ADNIC
ADNIC is an Abu Dhabi insurer set up in 1972 and listed on the Abu Dhabi Securities Exchange. It sells MussaferPlus travel insurance to UAE residents in four plans: Individual, Family, Schengen, and Hajj and Umrah. Its largest shareholder is Mamoura Diversified Global Holding, which is owned by Mubadala.
Out of 5 from 2,358 Google reviews across 13 offices
An average is not a sign of trust. Read recent reviews yourself before you decide.
What customers sayWhat customers say about ADNIC
ADNIC averages 3.5 out of 5 across 2,358 Google reviews of its UAE offices, read 5 Nov 2026. Those reviews cover everything it sells, not only travel insurance.
Read the Google reviews for each office
ADNIC travel insurance
ADNIC sells MussaferPlus to UAE residents in four plans: Individual, Family, Schengen, and Hajj and Umrah for trips to Saudi Arabia. Its flyer prices trips from 5 days up to two-year policies, with a limit of 62 or 92 days per stay on the longer ones.
| Plan | Type | What it is |
|---|---|---|
| MussaferPlus Individual | Individual, worldwide or worldwide excluding the USA and Canada | Medical expenses up to USD 1,100,000, trip cancellation up to USD 5,000, checked-in baggage loss up to USD 5,000 and personal liability up to USD 1,000,000. USD 30 excess on medical claims.4 |
| MussaferPlus Family | Family, worldwide excluding the USA and Canada | You, your spouse and any number of children under 16 on one premium. Adults must be 60 or under. Medical expenses up to USD 70,000, baggage loss up to USD 2,000 and personal liability up to USD 1,000,000. No trip cancellation in the flyer table.4 |
| MussaferPlus Schengen | Schengen visa | Schengen states only. Medical expenses up to USD 60,000 with a USD 100 excess, and repatriation up to USD 50,000. The flyer table shows no cancellation, delay or baggage cover.4 |
| MussaferPlus Hajj & Umrah | Hajj and Umrah | Saudi Arabia only. Medical expenses up to USD 20,000 with a USD 50 excess, repatriation up to USD 45,000, baggage loss up to USD 750 and personal accident USD 20,000.4 |
| Cover | With this insurer | Details |
|---|---|---|
| Emergency medical expenses | Included | USD 1,100,000 on Individual, USD 70,000 on Family, USD 60,000 on Schengen and USD 20,000 on Hajj and Umrah. Excess is USD 30 on Individual and Family, USD 100 on Schengen and USD 50 on Hajj and Umrah.4 |
| Medical evacuation and repatriation | Included | Transport to a properly equipped medical facility up to USD 50,000, or USD 15,000 on Hajj and Umrah. Repatriation to your country of residence at actual cost on Individual, up to USD 60,000 on Family, USD 50,000 on Schengen and USD 45,000 on Hajj and Umrah.4 |
| Trip cancellation | Depends on plan | Up to USD 5,000 on Individual. The flyer table shows it on no other plan.4 |
| Delayed departure | Depends on plan | Up to USD 500 on Individual and Family.4 |
| Missed departure | Depends on plan | Up to USD 1,000 on Individual only.4 |
| Baggage | Depends on plan | Loss of checked-in baggage on a flight up to USD 5,000 on Individual, USD 2,000 on Family and USD 750 on Hajj and Umrah. Delayed baggage up to USD 250 on Individual.4 |
| Personal liability | Depends on plan | Up to USD 1,000,000 on Individual and Family.4 |
| COVID-19 | Depends on plan | Emergency medical treatment and hospital stays for COVID-19 are limited to EUR 30,000 or USD 35,000 on all four plans. Not paid if you travel to a country or region the local authority has said is not recommended for travel.4 |
More cover details (9)
| Cover | With this insurer | Details |
|---|---|---|
| Where you are covered | Depends on plan | Individual: worldwide, or worldwide excluding the USA and Canada. Family: worldwide excluding the USA and Canada. Schengen: the Schengen states. Hajj and Umrah: Saudi Arabia.4 |
| Age limits | Depends on plan | ADNIC's travel page and FAQs give a minimum age of 30 days and a maximum of 80 years.3 |
| Age limits in the 2021 flyer | Depends on plan | The flyer says UAE residents aged 0 to 80 can buy MussaferPlus, which differs from the 30-day minimum on the travel page. The maximum age on the Family plan is 60.4 |
| Personal accident | Depends on plan | USD 27,500 on Individual and Family, USD 20,000 on Hajj and Umrah.4 |
| Hazardous sports | Optional extra | A winter and summer hazardous sports extension is sold for an extra premium. With it, Individual adds sea and mountain rescue up to USD 20,000.4 |
| Terrorism | Optional extra | An extension up to USD 100,000 on Individual, for an extra premium. Without it, terrorism is excluded.4 |
| Emergency dental treatment | Depends on plan | USD 1,100 on Individual, Family and Schengen.4 |
