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Last updated on 03 Sep, 2026
Planning an international trip from Pakistan and wondering how much travel insurance costs in Pakistan?
The price depends on several factors, including your destination, trip duration, age, number of travelers, travel purpose and the level of coverage you choose.
For some short worldwide trips, published travel insurance prices can start from PKR 805 for 7 days for an individual traveler. Published Schengen rates start from PKR 1,600 for 7 days, while USA, Canada and UK coverage starts from PKR 2,530 for 7 days for an individual traveler.
These are published examples rather than one fixed market-wide price. Your final premium can be different depending on your destination, dates, traveler details and selected plan.
Quick Answer:
Travel insurance prices in Pakistan can start from around PKR 805 for some short worldwide individual trips.
Current published examples include:
| Destination / Plan | 7-Day Individual | 7-Day Family |
|---|---|---|
| Worldwide | PKR 805 | PKR 1,288 |
| Schengen | PKR 1,600 | PKR 2,650 |
| USA / Canada / UK | PKR 2,530 | PKR 5,060 |
The actual premium depends on the destination, duration, traveler age, number of travelers and coverage selected.
Tip: Don't compare travel insurance only by price. A cheaper plan may have different medical limits, benefits, exclusions or conditions.
If you are comparing travel insurance from Pakistan, the destination is one of the first things to check.
A worldwide plan may have a different price from a Schengen plan, while coverage for destinations such as the USA, Canada and UK can follow another pricing structure.
Current published starting examples are:
These figures are useful as a starting point, but they should not be treated as a universal price for every traveler or every insurer.
Trip duration can have a major effect on your travel insurance premium.
The following are the currently published worldwide rates on TripInsurance.pk:
| 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 |
These published rates show why you should not simply multiply a 7-day premium to estimate the cost of a longer policy. Different durations can have different pricing structures and benefits.
If you are travelling to Europe under a Schengen visa, travel insurance is an important part of your visa preparation.
The insurance must satisfy the applicable Schengen requirements, so price should not be the only consideration.
Current published Schengen rates are:
| 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 |
The currently published Schengen pricing page lists these rates and states that pricing varies according to factors such as duration, age and coverage.
Do not select a policy simply because it has the lowest premium.
Before submitting your visa application, confirm that the insurance satisfies the latest applicable requirements for your application, including the required medical coverage and repatriation conditions.
For detailed rates and purchasing options, see our Schengen travel insurance page.
Travel insurance for destinations such as the USA, UK and Canada can have different pricing from worldwide or Schengen plans.
Current published rates are:
| 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 notes that factors such as age, duration and coverage level can affect the premium.
When travelling to the USA, pay particular attention to medical coverage.
Healthcare expenses can be very high, so choosing a policy based solely on the lowest premium may not provide the level of protection you actually need.
Before purchasing, check:
Worldwide travel insurance can be suitable for travelers visiting destinations outside a specific regional category, subject to the policy's geographical coverage.
Current published worldwide individual and family rates range from:
PKR 805 for 7 days to PKR 10,505 for 365 days for individual coverage, while published family rates range from PKR 1,288 for 7 days to PKR 17,710 for 365 days.
However, always check the geographical definition of "worldwide" in the actual policy before purchasing.
Student travel insurance is different from ordinary holiday insurance because students may need coverage for much longer periods.
Current published student travel insurance examples include:
| Duration | Published Premium |
|---|---|
| 180 Days | PKR 14,950 |
| 365 Days | PKR 21,850 |
| 2 Years | PKR 42,550 |
The final price can depend on the student's destination, duration, age, required coverage and policy conditions.
Students should also check whether their university, visa application or destination has specific insurance requirements.
For detailed information, see our student travel insurance guide.
Family travel insurance covers multiple travelers under a suitable family arrangement.
The total premium can depend on:
For example, the currently published 7-day family rates are:
Before buying family travel insurance, check whether the medical limit applies per person or to the policy as a whole and confirm who is included in the family definition.
There is no single price for every traveler.
Your premium can change because of several factors.
Different geographical regions can have different pricing structures.
For example, worldwide, Schengen and USA/Canada/UK plans may have different rates.
A 7-day trip generally has a different premium from a 30-day, 90-day or one-year policy.
Age can affect eligibility, pricing and available policy options, particularly for older travelers.
A family policy covers more people than an individual policy, so the total premium is naturally different.
Policies with different medical limits can have different premiums.
Tourist, student, family, single-trip and other specialized plans may use different pricing structures.
Benefits such as cancellation, baggage protection, emergency evacuation and other features can affect the total cost.
Deductibles, exclusions, eligibility rules and geographical coverage can also influence the value of a policy.
You may see different prices for policies that appear similar.
This does not automatically mean that one insurer is overpriced or another is offering a better deal.
Price differences can result from:
That's why a proper comparison should look at price and coverage together.
Consider these factors before choosing a plan:
| What to Compare | Why It Matters |
|---|---|
| Premium | Total amount you pay |
| Destination | Confirms where the policy is valid |
| Duration | Determines protection period |
| Medical Limit | Important for unexpected treatment |
| Emergency Evacuation | Useful during serious emergencies |
| Repatriation | Important for eligible return arrangements |
| Baggage Protection | Helps with covered baggage incidents |
| Cancellation | May protect eligible prepaid expenses |
| Exclusions | Shows what is not covered |
| Deductible | Amount you may have to pay yourself |
| Claims Process | Important if you need to use the policy |
| Emergency Assistance | Helps when something goes wrong abroad |
The cheapest premium isn't necessarily the lowest-cost option if the policy does not provide suitable protection for your trip.
