However, the Canada visa process is document-heavy and detail-oriented. Many Pakistani applications are refused—not because applicants are ineligible, but because they misunderstand how visa officers evaluate cases.

This complete guide explains:

• Canada visitor visa process from Pakistan
• Required documents
• Financial requirements
• Sponsorship rules
• Biometrics process
• Common refusal reasons
• How to improve approval chances

If you are applying for a Canada visa from Pakistan, this guide will help you understand the system properly.

Do Pakistani Citizens Need a Canada Visa?

Yes.

Pakistani passport holders must apply for a Temporary Resident Visa (TRV) before traveling to Canada.

Pakistanis are not eligible for eTA (Electronic Travel Authorization) unless they already hold certain US visas or meet specific criteria.

What Is a Canada Visitor Visa (Temporary Resident Visa – TRV)?

A Temporary Resident Visa (TRV) allows foreign nationals to visit Canada temporarily for:

• Tourism
• Visiting family or friends
• Business meetings
• Short-term study (less than 6 months)

It does not allow:

• Working in Canada
• Long-term study
• Permanent settlement

The TRV is typically issued as a multiple-entry visa.

Types of Canada Visas for Pakistanis

1. Visitor Visa (TRV)

Most common visa type.

Used for:

• Tourism
• Family visits
• Business trips
• Social events

2. Canada Super Visa (For Parents & Grandparents)

Designed for:

• Parents and grandparents of Canadian citizens or PR holders

Key features:

• Allows stays up to 5 years per visit
• Requires mandatory medical insurance
• Sponsor must meet income requirements

3. Transit Visa

Required if:

• You are transiting through Canada
• Even if you do not leave the airport

4. Other Categories (Brief Overview)

• Study Permit
• Work Permit
• Express Entry (immigration pathway)

This guide focuses primarily on the Visitor Visa (TRV).

Canada Visitor Visa Validity & Stay Duration

Many Pakistani applicants misunderstand this part.

Visa Validity

Visitor visas are often issued until passport expiry.

Length of Stay

Border officers typically allow:

• Up to 6 months per visit

Final stay duration is determined by the officer at entry.

Visa validity ≠ guaranteed 6-month stay.

How Canada Visa Decisions Work

Canada visas are decided by document review, not interviews (in most cases).

Visa officers assess:

• Purpose of visit
• Financial stability
• Travel history
• Ties to Pakistan
• Likelihood of returning

Unlike US visas, there is usually no interview. Your documents must clearly tell your story.

Temporary Intent & Dual Intent Explained

You must prove:

• You are visiting temporarily
• You will leave Canada at the end of your stay

Even if you plan future immigration, your visitor visa must demonstrate temporary intent.

This is known as dual intent.

Canada Visa Requirements from Pakistan

Applications are submitted online via Immigration, Refugees and Citizenship Canada (IRCC).

Passport Requirements

• Valid passport
• Clear copy of all pages with stamps
• Previous passports (if available)

Online Application

You must:

• Create IRCC account
• Complete forms
• Upload documents
• Pay fees online

Accuracy is critical.

Financial Requirements for Canada Visa

There is no officially declared minimum bank balance, but officers assess:

• Last 6 months bank statements
• Regular income
• Savings consistency
• Source of funds

Large sudden deposits before applying raise red flags.

Recommended Financial Clarity

• Show stable balance
• Provide income proof
• Explain any unusual transactions

Sponsorship for Canada Visitor Visa

Your trip may be sponsored by:

• Yourself
• A family member in Pakistan
• A host in Canada

Sponsor must provide:

• Invitation letter
• Proof of status (PR card or passport)
• Bank statements
• Income proof

Sponsorship strengthens the application but does not guarantee approval.

Employment-Specific Documentation

Salaried Applicants

Provide:

• Employment letter
• Salary slips (3–6 months)
• Leave approval letter

Officers assess job stability and return obligation.

Business Owners

Provide:

• Business registration
• Company bank statements
• Tax documents (if available)

They evaluate your active involvement in business.

Freelancers

Provide:

• Client contracts
• Payment proofs
• Ongoing work evidence

Must demonstrate continuous income.

Students

Provide:

• Enrollment letter
• Fee payment proof
• Sponsor documents

Students often face higher refusal risk unless profile is strong.

Ties to Pakistan – Most Important Factor

Strong ties reduce refusal risk.

Examples:

• Stable employment
• Business ownership
• Family responsibilities
• Property ownership
• Ongoing studies

Weak ties = higher refusal probability.

Cover Letter for Canada Visa (Highly Recommended)

While not mandatory, a strong cover letter significantly improves clarity.

Your cover letter should explain:

• Purpose of visit
• Travel plan
• Funding source
• Duration
• Reasons for returning

Think of it as your narrative summary.

Step-by-Step Canada Visitor Visa Application Process

1. Create IRCC online account
2. Complete questionnaire
3. Upload required documents
4. Pay visa fee
5. Receive biometric instruction letter
6. Submit biometrics
7. Wait for processing
8. Submit passport (if approved)

Biometrics in Pakistan

Biometrics are collected by VFS Global in Pakistan.

You must provide:

• Fingerprints
• Digital photograph

Biometrics are valid for 10 years.

Canada Visa Fees from Pakistan

• Visitor visa: CAD 100
• Biometrics: CAD 85
• Super Visa: Same base fee (plus insurance cost)

Fees are non-refundable.

Canada Visa Processing Time for Pakistanis

Processing times vary.

Typical timeline:

• 4 to 12 weeks
• Longer during peak seasons

Background checks may extend timelines.

Common Canada Visa Rejection Reasons for Pakistanis

• Insufficient financial proof
• Weak travel history
• Lack of ties to Pakistan
• Purpose of visit unclear
• Incomplete documentation

Refusal letters often state:
“Not satisfied that you will leave Canada at the end of your stay.”

How to Increase Canada Visa Approval Chances

• Maintain consistent bank balance
• Write clear cover letter
• Show strong employment ties
• Avoid unnecessary documents
• Be truthful and precise

Do not overload with irrelevant documents.

Canada Super Visa – Detailed Overview

Super Visa is for parents and grandparents.

Requirements:

• Invitation from child/grandchild
• Proof of income meeting threshold
• Canadian medical insurance
• Immigration medical exam

Allows long stays (up to 5 years per visit).

What to Do If Your Canada Visa Is Refused

You can:

• Reapply with stronger documents
• Request GCMS notes to understand detailed refusal reasons
• Improve profile before reapplying

Reapplying immediately without changes usually results in another refusal.

Frequently Asked Questions

How much bank balance is required for Canada visa?
There is no fixed amount. It must match your travel plan and income.

Is interview required?
Usually no.

Is travel insurance mandatory?
Not mandatory for TRV, but required for Super Visa.

Can I work on a visitor visa?
No.

How long can I stay in Canada?
Usually up to 6 months per visit.

Final Advice for Pakistani Applicants

Canada visa decisions are logic-based.

Successful applicants:

• Show financial consistency
• Demonstrate strong ties
• Present clear travel purpose
• Submit organized documents

A Canada visa is achievable with proper preparation and realistic expectations.

SC Editorial

Smartchoice is a leading insurance comparison platform in Pakistan that makes it easy to compare and purchase travel, car, bike, and health insurance from the country’s top insurers. We offer a wide selection of both conventional and takaful plans, so you can choose coverage that truly fits your needs and preferences.

