Travel Insurance in Pakistan: What You Need to Know

Travel Insurance in Pakistan: What You Need to Know

So you’re planning an epic trip to Pakistan and want to ensure you have all your bases covered. Then travel insurance in Pakistan should be on your list. But with so many options, how do you know what coverage you need? The answer depends a lot on the type of trip you have in mind. A basic policy should do the trick if you take a quick city break to Lahore or Islamabad. But if you plan to scale K2 or trek the Karakoram, you’ll want a more comprehensive plan covering emergency evacuation and adventure sports. 

Either way, don’t get caught without coverage in a country where healthcare costs a fraction of what you’re used to back home. Read on to learn what level of coverage is right for your Pakistan adventure and how to find a reputable provider. Pakistan’s breathtaking landscapes and vibrant culture will be even more enjoyable knowing you have the security of travel insurance behind you.

Do I Need Travel Insurance for Pakistan?

Do you need travel insurance for your trip to Pakistan? In short, absolutely. Here are a few reasons why:

  • Healthcare in Pakistan can be expensive. Without insurance, a single hospital visit could cost you thousands. Travel insurance covers emergency medical care, evacuation, and routine doctor visits.
  • Pakistan’s infrastructure isn’t always reliable. Travel delays or cancelations happen, and insurance reimburses you for lost deposits and additional expenses.
  • Petty crimes do occur in Pakistan, especially in crowded tourist spots. Travel insurance covers the loss or theft of baggage, cash, and essential documents like your passport.
  • Pakistan’s mountainous areas are prone to natural disasters. Travel insurance protects you financially during earthquakes, landslides, or flooding.
  • Repatriation of remains is exceptionally costly. Travel insurance includes coverage for the repatriation of remains in the unfortunate event of death overseas.

While the chances of experiencing any issues in Pakistan are small, travel insurance gives you peace of mind in case the unforeseen happens. For a few dollars a day, it’s worth the investment. Compare plans from companies like World Nomads, SafetyWing, and Berkshire Hathaway Travel Protection for the best coverage and value.

Have a great trip to Pakistan! With the proper precautions taken, it can be a wonderfully rewarding destination.

Travel Insurance in Pakistan For Northern Areas of Pakistan

Travel Insurance in Pakistan For Northern Areas of Pakistan


What Does Travel Insurance Cover in Pakistan?

So you’re headed to Pakistan for a fantastic adventure. Smart move getting travel insurance—you’ll have peace of mind if anything goes wrong. But what exactly does travel insurance cover in Pakistan?


 Most policies will reimburse you for medical expenses if you get sick or injured on your trip including hospital stays and medication. This is especially important since healthcare in Pakistan can be pricey for foreigners.

Travel insurance also covers trip cancelation or interruption. If you have to cut your trip short for an emergency back home or a medical issue, your policy will refund you for any unused travel costs. The same goes if you have to cancel before departing.


Lost or delayed baggage is another common claim. If the airline loses your bags or they’re delayed for over 12 hours, your policy will help reimburse you for essential items like clothing and toiletries.


Missed connections or flight delays happen too. Your policy will pay for additional transport and accommodations to get you to your destination if a flight delay causes you to miss a connecting flight or arrive more than 12 hours late.

Travel Insurance in Pakistan: What You Need to Know

Flight Delayed Insurance in Pakistan


Other useful coverage includes emergency evacuation in case of a natural disaster or political unrest, accidental death or dismemberment benefits in the event of a tragic accident, and coverage for lost or stolen cash, bank cards, or travel documents.


When choosing a policy for Pakistan, look for one that covers emergency medical up to at least $50,000, trip cancelation up to your total trip cost, and baggage up to $1,000. Read reviews from other travelers and consider extras like 24-hour assistance services. Most of all, have a fantastic trip—and I hope the only claim you have to make is for a delayed bag!

The Best Travel Insurance Companies for Pakistan

When planning your trip to Pakistan, purchasing travel insurance should be high on your list. Some of the best companies for policies geared explicitly toward travel in Pakistan include:

World Nomads

World Nomads is a popular choice for adventure travelers and covers various activities. Their standard policy includes coverage for emergency medical expenses, trip cancelation or interruption, baggage loss or delay, and more. Like most companies, you can add coverage for high-risk sports or activities. They have 24/7 emergency assistance, and online claim filing can be done.

