Sukoon Insurance
Sukoon Insurance is a Dubai insurer established in 1975. It was called Oman Insurance Company until its legal name changed, which it announced on 10 January 2024. It is a subsidiary of Mashreq Bank and its shares are listed on the Dubai Financial Market. It sells Travel Easy travel insurance to UAE residents in five plans, single trip and annual, with a 24-hour assistance line for emergencies abroad.
Out of 5 from 3,592 Google reviews across 7 offices
- Trustpilot1.674 ratings
An average is not a sign of trust. Read recent reviews yourself before you decide.
What customers sayWhat customers say about Sukoon Insurance
Sukoon Insurance averages 3.9 out of 5 across 3,592 Google reviews of its UAE offices, read 11 Nov 2026. Offices range from 1.8 to 4.5. Those reviews cover everything it sells, not only travel insurance.
Read the Google reviews for each office
Sukoon Insurance travel insurance
Sukoon sells one travel product, Travel Easy, for trips that begin and end in the UAE. It comes as two single-trip plans for individuals, Elite and Ultimate, a single-trip Family Plan, and annual multi-trip plans for individuals and families. The individual plans meet Schengen visa rules and the family plans do not.
| Plan | Type | What it is |
|---|---|---|
| Travel Easy Elite | Single trip | Emergency medical USD 75,000, trip cancellation USD 1,000, luggage USD 500, personal liability USD 500,000. Meets Schengen visa rules.4 |
| Travel Easy Ultimate | Single trip | Emergency medical USD 1,000,000, trip cancellation USD 6,000, luggage USD 3,000, personal liability USD 1,000,000. Meets Schengen visa rules.4 |
| Travel Easy Family Plan | Single trip, family | Emergency medical USD 60,000, trip cancellation USD 1,000, luggage USD 500, personal liability USD 100,000. Limits are shared across the family. Does not meet Schengen visa rules.4 |
| Travel Easy Annual Individual | Annual multi-trip | Emergency medical USD 1,000,000, trip cancellation USD 1,000, luggage USD 1,000, personal liability USD 1,000,000. Each trip up to 90 days.4 |
| Travel Easy Annual Family | Annual multi-trip, family | Emergency medical USD 60,000, trip cancellation USD 1,000, luggage USD 500, personal liability USD 100,000, shared across the family. Each trip up to 60 days. Does not meet Schengen visa rules.4 |
| Cover | With this insurer | Details |
|---|---|---|
| Emergency medical expenses | Included | USD 1,000,000 on Ultimate and Annual Individual, USD 75,000 on Elite, and USD 60,000 on the two family plans, with a USD 50 deductible. Costs must be incurred within 6 months of the injury or illness, and nothing is paid once you are back in the UAE.6 |
| Medical evacuation and repatriation | Included | Evacuation is included on every plan and arranged by Sukoon's assistance provider, which chooses the transport and destination. Repatriation of remains is USD 15,000 on Ultimate and USD 10,000 on the other plans. Inpatient treatment or repatriation that Sukoon or its assistance service has not authorised is not paid.6 |
| Trip cancellation | Included | USD 6,000 on Ultimate and USD 1,000 on the other plans, less a USD 100 deductible. Pays non-refundable travel and accommodation costs if you must cancel because of the death, serious injury or illness of you, a relative or a travelling companion.6 |
| Trip curtailment | Included | USD 6,000 on Ultimate and USD 1,000 on the other plans, less a USD 100 deductible. Pays the unused part of prepaid travel and accommodation if you must cut the trip short and return home, and nothing if you do not return immediately to your country of residence.6 |
| Trip delay | Included | USD 50 an hour after a 4-hour wait, up to USD 1,000 on Ultimate and USD 500 on the other plans, for meals and lodging. The delay must come from a strike, industrial action, bad weather or mechanical breakdown that was not public or known when you booked.6 |
| Luggage and personal effects | Included | USD 3,000 on Ultimate, USD 1,000 on Annual Individual and USD 500 on the other plans. Per item USD 50, or USD 100 on Annual Individual. For Ultimate the January 2026 brochure gives USD 300 per item and the terms give USD 100. Theft must be reported to the police within 24 hours, and items over a year old are paid after wear and tear.4 |
| Missed departure or connection | Included | USD 1,500 on Ultimate, USD 1,000 on Annual Individual and USD 500 on the other plans, for extra room-only accommodation and travel. Covers public transport failing because of a strike, industrial action, bad weather or breakdown, or an accident or breakdown of your car on the way to the international departure. You need written confirmation from the carrier.6 |
| COVID-19 and other epidemics | Depends on plan | The terms pay emergency medical costs for an infectious disease caught in a country other than the one where the trip started, after a positive diagnosis, up to USD 25,000.6 |
More cover details (9)
| Cover | With this insurer | Details |
|---|---|---|
| Baggage delay | Included | USD 50 an hour for essentials after your checked bag is 4 hours late at your destination, up to USD 1,000 on Ultimate and USD 500 on the other plans. The carrier must certify the delay. Nothing is paid for a delay on arrival back in the UAE.6 |
| Personal liability | Included | USD 1,000,000 on Ultimate and Annual Individual, USD 500,000 on Elite, and USD 100,000 on the family plans.4 |
