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Last updated on 09 Aug, 2026
If you are planning to travel abroad from Pakistan, one of the first questions you may have is: how much does travel insurance price in Pakistan?
There is no single fixed price. Your premium can change depending on your destination, trip duration, age, number of travelers, and the level of coverage you choose.
For example, current published worldwide plans on tripInsurance.pk start from PKR 805 for 7 days for an individual traveler, while published Schengen plans start from PKR 1,600 for 7 days. Other insurers and higher-coverage plans can cost considerably more.
So the cheapest policy is not necessarily the best choice. The more useful question is:
What travel insurance price gives me the right coverage for my destination and trip?
This guide explains travel insurance prices in Pakistan, compares current published rates, and shows what Pakistani tourists, students, families, business travelers, and overseas Pakistanis should check before buying a policy.
Travel insurance prices in Pakistan vary according to the policy and traveler.
A short worldwide trip can cost less than pkr 1,000 on some published plans, while Schengen, USA/Canada/UK, long-duration, family, student, senior, or higher-coverage plans can cost considerably more.
For example, tripInsurance.pk currently publishes these starting prices:
| Travel Type | Published Starting Example |
|---|---|
| Worldwide – Individual, 7 Days | PKR 805 |
| Worldwide – Family, 7 Days | PKR 1,288 |
| Schengen – Individual, 7 Days | PKR 1,600 |
| Schengen – Family, 7 Days | PKR 2,650 |
| USA/Canada/UK – Individual, 7 Days | PKR 2,530 |
| USA/Canada/UK – Family, 7 Days | PKR 5,060 |
These are published examples, not one universal market price. The final premium depends on the selected destination, duration, plan and traveler details.
Travel insurance in Pakistan can start from around PKR 805 for some short worldwide trips, while destination-specific and higher-coverage policies can cost several thousand rupees.
Trip duration is one of the most important factors when comparing travel insurance prices.
A one-week holiday will normally require less coverage time than a 60-day trip, semester abroad, or year-long stay.
TripInsurance.pk currently publishes the following worldwide individual and family rates:
| Duration | Individual | Family |
|---|---|---|
| 7 Days | PKR 805 | PKR 1,288 |
| 10 Days | PKR 966 | PKR 1,449 |
| 15 Days | PKR 1,127 | PKR 1,610 |
| 21 Days | PKR 1,771 | PKR 2,254 |
| 31 Days | PKR 1,944 | PKR 2,737 |
| 62 Days | PKR 3,542 | PKR 4,991 |
| 92 Days | PKR 4,629 | PKR 8,372 |
| 180 Days | PKR 7,728 | PKR 15,640 |
| 365 Days | PKR 10,505 | PKR 17,710 |
This table also shows why travelers should not estimate insurance simply by multiplying the price of a seven-day policy.
Different insurers structure their products differently, and longer-duration plans may have different rates and benefits.
Schengen travel insurance has specific visa-related requirements, so it should be compared separately from general worldwide coverage.
TripInsurance.pk currently publishes the following Schengen rates:
| Duration | Individual | Family |
|---|---|---|
| 7 Days | PKR 1,600 | PKR 2,650 |
| 10 Days | PKR 2,150 | PKR 3,450 |
| 15 Days | PKR 2,300 | PKR 3,910 |
| 21 Days | PKR 2,875 | PKR 4,600 |
| 31 Days | PKR 3,450 | PKR 5,520 |
| 62 Days | PKR 5,233 | PKR 9,200 |
| 92 Days | PKR 6,095 | PKR 11,500 |
| 180 Days | PKR 8,625 | PKR 13,800 |
| 365 Days | PKR 13,225 | PKR 20,700 |
A Schengen policy generally needs to meet the applicable visa insurance requirements, including the required level of medical coverage and repatriation.
Do not choose a Schengen policy based only on its price. Check that the policy meets the requirements for your visa application.
Travel insurance pricing can also be different for destinations such as the USA, Canada and UK.
TripInsurance.pk currently publishes these rates for individual and family coverage:
| Duration | Individual | Family |
|---|---|---|
| 7 Days | PKR 2,530 | PKR 5,060 |
| 10 Days | PKR 3,163 | PKR 6,325 |
| 15 Days | PKR 3,853 | PKR 7,705 |
| 21 Days | PKR 4,658 | PKR 9,315 |
| 31 Days | PKR 6,181 | PKR 12,363 |
| 62 Days | PKR 7,820 | PKR 16,675 |
| 92 Days | PKR 11,270 | PKR 20,700 |
| 180 Days | PKR 16,675 | PKR 25,300 |
| 365 Days | PKR 17,250 | PKR 32,200 |
The published pricing page notes that the price depends on factors such as age, duration and coverage level.
