Executive includes the highest medical cover limits, trip cancellation protection (if your trip is cancelled for a covered reason), higher baggage loss limits, and the option to add terrorism extension for travel to high-risk destinations. Holiday offers solid medical and baggage cover without trip cancellation. Schengen is focused specifically on meeting EU visa requirements with the minimum mandated EUR 30,000 medical cover and repatriation. All plans include 24/7 International SOS assistance and cover single trips or annual multi-trip (62 days max per trip, 180 days total).
 

COVID-19 medical treatment may be available as a paid add-on to your travel policy. This is not included as standard. Contact Liva’s travel team at 800 772 or email infodxb.ae@livainsurance.com to confirm current COVID-19 coverage options and the additional premium for your specific trip. Standard travel insurance exclusions for pre-existing conditions may also apply — disclose any relevant medical history when purchasing.

Contact the travel claims team at +971 4 302 9835 or +971 4 302 9903, or email travelclaims.ae@livainsurance.com. Download the travel claim form from livainsurance.ae/how-to-claim and submit it with supporting documents (medical receipts, police reports for theft, airline confirmation for baggage delays). For medical emergencies while travelling, call International SOS 24/7: +971 4 601 8777 (general) or regional numbers provided with your policy.

Yes. Liva offers annual multi-trip policies so you are covered for all international trips within a 12-month period, without needing to purchase a separate policy each time. This is available across all three tiers (Executive, Holiday, Schengen). Each single trip within an annual policy is covered for a maximum of 62 days, with a total maximum of 180 days in any single policy period. Annual plans are cost-effective for frequent travellers.

Yes. The Schengen plan is specifically designed to meet the minimum insurance requirements for Schengen visa applications: at least EUR 30,000 medical cover, repatriation coverage, and emergency hospitalization. The policy certificate is accepted by Schengen embassies in the UAE. You can purchase the Schengen plan online at livainsurance.ae and receive your policy document instantly for your visa application.