Salama
Salama is the brand of Islamic Arab Insurance Co. (Salama) PJSC, a Dubai takaful company, which means it sells Islamic insurance. It was established in 1979 and is listed on the Dubai Financial Market. Its travel takaful has three worldwide plans, a Schengen plan for Europe and Hajj and Umrah plans for Saudi Arabia.
Salama's audited accounts say it was in non-compliance with solvency regulations during 2025 and was AED 41.2 million short of its solvency capital requirement at 31 December 2025. At 30 June 2026 it reported a surplus of AED 111.6 million over that requirement, after raising AED 155 million through a sukuk that converted into shares. Its accounts to 30 September 2026 repeat the June figures because the September solvency position was not yet final.34
Out of 5 from 2,345 Google reviews across 2 offices
An average is not a sign of trust. Read recent reviews yourself before you decide.
What customers sayWhat customers say about Salama
Salama averages 3.5 out of 5 across 2,345 Google reviews of its UAE offices, read 11 Nov 2026. Those reviews cover everything it sells, not only travel insurance.
Read the Google reviews for each office
| Office | Rating | Reviews |
|---|---|---|
| Block A, 4th Floor, Sheikh Rashid Rd, Oud Metha, Dubai | 3.4 | 1,625 |
| Makeen Tower, 101 First Floor, Al Zahiyah, Abu Dhabi | 3.7 | 720 |
Salama travel insurance
Salama's travel booklet lists three plans for worldwide travel, called Traveller, Pearl and Family, a Schengen plan for Europe, and three Hajj and Umrah plans for Saudi Arabia. Each trip can last up to 92 days. The booklet shows no annual plan and no trip cancellation benefit.
| Plan | Type | What it is |
|---|---|---|
| Traveller | Worldwide travel plan | Medical expenses and medical evacuation USD 150,000 each, lost checked-in baggage USD 2,500, delayed departure up to USD 1,000, personal liability USD 50,000. Worldwide, with or without the USA and Canada.5 |
| Pearl | Worldwide travel plan | Medical expenses and medical evacuation USD 50,000 each, lost checked-in baggage USD 1,000, delayed departure up to USD 500, personal liability USD 25,000. Worldwide, with or without the USA and Canada.5 |
| Family | Family travel plan | The Pearl limits, per family: you, your spouse and three children aged 3 months to under 18. Worldwide, with or without the USA and Canada.5 |
| Schengen | Europe travel plan | Medical expenses and medical evacuation EUR 30,000 each, return of remains EUR 5,000. Covers Europe. Baggage, delay and liability benefits are not included.5 |
| Hajj & Umrah Protection Basic, Plus and Extra | Hajj and Umrah plan | Saudi Arabia only. Medical expenses USD 10,000, USD 15,000 or USD 25,000, medical evacuation USD 15,000, lost baggage USD 250, USD 500 or USD 750.5 |
| Cover | With this insurer | Details |
|---|---|---|
| Emergency medical treatment abroad | Depends on plan | USD 150,000 on Traveller, USD 50,000 on Pearl and Family, EUR 30,000 on Schengen. An excess applies to outpatient treatment. Costs the assistance company has not approved first are not paid back, except in an extreme emergency.5 |
| Medical evacuation | Depends on plan | The same limits as medical expenses. The assistance company's medical team decides on transfer or repatriation and where you go. Transport you arrange without its approval is at your own cost.5 |
| Return of remains | Included | USD 15,000 on Traveller, USD 10,000 on Pearl and Family, EUR 5,000 on Schengen. Burial, cremation and funeral costs are excluded.5 |
| Emergency return home after a close relative dies | Included | USD 5,000 on Traveller and USD 2,000 on the other plans. You need the death certificate.5 |
| Delayed departure | Depends on plan | From 4 hours. Traveller pays up to USD 250 to USD 1,000 and Pearl up to USD 125 to USD 500, by length of delay, for transport, hotel and meals against original invoices. Not on Schengen.5 |
| Lost checked-in baggage | Depends on plan | Tops up the airline's compensation: USD 2,500 on Traveller (USD 1,250 a bag, USD 125 an item) and USD 1,000 on Pearl and Family (USD 500 a bag, USD 50 an item). Not on Schengen.5 |
| Delayed baggage | Depends on plan | After 4 hours: up to USD 1,000 on Traveller and USD 500 on Pearl and Family, with documents certified by the airline. Not on Schengen.5 |
| Personal liability | Depends on plan | USD 50,000 on Traveller and USD 25,000 on Pearl and Family. Not on Schengen.5 |
More cover details (5)
| Cover | With this insurer | Details |
|---|---|---|
| Emergency dental treatment | Included | USD 1,000 on every plan.5 |
| Age limit | Depends on plan | The notes to the table of benefits say 65 or under, or over 65 and under 70 with Salama's approval and 25% extra premium. The definitions say 3 months to 80.5 |
| Area and trip length | Depends on plan | Europe, Worldwide (everywhere except your country of residence) or Worldwide I (also excluding the USA and Canada). Each trip up to 92 consecutive days. You must be a permanent resident of the country where the policy is issued.5 |
| Lost passport, driving licence or ID card | Depends on plan | Replacement costs up to USD 500 on Traveller and USD 300 on Pearl and Family. Not on Schengen.5 |
| Hijacking | Depends on plan | Traveller only: USD 250 an hour, up to USD 10,000.5 |
