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If you’re travelling to Pakistan, travel insurance helps cover any costs when you encounter problems during your trip. For example:
If you’re thinking of getting involved in extreme sports in Pakistan, you might need extra 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).
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, theidol found that the average annual policy price for policies purchased from January to December 2018 was £92.90, whereas single trip policies were £40.31.
Make sure that your travel insurance policy provides the right level of cover for:
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.
We checked Defaqto and 48% of 1,136 insurers offered protection for medical expenses and personal accident cover following an act of terrorism.
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.
Floods, cyclones, earthquakes and landslides are not uncommon in Pakistan, so look for a policy that includes cover for natural disasters.
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 94% 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.
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, 65% of insurers offered cover for catastrophe delay, which includes earthquakes and civil unrest.
Legal protection is there to provide financial support if you need to make a claim. It might include the assignment of a lawyer.
Here are some things you should know before you go to Pakistan:
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
Protest could happen anytime, anywhere in Pakistan. Avoid public demonstrations, public events and large crowds
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
If you are travelling to Pakistan during Ramadan, avoid eating, drinking or smoking in public during daylight hours
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
Homosexuality is against in the law in Pakistan. The FCDO is a useful source of LGBT foreign travel advice
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
Average price purchased data recorded by the idol between 1 January 2018 and 31 December 2018
Last checked 1 August 2019