Up to what age will a UAE travel policy cover you?

How old can you be to buy UAE travel insurance?

Between 65 and 85, depending on the insurer. Four policies stop at 69 or 70, Liva stops at 65 and Daman goes to 85.

Sources for Table 1

Orient,¹ GIG Gulf,² AIG,³ Liva,⁴ Salama,⁵ Daman,⁶ Mastercard,⁷ Allianz Partners.⁸

Eligibility turns on UAE residence and buying the policy before the trip.⁸ Its product page shows a price for an adult aged 18 to 65, which is a price example and not an eligibility rule.⁹ Sukoon’s product page gives 6 months to 70 for its Travel Easy plan.¹⁰

When is your age checked?

It depends on the policy. Orient checks your age on the date the policy was issued for a single trip, and on the start date for annual multi-trip cover.¹ GIG Gulf keeps an annual policyholder who turns 71 during the year insured until expiry or cancellation.² AIG lists reaching the maximum age among the events that end cover.³

The Mastercard card benefit applies to cardholders aged 18 to 69, and the test it ties to buying the trip is card status. The terms do not say whether a cardholder who turns 70 during a trip keeps the benefit.⁷ Liva’s booklet does not say what happens to a person who passes its limit mid-trip.⁴

If you will pass the limit during an annual policy, ask your insurer whether cover runs to the end of the year.

Which policies are unclear on their own age limit?

Salama, AIG and Daman.

• Salama’s benefits notes say the insured person should be 65 or below, with 66 to 69 subject to approval and an additional premium. Its definition says 3 months to 80 years, and persons aged 81 or more are not eligible unless a plan includes them.⁵
• AIG’s wording says 3 months to 69 years, with an optional extension to 74 under the Silver Plan.³ Its product page FAQ says 3 months to 74 years and 364 days.¹¹
• Daman defines the insured person as aged between 30 days and 85 years, and separately makes persons aged 85 and above ineligible unless a specific plan applies.⁶ Both clauses use 85, so whether age 85 itself is covered is unclear.

If you are near either figure, ask the insurer which one applies to you before you buy. At AIG, ask what the Silver Plan extension involves.

From what age can your children be covered?

From birth at Orient, 30 days at Daman and 3 months at Salama, AIG and GIG Gulf. The Mastercard card covers children above 6 months.¹⁶⁵³²⁷ GIG Gulf’s age clause lists children below 16 “at 50% of the insured person”.² Liva insures children under 18 only when they travel with an adult.⁴

More on travelling with children is in the family travel guide.

Does your age reduce any benefits?

Yes, at Liva and Orient, without ending cover. Liva halves its Accidental Death and Permanent Total Disability benefits for an insured person under 16 or over 65.⁴ Orient pays no permanent physical disability benefit to a person aged 18 or under, or 65 or over, at the time of the accident.¹ Liva’s winter sports extension is available only from age 10 to 65.⁴

Can your family use your Mastercard cover?

Yes, within age limits. The Mastercard World card terms apply 18 to 69 to spouses as well as cardholders. Children qualify under 18, or under 23 if they are full-time students. A cardholder’s parents must be under 80 and visiting the cardholder in the country of residence or card issue.⁷

The small print

• The policies. The insurer wordings are Salama’s Travel Booklet, GIG Gulf’s Travel Smart terms, AIG’s Travel Guard UAE wording, Liva’s travel booklet, Allianz Partners’ Global Individual wording, Orient’s Easy Journey Outbound wording and Daman’s Alami Comprehensive Travel wording, with the Mastercard World cards MENA terms hosted by HSBC UAE. Each was checked on 4 November 2026. Your own schedule and certificate decide what applies to you.
• Other insurers. The Central Bank’s register for September 2026 lists 54 insurance companies.¹² If your insurer is not named here, ask it for its age limits.
• Salama’s clauses. The 65 limit sits in the Product Benefits and Limitations notes. The 3 months to 80 range sits in the definition of Insured Person and the list of persons not eligible.⁵
• Daman’s clauses. The 30 days to 85 range is in the definition of Insured Person. The rule on 85 and above is in clause 5, Not Eligible Insured Person.⁶