Compare Travel Insurance in Saudi Arabia

Live offers

20 live offers compared from 11 providers, from ⃁ 100 /سنة. Updated daily.

What is travel insurance in Saudi Arabia?

Travel insurance covers the financial risks of trips abroad, from emergency medical treatment and hospitalisation to trip cancellation, delays and lost baggage. For residents of the Kingdom travelling overseas, it is often essential: many destinations, including the Schengen area, require proof of medical cover for a visa. Policies are offered through the cooperative (takaful) model and can be arranged per trip or as annual multi-trip cover.

How the Saudi market works

Travel insurance is regulated by the Insurance Authority (IA), which consolidated insurance supervision from the Saudi Central Bank in 2023 and 2024. Cooperative insurers offer standardised, IA-approved policies covering single trips or annual multi-trip travel, with regional or worldwide scope. Cover is commonly purchased for family holidays, business travel and visa applications, and can be bought quickly online ahead of departure. With outbound tourism from the Kingdom rising, insurers have made short online purchases straightforward, and Schengen-compliant policies that meet the minimum medical limit required by European consulates are a common request. Cover for adventure activities, winter sports or higher medical limits can usually be added for trips that need them.

Benefits

Emergency medical cover — Pays for treatment and hospitalisation abroad.

Visa compliance — Meets medical-cover requirements for destinations such as Schengen states.

Trip protection — Covers cancellation, delays and lost or delayed baggage.

Flexible terms — Single-trip or annual multi-trip options with regional or worldwide scope.

How to choose

Match the geographic scope to your destination and the medical cover limit to local healthcare costs, which can be high in some regions. Compare included benefits: medical, cancellation, baggage, and extras like adventure activities if relevant. Check exclusions, particularly around pre-existing conditions, and note whether an annual multi-trip plan is cheaper than several single-trip policies if you travel often. Ensure the policy satisfies any visa requirement.

Leading travel insurance providers in Saudi Arabia

Tawuniya, Al Rajhi Takaful and AlJazira Takaful offer widely used travel cover, alongside Allianz Saudi Fransi, Gulf Insurance Group (GIG), Walaa, ALETIHAD and Malath Insurance. All operate under IA supervision and the cooperative model. Giraffy tracks live travel insurance offers across these providers so you can compare cover levels, scope and contributions for your trip.

What it costs

Contributions on Giraffy range from about SAR 100 to SAR 250, depending on the destination scope, trip length, traveller ages, the medical cover limit and whether it is single-trip or annual. Worldwide cover and higher medical limits cost more, while short regional trips sit lower. If you travel several times a year, an annual multi-trip plan can be better value than repeat single-trip policies.

Protections and regulation

The Insurance Authority licenses insurers, approves policy terms, and oversees claims handling and consumer protection. Standardised cover makes benefits and exclusions transparent. Accurate disclosure of health and trip details keeps a claim valid, and IA rules govern the covered events, limits and exclusions, so you can rely on defined terms when a claim arises abroad. Carrying your policy number and the insurers emergency assistance contact while you travel means you can reach help quickly if you fall ill or have an accident overseas.

Common questions

Do I need travel insurance for a visa? Many destinations, including Schengen states, require proof of medical cover to issue a visa.

Single-trip or annual? Annual multi-trip cover is usually better value if you travel more than a couple of times a year.

Are pre-existing conditions covered? Often excluded or requiring declaration; check the policy terms before you buy.

Does it cover trip cancellation? Many policies include cancellation for insured reasons such as illness, but the covered causes and limits vary, so review that section if cancellation matters to you.

Travel Insurance in Saudi Arabia — FAQ