By Anas Mistareehi

Across the Middle East, travel has become more than a seasonal trend, it’s a lifestyle. Families are exploring new destinations, young professionals are booking last-minute trips, and regional residents are traveling more frequently than ever before. With this rise in mobility comes a natural question: How do we protect ourselves when things don’t go as planned?

Travel insurance used to be an afterthought, something people added to the last step of booking. Today, it has become an essential part of any trip, and travellers are far more conscious of what they’re buying. But with dozens of products in the market, it’s not always easy to understand which plan provides value and which one leaves gaps.

As someone who has spent years studying how insurance interacts with real traveller behaviour, I’ve seen the difference between policies that genuinely protect people and those that simply tick a box. Choosing the right travel insurance isn’t about choosing the cheapest option, it’s about choosing the right one, stated Anas Mistareehi, Founder & CEO of eSanad .

Here are the key areas every traveller should evaluate before confirming their policy:

1. Emergency Medical Coverage

Medical emergencies abroad can be overwhelming, both emotionally and financially. Your policy’s medical limit is the backbone of your insurance. Always check the maximum coverage amount, whether it includes hospitalisation, emergency treatment, and whether pre-existing conditions are mentioned. A strong medical benefit can make the difference between a disrupted holiday and a manageable situation.

2. Coverage for Lost Travel Documents

Losing a passport or important travel papers can instantly derail a trip. Not all plans cover document loss, and those that do may differ in how they reimburse the cost or assist with replacements. Look for a policy that offers practical support, not just financial reimbursement.

3. Baggage Loss or Damage

Airports are getting busier, and misplaced luggage remains a common frustration. A good policy should cover loss, theft, and significant delays. Even a small delay can help you manage essentials until your bag reappears.

4. Travel Interruptions and Delays

Flight disruptions have become more frequent globally. A comprehensive plan should protect you from unexpected delays, cancellations, missed connections, and hotel rebooking. These features are often underestimated until they’re urgently required.

5. Repatriation Benefits

While no one likes to think about worst-case scenarios, repatriation coverage is essential. It ensures that, in the event of a death, the necessary arrangements are covered and handled with dignity. Understanding the financial limits and the level of coordination provided can bring peace of mind, especially for travellers with families.

A More Transparent Travel Experience

The shift toward digital solutions has made it easier for travellers to compare plans, understand their coverage, and make claims without unnecessary stress. Platforms that prioritise transparency and simplicity are reshaping how people approach insurance. They help travellers focus on enjoying their journey, knowing they’re protected by a policy they understand not one buried in fine print.

As regional travel continues to expand, choosing the right insurance becomes less about obligation and more about empowerment. When travellers know what to look for medical coverage, document protection, baggage benefits, interruptions, and repatriation, they can make decisions that support the trip they envisioned. After all, travel should be about discovery and experience, not worry, concluded Mistareehi.