Published prices
- Salama publishes no travel prices. Its travel page says to contact it for rates and offers.13
Check before you buy
- The table of benefits lists no trip cancellation benefit on any plan.5
- Pre-existing, congenital and chronic conditions are excluded, and so are heart and blood vessel illnesses if you had advice or treatment for high blood pressure in the 2 years before the trip.5
- Illness or injury caused by pregnancy or childbirth, and any complication, is excluded.5
- Delayed departure caused directly by a strike of airline, airport or subcontractor staff is excluded, and so are charter or non-regular flights.5
- War, with or without a declaration, and military operations of any kind are excluded.5
Policy documents
- Travel BookletPolicy wording and table of benefits
- Travel Takaful formPolicy schedule form
How to claim with Salama
- Claims phone, Hajj and Umrah, toll free in Saudi Arabia800 897 3919
- Claims phone, Hajj and Umrah+973 17 218919
- Claim onlineOpen claim page
Steps
- As soon as something happens, contact the assistance company's 24-hour alarm centre. Mapfre Asistencia is the assistance company. Give your passport or ID number, assistance card number, full name, what happened and where you are.5
- The booklet's row for the general 24-hour international helpline has no phone number. Under the table of benefits it prints +44 20 7939 9645 for a 'Speciality Assistant Service' in a serious medical emergency, with the policy details left blank. Ask Salama which number to call before you travel.5
- On the Hajj and Umrah plans, call 800 897 3919, toll free in Saudi Arabia, or +973 17 218919.5
- Telephone Salama as soon as possible to tell it about the claim. Salama does not pay back costs that were not approved first. Approved costs need the claim number from the assistance company.5
- Salama's contact form has a Make a claim option for travel takaful. From outside the UAE, call +971 4 357 7000, 9 am to 6 pm, Monday to Friday.6
Documents to have ready
- Original invoices for transport, hotel and meals after a delayed departure5
- For lost baggage, a list of the contents with estimated price and purchase date, and the airline's settlement5
- For delayed baggage, documents certified by the airline5
- For an emergency return home, the death certificate5
- For costs you paid in an extreme emergency without calling first, the vouchers and original invoices5
- Tell Salama by telephone as soon as possible. The booklet sets no deadline in days.5
- For lost baggage, the airline's own waiting period must have passed, and it is at least 21 days.5
Not happy with a claim? Complain to Salama at complaints@salama.ae first. How to complain about an insurer.
About Salama
- Legal name
- Islamic Arab Insurance Co. (Salama) PJSC
- Founded
- 29 April 19791
- Type
- Takaful (Islamic insurance) company writing general and family takaful3
- Owner
- A listed company. Eshraq Investments PJSC and Humana Holding Limited subscribed in full to the AED 155 million sukuk that converted into Salama shares in 2026.9
- Listed on
- Dubai Financial Market, symbol SALAMA, listed 16 September 20051
- Headquarters
- Spectrum Building, Oud Metha, Sheikh Rashid Road, Dubai6
- UAE branches
- A head office in Dubai, plus branches in Abu Dhabi and Sharjah.6
- Also sells
- Motor, Health, Life, Savings and investments, Home7
- Central Bank
- Listed in the Central Bank of the UAE register, September 2026, number 172
Financial strength
Salama was AED 41.2 million short of its solvency capital requirement at 31 December 2025 and reported a surplus of AED 111.6 million at 30 June 2026. The 154% solvency ratio for 30 June 2026 is the company's own figure.
Recent news
- Salama reports a solvency ratio of 154% at 30 June 2026
The company reported a solvency surplus of AED 111.6 million at 30 June 2026 and takaful insurance revenue of AED 469.7 million for the first half.8
- S&P affirms BBB- with a developing outlook
S&P said Salama raised about AED 155 million in the first quarter of 2026, which helped it resolve its solvency deficit, and that its exposure to Algeria and Egypt remains elevated.11
- Salama says its capital restructuring is complete
The company said it had restored its solvency position to a fully compliant level in line with Central Bank requirements.9
- Salama reports 2025 net profit of AED 11.1 million
The company announced preliminary results for the year ended 31 December 2025.10
- Capital reduction takes effect on the Dubai Financial Market
Shareholders approved a capital reduction of AED 456.6 million on 16 October 2025 to offset accumulated losses.3
Contact Salama
- Phone, from outside the UAE+971 4 3577000
- Toll free800 725262
- Emailinfo@salama.ae
- Complaints emailcomplaints@salama.ae
- ComplaintsOpen complaints page
- Hours9 am to 6 pm, Monday to Friday
- Head office4th Floor, Block A, Spectrum Building, Oud Metha, Sheikh Rashid Road, P.O. Box 10214, Dubai
Branches (2)
| Branch | Address | Phone |
|---|---|---|
| Abu Dhabi Branch | Makeen Tower, Office #101, First Floor, Tourism Club Area, Al Zahiya, P.O. Box 7688, Abu Dhabi | |
| Sharjah Branch | 2nd Floor, Mega Mall, next to DU office, Sharjah |
Common questions
Does Salama travel insurance cover trip cancellation?