| Loss of passport | Included | USD 500 on Ultimate and Annual Individual, USD 300 on Elite and USD 250 on the family plans, less a USD 25 deductible. Theft must be reported to the police within 24 hours.6 |
| Legal fees and bail bond | Included | Legal fees from USD 1,000 on the family plans to USD 10,000 on Ultimate, for claims against a third party who injured you on the trip. Bail bond from USD 5,000 to USD 15,000 on Ultimate.6 |
| Burglary at home while you travel | Included | USD 10,000 on Ultimate and Annual Individual and USD 5,000 on the other plans, for burglary at your home in the first 90 days of the trip. A police report is required.6 |
| Schengen visa | Depends on plan | Elite, Ultimate and Annual Individual meet Schengen visa rules. The Family Plan and Annual Family do not.4 |
| Trip length | Depends on plan | Up to 180 days on a single-trip plan, 90 days a trip on Annual Individual and 60 days a trip on Annual Family. Each trip must begin and end in your country of residence.6 |
| Age limits | Depends on plan | 6 months to 70 years, and children under 16 must travel with an adult.7 |
| Area of cover | Depends on plan | Worldwide, or worldwide excluding the USA and Canada at a lower price.4 |
Published prices
- Sukoon's travel page says premiums start from AED 60 for individuals and AED 140 for families, with up to 10% off online, as of 12 November 2026.7
- Single trip of 1 to 7 days, worldwide excluding the USA and Canada, age 6 months to 60: AED 60 on Elite, AED 115 on Ultimate and AED 140 on the Family Plan. Worldwide including the USA and Canada: AED 80, AED 150 and AED 225. From the January 2026 brochure, before 5% VAT.4
- Single trip of 151 to 180 days, age 6 months to 60: AED 600 on Elite and AED 1,150 on Ultimate excluding the USA and Canada, or AED 1,065 and AED 1,800 worldwide. Travellers aged 61 to 70 pay twice these rates. The Family Plan is sold for trips of up to 60 days.4
- Annual multi-trip: AED 685 per person aged 18 to 60 on Annual Individual, and AED 870 on Annual Family for ages 6 months to 60, before 5% VAT.4
Check before you buy
- Any pre-existing medical condition: one for which care, treatment or advice was recommended or received in the 2 years before the policy started, or that needed hospital treatment or surgery in the 5 years before.6
- Pregnancy, childbirth and all related conditions. The assistance service will not evacuate or repatriate anyone more than six months pregnant.6
- Winter sports, skydiving, bungee jumping, scuba diving, roped or guided mountain climbing, white-water rafting, motor racing and any other hazardous sport. The terms offer no sports extension.6
- War, civil war, invasion, hostilities and terrorism.6
- Cancellation because of travel restrictions after the World Health Organisation declares a pandemic or epidemic, or because a carrier or government cancels the flight route.6
Policy documents
- Travel Easy terms and conditionsPolicy wording, 2025
- Travel Easy brochure, with table of benefits and premium tableTable of benefits, 2026
- Travel downloads, English and ArabicInsurer page
How to claim with Sukoon Insurance
- Claims phone, 24-hour emergency assistance outside the UAE+962 6 500 8119
- Claims phone, claims department+971 4 233 7463
- Claims emailgeneralinsuranceclaims@sukoon.com
- Claim onlineOpen claim page
Steps
- In an emergency or if you need hospital treatment abroad, call Sukoon's 24-hour assistance line on +962 6 500 8119 before you are admitted, or as soon as you can afterwards. Have the policy number from your Certificate of Insurance ready. Sukoon also lists local helplines in Ireland, Germany, France, Spain and the USA on its claim page.5
- Inpatient treatment and emergency repatriation are paid only if Sukoon or its assistance service authorises them first.6
- For outpatient or clinic treatment, pay the hospital or clinic yourself and claim the money back from Sukoon.5
- For every other claim, contact the claims department when you are back, on +971 4 233 7463 or 464, or generalinsuranceclaims@sukoon.com. The claim page gives the UAE toll-free claims number as 800 4746. The terms give 800 SUKOON (785666). Ask for a claim form, then return it with the original supporting documents. You can also file a claim at a Sukoon office.5
Documents to have ready
- Completed claim form, requested from the claims department6
- Original supporting documents, such as bills and receipts6
- Police report5
- Proof of ownership for lost or damaged items5
- Property irregularity report from the airline for checked luggage5
- Written confirmation from the carrier of the reason and length of a delay or missed connection6
- The terms say to submit your claim as soon as practicable and no later than 30 days after you return.6
- The general provisions ask for written notice within 31 days of the loss and completed claim forms within 60 days. No claim is paid if proof of loss arrives more than a year after the loss.6
- Report theft or loss of luggage, money or a passport to the police within 24 hours.6
- Sukoon says it will try to pay eligible claims within 5 working days of receiving the documents, by bank transfer or by cheque on request.5
Not happy with a claim? Complain to Sukoon Insurance at complaints@sukoon.com first. How to complain about an insurer.