We’re committed to delivering the best value in the market. By pre-negotiating highly competitive rates with our insurance partners, we help you secure better prices and meaningful savings that are hard to find elsewhere.

The post Canada Visa Guide for Pakistanis appeared first on Smartchoice.pk.

This complete USA visa guide for Pakistanis explains the entire US visitor visa process step by step, including visa types, requirements, interview preparation, financial proof, ties to Pakistan, common refusal reasons, and how to improve approval chances.

If you are planning to apply for a US visa from Pakistan, this guide will help you understand how US visa officers think—which is the key to success.

Do Pakistani Citizens Need a US Visa?

Yes. Pakistani passport holders must obtain a US visa before traveling to the United States for any purpose.

The US does not offer:

• Visa-free entry
• Visa on arrival

Every Pakistani traveler must apply for a visa and attend an interview before travel.

US Visa vs UK & Schengen Visa – Key Differences

Understanding this difference is crucial.

US Visa

• Interview-based decision
• Focus on intent and ties
• Long-term visa validity (often 5–10 years)
• Entry permission decided again at airport

UK / Schengen Visa

• Document-heavy process
• No interview (usually)
• Entry permitted once visa is issued

For the US, your interview matters more than your documents.

Types of US Visas for Pakistanis

Most short-term travelers from Pakistan apply under non-immigrant visitor visas.

B-1 / B-2 Visitor Visa (Most Common)

This is the most frequently issued US visa for Pakistanis.

B-2 (Tourism / Family Visit)

Used for:

• Tourism and sightseeing
• Visiting family or friends
• Medical treatment
• Social events

B-1 (Business Visit)

Used for:

• Business meetings
• Conferences
• Contract negotiations
• Professional consultations

Most applicants receive a combined B-1/B-2 visa, allowing both purposes.

You cannot work, study long-term, or settle in the US on this visa.

US Transit Visa (C Visa)

Required if:

• You transit through the US
• Even if you do not leave the airport

Many travelers mistakenly assume transit is allowed without a visa—it is not.

US Visitor Visa Validity & Duration

One major advantage of the US visa is long validity.

Typical Validity for Pakistanis

• 5 years
• Sometimes 10 years

Important Clarification

• Visa validity ≠ length of stay
• Length of stay is decided by a CBP officer at the airport
• Usually granted up to 6 months per visit

Overstaying even once can permanently damage future applications.

How US Visa Decisions Work (Very Important)

This is the most critical section of the guide.

US visas are decided under Section 214(b) of US immigration law.

What This Means in Simple Words

Every applicant is assumed to be an intending immigrant unless they prove otherwise.

You must convince the visa officer that:

1. You are visiting temporarily
2. You will return to Pakistan

This is why many Pakistani applications are refused—even with strong documents.

What Are “Strong Ties to Pakistan”?

“Ties” are reasons that force you to return.

Strong ties include:

• Stable job or business
• Regular income
• Family in Pakistan
• Property or assets
• Ongoing education

Weak ties = high refusal risk.

Which US Visa Should You Apply For?

Always apply under the true purpose of your visit.

Examples:

• Tourism → B-2
• Business meetings → B-1/B-2
• Family visit → B-2

Never say “tourism” if your real purpose is business (or vice versa).
Visa officers are trained to detect inconsistencies within seconds.

US Visa Requirements from Pakistan

Unlike other visas, the US focuses less on documents and more on answers—but documents still matter.

Passport Requirements

• Valid passport
• Previous passports (if available)
• Travel history is helpful but not mandatory

DS-160 Application Form

This is the core of your application.

You must:

• Fill it online accurately
• Ensure consistency with interview answers
• Declare travel history, employment, and purpose honestly

Any lie—no matter how small—can result in refusal or permanent ineligibility.

Photograph Requirements

• White background
• US visa specifications
• Recent photo

Financial Evidence for US Visa

There is no minimum bank balance requirement.

Visa officers evaluate:

• Your income level
• Nature of job or business
• Whether the trip is financially logical

A PKR 1 million bank balance does not matter if your income cannot justify the trip.

Sponsorship for US Visa

A sponsor can be:

• A family member in Pakistan
• A relative in the US

But remember:

• Sponsorship does not guarantee approval
• Your own ties to Pakistan matter more than sponsor strength

Many refusals happen despite strong US sponsors.

Employment-Specific Profile Evaluation

Salaried Applicants

Visa officers look for:

• Job stability
• Designation
• Length of employment
• Salary vs travel cost

Bring:

• Employment letter
• Salary slips
• Leave approval (optional)

Business Owners

They assess:

• Nature of business
• Your role in it
• Why your presence is needed in Pakistan

Bring:

• Business registration
• Bank statements
• Tax documents (if available)

Freelancers

More challenging but possible.

You must show:

• Regular international clients
• Ongoing projects
• Income continuity

Bring:

• Contracts
• Invoices
• Payment proof

Students

Higher refusal risk unless:

• Strong academic standing
• Clear funding source
• Short, well-defined trip

Do You Need a Cover Letter for US Visa?

Short answer: No.

US visa officers do not read cover letters.

What matters is:

• Your DS-160
• Your interview answers

A cover letter can be uploaded but rarely influences decisions.

US Visa Interview Process (Critical Section)

Pakistani applicants attend interviews at:

• U.S. Embassy Islamabad
• U.S. Consulate Karachi

Interview Facts

• Usually 2–5 minutes
• Very direct questions
• Officer types while listening

They assess:

• Confidence
• Clarity
• Consistency
• Intent

Common US Visa Interview Questions

• Why are you traveling to the US?
• Who will pay for your trip?
• What do you do in Pakistan?
• Have you traveled abroad before?
• Do you have relatives in the US?

Your answers must be:

• Short
• Honest
• Confident

Over-explaining often harms your case.

Step-by-Step US Visa Application Process from Pakistan

1. Choose visa category (B-1/B-2)
2. Complete DS-160 form
3. Pay MRV visa fee
4. Create profile and book appointment
5. Biometrics appointment
6. Visa interview
7. Passport collection

US Visa Fees from Pakistan

• B-1/B-2 visa fee: USD 185
• Non-refundable
• Paid before appointment booking

Additional courier or service fees may apply.

US Visa Processing Time for Pakistanis

• Appointment wait time: varies
• Interview decision: often same day
• Administrative processing (221g): may take weeks or months

If approved, passport is usually returned within 7–10 working days.

Common US Visa Rejection Reasons for Pakistanis

Most refusals fall under 214(b).

Common causes:

• Weak ties to Pakistan
• Unclear travel purpose
• Poor interview answers
• Inconsistent DS-160 information
• Overconfidence or rehearsed responses

A refusal is not permanent, but repeated weak applications reduce chances.

How to Increase US Visa Approval Chances

• Be honest—always
• Keep answers short and factual
• Ensure DS-160 accuracy
• Apply only when your profile is strong
• Improve ties before reapplying
• Avoid agents promising “guaranteed visas”

There is no shortcut for a US visa.

What to Do If Your US Visa Is Refused

You will receive a refusal slip with reason code.

Best approach:

• Do not reapply immediately
• Improve profile (job, income, travel history)
• Reapply only when something has changed

Reapplying with the same profile usually results in another refusal.

