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    4. Travel insurance in the UAE

    Travel Insurance for the UNITED ARAB EMIRATES

      Travel Insurance

      Reliable protection anywhere in the world. Medical assistance, evacuation, and 24/7 support.

      Fast online insurance policy issuance

      Fast

      Policy in 5 minutes online

      World map symbolizing global insurance coverage

      Everywhere

      Worldwide coverage

      Shield as a symbol of reliable insurance protection

      Reliable

      Up to €90,000 coverage

      Call center operator with headset symbolizing round-the-clock support

      24/7

      Round-the-clock support

      What is travel insurance for going abroad?

      Travel insurance (also known as traveler's medical insurance or overseas travel insurance) is financial protection for the duration of your stay abroad. It covers unforeseen medical expenses that may arise during your trip.

      Travel insurance abroad protects you from:

      High costs of medical services in another country
      Expenses for emergency hospitalization and surgeries
      Cost of transportation to a medical facility
      Additional expenses related to insured events
      Image

      Why do you need traveler's insurance?

      Medical services abroad are expensive. Even a simple doctor's consultation can cost hundreds of dollars, and serious treatment can cost tens of thousands. An insurance policy allows you to receive necessary medical care without spending your own money.

      Financial protection

      Eliminates the need to pay for expensive treatment out of your own pocket. The insurance company covers all expenses.

      Quality assistance

      The service team will direct you to a verified clinic with Russian-speaking staff or an interpreter.

      Peace of mind

      You travel with the confidence that you will receive qualified assistance in any situation.

      Insurance in your pocket

      Get policies in 30 seconds and resolve insurance claims 5 times faster

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      Download now

      Get it on Google Play Download on the App Store
      EAI mobile app on a smartphone screen, showing a list of insurance policies.

      How does travel insurance work?

      Understanding how traveler's insurance works will help you effectively use your policy during your trip. The process is simple and clear:

      1

      Policy issuance

      You choose an insurance program, specify travel dates, and pay for the policy online. The policy arrives in the app within minutes.

      2

      Effective date

      The insurance becomes active from the specified travel start date. It is important to issue the policy before leaving the country.

      3

      Insured event

      If a health problem arises, call the service center using the number on your policy. Available 24/7.

      4

      Assistance organization

      The operator organizes medical assistance: directs you to a clinic, calls a doctor, or an ambulance.

      5

      Payment for services

      The insurance company pays for medical services directly to the clinic. You don't need to spend your own money.

      6

      Return home

      After treatment, you continue your journey or return home. The policy is valid until the end date.

      Important to know about how the insurance works:

      • Always call the service center before contacting a clinic (except in emergencies)
      • Keep all documents: receipts, certificates, prescriptions for possible reimbursement
      • Always have your policy number with you: keep it on your phone
      • Do not engage in extreme sports without an additional option in your policy
      Buy a policy

      Travel Insurance for the UNITED ARAB EMIRATES

      A policy from EUROASIA Insurance provides reliable protection against unforeseen medical expenses during your trip to the United Arab Emirates. The UAE is a land of contrasts, where modern skyscrapers stand alongside ancient traditions, and luxurious resorts attract millions of tourists from around the world, including citizens of Uzbekistan.

      Our insurance policy is valid in all seven emirates — Dubai, Abu Dhabi, Sharjah, Ajman, Ras Al Khaimah, Fujairah, and Umm Al Quwain. The policy covers all major medical risks: emergency medical care, hospitalization, dental treatment, medical evacuation, and repatriation. Special attention is given to the high cost of medical services in the UAE — even a simple doctor's consultation can cost $55-80, while surgery starts from $1,600.

      With an EUROASIA Insurance policy, you can enjoy relaxing on the beaches of the Persian Gulf, conquer the heights of Burj Khalifa, explore the desert in off-road vehicles, or shop in the world's largest malls, knowing that in case of an emergency, you will receive qualified medical care, and all expenses will be covered by the insurance company. Protect yourself and your loved ones — get your policy online in 3 minutes!

