Best Travel Insurance Companies in Pakistan 2026 — An Honest Comparison

Travel insurance from Pakistan is a market where the gap between good and bad products is enormous — yet most buyers choose based on price alone, not realising what they are and are not covered for until something goes wrong abroad.

This guide explains what makes a good travel insurance policy for Pakistani travellers, what to watch out for, and how to pick the right plan for your trip — whether you are travelling to Europe on a Schengen visa, visiting family in the UK, or exploring the Gulf.

What to look for in travel insurance from Pakistan

Before comparing companies, understand the key variables that make the real difference:

1. Medical cover limit

This is the single most important number in any travel insurance policy. Medical costs abroad are not like Pakistan — a single night in a hospital in the UK, UAE or Germany can cost PKR 500,000 or more. A policy with only PKR 1–2 million medical cover is dangerously inadequate for travel to Europe, North America or Australia.

2. Schengen certificate acceptance

If you are applying for a Schengen visa from Pakistan, your travel insurance certificate must be accepted by the relevant embassy. Not all Pakistani insurance certificates are accepted everywhere — confirm with the insurer or broker that their certificate is embassy-accepted before buying.

SGI issues Schengen-compliant certificates accepted at all Schengen embassies in Pakistan, meeting the mandatory €30,000 minimum.

3. Pre-existing conditions

Many budget travel insurance policies in Pakistan exclude all pre-existing medical conditions — meaning if you have diabetes, heart disease, high blood pressure or any other declared condition, your medical claim could be rejected if it is related to that condition.

Premium travel insurance plans cover declared pre-existing conditions. Always declare any conditions when taking the policy — failure to disclose can void your entire claim.

4. Repatriation cover

If you fall seriously ill or die abroad, your family will need to repatriate your body or bring you home for treatment. This can cost USD 10,000–50,000 or more. Any good travel insurance policy must include emergency medical repatriation.

5. Claims process

The weakest link in any insurance product is claims. Before buying, ask: Who do I call if something goes wrong? Is there a 24-hour international helpline? How do I submit a claim? What documentation is required? A policy that is impossible to claim on is worthless.

What does SGI travel insurance include?

Common mistakes Pakistani travellers make when buying travel insurance

• Buying the cheapest policy — A PKR 800 policy with USD 10,000 medical cover is useless in the UK or USA. Pay for adequate cover.
• Not reading the exclusions — Adventure sports, winter sports, pre-existing conditions and alcohol-related incidents are commonly excluded. Know what is not covered.
• Waiting until the day before travel — Trip cancellation cover only applies if you buy the policy before the cancellation event happens. Buy as early as possible.
• Not declaring pre-existing conditions — Non-disclosure can void your entire policy. Always declare honestly.
• Not saving the emergency contact number — Before you board, save the 24-hour assistance number from your policy. You will need it if something goes wrong abroad.

Travel insurance costs from Pakistan in 2026

Prices vary based on age, cover level and add-ons. Older travellers pay more. Ask us for an exact quote on WhatsApp →

How to get travel insurance from Pakistan

SGI issues travel insurance certificates for Pakistan travellers going anywhere in the world — including Schengen, UK, UAE, USA and domestic destinations. The process is simple:

1. Send your CNIC, travel dates, destination and number of travellers on WhatsApp.
2. We send your quote within the hour.
3. Confirm and pay.
4. Certificate issued the same day — ready for your visa application or departure.