The Insurance You’ll Probably Need
Most Schengen visas, UK visas, and many other countries require valid travel insurance for the duration of stay. Beyond the legal requirement, travel insurance covers medical emergencies (which in Europe can run €15,000+ for a hospital stay), trip cancellation (recoverable airfare + non-refundable hotels), and lost or delayed baggage. The AED 79 starting price is comparable to a single restaurant meal — and one missed flight or pulled muscle abroad pays it back many times over.
Lavisa partners with three regulated UAE insurers — Orient, AXA, and Daman — to offer different price points and coverage profiles. We handle the application, issue the digital policy within 2 hours, and assist with claims if you need to make one.
What It Covers (Standard Tier)
Medical emergency expenses up to USD 100,000 (USD 250,000 on Premium). Emergency dental up to USD 500. Medical evacuation and repatriation (the big one — air ambulances can cost USD 50,000+). Trip cancellation up to USD 5,000. Trip delay USD 100/day after 6+ hours. Lost baggage USD 2,000. Personal liability USD 50,000. COVID-19 medical coverage (where you contract it abroad).
What It Doesn’t Cover
Pre-existing conditions (unless declared and paid for); extreme sports (skiing, scuba diving below 30m, paragliding) without the Adventure add-on; alcohol-related incidents above local legal limit; travel against Foreign Office advisories; and intentional self-harm. Everything else is generally covered.
How Claims Work
Medical: call the 24/7 hotline (printed on policy + emailed) — they coordinate with local hospitals directly. You pay nothing if you call them first. Trip cancellation/lost baggage: file claim within 30 days via online portal with documentation. Settlement typically 14-21 days for cancellation, 28-45 days for medical reimbursement.
Who Should Pick Which Tier
Basic (AED 79): 5-day Schengen visa-compliance trips, low-risk activities. Standard (AED 149): 2-3 week European/Asian trips, families. Premium (AED 299): US/Canada trips (medical costs higher), extreme sports, business with high-value equipment.