      View of Sheikh Rashid Al Maktoum Mosque

      Medical care in the UAE is among the most expensive in the world. Don't risk your budget!

      Even a simple doctor's visit can cost hundreds of dollars. Our policy will cover all unforeseen expenses and save you money.

      Medical Service Costs in the UAE

      Service Cost (AED) Cost (USD) Coverage
      Emergency ambulance call Free Free Tel: 998
      General practitioner consultation 200 - 400 ~$55 - $110 Covered
      Specialist consultation 400 - 700 ~$110 - $190 Covered
      Hospital stay per day from 3,000 ~$820 Covered
      Simple fracture treatment from 15,000 ~$4,100 Covered
      Appendectomy surgery from 11,000 ~$3,000 Covered
      Emergency dental care from 300 ~$80 Covered
      Repatriation to home country from 70,000 ~$20,000 Covered

      Prices are approximate and may vary depending on the clinic and complexity of the case.

      How much does travel insurance to UAE cost?

      The cost of travel insurance to UAE depends on several factors: the duration of the trip, the age of travelers, the coverage amount, and selected additional options.

      Insurance prices for a week trip to UAE:

      Program Coverage Cost (7 days)
      ECONOM €20,000 from 39,000 UZS
      CLASSIC +COVID €45,000 from 71,000 UZS
      ELITE +COVID €60,000 from 102,000 UZS
      EXCLUSIVE +COVID €90,000 from 203,000 UZS

      * Prices for ages 21-65. Rates may vary for other age groups.

      What determines the insurance price?

      Trip duration

      The longer the trip, the higher the cost. Price is calculated per day of stay.

      Coverage amount

      Policies with higher coverage cost more but provide better protection.

      Age

      Under 21 — coefficient 0.8. Over 65 — coefficients from 2.0 to 7.0.

      Activities

      Sports and active tourism increase the cost by 50% (coefficient 1.5).

      Important: Don't save on insurance! The difference between ECONOM and CLASSIC is only ~32,000 UZS, but CLASSIC includes COVID-19 coverage up to €5,000 and doubles the medical coverage.

      Calculate cost

      Your UAE Guide: What Travelers from Uzbekistan Really Need to Know

      The UNITED ARAB EMIRATES is not just skyscrapers and shopping. It's a different world with its own rules. We've prepared real advice for you—not a tourist brochure—that will help you avoid trouble and make your trip comfortable.

      Modern Dubai cityscape with skyscrapers
      1

      Money: Sums, Dollars, and Dirhams

      • Forget about sums: Exchanging Uzbek sums in the UAE is possible, but not without difficulties. Don't bring them with you.
      • Currency #1 — US Dollar: Bring US dollars with you, preferably new and clean bills. Euros are also acceptable, but the exchange rate from dollars to dirhams is usually more favorable.
      • Where to exchange: The worst rates are at the airport and hotel. It's best to exchange money at official exchange offices in large malls, such as UAE Exchange or Al Ansari Exchange. They offer the best rates with no commission.
      • Bank cards: Your HUMO and Uzcard cards will not work. Visa and Mastercard cards issued by Uzbek banks are accepted at most large stores and restaurants. However, always carry cash for markets, taxis, and small purchases.
      2

      Communication and Internet: How to Stay Connected on Telegram

      • Roaming is very expensive: Don't rely on roaming from your Uzbek operator—it will cost a fortune.
      • Local SIM card — the best solution: Right at Dubai Airport upon arrival, you can get a free tourist SIM card from the Du operator with 1 GB of free internet for 24 hours. You can then top it up. This is the most cost-effective option.
      • Messenger call blocking: An important feature of the UAE—audio and video calls in WhatsApp, Telegram, and other messengers are blocked here. To call home, you'll need to use a VPN service. Install it on your phone in advance, before the trip.
      3

