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Last updated on 10 Aug, 2026
If you are planning to travel from Pakistan for a holiday, business trip, study, family visit, or a Schengen visa application, jubilee travel insurance pakistan can protect you from unexpected expenses during your journey.
But choosing a policy should not be based on the company name or premium alone.
The more important questions are:
Jubilee General Insurance's International ViaCare currently offers individual and family travel insurance options, including a Schengen-compliant plan and a multi-purpose plan for destinations outside the Schengen area.
This guide explains the important details in simple terms so Pakistani travelers can make a more informed decision.
NOTE: Insurance prices, coverage limits, and policy terms may change over time. The information provided in this article is for general guidance only and should not be considered a fixed or guaranteed price. Always confirm the latest price and policy details with the insurer before purchasing.
Before going into the details, here is the quick answer for travelers who simply want to understand what Jubilee Travel Insurance offers.
| What you want to know | Jubilee International ViaCare |
|---|---|
| Individual plan | Yes |
| Family plan | Yes |
| Schengen-compliant option | Yes |
| Worldwide option | Yes, excluding Schengen under the Multi-Purpose plan |
| Medical emergency cover | Yes |
| Emergency evacuation | Yes |
| Repatriation | Yes |
| Baggage protection | Yes |
| Trip cancellation | Yes |
| 24/7 assistance | Yes |
| Claims payment | Payable in Pakistani Rupees |
| Standard age range | 18–65 years |
| Family children | 6 months–18 years |
| Premium | Depends on duration and plan |
Jubilee states that its Schengen-compliant option provides US$50,000 or equivalent cover for hospitalization and medical expenses, while the Multi-Purpose option provides US$10,000 or equivalent cover outside Schengen countries.
One of the most important things travelers want to know is the premium before purchasing a policy.
According to Jubilee Travel Insurance information, premiums vary according to the travel duration and whether the policy is individual or family. The published premium table lists the following amounts in PKR:
| Travel Duration | Individual | Family |
|---|---|---|
| 7 days | PKR 750 | PKR 1,100 |
| 14 days | PKR 950 | PKR 1,500 |
| 21 days | PKR 1,400 | PKR 2,100 |
| 31 days | PKR 1,900 | PKR 2,850 |
| 62 days | PKR 3,300 | PKR 5,800 |
| 92 days | PKR 6,550 | PKR 10,000 |
| 180 days* | PKR 9,200 | PKR 18,800 |
| 365 days* | PKR 11,100 | PKR 22,000 |
*Jubilee's published table shows a 92-day stay limit for the 180-day and 365-day entries, so travelers should verify the exact policy terms before purchasing.
Travel insurance pricing is not determined only by the destination.
The premium can depend on factors such as:
Important: premiums and policy conditions can change. Always confirm the current premium and policy wording before payment.
The value of travel insurance is not simply the amount you pay. The real question is what financial protection you receive when something goes wrong.
Jubilee's published benefit schedule includes several areas of travel protection.
Medical treatment abroad can become expensive very quickly. Jubilee's International ViaCare includes medical expenses and hospitalization abroad, with the amount depending on the selected plan.
For the Multi-Purpose plan, Jubilee currently publishes a US$10,000 limit for medical expenses and hospitalization abroad. The Schengen-compliant option is stated to provide US$50,000 or equivalent cover for hospitalization and medical expenses.
Emergency evacuation is another important benefit when treatment cannot be adequately handled at the traveler's current location.
Jubilee's published schedule includes transport or repatriation in case of illness or injury.
Travel insurance can also provide financial assistance for repatriation of mortal remains in the unfortunate event of death abroad.
The published ViaCare benefits include this coverage.
Lost or delayed baggage is one of the most common travel inconveniences.
Jubilee lists benefits for:
These benefits have specific monetary limits, so travelers should check the policy schedule rather than assuming every loss is fully reimbursed.
The policy also lists compensation for certain travel disruptions, including trip cancellation and delayed departure, subject to the applicable policy terms and limits.
For Pakistani travelers applying for a Schengen visa, this is one of the most important questions.
Jubilee's International ViaCare page specifically identifies a Schengen Compliant option and states that it offers US$50,000 or equivalent cover for hospitalization and medical expenses.
However, travelers should not judge visa compliance by the insurance company name alone.
Before submitting your visa application, check that your certificate and policy meet the requirements applicable to your specific visa application, including:
This is especially important for first-time Schengen applicants.
Book Schengen Travel Insurance.
Not every traveler needs the same type of policy.
Jubilee offers both individual and family options under International ViaCare.
| Feature | Individual | Family |
|---|---|---|
| Main insured traveler | Yes | Yes |
| Spouse | — | Included under family structure |
| Children | — | Up to 4 children |
| Child age | — | 6 months–18 years |
| Suitable for | Solo travelers | Families traveling together |
| Premium | Lower for one traveler | Higher but covers family members |
According to Jubilee's published eligibility information, the family package includes the insured, one spouse and up to four children between 6 months and 18 years.
Choose an individual plan if you are traveling alone.
Consider a family plan if you are traveling with your spouse and children and the policy structure matches your family.
Don't automatically assume that a family plan is cheaper. Compare the total premium with the number of people covered and the actual benefits.
Students traveling abroad have different insurance needs from short-term tourists.
A student may need coverage for:
Jubilee's International ViaCare page lists eligibility beginning at age 18 and standard coverage up to age 65, with a separate contact process for ages 66–70.
