Travel insurance

The policy benefits (with the maximum insured limits in US dollars) are shown in the table below.

* ‘Deductible’ refers to the amount of money you’d need to pay yourself before you could start claiming any insurance money.

You’ll be covered when you fly from the United Arab Emirates with flydubai.

Click on the name of the country where you’re starting your journey to download a summary of the cover you’ll get and Travel Guard’s terms and conditions.

This Policy will not cover any loss, injury, damage or legal liability caused by, sustained or arising directly or indirectly from planned or actual travel in, to, or through Cuba, Iran, Syria, Sudan, North Korea or the Crimea Region and actual travel in, to, or through Afghanistan or Iraq.

In the event of registering an insurance claim, please refer to your policy documents that you would have received by email which includes the contact details of the local insurance office in the country that you purchased the insurance policy from.

Important information

• If you want to make an accident & sickness claim, you need to call the 24-hour emergency medical assistance number. If you don’t, your claim might not be valid.
• If you want to make a claim for a lost item, you need to report your claim within 30 days of losing the item for your claim to be valid.

If you go into hospital while you’re outside your country of residence and are likely to be kept as an inpatient for more than 24 hours or if your outpatient treatment is likely to cost more than USD 500, someone should call one of the 24-hour emergency medical assistance numbers immediately on your behalf. If they don’t, your cover might not be valid or you might get less insurance money for medical expenses.

Here are some of the documents you may need to send to the claims office (along with your completed claims form) if you want to make a claim:

You can be covered for as long as your trip lasts up to a maximum of 90 days, starting from the day you travel.

If you’re only travelling one way, you can be covered for up to 7 days from the day you arrive at your destination on a flydubai flight.

You’ll only be covered by Travel Guard for flydubai when you fly with flydubai.

No, you can’t get a refund if you cancel your policy.

Yes, as long as you haven’t set off on your return journey yet. If you want to stay away for longer, Travel Guard for flydubai will give you a new policy once you’ve paid any extra charges. If you want to stay away for less time that you originally planned, your original policy will still be valid. Your cover will end as soon as you get back.

Your Travel Guard with flydubai cover will be automatically extended for up to 3 days.

The travel insurance will not cover the cost if flydubai cancels your flight. According to the terms and conditions under trip cancellation benefit, only the following will apply.

You will be reimbursed up to the overall limit shown on the schedule of benefits for travel and accommodation expenses that you have paid or have agreed to pay under a contract and which you cannot get back if it is necessary and unavoidable for you to cancel or cut short your trip as a result of the following:

1. You dying, becoming ill or injured.
2. The death, injury or illness of a relative, close business associate or a person with whom you have booked to travel or a relative or friend living abroad with whom you plan to stay.
3. If you are called for jury service (and your request to defer has been rejected), attending court as a witness (but not as an expert witness) or you are put in compulsory quarantine.
4. If you are made redundant as long as you are entitled to payment under the current redundancy payments law and that, at the time of booking your trip, you had no reason to believe that you would be made redundant.
5. If the police or the insurers of your home need you to stay after a fire, flood or burglary at your home within 48 hours before the date you planned to leave.
6. The extra cost for you to return home following the death, serious injury or serious illness of a relative or business associate in your country of issuance.

No, just make sure you have your policy number with you.

If you’ve already taken out travel insurance with Travel Guard for flydubai, you can download a copy of your certificate insurance here.

You can read the full terms and conditions of your insurance policy by clicking on the country you’re starting your journey from in the list above.

You need to report your claim no more than 30 days after the end of your insurance policy.

You claim will be processed within 14 working days of you sending us the correct documents.

You’ll be advised in writing of your right to appeal the claims decision and of the procedures for lodging an appeal with the local insurance company. You can appeal to the Claims Manager that is stated in the policy documents that you have received by email.

You can get 24 hour emergency assistance by calling: +44 1273 400610 (UK)
Or you can email: uk.assistance@aig.com

For Arabic speaking passengers, you can also call +971 4 509 6111 (UAE) or email: servicecenter-me@aig.com from Sunday to Thursday between 08:00 and 17:00 (UAE time).

No, trip cancellation solely for concern or fear of travel associated with sickness, epidemic or pandemic (including COVID-19) is not covered.

If the cancellation of your trip is not covered, you may be eligible for an insurance premium refund.

For more information on refund, see the question below "Can I cancel my insurance and get my premium refunded?"

If you contract COVID-19 prior to your departure, you could be covered for Trip Cancellation if there is a confirmed diagnosis, including proof of illness from your doctor, that states you are medically unable to travel at the time of departure.

If you become ill with COVID-19 while on a covered trip, you could be covered for Medical Expense and Trip Curtailment benefits, if there is a confirmed diagnosis, including proof of illness from a doctor.

This coverage is subject to the terms and conditions of your insurance policy.

If you are quarantined as a result of COVID-19, and you purchased your policy prior to March 11, 2020, you could be covered under the Trip Curtailment benefit, subject to the terms and conditions of your insurance policy.

You are eligible for a refund of your premium under the following conditions:

1. You have not started your trip, and
2. You have not filed a claim.