Pakistan Travel Insurance
Everything you need to know before your trip
Healthcare Cost Level
Low
Avg. ER Visit
$50
Recommended Coverage
$100,000
Evacuation Risk
High
Insurance Coverage Warning
Some insurers exclude coverage in FATA regions and areas near Afghanistan border due to security concerns
Healthcare in Pakistan
What to expect if you need medical care
Pakistan's healthcare system presents a mixed picture for travelers. While basic costs are relatively low—around $50 for an emergency room visit and $150 per hospital day—the quality of care is limited outside major urban centers. The good news is that English is widely available among medical professionals, making communication easier. However, quality medical facilities are concentrated in cities like Karachi, Lahore, and Islamabad. If you're traveling to rural or mountainous regions, you'll find emergency services severely limited. For serious conditions or injuries, you may need evacuation to a major city or even to India for specialized treatment. The low local costs don't reflect what you'll pay for quality care or emergency evacuation services.
What Your Policy Should Cover
Country-specific considerations for Pakistan
Your policy for Pakistan needs to address several specific challenges. First, ensure you have robust medical evacuation coverage, as this is a high-risk destination for needing emergency transport from remote areas. If you're planning mountaineering or trekking activities, verify that your policy includes high-altitude rescue and helicopter evacuation—these are essential in Pakistan's northern mountains where ground access is often impossible. Coverage for infectious diseases is important given the high risk of dengue fever during monsoon months (July-September) and year-round malaria risk. Be aware that some policies exclude coverage in FATA regions and areas near the Afghanistan border due to security concerns, so check these exclusions carefully if your itinerary includes border areas. Terrorism coverage is also worth confirming given the year-round elevated risk.
Dengue_fever
High Risk
Peak: monsoon (July-September)
Malaria
Moderate Risk
Peak: year-round
Hepatitis_a_b
Moderate Risk
Peak: year-round
Terrorism
High Risk
Peak: year-round
Altitude_sickness
Moderate Risk
Peak: year-round
Activity-Specific Coverage
Mountaineering: High altitude rescue coverage essential, many areas require helicopter evacuation
Trekking: Remote area coverage needed, limited ground access for evacuation
Travel_to_border_areas: May be excluded due to security risks
How Much Coverage Do You Need?
Our recommendation based on Pakistan's healthcare costs
The recommended $100,000 coverage amount reflects Pakistan's high evacuation risk rather than its low basic healthcare costs. While a hospital day costs only $150 locally, evacuating from remote mountainous regions via helicopter can cost tens of thousands of dollars. Quality medical facilities are concentrated in major cities, meaning serious injuries or illnesses in rural areas require expensive transport. If you need evacuation to India for specialized care, costs escalate further. The $100,000 recommendation provides adequate buffer for complex evacuation scenarios combined with extended hospital stays.
Minimum
$50,000
Basic emergencies only
Recommended
$100,000
Full protection
Making a Claim in Pakistan
Tips for smooth claims processing
Documentation Required: Local police reports for theft/incident claims, detailed medical reports in English, receipts for all expenses, embassy notification for major incidents
- Obtain local police reports immediately for any theft or security incident—these are required for claims and can be difficult to get retroactively in Pakistan
- Request all medical reports in English, as documentation quality is critical given the 'difficult' claims environment; ensure receipts are detailed and itemized
- Notify your embassy for any major medical incidents or security-related claims, as this documentation strengthens your claim file
- Keep digital copies of all documentation backed up online, as you may need to provide extensive proof for claims processing
- If traveling to northern mountainous regions, register your itinerary with your embassy and confirm your insurer's emergency contact numbers work from remote areas with limited connectivity
Get Covered for Pakistan
Adventure destinations like Pakistan require solid evacuation coverage. Don't leave without it.
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