| Loss of passport | Depends on plan | Up to USD 500 on Individual and USD 350 on Family.4 |
| Group trips | Optional extra | Special rates for more than 15 people travelling on the same trip and date.4 |
Published prices
- ADNIC's 2021 MussaferPlus flyer, still linked from its travel page on 12 November 2026, lists premiums per member in AED. For 6 to 7 days: AED 56.99 for Individual excluding the USA and Canada, AED 88.72 for Individual worldwide, AED 107.54 for Family, AED 44.06 for Schengen and AED 31.73 for Hajj and Umrah.4
- The same flyer lists AED 44.06 for Schengen and AED 18.80 for Hajj and Umrah for trips of up to 5 days.4
- For one year with up to 62 days per stay, the flyer lists AED 631.66 for Individual excluding the USA and Canada, AED 1,054.74 for Individual worldwide, AED 675.74 for Family and AED 429.54 for Schengen.4
Check before you buy
- All pre-existing, congenital and chronic medical conditions are excluded. Heart and circulation conditions are also excluded if you had advice or treatment for high blood pressure in the 2 years before the trip.4
- Pregnancy and childbirth, and any complication of them, are excluded.4
- War is excluded, and terrorism is excluded unless you buy the extension. ADNIC's travel page calls war and terrorism standard exclusions.4
- Motor racing, diving with breathing apparatus, horse riding, climbing, boxing, martial arts, parachuting and other sports known to be dangerous are excluded, as are hazardous winter and summer sports such as skiing. The flyer sells a winter and summer hazardous sports extension for an extra premium.4
- Permanent residents and students living outside their country of residence are excluded.4
Policy documents
- MussaferPlus flyer with table of benefits and premiumsBrochure, 2021
- ADNIC Travel Insurance LeafletLeaflet, 2020
- MussaferPlus Individual travel insurance proposal formProposal form, 2023
How to claim with ADNIC
- Claims phone+971 2 408 0100
- Claims emaillifeclaims@adnic.ae
- Claim onlineOpen claim page
Steps
- In a medical or travel emergency abroad, call the assistance company named on your policy schedule or certificate. ADNIC's travel pages do not give its number.5
- Report the claim to ADNIC by phone on +971 2 408 0100, by fax on +971 2 408 0643, by email to lifeclaims@adnic.ae, or on the online travel claims portal.5
- Send the documents for your type of claim. ADNIC records the details, assesses the claim and emails you the next steps. It may inspect a loss in person.5
- Use the claim reference number ADNIC sends by SMS to track the claim.5
Documents to have ready
- Your policy number5
- Flight or baggage claims: the flight details, the estimated value of lost items and any compensation the airline paid5
- Lost travel documents: what was lost and when, the authority you reported it to and the cost of replacing them5
- Accident or medical claims: what happened and when, the police report and station name after an accident, and the doctor and hospital name for an illness5
- Original invoices for the expenses you claim26
- ADNIC sends an SMS with your claim reference number within a couple of days of opening the claim.5
- ADNIC says it registers a complaint within 1 working day and gives an outcome within 5 working days.19
Not happy with a claim? Complain to ADNIC at contactcenter@adnic.ae first. How to complain about an insurer.
About ADNIC
- Legal name
- Abu Dhabi National Insurance Company
- Founded
- 19728
- Type
- Conventional insurer. It writes insurance and reinsurance of all classes.10
- Owner
- A listed company. Mamoura Diversified Global Holding PJSC holds 24.77%, Khalaf Bin Ahmed Al-Otaibah 10.11% and S B R Investment LLC 7.37%. The rest, 57.75%, is held by others. Mamoura is wholly owned by Mubadala. ADNIC's 2025 accounts say the Government of Abu Dhabi holds 24% through Mamoura.1
- Listed on
- Abu Dhabi Securities Exchange (ADX), ticker ADNIC21
- Headquarters
- ADNIC Building, Khalifa Street, Abu Dhabi10
- UAE branches
- The contact page lists 13 offices: 8 in Abu Dhabi, 3 in Al Ain, 1 in Dubai, 1 in Sharjah.7
- Also sells
- Car, Health, Home, Personal accident, Personal watercraft, Business insurance23
- Central Bank
- Listed in the Central Bank of the UAE register, September 2026, number 12
Financial strength
Profit after tax for H1 2026 was AED 201 million, down from AED 235.3 million, and the group cited provisions for geopolitical risks, flood claims and investment volatility. The surplus over its solvency capital requirement was AED 825.7 million at 31 March 2026, down from AED 1,818.3 million at 31 December 2025. Gross premiums for 2025 are AED 8.5 billion in the directors' report and AED 8,619 million in the March 2026 investor presentation.
