Many standard travel insurance policies treat "visiting friends and relatives" trips differently from holidays, and some exclude claims if you're staying with family rather than in a hotel. Always check the policy wording rather than assuming a generic annual policy covers this trip type. For Umrah specifically, confirm the policy explicitly covers pilgrimage travel, as some standard policies exclude it by default.
Three wording checks matter most on these routes. First, trip length: extended family stays often run past the per-trip day limit buried in annual policies. Second, pre-existing conditions: cover for older travellers is only valid if conditions were declared, and an undeclared condition is the most common reason a large medical claim fails. Third, valuables: wedding and gift jewellery routinely exceeds the per-item limit on a standard policy, so check the cap before assuming it's covered in your luggage.
Buy the policy when you book the trip, not when you fly. Cancellation cover starts from the purchase date, and insurance bought the week before departure has spent months not protecting the money you'd already committed. It's a detail that costs nothing to get right and is the difference between a refunded trip and a lost one if plans change.