Travel Insurance for Pakistani Travelers

Heading abroad? Most visa applications demand proof you're covered for medical emergencies, trip cancellations, and lost luggage. Compare every policy available to Pakistani travelers—sorted by destination, duration, and price.

Why Travel Insurance Matters More Than You Think

Most Pakistanis buy travel insurance only because embassies require it. But here's what happens if you skip proper coverage:

  • Medical bills in Europe or North America run thousands of euros/dollars per day. A three-day hospital stay in Paris could cost more than your entire trip budget.
  • Schengen visa officers reject applications with insufficient coverage. They want proof you're insured for at least €30,000.
  • Trip cancellations (flight delays, family emergencies) leave you eating non-refundable hotel costs.
  • Lost luggage? Airlines reimburse slowly—if at all. Insurance pays faster.

Pakistani insurers and takaful operators offer plans tailored to common destinations: Europe (Schengen), USA/Canada, UAE, and worldwide coverage. Rates vary by trip length, traveler age, and coverage limits. KarloCompare shows you every option so you're not overpaying—or underinsured.

Types of Travel Insurance Coverage

Schengen Visa Insurance

Who needs it: Anyone applying for a visa to Austria, Belgium, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Slovakia, Slovenia, Spain, Sweden, and Switzerland.

Minimum coverage: €30,000 for medical emergencies

What's included: Emergency medical treatment, repatriation, emergency dental, trip cancellation

Average cost: PKR 2,500 - 8,000 depending on duration (5 days to 90 days)

Worldwide Coverage

Who needs it: Travelers heading to multiple countries or non-Schengen destinations like UK, Australia, China, Japan, Southeast Asia.

Coverage limits: Usually $50,000 - $100,000 USD

What's included: Medical emergencies, baggage loss, trip delays, personal liability

Average cost: PKR 3,000 - 12,000 for 1-3 months

Pro tip: If visiting both Schengen and non-Schengen countries, buy worldwide—it's cheaper than two separate policies.

USA / Canada / Australia

Who needs it: Travelers to high-cost healthcare countries where a single ER visit can exceed $5,000 USD.

Coverage limits: Minimum $50,000, recommended $100,000+

What's included: Emergency medical, ambulance, hospitalization, medical evacuation

Average cost: PKR 5,000 - 15,000 for 2-4 weeks

Warning: Pre-existing conditions (diabetes, heart issues) often require upgraded plans.

How Long Should Your Policy Last?

Pakistani insurers sell plans by duration. Buying too short means you're uncovered if your return flight gets delayed. Buying too long wastes money.

Short Trips (5-14 days)

Perfect for quick business trips or long weekends in Dubai. Rates start around PKR 2,000. Cover includes medical emergencies and baggage loss.

Standard Trips (15-30 days)

Most leisure travelers fit here. Europe tours, Umrah trips, family visits abroad. Expect PKR 4,000 - 7,000 depending on destination and age.

Extended Trips (31-90 days)

Students, long-term visitors, or multi-country travelers. Rates climb to PKR 10,000 - 15,000. Annual multi-trip policies sometimes cost less if you travel frequently.

Annual Multi-Trip

Travel three or more times per year? Annual plans cover unlimited trips (each up to 30-60 days). Costs PKR 15,000 - 25,000 but saves money versus buying separate policies.

Individual vs. Family Plans

Individual Coverage

Covers one traveler. Simplest option if you're flying solo or traveling with others who already have their own policies.

  • Pricing based on your age (under 40 = cheaper)
  • Coverage tailored to your specific destination
  • Fastest to purchase (online applications take 10 minutes)

Family Plans

Covers 2 adults + up to 3 children under 18. Costs less than buying four individual policies.

  • One application covers everyone
  • Children often included at no extra charge
  • Ideal for family vacations to Europe, Turkey, or UAE

Pro tip: If kids are under 5, some insurers wave child premiums entirely. Always ask.

What's Usually Covered (And What's Not)

✓ Typically Covered

  • Emergency medical treatment
  • Hospital admission
  • Ambulance services
  • Repatriation (medical evacuation home)
  • Trip cancellation (if provider goes bankrupt)
  • Lost or delayed baggage
  • Flight delays over 6-12 hours
  • Emergency dental (up to a limit)
  • Personal liability (if you damage property)

✗ Usually NOT Covered

  • Pre-existing medical conditions (unless declared and paid for)
  • Adventure sports (skydiving, scuba diving without certification)
  • Pregnancy-related issues after 28 weeks
  • Alcohol or drug-related incidents
  • Mental health crises (some plans exclude)
  • Non-emergency treatment (routine checkups)
  • Travel to war zones or sanctioned countries
  • Losses due to your own negligence

Top Travel Insurance Providers in Pakistan

EFU Life Assurance

One of Pakistan's oldest insurers. Offers Schengen-compliant plans starting PKR 3,200 for 15 days. Strong reputation with embassies.

Jubilee Life Insurance

Covers worldwide destinations. Family plans available. Processing time: 24-48 hours. Good customer service track record.

Adamjee Insurance

Competitive rates for USA/Canada trips. Offers annual multi-trip policies. Online purchase available through their portal.

Pak-Qatar Takaful

Shariah-compliant alternative. Covers Schengen, worldwide, and Umrah trips. Rates similar to conventional insurers.

Common Questions About Travel Insurance

Do I need travel insurance if I have a credit card that includes it?

Check your card's terms carefully. Many Pakistani credit cards offer minimal coverage (around $10,000) which won't satisfy Schengen visa requirements. You'll likely need a standalone policy.

Can I buy insurance after booking my flight?

Yes, but buy it at least 7-10 days before departure. Last-minute purchases may exclude trip cancellation coverage.

What if my trip gets extended unexpectedly?

Most insurers allow policy extensions if you contact them before the original end date. Expect to pay pro-rata for extra days.

How do I file a claim while abroad?

Keep all receipts (medical bills, police reports for theft, etc.). Contact your insurer's 24/7 helpline immediately. Most Pakistani insurers have tie-ups with international assistance networks.

Is takaful (Islamic insurance) accepted for Schengen visas?

Yes. Embassies care about coverage limits and policy terms, not whether it's conventional or takaful. Pak-Qatar and other takaful providers issue Schengen-compliant certificates.

Smart Tips for Buying Travel Insurance

  • Buy early. Prices don't change, but trip cancellation coverage only works if you buy before something goes wrong.
  • Read the medical limits. €30,000 is minimum for Schengen; go higher if visiting expensive countries.
  • Declare pre-existing conditions. Lying voids your policy. Pay the extra premium if you have diabetes, hypertension, etc.
  • Check the helpline number. Make sure your insurer has 24/7 English-speaking support reachable from abroad.
  • Screenshot your policy. Save a PDF on your phone. Embassies and hospitals may ask for proof on the spot.
  • Compare deductibles. Lower premiums often mean higher deductibles (the amount you pay out-of-pocket first).

Ready to Compare Travel Insurance?

Stop guessing which policy meets your visa requirements. See every travel insurance option for Pakistani travelers—sorted by destination, duration, and price.

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