Frequently Asked Questions (FAQs)

How much bank balance is required for US visa?
There is no fixed amount. Income and intent matter more.

Can someone sponsor my US visit?
Yes, but your own ties are more important.

Is travel insurance mandatory?
No, but it is recommended.

Can I work on a B-2 visa?
No. Working is strictly prohibited.

How long can I stay in the US?
Up to 6 months per visit, decided at entry.

Final Advice for Pakistani US Visa Applicants

A US visa is not about documents—it’s about credibility.

Applicants who succeed usually:

• Understand their own profile honestly
• Apply at the right time
• Communicate clearly
• Respect the process

If you treat the US visa as a serious legal process—not a formality—you significantly improve your chances.

SC Editorial

Smartchoice is a leading insurance comparison platform in Pakistan that makes it easy to compare and purchase travel, car, bike, and health insurance from the country’s top insurers. We offer a wide selection of both conventional and takaful plans, so you can choose coverage that truly fits your needs and preferences.

We’re committed to delivering the best value in the market. By pre-negotiating highly competitive rates with our insurance partners, we help you secure better prices and meaningful savings that are hard to find elsewhere.

The post USA Visa Guide for Pakistanis (Complete & Updated – 2026) appeared first on Smartchoice.pk.

This complete UK visa guide for Pakistanis explains everything you need to know, including visa types, requirements, financial documents, sponsorship rules, application steps, processing time, fees, and common rejection reasons.

If you’re applying for a UK visa from Pakistan, this guide will help you apply correctly and confidently.

Do Pakistani Citizens Need a UK Visa?

Yes. Pakistani passport holders must obtain a visa before traveling to the UK for any purpose.

The UK does not offer:

• Visa on arrival
• Visa-free entry for Pakistan

Each traveler must apply and receive approval before departure.

UK Visa vs Schengen Visa – Important Difference

Many applicants confuse the UK visa with the Schengen visa, but they are completely different.

UK Visa

• Valid only for the United Kingdom
• Separate immigration system
• No access to Europe

Schengen Visa

• Covers 29 European countries
• Does not allow entry into the UK

You must apply for them separately.

Types of UK Visas for Pakistanis

Most short-term visitors apply under the UK Standard Visitor Visa.

UK Standard Visitor Visa

This visa allows you to visit the UK for up to 6 months per trip.

You can travel for:

• Tourism and sightseeing
• Visiting family or friends
• Business meetings and conferences
• Short training courses
• Medical treatment

You cannot:

• Work
• Study long-term
• Access public funds

UK Business Visitor Visa

This falls under the Standard Visitor category and is used for:

• Business meetings
• Trade fairs
• Conferences
• Contract negotiations

A business invitation letter from the UK is usually required.

UK Family Visit Visa

If you are visiting relatives or friends in the UK, you still apply under the Standard Visitor Visa, but must submit host documents such as:

• Invitation letter
• Proof of relationship
• Host’s immigration status

UK Transit Visa

You may need a transit visa if:

• You pass through the UK on the way to another country
• You leave the airport during transit

Requirements depend on route, airline, and destination.

UK Visitor Visa Validity & Duration

UK visitor visas can be issued for longer validity periods.

Available options:

• 6 months
• 2 years
• 5 years
• 10 years

Important:
Regardless of validity, you can stay a maximum of 6 months per visit.

Longer validity visas are granted based on:

• Travel history
• Financial strength
• Credibility

Which UK Visa Should You Apply For?

Always apply under the exact purpose of your visit.

Applying under the wrong category is a major reason for refusal.

Examples:

• Tourism → Visitor visa (tourism)
• Business meetings → Visitor visa (business)
• Visiting siblings → Visitor visa (family visit)

Never misrepresent your purpose.

UK Visa Requirements from Pakistan

Passport Requirements

• Valid passport
• At least one blank page
• Covers your full travel duration

Old passports with travel history should also be submitted.

Online Application Form

UK visas are applied online only.

You must:

• Fill the form accurately
• Ensure consistency with documents
• Clearly explain purpose and duration

Any contradiction can lead to refusal.

Biometrics & Appointment

You must submit:

• Fingerprints
• Digital photograph

Biometrics are submitted at UK Visa Application Centres operated by VFS Global in Pakistan.

Financial Requirements for UK Visa from Pakistan

There is no fixed bank balance requirement.

Visa officers assess:

• Last 6 months bank statements
• Regular income
• Salary vs expenses
• Ability to afford the trip

Your finances must make logical sense.

A large bank balance with a low salary often raises concerns.

Sponsorship for UK Visa

Your trip can be sponsored by:

• Yourself
• A family member
• A UK-based host

Sponsor documents include:

• Bank statements
• Proof of income
• Relationship evidence
• Sponsorship letter

Sponsorship does not guarantee approval.

Employment-Specific Documents

Salaried Applicants

• Employment letter
• Salary slips (3–6 months)
• Leave approval letter

Business Owners

• Business registration documents
• Company bank statements
• Tax documents (if available)

Freelancers

• Client contracts
• Invoices
• Proof of payments
• Portfolio or work evidence

Students

• Enrollment letter
• No-objection letter
• Sponsor’s financial documents

Strong ties to Pakistan improve approval chances.

Cover Letter / Purpose of Travel

The cover letter is one of the most important documents.

It should clearly explain:

• Why you are traveling
• Why now
• Duration of stay
• Who is paying
• Why you will return to Pakistan

Avoid generic or copied templates.

Accommodation & Travel Plans

Accommodation

• Hotel booking, OR
• Staying with family/friends

If staying with a host, provide:

• Invitation letter
• Host’s passport or BRP
• Proof of address

Flights

• Paid tickets are not required
• A planned itinerary is sufficient

Never submit fake bookings.

UK Travel Insurance – Is It Mandatory?

Travel insurance is not mandatory for UK visitor visas.

However, it is strongly recommended, especially for:

• Elderly travelers
• Families
• Medical visits

Insurance does not affect visa decisions but protects you financially.

Step-by-Step UK Visa Application Process from Pakistan

1. Choose visa category
2. Complete online application
3. Pay visa fee
4. Book biometric appointment
5. Upload or submit documents
6. Attend biometrics appointment
7. Track application
8. Collect passport

UK Visa Fees from Pakistan (Approximate)

• 6 months: GBP 115
• 2 years: GBP 432
• 5 years: GBP 771
• 10 years: GBP 963

Additional service charges may apply.

All fees are non-refundable.

UK Visa Processing Time in Pakistan

• Standard processing: 15–30 working days
• Priority service: Faster (additional cost)
• Peak seasons may cause delays

Apply 6–8 weeks before travel.

Common UK Visa Rejection Reasons for Pakistanis

• Insufficient financial proof
• Unclear purpose of travel
• Weak ties to Pakistan
• Inconsistent information
• Doubt about intention to return

Refusals are detailed and reason-based.

How to Increase UK Visa Approval Chances

• Be honest and consistent
• Match finances with travel plan
• Show strong employment or business ties
• Apply under the correct category
• Avoid agents promising “guaranteed visas”

UK visas are granted based on credibility, not influence.

What to Do If Your UK Visa Is Refused

You will receive a refusal letter explaining reasons.

Best approach:

• Identify weak points
• Improve documents
• Reapply with stronger evidence

Appeals are rare for visitor visas; reapplication is usually better.