Travel Guard

Travel Guard offers comprehensive policies for travel to Pakistan at affordable prices. Their plans come in three tiers based on the level of coverage you need. All include standard medical coverage, baggage loss or delay, and trip cancelation. Upgrade to higher tiers for coverage of high-risk activities, accidental death or dismemberment, and “cancel for any reason.” They have a simple claims process and multi-lingual customer support.

AIG Travel Guard

AIG is one of the largest insurance providers in the world, so you know you’ll be in good hands. Their Pakistan travel insurance plans to offer robust medical coverage, including emergency medical evacuation, 24-hour assistance, and coverage for pre-existing conditions. Additional benefits include generous limits for baggage loss/damage and generous coverage if you need to cancel or interrupt your trip for covered reasons. AIG is best for maximum coverage and security.

No matter which company you choose, disclose any pre-existing medical conditions to avoid issues with claims down the road. Compare plans and pricing across companies to find the right balance of coverage for your needs and budget. With the proper travel insurance before your trip, you can rest assured you’ll be protected in unforeseen circumstances. 

Buy the Best Travel Insurance in Pakistan:

Before applying for travel insurance, it is essential to understand its advantages.


This is a great advantage for young travelers traveling for the first time because of the security provided by travel insurance. It can make the traveler’s journey comfortable and worry-free.

Travel Insurance in Pakistan: What You Need to Know

Best Travel Insurance in Pakistan that cover all your expense


Because unfortunately, we’re not sure what will happen if travelers get injured, sick, or poisoned while on the road. Travel insurance is ready to provide medical coverage for people. Medical insurance will cover all expenses abroad to ensure the traveler’s health.


Traveling abroad can be expensive, but don’t worry; travel insurance is ready to help you in every way. Imagine a scenario where all flights booked by a traveler and hotel reservations are canceled. In such a catastrophe, how do travelers get their money back? Who is in charge? Traveling abroad with travel insurance will save you from all these problems and accidents. Travel insurance will help you get all your money back. 


 Apply for Pakistan Travel Insurance | Travel Insurance Rates for Pakistan:

As we all know, this global network connects the world under one umbrella. Applying for travel insurance in Pakistan is a minor deal. Just search for travel insurance sites on Google or another search browser. Finding the best travel insurance plan that meets all your requirements is necessary. Travel Insurance from Pakistan to Turkey and Travel Insurance from Pakistan to the USA can also be easily purchased from their website.

Each site has different rates and options for travel insurance, and one site may offer a free ancillary service while another may provide you with the best price; not only can you buy travel insurance for yourself, but purchase travel insurance for your family and group. These websites also provide you with travel insurance for Pakistan Schengen Visa.


Travel Insurance in Pakistan: What You Need to Know

Travel Insurance in Pakistan For Other Countries


Once you have the appropriate travel insurance website, click the option offering online ticketing services. Once you click the button, you will be asked to provide information such as type of trip, number of days, traveling alone or with family, and other information. After going through all these processes and buying your ticket, you must pack your bags and head to your destination.

Some travel insurance services in Pakistan can help you get the perfect trip.

  1. Jubilee Travel Insurance in Pakistan
  2. Adamjee Pakistan Travel Insurance
  3. Universal Pakistan Travel Insurance
  4. StateLife Pakistan Travel Insurance
  5. IGI’s Travel Insurance
  6. EFU Travel Insurance
  7. Atlas Travel Insurance
  8. TPL Travel Insurance
  9. Habib Travel Insurance 
  10. UBL Travel Insurance

How Much Does Travel Insurance for Pakistan Cost?

The cost of travel insurance in Pakistan can vary depending on the level of coverage you choose. Typically, you can expect to pay between $200 and $500 for a standard policy covering emergency medical expenses, trip cancelation, lost bags, and other basics. The exact price will depend on factors like:

Your Trip Details

Your trip’s length and total cost are key in determining your premium. A shorter trip may cost $200, while insurance for a 3-week trip could be $350 or more. The total value of your trip also matters, as higher coverage limits cost more.