The destination can have a significant effect on the premium.
Medical expenses and insurance risks are not identical in every country. This is one reason providers may separate their products into geographical categories.
For example, TripInsurance.pk has separate pricing structures for worldwide destinations, Schengen countries, and USA/Canada/UK.
Before comparing two prices, make sure they actually cover the same geographical area.
A PKR 1,000 worldwide policy is not automatically cheaper than a PKR 2,500 Schengen policy if the two products are designed for different destinations and coverage requirements.
Your travel insurance premium can change because of several factors.
Different destinations can have different pricing structures.
Schengen, worldwide, USA/Canada/UK and other regions may be priced separately.
The longer you need protection, the more the policy may cost.
Age can affect eligibility and pricing, especially for older travelers.
Adamjee, for example, publishes specific conditions and additional pricing for senior-age extensions in some plans.
A family policy naturally covers more people than an individual policy, so the total premium can be higher.
Higher medical limits and additional travel benefits can increase the premium.
Basic, standard, premium, student and other specialized plans can have different pricing.
Long-term student and multi-trip policies follow different pricing structures from short holiday insurance.
Looking only at the premium can make two policies appear similar when their benefits are actually very different.
| Factor | Basic Plan | Higher-Coverage Plan |
|---|---|---|
| Premium | Lower | Higher |
| Medical Protection | Basic limits | Higher limits |
| Emergency Evacuation | May be included | Usually broader limits |
| Baggage Protection | Lower limits | Higher limits |
| Trip Disruption | Limited | More extensive |
| Best For | Budget-focused travelers | Travelers wanting broader protection |
| Main Advantage | Lower upfront cost | More protection |
Adamjee's current published travel insurance page demonstrates this difference clearly through separate Economy, Secure Advance and Secure Supreme products with different premiums and benefit limits.
“Which policy is cheapest?”
It is:
“Which policy gives me enough protection for the price I am paying?”
Cheap and good-value are not always the same thing.
A cheap policy may be perfectly suitable if you only need basic protection for a short trip.
But another traveler may need:
The second policy may cost more but provide better protection for that particular traveler.
Students often have completely different insurance needs from tourists.
A student traveling abroad may require coverage for six months, one year, or longer.
TripInsurance.pk currently lists student travel insurance starting at:
| Duration | Published Premium |
|---|---|
| 180 Days | PKR 14,950 |
| 365 Days | PKR 21,850 |
| 2 Years | PKR 42,550 |
These student plans are designed around longer-duration international study and visa-related needs.Adamjee also publishes separate student plans, with its current pricing showing different premiums for six-month and one-year student coverage.
A student should not choose a policy simply because it has the lowest short-term premium.
Families should compare the cost of individual policies against the provider's family option.
A family policy may be more convenient, but the actual value depends on:
For example, tripInsurance.pk publishes separate individual and family rates for worldwide, Schengen and USA/Canada/UK travel.
These details can make a bigger difference than a small change in the premium.
Not necessarily.
A higher premium can provide higher limits or additional benefits, but price alone does not determine whether a policy is right for you.
For example, Adamjee publishes several international plan levels with different premiums and benefits, showing that travelers can choose between different coverage structures rather than simply paying for one universal policy.
Before choosing an expensive plan, ask:
Depending on the plan, travel insurance may provide protection for:
The exact limits and exclusions vary between insurers and plans.
Travelers should always read the policy wording instead of assuming that every unexpected event is covered.
Depending on the policy, exclusions may include:
Always check the actual policy wording before purchase.
A good comparison should follow more than just the premium.
Use this checklist:
| What to Compare | Why It Matters |
|---|---|
| Price | Your total premium |
| Destination | Confirms geographical validity |
| Duration | Determines how long you are protected |
| Medical Coverage | Important for unexpected treatment |
| Evacuation | Useful during serious emergencies |
| Repatriation | Protection for eligible return arrangements |
| Baggage | Helps with covered baggage incidents |
| Cancellation | May protect eligible prepaid costs |
| Exclusions | Shows what is not covered |
| Claim Process | Important if you need to use the policy |
| Assistance | Helps during emergencies abroad |
This is the difference between price shopping and smart insurance comparison.
