Travel insurance

Get great-value, reliable travel insurance for yourself and other travellers through our travel partner.

Due to the widespread media reports of Coronavirus (COVID-19), and the World Health Organization (WHO) announcement declaring COVID-19 a pandemic, COVID-19 is a foreseen or known event. If you are purchasing a new policy, certain coverages may not apply. Read full details.

Travel Guard for flydubai

Travel Guard for flydubai is the travel insurance provided by flydubai's travel partner, AIG Inc. It can cover you if:

  • you have to cancel your trip
  • you need emergency medical treatment while you're away
  • you need to fly home early

How do I buy Travel Guard for flydubai?

You can take out your travel insurance when you book your flydubai flight:

Who can buy Travel Guard for flydubai?

You can buy for yourself and for other travelers. You must be a resident of the country where travel insurance policy is issued. People, who you want to cover, must be:

  • a resident of the country where they are starting their journey with you and you must be a resident of the country where the travel insurance policy is issued; and
  • over 2 years old.

Frequently asked questions

What will I be covered for?

The basic information about policy benefits (with the maximum insured limits in US dollars) is shown in the table below.  These are not complete terms and conditions of cover. For full coverage information please read the policy terms and conditions.

Policy benefitsIf you’re aged 2 years to 64 yearsIf you’re over 64
Trip cancellationDeductible*USD 1,000N/AUSD 1,00020% of total amount claimed
Trip interruption/curtailmentDeductibleUSD 1,000N/AUSD 1,00020% of total amount claimed
Accidental & sickness (medical reimbursement)DeductibleUSD 50,000USD 50USD 10,000USD 200
Evacuation and repatriationIncluded under accident & sicknessIncluded under accident & sickness
Loss of baggage, personal effects & travel documentsSingle item limitValuable limitUSD 1,000 USD 250 USD 500USD 1,000 USD 250USD 500
Baggage delayIn excess of:Up to USD 1504 hoursUp to USD 1504 hours
Trip delayIn excess of:USD 50 per hour for up to 10h 4 hoursUSD 50 per hour for up to 10h 4 hours
Missed departureUSD 150USD 150
Personal liabilityUSD 50,000USD 25,000
Legal feesUSD 2,000USD 2,000
AssistanceIncludedIncluded
Trip cancellation
If you’re aged 2 years to 64 yearsDeductible*USD 1,000N/A
If you’re over 64Deductible*USD 1,00020% of total amount claimed
Trip interruption/curtailment
If you’re aged 2 years to 64 yearsDeductible*USD 1,000N/A
If you’re over 64Deductible*USD 1,00020% of total amount claimed
Accidental & sickness (medical reimbursement)
If you’re aged 2 years to 64 yearsDeductible*USD 50,000USD 50
If you’re over 64 yearsDeductible*USD 10,000USD 200
Evacuation and repatriation
If you’re aged 2 years to 64 yearsIncluded under accident & sickness
If you’re over 64 yearsIncluded under accident & sickness
Loss of baggage, personal effects & travel documents
If you’re aged 2 years to 64 years Single item limitValuable limitUSD 1,000 USD 250 USD 500
If you’re over 64 years Single item limitValuable limitUSD 1,000 USD 250 USD 500
Baggage delay
If you’re aged 2 years to 64 years In excess of:Up to USD 1504 hours
If you’re over 64 years In excess of:Up to USD 1504 hours
Trip delay
If you’re aged 2 years to 64 years In excess of:USD 50 per hour for up to 10h 4 hours
If you’re over 64 years In excess of:USD 50 per hour for up to 10h 4 hours
Missed departure
If you’re aged 2 years to 64 yearsUSD 150
If you’re over 64 yearsUSD 150
Personal liability
If you’re aged 2 years to 64 yearsUSD 50,000
If you’re over 64 yearsUSD 25,000
Legal fees
If you’re aged 2 years to 64 yearsUSD 2,000
If you’re over 64 yearsUSD 2,000
Assistance
If you’re aged 2 years to 64 yearsIncluded
If you’re over 64 yearsIncluded

* ‘Deductible’ refers to the amount of money you’d need to pay yourself before you can start claiming under the benefit.

