Information Guide
Travel Insurance for Pakistani Travelers
Find out if travel insurance is mandatory for your visa, what coverage you need, and which providers cover Schengen requirements.
Is Travel Insurance Mandatory for My Visa?
Select your destination country to find out the travel insurance requirement.
Schengen Travel Insurance — What Your Policy MUST Include
Schengen countries legally require travel insurance with specific minimum requirements. Your visa application will be rejected without it.
Travel Insurance Provider Comparison
Providers available to Pakistani travelers. Always read the policy details before purchasing.
| Provider | Max Coverage | Approx. Cost | Schengen Compliant | Notes |
|---|---|---|---|---|
| EFU Life Insurance (Pakistan) | Up to $50,000 | PKR 2,500–8,000 (7–14 days) | Yes | Available at VFS offices. Widely accepted for Schengen applications. |
| Jubilee General Insurance | Up to $100,000 | PKR 3,000–10,000 (7–14 days) | Yes | Pakistan-based insurer. Good coverage for Schengen. Available online. |
| IGI General Insurance | Up to $50,000 | PKR 2,000–7,000 (7–14 days) | Yes | Available through travel agents and online. Schengen compliant policies. |
| SafetyWing (International) | Up to $250,000 | $45/month (worldwide) | Yes | Popular with digital nomads. Nomad Insurance product covers Schengen. |
| World Nomads (International) | Up to $100,000 | $60–100 for short trips | Yes | Comprehensive coverage. Available online. Good for adventure travel. |
| AXA Travel Insurance | Up to €100,000 | Varies by plan | Yes | International provider. Policy available through VFS application centers. |
| Allianz Travel Insurance | Up to $250,000 | Varies by plan | Yes | Globally recognized. Available through their website for Pakistani travelers. |
Prices are approximate and subject to change. Always verify current pricing and policy terms directly with the provider. This is not an endorsement of any specific provider.
What to Look for in a Policy
- ✓ Medical coverage of at least €30,000 (for Schengen)
- ✓ Emergency evacuation / repatriation cover
- ✓ Trip cancellation and interruption coverage
- ✓ Coverage for your exact travel dates
- ✓ 24/7 emergency assistance hotline
- ✓ Clear claims process and contact details
- ✓ Coverage for the specific countries you're visiting
Common Mistakes to Avoid
- ✗ Buying the cheapest policy without checking Schengen compliance
- ✗ Getting coverage only for the main Schengen country (must be all 27)
- ✗ Coverage ending before your actual return date
- ✗ Not reading the exclusions (pre-existing conditions, adventure sports)
- ✗ Not carrying a printed copy of the policy
- ✗ Purchasing insurance after submitting the visa application
Frequently Asked Questions
Yes, but you need to submit proof of insurance with your visa application. So you must purchase it before applying. Make sure the dates match your intended travel.
Most providers allow date amendments for a small fee. Contact your insurer as soon as your travel dates change.
It varies by provider. Confirm COVID-19 coverage specifically before purchasing. Many international providers now include COVID-19 medical coverage as standard.
Yes — EFU, Jubilee, and IGI all offer Schengen-compliant policies from Pakistan. They are accepted by Schengen embassies.
The insurance certificate/policy document showing your name, coverage amount, validity dates, and the coverage territory (Schengen countries).
Often yes — if travelling as a family or group, ask your insurer about group policies which are usually 10–20% cheaper than individual policies combined.