Frequently Asked Questions (FAQs)

How much bank balance is required for UK visa?
There is no fixed amount. It must match your income and travel plan.

Can someone sponsor my UK visit?
Yes, but sponsorship alone does not guarantee approval.

Is interview required?
Usually no, but UKVI may contact you if clarification is needed.

Can I work on a UK visitor visa?
No. Working is strictly prohibited.

Can I extend my UK visit?
Visitor visas generally cannot be extended.

Final Advice for Pakistani UK Visa Applicants

A UK visa is not about luck. It is about:

• Proper planning
• Honest documentation
• Clear travel intent
• Strong ties to Pakistan

Apply carefully, and treat your application like a professional case.

SC Editorial

Smartchoice is a leading insurance comparison platform in Pakistan that makes it easy to compare and purchase travel, car, bike, and health insurance from the country’s top insurers. We offer a wide selection of both conventional and takaful plans, so you can choose coverage that truly fits your needs and preferences.

We’re committed to delivering the best value in the market. By pre-negotiating highly competitive rates with our insurance partners, we help you secure better prices and meaningful savings that are hard to find elsewhere.

The post UK Visa Guide for Pakistanis (Complete & Updated – 2026) appeared first on Smartchoice.pk.

This comprehensive guide explains everything Pakistani passport holders need to know about Schengen visas, including eligibility, required documents, financial proof, travel insurance, application steps, common rejection reasons, and expert tips to increase approval chances.

If you’re planning a trip to Europe, this guide will help you apply with confidence.

What Is the Schengen Area?

The Schengen Area is a group of European countries that have removed internal border controls. Once you enter one Schengen country, you can travel freely to all other member states without additional visas or passport checks.

Why the Schengen System Exists

• To simplify travel across Europe
• To promote tourism and business mobility
• To allow travelers to visit multiple countries with one visa

Schengen Countries You Can Visit

The Schengen Area currently includes 29 European countries, including:

France, Germany, Italy, Spain, Netherlands, Switzerland, Austria, Belgium, Sweden, Norway, Denmark, Finland, Portugal, Greece, Hungary, Czech Republic, Poland, Slovakia, Slovenia, Croatia, Latvia, Lithuania, Estonia, Luxembourg, Malta, Iceland, and Liechtenstein.

Important:
The UK, Ireland, and non-Schengen European countries require separate visas.

Do Pakistani Citizens Need a Schengen Visa?

Yes. Pakistani passport holders must obtain a Schengen visa before traveling to any Schengen country.

Key Rules for Pakistanis

• Visa Type: Short-Stay (Type C)
• Maximum Stay: 90 days within any 180-day period
• Purpose: Tourism, business, family visit, or transit

Overstaying or violating visa conditions can negatively affect future visa applications.

Understanding the 90/180 Rule (Simple Explanation)

This rule is often misunderstood.

• You can stay up to 90 days total
• Within any rolling 180-day period
• Across all Schengen countries combined

It is not 90 days per country.

Types of Schengen Visas for Pakistanis

Tourist Visa

For holidays, sightseeing, and leisure travel.

Business Visa

For meetings, conferences, trade fairs, or short professional visits.
An invitation letter from a European company is usually required.

Family or Friends Visit Visa

For visiting relatives or friends legally residing in Europe.
Requires an invitation letter and host documents.

Transit Visa

Required if transiting through certain Schengen airports, depending on route and airline.

Single, Double, and Multiple Entry Visas

• Single-entry: One entry only
• Double-entry: Two entries
• Multiple-entry: Unlimited entries during validity

First-time Pakistani applicants usually receive single-entry visas. Multiple-entry visas are more common with good travel history.

Which Embassy Should You Apply Through?

You must apply through the embassy or visa center of:

1. The country where you will spend the most nights, or
2. If stays are equal, the first country you enter

Most Schengen countries accept applications in Pakistan through VFS Global.

Applying to the wrong embassy can lead to rejection even if your documents are strong.

Complete Schengen Visa Requirements from Pakistan

Passport Requirements

• Issued within the last 10 years
• Valid for at least 6 months after return
• Minimum 2 blank pages

Visa Application Form

• Fully completed and signed
• Information must match supporting documents

Photographs (Schengen Specifications)

• White background
• Size: 35mm x 45mm
• Neutral facial expression

Travel Itinerary

• Flight reservation showing entry and exit dates
• Fully paid tickets are not mandatory

Accommodation Proof

• Hotel booking, OR
• Invitation letter from host

Submitting fake bookings is a major cause of rejection.

Cover Letter (Extremely Important)

Your cover letter should clearly explain:

• Purpose of travel
• Countries and cities you plan to visit
• Duration of stay
• Who will cover expenses
• Strong reasons to return to Pakistan

A weak or generic cover letter significantly lowers approval chances.

Financial Requirements for Pakistani Applicants

There is no officially fixed bank balance requirement. Embassies assess:

• Last 6 months bank statements
• Regular income flow
• Salary consistency
• No sudden large deposits

Best Practices

• Maintain balance well before applying
• Avoid cash injections close to submission
• Salary should match your job profile

Employment-Specific Documents

Salaried Applicants

• Employment letter
• Leave approval letter
• Salary slips (3–6 months)

Business Owners

• Business registration documents
• Business bank statements
• Tax records (if available)

Freelancers

• Client contracts
• Invoices and payment proof
• Evidence of ongoing work

Students

• University enrollment letter
• Sponsorship affidavit
• Sponsor’s financial documents

Schengen Travel Insurance (Mandatory)

Travel insurance is not optional for a Schengen visa.

Your insurance must:

• Cover at least EUR 30,000
• Include medical emergencies and hospitalization
• Cover emergency evacuation and repatriation
• Be valid in all Schengen countries
• Cover your entire travel period

Many Pakistani applications are rejected due to non-compliant insurance policies.

Step-by-Step Schengen Visa Application Process from Pakistan

1. Decide your visa type
2. Choose the correct country and embassy
3. Book your appointment online
4. Prepare documents carefully
5. Submit application and biometrics
6. Pay visa and service fees
7. Track your application status

Biometric data remains valid for 59 months.

Schengen Visa Fees from Pakistan

• Adults: EUR 90
• Children (6–12): EUR 45
• Children under 6: Free
• VFS service charges: Additional

All fees are paid in PKR and are non-refundable.

Schengen Visa Processing Time

• Standard processing: 15 working days
• Peak seasons: Up to 30–45 days
• Additional verification may cause delays

Recommended: Apply at least 6 weeks before travel.

Common Schengen Visa Rejection Reasons for Pakistanis

• Weak travel history
• Insufficient or inconsistent financial proof
• Unclear purpose of travel
• Poorly written cover letter
• Invalid or insufficient travel insurance
• Weak ties to Pakistan

How to Increase Your Schengen Visa Approval Chances

• Apply with a clear and realistic travel plan
• Ensure document consistency
• Show strong employment or business ties
• Use embassy-compliant travel insurance
• Avoid agents promising “guaranteed visas”

What to Do If Your Schengen Visa Is Rejected

• Read the refusal letter carefully
• Identify weak areas
• Improve documentation before reapplying

Reapplication is often more effective than appeals.

Frequently Asked Questions

Can I visit multiple Schengen countries on one visa?
Yes, as long as the visa is valid.

Is an interview required?
Usually no, but embassies may contact you if clarification is needed.

