What UAE Travelers Should Know About Travel Insurance During Global Disruptions

When global events disrupt travel plans, many travellers have the same question:

What exactly does travel insurance cover? 

Travel insurance is designed to protect travellers against unexpected medical emergencies, trip disruptions, and assistance needs abroad. However, policies also contain specific exclusions, particularly when events involve war, hostilities, government restrictions, or force majeure events. 

Understanding these details before travelling can help avoid confusion and ensure you know what support is available if your trip is affected. 

Why Travel Insurance Is Still Important 

Even during uncertain times, travel insurance remains a key part of responsible travel planning. 

Most of our Travel insurance policies typically provide:

• Emergency medical coverage abroad 

• 24/7 travel assistance services

 • Support locating medical facilities

• Coverage for certain travel disruptions 

However, travelers should remember that coverage always depends on the policy wording and conditions. 

Does Travel Insurance Cover War or Conflict? 

In most standard travel insurance policies, events directly related to war or hostilities are excluded. This means claims related to: 

• War or military conflict 

• Airspace closures caused by conflict 

• Government evacuation operations related to war are usually not covered under standard policies. 

Understanding Force Majeure in Travel 

Force majeure refers to extraordinary events beyond the control of travel providers or travellers that make travel impossible or unsafe. 

Examples may include: 

• War or military conflict 

• Natural disasters such as earthquakes or hurricanes 

• Government travel bans 

• Airspace closures 

• Large-scale political instability 

• Global pandemics 

Because these events are excluded, travel insurance may not cover cancellations or delays caused by them. Travelers should review the booking conditions of their airlines and hotels, as these providers are usually responsible for rebooking or credits in these scenarios.

Can You Cancel Your Trip and Claim Insurance? 

Travel insurance does not cover "disinclination to travel"; meaning you cannot claim if you simply decide not to go because of fear or a change of heart.

In these situations traveler should contact their booking provider first to request refunds, rebooking, or travel credit. 

Can You Change Your Travel Insurance Dates? 

Yes, if your trip hasn't started yet, adjustments can often be made. If the policy no longer meets your needs, you have the right to cancel it within the certain number of calendar days of purchase for a refund, provided no claims have been made.

In many cases: 

• The existing policy must be cancelled 

• A new policy is issued 

• The premium may change depending on the new travel dates 

Travelers should contact their travel advisor as early as possible to make adjustments. 

Are Medical Emergencies Still Covered? 

One of the most important protections of travel insurance is medical coverage abroad. 

Most policies issued by UAE Insurance companies cover: 

• Sudden illness during travel 

• Accidental injuries unrelated to conflict

• Emergency hospitalization 

• Medical evacuation when required 

Exclusions to watch for:

• Pre-existing conditions: Standard plans do not cover conditions you had before the trip unless you purchased the specific "Pre-Existing Medical Cover" upgrade.

• Conflict-related injuries: Injuries caused by war or civil unrest are excluded

What If Your Flight Is Cancelled? 

When flights are cancelled due to: 

• War or conflict 

• Airspace closures 

• Government restrictions 

These situations are typically handled by the airline not travel insurance. 

If You Are Delayed Abroad, Does Your Policy Extend? 

If you cannot finish your holiday within the original period of insurance due to unexpected circumstances beyond your control (and covered by the policy), your cover will be extended up to a certain number of days at no extra charge.

Travel Smart, Travel Prepared 

Travel insurance is an important safety net for international trips. While it cannot cover every scenario, it can provide essential protection and assistance when travelers need it most. 

The key is simple: understand your policy before you travel. 

If you have any questions about travel insurance or your upcoming trip, it is always best to speak with your travel advisor and review the details in advance. 

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