Travel Insurance Expert and Head of Communications
Last updatedDecember 16 2025
10 min read
With InsureandGo, you can explore everything Pakistan offers. Even for adventurous trips or visits to remote areas. We cover medical emergencies, lost belongings, trip cancellations, and delays. We’ve got your journey covered.
What is Pakistan travel insurance, and do you need it?
However, recently, Pakistan has faced several problems. Economic struggles, political instability and severe floods, to name a few. These challenges have worsened living conditions, making travel insurance essential.
Currently, the UK Government advises against all travel to Pakistan. This is due to the increased risk of terrorism. If you are travelling to Pakistan, here is why travel insurance is essential.
Covers healthcare costs. There is a shortage of hospitals, clinics, and diagnostic centres in Pakistan, especially in rural areas and low-income communities. Should you fall ill in Pakistan, we’ll help you find a nearby medical centre. We’ll also cover your medical care costs. This is crucial if you have pre-existing conditions. Just be sure to declare your conditions in advance.
Lost or stolen belongings. Pakistan is home to busy, vibrant markets. These are hotspots for pickpocketing. Losing valuables like your passport or electronics can disrupt your trip. With travel insurance, you’ll be reimbursed for lost or stolen items.
Repatriation for emergencies. Remote areas can be difficult to leave quickly in a medical emergency. Medical transportation services from Pakistan to the UK start from £37,000. Travel insurance covers these expenses.
Covers your essential medication. It’s frustrating if you lose vital medication on holiday. The good news is that travel insurance covers the cost. If medications are lost or delayed, we’ll help you find local replacements. Our 24/7 medical helpline can assist. We can direct you to nearby pharmacies or medical help.
Cover for delayed or lost luggage. Air travel in Pakistan has improved. But delays and misplaced luggage are common, especially on domestic flights to smaller airports. Travel insurance helps if your bags are lost or delayed. We’ll cover the costs of replacing essential items. Plus up to £10k cancellation cover.
Before booking your trip to Pakistan
Choose a policy that covers you for everything you’ve got planned. We’d also recommend you read our policy wording. This outlines exactly what’s covered and what isn’t.
Be sure to check FCO advice before travelling to Pakistan. Travelling against their advice may invalidate your insurance. Currently, they advise against all travel to Pakistan. However, they update this regularly.
We will consider all pre-existing medical conditions. Find out more about medical travel insurance.
The excess and amount of cover available varies depending on the level of travel insurance you buy. Check the policy wording to see the full terms and conditions.
What’s not covered?
Each provider will have different things it can or cannot include in a policy. However, there are some situations in which travel insurance will not cover. For example:
You cannot cover events or reasons that took place before you booked the trip or purchased insurance. Insurance exists to cover unexpected events outside of the insured’s control
Claims which are less than the excess for that section of cover. For example, you cannot claim a £40 lost item if your baggage excess is £60
All of our travel insurance policies include cover for cancellation of your trip. There may, however, be some exclusions. For example, you won’t be covered to cancel if you decide not to go.
The best travel insurance for Pakistan
Pakistan is a land of culture, landscapes, and ancient history. Hitting the bustling streets of Karachi? Or venturing up the breathtaking Karakoram Mountains? Pakistan offers lasting experiences.
However, travel to Pakistan comes with unique challenges. You must check the situation in the areas you plan to visit. Certain regions in Pakistan have higher levels of crime and an increased risk of terrorism.
Protection in case of emergencies. Pakistan’s healthcare system can vary in quality depending on the region. If you fall ill or face an accident, travel insurance ensures you’re covered for private medical care.
Family cover. Travelling with family? Family travel insurance ensures everyone is protected. This includes medical emergencies, lost items, and cancellations and delays for the entire group.
Cancellations and delays. Political unrest or unforeseen issues can lead to sudden travel disruptions. Our travel insurance covers cancellations, missed flights, or extended stays due to these events.
Adventure cover. Pakistan is great for adventure seekers. You can trek in the Himalayas or explore remote deserts. Extreme sports travel insurance ensures you’re protected for higher-risk activities.
