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Traveling abroad brings excitement, but it also brings risks. International travel insurance protects your finances and health while you are away from home. For Pakistani travellers-whether you are visiting Europe, Canada, the UK, the Gulf, or studying abroad-choosing the right policy is essential. This guide explains what international travel insurance covers, visa requirements (including Schengen), typical costs, top insurers in Pakistan, and how Malik Express helps you buy the correct policy quickly and securely.
International travel insurance is a short-term or long-term policy designed to cover travellers outside their home country. Core benefits include emergency medical treatment, medical evacuation and repatriation, trip cancellation or curtailment, baggage loss or delay, and travel assistance services. Some plans add cover for adventure activities, business equipment, or extended-stay medical needs for students and expatriates.
This is different from a local health insurance policy: international travel insurance is structured to meet foreign medical costs, emergency evacuations and repatriation - items that domestic policies may not cover or support abroad.
If you are applying for a Schengen visa, consulates require travel medical insurance that meets specified conditions. The policy must be valid across all Schengen states, cover the entire duration of stay, and provide a minimum of €30,000 for medical expenses, including emergency hospitalization and repatriation. Always check your target embassy’s latest checklist before applying.
At Malik Express, we focus on providing travellers with reliable, compliant, and affordable international travel insurance options. As official partners of United Insurance Company (UIC) and Crescent Star Insurance Limited (CSI), we help customers access trusted and comprehensive insurance plans suitable for visas, leisure trips, business travel, studies abroad, and long-term stays.
Both UIC and CSI are well-established Pakistani insurers with strong reputations, transparent claim processes, and policy structures that meet international and Schengen visa requirements. By working closely with these two companies, Malik Express ensures that travellers receive accurate guidance, fast documentation, and policies tailored to their specific destinations.
Founded in 1959, United Insurance Company (UIC) is one of Pakistan’s most reputable insurance providers with over 110+ branches nationwide. UIC’s financial strength and claim-handling capability have earned it a PACRA IFS rating of AA+, a strong indicator of the company’s trustworthiness and stability for policyholders.
UIC Offers a Wide Range of International Travel Insurance Plans, each meeting global standards and visa requirements:
UIC is known for transparent refund policies, extensive customer support, and partnerships with global reinsurance and assistance service providers. This makes it one of the most reliable options for Pakistani travellers seeking worldwide, Schengen, student, or family travel insurance.
Crescent Star Insurance Limited (CSI) is another well-recognized Pakistani insurer offering robust and affordable travel insurance solutions. CSI designs its international travel insurance plans to cover the key risks that Pakistani travellers face during foreign trips.
CSI focuses on offering value-driven travel insurance policies that are easy to purchase, simple to understand, and backed by responsive customer support. Their plans are suitable for travellers visiting Europe, the Middle East, Southeast Asia, Canada, the UK, and other regions requiring verified insurance documents.
There is no single price for travel insurance. Typical factors that affect the premium include:
When selecting a policy, use this checklist:
Decide your destination and travel dates. Visa applications and insurer pricing depend on exact travel dates and countries visited.
Yes. Schengen rules require travel medical insurance with a minimum of €30,000 covering emergency medical expenses, hospitalization and repatriation; the policy must be valid for the entire stay in the Schengen area.
Yes. Many insurers and brokers (including Malik Express partners) provide online purchase and instant policy issuance for Schengen and other destination-compliant plans.
Policies vary: many providers offer flexible endorsement options (date changes, cancellations) for a fee or refund depending on policy terms. Check cancellation and amendment clauses before purchase.
Coverage for pandemics varies by insurer and plan. Check the policy wording for communicable disease clauses and emergency medical coverage related to pandemics.
“Best” depends on your destination, trip length, age, and medical needs. Use Malik Express to compare plans and choose a policy that meets visa and medical requirements.
International travel insurance is an essential part of trip planning for Pakistani travellers in 2026. Whether you need Schengen-compliant cover for a visa, long-stay student coverage, or comprehensive worldwide protection, choose a plan that matches your destination and medical needs. Malik Express partners with trusted insurers-to provide quick online quotes and visa-ready documentation. Get a comparison, select the right plan, and travel with confidence.