Travel insurance for Pakistan

Compare and save on travel insurance for Pakistan

Ceri McMillan - GoCompare travel insurance expert
Ceri McMillan
Updated 13 October 2021  | 2 min read

Travel insurance for Pakistan

If you’re travelling to Pakistan, travel insurance helps cover any costs when you encounter problems during your trip. For example:

  • Emergency medical expenses and repatriation
  • Baggage and personal belongings
  • Cancellation and curtailment
  • Lost passport and money
  • Personal liability
  • Legal expenses

If you’re thinking of getting involved in extreme sports in Pakistan, you might need extra cover.

What travel insurance do I need for Pakistan?

Worldwide cover

Pakistan is usually covered in worldwide travel insurance, but certain providers may refuse to cover you if you travel to areas advised against by The Foreign, Commonwealth and Development Office (FCDO).

Single or multi-trip?

If your holiday to Pakistan is likely to be your only trip this year, single-trip travel insurance will do. But if you’ve got several trips in the pipeline, annual travel insurance could save you time and money.

For example, our customers paid £66.54 on average for an annual travel insurance policy in 2020, but the average price for a single trip policy was £32.57.[2]

How much cover should your policy have?

Make sure that your travel insurance policy provides the right level of cover for:

Sports and adventure travel

If you’re planning on hiking the Pakistan Himalayas or any other mountain ranges, it’s a good idea to take out trekking insurance.

You might also need extra cover for adventurous activities.

Policies vary between providers, but it could provide protection for things like horse riding, climbing and white-water rafting.

Terrorism cover

Out of 952 annual travel insurance polices on Defaqto, 41% cover medical expenses and personal accident cover following an act of terrorism.[3]

If you want cover for emergency transport home due to a terrorist act, you may need to arrange additional cover - not all policies cover it as standard.

Natural disasters and major earthquakes

Floods, cyclones, earthquakes and landslides are not uncommon in Pakistan, so look for a policy that includes cover for natural disasters.

Emergency repatriation

If you had to cut your holiday short due to illness or an accident, repatriation insurance can cover the costs of medical expenses and/or getting you home.

We checked Defaqto and 98% of policies would cover £3m or more in medical expenses which usually includes medical repatriation costs – read your terms and conditions to see what you’re covered for before you travel.[3]

Cancelled flights and changed travel plans

Natural disasters and political uncertainty could force you or your airline to change or cancel travel plans. You don’t want to have to pay for extra flights, so look at what you’re covered for.

According to Defaqto, 64% of insurers offer cover for catastrophe delay, which includes earthquakes and civil unrest.[3]

Legal protection

Legal protection is there to provide financial support if you need to make a claim. It might include the assignment of a lawyer.

Pakistan travel advice

Here are some things you should know before you go to Pakistan:

  1. No-go regions

    The FCDO advises against all travel to several areas within Pakistan. If you travel to these areas, it’s unlikely that you’ll be covered under your travel insurance policy

  2. Protests

    Protest could happen anytime, anywhere in Pakistan. Avoid public demonstrations, public events and large crowds

  3. Terrorism risk

    Certain times of the year carry a higher risk of terrorist incidents. These include holy periods and religious holidays. You should also be extra vigilant in crowded, public areas like hotels, restaurants, airports, shopping malls and markets

  4. Ramadan

    If you are travelling to Pakistan during Ramadan, avoid eating, drinking or smoking in public during daylight hours

  5. Dress code

    Women and men must always dress modestly, covering their shoulders and legs. Women should also cover their heads when travelling in rural areas or when visiting mosques or other holy places

  6. LGBT

    Homosexuality is against in the law in Pakistan. The FCDO is a useful source of LGBT foreign travel advice

  7. Vaccinations

    You should confirm that all of your primary vaccines and boosters are up to date before travel. Additional vaccines you might consider include Hepatitis B and Rabies – take a look at the NHS’ Fit for Travel site for more information

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[1] introduces customers to which is authorised and regulated by the Financial Conduct Authority.'s relationship with is limited to that of a business partnership, no common ownership or control rights exist between us. Please note, we cannot be held responsible for the content of external websites and by using the links stated to access these separate websites you will be subject to the terms of use applying to those sites

[2]Average price purchased data recorded by between 1 January and 31 December 2020.

[3]Last checked 18 August 2022