About Sukoon Insurance
- Legal name
- Sukoon Insurance PJSC
- Founded
- 27 August 19751
- Type
- Conventional insurer, listed by the Central Bank of the UAE as a national insurance company. Sukoon Takaful PJSC has its own entry in the register.3
- Owner
- A subsidiary of Mashreq Bank, which holds 64.76% of the shares according to the 2025 integrated report.12
- Listed on
- Dubai Financial Market, symbol SUKOON, listed 1 October 20041
- Headquarters
- Omar Bin Al Khattab Street, next to Al Ghurair Mall, Deira, Dubai10
- UAE branches
- Seven UAE offices: the Deira head office, a back office in Dubai Outsource Zone and an Al Ghusais office in Dubai, plus Abu Dhabi, Sharjah, Ajman and Ras Al Khaimah.10
- Also sells
- Motor, Health, Home, Life, Personal accident7
- Previous name
- Oman Insurance Company P.S.C., until Jan 20242
- Central Bank
- Listed in the Central Bank of the UAE register, September 2026, number 93
Financial strength
The 275% solvency ratio is the figure Sukoon gives in its 2025 integrated report. Sukoon says gross written premium passed AED 7 billion in 2025. The S&P date is the day Sukoon announced the rating, and the Moody's date comes from an MT Newswires report.
Recent news
- Moody's affirms Sukoon's A2 rating
MT Newswires reported that Moody's confirmed Sukoon's A2 insurance financial strength rating with a stable outlook.15
- S&P reaffirms Sukoon's A rating
Sukoon announced that S&P Global Ratings reaffirmed its A issuer credit and insurer financial strength ratings with a stable outlook.14
- Sukoon reports its 2025 results
Sukoon said gross written premium passed AED 7 billion in 2025, up 19% on the year before.13
- Oman Insurance Company becomes Sukoon Insurance PJSC
The company said the legal name change has no effect on existing policies or cover.2
Contact Sukoon Insurance
- Phone+971 4 233 7777
- Toll free800 785666
- Toll free, travel insurance team800 1642
- Emailservice@sukoon.com
- Complaints emailcomplaints@sukoon.com
- ComplaintsOpen complaints page
- HoursBranches: Monday to Friday, 8 am to 5 pm. The travel insurance team on 800 1642: Monday to Friday 9 am to 6 pm, Saturday 9 am to 5 pm.
- Head officeOmar Bin Al Khattab Street, next to Al Ghurair Mall, Deira, P.O. Box 5209, Dubai
Branches (6)
| Branch | Address | Phone |
|---|---|---|
| Back Office | Injaz Building, Block Number 1, 2nd Floor, Dubai Outsource Zone, Dubai | 800 785666 |
| Al Ghusais (a subsidiary of Sukoon Insurance) | Al Ghusias Plaza Building, Office Number 210 & 211, 2nd Floor, Equator Office, P.O. Box 5209, Dubai | 800 785666 |
| Abu Dhabi | Salam Street, Al Markaziyah, Sheikh Nahyan Bin Khalifa Bldg. 126, P.O. Box 3335, Abu Dhabi | 800 785666 |
| Sharjah Branch (Life Agency and Motor Claims Centre) | Al Khan Corniche, Majestic Tower, Ground Floor, P.O. Box 1931, Sharjah | 800 785666 |
| Ajman | Al Refaa 1 Building, Sheikh Khalifa Bin Zayed Road, Al Nuaima 3, Ground Floor, Ajman | 800 785666 |
| Ras Al Khaimah | Al Nakheel, Julphar Tower, 37th Floor (Office Building), Ras Al Khaimah | 800 785666 |
Common questions
Is Oman Insurance now Sukoon?
