Travel Insurance
General
Why do I need Travel Insurance?
Travel Insurance helps protect you if something unexpected happens during your trip, such as trip cancellation, medical emergencies, or lost baggage, by helping cover the related costs according to your policy coverage.
Is Travel Insurance mandatory?
Travel Insurance isn't mandatory, but it helps protect you if something unexpected happens during your trip. Some countries also require travel insurance as part of their visa application process.
Purchasing and Policy details
How much does Travel Insurance cost?
The cost of Travel Insurance depends on several factors, such as the plan you choose, your level of coverage, the length of your trip, and the traveller's age.
How can I buy Travel Insurance?
You can get insured through the tree app or our website. Just fill in your details, choose the plan that suits you, and complete your payment.
Can I buy Travel Insurance after booking my trip?
Yes, you can purchase Travel Insurance after booking your flight, as long as your policy is issued before your trip begins.
Is there an age limit for Travel Insurance?
Yes. The policyholder must be at least 18 years old to purchase Travel Insurance. Travellers under the age of 18 can be included under a Family Travel Insurance policy.
How can I cancel my policy and get a refund?
You can cancel your policy through tree app, our website, or by contacting our Customer Care team.
If your trip hasn't started yet and you request cancellation within 10 days of your policy being issued, you're eligible for a full refund, provided no claims have been made.
For annual policies, you can cancel at any time, and any eligible refund will be calculated based on the remaining policy period.
What is the policy excess?
The deductible is the amount you pay towards the claim. It is SAR 200 per person for each incident. The deductible may vary depending on the type of claim and may not apply in some cases. You can find the deductible amount for your policy in the policy schedule.
Covering for Trip Changes
What does Trip Cancellation cover?
It covers unused travel and accommodation costs if you have to cancel your trip due to a covered reason, such as illness or other covered events, up to SAR 15,000 & a SAR 200 deductible may apply.
What happens if I need to cut my trip short?
If you have to cut your trip short due to a covered emergency, such as illness, injury, or death, your Travel Insurance covers unused travel and accommodation costs, as well as the cost of returning home, up to SAR 15,000. A deductible may apply.
What happens if I miss my trip because of a delay?
If you miss your trip due to a delay in public transportation, a vehicle breakdown, or an accident, your Travel Insurance covers up to SAR 1,900 for the hotel and travel costs you need to continue your journey.
Medical and Personal Coverage
What is Personal Accident cover?
If you suffer an accidental injury during your trip that results in death or permanent total or partial disability, your policy provides compensation of up to SAR 100,000, subject to your policy terms.
Some benefits and compensation limits may vary depending on the insured person's age.
What does Emergency Medical Expenses cover?
Your policy covers emergency medical treatment outside Saudi Arabia up to SAR 3,000,000.
This includes:
Emergency medical treatment and hospitalisation.
Medically necessary travel arrangements to return home.
Please note: A SAR 200 excess applies to this benefit.
What is the Medical Inconvenience benefit?
If you're admitted to hospital outside Saudi Arabia due to a covered medical emergency, you'll receive SAR 125 for every complete 24-hour inpatient stay, up to a maximum of SAR 1,900.
This benefit is paid in addition to your covered medical expenses.
Baggage and Personal Belongings
How much baggage cover do I have?
Travel Insurance covers loss, theft, or damage to your baggage and personal belongings, up to SAR 8,000.
What happens if my baggage is delayed?
If your checked baggage is delayed for more than 12 hours, your Travel Insurance covers up to SAR 920 for your essential expenses until your baggage arrives.
Does my policy cover lost or stolen money?
Yes. Your policy covers lost or stolen personal money up to SAR 1,500.
What if I accidentally injure someone or damage their property?
Personal Liability Insurance provides cover of up to SAR 2,000,000, subject to the policy terms and conditions.
Claims, cancellations and renewals
How do I renew my Annual Multi-Trip policy?
Before your policy expires, we'll send you a renewal reminder with a direct renewal link. From there, you can review your plan, upgrade your coverage, update your registered members' details, and complete your renewal and payment online.
How do I submit a claim?
You can submit your claim through your account on tree app or our website by Simply sign in, select your Travel Insurance policy, and follow the steps to submit your claim.
Can I cancel my Travel Insurance policy?
Yes. You can cancel your policy at any time.
Any eligible refund depends on when you request cancellation. Refunds aren't available if there's a paid claim or a claim that's still being reviewed.