Travel Insurance for Pakistan, Fully Covered with LUMA
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Trusted by 100,000+ travelers
A decade of travel cover
Backed by medical guidance
Instant online purchase
On-the-ground teams and global partners ensure care is always nearby.
English-speaking assistance with coverage curated for Pakistan.
Practical support backed by decade-long experience and deep-rooted hospital networks.
Direct access to our in-house medical team (Medipro) for real medical advice.
01 Stomach illness after street food or unsafe water?
Food and water are often the first thing to derail a Pakistan trip, especially after roadside meals, market snacks, or long city days in the heat. Typhoid is a known risk here, with a drug-resistant strain circulating, so a severe stomach bug isn't something to brush off. If it turns into fever, dehydration, or symptoms that won't settle, you may need tests, antibiotics, or a spell in hospital. Medipro can advise you on when to get checked, and your LUMA policy covers the eligible treatment costs.
02 High fever a few days into Lahore or Karachi?
Dengue is common in Pakistan's towns and cities, and malaria is a concern in rural and southern areas. The catch is the delay, symptoms like fever, chills, deep aches, and fatigue often surface days after the bite. A serious case may need blood tests, monitoring, or admission. Your LUMA policy covers the eligible treatment costs, and for a larger hospital bill, direct billing can be arranged where available.
03 Hurt or seriously unwell up north?
Trips to Hunza, Skardu, and the Karakoram can turn from scenic to serious if you fall, get injured, or fall ill, and a proper hospital is rarely close. Road access is slow and can be cut by weather or landslides. When local care isn't enough, LUMA helps arrange transfer to a better-equipped facility and covers the eligible medical costs. All LUMA plans include medical evacuation cover when it's medically necessary, which counts for a lot in these areas.
04 Crash or fall on a long road transfer?
Pakistan itineraries often mean long drives between cities, mountain roads, and heavy urban traffic. A sudden stop, a rough stretch, or a bend taken badly can leave you needing scans, stitches, or follow-up care. LUMA covers eligible medical costs from road accidents under your plan, and if the nearest facility isn't equipped for the injury, helps arrange transfer to one that is.
05 Bag missing before a northern Pakistan route?
A lost or delayed bag can cause real problems when you are heading toward colder weather, remote stays, or long transfers. Warm layers, medicines, chargers, and essentials are not always easy to replace once you leave Islamabad, Lahore, or Karachi. LUMA plans with baggage cover can help with eligible loss, theft, or damage, so you can sort the essentials and continue the trip.
Your Pakistan Travel Insurance Questions, Answered
Yes, when it's medically necessary. The northern areas, Hunza, Skardu, and the Karakoram, sit a long way from a well-equipped hospital, roads are slow, and landslides can cut access. If you're seriously hurt or unwell and local care can't treat you, LUMA helps arrange transfer to a better-equipped facility. All LUMA plans include emergency evacuation cover when it's medically necessary, which matters more in these remote regions than almost anywhere.
Yes, most visitors do. Pakistan runs an online visa system, and many nationalities, including US, UK, and EU passport holders, can apply for an e-Visa before travelling, with some eligible for visa on arrival under specific conditions. Your passport should be valid for at least six months from entry. Eligibility and rules vary by nationality and change periodically, so check the official Pakistan online visa portal or the nearest Pakistani mission before booking.
Yes. The monsoon, roughly July to September, regularly brings flooding that damages roads, bridges, and railways and can cut off whole regions, with landslides and flash flooding a particular risk on northern mountain routes. Build flexibility into your plans during these months and avoid tight connections. On cover, a covered flight delay past your policy's threshold can help with reasonable expenses, but weather disruption to roads isn't automatically claimable, so check your plan wording.