Golf cover. Pakistan boasts some stunning golf courses, like the Islamabad Golf Club and the Royal Palm Golf & Country Club in Lahore. Whether you’re playing in the hills or at a luxury course, golf cover ensures your equipment is protected. If your clubs are lost or damaged, insurance covers repair or replacement costs. Focus on your game without worrying about unexpected mishaps.
The right insurance keeps you ready for the unexpected. Whether visiting family, exploring Pakistan’s beauty, or on business. Check our policy wording for full details on what’s included.
Choose a cover level to suit your travel needs
Black
Gold
Silver
Medical expenses and repatriation
Unlimited
£15 million
£10 Million
Cancellation and curtailment
£10,000
£7,500
£5,000
Travel delay
Up to £650
Up to £540
Up to £450
Personal belongings
£5,000
£2,500
£2,000
Legal Expenses
£60,000
£50,000
£15,000
Standard Excess
Nil
£50
£60
Travel insurance for Pakistan with pre-existing medical conditions
Travelling to Pakistan with a pre-existing medical condition requires careful preparation. This is mainly because Pakistan struggles to maintain a suitable healthcare system. Currently, only 2% of its GDP is allotted for total health expenses.
Access to healthcare can also vary widely, particularly in remote areas, and private medical care can be expensive for travellers. Even a common condition like asthma is classified as a pre-existing condition.
Examples of medical conditions we can cover include:
It’s vital to declare any pre-existing conditions during the quote process. If these aren’t declared, claims related to your condition may not be covered. Our simple online medical screening makes it easy to ensure you’re fully protected.
We’ll show you your quote. All you have to do is decide whether to buy it now or save it for later.
Our experts say…
“Pakistan is a stunning country. It has incredible sites and experiences to enjoy. However, healthcare quality can vary depending on the region. For travellers, medical emergencies without insurance can be expensive. Travel insurance for Pakistan protects you if something goes wrong.”
“I was very impressed with Annabelle – her knowledge, manner, listening approach, and the outcome. She listened to the issues, and came to an acceptable solution.”
The cost of travel insurance for Pakistan depends on a few factors. These include:
Your age. Older travellers may pay slightly more for insurance. We’ll help you find a quote that fits your budget and needs.
Length of stay. Longer trips in Pakistan often mean higher costs. If you’re planning multiple trips, annual multi-trip cover could save you money and simplify your planning.
Pre-existing conditions. Declaring conditions like asthma, diabetes, or heart issues may increase your premium. However, it ensures you’re fully covered for medical needs during your trip.
Policy add-ons. You can add options like gadget cover, motorcycling, or golf cover. Cover for these extras means you’re prepared for all possibilities.
Get your quote quickly online and choose the cover that matches your trip to Pakistan. Be prepared, so you can focus on enjoying your journey!
Do I need a visa for Pakistan?
Yes. Obtaining a visa for Pakistan from the UK requires submitting a completed visa application form. This will include supporting documents such as a passport, photos, and proof of travel arrangements.
To obtain a visa with a British passport, you must ensure that your passport is valid for at least six months beyond the planned date of return. You will also need to prove that you meet the eligibility criteria for the type of visa you are applying for.
British citizens must carry a valid passport when travelling to Pakistan from the UK. You may also need to provide proof of onward travel arrangements and sufficient funds for your stay.
Is there a limit to how much money I can take into Pakistan?
There is no limit on the amount of money that can be taken to Pakistan from the UK. However, it is advisable to declare any amount over £10,000 to avoid potential issues with customs.
You can exchange currency in Pakistan at banks and authorised money changers. Travellers can access their money through ATMs, credit cards, and travel money cards.
Will the GHIC cover Pakistan?
No, the Global Health Insurance Card (GHIC) is not valid in Pakistan. This is why travel insurance is essential. With it, you’ll be covered for medical expenses, including emergencies, hospital stays, or repatriation.
Who can buy an InsureandGo Pakistan travel insurance policy?
Our Pakistan travel insurance is available to all UK residents who meet the following criteria:
Must have lived in the UK or the Channel Islands for at least six of the last 12 months.
Travel Insurance Expert and Head of Communications
Letitia is a Travel Insurance expert with more than 20 years experience in helping people find specialist insurance. As Head of Communications at InsureandGo, Letitia cares about making it easy for people who love travel to get the cover they need.
