Liva Insurance
Liva Insurance sells travel, car, home and health insurance in the UAE, where it was called RSA Middle East until 2023. Its travel plans are Executive, Holiday and Schengen. It is a Bahrain company fully owned by Liva Group SAOG of Oman, which is listed on the Muscat Stock Exchange.
Out of 5 from 1,824 Google reviews across 3 offices
An average is not a sign of trust. Read recent reviews yourself before you decide.
What customers sayWhat customers say about Liva Insurance
Liva Insurance averages 3.1 out of 5 across 1,824 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
Liva Insurance travel insurance
Liva sells three travel plans to UAE residents: Executive, Holiday and Schengen. Each is sold as a single trip of up to 180 days or as an annual policy with up to 62 days per trip. Winter sports, golf, cruise and terrorism cover can be added to Executive and Holiday.
| Plan | Type | What it is |
|---|---|---|
| Executive Travel | Single trip or annual multi-trip | Emergency medical, evacuation and repatriation up to USD 1,000,000, cancellation up to USD 5,000, baggage up to USD 6,000 and personal liability up to USD 1,000,000. Worldwide excluding the USA and Canada, or including them.4 |
| Holiday Travel | Single trip or annual multi-trip | Emergency medical, evacuation and repatriation up to USD 1,000,000, cancellation up to USD 5,000, baggage up to USD 5,000 and personal liability up to USD 1,000,000. Worldwide excluding the USA and Canada, or including them.4 |
| Schengen Travel | Schengen visa | Emergency medical, evacuation and repatriation up to EUR 30,000. No cancellation, delay, baggage or liability cover. Restricted to worldwide excluding the USA and Canada.4 |
| Cover | With this insurer | Details |
|---|---|---|
| Emergency medical expenses | Included | EUR 30,000 on Schengen and USD 1,000,000 on Holiday and Executive, with a USD 50 excess. A hospital stay of more than 24 hours must be reported as soon as reasonably possible. Medical costs in the UAE or your country of residence are excluded.4 |
| Medical evacuation and repatriation | Included | Within the same limits as medical expenses. Liva decides the transport and destination on medical need. Services Liva has not approved and arranged are excluded, unless you could not tell it for reasons beyond your control.4 |
| Trip cancellation and cutting a trip short | Depends on plan | USD 5,000 on Holiday and Executive in the booklet table, USD 50 excess, none on Schengen. Covered reasons include injury, serious illness or death of you, a travel companion, a close relative or your host.4 |
| Trip cancellation on Holiday, travel page | Depends on plan | Liva's travel page says Holiday comes without trip cancellation cover, which differs from the USD 5,000 in the booklet table. Check your policy schedule.22 |
| Travel delay | Depends on plan | On Holiday and Executive: USD 100 for every 6 hours, up to USD 500, for a delay of more than 6 hours caused by strike, industrial action, bad weather or mechanical breakdown. Abandoning the trip after more than 24 hours pays up to USD 500, on departure from your country of residence only.4 |
| Missed departure and connections | Depends on plan | USD 500 on Holiday and USD 1,000 on Executive, USD 50 excess. None on Schengen.4 |
| Baggage | Depends on plan | USD 5,000 on Holiday and USD 6,000 on Executive, with valuables up to USD 1,500 and USD 750 for one item, pair or set. None on Schengen. Paid at market value less wear and depreciation. Report a loss to the police or carrier within 24 hours.4 |
| Personal liability | Depends on plan | USD 1,000,000 on Holiday and Executive. None on Schengen.4 |
More cover details (13)
| Cover | With this insurer | Details |
|---|---|---|
| COVID-19 | Depends on plan | The booklet's COVID-19 extension, for policies bought on or after 23 December 2021, pays emergency medical costs for COVID-19 up to the plan limit but not more than USD 250,000, and quarantine costs up to USD 100 a day for 14 days.4 |
| COVID-19, travel page | Optional extra | Liva's travel page says COVID-19 medical treatment is not included as standard and may be available as a paid add-on, which differs from the booklet extension. Ask Liva which applies to your policy.22 |
| Where you are covered | Depends on plan | Area 1 is worldwide excluding the USA and Canada, and Area 2 is worldwide including them. Schengen is limited to Area 1. Travel to a listed group of countries, including Afghanistan, Iran, Iraq, Russia, Syria and Yemen, and to areas a government has advised against, is excluded.4 |
| Trip length | Depends on plan | A single trip lasts up to 180 days. An annual policy covers up to 62 days per trip and 180 days in the policy year.4 |
| Age limits | Depends on plan | The booklet says people named on the schedule must be 18 to 65, and children under 18 are covered only when travelling with an adult.4 |
