How To Get Travel Insurance In Pakistan?

Whether you’re planning a quick domestic getaway or an international adventure, one thing that often gets overlooked is travel insurance. It might not seem exciting but it can be a real lifesaver when plans go sideways. From lost luggage to emergency medical care abroad, travel insurance offers peace of mind and financial protection that every traveler should consider.

In this guide, you’ll learn exactly what travel insurance covers, how it works, when you need it, and how to choose the right plan for your needs. Let’s make sure you’re covered before you take off.

How to Buy Travel Insurance?

If you’re ready to get covered, follow these simple steps:

Step 1: Assess Your Needs

Are you traveling internationally? Is your trip refundable? Do you have pre-existing health conditions? Your answers will shape the type of coverage you need.

Step 2: Compare Policies

Use comparison sites like Squaremouth, InsureMyTrip, or travel insurance sections of airlines. Look at coverage limits, exclusions, deductibles, and customer reviews.

Step 3: Read the Fine Print

Understand what’s included, what’s not (like adventure sports), and what documentation you’ll need if you file a claim.

Step 4: Buy the Policy

Purchase through a trusted provider or booking platform. You typically need to buy coverage within 14–21 days of your initial trip payment to access benefits like Cancel for Any Reason (CFAR).

Step 5: Keep Copies and Emergency Numbers

Always carry a digital and printed copy of your policy, and note the 24/7 emergency assistance number. Also, read Which Schengen visa is easy from Pakistan?

What Is Travel Insurance?

Travel insurance is a policy designed to protect you financially from unexpected problems that may occur before or during your trip. These could include:

• Trip cancellation or interruption

• Medical emergencies while abroad

• Lost, stolen, or delayed baggage

• Travel delays

• Evacuation or repatriation services

Depending on the provider and plan, coverage varies but the core idea is to protect your investment and well-being while traveling.

Why You Need Travel Insurance

Even the best travel plans can hit a snag. Travel insurance helps you avoid costly setbacks and gives you access to 24/7 support during emergencies.

Here are some real-world scenarios where travel insurance proves invaluable:

• You fall ill while abroad and need hospital care.

• A family emergency forces you to cancel your prepaid vacation.

• Your flight is canceled, and you’re stranded overnight.

• Your suitcase disappears en route to your destination.

Without coverage, these situations can result in thousands of dollars in losses. With travel insurance, you’re reimbursed or assisted according to your plan’s terms.

Top Providers of Travel Insurance in Pakistan

Several local and international companies offer travel insurance tailored for Pakistani citizens. Some of the trusted providers include:

UIC Travel Insurance

United Insurance Company (UIC) offers travel insurance plans for Pakistani travelers going abroad for leisure, business, study, or religious purposes. Their policies meet the requirements for Schengen, Hajj, and Umrah travel, providing coverage for emergency medical expenses, trip delays, baggage loss, and personal accident benefits. UIC travel insurance is approved by multiple embassies and is available in both single-trip and annual multi-trip formats. Coverage limits can go up to USD 100,000, and policies can be purchased easily through travel agents or directly from UIC’s branches and website.

Adamjee Travel Insurance

Adamjee Insurance is one of Pakistan’s leading insurance providers and offers comprehensive travel insurance solutions tailored to various types of travelers including tourists, students, and pilgrims. Their policies provide benefits such as emergency medical care, repatriation, trip cancellation, and loss of baggage. Adamjee is well-known for its Hajj and Umrah travel insurance, which is mandatory for pilgrims. They also offer online policy issuance and competitive premiums, making them a trusted choice for visa applications to Schengen and GCC countries.

EFU Travel Insurance

EFU General Insurance offers a wide range of travel insurance products for Pakistani citizens traveling abroad. Their international travel insurance plans are Schengen-compliant and include coverage for medical emergencies, accidental death, trip interruption, and loss of travel documents. EFU also provides special coverage options for business travelers and Hajj/Umrah pilgrims. With coverage amounts ranging from USD 25,000 to USD 100,000, EFU’s travel insurance is available online, through authorized agents, and at EFU branch offices across Pakistan.

Allianz Travel Insurance

Allianz is a globally recognized insurance provider that also serves Pakistani travelers through its local and international platforms. Allianz travel insurance is particularly known for its comprehensive global coverage, including 24/7 emergency assistance, high medical coverage limits (up to USD 1 million in some cases), and access to a wide international hospital network. Pakistani travelers can purchase Allianz policies online or through travel partners. While generally priced higher than local insurers, Allianz is ideal for frequent or long-term travelers seeking broad protection and reliable claim support across multiple countries.

You can buy these policies either online, through travel agents, or by visiting insurance company branches.

What Does Travel Insurance Typically Cover?

Most travel insurance plans are customizable, but here’s what a standard comprehensive policy usually includes:

1. Trip Cancellation/Interruption

Reimburses prepaid, non-refundable costs if you must cancel or cut short your trip for a covered reason (e.g., illness, injury, death in the family).

2. Emergency Medical and Dental Coverage

Covers medical expenses incurred during your trip. This is crucial if you’re traveling internationally, as most health insurance policies (including Medicare) won’t cover you abroad.

3. Emergency Medical Evacuation

Pays for transport to the nearest hospital or return to your home country if medically necessary.

4. Baggage Loss/Delay

Compensates for lost, stolen, or delayed luggage and personal belongings.

5. Travel Delay

Reimburses expenses such as meals, lodging, and transportation if your travel is unexpectedly delayed.

How to Choose the Right Travel Insurance Plan

Not all travel insurance policies are created equal. The best policy for you will depend on your travel destination, age, health condition, and the nature of your trip. Here’s what to look for when making your choice:

Medical Coverage Limits

Make sure the medical coverage limit is at least USD 30,000 for Schengen travel (as required for visa applications). For travel to countries like the USA or Canada, aim for USD 50,000 to USD 100,000 in coverage due to high healthcare costs.

Trip Duration and Multiple Trips

If you travel frequently (especially for business), consider an annual multi-trip policy. This is more cost-effective than purchasing single-trip insurance each time.

Some Pakistani insurers offer reduced coverage or increased premiums for travelers over 60. Choose a provider with senior-friendly plans if you’re traveling with elderly parents.

Pre-existing Conditions

If you have chronic conditions like diabetes, heart issues, or asthma, confirm whether pre-existing medical conditions are covered. Some plans exclude them unless disclosed and accepted beforehand.

Adventure or High-Risk Travel

Planning activities like skiing, scuba diving, or trekking? You’ll need an add-on or specialized adventure travel insurance—not all standard plans cover high-risk activities.

Frequently Asked Questions

Travel insurance in Pakistan is more accessible and affordable than ever. Whether you’re heading for leisure, business, or religious travel, the protection it offers can make all the difference when unexpected events arise. From minor inconveniences to major emergencies, having a safety net gives you confidence to travel without worry.