Awards
Recent news
- AM Best keeps ADNIC at A (Excellent)
AM Best affirmed the rating with a stable outlook and assessed the balance sheet as very strong.12
- ADNIC reports lower first-half profit
Profit after tax was AED 201 million for the six months to 30 June 2026, against AED 235.3 million a year earlier, on gross premiums of AED 6,135.4 million.15
- ADNIC names an acting chief executive
Jugal Madaan became Acting CEO after Charalampos Mylonas resigned on 4 June 2026.14
- S&P keeps ADNIC at 'A' and flags car parts costs
S&P affirmed the rating with a stable outlook and said a longer closure of the Strait of Hormuz could raise spare car part costs and affect the motor line.13
- ADNIC opens a branch in India
ADNIC's branch in GIFT City, Gujarat, became fully operational on 1 April 2026.9
Contact ADNIC
- Phone024080100
- Toll free8008040
- WhatsApp+97124080900
- Emailinfo@adnic.ae
- Complaints emailcontactcenter@adnic.ae
- ComplaintsOpen complaints page
- HoursMonday to Thursday 8am to 5pm, Friday 8am to 12pm
- Head officeKhalifa Bin Zayed The First St, Abu Dhabi. P.O. Box 839.
Branches (13)
| Branch | Address | Phone |
|---|---|---|
| ADNIC Head Office | Khalifa Bin Zayed The First St, Abu Dhabi | 024080100 |
| Mussafah Branch | Musafah Industrial, M4, Near Mar Thoma Church, Abu Dhabi | 024080696 |
| Abu Dhabi Branch | Abu Dhabi Traffic Police Vehicle Test Section | 024080578 |
| Mahawi Office | Abu Dhabi Traffic Police Department, Vehicle Inspection Centre, Abu Dhabi - Al Ain Highway | 026585158 |
| Samha Traffic Branch | Samha ADNOC Station | 025620162 |
| Al Shamkha Branch | ADNOC Service Station | 024080576 |
| Ruwais Branch | Ruwais City, Al Dhannah Mall, K05 Kiosk, Ground Floor | 028772123 |
| Al Bahia Branch | Deerfields Townsquare Shopping Center, KG23 Kiosk, Garden Level | 024080950 |
| Al Ain Branch 1 | Khalaf Bin Ahmad Al Otaibah Building | 037641834 |
| Al Ain Branch 2 | Al Ain Traffic Police Department, Zakher | 037828666 |
| Al Ain Mizyad Branch | Abu Dhabi Traffic Police Dept.. ADNIC's contact page prints this 02 number. Its Google Maps listing shows 03 782 4250. | 027824250 |
| Dubai Branch | Dubai Supreme Court Complex, Umm Hurair 2. The contact page gives this number. The motor page gives 04 515 4851. | 045154850 |
| Sharjah Branch | Al Hosn Tower, Showroom No.2, Building 617/A, Al Ittihad Street | 065683743 |
Common questions
What travel insurance does ADNIC sell?
MussaferPlus, in four plans: Individual, Family for you, your spouse and children under 16, Schengen, and Hajj and Umrah for trips to Saudi Arabia.3
Is ADNIC travel insurance accepted for a Schengen visa?
ADNIC says MussaferPlus Schengen gives the cover required for a Schengen visa. Its flyer lists medical expenses up to USD 60,000 on that plan, with a USD 100 excess.4
How much is ADNIC travel insurance?
ADNIC's 2021 flyer, still linked from its travel page, lists AED 44.06 per member for a Schengen trip of up to 5 days and AED 56.99 for Individual cover excluding the USA and Canada for 6 to 7 days.4
What is the ADNIC travel claim number?
Call +971 2 408 0100 or email lifeclaims@adnic.ae, or claim on the online portal. In an emergency abroad, call the assistance company named on your policy schedule or certificate.5
What are the age limits for ADNIC travel insurance?
ADNIC's travel page gives a minimum age of 30 days and a maximum of 80 years. Its 2021 flyer gives 0 to 80 years, and 60 at most on the Family plan.3
Does ADNIC travel insurance cover terrorism?
Not as standard. Terrorism is excluded unless you buy the terrorism extension, which the flyer lists up to USD 100,000 on Individual. War is excluded.4
Who owns ADNIC?
ADNIC is listed on the Abu Dhabi Securities Exchange. Its largest shareholder is Mamoura Diversified Global Holding with 24.77%, and Mamoura is wholly owned by Mubadala.1
How do I complain about ADNIC?
