Yes, there is cover for emergency medical expenses due to terrorism, provided the additional premium has been paid. For details of the cover please refer to the Policy Document. Claims related to War situations are not covered.

Yes, provided the additional premium has been paid. See the policy document for more details of the cover.

Yes, provided you are not diving professionally and do not dive to a depth below 30 meters. You can also get additional hazardous sports coverage by adding the extension to your policy.

Pregnancy is not an illness and therefore it is not covered under either the cancellation or the medical sections of the policy; we only cover unexpected/emergency illness, including complications from pregnancy. See the policy documents for more details of the cover.

In this case, you cannot extend the policy date as the travel has already commenced. In exceptional circumstances, and subject to individual referral, we may agree to extend, provided the reasons for the extension are clear and there is no known event that might give reason to claim.

If you were injured and require assistance, the assistance company will respond with what is deemed necessary. If the helicopter was deemed necessary then coverage may apply. The assistance provider will assess the situation and arrange evacuation accordingly.

No, conditions that existed at the time of taking a trip will not be covered under the policy. However, if you choose to add on our pre-existing cover extension, then there is a list of pre-existing conditions that will be covered under your policy extension. See the policy document for the full definition of what a pre-existing medical condition is.

Participation in hiking, trekking, or walking (up to 15 miles a day and up to 4,000m) is covered without paying additional premium. Participation in hiking, trekking, or walking (over 15 miles a day and between <4,000m and >5,450m) will not be covered unless you opt-in for the Hazardous Sports extension.

The medical emergency service, provided by Europ Assistance, will arrange repatriation of remains in accordance with local and international protocols, if the incident is covered under the Terms & Conditions of the policy. The reasonable additional costs will be covered up to the amount specified in the policy.

Yes. Provided the medical condition is covered (including Covid-19) the policy will provide cover for necessary and reasonable emergency medical expenses in respect of both inpatient and outpatient services. The customer should always contact the medical assistance helpline operated by Europ Assistance to receive help and guidance below: 800 035 702 831

The policy covers emergency medical expenses, which includes consultations for illnesses like fever if deemed medically necessary. Routine check-ups or pre-existing conditions are excluded.

Yes, travel by road or cruise is covered, provided your trip is within the geographical limits stated in the policy and adheres to policy conditions.

Changes to travel dates or personal details can be made before the trip starts. Once the policy has commenced, travel dates cannot be changed. For editing other details, like nationality, contact customer support. You can reach customer support at: +971 04 551 6325

Direct billing is available in certain cases, but it depends on the medical facility and the assistance provider's approval. There is no specific network list provided, but the emergency helpline can assist in directing you to appropriate facilities. You can reach the emergency helpline at: 800 - 035 702 831

Yes, provided that the diagnosis is made within the period of insurance.

Any claim that results from you travelling to a country or an area where the (FCO) Foreign and Commonwealth Office advice at the time that you purchase your policy or book an individual trip, whichever is the latter, is not to travel to this country or area. FCO Link: https://www.gov.uk/foreign-travel-advice

If an insured is provided with a confirmed diagnosis and is advised on medical grounds not to travel, then yes, a claim may be made against the policy, provided that the insured became ill after the insurance was taken. Please refer to the full terms and conditions of the policy that will apply.

Provides cover for multiple trips in a 365-day period provided each trip does not exceed 92 days. Winter sports trips can be covered provided the additional premium has been paid, subject to a maximum of 17 days winter sports cover in total.

An emergency refers to any unforeseen and urgent situation requiring immediate attention, such as an accident, sudden illness, or other events leading to claims under the policy.

Unfortunately, your travel to Russia will not be covered. According to the updated list of sanctioned countries, any travel to, from, or through Russia (Russian Federation) is excluded from coverage. This policy applies uniformly to all sanctioned countries.

Yes, if the insurance doesn’t meet your needs, then you are entitled to a full refund provided that you cancel the insurance within the 5-day cooling-off period (within 5 days of the policy being issued), providing details of why the policy doesn’t meet your needs. Additionally, if the customer has a visa application denied and this prevents travel, then the single trip policy may be cancelled but you must provide evidence in the form of a letter from the relevant embassy before we can issue a refund. Please note if you have a Premier or Elite plan and wish to make a claim for Travel Visa Rejection, a refund of premium cannot be given as a claim is being made under the policy.

Two adults & up to four children aged 16 years and under at the date of travel for single trip policies, and for annual policies, the date the policy starts. All policy limits apply per person as defined in the policy document.

Once a confirmed diagnosis has been made, the policy operates to provide coverage in respect of necessary and reasonable medical expenses and accommodation costs, as more fully described in the policy. The certificate of insurance makes specific reference to cover applying for COVID-19 as follows: Section B, Emergency Medical and Other Expenses, provides coverage for COVID-19 if the insured person contracts the virus during the period of insurance, subject to the cover, terms, and conditions more fully described in the policy document.

The customer must be a resident of GCC, travelling from GCC at the time the policy is issued and must not be aged over 75 years.