Which countries can I start my trip from and be covered in?

You’ll be covered when you fly from any of the following countries with flydubai:

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.

Where can I see the full terms and conditions of my travel insurance?

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. The terms and conditions will also be provided to you for acknowledgment at the time of purchasing a travel policy.

Do I have to carry a copy of my insurance certificate with me when I travel?

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

How long will I be covered for?

Your coverage period will be shown on your policy. Generally, you will 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 will be covered for up to 7 days from the day you arrive at your destination on a flydubai flight.

Will I be covered on a connecting flight?

You will only be covered when you fly with flydubai.

Will I be covered if I want to cancel my trip because I'm afraid to travel due to COVID-19?

Trip Cancellation solely for concern or fear of travel associated with sickness, epidemic or pandemic (including COVID-19) is not covered.

Will I be covered if I contract COVID-19?

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 expenses and trip curtailment benefits, if there is a confirmed diagnosis, including proof of illness from a doctor.

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

What happens if I am quarantined due to COVID-19 while on a trip?

If you test positive for COVID-19 while travelling, and as a result are unexpectedly placed into a mandatory quarantine, travel insurance will pay up to the amount specified in the schedule of benefits for reasonable and necessary accommodation costs, meals or other expenses directly related to quarantine.

This benefit will not apply where quarantine measures are mandatory for all arriving passengers or quarantine mandates exist for all passengers from a particular country/region of origin.

‘Quarantine’ means a restriction on movement or travel placed by a medical or governmental authority, in order to stop the spread of a communicable disease.

How can I make a claim?

To find out how to make a claim please refer to your policy documents that you would have received by email. There you will find 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 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.
What documents will I need to make a claim?

Here are the documents you may need to send to the claims department (along with your completed claim form) if you want to make a claim. Further documents maybe requested upon claim review:

