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Pet & Travel Insurance

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.