Best Umrah Travel Insurance Options (Coverage, Price & How to Choose in 2025)

For many Muslims around the world, performing Umrah is a deeply meaningful spiritual journey. But like every form of international travel, it comes with uncertainties—flight delays, lost luggage, sudden illness, and unexpected emergencies. Having reliable Umrah travel insurance ensures peace of mind and financial protection throughout your pilgrimage.

In 2025, more travelers are choosing comprehensive coverage, especially because Saudi Arabia has tightened certain entry requirements and health guidelines. This guide will help you understand the best Umrah travel insurance options, what each provider covers, how much you should expect to pay, and how to choose the right plan.

Why Umrah Travelers Need Insurance

Travel to Saudi Arabia for Umrah involves multiple risk factors. Insurance ensures that your journey is protected from both financial and medical complications.

Key reasons Umrah travelers buy travel insurance:

• Sudden illness or medical emergencies

• Flight delays or cancellations

• Lost or damaged luggage

• Emergency evacuation

• COVID-19 or infectious disease treatment

• Missed pilgrim services and hotel bookings

• Passport loss and document assistance

Imagine traveling after planning for months, only to have your luggage lost during transit to Jeddah or Madinah. Or falling ill during tawaf. With insurance, you can focus on your ibadah while staying protected financially.

Top 7 Umrah Travel Insurance Providers in 2025

(Selected based on coverage, reliability, claim speed, and pilgrim-friendly benefits)

Below are the best companies offering high-quality Umrah travel insurance for 2025. Each provides medical coverage in Saudi Arabia, with additional protections for common travel issues.

1. Allianz Travel Insurance

A global leader known for excellent international medical coverage.

Why it’s recommended:

• High medical emergency limits (USD 50,000–500,000)

• Fast claims process

• Strong global support network

• Covers older pilgrims up to age 75+

Best for:

Pilgrims who want maximum medical protection and reliable worldwide assistance.

2. AXA Travel Smart (AXA Gulf & International)

AXA is one of the most popular insurers for Umrah due to its coverage breadth.

Key benefits:

• Medical cover up to USD 100,000

• Covers COVID-19 treatment

• Luggage & loss protection

• Affordable pricing for families

Best for:

General Umrah travelers who want balanced coverage at a good price.

3. Saudi Arabia Mandatory Insurance (Through Visa System)

Every Umrah visa includes mandatory basic insurance, issued by Saudi insurers.

What it covers:

• Emergency medical treatment

• Accidents & injuries

• COVID-19 treatment

• Emergency repatriation

Limitations:

• Very basic coverage

• Doesn’t cover luggage, cancellations, or flight issues

• Not suitable alone—pilgrims still need extra protection

Best for:

Minimal mandatory coverage (should be combined with another plan).

4. Chubb Travel Insurance

Known for strong business travel coverage, excellent for international trips like Umrah.

Strengths:

• High hospitalization and medical evacuation limits

• Flight delay compensation

• Covers expensive electronics

• Strong regional presence in Asia & Middle East

Best for:

Travelers bringing valuable items (cameras, electronics, laptops).

5. Tokio Marine HCC

A reliable provider with flexible pricing for Middle East travel.

Benefits:

• Medical cover up to USD 250,000

• Accidental death/disablement coverage

• Good for senior pilgrims

• Fast and digital claim system

Best for:

Older pilgrims or those wanting broader medical protection.

6. Zurich International Travel Insurance

Well-known in Europe and Middle East, with comprehensive options.

Coverage highlights:

• Trip cancellation reimbursement

• Luggage & personal item protection

• 24/7 global emergency hotline

• Covers family groups

Best for:

Families traveling together for Umrah.

7. Takaful-Based Insurance (Islamic Insurance Companies)

For pilgrims who prefer Shariah-compliant options, Takaful insurance is ideal.

Popular Takaful providers include:

• Salam Takaful

• Etihad Takaful

• Takaful Emarat

• SABB Takaful

What makes it unique:

• Mutual shared risk model

• Fully Shariah-compliant

• Coverage similar to conventional insurance

Best for:

Pilgrims who prioritize Islamic financial principles.

Umrah Travel Insurance Price Range in 2025

Prices vary depending on age, country, duration, and coverage limits. Below are average ranges:

Standard Coverage (7–12 days)

• USD 25–45

• Coverage: basic medical + flight delays

Mid-Level Coverage

• USD 50–90

• Coverage: medical, luggage, delays, cancellation

Premium Coverage

• USD 100–180

• Coverage: high medical limits, evacuation, electronics, cancellation

Senior Pilgrims (Age 65–80)

• USD 90–250 depending on health and provider

Family Plans

• USD 100–350 for 3–6 family members

What Should Umrah Insurance Cover? Essential Checklist

For Umrah travelers, make sure your policy includes these protections:

✔ Medical emergency coverage (min. USD 50,000)

✔ Hospitalization & ambulance

✔ Lost luggage protection

✔ Flight delay/cancellation compensation

✔ Emergency evacuation & repatriation

✔ Assistance with lost passport

✔ COVID-19 or infectious disease treatment

✔ Personal liability protection

These are the most common issues pilgrims face—and the most expensive without insurance.

How to Choose the Best Umrah Travel Insurance

To select the right policy, consider:

1. Your age & health condition

Older pilgrims need higher medical limits.

2. Your flight route

Longer routes (Europe/US–Jeddah) increase chances of lost luggage.

3. Your hotel & package type

If your package is expensive, choose a plan that reimburses cancellations.

4. Length of stay

Long-duration trips require more comprehensive plans.

5. Where you are coming from

US, UK, Malaysian, Indonesian, and Gulf travelers have different plan options.

Common Mistakes to Avoid

Many pilgrims unknowingly make these errors:

• Relying only on Saudi mandatory insurance

• Ignoring pre-existing conditions

• Choosing the cheapest plan without checking limits

• Forgetting to insure expensive items like phones or cameras

• Buying insurance too late (after a flight issue happens)

In 2025, having the right Umrah travel insurance is not just recommended—it is essential for safety, peace of mind, and financial protection. With the right plan, you can focus on the most important part of your journey: your worship.

Choosing a reliable insurer ensures that your pilgrimage remains smooth, safe, and spiritually fulfilling, regardless of unexpected events.

Related Article:
>> Complete Umrah Guide for First-Time Pilgrims (2025 Edition)
>> Review of Hotels with Kaaba / Haram View
>> How Much Does Umrah Cost in 2025? (Complete Budget Breakdown)
>> Best Umrah Travel Insurance Options
>> How to Plan a 5-Day Umrah Itinerary (Step-by-Step Guide)
>> 7 Best Kaaba-View Hotels in Makkah
>> The Difference Between Hajj and Umrah: Tracing Their Historical Roots