Compare travel insurance for Pakistan

Owing to recent security concerns, a trip to Pakistan should be taken with a safety-first approach. Here’s how to find and compare Pakistan travel insurance that can help you get on and enjoy this vast country, which is packed with natural and cultural riches.

Owing to recent security concerns, a trip to Pakistan should be taken with a safety-first approach. Here’s how to find and compare Pakistan travel insurance that can help you get on and enjoy this vast country, which is packed with natural and cultural riches.

Josh Daniels
From the Travel team
4
minute read
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Posted 01 FEBRUARY 2021

Why do I need travel insurance for Pakistan?

Travel insurance is important wherever you go, but that’s especially true if you’re visiting Pakistan. The Foreign and Commonwealth Office (FCO) is clear on the importance of getting comprehensive travel insurance before a trip to this South Asian country. Look for a travel insurance policy with:

  • Medical cover: The standard of healthcare is inconsistent in Pakistan, and isn’t free for visitors. Travel insurance could cover the high cost of medical bills if you get sick or are injured while you’re away.
  • Cancellation and curtailment cover: This could reimburse you if you need to cancel or cut short your holiday for a reason stated in your policy (for example, a family bereavement). That’s why it’s important to get travel insurance as soon as you book your trip.
  • Terrorism cover: Many standard travel insurance policies don’t cover events related to terrorism, so be sure to check your policy wording with care. The FCO website has up-to-date advice on trips to the country.

Pakistan isn’t free from crime, so you’ll want to make sure your belongings are covered if they’re stolen – or lost or damaged. Think about how much your belongings are worth and make sure your policy offers enough cover. Check the single item limit too.

Once you’ve got a policy that meets your needs, make sure you keep your provider’s details with you in case you need to contact them while you’re away.

CORONAVIRUS UPDATE 

The travel traffic light system currently states that trips to green and amber listed countries are legally permitted if you live in England and Scotland. If you live in Wales and Northern Ireland, you still need to follow the rules for your relevant government.

Please note: from 4am on 4 October 2021, the current traffic light system will be replaced by a single red list of countries.

Currently, if your destination of choice is on the green or amber list, you still need to check the latest travel advice and entry requirements for each country you visit or transit through. This is to ensure you are aware of any specific requirements relating to entry and ensure travellers from the UK are permitted. Countries can have their traffic light status changed with short notice and you should take this into consideration when looking to travel. Please check the Foreign, Commonwealth & Development Office (FCDO) for the latest information.

The FCDO currently advises against all but essential travel to red list countries. Most insurance policies purchased to cover a trip to a destination where the FCDO has instructed citizens not to travel to won’t be valid, however, some insurance providers may offer reduced cover if you’re travelling for essential purposes. Should you have any queries, please check the policy wording, or contact your chosen provider before purchasing, to ensure the cover meets your needs.

Travel within England, Scotland and Wales is permitted under the current guidelines. However, public health rules and lockdown restrictions continue to vary, including entry restrictions for Northern Ireland. Check the latest guidance from the official tourism boards for England, Scotland, Wales and Northern Ireland respectively.

Find out more here

Customers with more serious pre-existing medical conditions

When you declare medical conditions on our website, we’ll only show quotes from insurance providers who will cover all declared medical conditions, with no exclusions. 

MoneyHelper has launched a directory of insurance providers who may be able to provide quotes over the phone if you have more serious medical conditions. Find more information at MoneyHelper or by calling them on 0800 138 7777.

Do I need a visa for Pakistan?

Brits need to get a visa before visiting Pakistan; you’ll need to apply through the High Commission for Pakistan. Also, your passport should be valid for at least six months at the time of your visa application. 

Do I need vaccinations to visit Pakistan?

You should check with your doctor at least eight weeks before you travel to Pakistan. You might be advised to have vaccines including hepatitis A, typhoid and tetanus (these are typically free on the NHS).

Any other things to keep in mind when visiting Pakistan?

Natural disasters – Pakistan is in an earthquake zone and is occasionally prone to landslides and flooding. Check your policy’s wording to see if your insurance covers you for extreme events.

Climate – The country’s winter runs from around November to March, when conditions are typically warm with cool breezes in coastal areas. Pakistan’s summer, from April to July, can be extremely hot, while monsoon season runs from July to September.

Tipping – High-end hotels and restaurants may add a 10% service charge to your service bills. Tipping elsewhere is discretionary, but giving about 30-50 rupees at local restaurants is likely to be welcomed.

Time difference – Pakistan is four hours ahead of Greenwich Mean Time (GMT).

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