Compare Plans
Standard annual multi-trip plans. All figures in AED. Prices are approximate — get a direct quote for your exact premium.
| Feature |
GIG Gulf
GIG Travel
from AED 499per year · standard
|
Orient
Orient Travel
from AED 450per year · standard
|
Sukoon
Sukoon Travel
from AED 399per year · standard
|
Watania
Noor Takaful
from AED 329per year · standard
|
|---|---|---|---|---|
| Medical cover | ||||
| Medical & hospitalisation Per trip, emergency treatment abroad | AED 500,000 | AED 500,000 | AED 500,000 | AED 375,000 |
| Emergency medical evacuation Air ambulance & repatriation | AED 1,000,000 | AED 500,000 | AED 750,000 | AED 500,000 |
| COVID-19 medical cover Treatment if infected abroad | ✓ Included | ✓ Included | Add-on | ✗ |
| Pre-existing conditions Coverage for known health conditions | Optional | Optional | ✗ | ✗ |
| Trip disruption | ||||
| Trip cancellation Non-refundable costs if you can't travel | AED 15,000 | AED 12,000 | AED 10,000 | AED 7,500 |
| Trip curtailment If you have to cut short your trip | AED 15,000 | AED 12,000 | AED 10,000 | AED 7,500 |
| Flight delay Per 4 hours' delay | AED 150 | AED 100 | AED 100 | AED 75 |
| Missed connection Connecting flight missed due to delay | ✓ Covered | ✓ Covered | ✓ Covered | ✗ |
| Baggage & belongings | ||||
| Lost or stolen baggage Replacement of lost luggage | AED 3,000 | AED 2,500 | AED 2,000 | AED 1,500 |
| Baggage delay Emergency purchases if bags delayed 12hr+ | AED 750 | AED 500 | AED 500 | AED 375 |
| Electronics cover Laptops, phones, cameras | Optional | ✗ | ✗ | ✗ |
| Liability & other | ||||
| Personal liability If you cause damage or injury | AED 500,000 | AED 375,000 | AED 375,000 | AED 250,000 |
| Passport & document loss Emergency replacement costs | ✓ Covered | ✓ Covered | ✓ Covered | ✓ Covered |
| 24/7 emergency helpline Assistance hotline from anywhere | ✓ | ✓ | ✓ | ✓ |
| Policy terms | ||||
| Max trip duration Per single trip on annual plan | 30 days | 31 days | 30 days | 25 days |
| Max age at purchase Standard annual plan | 75 years | 70 years | 70 years | 65 years |
| UAE residents eligible Open to non-UAE nationals with UAE residency | ✓ | ✓ | ✓ | ✓ |
| Family plan available One policy covering all family members | ✓ | ✓ | ✓ | ✗ |
| Overall score (out of 10) | ||||
| Comparative score Based on cover depth, price, and features |
8.4
Best all-round
|
7.9
Strong runner-up
|
7.3
Good value
|
6.1
Budget option
|
| Get a quote | Get GIG quote → | Orient → | Sukoon → | Watania → |
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Frequently Asked Questions
Every answer is sourced from policy documents. Click to expand.
What is the best travel insurance for UAE residents?
For UAE residents, GIG Gulf Travel Insurance leads on medical cover (AED 500,000) and emergency evacuation (AED 1,000,000), with COVID-19 cover included as standard. Orient is the closest competitor. For budget-focused travellers, Sukoon offers strong medical limits at a lower price point.
The right choice depends on your destination (USA/Canada requires a higher-tier plan), trip frequency, and whether you need COVID-19 cover or a family policy. 📋 Source: GIG Gulf policy schedule
The right choice depends on your destination (USA/Canada requires a higher-tier plan), trip frequency, and whether you need COVID-19 cover or a family policy. 📋 Source: GIG Gulf policy schedule
How much does annual travel insurance cost in UAE?
Annual multi-trip travel insurance for UAE residents costs approximately AED 329–499 for standard worldwide cover (excl. USA/Canada). Adding USA/Canada cover increases premiums by approximately 30–40%.
Indicative prices: GIG Gulf ~AED 499, Orient ~AED 450, Sukoon ~AED 399, Watania ~AED 329. All prices are indicative — get a direct quote as premiums vary by age, cover level, and travel history. 📋 Source: Policy schedule comparison, June 2026
Indicative prices: GIG Gulf ~AED 499, Orient ~AED 450, Sukoon ~AED 399, Watania ~AED 329. All prices are indicative — get a direct quote as premiums vary by age, cover level, and travel history. 📋 Source: Policy schedule comparison, June 2026
Does UAE travel insurance cover COVID-19?
GIG Gulf and Orient Insurance include COVID-19 medical cover as standard on their travel plans. Sukoon offers it as an optional add-on. Watania Travel Takaful does not currently include COVID-19 cover.
