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Travel insurance is the safety net that keeps a trip from turning into a financial disaster. From unexpected medical bills to flight cancellations and lost baggage, a good travel insurance policy protects your money and removes the stress that comes with unforeseen events. In this guide we explain how travel insurance pays for itself, walk through a real-life case study, and show how Malik Express bundles travel insurance with visa, flight and hotel support so you can plan and travel with confidence.
Medical costs, complex visa rules, and rising travel prices mean that one unexpected event can wipe out your savings. Travel insurance protects you from:
Many consulates and visa processes still require proof of medical coverage that meets minimum standards. For example, Schengen visa applicants must have travel medical insurance with at least €30,000 in cover for medical emergencies, repatriation and hospitalization.
Here are the concrete ways a travel insurance policy can keep cash in your pocket:
Healthcare costs in some countries are very high. A single emergency room visit, surgical procedure, or hospital stay can cost thousands of dollars. Travel insurance with emergency medical coverage pays those bills, so you do not have to drain savings or take on debt.
If local healthcare can’t treat you, you may need an air ambulance or medically equipped transfer. These evacuations can run into tens or even hundreds of thousands of dollars; an evacuation to another country may cost far more than routine medical care. Having evacuation coverage keeps you from facing catastrophic out-of-pocket costs. Estimates show air ambulance transfers can cost tens of thousands up to well over one hundred thousand dollars in extreme cases.
If illness, a family emergency, or a covered event forces you to cancel, trip cancellation coverage reimburses prepaid, non-refundable expenses-flights, hotels, tours-saving you the full cost of the lost bookings.
Delayed or lost baggage can force you to buy clothes, toiletries, and essentials. Baggage coverage reimburses reasonable replacement costs so you do not pay out of pocket for basic needs while waiting for your luggage.
Some policies include personal liability and legal assistance if you accidentally damage property or need legal help abroad. These protections prevent unexpectedly large bills and legal costs.
Insurers’ global assistance teams can often find the most economical, safe treatment options and coordinate care-saving money and preventing the costly mistakes travellers trying to arrange care by themselves might make.
Travel insurance typically costs a small percentage of your trip value. Industry analyses show policies often average between roughly 4% and 6% of total trip cost, depending on destination, traveller age, and coverage level. For many travellers, paying 4%-6% of trip cost avoids the risk of losing 100% of prepaid expenses or facing huge medical or evacuation bills.
To judge value, compare the premium to the potential financial exposure:
Choose a policy that covers the following core items to maximize value:
A traveller books a trip from Pakistan to Europe. They buy a flight ticket and hotel stay worth roughly $4,500 (flights + hotels + sightseeing). A few days before departure, a close family member falls ill - making travel impossible. Because flights and hotels were non-refundable or had strict cancellation rules, losing that entire amount was a serious risk.
Thanks to a comprehensive travel insurance policy obtained via Malik Express (covering trip cancellation, medical emergencies and reimbursement of non-refundable costs), the traveller was able to submit a claim. The insurance reimbursed the full amount of prepaid and non-refundable expenses, saving them all $4,500.
Another Scenario: A different traveller became seriously ill while on holiday in a country where medical care was very expensive. Without travel insurance, hospital bills, emergency treatment, and possible medical evacuation would have cost tens of thousands of dollars. But because the traveller had purchased a policy via Malik Express that included emergency medical coverage and medical evacuation, all medical costs - including hospitalisation and evacuation - were handled by the insurer. The traveller was able to get proper care without paying thousands out of pocket.
Planning a trip involves many moving parts. Malik Express is designed to reduce both cost and stress by offering a one-stop solution for all travel needs:
Malik Express offers travel insurance plans tailored to your trip type-single trip, multi-trip, student, family or business. Our policies include:
Buying through Malik Express means dedicated support during purchase and help with any document you need for visa submission.
Our flight booking service searches competitive fares and provides simple itinerary options. When travel disruptions occur, Malik Express support helps you understand your insurance options and assists with rebooking or initiating claims when flights are cancelled or delayed.
Book hotels directly through Malik Express and combine convenience with transparent pricing. If a covered event forces a trip interruption, we can help coordinate refunds or apply insurance-supported reimbursements.
Applying for visas is stressful and time-sensitive.
Malik Express provides:
When your insurance, flights, hotels and visa support are coordinated by the same team, you avoid:
Travel insurance isn’t about expecting something bad to happen -it’s about protecting yourself against high-cost emergencies or sudden disruptions that could wipe out a travel budget
Malik Express brings everything together under one roof: reliable travel insurance, flight bookings, hotel reservations, and visa support. That combination reduces administrative hassle, speeds up problem resolution, and saves money in the long run. Travel smarter in 2026-secure the right travel insurance, book with confidence, and let Malik Express handle the logistics so you can focus on the experience
Buy international travel insurance online through Malik Express by filling out a short form. Policies are issued instantly
Travel insurance for Canada is highly recommended because medical treatment there is expensive without insurance. Some visa categories also require coverage
Many embassies require it for visa approval, and it protects you from expensive medical or travel emergencies while outside Pakistan.
Not always, but for international travel, trips with significant prepaid costs, or travel to destinations with expensive healthcare, it is highly recommended.
Costs typically range from about 4%-6% of trip value on average. Age, destination, and coverage levels affect price.
Coverage varies by policy and insurer. Some plans include communicable diseases, others restrict them. Always confirm pandemic-related terms before buying.
Yes. Malik Express offers visa-compliant insurance certificates (for example Schengen-compliant policies with minimum coverage) to meet embassy rules.