      Dress Code Without Fanaticism: What Uzbeks Should Wear

      • No burqa required: Tourists are not required to cover their heads or wear traditional clothing.
      • The golden "shoulders and knees" rule: In public places (shopping malls, metro, parks, markets), your clothing should cover shoulders and knees. A regular t-shirt (not a tank top), pants, jeans, or a skirt below the knee is an ideal and respectful choice for both men and women.
      • At the beach and hotel — freedom: On hotel grounds, by the pool, and on public beaches (such as JBR or La Mer), you can freely wear shorts, tank tops, and swimwear. However, appearing in a swimsuit in the hotel lobby or in a store is considered inappropriate.
      • Visiting mosques: When entering mosques, such as the famous Sheikh Zayed Mosque in Abu Dhabi, tourists are provided with special clothing free of charge (abaya for women and kandura for men), so you don't need to worry about special attire.
      4

      What You Absolutely CANNOT Do in the UAE

      • Display affection in public: Holding hands is the maximum. Hugging and especially kissing in public places are strictly prohibited and can result in fines or arrest.
      • Photograph locals without permission: Especially women in traditional clothing. This is considered a rude invasion of privacy and a serious offense. Photograph architecture, landscapes, and yourself, but never point your camera at strangers.
      • Swear, shout, or use obscene gestures: Even in the heat of an argument or a minor traffic accident. Such behavior is considered a crime and can end in imprisonment and deportation. Always remain calm.
      • Criticize the government or religion: Never, nowhere, and with no one. This is an absolute taboo. Avoid any political or religious discussions.
      • Drink alcohol on the street: Alcohol can only be consumed in bars, clubs, and restaurants at licensed hotels. Appearing on the street intoxicated is a serious offense.
      Buy Policy

      What to Do in Case of an Insurance Claim

      Simple instructions for receiving medical care in the UAE.

      1

      Call the Assistance Service

      Call the 24/7 number from your policy. The operator will:

      • Arrange a clinic visit
      • Coordinate expenses with the insurance company

      Important: Call before visiting a doctor! Self-treatment may not be covered by insurance.

      2

      Present Your Documents

      At the clinic, present:

      • Insurance policy and passport
      • Case number from the operator
      3

      Receive Medical Care

      You will receive the necessary care:

      • Consultation and diagnostics
      • Treatment and medications

      You don't pay: all expenses within the limits are covered by the insurance company.

      4

      Keep All Documents

      If you pay out of pocket (in an emergency), keep:

      • Receipts and invoices
      • Medical reports and prescriptions

      These documents are needed for reimbursement.

      5

      Submit a Reimbursement Claim

      Upon returning to Uzbekistan:

      1. Complete a reimbursement claim form
      2. Attach all receipts and documents

      Reimbursement will be processed within 10-15 business days.

      Key Points

      • Key rule: call the assistance service first.
      • Keep your policy and passport handy.
      • Save all receipts and medical documents.
      Get a Policy

      Client reviews

      In Dubai, my daughter's temperature rose to 39 and she developed a severe cough. We called the insurance company, and a doctor was at our hotel in 40 minutes! He diagnosed her and brought all the necessary medications. We didn't pay a dime. You saved our vacation!


      Aziza Mirzaeva
      Tashkent

      At the Dubai airport, my blood pressure suddenly spiked, and I felt dizzy. My son called EUROASIA INSURANCE, and I was immediately taken to the medical center, where they did an EKG and gave me medication. I was back to normal in two hours. Thank you so much for your care!


      Bakhtiyor Yusupov
      Fergana

      On our honeymoon, my husband got food poisoning from seafood. Fever, vomiting—it was a nightmare! We called the insurance company, a doctor arrived at the hotel in half an hour, administered an IV, and gave him medication. Without insurance, we would have paid $300. The policy cost only $25! We'll never travel without EUROASIA INSURANCE again!


