Date posted: 19, May 2025

Author: Muhammad Muddasir

Travel planning is always exciting, but being covered against unforeseen circumstances makes your holiday smooth. Whether you travel to the Schengen area for vacations, go to Turkey for work, or visit far-off places, travel insurance is a must. It covers you for medical needs, cancellation of trips, or stolen bags.

This travel insurance review compares the best travel insurance covers in Pakistan on the basis of coverage, price, and customer satisfaction. Following this, you’ll be able to make an informed choice that suits your travel requirements and budget.

Why Travel Insurance Matters for Pakistani Travelers 

Traveling without insurance exposes you to multiple risks. Here’s why having travel insurance is crucial for Pakistani travelers: 

Medical Emergencies

Healthcare abroad, especially in regions like Europe or the US, can cost a fortune. Travel insurance covers medical bills, ensuring you receive care without financial strain. 

Trip Cancellations or Delays

Emergencies or unforeseen interruptions can turn your plans upside down. Insurance provides reimbursement for prepaid expenses and extra costs. 

Lost Baggage or Documents

Misplaced luggage or stolen passports are stressful but manageable with financial compensation and assistance offered by most policies. 

Schengen Visa Requirements

Countries in the Schengen region legally require Pakistani travelers to carry insurance coverage worth at least €30,000 (commonly offered by top providers). 

Factors to Consider When Choosing Travel Insurance 

Choosing the ideal policy depends on your destination, preferences, and budget. Consider these factors while selecting a policy:

1. Coverage Amount: Ensure your policy covers the minimum requirements for regions like the Schengen zone.
2. Specific Coverage Options: Look for plans with health coverage, lost baggage protection, trip cancellations, or evacuation services.
3. Price: Find a balance between affordability and coverage quality.
4. Customer Reviews: Check the experiences of previous users to assess a provider’s reliability.
5. Ease of Claims: Quick and hassle-free claim processing is essential for stress-free travels.
6. Destination-Specific Policies: Some providers cater to popular locations, like travel insurance for Turkey or tailored Schengen travel insurance plans.

Top 10 Travel Insurance Companies in Pakistan 

Here’s our expertly curated list of the best travel insurance providers for Pakistani travelers:

United Insurance Company 

A rising provider gaining popularity for its affordable yet reliable plans. 

• Coverage: Health emergencies, trip delays, baggage loss replacement.
• Strength: Competitive pricing and personalized packages.
• Best For: Middle-income travelers seeking cost-effective solutions.

EFU Life Assurance 

Known for its widespread coverage for individuals and families.

• Coverage: Health emergencies, personal accidents, trip delays.
• Strength: Affordable Schengen travel insurance plans.
• Best For: Budget-conscious and family travelers.

Jubilee General Insurance 

One of Pakistan’s leading insurance providers offering comprehensive packages. 

• Coverage: Medical emergencies, trip cancellations, lost passport.
• Strength: Flexible policies tailored for frequent or international travelers.
• Best For: Entrepreneurs and professionals.

Adamjee Insurance 

Offers tailored plans with extensive health-related add-ons. 

• Coverage: Medical evacuation, baggage delay compensation, legal assistance.
• Strength: Strong and reliable customer support team.
• Best For: Travelers with specific health concerns.

Askari General Insurance 

Known for its affordability and medical-focused insurance options. 

• Coverage: Medical expenses, travel interruptions, trip cancellations.
• Strength: Budget-friendly plans.
• Best For: Students and budget-conscious travelers.

TPL Insurance 

Focuses on innovative travel health insurance solutions for international trips.

• Coverage: Medical insurance, lost documents assistance.
• Strength: Quick and efficient claims process.
• Best For: Frequent flyers.

IGI General Insurance 

Reputed for straightforward and comprehensive travel insurance packages. 

• Coverage: Emergency assistance, lost or delayed baggage.
• Strength: Digital tools make purchasing and claims seamless.
• Best For: Families traveling abroad.

Chubb Insurance 

Provides premium-level policies with comprehensive global coverage. 

• Coverage: Travel disruptions, medical emergencies, theft protection.
• Strength: High claim limits for extensive travel requirements.
• Best For: Professionals on corporate or business trips.

Pak-Qatar Takaful 

Specializes in Shariah-compliant travel insurance plans.

• Coverage: Emergency health issues, travel delays, and stolen luggage.
• Strength: Ethical insurance solutions for a niche customer base.
• Best For: Travelers heading to the Middle East or preferring Islamic insurance.

TCS Travel Insurance 

Provides quick and accessible insurance packages for frequent travelers. 

• Coverage: Baggage loss, emergency medical care, passport replacement.
• Strength: Convenient and accessible across Pakistan.
• Best For: Domestic and international travelers who prioritize convenience.

Comparison Table 

Provider	Core Strength	Coverage Limit (PKR)	Best For
EFU Life Assurance	Affordable Schengen policies	Up to PKR 800,000	Budget-seekers
Jubilee General	Flexible policy options	Up to PKR 1,000,000	Entrepreneurs, professionals
Adamjee Insurance	Extensive health coverage	Up to PKR 1,000,000	Health-conscious travelers
Chubb Insurance	Premium-level options	Up to PKR 2,000,000	Business travelers
United Insurance	Affordable and reliable	Up to PKR 600,000	Middle-income travelers

How to Purchase Travel Insurance in Pakistan 

1. Research Providers: Visit official websites or local offices.
2. Compare Plans: Use reviews and tools (like our table!) to find what suits you.
3. Select the Right Policy: Match coverage to your destination and trip needs.
4. Complete Your Application: Submit documents like passports and trip details.
5. Make Payment: Most providers accept digital payments for convenience.
6. Receive Policy Confirmation: Keep a digital copy accessible on your travels.

Protect Your Travels with Confidence 

Choosing travel insurance in Pakistan doesn’t have to be daunting. With EFU Life, Jubilee General, United Insurance, and others, you can travel with peace of mind knowing you have coverage for the unexpected. 

Start planning your next adventure with the right partner by your side. Compare policies today to ensure every moment of your trip is as phenomenal as possible!