Can I apply without confirmed air tickets?
Yes. Flight reservations are sufficient.

Does travel history matter?
Yes, but first-time travelers can still be approved with strong documentation.

Final Advice for Pakistani Travelers

A Schengen visa is achievable for Pakistani applicants who:

• Plan properly
• Submit honest and complete documents
• Meet financial and insurance requirements

Treat your visa application like a professional case, not a formality.

SC Editorial

Smartchoice is a leading insurance comparison platform in Pakistan that makes it easy to compare and purchase travel, car, bike, and health insurance from the country’s top insurers. We offer a wide selection of both conventional and takaful plans, so you can choose coverage that truly fits your needs and preferences.

We’re committed to delivering the best value in the market. By pre-negotiating highly competitive rates with our insurance partners, we help you secure better prices and meaningful savings that are hard to find elsewhere.

The post The Complete Schengen Visa Guide for Pakistanis (2026 Edition) appeared first on Smartchoice.pk.

Knowing what you will wear, what you may need, and when helps avoid packing unnecessary stuff. In this ultimate packing checklist, we will cover all you need to be prepared for any destination, from essentials to often overlooked items.

Explore Your Destination Online:

Before you start packing your suitcase, research your destination. See what other travelers have written about the climate and cultural norms. Read up about specific activities you have planned on your trip. This will help you come up with a packing list according to the destination’s requirements. A winter vacation will require different items compared to a business trip or a family wedding.

Build up a Packing List:

A detailed packing list is needed when planning a trip. Build your list according to categories like clothing, toiletries, electronics, documents, emergency, and miscellaneous items. This ensures you won’t forget crucial items and helps you stay organized during the packing process. 

Documents and Essentials:

Keep all your documents like passports, travel insurance, boarding passes, and hotel reservations in a secure travel wallet. Also keep a digital folder on both your phone and cloud storage. Keep physical copies of essential documents in different place than the originals. It’s also a good idea to have digital copies stored on your phone or cloud storage.

Try to Use Multipurpose Clothing:

Pick flexible clothing items that you can mix and match to build up different outfits. This helps to save space in your suitcase and keeps you ready for different occasions. Try to keep items made with lightweight, breathable, and wrinkle-resistant fabrics. For colder destinations, keep items that will you layer up so that you remain warm without packing multiple items.

When Packing Roll, Don’t Fold:

Rolling your clothes and not folding them helps to both maximize space and reduce wrinkles. This also helps to save space and makes it easier to locate specific items without needing to pack your entire suitcase. It’s a game-changer for efficient packing.

Pack a First Aid Kit:

A medical emergency can occur at any time. So, it’s a good idea to keep a small first aid kit. This should have all emergency essentials like pain relievers, band-aids, wipes, motion sickness tablets, and any prescription medications you may need. 

Electronics and Chargers:

While traveling it is important to keep your electronic devices charged and have destination appropriate chargers. Make a list to pack your smartphone and other necessary gadgets you may need during your trip as well as their chargers and destination-appropriate adapters. 

Take Travel-Sized Toiletries:

Invest in a travel toiletry kit for all your travels. This helps avoid having to carry large bottles or needing new smaller bottles. Doing this lets you save space as well as comply with airline directives about liquid quantities in carry-on luggage.

Keep a Reusable Water Bottle:

Staying hydrated is important, but it can be difficult while traveling. It is convenient to keep a reusable water bottle that can be filled up at airports or wherever you stay. This helps to reduce single-use plastic bottles usage. It is also handy to have free water with you during long flights or road trips.

Pack a Snack Stash:

Having a supply of snacks with you is convenient for long trips with inadequate dining options. Keep non-perishable snacks of your choice like granola bars, nuts, and dried fruit to sate your hunger. This helps you save some money at overpriced shops at travel stops or tourist spots.

Consider the Location:

Respect for local customs is essential, so keep the cultural nuances of your destination when packing. Modesty can be important in some areas, while in others, casual attire is normal, and formal attire may seem out of place due to the climate or any other reason.

Looking into the local culture and packing according to it will help you pack appropriately and avoid any blunders.

Pack a Light Backpack:

Keep a small, foldable backpack that can be easily packed in your main luggage. This can serve as a carry-on bag during flights and as a handy backpack for daily tours at your destination. Such backs are very convenient to hold daily essentials like your passport and documents, water, battery packs, snacks, a camera, and a light jacket.

Protect Your Valuables:

Keep all important items safe by using a money belt or a hidden pouch. This is essential in crowded tourist spots, where pickpocketing can be an issue. It’s also smart to distribute your cash, cards, and important documents across different locations to reduce the chances of loss or theft.

Follow the Weather Forecast:

Check the weather forecast for your destination when packing your clothes. This lets you be prepared for all forecasted weather. You can also make last-minute additions to your packing. A compact, travel-friendly umbrella or a lightweight rain jacket can be very convenient for destinations where sudden showers are forecasted.

Remain Comfortable:

Long flights, bus rides, and walking tours can be very uncomfortable. Try to pack items like neck pillows, comfy clothes, and shoes to make your experience more pleasant. 

Luggage Basics:

If you travel frequently, invest in durable, lightweight luggage with secure zippers and international standard locks. Follow the size restrictions of international airlines to avoid luggage charges. Also, pick luggage of a size that you can easily handle when it is fully packed.  Pick a suitcase or bag with wheels for easy maneuverability. Attach luggage tags with your contact information to help identify your bag in case it gets mislaid. It is also good to keep spare tags to replace lost ones.

Entertainment for the Journey:

Long flights or road trips can become boring, so keep a good book, download your favorite movies or TV shows onto your devices, or prepare a travel playlist. Having entertainment options on hand can turn a monotonous journey into a fun experience.

Packing for traveling is a skill that can alter your travel experience. By coming up with your personalized comprehensive packing list you can ensure that you are primed for any adventure. From cultural explorations to beach getaways, use this ultimate packing guideline to make your next trip hassle-free and enjoyable. 

Sadia Zaheer

Sadia Zaheer holds a Masters in Business Administration from IBA, Karachi. After working in several financial institutions in Client Management, Corporate Lending, Islamic Banking and Product Management she jumped careers to pursue a career in writing.
She is a Finance, Business and HR Development writer with four years of experience. She reads a lot and takes care of her multiple cats to remain calm.

The post Packing Tips: The Ultimate Checklist for Packing for Any Destination appeared first on Smartchoice.pk.

However, with planning, smart choices, and resourcefulness, traveling to Europe is possible and can be a life-changing experience. Today we will explore practical tips for making the most of your European adventure without breaking the bank. However, it is important that you opt for appropriate travel insurance so that you are not financially impacted in case of any accident or illness. 

Budget-Friendly Destinations:

Picking the right destinations can help reduce your overall travel expenses. While famous cities like Paris, London, and Rome are no doubt popular for many reasons, they are also usually very expensive. It is smarter to pick less famous but equally (or even more) fascinating destinations that offer a more budget-friendly experience. For instance, many Eastern European countries, like Poland, Hungary, and the Czech Republic, have a wonderful mix of history, culture, and affordability to make your trip memorable.

Planning Your Vacation Time

Plan for a vacation during the spring and fall seasons when prices are lower, and popular destinations are less crowded. These is known as the shoulder seasons since there are fewer people travelling and almost all places have lower prices.