| Age limits, key facts document | Depends on plan | The key facts document says the insurance is for travellers up to age 75, which differs from the booklet's 18 to 65. Children under 18 are covered only when travelling with an adult.5 |
| Delayed baggage | Depends on plan | Actual costs after a 6-hour delay, USD 100 per hour, up to USD 500 on Holiday and USD 1,000 on Executive. None on Schengen.4 |
| Passport, travel documents, money and card fraud | Included | EUR 350 on Schengen, USD 500 on Holiday and USD 750 on Executive, USD 50 excess.4 |
| Hospital allowance | Depends on plan | USD 300 a day up to USD 1,500 on Holiday and Executive.4 |
| Sports | Depends on plan | The booklet lists covered sports, a second list covered only if professionally organised and supervised, and hazardous activities. Scuba diving is listed to 30 metres with a qualified diver or instructor.4 |
| Winter sports | Optional extra | Holiday and Executive only. Up to 21 days on annual cover and 15 days on a single trip, ages 10 to 65. Equipment and ski pack up to USD 500 each.4 |
| Cruise cover | Optional extra | Holiday and Executive only. Missed port departure and cruise interruption up to USD 1,000 each, and cabin confinement at USD 300 a day up to USD 1,000.4 |
| Terrorism | Optional extra | USD 100,000 on Holiday and Executive, if shown on your schedule.4 |
Check before you buy
- Pre-existing medical conditions are excluded: anything treated, investigated or advised on in the 12 months before the policy was issued, or before booking the trip on annual cover, any ongoing or recurring condition, or a place on a waiting list.4
- War, terrorism and similar perils are excluded. The war exclusion also covers losses in a specified area that includes Belarus, Russia and Ukraine.4
- Cancellation for pregnancy is excluded unless the expected birth is more than 10 weeks after your return, and the medical sections exclude pregnancy and childbirth costs.4
- Cancellation because you could not get a visa is excluded.4
- Claims notified more than 30 days after the event, or after the end of the trip for travel inconvenience claims, are rejected.4
Policy documents
- Liva Travel Insurance Policy WordingPolicy wording
- Liva Travel Insurance Policy Wording, ArabicPolicy wording
- KFD TravelKey facts, 2024
- Travel claim formClaim form, 2023
How to claim with Liva Insurance
- Claims phone, 24-hour emergencies abroad+971 4 601 8777
- Claims phone, travel claims+971 4 302 9835
- Claims phone, travel claims+971 4 302 9903
- Claims emailtravelclaims.ae@livainsurance.com
- Claim onlineOpen claim page
Steps
- In a medical emergency abroad, call the 24-hour emergency line on +971 4 601 8777. Liva's travel page says this line is International SOS.22
- The policy booklet names AMA Global Assistance instead, on +1 786 983 3296 from the USA, +44 1900 220693 from the UK and Europe and +91 124 468 8466 from South Asia. It says to call before any hospital admission where appropriate and to quote your policy number. Check which number your policy schedule gives.4
- For medical costs under AED 2,500 that did not need the emergency service, pay them yourself and contact the claims line within 14 days of getting back.4
- For cancellation, delay, baggage, money and personal accident claims, call the travel claims line on +971 4 302 9835 or +971 4 302 9903, or email travelclaims.ae@livainsurance.com.5
- Fill in the travel claim form and email it with your documents, upload it on the Liva website, or hand it in at a Liva branch.5
Documents to have ready
- Your policy number4
- Medical claims: all medical reports from the treating facility and receipts for costs the policy covers4
- Cancellation: a doctor's certificate, a death certificate where relevant, unused tickets and a cancellation certificate from the carrier or travel agent4
- Lost or damaged baggage: a Property Irregularity Report from the carrier, tickets and baggage tags, proof of purchase, and a police report for other losses4
- Delays: written confirmation from the carrier of the hours of delay, and receipts for essentials bought while your baggage was delayed4
- Lost passport or money: written confirmation from the police, and a consular letter with the dates of loss and replacement4
- Medical, accident, death, legal and liability claims must be notified within 30 days of the accident, illness or event. Later claims are rejected.4
- Travel inconvenience claims, such as cancellation, delay and baggage, must be notified within 30 days of the end of the trip.4
- Medical costs under AED 2,500 that you paid yourself: contact the claims line within 14 days of getting back.4
Not happy with a claim? Complain to Liva Insurance at complaints.ae@livainsurance.com first. How to complain about an insurer.