No, not for the test itself. The policy will operate, once a positive Covid-19 diagnosis has been made, to provide coverage for the necessary and reasonable additional medical and accommodation expenses as more fully defined in the policy.

Yes, the maximum age is 75 years at the time the policy is issued.

The policy does not contain an epidemic/pandemic exclusion. To that degree, Covid-19 is considered by the policy like any other emergency medical situation arising during the period of insurance. The terms of the insurance product detailed in the policy document should be reviewed to ensure that it meets your requirements.

Pre-existing medical conditions or linked conditions are defined as any health conditions for which medical care, treatment, or advice was recommended by or received from a physician, or for which symptoms were present within a two (2) year period preceding the travel date or a condition for which hospitalisation or surgery was required within a five (5) year period preceding the travel date.

The policy does not cover quarantine. However, if an insured customer receives a positive Covid-19 diagnosis, then cover will operate in line with the terms and conditions of the policy more fully described in the policy document. Emergency medical expenses and additional accommodation expenses, provided they are reasonable and necessary, will be covered. Again, you should refer to the full terms and conditions of the insurance policy. The medical emergency helpline, 800 - 035 702 831, will be happy to assist customers. If you are unable to pay, then the medical emergency service will arrange for guarantees of payment to be issued.

Children from 0 – 16 years old Adult from 17-65 years old Senior from 66-75 years old

Children are insured free of charge provided a family policy is selected – see above definition of family. If a child is not insured part of a family plan, there is a 50% discount on the standard rate.

The policy provides coverage for reasonable and additional accommodation expenses because of a covered medical event occurring during the period of insurance. If an insured person is provided with a confirmed diagnosis, then necessary and reasonable emergency medical expenses along with necessary and reasonable additional accommodation expenses, provided they arise from the medical condition (that includes a confirmed Covid-19 diagnosis), will be covered by the policy. You must always follow government advice and comply with the published travel protocols. Quarantine is not covered if a confirmed Covid-19 diagnosis has not been provided. The cover only operates if a positive Covid-19 diagnosis has been made.

The Outbound policy is specifically designed for GCC residents. It is for GCC residents travelling internationally. Non-GCC residents are not eligible to purchase this insurance. The Inbound policy is specifically designed for non-GCC residents travelling into the GCC.

To cancel your insurance, you must submit a written request along with the reason for cancellation. Policies can typically be canceled within five calendar days of purchase cooling-off period or if no claim has been made. You can submit your cancelation request via email to customersupport@mootravelcover.com

The customer should always contact the emergency medical assistance line, the contact details and procedures are noted within the policy document and below. 800 - 035 702 831 This medical assistance service, provided by Mapfre Asistencia on behalf of Alliance Insurance PSC, operates on 365 days, 24/7 basis. They will be happy to assist you.

Our claims are handled by Europ Assistance. You can submit the claim form to travela@europ-assistance.com. You can download the claim form below or go to our Make a Claim page. You can also contact Europ Assistance via the contact information below. Call within UAE: 800 035702831 Call International: +971 4 436 5653 Or email travela@europ-assistance.com

No, a family plan covers two adults (husband and wife) and up to four dependent children aged 0-16 years. A husband and wife should book their policy as 2 Adults.

Single trip covers one trip for a specific period whereas annual multi-trip covers multiple trips (subject to the individual trip limit of 92 days) occurring in the 12-month period and is more suited to frequent travelers.

Lifetime cover is typically seen as the premium option and is ideal if your pet develops a long-term illness, such as diabetes or arthritis. The policy limits are refreshed each year, so you know your pet is always covered, even for ongoing medical conditions, provided you remain insured with Moo Pet. Time Limited cover is designed for pet owners wanting a pet policy that covers the essentials. It will cover your pet for short-term illnesses and injuries for up to 12-months from the date the illness or injury was first noticed, provided you remain insured with Moo Pet

Moo Pet offers both accident only as well as comprehensive accident and illness pet insurance coverage. For some of the plans a travel extension cover is also available, which covers bills you might incur for vet visits while traveling with your pet. Accident only is just that - coverage in case your pet suffers an accident and requires vet attention. For accident and illness covers, your dog or cat would be protected when they get either sick or hurt.

The younger your pet is when you buy the insurance, the better. As pets get older, their risk of getting sick or hurt goes up, which means the cost of the insurance will be higher. Plus, like other providers, Moo Pet plans do not cover pre-existing conditions, which means that the more injuries and illnesses your pet goes through before you buy the policy, the more limited your coverage will be.

There is a 30 days waiting period for any illness. You can get pet insurance before you visit the vet, but the condition your pet needs to see the vet for that time would be considered a pre-existing condition, which means it would not be covered. Neither would any follow-up care or future recurrences of that condition. However, the sooner you get it, the better.

Yes, there are discounts available for multiple pets. The discounts are reflected in your quote.

To make a claim you will need to complete the claim form found on our website at Make A Claim or below. Submit your claim form along with the supporting documentation via email to claims.moopet@kainosint.com.

We will issue the renewal notice 21 days before the expiration date of the existing policy.