Booking Your Flight Smartly:

Finding affordable flights is a basic part of preparing for budget travel. Use online tools and apps to compare prices of different airlines and booking platforms. Book flights for a period when you can be flexible with your travel dates. It is a smart move to opt to fly on weekdays, as flights are generally expensive during weekends and the peak holiday seasons. It is also a smart move to subscribe to promotions and discounts offered by various airlines to your planned destinations.

Pro Tips for Accommodation:

Accommodation costs can quickly add up especially if you are on a long trip, but there are multiple ways to cut down on such costs. Decide to go for budget-friendly options like hostels, guesthouses, or budget hotels. Websites and apps like Hostelworld, Airbnb, and Booking.com allow you to find affordable accommodation according to your budget and preferences. Consider staying in the suburbs and using public transportation (if it’s cheap) to reach the city center, where prices are usually higher. If you are going to remote areas find out about bus or train timings and ticket costs. 

Local Transportation:

The majority of Europe has an extensive and efficient public transportation system, which makes it easy to explore without paying for expensive taxis or rental cars. Buy city passes or transportation cards that offer unlimited travel for a certain period. Trains and buses are not only cost-effective but also provide a scenic and enjoyable way to experience the European countryside.

Culinary Exploration on a Budget:

Dining out in Europe is a delightful experience, but it can also be expensive. To save on food money, explore local markets and grocery stores for fresh fruits, breads, and cheeses. Embrace the street food culture, which is not only delicious but also pocket friendly. Additionally, consider having your main meal of the day during lunchtime when many restaurants offer affordable set menus.

Free and Low-Cost Activities:

Europe is teeming with free and low-cost activities that allow you to immerse yourself in its culture without spending a fortune. Many museums offer free entry on specific days or during certain hours. Take advantage of walking tours to explore the city, and enjoy the beauty of parks, historical sites, and architecture without breaking the bank.

Student and Youth Discounts:

If you’re a student or a young traveler, try to take advantage of the many discounts available for students. Many attractions, transportation services, and even accommodations offer special rates for students and young adults. Keep your student ID card and check your destination for youth travel cards that offer additional discounts on different services.

Travel Insurance and Health Coverage:

While it usually seems like an unnecessary expense, investing in travel insurance is necessary for any international trip. It offers coverage for unforeseen circumstances such as medical emergencies, trip cancellations, or lost baggage. Shop around for the best deals on travel insurance to ensure that you are effectively covered without overspending.

Foreign Exchange Matters:

Be comfortable with currency exchange rates, processes, and withdrawal charges. Make it a practice to use local ATMs to withdraw cash in the local currency rather than exchanging money at airports, as these are usually known to charge higher fees. Inform your bank about your travel plans to avoid any issues with international transactions and get a travel-friendly credit card that offers favorable rates and spending rewards. 

Connect with the Local Community and Other Travelers:

One of the best parts of traveling is connecting with the locals. Engage with area locals to discover hidden places to visit, authentic experiences, and cost-effective alternatives. Join online travel communities or forums to seek advice and recommendations from fellow travelers who have explored Europe on a budget.

Conclusion:

Traveling through Europe on a budget from Pakistan requires careful planning, flexibility, and a willingness to embrace the local culture. By choosing affordable destinations, being smart with transportation and accommodation choices, and exploring cost-effective dining options, you can make the most of your European adventure without straining your finances. 

Remember, the essence of travel lies not in how much you spend but in the memories you create and the experiences you gather along the way. With a bit of resourcefulness, your dream European journey can become a reality, even on a modest budget.

Sadia Zaheer

Sadia Zaheer holds a Masters in Business Administration from IBA, Karachi. After working in several financial institutions in Client Management, Corporate Lending, Islamic Banking and Product Management she jumped careers to pursue a career in writing.
She is a Finance, Business and HR Development writer with four years of experience. She reads a lot and takes care of her multiple cats to remain calm.

The post <strong>Travel on a Budget: Exploring Europe without breaking the Bank.</strong> appeared first on Smartchoice.pk.

That’s where travel insurance plays its role in reducing your losses. Travel insurance is an insurance category that protects you while you are travelling. Travel insurance helps to protect travellers from most unexpected expenses if something goes wrong while away from home.

This guide will discuss what travel insurance is and how it is useful for travellers.

What Is Travel Insurance?

What is travel insurance? Travel insurance is insurance coverage that we buy for an upcoming trip. It is designed to protect us against travel delays, flight cancellations, flight mix-ups, issues with baggage like delayed and lost luggage, and medical treatment.

The cost of travel insurance depends on multiple factors, like where you are from, the total expenses of the trip, the traveller’s age, dates of departure and return, and the initial premium paid. Travel plans can be as cost-effective as a few hundred rupees a day.

For more details, check out our article Travel Insurance 101: Understanding the Basics for Pakistani Travelers

How Does Travel Insurance Work?

Travel insurance works by repaying you for all expenses made during the interruption in your trip. For instance, if you miss a flight, travel insurance will compensate you for the missed or additional cost of a new flight you booked. Travel insurance will reimburse you for expenses incurred in case of lost luggage or medical emergencies. Travel insurance can also provide cover for trip cancellations and delays.

Common Benefits Covered by Travel Insurance

Travel insurance can be difficult to shop for since there are multiple benefits and coverage clauses to include. Common travel insurance benefits are:

• General Travel Protection, like Trip Cancellations, Travel Delay Benefits, and Interruption Coverage
• Missed Connections and Change over Fees
• Reimbursement of Miles or Reward Points
• Delayed Baggage or Lost Baggage Insurance and Personal Property
• Pre-Existing Condition Waivers
• Accident and Sickness Medical Bills (COVID coverage)
• Emergency Medical Evacuation Coverage
• Comprehensive Coverage for Emergency Medical Care
• Common Carrier Accidental Death & Dismemberment (Flight Accident Insurance)
• Search and Rescues
• Sports Equipment Renters and Rental Car Insurance
• Cancel for Any Reason Coverage (best plan if you want to cancel a trip with limited termination provisions)

Travel Coverage Types

There are two basic types of travel insurance policies:

• Trip cancellation and trip interruption coverage (Domestic Trips)
• Travel medical insurance. This is basically health insurance for international trips. This is an option suited for anyone travelling internationally.

Travel Insurance is Important Because….

A comprehensive travel insurance plan typically offers emergency travel assistance services and concierge services to you while on your trip 24 hours a day, seven days a week,

Travel insurance is slowly becoming an essential part of travel plans for any traveller. It provides coverage for unexpected medical emergencies. Medical costs can be high in many countries, and even more for Pakistani. A simple trip to a hospital emergency can rapidly add up to high charges, which will affect your budget. Travel insurance can relieve you of such costs while ensuring that you receive all necessary medical care.

Travel insurance commonly covers issues that cause trip cancellations or delays. For instance, family emergencies cause a genuine need for someone to cancel their trip due to unexpected circumstances, like sickness or a natural disaster. In such cases, travel insurance will compensate for most expenses related to your trip.

Similarly, suppose a traveller experiences any issue that results in a trip interruption, which is under the insurance cover, e.g., flight delays or cancellation. In that case, travel insurance can offer compensation for additional expenses incurred due to these factors.