Type of claimWhy you are making the claimDocuments you will need
All claims
  • Certificate of insurance or policy number
  • Proof of travel - original boarding pass or original travel itinerary
Trip cancellation or trip interruption / curtailmentMedical condition
  • Medical certificate
Injury or illness
  • Medical certificate
  • Full description of incident (including details of any third party/parties involved if appropriate)
Death
  • Certified copy of death certificate
Redundancy
  • Letter from former employer confirming termination of employment and other employment details
Jury duty
  • Copy of summons to jury duty
Any other reason
  • Incident report with details of circumstances resulting in submission of claim
Accident & sickness(medical reimbursement)Sickness
  • Medical certificate
  • Passport copies showing exit date from city of departure and entry date into city of arrival
  • Original receipts for all expenses incurred
Accident or injury
  • Medical certificate
  • Passport copies showing exit date from city of departure and entry date into city of arrival
  • Original receipts for all expenses incurred
  • Incident report with details of circumstances resulting in submission of claim
Death
  • Certified copy of death certificate
  • Grant of probate/letters of administration (if claim is submitted on behalf of the estate of a deceased insured)
Loss of baggage, personal effects & travel documents and baggage delayBaggage loss (not in custody of common carrier)
  • Police report
Baggage loss (in custody of common carrier)
  • Property Irregularity Report (PIR) from the carrier, baggage tags and confirmation that no payment has been issued
  • Statement of items lost (verified by the carrier)
Damage only
  • Estimate for repair – retain all damaged items as you may be asked to forward them to the claims office
Baggage delay
  • Property Irregularity Report (PIR) from the carrier, baggage tags and details of the date and time the baggage arrived
  • Original receipts for essential purchases of clothing and toiletries
Loss of passport
  • Consular report and police report
  • Original receipts for expenses incurred to replace passport or travel documents
Trip delay
  • Airline confirmation letter stating the reason for and duration of the delay
Missed departure
  • Confirmation of the reason for the delay and how long it lasted from the appropriate authority
Personal liability & legal feesPersonal liability
  • Incident report (including details of any witnesses or third parties involved)
Legal fees
  • Proof of injury, illness or death
  • Proof of the nature of legal costs incurred
  • Original receipts for legal expenses
All claims
Documents you’ll need
  • Certificate of insurance or policy number
  • Proof of travel - original boarding pass or original travel itinerary
Trip cancellation or trip interruption / curtailment
Why you’re making the claimDocuments you’ll need
Medical conditionMedical certificate
Injury or illness
  • Medical certificate
  • Full description of incident (including details of any third party/parties involved if appropriate)
Death
  • Certified copy of death certificate
  • Grant of probate/letters of administration (if claim is submitted on behalf of the estate of a deceased insured)
Redundancy
  • Letter from former employer confirming termination of employment and other employment details
Jury duty
  • Copy of summons to jury duty
Any other reason
  • Incident report with details of circumstances resulting in submission of claim
Accident & sickness (medical reimbursement)
Why you’re making the claimDocuments you’ll need
Sickness
  • Medical certificate
  • Passport copies showing exit date from city of departure and entry date into city of arrival
  • Original receipts for all expenses incurred
Accident or injury
  • Medical certificate
  • Passport copies showing exit date from city of departure and entry date into city of arrival
  • Original receipts for all expenses incurred
  • Incident report with details of circumstances resulting in submission of claim
Death
  • Certified copy of death certificate
  • Grant of probate/letters of administration (if claim is submitted on behalf of the estate of a deceased insured)
Loss of baggage, personal effects & travel documents and baggage delay
Why you’re making the claimDocuments you’ll need
Baggage loss (not in custody of common carrier)
  • Police report
Baggage loss (in custody of common carrier)
  • Property Irregularity Report (PIR) from the carrier, baggage tags and confirmation that no payment has been issued
  • Statement of items lost (verified by the carrier)
Damage only
  • Estimate for repair – retain all damaged items as you may be asked to forward them to the claims office
Baggage delay
  • Property Irregularity Report (PIR) from the carrier, baggage tags and details of the date and time the baggage arrived
  • Original receipts for essential purchases of clothing and toiletries
Loss of passport
  • Consular report and police report
  • Original receipts for expenses incurred to replace passport or travel documents
Trip delay
Documents you’ll needAirline confirmation letter stating the reason for and duration of the delay
Missed departure
Documents you’ll needConfirmation of the reason for the delay and how long it lasted from the appropriate authority
Personal liability & legal fees
Why you’re making the claimDocuments you’ll need
Personal liability
  • Incident report (including details of any witnesses or third parties involved)
Legal fees
  • Proof of injury, illness or death
  • Proof of the nature of legal costs incurred
  • Original receipts for legal expenses
Can I cancel my policy and get a refund?

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

  • You have not started your trip; and
  • You have not filed a claim.

To raise a refund request please email: servicecenter-me@aig.com.

Can I make changes to my policy?

Yes, you can make changes to the travel dates of your policy provided it is done before the original start date of travel and it is within the same travel duration. If your travel dates are shorter than the original duration, the original policy will still be valid. Your cover will end on the policy expiry date or the date you return back to your country of residence, which is earlier.

Will I be covered for trip cancellation or trip delay if flydubai cancels my flight?

Trip cancellation benefit does not provide any coverage if flydubai cancels or postpones your flight.

Is there a time limit for filing a claim?

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

How long will it take to process my claim?

Claim processing can take up to 14 working days after you send all requested documents to the insurer providing coverage.

What do I do if I disagree with a claims decision?

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.

How can I get help with my travel insurance?

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

For any queries on your travel insurance policy, please refer to the contact details of the local insurance company in your policy documents.

How can I get hold of a copy of my insurance certificate?

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

Disclaimer

Travel Guard for flydubai is underwritten by AIG Inc. member companies or third party affiliates licensed to provide insurance in the country where your travel originates. flydubai assumes no responsibility for the payment of any claims made through your Travel Guard policy. The information and descriptions contained herein are not complete descriptions of the products and services, but are general information. Please refer to the actual policy wording, which will contain reductions, limitations, exclusions and termination provisions. Not all cover will be available in every country. If there is any conflict between the contents of this website and the policy wording, the policy wording will govern in all cases. Certain names, words, titles, phrases, logos, icons, graphics or designs on this website may constitute trade names, registered or unregistered trade-marks ("Trade-marks") of AIG and used under licence by AIG. All information on this website is protected under copyright legislation.

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