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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.

Patrick Ikhena
From the Travel team
4
minute read
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Posted 2 APRIL 2020

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

On 02 October 2020, the Foreign Commonwealth and Development Office (FCDO) updated the list of countries that are exempt from its ongoing advice against all non-essential international travel.

If you choose to travel overseas to a destination where the FCDO is advising against non-essential travel at the time of your departure, then your insurance policy will be invalid, and any claim likely to be rejected.

For domestic travel, please check the local public health rules for the destination you wish to travel to within the United Kingdom.

For more information, please see our coronavirus and travel insurance page.

Customers with more serious pre-existing medical conditions

Our panel includes insurance providers who quote cover for all medical conditions declared on our website, with no exclusions.

The Money and Pension Service (MaPs) has also 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 the Money Advice Service or by calling the British Insurance Brokers Association on 0370 950 1790.

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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