Your travel insurance through ACKO does not provide coverage for these medical issues.
  • Medical complications associated with pregnancy or pre-existing disease
  • If a close relative prepares the disability report used to substantiate a claim

How to Buy Travel Insurance for Dubai from India?

To get online travel insurance for Dubai from ACKO, follow these six steps:

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To begin, click here or download our app from Play or App Store

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Choose from our standard plan or customise your plan

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Give us the dates on which your trip will start and end

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Choose the coverage you want

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Fill up the details for you and your travel companions

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Pay online to get your coverage right away

How Do I Claim Online Travel Insurance for Dubai From ACKO?

Claiming your ACKO travel insurance online for Dubai is super easy. Here are the simple steps to follow: 

  • Send an email to [email protected] or call 01246174722 to report your location. We will respond in 10 minutes.
  • We'll provide you with a list of local hospitals that offer cashless services.
  • All you have to do is share your policy document, and you are done.
  • You can contact us by giving us a missed call at 01246174722 or sending an email to the address [email protected]
  • Your bill or invoice will be reviewed as soon as possible, and you will get the refund within the next few days.

Things You Should Know Before Buying Travel Insurance for Your Dubai Trip

Here are a few things to know that will help you to buy the best travel insurance for Dubai:

  • Collect quotes from multiple travel insurance providers.
  • Compare your choices of travel insurance for Dubai online based on the coverage, services, features, and premiums.
  • Decide on a sum insured that can save you from financial burden even in extreme conditions.
  • Pick and avoid coverage based on your travel needs.
  • Thoroughly understand and review the claim process to avoid difficulties later.

Things To Know Before Travelling to Dubai

Here are a few things you should know before your trip to Dubai:

Best Time to Visit Dubai

November to March is the best time to explore Dubai’s beaches, markets, and festivals. Visiting during this pleasant season lets you enjoy more for less.

Top Experiences Not to Miss

From skydiving and dune bashing to luxury shopping and theme parks, Dubai offers unforgettable adventures. As you tick off your bucket list, remember that some activities may not be covered under the basic travel insurance plans.

Essential Entry Requirements

Indian travellers must carry a valid passport, a Dubai visa, and a travel insurance policy when visiting Dubai. Travel insurance is a mandatory requirement for most Dubai tourist visa applications, as applicants are typically required to provide proof of a valid policy to receive visa approval.

Local Currency

Dubai's currency is the UAE Dirham (AED). The exchange rate is 1 AED equals ₹23.37 (approximately). You can exchange money at airports or malls, but plan wisely.

Safety and Local Laws

Dubai is safe, but always remember to follow local rules, such as avoiding alcohol in public and using licensed transport.

What to Do in Dubai?

Here are the top things you can do on your Dubai trip.

  1. Luxury Beach Resorts: Enjoy a beach holiday at one of the world’s most luxurious beach resorts.
  2. Shopping: Dubai is known for its fascinating malls and top brands selling their products, especially clothing and jewellery. So, make sure you go with empty suitcases!
  3. Desert Safari: A jeep or camel safari in the Arabian desert will expose you to its magical landscape and thrilling experience.
  4. Burj Khalifa: Enjoy the best views of the city from the tallest skyscraper in the world.
  5. Adventure Sports: You can bring out your inner daredevil in Dubai with adventure sports like scuba diving, skydiving, bungee jumping, dune dashing, shark diving, and many more. 
  6. Clubbing: Dubai is world famous for its happening nightlife, perfect for party freaks.
  7. Museums and Events: Dubai has a wide variety of museums and events you can explore, like the Dubai Museum, the Dubai Fountain Show, etc.
  8. Theme parks: There are many theme parks where you can experience a new world of adventure. 

Dubai Entry Information for Indians

The following are some of the major documents you will need at the time of entering Dubai.

  • Your passport (having a validity of 6 months longer than your duration of visit in Dubai)
  • Your visa (validity as applicable)
  • Travel Insurance 
  • Prescription for medications (if applicable)
  • Recently taken passport-size coloured photos

Currency and Exchange Rates in Dubai

The official currency of Dubai is the United Arab Emirates Dirham (AED). Here’s an approximate exchange rate to help you estimate conversions:

  • 1 AED = 23.58 INR (Indian Rupee)
  • 1 AED = 0.27 USD (United States Dollar)

Make sure to check the latest rates for the most accurate conversion.