      Nigora and Jasur Karimovs
      Samarkand

      My friend dislocated his shoulder while riding an ATV in the desert. The insurance company arranged a hospital visit, they did an MRI, set the dislocation, and provided a brace. The $1000 bill was fully covered! The active-leisure insurance paid for itself 100%. I highly recommend it!


      Ruslan Mirzaev
      Tashkent

      During a shopping tour, I strained my back and couldn't straighten up. The insurance company sent a doctor to the hotel, who gave me an injection and medication. The pain was gone in an hour. Without insurance, I would have paid $300. The policy cost $18! I will always get insurance from now on. Thank you!


      Malika Yusupova
      Tashkent

      My son fell at the water park and badly cut his knee. Blood, tears, panic. We called EUROASIA INSURANCE, and they directed us to a clinic where they were already waiting for us. They cleaned the wound, stitched it up, and bandaged it. All for free! We continued our vacation peacefully. Thank you so much!


      Dilshod Rakhimov
      Namangan

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      Frequently asked questions about insurance in the UAE

      • For citizens of Uzbekistan, insurance is not mandatory for entry into the UAE (unlike the Schengen area). However, we strongly recommend purchasing a policy, as: • Medical care in the UAE is very expensive (a doctor's consultation starts from $55, and surgery from $1,600). • Ambulance services require payment (from $160). • The hot climate and active recreation increase the risk of health problems. • Insurance is 10-20 times cheaper than a single visit to a doctor.

      • The cost depends on: • The duration of the trip. • The age of the travelers. • The chosen insurance program. Approximate prices: • 7 days, "Economy" program — from 55,000 UZS. • 14 days, "Classic" program — from 200,000 UZS. • 30 days, "Exclusive" program — from 750,000 UZS. The exact cost can be calculated using the calculator on our website.

      • The policy is issued online in just 3 minutes: 1. Fill in your details in the calculator. 2. Pay using a convenient method. 3. Receive your policy in the app. There is no need to visit an office or wait for a courier!

      • Standard programs ("Economy", "Classic", "Exclusive") do not cover COVID-19. To be covered for coronavirus infection, please choose the "STOPVIRUS / COVID-19" program with a limit of 60,000 to 90,000 EUR.

      • Standard programs do not cover injuries sustained during extreme sports (diving, surfing, quad biking, parachuting, etc.).

      • 1. Call the assistance service (the phone number is in your policy) — available 24/7. 2. The operator will direct you to the nearest clinic and coordinate the expenses. 3. Present your policy and passport at the clinic. 4. Receive medical care free of charge (within the limits of your program). Important: Call BEFORE seeking medical attention! Treatment arranged independently, without prior approval, may not be covered.

      • We recommend having two versions: • A printed copy (in case of problems with your phone). • An electronic version in the app. Both versions have the same legal validity.

      • No, the policy can only be issued before leaving Uzbekistan. The insurance becomes effective from the moment of crossing the border.

      • No, the treatment of chronic diseases is not covered (hypertension, diabetes, asthma, etc.). The insurance only covers sudden illnesses and accidents that occur during the trip. However, if you are diagnosed with a chronic disease for the first time, the insurance may cover expenses up to 1,000 EUR for initial diagnosis and stabilization.

      • No, any events related to pregnancy, childbirth, and their complications are not covered by the insurance.

      • If you paid for the treatment yourself (in an emergency situation): 1. Keep all receipts, invoices, and medical documents. 2. Upon your return, fill out a reimbursement claim form. 3. Attach the documents and send them to EUROASIA INSURANCE. 4. Reimbursement will be made within 10-15 business days. Important: Even in an emergency, try to contact the assistance service as soon as possible!

      • Yes, the policy is valid in all seven emirates of the UAE: • Dubai • Abu Dhabi • Sharjah • Ajman • Ras Al Khaimah • Fujairah • Umm Al Quwain

      • No, the policy can only be extended before the current policy expires and only from Uzbekistan. We recommend planning your insurance period with a buffer.

      Can't find the answer?

      Please send us your question and we will respond as soon as possible.