Watania Takaful’s Travel Takaful (Islamic Insurance) provides Shari’ah-compliant Takaful (Islamic Insurance) coverage for medical treatment abroad, trip cancellations, lost or delayed luggage, and travel-related emergencies. With 24/7 support and transparent claims handling, our plans allow individuals, families, and business travelers to enjoy their journeys with confidence.
Watania Takaful ensures that you can travel with peace of mind while receiving reliable, comprehensive coverage whenever needed.
Need help choosing the best option? Contact our team today for expert guidance.
Anyone who is a UAE national or has a UAE residence visa is eligible to apply for outbound cover., subject to certain age limits including 70 for single-trip cover and 65 for multi-trip cover.
Covid-19 cover is available up to the age of 75. Inbound cover is available up to the age of 80.
Policies cover you anywhere in the world outside the UAE.
Travel Program 1 covers:
- Medical expenses up to USD 500,000
- Personal accident up to USD 50,000
- Trip cancellation of up to USD 5,000
certificates for visitors to the UAE include emergency medical expenses up to AED 150,000. Some takaful certificates are available to anyone who is already in the country and some include Covid-19 cover.
certificates for pilgrims include emergency medical expenses up to USD 20,000 and medical evacuation expenses up to USD 15,000, as well as accident, death and permanent total disablement cover up to USD 20,000. Different levels of cover are available over varying periods of time.
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For outbound cover, winter sport and water sport extensions are available for an extra contribution (premium).
The following are among exclusions that apply:
- Claims arising from relevant facts that you knew about before you travelled and that should be declared, unless we agreed to it in writing.
- War, invasion, act of foreign enemy, hostilities, civil war, civil commotion, rebellion, revolution, insurrection, terrorism.
Watania Takaful is one of the UAE’s leading companies and is regulated by the Central Bank. It is one of the largest Takaful (Islamic insurance) company in the country and one of the top 10 largest among all insurers.
Watania Takaful comprises Watania Takaful General PJSC and Watania Takaful Family PJSC, which are wholly owned subsidiaries of Watania International Holding PJSC (WIH). WIH is listed on Dubai Financial Market.
We offer a wide range of cover for individual and business clients including SMEs.
Individual cover:
Business cover:
We are dedicated to serving you better and settling claims faster. And we have the resources to achieve this following a company merger that made us one of the country’s leading Takaful companies in 2022.
- Customer service is our number one priority
- Outstanding record in settling claims
- A UAE leader in insurance tech and innovation
- Deep roots in national insurance industry
- Created by 2022 merger of two Takaful powerhouses
- National reach
- Broader product range
As a Takaful company we operate in accordance with the teachings of Islamic Shari’ah. Our business is conducted with oversight by our Internal Shari’ah Supervision Committee comprising leading Islamic scholars.
Our core values include empathy, integrity, responsiveness and simplicity.
We are a long-established UAE Takaful provider (Islamic Insurance provider). Our roots go back to the founding of Dar Al Takaful in Dubai in 2008 and National Takaful Company (Watania) in 2011 in Abu Dhabi.
Dar Al Takaful acquired Noor Takaful in 2020 and then merged with National Takaful Company (Watania) in 2022 to form Watania International Holding (WIH), which owns Watania Takaful.
Our Takaful certificates are very varied to suit your needs. We can cover you almost anywhere in the world when you travel from the UAE, with different benefit levels. We can also cover you if you are visiting UAE from elsewhere. We also provide Hajj and Umrah policies.
Coverage includes a range of costs and losses associated with unexpected events while traveling. It can include medical emergencies, trip cancellations, lost luggage, flight delays and other unforeseen circumstances.
Anyone who is a UAE national or has a UAE residence visa is eligible to apply for an outbound policy to cover them outside the country. Anyone can apply for an inbound policy to cover them while they are in the UAE.
Yes, our Takaful certificates have varying contributions if you will visit the USA and Canada, or the Schengen area in the EU.
Yes, in some cases, as detailed in the Takaful certificate. Older travelers pay more in some cases. The length and location of the trip and pre-existing medical conditions can also affect the contributions paid.
No, though you should accurately declare medical conditions as requested otherwise your policy may be invalidated.
Usually, it is best to buy travel Takaful certificate as soon as you book your trip. This ensures you are covered for events between booking and the start of your trip.
Our Takaful Certificates covering travel outside the UAE should be bought before your trip begins. However, we do offer some cover inside the UAE for visitors who are already in the country.
Yes in some circumstances.
In general, it is not mandatory but may be required by certain countries as a condition of entry. Some tour operators and cruise lines also require travelers to have insurance.
Travel insurance excess, also known as a deductible, is the amount you must pay out-of-pocket before the remaining costs of a claim can be covered. The excess amount is specified in your Takaful certificates and can vary depending on the type of claim and coverage selected.
Contact local emergency services at once. Then contact us on 800 – WATANIA (9282642)
for advice on obtaining medical care and arranging payment. Keep records of all medical expenses and communications for your claim.
Our claim handlers will review your claim at regular intervals and contact you when necessary.
Your claim will be allocated to one of our claims handling teams.
No, settlement by cash or cheque is not available.
We settle claims as quickly as possible.
Our claims process is streamlined and simple. To submit a claim, you need to provide the required information by:
- Filling in our online Claim Form
- Contacting our Call Centre on 800 – WATANIA(9282642)
- Emailing info@watania.ae
- Or you can submit a claim in person at any of our offices
- Submit your claim online through our Claims Portal