Travel Insurance

Choose from International, Domestic, Student, Hajj & Umrah and Ziarat Insurance

About Travel Insurance

Plan your next trip anywhere in the world without worrying about unforeseen incidents. TPL Travel Insurance facilitates you while you’re on the go.


Travel safer and smarter and let TPL Insurance take care of you while you’re busy achieving your travel goals. From medical emergencies to flight delays or cancellations, we are here to assist you 24/7 through our Mobile App and Call center.


For your complete peace of mind, get the best travel insurance that comes with:


The Fastest Claim Settlement


Unparalleled Value Added Provisions


24×7  call centre and Mobile App

Our Packages

Domestic Travel Insurance

Don’t fear for the unforeseen incidents anymore. TPL Insurance protects you while you travel domestically. From loss of baggage to medical emergencies and trip cancellation, we are here to assist you to make your trip safer and better.

International ViaCare

Fulfil your travel goals fearlessly via TPL International Travel Insurance. We take your international travels very seriously and cover you against the widest range of emergencies including flight delays, unexpected injuries, baggage loss, emergency return to home, hijacking and much more.

Hajj/ Umrah

While you perform hajj / umrah we take care of any unforeseen incidents that might happen. Get the best hajj/ umrah travel insurance through TPL Insurance and have a blessed experience throughout your journey.


Free yourself of worldly fears and attain the blessings of Ziarat with a comprehensive package.

Student Guard

Focus on your studies in a foreign country and let TPL Insurance take care of any incidents on the go. TPL Insurance contributes in your hustle by protecting you from health and travel accidents. Get coverage against flight delays, personal liabilities and assistance now.

Coverage's & Pricing

How to Buy

3 easy simple step approach

Step 1

Visit our website/download our app

Step 2

Provide your information

Step 3


You're Insured

How to Claim?

Claim intimation channels

Required Information/ Documents

• Claim Form
• Invoices
• Airline Ticket
• Passport copy

TPL Insurance will review your claim and approve it with 4 easy steps

Step 1

Claim intimation received

Step 2

Verify the policy and premium details with CRM

Step 3


Claim approved!

Frequently Asked Questions

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  • Why do I need travel insurance?

    One usually travels abroad for various reasons- a pleasure trip, a business trip, a study trip, religious trip etc. You do not want anything to ruin your hard earned holiday, religious obligation, foreign study or your crucial business meeting. But there is a possibility of some unexpected occurrence no matter how perfect the planning is. Unfortunate events such as baggage loss, passport loss, a medical emergency or an accident can affect you. Having Overseas Travel Insurance protects you from all such perils. It ensures that in the unknown foreign land, you are not left stranded in any kind of an emergency. For detailed coverage’s you can visit our site.

  • Do I need to take travel insurance each time I make a trip or is one policy valid multiple trips made over a period of time?

    You can either choose a Single Trip or a Multiple Trip policy. If you choose a Single Trip policy, the cover will be valid for the duration of the trip, (as selected by you). The durations available differ from company to company.

    If you choose a Multiple Trip policy, the cover will be valid for one year from the start date of the policy. The maximum duration per trip under this option is 60 days.

    An annual multiple trip policy is more suitable for anyone who is likely to travel more frequently.

  • Who can take travel insurance?

    Any person going abroad can take overseas travel insurance – a tourist, a businessman or a corporate executive, student, a person visiting his family members.

  • Is travel insurance mandatory for all countries?

    Travel insurance is mandatory for Schengen visa countries. The Schengen visa basically allows the visa holder to travel to any (or all) member countries using one single visa, thus avoiding the hassle and expense of obtaining individual visas for each country. This is particularly beneficial for persons who wish to visit several European countries during the same trip.

    Travelers obtain the visa from the Consulate of the country of their main destination. If your main destination cannot be determined, the country you first enter is responsible for granting your visa.

    One thing many travelers may not know about the Schengen visa application process, however, is that they must provide proof of health insurance to obtain it. The insurance is designed to pay expenses that might arise in connection with repatriation for medical reasons, urgent medical attention, and/or emergency hospital treatment.

    Since June 2004, travelers who are subject to the visa requirement to stay or transit in one or several Schengen countries must demonstrate, in support of their visa application that they are in possession of adequate and valid travel insurance. In other words, without travel insurance, the visa will not be issued.

    Though all Schengen countries are in Europe, travelers should not confuse Schengen countries with European Union (EU) countries. Schengen and EU demarcate two different agreements between European countries. The Schengen area consists of 15 countries within the Europe zone: Austria, Germany, Belgium, Denmark, Finland, France, Greece, Iceland, Italy, Luxemburg, Norway, Portugal, Spain, Sweden and The Netherlands. Certain states, two of them being significant members of the European Union (the United Kingdom and Ireland), do not belong to the Schengen area. Two other countries, Norway and Iceland, while not members of the European Union, are nevertheless part of the Schengen area. In regards to France and the Netherlands, the Schengen Convention only applies to their European territories. The Principality of Monaco, for example, allows entry on its territory without any formality to the holder of a Schengen visa.

