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DubaiIf you travel to Dubai, life insurance applications should be accepted at normal rates. This is because insurance companies presently view the country as being of low risk to your personal well being. For those who spend a great deal of time in the country, six consecutive months or more, it is possible that you will need to be selective as to the insurer that you approach as soon may impose non-standard terms on the policy (premium increase).

When you are visiting Dubai for a short period of time such as for a holiday or to visit family your application should be accepted at standard rates.

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British citizens who have moved abroad can often still access life insurance and critical illness cover in the UK. There are specific rules that you must follow to be eligible for new life insurance and critical illness policies, and we are here to strip out the jargon and get you the cover that you need.

When you travel to Dubai, Critical Illness Cover applications may need to detail how long you have spent in the country in the last five years and any trips you intend to take in the next two years. Travel to Dubai should not present any concern with your Critical Illness policy and you will typically find that this cover is available at normal terms.

If you travel to Dubai regularly for work related purposes, it is possible that the insurer may ask specific details about the industry that you work in and your specific working tasks whilst there. Again, it is likely that you will be offered Critical Illness Cover at standard terms, but if your work is of a particularly hazard nature it is possible that the policy may be offered at special terms.

Critical illness cover for people planning to visit Colombia will be reviewed in a similar way to Life Insurance. The insurer will want to know how often you plan on travelling to the country, how long the duration of your stay will be and your purpose for travel e.g. leisure, business. Short-term trips may have little bearing on your application and you could have access to normal terms of cover. Where the trips are frequent and/or you will be staying in the country for more than 30 days at any one time, the insurance provider may decided to offer critical illness cover at special terms. As with life insurance, if you have previously spent time in Colombia you may be asked to submit to a Hepatitis and HIV test before your application can be fully processed.

Income protection cover for people travelling to Dubai should be available at normal terms with most insurance providers. Extensive travel of more than six months may result in you needing to be selective as to which insurer that you approach for income protection, to remain eligible for standard terms of cover.

When you apply for income protection your policy will be set up on a definition of own occupation, suited occupation or any occupation. You ideally want to arrange a policy on an own occupation basis as this will give you the strongest claims definition for income protection.

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Are you planning on a trip to Dubai? We’ve teamed up with a specialist travel insurance broker who can provide comprehensive cover for most countries. Request your no obligation travel insurance quote here.

Dubai GOV.UK Travel Advice
  • United Arab Emirates travel advice May 27, 2022
    Updated information on safety assessment and information about being pregnant and giving birth in the UAE ('Summary', ‘Safety and Security’, ‘Terrorism’ and ‘Local laws and customs’ pages)


  • Primary Concerns: Duration of stay, location 
  • Reason for Travel: Business, leisure
  • Duration of Stay: Holiday break, sabbatical, employment contract
  • Popular Locations: Jumeriah (Burj al Arab), Deira (Gold Souq)
  • It is illegal to gamble in Dubai, even at its world famous horse race, the Dubai World Cup.
  • If the need arises you can buy a one-ounce gold bar from an ATM.
  • Honesty is clearly a valuable asset in Dubai. In 2016 a tax driver gave police a gold ingot left in the back of his cab, worth a staggering £780,000!

Dr Kathryn Knowles Phd

This page was written by Dr Kathryn Knowles Phd, an award-winning insurance adviser. To read more about Kathryn please see her bio here


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