Travel insurance covers emergency medical expenses (minimum EUR 30,000 for Schengen visas), hospitalisation, medical repatriation, trip cancellation, baggage loss, and flight delay compensation. For UAE residents, AXA-issued plans from Travl start at AED 30 for Schengen cover and AED 245 for an annual multi-trip policy. Coverage limits and inclusions vary by plan, so matching the plan to your destination and trip type matters.
Travel insurance covers emergency medical expenses, trip cancellation, baggage loss, flight delays, and medical repatriation. For UAE residents, the exact coverage depends on the plan — a basic Schengen insurance policy covers the legal minimum of EUR 30,000 in medical expenses, while an international plan can include EUR 80,000 or more in cover, plus extras like trip cancellation and baggage protection. Here is a plain-English breakdown of what each type covers, what is excluded, and how to choose the right plan before you travel.
Emergency medical cover pays for the cost of treatment if you fall ill or are injured abroad. This includes doctor visits, hospital stays, surgery, prescription medication, and ambulance fees. If you need to be flown home for treatment, medical repatriation is covered — this alone can cost tens of thousands of dirhams without insurance.
For Schengen visa applicants, embassies require a minimum of EUR 30,000 in medical coverage, valid across all Schengen member states. Travl's Schengen visa insurance, issued by AXA, meets this requirement from AED 30 and is accepted by VFS Global and BLS International.
If you are travelling outside Europe or want higher cover, the travel medical insurance plan includes COVID-19 coverage and higher hospitalisation limits for destinations worldwide.
Trip cancellation cover reimburses pre-paid, non-refundable expenses — flights, hotels, tours — if you have to cancel your trip for a covered reason. Covered reasons typically include sudden illness or injury, a death in the immediate family, or an unexpected work obligation. Changing your mind about travelling is not a covered reason.
Trip cancellation is included in Travl's international travel insurance plan, which provides worldwide coverage with EUR 80,000 or more in medical cover starting from AED 70. If you travel regularly, the annual multi-trip plan at AED 245 covers unlimited trips across 12 months and includes trip cancellation on every journey.
Baggage cover pays compensation if your checked luggage is lost, stolen, or damaged by the airline. There is usually a per-item limit and an overall cap per claim, so high-value items like laptops and cameras may need to be declared separately or covered under a separate policy.
Flight delay cover kicks in when your departure is delayed beyond a set number of hours — usually four to six hours depending on the plan. It reimburses reasonable expenses like meals, accommodation, and transport at the airport during the wait. If your delay causes you to miss a connecting flight, additional costs for rebooking may also be covered.
Both baggage and delay cover are included in Travl's international travel insurance plan. For a full comparison of what each plan includes, visit the Travl travel insurance hub where you can compare plans side by side and get a quote.
Yes — Schengen visa travel insurance is a mandatory document, not optional. Every Schengen visa application from UAE residents must include a travel insurance certificate showing at least EUR 30,000 in medical and repatriation coverage, valid for the entire duration and geographic scope of the trip. Without it, your application will be rejected at the document-checking stage.
This is one of the most common reasons for visa refusal. If you want to understand the full list of required documents, the Schengen visa documents checklist for UAE residents covers everything you need to submit. And if you want more detail on exactly what the insurance certificate must state, read our guide on Schengen visa travel insurance requirements.
Knowing what is excluded is just as important as knowing what is covered. Standard exclusions across most plans include:
Always read the policy wording before purchasing. The plan summary on the Travl insurance page outlines inclusions and exclusions clearly so you know exactly what you are buying.
The right plan depends on three factors: your destination, the length of your trip, and how often you travel each year.
If you are applying for a Schengen visa, you need a policy with at least EUR 30,000 in medical cover, valid across all Schengen states. Travl's Schengen visa insurance starts at AED 30 and is issued by AXA, meaning it is accepted by all major Schengen embassies, VFS Global, and BLS International.
For a one-off trip to the UK, USA, Asia, or elsewhere, a single trip insurance policy covers you from departure to return. This is the most straightforward option if you travel once or twice a year.
If you travel more than three or four times a year, an annual multi-trip policy at AED 245 works out significantly cheaper than buying individual policies each time. You get 12 months of cover for unlimited trips, which is practical for expats who regularly visit family or travel for work.
Yes — most visa applications, including Schengen, UK, and US visas, require a confirmed flight itinerary as proof of your travel plans. Many people make the mistake of buying a real ticket before their visa is approved, which means losing money if the application is refused. The smarter approach is to use a verified flight reservation with a real PNR code.
Dummy Ticket 365 issues verified flight reservations in standard airline booking format, complete with valid GDS and PNR codes that visa officers can verify. Starting from USD 13, the reservation is delivered by email instantly and is accepted for Schengen, UK, US, Canada, and other visa applications. Dummy Ticket 365 also issues hotel reservations if your application requires proof of accommodation. For more on why buying a real ticket first is a financial risk, read why buying a real ticket before your visa is approved is a risky move.
Getting insured takes about five minutes. Go to the Travl travel insurance hub, select your destination and travel dates, choose the plan that matches your needs, and pay online. Your AXA-issued policy document is sent by email and is ready to submit with your visa application immediately.
If you have questions about which plan to choose or what documents your embassy requires, the Travl FAQ covers the most common queries from UAE residents. You can also read the full guide on why travel insurance is essential for a Schengen visa application for more context on the requirement.
Travl offers AXA-issued travel insurance plans for UAE residents starting from AED 30 for Schengen cover and AED 245 for an annual multi-trip policy. Your policy document is emailed instantly and is accepted by all Schengen embassies, VFS Global, and BLS International. If you also need a verified flight reservation for your visa application, Dummy Ticket 365 delivers embassy-accepted reservations with real PNR codes from USD 13 — no need to buy a real ticket before your visa is approved.