Yes. Oman Insurance Company P.S.C. changed its legal name to Sukoon Insurance PJSC, announced on 10 January 2024. The company said the name change has no effect on existing policies or cover.2
How much is Sukoon travel insurance?
Sukoon's travel page gives prices from AED 60 for individuals and AED 140 for families, as of 12 November 2026. Its January 2026 brochure gives AED 60 on Elite for 1 to 7 days excluding the USA and Canada, AED 685 a year on Annual Individual and AED 870 a year on Annual Family, all before 5% VAT.4
Which Sukoon travel plans can I use for a Schengen visa?
Elite, Ultimate and Annual Individual. Sukoon says the Family Plan and Annual Family do not meet Schengen visa rules.4
What number do I call for a medical emergency abroad?
Call +962 6 500 8119, 24 hours a day, and give your policy number. Sukoon's travel page lists +971 4 233 7463 for emergencies within the UAE. The assistance email differs by document: the travel page gives travela@europ-assist.com, the claim page TRAVELA@mapfre.com and the terms TRAVELA@europ-assistance.com.7
How long do I have to make a Sukoon travel claim?
The terms say no later than 30 days after you return. Their general provisions also ask for written notice within 31 days of the loss and the claim form within 60 days, and no claim is paid if proof arrives more than a year after the loss.6
Does Sukoon travel insurance cover pre-existing conditions?
No. The terms exclude any condition treated or advised on in the 2 years before the policy started, or that needed hospital treatment or surgery in the 5 years before, and any complication of it.6
Can I cancel a Sukoon travel policy?
The terms say a travel policy can only be cancelled at Sukoon's sole discretion. Ask Sukoon on 800 1642 before you buy if your dates may change.6
How do I complain about Sukoon?
Write to complaints@sukoon.com. Sukoon emails you a complaint reference number. Its complaints policy says you can then escalate to Sanadak on 800 SANADAK (7262325) or at sanadak.gov.ae.11
Sources
16
1Dubai Financial Market, Sukoon Insurance PJSC company profile. Last checked 11 Nov 2026. Source document: Sukoon Insurance PJSC company profile
2Sukoon Insurance, Oman Insurance Company P.S.C. changes legal name to Sukoon Insurance PJSC. Last checked 11 Nov 2026. Source document: Oman Insurance Company P.S.C. changes legal name to Sukoon Insurance PJSC
3Central Bank of the UAE, CB Register September of 2026. Last checked 11 Nov 2026. Source document: CB Register September of 2026
4Sukoon Insurance, Travel Easy brochure, English, 2026, 01/2026. Last checked 12 Nov 2026. Source document: Travel Easy brochure, English, 2026
5Sukoon Insurance, Travel claim submission. Last checked 12 Nov 2026. Source document: Travel claim submission
6Sukoon Insurance, Travel Easy terms and conditions, English, Undated in the text. File created 30 July 2025. Last checked 12 Nov 2026. Source document: Travel Easy terms and conditions, English
7Sukoon Insurance, Travel Insurance Dubai, Compare Plans & Buy Online UAE. Last checked 12 Nov 2026. Source document: Travel Insurance Dubai, Compare Plans & Buy Online UAE
8Sukoon Insurance, Downloads, individual travel. Last checked 12 Nov 2026. Source document: Downloads, individual travel
9Apple App Store, mySukoon. Last checked 12 Nov 2026. Source document: mySukoon
10Sukoon Insurance, Sukoon Insurance Branches in UAE. Last checked 11 Nov 2026. Source document: Sukoon Insurance Branches in UAE
11Sukoon Insurance, Explore Our Complaint Management Policy. Last checked 11 Nov 2026. Source document: Explore Our Complaint Management Policy
12Sukoon Insurance, Integrated Report 2025. Last checked 11 Nov 2026. Source document: Integrated Report 2025
13Sukoon Insurance, Sukoon delivers record 2025 financial results. Last checked 11 Nov 2026. Source document: Sukoon delivers record 2025 financial results
14Sukoon Insurance, Sukoon Insurance's 'A' Rating Reaffirmed by S&P with Stable Outlook. Last checked 11 Nov 2026. Source document: Sukoon Insurance's 'A' Rating Reaffirmed by S&P with Stable Outlook
15MT Newswires via Webull, Moody's Affirms Sukoon Insurance's Rating, Stable Outlook on Strong Market Position. Last checked 11 Nov 2026. Source document: Moody's Affirms Sukoon Insurance's Rating, Stable Outlook on Strong Market Position
16Trustpilot, Sukoon reviews. Last checked 11 Nov 2026. Source document: Sukoon reviews
- Owner
- Travelinsurance.ae research team
- Last review
- Next review due
- 11 May 2027
- Status
- Published