Travel InsuranceWhether you are heading to Europe, visiting family, or exploring somewhere new, Pioneer helps you find the right travel insurance so you can travel with confidence.
A medical emergency abroad can cost tens of thousands of dirhams. A cancelled flight, lost luggage, or stolen passport can turn a dream trip into a stressful experience. Travel insurance gives you the financial protection and practical support you need when things don’t go to plan.
It is affordable, easy to arrange, and gives you peace of mind from the moment you leave home until the moment you return.
Travel insurance can protect you against a wide range of risks while you are away:
Cover for a single trip, from the day you depart to the day you return. Ideal for holidays, business trips, and one-off travel. Choose the destination, dates, and level of cover that suits your needs.
If you travel frequently, an annual multi-trip policy covers all your trips throughout the year under one policy. This is often more convenient and more cost effective than buying a separate policy for each trip.
Planning a trip to Europe? Travel insurance is a mandatory requirement for obtaining a Schengen visa. Your policy must provide a minimum of €30,000 in emergency medical cover and be valid across all Schengen member states for the full duration of your stay.
We arrange Schengen-compliant travel insurance that meets all European embassy requirements, so your visa application has one less thing to worry about. Cover includes emergency medical expenses, hospitalisation, emergency dental, repatriation, and more.
Finding travel insurance for older travellers can be challenging, with many providers applying age limits or heavy surcharges. We work with insurers who offer cover for seniors up to 80 years old, with comprehensive medical protection and emergency assistance.
Travelling as a family? We offer family plans that cover parents and children together under one policy. Children benefit from reduced rates, making it affordable to insure the whole family. One policy, one purchase, and everyone is covered
Heading to the slopes, diving into the deep, or trekking through the mountains? Standard travel insurance typically excludes high-risk activities, but we can add adventure sports cover to your policy. This includes skiing and snowboarding, scuba diving, jet skiing, water sports, trekking, safari, and much more. Tell us what you have planned and we will make sure your policy covers it.
Travel insurance can be arranged quickly and easily. Get a quote, choose your plan, and receive your policy documents instantly. No paperwork, no waiting.
Travel insurance can protect you against a wide range of risks while you are away:
Our Schengen-compliant policies meet all of these requirements. We provide you with the documentation and policy certificate you need to submit with your visa application.
Coverage extends across the entire Schengen area and in many cases the wider European Union, so you are protected no matter which countries you visit during your trip.
Here is a quick overview to help you choose:
| Single Trip | Annual Multi-Trip | Schengen Visa | Senior | |
|---|---|---|---|---|
| Best for | One-off holidays or business trips | Frequent travellers taking multiple trips a year | Anyone applying for a Schengen visa to visit Europe | Travellers aged 65 and above, up to 80 years old |
| Duration | Covers one trip for the dates selected | All trips within the policy year (per-trip duration limits apply) | Duration of your Schengen stay | Single trip or annual options available |
| Medical cover | Comprehensive emergency medical and dental | Comprehensive emergency medical and dental | Minimum €30,000 as required by Schengen embassies | Comprehensive emergency medical tailored for older travellers |
| Family rates | Reduced rates for children | Reduced rates for children | Reduced rates for children | Pricing based on age band |
| Key extras | Trip cancellation, baggage, personal accident, liability | Convenience of one policy for the year, often better value for frequent travellers | Embassy-compliant documentation provided with your policy | Tailored assistance for older travellers |
Not sure which plan suits your trip? Our team can help you compare options and find the best cover for your destination, budget, and travel style.
We work with multiple insurers to find you the right cover at the right price. Whether you need a basic plan or comprehensive protection, we help you compare your options.
We know exactly what the European embassies require. Our team ensures your policy meets all Schengen visa requirements and provides you with the correct documentation for your application.
We arrange family plans with reduced rates for children, and we can help find cover for senior travellers who are often turned away by other providers.
If something goes wrong while you are away, our team is here to help. We assist with the claims process and liaise with the insurer on your behalf to get things resolved.
Our advice and support come at no additional cost to you. You get expert guidance for the same price as buying direct.
Let us know where you are going, your travel dates, how many people need cover, and any specific requirements such as Schengen compliance or senior cover.
Our team compares plans across our panel of insurers and presents you with the best options for your trip and budget.
We explain the differences, answer your questions, and help you pick the plan that fits. Family? Schengen? Annual? We make it simple.
Your policy is issued and you receive all the documentation you need, including embassy-compliant certificates for Schengen visas. If anything happens while you are away, we are just a call away.
Travel insurance is not legally required for all destinations, but it is strongly recommended. Medical treatment abroad can be extremely expensive, and unexpected events like trip cancellations, lost luggage, or flight delays can be costly. For Schengen visa applications, travel insurance is mandatory.
Schengen travel insurance is a policy that meets the specific requirements set by European embassies for visa applicants. It must provide a minimum of €30,000 in emergency medical cover, be valid across all Schengen member states, and cover the entire duration of your stay including repatriation. If you are a UAE resident applying for a Schengen visa, this insurance is mandatory and must be submitted as part of your application.
The Schengen area currently includes 29 European countries, including France, Germany, Italy, Spain, the Netherlands, Austria, Switzerland, Greece, Portugal, and the Nordic countries among others. Many policies also extend coverage to the wider European Union, so you are protected even if you travel beyond the Schengen zone during your trip.
UAE citizens do not need a Schengen visa for stays of up to 90 days within a 180-day period. However, travel insurance is still highly recommended to protect against medical emergencies, trip disruptions, and other unexpected events while travelling in Europe.
Yes. We work with insurers who offer cover for senior travellers up to 80 years old. Finding travel insurance for older travellers can be difficult, but our team has access to specialist products with comprehensive medical cover tailored for seniors. Let us know the ages and any relevant medical history and we will find the best options available.
Yes. Family plans cover parents and children travelling together under one policy. Children benefit from reduced rates, making it affordable to insure the whole family with one purchase.
An annual multi-trip policy covers all your trips within a 12-month period under one policy. There is usually a maximum duration per trip (for example, 45 or 90 days), but you can take as many trips as you like during the year. It is often more convenient and better value for frequent travellers than buying a separate policy for each trip.
Many standard policies exclude high-risk activities such as skiing, scuba diving, trekking, and water sports. However, we can arrange adventure sports cover as an optional extension to your policy. This can include winter sports such as skiing and snowboarding, water sports such as scuba diving and jet skiing, trekking, safari, and a wide range of other activities. Let us know what you are planning and we will make sure you are covered.
Contact the insurer’s 24/7 emergency assistance line as soon as possible, particularly for medical emergencies. Keep all receipts, police reports (in the case of theft), and documentation. When you return, contact us and we will help you through the claims process.
Yes, most plans include trip cancellation cover. This can reimburse you for prepaid, non-refundable travel costs if you need to cancel your trip for a covered reason, such as illness, injury, or a family emergency. The specific covered reasons and limits vary by policy, so it is important to check the terms.
Most travel insurance policies need to be purchased before your trip begins. Some insurers may offer limited options for purchasing cover after departure, but the coverage will typically be reduced. We always recommend arranging your insurance before you travel.
Visa refusal is generally not a covered reason for cancellation under travel insurance policies. If your visa application is refused, you would not typically be able to claim back the cost of the insurance policy. We recommend waiting until your visa is approved before purchasing a non-refundable annual or Schengen plan, or purchasing a short-term plan that allows cancellation within the cooling-off period.
From a weekend getaway to a round-the-world adventure, Pioneer Insurance Brokers helps you find the right travel insurance for your trip, your family, and your budget.