For students, the most important step is to check the insurance requirement stated by the university, embassy, visa category, or destination country before purchasing.
A policy that is suitable for a seven-day tourist trip may not necessarily be the right choice for a long-term student journey.
Book Student Travel Insurance.
This is the section many travelers skip — and it can be one of the most important.
Insurance is not unlimited protection.
Jubilee lists several exclusions for International ViaCare, including:
The exact wording and conditions are contained in the policy documentation, so travelers should read the policy wording before relying on a particular benefit.
Don't ask only:
“How much is the insurance?”
Also ask:
“What situations are excluded from the policy?”
That second question can save you from an unpleasant surprise during a claim.
A low premium does not automatically mean a better policy.
Consider this simple example:
| Factor | What to check |
|---|---|
| Premium | How much will you pay? |
| Medical limit | How much medical protection is available? |
| Evacuation | Is emergency transport included? |
| Repatriation | Is repatriation covered? |
| Baggage | What are the loss/delay limits? |
| Cancellation | Is trip cancellation included? |
| Assistance | Is emergency assistance available? |
| Exclusions | What situations are not covered? |
| Visa compliance | Does it meet your destination's requirements? |
This approach is more useful than choosing a policy based on the cheapest number displayed online.
Jubilee is not the only established insurer offering travel-related protection in Pakistan.
Adamjee publishes multiple travel plans covering international, student, Hajj/Umrah and domestic travel, along with detailed premium and benefit tables.
UIC also offers online travel insurance with options for Schengen and other destinations, and its online system provides destination and duration-based policy selection.
EFU General Insurance also offers travel insurance and digital purchasing through its mobile application.
So instead of asking:
“Which company is the best?”
a better question is:
“Which policy matches my destination, travel duration, required coverage and budget?”
| What matters | Jubilee | Adamjee | UIC | EFU |
|---|---|---|---|---|
| Travel insurance | ✓ | ✓ | ✓ | ✓ |
| Schengen option | ✓ | ✓ | ✓ | ✓ |
| Family options | ✓ | ✓ | Available plans | Available plans |
| Student-focused options | Check current plan | ✓ | Check current plan | Check current plan |
| Online purchase | Available | ✓ | ✓ | ✓ |
| Published pricing | ✓ | ✓ | Online quote/system | Digital quote/purchase |
| 24/7 assistance | ✓ | ✓ | Support available | TravelCare/support |
This table is for comparison of publicly presented features, not a ranking of insurers. Plan terms can change and should be verified before purchase.
Don't leave insurance until the last minute.
A good time to arrange travel insurance is before your trip and before you need the policy for a visa application.
Before purchasing, have these details ready:
For a Schengen application, make sure the insurance certificate matches your visa documentation and travel dates.
Use this checklist before purchasing any travel insurance policy from Pakistan:
Make sure your selected geographical area covers the country or countries you plan to visit.
Your policy should cover the period required for your journey and, where relevant, your visa application.
Don't compare policies only by premium. Compare the actual medical protection.
Pay special attention to pre-existing conditions and other exclusions.
Understand the maximum amount payable and any conditions attached to baggage claims.
Save your certificate, policy number, insurer contact details and emergency assistance information on your phone.
If more than one suitable policy is available, compare coverage + exclusions + premium + assistance, rather than choosing solely on price.
Buying travel insurance should not mean opening several websites and trying to understand different policy documents at the same time.
TripInsurance.pk provides an online platform where Pakistani travelers can explore travel insurance options and compare available plans according to their travel requirements.
This can be particularly useful for:
The goal should not simply be to find the cheapest policy.
The goal is to find a policy that gives you the right protection for the trip you are actually taking.
Jubilee Travel Insurance is an established travel insurance option for Pakistani travelers, with individual and family plans, a Schengen-compliant option, medical protection, evacuation and repatriation benefits, baggage-related protection, travel inconvenience benefits and 24/7 assistance.
The published premium table also makes it easier to understand how the cost changes with travel duration and whether you are purchasing individual or family coverage.
But the best travel insurance is not necessarily the one with the lowest premium.
Before buying, compare:
Premium → Medical Coverage → Visa Compliance → Exclusions → Assistance → Baggage → Trip Benefits.
For students, families and Pakistani travelers going abroad, taking a few extra minutes to compare these details can make the difference between simply having an insurance certificate and having meaningful travel protection.
Yes. Jubilee General Insurance offers International ViaCare travel insurance for travelers, including individual and family options.
The published premium starts at PKR 750 for an individual seven-day plan and PKR 1,100 for a seven-day family plan, according to Jubilee's current International ViaCare premium table. Premiums vary by duration and plan.
Jubilee lists a dedicated Schengen-compliant option and states that it provides US$50,000 or equivalent cover for hospitalization and medical expenses. Travelers should still verify the certificate against their specific visa requirements.
Yes. Jubilee's published benefits include coverage for loss of checked-in baggage and compensation for delayed baggage, subject to the stated limits and policy conditions.
Jubilee lists pre-existing medical conditions among the major exclusions for International ViaCare. Always review the current policy wording before purchase.
Yes. Jubilee offers a family plan. Its published information says the family package includes the insured, one spouse and up to four children aged 6 months to 18 years.
Students can purchase travel insurance subject to the insurer's eligibility and policy conditions. Before buying, students should also check the specific insurance requirements of their destination, university and visa category.
Not necessarily. Brand reputation is one factor, but travelers should also compare the premium, medical limit, exclusions, destination coverage, assistance and visa requirements before choosing a policy.
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