Check policy wording carefully — most policies cover medical treatment if you contract COVID-19 abroad, but may exclude cancellation costs if travel is disrupted by COVID-19 restrictions. 📋 Source: GIG Gulf policy wording, 2026
Check policy wording carefully — most policies cover medical treatment if you contract COVID-19 abroad, but may exclude cancellation costs if travel is disrupted by COVID-19 restrictions. 📋 Source: GIG Gulf policy wording, 2026
What medical cover do I get with UAE travel insurance?
Standard plans provide AED 375,000–500,000 in emergency medical cover per trip. GIG Gulf and Orient both offer AED 500,000. Emergency medical evacuation (air ambulance) coverage is separate and ranges from AED 500,000 (Watania) to AED 1,000,000 (GIG Gulf).
This covers emergency hospitalisation, surgery, and treatment abroad. Routine check-ups and non-emergency treatment are excluded. 📋 Source: Policy schedule comparison above
This covers emergency hospitalisation, surgery, and treatment abroad. Routine check-ups and non-emergency treatment are excluded. 📋 Source: Policy schedule comparison above
Can I get travel insurance with a pre-existing condition in UAE?
GIG Gulf and Orient Insurance offer optional extensions for pre-existing medical conditions at additional premium. Sukoon and Watania do not cover pre-existing conditions on standard plans.
Important: Always declare all medical conditions at purchase. Non-disclosure can void your entire policy, not just the related claim. 📋 Source: GIG Gulf policy terms & conditions
Important: Always declare all medical conditions at purchase. Non-disclosure can void your entire policy, not just the related claim. 📋 Source: GIG Gulf policy terms & conditions
What is the maximum trip duration on UAE annual travel insurance?
UAE annual multi-trip plans cover individual trips of 25–31 days per departure. Orient covers the longest single trip at 31 days; Watania the shortest at 25 days. GIG Gulf and Sukoon cover 30 days per trip.
For trips longer than the per-trip limit, a single-trip policy with an extended duration is the right solution. 📋 Source: Policy schedule comparison above
For trips longer than the per-trip limit, a single-trip policy with an extended duration is the right solution. 📋 Source: Policy schedule comparison above
Does travel insurance from UAE cover travel to the USA?
Travel to the USA and Canada requires a worldwide plan — worldwide excl. USA/Canada plans do not provide cover there. GIG Gulf, Orient, and Sukoon offer USA/Canada-inclusive worldwide plans; Watania's cover is limited.
USA plans are approximately 30–40% more expensive due to high US medical costs. GIG Gulf worldwide (incl. USA) starts from approximately AED 699/year for standard cover. 📋 Source: GIG Gulf plan comparison page
USA plans are approximately 30–40% more expensive due to high US medical costs. GIG Gulf worldwide (incl. USA) starts from approximately AED 699/year for standard cover. 📋 Source: GIG Gulf plan comparison page
What does trip cancellation cover in UAE travel insurance?
Trip cancellation reimburses non-refundable costs (flights, hotels, tours) if you cannot travel due to a covered reason such as illness, injury, death of a close relative, natural disaster, or jury duty.
Cover limits: GIG Gulf AED 15,000 · Orient AED 12,000 · Sukoon AED 10,000 · Watania AED 7,500. "Change of mind" and travel disruption due to government-imposed restrictions are typically excluded. 📋 Source: Policy schedule comparison above
Cover limits: GIG Gulf AED 15,000 · Orient AED 12,000 · Sukoon AED 10,000 · Watania AED 7,500. "Change of mind" and travel disruption due to government-imposed restrictions are typically excluded. 📋 Source: Policy schedule comparison above
📋 Data sources & methodology
-
1GIG Gulf Travel Insurance — Policy schedule and cover limits extracted from published policy document.
giggulf.com/travel-insurance · Accessed June 2026 -
2Orient Insurance Travel Plan — Cover limits from Orient Insurance UAE policy wording.
orientinsurance.ae · Accessed June 2026 -
3Sukoon Insurance (formerly RSA UAE) — Sukoon Travel product terms. Note: RSA UAE rebranded to Sukoon in 2023. AXA UAE operations were acquired by GIG Gulf.
sukoon.ae · Accessed June 2026 -
4Watania / Noor Takaful — Watania Travel Takaful product schedule. Note: Noor Takaful rebranded to Watania.
watania.ae · Accessed June 2026 -
5Methodology — Cover limits taken from standard annual multi-trip, worldwide (excl. USA/Canada) policies. Prices are approximate starting premiums for a single adult under 45. Actual premiums vary by age, health, destination, and cover level. Data reviewed quarterly.
Important: All prices and cover limits on this page are illustrative and based on publicly available policy schedules as of June 2026. They may not reflect current pricing. Always obtain a direct quote from the insurer before purchase. GIG Gulf Travel Compare is an informational tool only and does not constitute insurance advice.