About Liva Insurance
- Legal name
- LIVA Insurance B.S.C. (c)
- Type
- Conventional insurer. The Central Bank register lists it as a foreign insurance company, not a takaful company.7
- Owner
- Fully owned by Liva Group SAOG of Oman. At 31 December 2025 the group's largest shareholders were OMINVEST with 48.86% and Riyad Bank with 14.35%.2
- Listed on
- The UAE company is not listed itself. Its parent, Liva Group SAOG, is listed on the Muscat Stock Exchange.2
- Headquarters
- Company registered in Bahrain. UAE head office at Burj Al Salam, Sheikh Zayed Road, Dubai.8
- UAE branches
- 3 offices: Dubai, Abu Dhabi and Sharjah8
- Also sells
- Car, Health, Home, Personal accident, Golf, Business9
- Previous name
- Royal & Sun Alliance Insurance (Middle East) Limited B.S.C. (c), known as RSA Middle East, until 202314
- Central Bank
- Listed in the Central Bank of the UAE register, September 2026, number 653
Financial strength
AM Best rates Liva A- but its outlook is negative, which it links to underwriting results below its expectations. The UAE business made a loss in 2024, a year of GCC floods, and a profit in 2025.
| Agency | Grade | Covers | Date |
|---|---|---|---|
| AM Best | A- (Excellent), Negative12 | UAE company | 12 Feb 2026 |
Recent news
- Liva Group nine-month profit falls
The group reported net income of OMR 8.79 million for the nine months to September 2026, against OMR 13.39 million a year earlier.17
- Liva names a new UAE chief executive
The group's first-half 2026 report lists Addal Sarwar as Chief Executive Officer for the UAE.15
- AM Best affirms A- with a negative outlook
The rating covers Liva Insurance B.S.C. (c) and Liva Insurance SAOC.12
- Liva Group appoints a new group chief executive
David Healy succeeds Martin Rueegg, subject to regulatory approval.19
- Salik reports 1.3 million drivers reached with Liva
The release says the renewal service reached more than 1.3 million drivers in its first year.10
Contact Liva Insurance
- Phone+971 4 302 9800
- Toll free800 772
- Emailinsurance.ae@livainsurance.com
- Complaints emailcomplaints.ae@livainsurance.com
- ComplaintsOpen complaints page
- HoursSales line: Monday to Saturday, 08:00 to 20:00. Offices: Monday to Friday, 08:00 to 17:00.
- Head office38th Floor, Burj Al Salam No 2, Sheikh Zayed Road, P.O. Box 28648, Dubai
Branches (3)
| Branch | Address | Phone |
|---|---|---|
| Dubai head office | 38th Floor, Burj Al Salam No 2, Sheikh Zayed Road, P.O. Box 28648, Dubai | +971 4 302 9800 |
| Abu Dhabi office | 1st Floor, Dhafir Tower, Fatima Bint Mubarak Street, Electra - Najda Intersection, P.O. Box 646, Abu Dhabi. The motor policy wording gives Tamouh Tower, Al Reem Island, office 3105, and the contact page map link also points to Tamouh Tower. | +971 2 882 3171 |
| Sharjah office | Office No. 603, Tower C, CG Mall, King Faisal Road, P.O. Box 3761, Sharjah | +971 6 504 8800 |
Common questions
Is Liva Insurance the same as RSA?
Yes. Liva says it was formerly RSA Middle East in the UAE and that existing RSA policies stayed unchanged.9
What travel insurance does Liva sell?
Three plans: Executive, Holiday and Schengen. Each is sold as a single trip of up to 180 days or annual cover with up to 62 days per trip. You can buy online at livainsurance.ae.22
Is Liva travel insurance accepted for a Schengen visa?
Liva says its Schengen plan meets Schengen visa requirements, with EUR 30,000 of medical cover and repatriation, and that you receive the policy document online.22
What is the Liva travel insurance emergency number?
Liva's travel page and key facts document give +971 4 601 8777, 24 hours. The policy booklet gives AMA Global Assistance numbers in the USA, UK and South Asia, so check the number on your policy schedule.5
How do I make a Liva travel insurance claim?
Call +971 4 302 9835 or +971 4 302 9903, or email the claim form and documents to travelclaims.ae@livainsurance.com.6
Does Liva travel insurance cover pre-existing conditions?
No. Claims directly or indirectly related to a pre-existing condition are excluded. That includes anything treated, investigated or advised on in the 12 months before the policy was issued, or before booking the trip on annual cover.4
Who owns Liva Insurance?
