Compare Dubai travel insurance

When it comes to man-made wonders, Dubai is one of the world’s most jaw-dropping destinations. There aren’t many places that offer a mall with over a thousand shops, or a ski resort in a desert. So, how do you choose travel insurance for such a unique holiday location? Let’s take a look.

When it comes to man-made wonders, Dubai is one of the world’s most jaw-dropping destinations. There aren’t many places that offer a mall with over a thousand shops, or a ski resort in a desert. So, how do you choose travel insurance for such a unique holiday location? Let’s take a look.

Josh Daniels
From the Travel team
minute read
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Posted 28 JANUARY 2020

Do I need travel insurance for Dubai?

It’s not a legal requirement to have travel insurance for Dubai, but you shouldn’t be without it. You won’t have any access to free medical treatment in Dubai so, if you fall ill, you need to have travel insurance or the means to pay a medical bill yourself.

Dubai is generally a very safe city, but as with all tourist destinations there is some pickpocketing. Add to that the risk of lost or damaged luggage and it’s a good idea to have insurance for your personal possessions. Plus, there are all the usual chances of cancellations and delays, which are far less upsetting when you have travel insurance to give you peace of mind.


The travel traffic light system currently states that trips to green and amber listed countries are legally permitted if you live in England and Scotland. If you live in Wales and Northern Ireland, you still need to follow the rules for your relevant government.

Please note: from 4am on 4 October 2021, the current traffic light system will be replaced by a single red list of countries.

Currently, if your destination of choice is on the green or amber list, you still need to check the latest travel advice and entry requirements for each country you visit or transit through. This is to ensure you are aware of any specific requirements relating to entry and ensure travellers from the UK are permitted. Countries can have their traffic light status changed with short notice and you should take this into consideration when looking to travel. Please check the Foreign, Commonwealth & Development Office (FCDO) for the latest information.

The FCDO currently advises against all but essential travel to red list countries. Most insurance policies purchased to cover a trip to a destination where the FCDO has instructed citizens not to travel to won’t be valid, however, some insurance providers may offer reduced cover if you’re travelling for essential purposes. Should you have any queries, please check the policy wording, or contact your chosen provider before purchasing, to ensure the cover meets your needs.

Travel within England, Scotland and Wales is permitted under the current guidelines. However, public health rules and lockdown restrictions continue to vary, including entry restrictions for Northern Ireland. Check the latest guidance from the official tourism boards for England, Scotland, Wales and Northern Ireland respectively.

Find out more here

Customers with more serious pre-existing medical conditions

When you declare medical conditions on our website, we’ll only show quotes from insurance providers who will cover all declared medical conditions, with no exclusions. 

MoneyHelper has launched a directory of insurance providers who may be able to provide quotes over the phone if you have more serious medical conditions. Find more information at MoneyHelper or by calling them on 0800 138 7777.

What should I think about when I compare Dubai travel insurance?

  • Does your travel insurance cover Dubai? If you’re relying on insurance that you get free with your bank account, the answer may well be no – those policies often only apply to Europe. For Dubai, you need worldwide travel insurance.
  • Do you have enough cover for your belongings? Because Dubai is the shopping capital of the Middle East, you may well come home with some pricey new possessions. Make sure to factor that in when you choose the level of baggage cover in your insurance policy.
  • Are all your activities covered? Skydiving, dune bashing, sandboarding, quad biking… the list of extreme sports available in Dubai goes on and on. A lot of them won’t be insured under a standard policy, so plan your adventures in advance and make sure you have the cover you need before you travel. Find out more about adventure travel insurance.
  • How much is the trip worth? If you had to cancel, how much money would you lose? Make sure you factor everything in, including flights, hotels, car hire and pre-booked activities. You should have at least that much cancellation cover included in your policy in case you need to claim. Find out more about holiday cancellation cover.
  • Are you going for business? Business travellers to Dubai might want a travel insurance policy that’s geared to their needs. Don’t worry, we can help you find this too. Find out more about business travel insurance.

Do I need a visa for Dubai?

Yes, but it’s easy to get. If you’re a British citizen you can get a 30 day visa when you enter the UAE. While you’re there, you can extend the visa for a fee at the immigration office.

Any other tips for travelling to Dubai?

A stunning destination of sunshine and blue seas, Dubai welcomes 1.2 million visitors from the UK every year. Here are a few things it’s nice to know before you join that number:

  • culture: Dubai is a welcoming place, but you might want to brush up on the etiquette and laws in advance. For example, public displays of affection aren’t acceptable in Dubai and could even get you into legal trouble. See what the Government of Dubai website has to say about Dubai’s etiquette and culture.
  • currency: the official currency is the UAE dirham (Dh) and cash machines are readily available
  • tipping: You don’t have to tip, but it is common and very welcome. Only food and drink outlets inside hotels can add service charges to your bill (usually 10%)
  • vaccines: you should see your doctor at least one month before travelling just to double check, but in most cases, you shouldn’t need anything specific to travel to Dubai or the UAE
  • time difference and flights: Dubai is +4 hours ahead of standard British time (GMT) and the average flight time to Dubai from London is 6 hours and 45 minutes

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