The booklet's table of benefits lists no trip cancellation benefit on any plan. It pays for an emergency return home if a close relative dies during your trip: USD 5,000 on Traveller and USD 2,000 on the other plans.5
Does Salama have a Schengen travel plan?
Yes. The Schengen plan covers Europe, with medical expenses and medical evacuation of EUR 30,000 each and return of remains up to EUR 5,000.5
Is there an age limit on Salama travel insurance?
The notes to the table of benefits say 65 or under, or over 65 and under 70 with Salama's approval and 25% extra premium. The definitions in the same booklet say 3 months to 80. Ask Salama which applies before you buy.5
How much does Salama travel insurance cost?
Salama publishes no travel prices. Its travel page says to contact it for rates and offers.13
Is Salama insurance good?
S&P affirmed Salama's BBB- rating with a developing outlook on 24 April 2026. Its audited accounts say it did not comply with solvency regulations during 2025 and was AED 41.2 million short of its solvency capital requirement at 31 December 2025. At 30 June 2026 it reported a surplus of AED 111.6 million. Read its latest accounts and recent customer reviews before you decide.4
What do Salama insurance reviews say?
On Google, Salama's head office in Dubai averages 3.4 out of 5 from 1,625 reviews and its Abu Dhabi branch 3.7 from 720, as of 11 November 2026. Together that is 3.5 out of 5 across 2,345 reviews. The reviews cover everything Salama sells, so read recent ones that mention travel claims.
How do I complain about Salama?
Email complaints@salama.ae or call 800 725262. Salama says it aims to resolve a complaint within 7 working days, and you can appeal to appeal@salama.ae. If you are still unhappy, or wait more than 15 working days, you can go to Sanadak, the Central Bank's insurance ombudsman, on 800 72 623 25.6
Sources
14
1Dubai Financial Market, SALAMA company profile. Last checked 11 Nov 2026. Source document: SALAMA company profile
2Central Bank of the UAE, CB Register September of 2026. Last checked 11 Nov 2026. Source document: CB Register September of 2026
3Salama, Consolidated financial statements for the year ended 31 December 2025. Last checked 11 Nov 2026. Source document: Consolidated financial statements for the year ended 31 December 2025
4Salama, Interim condensed consolidated financial statements, 30 September 2026 (unaudited). Last checked 11 Nov 2026. Source document: Interim condensed consolidated financial statements, 30 September 2026 (unaudited)
5Salama, Travel Booklet. Last checked 12 Nov 2026. Source document: Travel Booklet
6Salama, Contact. Last checked 12 Nov 2026. Source document: Contact
7Salama, Home page. Last checked 11 Nov 2026. Source document: Home page
8Salama, SALAMA Reports AED 28.3m H1 2026 Profit as Solvency Reaches 154%. Last checked 11 Nov 2026. Source document: SALAMA Reports AED 28.3m H1 2026 Profit as Solvency Reaches 154%
9Salama, SALAMA Completes Restructuring, Restores Financial Strength, Shifts to Growth. Last checked 11 Nov 2026. Source document: SALAMA Completes Restructuring, Restores Financial Strength, Shifts to Growth
10Salama, SALAMA Reports strong improvement in Full-Year 2025 Results With Reinforced Capital Position. Last checked 11 Nov 2026. Source document: SALAMA Reports strong improvement in Full-Year 2025 Results With Reinforced Capital Position
11S&P Global Ratings, Salama/Islamic Arab Insurance Co. P.S.C. 'BBB-' Ratings Affirmed; Outlook Developing. Last checked 11 Nov 2026. Source document: Salama/Islamic Arab Insurance Co. P.S.C. 'BBB-' Ratings Affirmed; Outlook Developing
12AM Best, A.M. Best Withdraws Ratings of Islamic Arab Insurance Co. (Salama). Last checked 11 Nov 2026. Source document: A.M. Best Withdraws Ratings of Islamic Arab Insurance Co. (Salama)
13Salama, Travel Takaful. Last checked 12 Nov 2026. Source document: Travel Takaful
14Salama, Get a Quote. Last checked 12 Nov 2026. Source document: Get a Quote
- Owner
- Travelinsurance.ae research team
- Last review
- Next review due
- 10 Feb 2027
- Status
- Published