Travel Insurance Guide from Saudi Arabia 2026
Compare the best Saudi travel insurance companies, Schengen visa coverage, medical care, and COVID-19 coverage.
Coverage Types
Emergency Medical Care
Covers emergency treatment costs at hospitals, doctors, medications, and ambulance.
Trip Cancellation & Delay
Compensation for trip cancellation or delay due to emergencies or illness.
Schengen Visa
Schengen visa-approved travel insurance policy with coverage of at least €30,000.
Pre-existing Conditions
Some companies cover complications of chronic conditions in emergencies only.
Insurance Companies Comparison
| Company | Rating | Schengen | Medical | COVID-19 | From |
|---|---|---|---|---|---|
🛡️ Tawuniya (التعاونية) Largest Saudi insurer, Schengen-approved, coverage up to €100,000 | 4.5 ⭐ | 85 SAR | |||
🏥 Bupa Arabia (بوبا) Specialized in health insurance, excellent chronic disease coverage, Schengen-approved | 4.7 ⭐ | 120 SAR | |||
🌍 Medgulf (ميدغلف) Competitive pricing, comprehensive emergency treatment, Schengen-approved | 4.2 ⭐ | 75 SAR | |||
✈️ Walaa Insurance (ولاء) International travel coverage, 24/7 service, Schengen-approved | 4 ⭐ | 80 SAR | |||
💙 AXA Cooperative (أكسا) Excellent global coverage, wide medical network, Schengen & US approved | 4.6 ⭐ | 110 SAR |
⭐ 4.5
Largest Saudi insurer, Schengen-approved, coverage up to €100,000
⭐ 4.7
Specialized in health insurance, excellent chronic disease coverage, Schengen-approved
⭐ 4.2
Competitive pricing, comprehensive emergency treatment, Schengen-approved
International travel coverage, 24/7 service, Schengen-approved
Excellent global coverage, wide medical network, Schengen & US approved
Tips Before Buying
Ensure the policy covers your entire trip duration with a margin.
Check the medical coverage limit — Schengen requires minimum €30,000.
Read exclusions carefully — some policies exclude extreme sports.
Keep the company emergency number and carry the policy digitally and physically.
Declare any chronic conditions before purchase to avoid claim rejection.
Ensure medical repatriation to your home country is covered in emergencies.
Schengen Visa Insurance Requirements
- • Coverage of at least €30,000 (~SAR 125,000)
- • Valid in all Schengen area countries
- • Covers emergency medical treatment and repatriation
- • Covers the entire duration of the visa stay
- • Must be issued by an approved company
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