    Schengen visa insurance requirements: Medical insurance for the Schengen visa must meet the following requirements:

    1. Medical coverage of at least Euro 30,000.
    2. Medical evacuation/ repatriation must be covered.

    It would be a wise idea to carry traveler’s insurance no matter what the destination, and this requirement for the Schengen visa should not be something travelers resist, but rather view as a welcome formality.

    Even if you are travelling to countries where travel health insurance is not mandatory, it would be wise to carry traveler’s insurance as it protects the traveler in the event of emergencies or circumstances that create any type of interruption or disturbance in the trip plans. Travel insurance is basically a means to minimize the financial risks that can occur due to Medical emergency, Trip Cancellation/Interruption, Passport loss and legal expenses, Events like delay or missed departure, loss or delay in arrival of baggage, etc.

  • What are the things to look for while choosing a travel insurance plan?

    Given below are some factors you may consider while selecting an appropriate travel insurance plan.

    1. Purpose of visit: Choose a plan according to your needs whether you are going for study, business, family visit, single trip or are a frequent flier, going for pilot training, professional sports etc.
    2. Sub limits if any: It is very important to note that the insurance plan chosen has certain sub limits. At the time of claim you will get claim for sub limits given in plan, for example if plan says room rent sublimit of $500 per day, it means for room rent, you will get $500 only, and if you have taken room with higher room rent then balance will be borne by you.
    3. If your stay is likely to be extended, choose a plan which is extendable and also see premium for total duration as some companies charge extension premium for your total stay i.e. original period and extended period minus premium already paid. Plans for shorter duration are cheaper and as duration increases it becomes expensive. It is advisable to get from us extension premium if your stay is likely to be extended.
    4. If your stay is likely to be cut short i.e. you are not sure about travel duration, choose a plan where there is an option of refund on early return.
    5. If you have a preexisting condition, select a plan which covers the same in emergency situations to make person stable.
    6. Per illness limit if an. If plan has such condition, it means for any one illness you will get claim upto per illness limit given in plan. For example if plan chosen by you says per illness limit is $10000, then you will get only $10000 for any one illness, even if you have chosen plan for higher sum insured, so it is very important to see that plan has per illness clause or not, as virtually you are taking higher sum insured but practically you will get claim for one illness only the limit plan has.
    7. Co-payment if any. If your plan has Co-payment clause, it means for every claim you have to pay co pay limit given in plan. For example, your plan says co-payment of 10%, it means for every claim, you have to pay 10% and balance 90% will be paid by insurer.
  • I have already left Pakistan and forgot to take travel health insurance, can I till buy?

    Yes, some insurers provide cover after departure and subject to the condition that you are in good health. Please note that to give such a cover is the sole discretion of the insurer. However if you provide us your data we’ll process your application from here.

  • My travel medical policy has expired and I forgot to extend the same. Can I get it extended now?

    It is Insurance Company’s discretion to extend insurance policy.

  • Can I buy overseas travel insurance if I am traveling on an immigrant visa?

    Yes, you can buy Overseas Travel Insurance even if you are traveling on an immigrant visa (e.g. H1-B Visa, Work permit, Green Card or Permanent Residency (PR)). However, the maximum duration of your policy can only be 60 days. After 60 Days, You need to purchase the Policy from the country you are immigrating.

  • I want to purchase travel insurance and want to know how will you deliver the policy?

    We’ll e-mail the policy to your email address. Upon your request we can also dispatch the policy to your door step.

  • I have taken travel insurance policy but there are some mistakes like spelling, address, passport number, nominee name. What can I do?

    You will get the endorsement on the same day if your policy has not started. But if your policy has already started, endorsement can only be made after proper evidence for the required change is given.

    If you are in a hurry and have to leave immediately, it is advisable to buy a new policy and inform us for cancellation of your earlier policy. The amount will be refunded to you within 7 working days

  • What is a definition of family?

    A family is defined as husband & Wife and dependent children under 18 years old.

  • Can travel start out of Pakistan?

    No, travel must always commence from Pakistan

  • Is travel insurance available for Non-residents of Pakistan?


  • I’ve purchased ticket for my overseas trip and my travel itinerary is final. When should I buy my travel insurance policy?