Liva Group SAOG of Oman owns all of it. The group is listed on the Muscat Stock Exchange.2
Sources
24
1Liva Insurance UAE, UAE: Insurance firms RSA Middle East and NLGIC to rebrand as Liva, 8 December 2023. Last checked 5 Nov 2026. Source document: UAE: Insurance firms RSA Middle East and NLGIC to rebrand as Liva, 8 December 2023
2Liva Group SAOG, Annual Report 2025. Last checked 5 Nov 2026. Source document: Annual Report 2025
3Central Bank of the UAE, CB Register September of 2026. Last checked 4 Nov 2026. Source document: CB Register September of 2026
4Liva Insurance, Travel insurance policy booklet, File path 2023-12. COVID-19 extension for policies bought on or after 23 December 2021. Last checked 12 Nov 2026. Source document: Travel insurance policy booklet
5Liva Insurance, KFD Travel, PDF created March 2024. Last checked 12 Nov 2026. Source document: KFD Travel
6Liva Insurance, How to make a claim. Last checked 12 Nov 2026. Source document: How to make a claim
7Central Bank of the UAE, CB Register September of 2026. Last checked 5 Nov 2026. Source document: CB Register September of 2026
8Liva Insurance UAE, Contact us. Last checked 5 Nov 2026. Source document: Contact us
9Liva Insurance UAE, Frequently asked questions. Last checked 5 Nov 2026. Source document: Frequently asked questions
10Liva Insurance UAE, Salik and Liva press release, 5 December 2025. Last checked 5 Nov 2026. Source document: Salik and Liva press release, 5 December 2025
11Liva Insurance UAE, Salik Partners with Liva, 14 November 2024. Last checked 5 Nov 2026. Source document: Salik Partners with Liva, 14 November 2024
12AM Best, AM Best Affirms Credit Ratings of Liva Insurance B.S.C. (c) and Liva Insurance SAOC, 12 February 2026. Last checked 5 Nov 2026. Source document: AM Best Affirms Credit Ratings of Liva Insurance B.S.C. (c) and Liva Insurance SAOC, 12 February 2026
13AM Best, AM Best Assigns Credit Ratings to Liva Insurance B.S.C. (c) and Liva Insurance SAOC; Withdraws Credit Ratings of Liva Group SAOG, 7 February 2025. Last checked 5 Nov 2026. Source document: AM Best Assigns Credit Ratings to Liva Insurance B.S.C. (c) and Liva Insurance SAOC; Withdraws Credit Ratings of Liva Group SAOG, 7 February 2025
14AM Best, AM Best Revises Outlooks to Negative for Liva Group SAOG, 13 September 2024. Last checked 5 Nov 2026. Source document: AM Best Revises Outlooks to Negative for Liva Group SAOG, 13 September 2024
15Liva Group SAOG, Interim financial statements, six months ended 30 June 2026. Last checked 5 Nov 2026. Source document: Interim financial statements, six months ended 30 June 2026
16Liva Group SAOG, Interim financial statements, three months ended 31 March 2026. Last checked 5 Nov 2026. Source document: Interim financial statements, three months ended 31 March 2026
17MarketScreener, Liva Group SAOG Reports Earnings Results for the Nine Months Ended September 30, 2026. Last checked 5 Nov 2026. Source document: Liva Group SAOG Reports Earnings Results for the Nine Months Ended September 30, 2026
18Liva Group, Liva Strengthens Strategic Partnership with Beloy and Petra Insurance, 25 November 2025. Last checked 5 Nov 2026. Source document: Liva Strengthens Strategic Partnership with Beloy and Petra Insurance, 25 November 2025
19Liva Group, Liva Group Strengthens Executive Leadership with Two Key Appointments, 7 January 2026. Last checked 5 Nov 2026. Source document: Liva Group Strengthens Executive Leadership with Two Key Appointments, 7 January 2026
20Trustpilot, Livainsurance profile, read through ReefAPI. Last checked 5 Nov 2026. Source document: Livainsurance profile, read through ReefAPI
21RSA Insurance, RSA to sell shareholding in RSA Middle East to National Life & General Insurance Company, 4 April 2022. Last checked 5 Nov 2026. Source document: RSA to sell shareholding in RSA Middle East to National Life & General Insurance Company, 4 April 2022
22Liva Insurance, Travel Insurance. Last checked 12 Nov 2026. Source document: Travel Insurance
23Liva Insurance, Travel policy wording. Last checked 12 Nov 2026. Source document: Travel policy wording
24Liva Insurance, Travel claim form, PDF created November 2023. Last checked 12 Nov 2026. Source document: Travel claim form
- Owner
- Travelinsurance.ae research team
- Last review
- Next review due
- 11 May 2027
- Status
- Published