If you're searching for cheap travel insurance in Pakistan, price is obviously important.
But there is a difference between:
Cheap insurance
and
Good-value insurance.
A low-cost policy may be perfectly suitable for a short trip with basic requirements.
Another traveler may need:
In that situation, paying slightly more may provide more appropriate protection.
So instead of asking only:
“What is the cheapest travel insurance in Pakistan?”
ask:
“What is the lowest price for suitable coverage for my trip?”
That's the better way to evaluate travel insurance.
You don't necessarily need the most expensive plan.
You can keep your costs reasonable by:
Don't purchase a geographical category you don't need—but make sure your destination is actually covered.
Don't pay for unnecessary extra days, but ensure your entire journey is covered.
If you're travelling with family, compare the available family option against individual policies.
A small premium difference can sometimes mean significantly different benefits.
A low premium isn't useful if an important situation is excluded from the policy.
Review the available options before making your final decision.
Not necessarily.
A higher premium can provide higher limits or additional benefits, but price alone doesn't tell you whether a policy is suitable.
For example, two plans may have different premiums because one provides higher medical limits or broader benefits.
Before choosing a more expensive policy, ask:
Depending on the selected plan, travel insurance may provide protection for:
The exact benefits, limits and exclusions depend on the policy.
If you want a broader explanation of travel insurance itself, read our guide on what is travel insurance.
Travel insurance does not cover every possible event.
Depending on the policy, exclusions or limitations may include:
Always read the actual policy wording before purchasing.
Don't compare premiums alone.
Use this simple process:
1. Check the destination
Make sure your country or region is covered.
2. Check the duration
Your policy should cover the complete journey.
3. Compare the premium
Look at the total amount payable.
4. Compare medical coverage
Review the maximum medical benefit.
5. Check evacuation and repatriation
These can be important during serious emergencies.
6. Review exclusions
Know what the policy doesn't cover.
7. Check visa requirements
Especially for destinations where insurance is part of the visa process.
8. Review claims and assistance
Know what to do if you need help abroad.
For a dedicated comparison guide, see our travel insurance comparison article.
Yes. Many travel insurance options can be compared and purchased online.
Online purchasing can make it easier to:
Before completing the purchase, verify your name, passport details, destination and travel dates.
For the complete online-purchase process, see our guide to online travel insurance in Pakistan.
Before paying for a policy, check:
☑ Destination is covered
☑ Travel dates are correct
☑ Premium is within your budget
☑ Medical coverage is suitable
☑ Emergency evacuation is included where required
☑ Repatriation conditions are understood
☑ Baggage benefits are suitable
☑ Cancellation coverage is understood
☑ Deductible is acceptable
☑ Exclusions have been reviewed
☑ Visa requirements are satisfied
☑ Claims procedure is clear
☑ Emergency assistance is available
The travel insurance price in Pakistan depends on more than the number displayed beside a plan.
Destination, trip duration, age, number of travelers, travel purpose and coverage level can all influence the final premium.
Current published examples show that some 7-day worldwide individual plans start at PKR 805, while published 7-day individual rates start at PKR 1,600 for Schengen and PKR 2,530 for USA/Canada/UK.
The smartest approach is:
Know your destination → check your dates → compare prices → compare coverage → review exclusions → choose suitable protection.
If you're ready to check the latest available options, compare travel insurance plans based on your destination and travel dates before buying.
Travel insurance prices vary according to destination, duration, age, traveler type and coverage. Current published examples include PKR 805 for some 7-day worldwide individual plans, PKR 1,600 for 7-day Schengen individual coverage and PKR 2,530 for 7-day USA/Canada/UK individual coverage.
The cheapest option depends on your destination, travel duration and required coverage. A short worldwide plan can have a lower premium than a Schengen or USA/Canada/UK plan. Compare the complete policy before choosing based only on price.
The price depends on the destination and selected plan. Current published examples are 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 Schengen rates start from PKR 1,600 for 7-day individual coverage. The price increases according to duration and traveler type.
Current published USA/Canada/UK individual rates start from PKR 2,530 for 7 days. Longer-duration policies have different premiums.
UK travel insurance pricing depends on the policy, duration, age and coverage. Current published USA/Canada/UK rates start from PKR 2,530 for 7-day individual coverage.
Yes. Age can affect eligibility, pricing and available coverage, particularly for older travelers.
Not necessarily. A family policy covers multiple travelers, so the total premium can be higher. Compare the total family premium and benefits with the available individual options.
Current published student insurance examples are PKR 14,950 for 180 days, PKR 21,850 for 365 days and PKR 42,550 for two years. Actual pricing depends on the selected policy and traveler details.
Yes. Travelers can compare available plans and purchase suitable travel insurance online where online issuance is supported.
A policy may cover eligible emergency medical expenses, but the amount and conditions depend on the selected plan. Always check medical limits and exclusions.
Different insurers can use different pricing structures, medical limits, benefits, geographical categories, deductibles, age conditions and exclusions. Therefore, two policies with similar-looking premiums may not provide identical protection.
Not necessarily. A higher premium may provide higher limits or additional benefits, but the right policy depends on your destination and specific requirements.
You should generally arrange travel insurance before your trip. If you want cancellation protection, check the policy conditions because some plans have specific purchase timing requirements.
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