For more details, visit our blog, The Benefits of Buying Travel Insurance Before Your Trip

Buying Travel Insurance

Travel insurance offers us peace of mind and a sense of security when travelling. Knowing that you are covered against financial loss in case of an emergency or unexpected event can allow you to relax and enjoy your trip without worrying about the economic consequences of something going wrong.

Like in any financial contract, it is essential to go over the terms and conditions of your travel insurance policy in detail to know what is and isn’t covered. Some guidelines may have exclusions or limitations on coverage, so it’s important to ask questions and clarify any concerns before you finalize a policy.

Similarly, some regions have restrictions on coverage and exclusions.

Travel insurance is necessary for anyone planning to travel, as it protects against unforeseen events and can save you from potentially disastrous financial losses. Whether planning a short trip or an extended stay in a foreign country, investing in travel insurance is a smart and responsible choice.

Things to Do

When picking a travel insurance option, you need to be aware of the usual insurance buying checklist. You need to:

• Read the policy document,
• Compare different plans and policies from different companies.
• Ask about coverage clauses and exemptions.
• Ask about network associations with your travel destinations to see how well you will be covered there.

As a traveller you need to get a comprehensive travel insurance policy that covers the most common travel issues and reimburses you for them on time.

Sadia Zaheer

Sadia Zaheer holds a Masters in Business Administration from IBA, Karachi. After working in several financial institutions in Client Management, Corporate Lending, Islamic Banking and Product Management she jumped careers to pursue a career in writing.
She is a Finance, Business and HR Development writer with four years of experience. She reads a lot and takes care of her multiple cats to remain calm.

The post How Travel Insurance Protects You Against the Unexpected While Traveling appeared first on Smartchoice.pk.

Buying travel insurance is something most of us ignore. Few of us buy travel insurance ahead of time, and even fewer compare policies to find the best travel insurance in Pakistan.

Here is everything you should look for before buying travel insurance in Pakistan.

1.  What does Travel Insurance cover for you?

A good travel insurance policy covers many situations, from minor to terrible inconveniences. This can be having your luggage delayed, or it could be a severe medical emergency, like getting stung by a poisonous insect and needing immediate medical attention.

You need to be covered for everything from lost and delayed luggage, flight delays and cancellations to medical treatment, medical evacuation and even transportation in case of severe illness and death. All these situations have different claim limits, of course.

Travel insurance also covers financial issues like reimbursing deposits or if your credit card is used fraudulently overseas.

2.  How to choose Travel Insurance

With so many different benefits in a travel insurance plan, it can be hard to select which one is worth your money. You should look for how much you are reimbursed for common travel hiccups.

Look for travel insurance that covers flight delays and cancellations since delays happen more often than we realise. They can be highly inconvenient, mainly because they cause you to miss your connecting flight. Ensure that your policy covers you for a decent period.

3.  Which Travel Insurance to Buy?

Like anything you buy, the best travel insurance gives you the most value for money. Say you are only travelling to Thailand for a weekend trip. You’re probably travelling light and don’t need significant coverage for loss of baggage.

You shouldn’t buy the cheapest in this case. The cheapest insurance will probably have lots of terms and conditions when it comes to claims. The important thing is to read the terms and conditions of your preferred policy carefully and make sure you are not caught unawares. This is especially important when you have pre-existing medical conditions

4.  Common mistakes In Buying Travel Insurance

How many of us know how to buy good travel insurance that suits our needs? Here are some common mistakes to avoid when buying travel insurance:

• Don’t just buy the first travel insurance you find. It is important to go through the details of the coverage provided to see if they are adequate for your needs or to cover the risks of the destination you’re travelling to, e.g. medical coverage and loss of personal belongings.
• Not reading the policy carefully: Many people make the mistake of not reading it carefully and end up with a policy that doesn’t cover what they thought it did.
• Not buying enough coverage: Another common mistake is not buying enough coverage. People sometimes buy the cheapest policy available without considering the coverage they need.
• Not disclosing pre-existing conditions: If you have a pre-existing medical condition, it’s important to disclose it to the insurance company. Failing to do so can result in a claim being denied.
• Not understanding the claims process: Make sure you understand how to make a claim and what documentation you need to provide. This can vary between policies and providers, so it’s important to be familiar with the process before you need to make a claim.
• Buying your travel insurance at the last moment: Like while waiting to board your flight or going to the airport? You should know that extra travel insurance benefits are applicable if you buy travel insurance ahead of your trip. For instance, coverage for natural disasters is automatically included.
• Not comparing policies: Don’t just buy the first policy you come across. Take the time to compare policies from different providers to find the best coverage for your needs and budget.
• You shouldn’t buy travel insurance just for the days you are overseas: You should include flights to and from your holiday destination to cover overall travel time. In the case of baggage delays, accidents during flights and connections, or even missing a flight, you will be able to claim damages.
• Not reading your travel insurance policy: like I always say, you need to read all policy documents carefully to see what is covered and what is not. Reading through the policy document lets you know what’s included and excluded, the claim limits, and what you need to do to file a claim.
• Assuming all travel insurance is the same: If your holiday includes adventurous elements like skydiving or scuba diving, check to ensure that the travel insurance you are considering covers these high-risk activities. Not every insurer will cover such activities, including sky diving, hot air balloon rides, and bungee jumping.

5.  When should I buy Travel Insurance?

Many things can go wrong when you’re travelling. Half of these things can happen even before you leave Pakistan. It is generally a good idea to purchase travel insurance as soon as you have made any non-refundable payments for your trip, such as flight tickets or hotel reservations. This will ensure that you are covered for any unforeseen circumstances that may arise, such as trip cancellations, medical emergencies, or lost or stolen luggage.

6.  Why should I compare Travel Insurance before buying?

It is important to note that travel insurance policies’ exact coverage and terms can vary, so it’s a good idea to carefully review the policy and understand what is and isn’t covered before purchasing. Additionally, some travel insurance policies may have a time limit for when you can purchase coverage, so it’s best to do so as early as possible to avoid any potential issues.

Sadia Zaheer

Sadia Zaheer holds a Masters in Business Administration from IBA, Karachi. After working in several financial institutions in Client Management, Corporate Lending, Islamic Banking and Product Management she jumped careers to pursue a career in writing.
She is a Finance, Business and HR Development writer with four years of experience. She reads a lot and takes care of her multiple cats to remain calm.

The post Travel Insurance 101: Understanding the Basics for Pakistani Travelers appeared first on Smartchoice.pk.