Dubai Visit: Safety Precautions

Dubai is a global cultural melting pot, and people from different nationalities come here to travel and transit. Hence, it is considered one of the safest destinations in the world. Still, you should take certain precautions to avoid hassles and ensure your safety.

  • Be protective of your passport and cash at all times.
  • Avoid unofficial transportation assistance and choose official commercial options to go places.
  • Avoid alcohol consumption in public areas as it’s in violation of UAE laws.
  • Read about the regulations and laws of the country before going there.
  • Do not visit any remote locations, especially at night.
  • Purchase travel insurance to protect your journey financially.

Dubai Visa for Indian Tourists

You can easily apply for a Dubai tourist visa based on the following categories.

VISA CATEGORYFEATURES
  
Visa for the holders of Indian Passports who also have a valid Schengen, UK, or US visaVisa on arrival is provided with 2 weeks of validity at the Dubai International Airport.
Visa for the holders of Indian PassportSponsored visas that can be obtained by getting a hotel booked in the UAE with the help of a travel agent.

Different Types of Dubai Visas

The table below shows the different categories of visas for Indians in Dubai:

Visa TypeEntry TypeValidityPurpose
    
Golden VisaMultiple5 or 10 yearsFor investors, skilled talent, or long-term contributors to the UAE's economy.
Tourist Visa (Multiple Entry)Multiple60 daysIdeal for frequent visitors coming for tourism or quick business meetings.
Student VisaSingle (renewable)Up to 1 year (course-dependent)Issued to students enrolled in accredited Dubai institutions.
Tourist Visa (Single Entry)Single30 or 60 daysCommonly used for sightseeing or visiting loved ones.
Transit VisaSingle48 or 96 hoursFor passengers with short layovers in Dubai en route to another destination.
Work VisaMultiple60 daysGranted to individuals hired by Dubai-based employers.
Retirement VisaMultiple5 yearsIssued to eligible retirees wishing to settle in Dubai.
Visa on ArrivalSingle14 daysFor travellers from approved countries visiting Dubai briefly.

Dubai-Based Indian Embassy

Here are some of the key details of the Indian Embassy in Dubai.

MODE OF CONTACTDETAILS
  
AddressAI Hamriya, Diplomatic Enclave, P.O. Box 737, Dubai, United Arab Emirates
Toll-free number800 46342
Websitehttps://www.cgidubai.gov.in/

International Airports in Dubai

  • Dubai International Airport (DXB/OMDB)
  • Al Maktoum International Airport (DWC/OMDW)

Most flights from India land at DXB. However, travellers can also catch their flights from the following other international airports in the UAE such as:

  • Zayed International Airport AUH
  • Sharjah International Airport SHJ
  • Ras Al Khaimah International Airport RKT
  • Al Ain International Airport AAN
     

Frequently Asked Questions

Given below are a few frequently asked questions on Dubai travel insurance:

Yes, getting travel insurance is mandatory for Dubai.

Yes, you can easily buy travel insurance for Dubai online with just a few clicks.

You need to get travel insurance, primarily with medical coverage, for Dubai.

It usually covers medical emergencies, trip cancellations, baggage loss, personal liability, and accidental death or disability during your stay in Dubai.

Most travel insurance plans now include COVID-19 coverage for medical treatment, quarantine expenses, and trip cancellations due to infection.

You should purchase travel insurance once you confirm your travel dates and arrangements.
 

Travel insurance for Dubai is not mandatory; however, it’s a good decision to secure your trip against any hefty expenses that may arise from untoward incidents.
 

No, Dubai is not a Schengen country. Dubai is located in the United Arab Emirates (UAE), which is not part of the Schengen Agreement. 

Yes, you can get your Dubai travel insurance after booking your flights, but it is recommended that you do so in advance.

Disclaimer: The plans, services, features, processes, and other details mentioned on this page are subject to availability and changes. Please check the applicable policy wordings before making any insurance-related decisions. Feel free to reach out to us at [email protected] for any queries.

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Written by Namrata Saha Choudhury

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Reviewed by Lokesh Shetty Author info Icon

She travels with words, bringing places to life. Whether it’s hidden gems or dream destinations, she makes travel feel as exciting on paper as it is in reality. When not writing, you can find her gardening, writing verses, or lost in a Netflix series with a bowl of fruits—especially watermelon!

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