Does Travel Insurance in the UAE cover the Coronavirus?

Here we are providing some information regarding Travel Insurance in Dubai, UAE due to the coronavirus emergency medical situation and international travel. With the increase of more coronavirus cases in countries across the globe, The World Health Organization has declared the Coronavirus as a global emergency. So all international travellers need to take care of their health and wellbeing.

Before going to know about the travel insurance cover the Coronavirus or not, we need to know about a few things. When we're travelling, there are many things that can go against us by knowingly or unknowingly. The insurance companies divide these things into two types, Foreseen Event and Unforeseen Event.

Foreseen or Known Events:

A known event or foreseen event is something that happens to you or interrupts your travel trip that a normal person would have been aware of through the tv channels, newspapers, social media or public announcements, etc.

Ex:

• Forecasted weather conditions.

• Planned Airway strike.

• Viruses declared as a global emergency.

• Pre-Existing health issues.

Unforeseen or Unknown Events:

An unknown event or unforeseen event is something that happens to you or interrupts your travel trip that a normal person would have been not aware of. Simply Unforeseen circumstances are those that are outside your control.

Ex:

• An illness or injury happened during your travel.

• Baggage or personal things lost during the trip.

• Accidents occurred during travel.

• Hijacked or kidnapped during your trip.

Most of the insurance companies will only approve the claim for an “unforeseen event”. Since coronavirus was announced as a global emergency by the World Health Organization now every normal person is aware of this, so now it becomes a “foreseen event”. If anyone buys offline or online travel insurance after the announcement date generally insurance companies will not provide coverage related to that event.

People often make mistakes by thinking that insurance covers everything, but it doesn’t. The reputed Insurance companies in UAE like Oman Insurance Company provides detailed terms and conditions about their insurance covers. Before buying any insurance please read the insurer’s terms and conditions carefully.