    Once you have purchased the air tickets and/or made hotel and other bookings, you have already spent a large chunk of your trip budget. It is best to buy your travel insurance policy soon after you buy your tickets and make bookings as many policies offer trip cancellation and interruption benefit wherein the Company will pay this benefit up to the Sum Insured as specified in the policy for trips that are canceled before the scheduled departure date due to certain specified reasons. The Company will reimburse for the forfeited, nonrefundable prepaid payments, made prior to the Insured Person’s departure date.

    Before departure you can even cancel your policy by paying a minimal charge. So, there is no harm in buying your policy. Don’t wait till the last minute to buy your travel insurance as sometimes, server issues or payment issues might also be there due to which you may have to buy a plan different from the one you have selected.

    Note: Please check plan benefits while buying travel insurance whether trip cancellation is covered or not. Also refer policy wording to check the circumstances under which this benefit is payable.

  • Can a minor become an assignee in travel insurance?

    No, an assignee should be 18 years old, holding a valid CNIC and have blood relationship with Insured.

  • When does the travel insurance cover begin?

    The travel insurance cover commences on the date specified in the Policy Schedule or the time you board the conveyance to leave for onward overseas journey or the Departure Date as per the policy, whichever is later.

    If you are starting your journey after 15 days from the travel start date mentioned on your policy then your policy becomes invalid, so get your policy revalidated and travel start date on it changed. If your travel start date has not begun, you can simply put request for change of travel date and if travel start date has begun then you need to send us the passport copy as proof that you have not travelled and date needs to be changed.

  • Is pregnancy covered in overseas health insurance policy?

    No, in fact it is one of the exclusions of travel health insurance.

    Medical treatment of typical symptoms suffered during pregnancy and their consequences, including changes in other chronic conditions as a result of pregnancy is not covered.

    Any medical check-ups during pregnancy or treatment of the pregnancy are also not covered.

  • What is the point of buying overseas medical insurance if it does not cover preexisting medical conditions? These are the one who needs to get covered. Probability of other illness is very low anyway.

    Even though the insurance will not cover pre-existing conditions, it will cover other conditions that were not pre-existing or unrelated to pre-existing conditions. The basic purpose of insurance is to cover you against the unexpected, unforeseen circumstances. You may be worried about the pre-existing conditions. However, you never know what may happen in future. A person may get into any health problem such as weather change, allergies in a new place, change of food, cold, fever, flu, diarrhea, pneumonia, food poisoning, snake bites, getting hit by car, falling in snow, or any other small or big health problems like urine infection, heart attack for reasons not related to pre-existing conditions. Therefore, it is advisable to buy health insurance for those traveling abroad.

  • My mother has diabetes and she needs to take insulin injection every day. Is this covered in overseas medical insurance?

    No. That would be considered as a pre-existing condition and hence would NOT be covered.

  • Is there a cover for preexisting medical conditions?

    Preexisting diseases are excluded from the scope of travel health insurance policies.

  • What are preexisting conditions?

    A condition for which medical care, treatment, or advice was recommended by or received from a Physician within a two year period preceding the effective date of coverage or a condition for which hospitalization or surgery was required within a five year period preceding the effective date.

  • What happens when my baggage is delayed for more than one day but is not lost? Will I get some compensation?

    We cover baggage delay if the baggage is delayed for more than 8 hours. Compensation is given for emergency items purchased like medicines, clothing and toiletries. You will have to provide receipts for the same. If your baggage is lost, then compensation is given for the market value of the items lost subject to coverage and limits specified in your policy.

  • If I lose my passport, will that be covered under overseas medical insurance?

    Loss of passport is covered as per limits prescribed under the terms and conditions of policy. Please check the coverage offered by the specific plan that you choose.

  • My parents are quite healthy and are visiting abroad. Do we really need overseas medical insurance for them?

    Overseas medical insurance is for future financial protection for medical problems. As future medical problems or injuries/accidents can’t be predicted and medical treatment in foreign countries is very expensive; hence it is always advisable to buy medical insurance.

  • Is there any medical coverage which covers drug abuse, Cancer screening, Inter collegiate sports, child care, mental & nervous disorder, pregnancy?


  • Is there any travel insurance plan without medical cover?

    No, however we can provide the plan if required.

  • What is the procedure of issuing a duplicate policy?

    You can call our Call Centre at 111-000-301 and request for duplicate policy. Rs. 100 will be charged for issuance of duplicate copy.

  • Can I get a refund if there’s a change of plan?

    Yes, you can get the refund after fulfilling the requirement of cancellation of policy. The original policy amount less taxes will be returned and fresh policy will be charged.

  • What is No Claim Bonus and what is its percentage?

    No Claim Bonus (NCB) is the discount which the Company allows on renewal if no claim made during the policy period. 5% NCB is provided on renewal and each subsequent year 5% is provided till it reaches 25%. In case of a claim two stages of NCB is withdrawn on renewal.

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