Travel insurance in UAE amid conflict: Limits, key coverage, exclusions explained

Faisal Abbas and Toshita Chauhan’s perspectives on how war exclusions define travel protection in uncertain times | Continental Group

As regional conflict disrupts air travel across the Middle East, including widespread flight cancellations and temporary airspace closures, travel insurance activity in the UAE has surged in terms of inquiries rather than claims. Despite heightened concern among travellers, insurers confirm that premiums remain largely stable, with no immediate pricing adjustments linked to geopolitical tensions. Industry experts highlight that most standard policies exclude losses arising from war, military action, or large-scale airspace disruptions, placing responsibility for refunds and rebooking primarily on airlines and travel providers. While demand for clarity around coverage is increasing, the market continues to be shaped more by long-term factors such as global travel trends and medical inflation than short-term regional instability.