Travel insurance

XCover is owned by Cover Genius, an award-winning insurance tech firm offering XCover Protection backed by some of the world's largest insurance companies including Lloyd’s, Generali, Sompo, CNA, and Munich Re.

For full coverage details applicable to you, please log into your XCover Account.

You may not be covered if:

• You change your mind about going on your trip.
• You decide not to go on your trip due to wildfires, or a manmade or natural disaster.
• You decide to add a destination to your itinerary or change your final destination.
• flydubai reschedules your flight, and you cannot make the new flight, or you miss a connecting flight.
• Work, personal, or transport issues prevent you from going on your trip.
• You do not provide supporting evidence or necessary documents during the claim process.
• The event that caused your claim occurred before you bought XCover Protection.
• You are travelling against the advice of a medical practitioner.

For details on full coverage, please log into your XCover Account.

You can read the full terms and conditions of your insurance policy at https://www.xcover.com/en/pds/flydubai-comprehensive-travel-insurance.

Our travel protection covers passengers over 2 and under 85 years old. 

To check if any specific age limit applies to your policy, please view the terms and conditions in your XCover Account.

Your XCover Protection has a limit per benefit. If your claim is approved, the payment you receive will be limited to the limit specific to the item or service you’re claiming.

You can find your full benefits and limits in the certificate and terms and conditions in your XCover Account.

You’ll be covered when you fly from and to the following countries:

• Bahrain
• Kuwait
• Lebanon
• Oman
• Qatar
• The United Arab Emirates

View your Policy wording for full terms and conditions.

An account is automatically created for you when you buy XCover Protection. 

To activate your account, simply find the XCover confirmation SMS or email in your inbox and click the link to set up your XCover account. This is an important step to make any future claim submissions hassle-free. 

If you’ve already activated your account, simply log in using the email address you provided when completing the initial sign-up process to access your documents, make changes to your protection, or make a claim. You will need to complete the steps above for all XCover Protection products purchased.

You can log in by visiting https://www.xcover.com/en-us/login with the same email address you used on your booking.

If your flight was cancelled or delayed, or if you’re experiencing issues because your flight was rescheduled, follow the steps below: 

1. Check your policy in your XCover Account to see if the reason for your claim is covered. Coverage may differ based on the reason of cancellation or rescheduling, or the length of the delay.
2. If you are covered and would like to submit a claim, gather all the appropriate documentation. If you have this information ready, it will take you approximately 5 minutes to complete the claim form.
3. Log in to your XCover Account, select the XCover Protection you would like to claim for, and then select ‘Make a claim’.

If your travel plans have been disrupted, you can follow the steps below to make a claim:

1. Check your policy in your XCover Account to see if you are covered if you cancel, cut short, or reschedule your trip.
2. Cancel or reschedule your flights, accommodation, and other pre-paid bookings as needed. Keep documentation of this process. During the claim submission process, you will be asked to provide details and documents to support your claim, e.g. proof of cancellation.
3. Gather all the appropriate documentation. If you have this information ready, it will take you approximately 5 minutes to complete the claim form.
4. Log in to your XCover Account, select the XCover Protection you would like to claim for, and then select ‘Make a claim’.

To view your XCover Protection details, invoice, and certificate, simply log in to your XCover Account.

Depending on your protection terms and dates, you may be able to change or cancel your protection. You can log into your XCover Account and click ‘Cancel’ on the protection you’d like to cancel.

1. Gather all the details and documents to support your claim.
2. When you're ready to submit your claim, log into your XCover Account, select the XCover Protection you would like to claim for, and then select ‘Make a Claim’.

For more information about claim submission, please check the XCover Help Centre.

During your online claim submission, you will be asked to provide information and documents that support your claim. Clear and comprehensive documents will help XCover assess your claim faster. The documents required may depend on the type of claim. The following may serve as a useful guide:

• Documents required for claims related to trip cancellation/curtailment.
• Documents required for claims related to missed or delayed departure.
• Documents required for claims related to medical expenses.
• Documents required for claims related to theft or baggage loss, delay, damage.

Once you have these documents ready, it will take you approximately 5 minutes to complete the claim form. 

To check your claim status and view a complete history of emails from the XCover Claims Team, simply visit the XCover Claims Centre. You can also log in to your XCover Account and navigate to ‘Your Claim’.

For more information about claim progress, please check the XCover Help Centre.

Yes, there is excess/ deductible. Please check the XCover policy wording page. For full coverage details applicable to you please log into your XCover Account.

Once your claim is approved, XCover’s Claims Team will send you a payment email containing a secure link. The same link will become available when you log in to the XCover Claims Centre. Simply click 'Get Paid' and carefully complete your bank details.

If you are not the policyholder but you’ve bought the travel insurance for someone else and wish to submit a claim on their behalf, please follow these steps:

1. Log in to the XCover Account connected to the policy you’re claiming for.
2. Select the policy you want to claim for and then select ‘Make a Claim’.
3. In the ‘Claimant Information’ section, choose the option to make a claim on behalf of an insured person.
4. Answer the questions truthfully and make sure you have documented evidence that supports your claim.
5. Keep an eye on your inbox, as we may request additional information to assess your claim.

If you are the policyholder and wish to submit a claim on behalf of another beneficiary, learn more about claiming for a beneficiary.

If your coverage includes 24/7 emergency assistance or a related benefit, you can contact XCover Assist to arrange hospital or other treatment. 

You can find the number for XCover Assist within the ‘How claims work’ section of your policy in your XCover Account or access it by starting a claim and carefully selecting the options related to medical emergencies in the online claim form.

All medical reimbursement claims require pre-approval, including dental and related transport costs. To start the pre-approval process, please visit the XCover Claims Centre.

To check if you’re covered for pre-existing medical conditions, please check your policy terms and conditions in your XCover Account.

Yes, your current policy (Travel Guard for flydubai by AIG) will remain valid unless you change the dates of your booking. 

In that case, you’ll need to buy a new insurance policy with XCover.

No, if you change the dates of your booking, you’ll need to buy a new insurance policy with XCover.

Your AIG insurance will be cancelled with the booking and will not be applicable for a refund.

Your AIG insurance will remain valid if you remove a passenger from your booking.

You’ll need to repurchase a new insurance policy with XCover for all passengers in your booking.

You will be issued a new insurance policy with XCover.

Your AIG insurance will be cancelled with the booking and refunded in the form of a flydubai voucher.