You can find out by getting a quick quote https://quote.moopetcover.com/quote/details. Your personal quote will depend on various factors, such as your pet’s age and breed, along with the product you choose.

Your pet must be in good health, licensed, microchipped, tagged, and free from injury or illness.

Take proper care of your pet. This includes taking it for a general health and dental check at least every 12 months and regular vaccinations as recommended by your vet. Your pet must be kept in a secure area. Any fences and enclosures must be capable of retaining your pet and all gates, openings and so on must be kept secure. When your pet is on a public highway, it must be kept on a collar and lead and under control. If your dog is a controlled breed, then they must remain muzzled and on a lead at all times. You must ensure your premium is paid in full and on time.

This policy provides cover for costs associated with illness or injury. Preventative and routine procedures (such the above) are not covered. Dental treatment is only covered if required as the result of an accident.

This policy does not include congenital illness, defect or abnormalities that it was born with.

Moopet covers dental treatment only as part of an accidental injury claim.

This will depend on the reason your dog needed the dental treatment. If your dog was injured accidentally and you can claim for the incident under the vet’s treatment section of the policy, the dental treatment will be included. This includes dental extractions and gum repair. If the dental work is not required due to an accidental injury, the dental work is unfortunately not covered.

Moopet doesn’t offer dental cover for preventative measures. Just like your annual health check and vaccinations, it is your responsibility to keep on top of your pet’s dental health, but you cannot claim for the cost of these treatments under your policy.

The policy does not offer dental cover for conditions related to disease. This includes periodontal diseases like gingivitis or epulis, as well as plaque build-up or cavities, or any other illnesses that cause erosion or other damage to your pet’s teeth.

The policy only offers cover for dental treatments if your pet has suffered an accidental injury. If the dental work is not required due to an accidental injury, the dental work is unfortunately not covered.

The policy provides cover for diagnostic, medical and surgical treatments if they are required as part of diagnosis/treatment for an illness/injury covered by this policy and the costs are reasonable and customary. There are maximum limits per policy year for CT and MRI scans and you should refer to your Policy Schedule for details of the limits that apply.

Yes. We will pay reasonable costs for your pet’s veterinary treatment and necessary prescriptions for an illness or accidental injury that is covered by the policy.

No. This policy does not cover pre-existing conditions, any costs caused by or related to a pre-existing condition, or any conditions that occur within 30 days of the initial commencement of the policy.

Yes, our policies cover your pet year after year provided that you have renewed the policy annually for the life of the pet(s), i.e. as long as you don’t cancel your policy or let it lapse. Your Deductible percentage may increase once your pet is over 8 years old.

Cover will commence 30 days after the initial start date of your policy. This is known as the initial exclusion period. Accidents and illness manifesting in this 30-day period will not be covered. This initial exclusion period only applies when you first take out your policy, not at renewal.

The Deductible is the percentage (%) portion of the claim amount, which is subject to a minimum amount, for which you are liable for any accepted claim. We will automatically reduce the claim amount by the Deductible percentage (%) when assessing your claim, meaning whoever is the payee on the claim will receive the accepted claim settlement amount less the Deductible. Please make sure you check the Deductible on your policy documents carefully as your cover can change at renewal.

You must take reasonable steps to maintain your pet's health throughout the life of the policy and to prevent injury and illness. Therefore, you must arrange and pay for your pet to have an annual health and dental examination by a vet in order to prevent illness or injury and get any treatment they recommend carried out. Failure to observe these conditions will invalidate your policy.

No. We have an open network which means that you can go to any licensed vet within the UAE to have your pet treated.

If your pet is not listed on the website, please contact customerservice@moopetcover.com or call us at +971 4 422 9688 for assistance.

We will always ask for the pet’s full medical history; however, we are aware that this may be limited if the pet has been rehomed. In this case, you should ask your vet to carry out a full medical check-up before taking out the policy to identify any medical conditions that exist or may exist as these will be considered pre-existing conditions and will not be covered by the policy.

You may cancel your policy at any time. However, you will only receive a full refund if you cancel within 14 days of taking out the policy and provided we have no record of any claims being notified. After the 14-day cooling off period you may cancel the policy at any time by giving us 14 days’ notice. We will refund a proportion of your premium provided that no claim has been paid, made or notified; in that circumstance we will be entitled to retain all your premium.

Please email customerservice@moopetcover.com or call us at +971 4 422 9688.

Pre-existing conditions are health conditions that have arisen before you take out an insurance policy. Pet insurance is designed to cover unforeseen incidents, so if your pet has already suffered an illness or injury before you insure them, this injury or illness will not be covered by your new policy. For the avoidance of doubt, pre-existing conditions can be classed as any of the following: Signs or symptoms of diagnosed or undiagnosed injuries or illnesses Existing illnesses or injuries Existing physical abnormalities Existing illnesses, injuries or physical abnormalities which lead to other health issues Illnesses or injuries which are medically linked to existing illnesses, injuries or physical abnormalities We would consider a bilateral condition (occurring on both sides of the animal’s body at different times, such as hip dysplasia or cruciate ligaments) as pre-existing if one side of the body has had a similar issue prior to the inception of the policy.