If your goal is to save money, don't automatically choose the cheapest policy.
Instead:
Don't pay for geographical coverage you don't need, but don't accidentally buy a plan that excludes your destination.
Don't purchase unnecessary extra days, but make sure the policy covers your complete journey.
Families may find a suitable family plan more convenient than separate policies.
A small difference in premium can sometimes provide significantly different benefits.
A cheap policy is not useful for a situation that the policy excludes.
Online comparison can make it easier to review available plans and premiums before purchasing.
It is normal for different insurers to charge different premiums for apparently similar travel insurance.
The difference can come from:
Adamjee currently publishes multiple international plan structures with different premiums and benefits, while UIC provides an online travel premium calculator where travelers can select region, plan, duration and traveler type.
Therefore:
A cheaper premium does not automatically mean a better policy.
Travel insurance can also be relevant to overseas Pakistanis who travel internationally or visit Pakistan as part of a wider journey.
If you already have health or travel insurance through another provider, first check whether your destination and travel period are covered.
If you are not covered, compare a suitable travel policy based on:
This is especially important when a traveler is moving between countries rather than taking a simple round-trip holiday.
There is no single price that is best for everyone.
A student going abroad for one year has different requirements from a family visiting Europe for two weeks.
Similarly:
So instead of asking:
“What is the cheapest travel insurance in Pakistan?”
ask:
“What is the lowest price for suitable coverage for my specific trip?”
That is a much more useful way to compare policies.
Travel insurance prices in Pakistan can vary significantly according to destination, duration, age, traveler type and coverage.
Current published prices demonstrate this clearly. Worldwide policies can start at a relatively low premium for short trips, while Schengen, USA/Canada/UK, student and higher-coverage policies can cost more.
Before purchasing, compare:
Price → Destination → Duration → Medical Coverage → Benefits → Exclusions → Claim Conditions
TripInsurance.pk currently provides destination-specific pricing pages where travelers can compare available plans online for worldwide, Schengen, USA/Canada/UK and student travel.
The goal is not simply to find the lowest number.
The goal is to find suitable travel protection at a price that makes sense for your trip.
Travel insurance prices vary by destination, duration, age and coverage. Current published examples range from around PKR 805 for some short worldwide individual plans to several thousand rupees for destination-specific and higher-coverage policies.
The cheapest option depends on your destination, duration and required coverage. A short worldwide policy can cost less than a Schengen or USA/Canada/UK plan. Always compare the benefits before choosing based only on premium.
The price depends on the destination and plan. Current published examples include PKR 805 for worldwide individual coverage, PKR 1,600 for Schengen individual coverage, and PKR 2,530 for USA/Canada/UK individual coverage.
Current published TripInsurance.pk rates start at PKR 1,600 for 7-day individual Schengen coverage, with the price increasing according to duration and traveler type.
Family policies generally have a higher total premium because they cover multiple travelers. However, the actual price depends on the insurer, number of travelers, ages, destination and duration.
Yes. Age can affect eligibility, pricing and available coverage, particularly for older travelers. Some insurers apply specific senior conditions or additional premiums.
Student insurance is often designed for much longer periods than normal holiday insurance. Current published student plans can cover six months, one year or two years, so the total premium depends heavily on duration and selected coverage.
A travel insurance policy may cover eligible emergency medical expenses, but the amount depends on the selected plan. Always check the medical limit, exclusions and policy wording before purchasing.
Yes. Pakistani travelers can compare and purchase many travel insurance plans online. UIC also provides an online premium calculator where travelers can select their region, plan, duration and traveler type.
Not always. Compare the premium with medical coverage, emergency assistance, evacuation, repatriation, baggage benefits, exclusions and claim conditions before making a decision.
The travel insurance price in Pakistan depends on much more than the number shown beside a plan.
Your destination, trip duration, age, traveler type and coverage level all influence the final premium.
A short worldwide trip may be covered by a relatively inexpensive plan, while Schengen, USA/Canada/UK, student, family or long-duration travel can require a different level of protection.
The smartest approach is simple:
Know your destination → know your dates → compare prices → compare coverage → check exclusions → choose the policy that fits your trip.
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