Compare travel insurance for Pakistan from £4.75[1]
Key takeaways
The average cost of travel insurance for Pakistan is £50.23[2]
It can protect you if you have medical emergencies, trip cancellations, lost luggage, and more
Check the Foreign, Commonwealth & Development Office (FCDO) website for the latest travel advisories as some areas of Pakistan may be risky.
Do I need travel insurance for Pakistan?
Holiday insurance is not a legal requirement. But without it you will be personally responsible for paying all the costs if something goes wrong with your trip.
Travel insurance can financially protect you if your holiday to Pakistan is unexpectedly cancelled, you need medical treatment while travelling, or your valuables are lost or stolen.
According to the latest data from the Association of British Insurers:
British residents had to make 574,000[3] claims on their travel insurance in 2023
The average claim amount was £972[4] and the average medical claim £1,750[4]
In contrast, you can find travel insurance to Pakistan from just £4.75[1]
What type of travel insurance do I need for Pakistan?
Pakistan is typically covered under worldwide travel insurance policies.
The specific type of policy you need depends on your travel plans:
If you are only visiting Pakistan, choose single-trip travel insurance and select Pakistan as your destination.
Combining a holiday in Pakistan with visits to other countries, perhaps on a backpacking trip?
Single-trip travel insurance can cover multiple countries as long as:
You don’t head home in-between countries. For that you need multi-trip insurance.
You are not away for a long time (policy-dependent, but usually a month). For that, you need backpackers’ insurance.
You might save money by selecting an annual multi-trip travel insurance policy.
This will also cover you for staycations in the UK.
You can get travel insurance with a pre-existing medical condition, but it may be more expensive than a standard policy.
One trip to Pakistan only
One trip to Pakistan and other countries
Several holidays throughout the year
Travelling with a medical condition
How much is travel insurance for Pakistan?
The table shows the average prices paid by our customers for holidays to Pakistan this year. Average price means 51% of customers paid this amount or less. Cheapest price means 10% of customers paid this price or less.
Cheapest price | Average price |
|---|---|
£4.75[1] | £14.62[5] |
Can I get last minute travel insurance for Pakistan?
Yes, it is possible to get last-minute travel insurance up to the day of your departure, although not all insurance providers will offer this.
Is it cheaper to buy travel insurance closer to my departure date?
No, it is usually more expensive to buy travel insurance last-minute.
If possible you should buy your holiday insurance as soon as you book your trip. That way you'll be covered if you have to cancel your Pakistan holiday.
What should my travel insurance policy for Pakistan include?
🚩Different travel insurance policies have different inclusions and exclusions. You should always read your documents and check what you're covered for.
Standard travel insurance will usually cover:
Illness and accidents
Trip and activity cancellations
Lost luggage (including your passport)
Theft
Repatriation (bringing you home if you are seriously injured, ill, or dead)
Personal liability (you are responsible for accidentally harming someone or their property)
What isn’t covered by travel insurance to Pakistan?
Typical exclusions include:
Undeclared pre-existing medical conditions
'Unforeseeable' disasters including terrorism, war, strikes, and natural disasters
Alcohol and drug-related incidents
Travel to areas advised against by the government (found on the FCDO website)
Adventure or winter sports
💡 Top tip: You can upgrade your insurance to include add-ons like winter sports, gadget cover and travel disruption cover.
Remember your excess!
Your excess is the amount of money you must pay towards any insurance claim you make. It is a fixed amount regardless of the claim size and it is set in advance when you take out your policy.
Increasing your excess can lower the cost of your policy, but make any claims less affordable.
Medical care in Pakistan
Cover for medical treatment costs is a vital part of travel insurance. The British Foreign Office advises that the standard of local medical facilities in Pakistan is lower than in the UK, especially in remote areas. Private medical care is available in all major cities, but can be very expensive. You should therefore make sure that you have adequate medical cover for any eventualities.
Can I get travel insurance for Pakistan if I have a pre-existing medical condition?
Yes, you can get travel insurance cover with a pre-existing medical condition, but it may be more expensive than a standard policy.
A pre-existing condition is any medical issue for which you had symptoms, medication, medical advice, treatment, or tests before you took out your insurance policy. It includes mental health conditions and disabilities.
You must disclose all pre-existing medical conditions. If you don't, your insurer can refuse to pay out for a claim.
Do I need vaccinations to visit Pakistan?
🚩 Vaccination recommendations may be different for individuals with specific health conditions. We recommend speaking to your doctor before travelling.
The NHS Fit for Travel website recommends that your regular vaccinations are up to date before you travel to Pakistan, including your flu and Covid-19 vaccines if you are eligible for these.
They also advise that you get vaccines for diphtheria, hepatitis A, poliomyelitis, tetanus, and typhoid. You may also wish to consider hepatitis B and rabies vaccines, and individuals considered highest risk should also consider cholera and Japanese encephalitis vaccines.
Travellers aged one year or over arriving from countries with risk of yellow fever transmission will also need a yellow fever vaccination certificate.
Do I need a visa to visit Pakistan?
🚩 Visa requirements for a country can change. For the most up-to-date information, check the UK government’s foreign travel advice website.
British nationals require a visa to visit Pakistan. You must apply for this in advance.
It’s worth noting that, to enter Pakistan, your passport must have an expiry date at least six months after the date of your visa application.
Do I need high-risk travel insurance for Pakistan?
Because the UK government advises against travel to some areas Pakistan, you may need a special type of insurance known as high-risk insurance if you intend to visit these places. This includes trips to areas within ten miles of the border between Pakistan and Afghanistan, and many areas in the Khyber Pakhtunkhwa and Balochistan provinces. Standard travel insurance will usually not cover visits to these regions, and insurers may not pay out for any claims you make when there.
Although high-risk travel insurance can be expensive, it’s worth getting if you plan to travel to an area considered dangerous. You should make sure to thoroughly check your policy, paying close attention to exclusions to ensure that everything you need is covered.
What travel insurance do I need to protect my belongings in Pakistan?
Most types of travel insurance will include some level of protection for your belongings and baggage. However, it is important to check what is and what isn’t covered.
The UK government warns that street crime is a risk in Pakistan, and that there is an active black market in forged and stolen passports. You should therefore make sure that your insurance has adequate coverage for your personal belongings. You can also consider add-ons such as gadget insurance and passport cover, which are not always included as standard.
What travel insurance do I need for hiking in Pakistan?
You may need cover to go hiking in Pakistan, depending on the specific trek.
Pakistan is renowned for its stunning mountain ranges. If you’re planning on exploring them, you should consider adventure sports cover. Standard travel insurance policies often will not cover hiking above a certain height or in riskier locations.
You may be able to add adventure sports cover to your existing travel insurance for a fee. Travel insurers will also often bundle together adventure sports cover and winter sports cover.
How do I claim on my travel insurance?
Report the incident you want to claim for to your insurer as soon as possible
If something is stolen, report it to the local police within 24 hours and get a report
Keep records of what has happened, including photos or videos and the contact details of anyone involved
Read our guide to making a claim on your travel insurance.
Find cheap Pakistan travel insurance with MoneySuperMarket
Compare quotes from different insurers to find the best price for the level of cover you want. Don't want this task on your to-do list? We can do the work for you, saving you time and money.
Plus, we offer our travel insurance customers rewards! Get a voucher worth up to £5[6], a Free Days Out pass worth £180, and much more.
Just sign up to our free SuperSaveClub[7] before you buy your travel policy.
Compare travel insurance quotes | Pakistan cover from just £4.75[1]