Use the complaint form on its website, call 800 8040 or email contactcenter@adnic.ae. ADNIC says it gives an outcome within 5 working days, and you can then go to Sanadak.19
Sources
32
1ADNIC, Investor Relations. Last checked 5 Nov 2026. Source document: Investor Relations
2Central Bank of the UAE, CB Register September of 2026. Last checked 4 Nov 2026. Source document: CB Register September of 2026
3ADNIC, Travel Insurance. Last checked 12 Nov 2026. Source document: Travel Insurance
4ADNIC, Mussafer Travel Insurance Flyer, PDF created 1 September 2021. Last checked 12 Nov 2026. Source document: Mussafer Travel Insurance Flyer
5ADNIC, Travel Claims. Last checked 12 Nov 2026. Source document: Travel Claims
6ADNIC, Motor Insurance. Last checked 5 Nov 2026. Source document: Motor Insurance
7ADNIC, Contact Us. Last checked 5 Nov 2026. Source document: Contact Us
8ADNIC, About us. Last checked 5 Nov 2026. Source document: About us
9ADNIC, Consolidated financial statements, 30 June 2026. Last checked 5 Nov 2026. Source document: Consolidated financial statements, 30 June 2026
10ADNIC, Consolidated financial statements, FY 2025. Last checked 5 Nov 2026. Source document: Consolidated financial statements, FY 2025
11ADNIC, Investor presentation, March 2026. Last checked 5 Nov 2026. Source document: Investor presentation, March 2026
12AM Best via Business Wire on Yahoo Finance, AM Best Affirms Credit Ratings of Abu Dhabi National Insurance Company P.J.S.C.. Last checked 5 Nov 2026. Source document: AM Best Affirms Credit Ratings of Abu Dhabi National Insurance Company P.J.S.C.
13S&P Global Ratings, Abu Dhabi National Insurance Co. 'A' Ratings Affirmed; Outlook Stable. Last checked 5 Nov 2026. Source document: Abu Dhabi National Insurance Co. 'A' Ratings Affirmed; Outlook Stable
14ADNIC, ADNIC announces appointing new Acting Chief Executive Officer. Last checked 5 Nov 2026. Source document: ADNIC announces appointing new Acting Chief Executive Officer
15Zawya, ADNIC reports resilient H1 2026 performance with net profit before tax of AED 225.1mln. Last checked 5 Nov 2026. Source document: ADNIC reports resilient H1 2026 performance with net profit before tax of AED 225.1mln
16ADNIC, ADNIC shareholders approve cash dividends of 47% at the Annual General Meeting. Last checked 5 Nov 2026. Source document: ADNIC shareholders approve cash dividends of 47% at the Annual General Meeting
17ADNIC, Global Recognition. Last checked 5 Nov 2026. Source document: Global Recognition
18ADNIC, A new achievement for Abu Dhabi National Insurance Company. Last checked 5 Nov 2026. Source document: A new achievement for Abu Dhabi National Insurance Company
19ADNIC, Complaints Handling Guide and Policy. Last checked 5 Nov 2026. Source document: Complaints Handling Guide and Policy
20ADNIC, Register a complaint. Last checked 5 Nov 2026. Source document: Register a complaint
21Abu Dhabi Securities Exchange, ADNIC company profile. Last checked 5 Nov 2026. Source document: ADNIC company profile
22Mubadala, Investors overview. Last checked 5 Nov 2026. Source document: Investors overview
23ADNIC, Personal insurance products. Last checked 5 Nov 2026. Source document: Personal insurance products
24Trustpilot, Adnic reviews. Last checked 5 Nov 2026. Source document: Adnic reviews
25ADNIC, ADNIC Travel Insurance Leaflet, URL timestamp 23 July 2020. Last checked 12 Nov 2026. Source document: ADNIC Travel Insurance Leaflet
26ADNIC, Insurance FAQs, travel. Last checked 12 Nov 2026. Source document: Insurance FAQs, travel
27ADNIC, Mussafer Plus Individual Travel Insurance Proposal Form, URL timestamp June 2023. Last checked 12 Nov 2026. Source document: Mussafer Plus Individual Travel Insurance Proposal Form
28ADNIC, Forms. Last checked 12 Nov 2026. Source document: Forms
29ADNIC, Mobile App web app. Last checked 12 Nov 2026. Source document: Mobile App web app
30Apple App Store, ADNIC app listing. Last checked 12 Nov 2026. Source document: ADNIC app listing
31ADNIC, MussaferPlus online. Last checked 12 Nov 2026. Source document: MussaferPlus online
32ADNIC, Assist America. Last checked 12 Nov 2026. Source document: Assist America
- Owner
- Travelinsurance.ae research team
- Last review
- Next review due
- 11 May 2027
- Status
- Published