Your Age and Health

Insurance companies view older travelers and those with pre-existing medical conditions as riskier, so their premiums are often higher. If you’re over 65 or have a condition like heart disease, you may pay $50-$100 more for a policy. Some insurers may exclude pre-existing conditions, so check the policy details.

Add-On Coverage

Want coverage for adventure sports or “cancel for any reason”? Add-ons like these typically cost an additional $50-$200. The specific activities and options you choose will determine the final add-on cost.

Travel Insurance in Pakistan: What You Need to Know

What You Need to Know about travel insurance in Pakistan


Comparison Shopping

Compare quotes from different companies to get the best deal. Some recommended insurance providers for Pakistan include:

  • World Nomads – Popular budget option with coverage starting around $200. They cover a wide range of activities and medical expenses up to $100K.
  • IMG Travel Insurance – Mid-range prices from $250-$500. They offer high coverage limits, including for medical evacuation and terrorism. Excellent for long or expensive trips.
  • Allianz Travel Insurance – Typically higher, from $350-$700 for a multi-week trip. They are a reputable company with comprehensive policies that provide peace of mind.

With some comparison shopping between providers, you can find an affordable policy to suit your needs. Paying more for the right coverage can give you the security and comfort to enjoy your trip to Pakistan fully.

FAQs: Common Questions About Pakistan Travel Insurance

Do I need travel insurance for Pakistan?

Short answer: yes. Travel insurance provides essential coverage in case of unforeseen events during your trip. For a destination like Pakistan, it’s especially important. Things to consider:

  • Medical care in Pakistan can be expensive for foreigners. Travel insurance covers emergency medical treatment and evacuation if needed.
  • Pakistan’s infrastructure is still developing. Road conditions and vehicle safety standards may be poor, increasing the chance of accidents. Insurance provides coverage for emergency medical transport and repatriation of remains.
  • Political instability and security issues are ongoing concerns in parts of Pakistan. Insurance provides coverage in case of events like terrorism, civil unrest, or natural disasters interrupting your trip.
  • High-value items are at risk of theft or loss during travel. Insurance covers lost, stolen, or damaged baggage, documents, and other belongings.


Travel Insurance in Pakistan: What You Need to Know

Travel Insurance  in Pakistan for Northern Areas


What should I look for in a Pakistan travel insurance policy?

Look for a policy that provides at least $50,000 in medical coverage and $500,000 in emergency medical evacuation. Make sure it covers the following:

  • Hospitalization and outpatient treatment
  • Emergency dental treatment
  • Repatriation of remains
  • Baggage loss, theft, or damage
  • Trip cancelation or interruption
  • 24/7 emergency assistance services

Also, check if pre-existing conditions, adventure sports, and trekking above certain altitudes are covered. Compare quotes from different companies to balance good coverage and fair premiums.

Do I need any vaccinations or visas for Pakistan?

Several routine vaccinations are recommended for Pakistan, like hepatitis A and B, typhoid, and polio. You will also need a valid visa to enter Pakistan, which you must obtain before travel. The process can take several weeks, so start early.

Travel Insurance in Pakistan: What You Need to Know

Book a Tour to Pakistan with Best Travel Insurance in Pakistan



So there, you have everything you need to know about travel insurance in Pakistan. While travel is always an adventure, you want to ensure you’ve covered your bases in case the unexpected happens. Compare policies, understand exclusions, and determine what level of coverage gives you peace of mind for your budget.


Traveling should be an exciting experience, not one filled with worry over potential medical bills or lost baggage. Do your research, find a reputable provider, and get out there to enjoy all the beauty Pakistan has to offer, knowing you have a safety net in place. The memories you’ll make will be well worth the small investment in an insurance policy. Now stop worrying and explore! The open road is calling your name.


Saba Ghani
Saba Ghani

Since 2017, Saba Ghani has been serving as the talented and dedicated chief content writer for Pakistan Tour and Travel & EMHI Solutions. With her exceptional writing skills and in-depth knowledge of the travel industry, she has been instrumental in crafting engaging and informative content that captivates the audience. You can catch her at [email protected] or Twitter

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