Maribor, Slovenia

Slovenia is a tiny but vivid country, especially for family travel. Rent a vehicle and head north from the capital to Maribor, a condensed city that’s just a stone’s throw means on very little distance from active entertainment suitable for all ages. The activities there include canoeing on the river Drava in summer and skiing in the nearby resort of Pohorje in winter. In spring, the tourist can try the resort’s single-track toboggan that hurtles down the ski slopes at up to 30mph.
Where to stay in Maribor
• Best place for staying near nature: Chateau Ramšak – Vineyard Glamping Resort
• Best apartment-style: Hotel Maribor, City Apartments

Reserva Monteverde, Costa Rica

Costa Rica is a yet to be explored completely travel gem. It’s a world leader in eco and adventure tourism, with the Monteverde area a prime example. About half of the sheltered area is conserved as the Bosque Eternal de los Niños (“Children’s Eternal Forest”), a huge stretch of lush cloud-forest, rainforest and montane evergreen forest threaded with trails and full of wildlife-spotting prospects. As one can expect, there are plenty of outdoor activities available for all kinds of adventure appetite: hiking, camping, zip lines, canopy excursions and horse riding. Nearby Monteverde Cloud-forest Biological Reserve offers yet more primeval forests and adventure activities, while Reserva Santa Elena even has pushchair-friendly trajectories.
Where to stay
• Best B&B to stay in Costa Rica: Camino Verde B&B Monteverde Costa Rica
• Best place for staying near nature: Chira Glamping Monteverde
Things you can do
• Best for nature and animal experience: Sustainable farm tour
• Best for foodies: Bread making in the forest
Tailor-made trips
Families travelling can opt for tailor-made trips, for instance, see sloths, toucans, monkeys and more on a visit to Costa Rica with any native, expert service providers. Take a look at sample travel plans like Beaches and Volcanoes and Tropical Costa Rica and use them for your own, personalized schedule.

 Bali & the Gili Islands, Indonesia

A country located in South-East Asia has all the ingredients of the tropical beach vacation for travelling alone, friends travelling in group and families with children. Bali’s entrancing Hindu culture and jaw-dropping tropical sceneries are enough to have any family mesmerized. But there’s no short supply of activities to keep the children from having fun, starting from Ubud’s monkey forest and shadow puppet shows to waterfall swimming at Gitgit and dolphin-watching off on the Bali’s north shore. When it’s time for serenity, the serene Gili islands are a short boat ride away. With white sands and still waters, Gili Air is the picture-perfect place to enjoy the tantalizingly slow pace of island life, but Gili Meno’s turtle hatchery is unquestionably worth a day trip.
Where to stay
• The Best family place in Ubud: Mehrudani Boutique Hotel
• Best family hotel on Gili Air: Vyaana Resort Gili Air
What to do
• Suggested activities for the active family: Beginner’s surf lessons for the whole family in Kuta
• Best to explore the island paradise: Snorkel Gili Nanggu, Sudak & Kedis islands
Tailor-made trips
We recommend that before travelling contact a travel guide or an expert on the area for the ultimate Bali family holiday. Take any travel plan and tailor it according to your fondness, like the Rest and Relaxation in Bali and Lombok itinerary, or start your request from scratch.

Havana, Cuba

At Havana apart from experiencing the fading magnificence of the exciting city, Havana has a mass of places to go with children. An excursion through the planetarium walks you through four floors of rooms, projecting a journey through the outer space, from the Big Bang (represented by a light and sound display) onwards. The Parque Almendares, as well as being a welcome stretch of greenery, is an impeccable picnic spot and offers rowing on the river and crazy golf.
The place to stay in Cuba
• The best place particularly for families: Home Jaime y Cuki
• The best boutique hotel: Malecón 663 Boutique Hotel
What to do in Havana
• Best for exploring the Old Town: Walking tour and Cocotaxi Ride
• Best for exploring the new parts of Havana: 2h convertible Classic Car ride
Tailor-made trips
We believe that you should plan and book your family trip to Havana with made trips so that you can enjoy the most while you are staying in Havana. Have a look at some example itineraries, like this active family adventure or this e-bike tour across the island. You can one or the other modify an existing travel plan or start from the beginning and just take in the comments of your local expert will then create and quote your personalized trip.

 Rosario, Argentina

While Argentina isn’t exactly well known as a family destination, it has a lot to offer for us to recommend it to you as a family destination for a vacation. The food is wonderful (kids will particularly appreciate the traditional heladerías or ice cream parlours); there’s a spectacular variety of landscapes and open-air activities, and the wildlife-spotting is second to none. Rosario makes a good base if you want to venture away from Buenos Aires; not only does it offers child-focused attractions like the Jardin de los Niños and the Museo de los Niños, but one can head out on river tours or rent a car and work your way north, ending up at the awe-inspiring Iguazú Falls.
Best Place to stay
• Best to stay in the city centre: Holiday Inn Rosario
• Best value: Roberta Rosa de Fontana Suites
What to do in Argentina
• Best for first-time visitors: Walking tour through the historic centre
• Best for views: Riverboat tour on the Paraná river
Tailor-made trips
For a trip family trip to Argentina that the whole family will definitely enjoy, get in touch. You can always pair up with a local expert to plan and book every aspect of your holiday. Have a look at many sample travel plans, like Magical Patagonia, and get encouraged for your own trip.

North Island, New Zealand

New Zealand’s North Island might not have snowcapped mountains, but it doesn’t hold back when it comes to affected scenery. Kids will be captivated by the sulphur stink at Rotorua, the little living lights in the glowworm caves of Waitomo and the bubbling pools at Hot Water Beach on the Coromandel Peninsula. If you hire a motorhome you can explore at your own pace. We all are fascinated with the lords of the rings trilogy, these days it’s impossible to separate New Zealand from it, and young enthusiasts will love the hobbit holes at Hobbiton, as well as Wellington’s Weta Workshop, the centre of New Zealand’s film industry, where kids can absorb all about prop building and prosthetics.
Where to stay to North Island
• Best in Rotorua: Prince’s Gate Hotel
• Best in Waitomo: Waitomo Caves Guest Lodge
Things to do in North Island
Best for family museums: 3D Trick Art Gallery
Best evening experience: Glowworm caves boat tour
Tailor-made trips
For family holidays in New Zealand, try the Rough Guides Tailor-Made Trip service: itineraries like the self-drive North Island can be used as a starting point for your own, personalized adventure. Find sample travel plans and travel with an amazing programme for your family.

San Ignacio, Belize

San Ignacio, Belize is one of the safest and stress-free Central American countries to explore with children. Apart from its colourful marine life and beautiful beaches, its (malaria-free) rainforest interior provides tropical excitement. At Caves Branch Jungle Lodge near San Ignacio, you can float downriver in an inner tube through luxuriant forests full of cheeky spider monkeys and squawking toucans, then wake up to a dawn chorus of chirping cicadas.
Places to stay
• Best for nature immersion: Hidden Valley Inn & Reserve
• Best for staying close to town: San Ignacio Resort Hotel
What to do
• Best for history & fun: Caracol Maya Ruins & Waterfall tour
• Best for outdoor adventure: Half-day canoeing tour
Tailor-made trips
If you’re looking for family holidays to Belize, contact the local experts as soon as you decide on the destination. They would be happy to create, quote and book itineraries tailored to your preferences and wishes and desired places.

Colorado, USA

You won’t find finer views and cleaner air than in Colorado, USA. If you’re looking for a family trip that embraces the great outdoors, this state solicits to be explored. Start in the compact, mile-high city of Denver, from there it’s a short drive to the sparkling alpine lakes and magnificent peaks of the Rockies. Hidden further east is Colorado’s answer to the Grand Canyon, the dramatic Black Canyon of the Gunnison National Park, one of America’s most discounted national parks. Older kids with an interest in history will also be fascinated by the Ancestral Puebloan cliff dwellings at Mesa Verde in the state’s southwest corner.
Where to stay
• Best for boutique luxury: Kimpton Hotel Monaco Denver
• Best for families: Hyatt House Denver/Downtown
What to do
• Best for a first impression: Half-day tour from Denver to the Rocky Mountains

• Best for evening entertainment: Haunted Walking Ghost Tour – suitable for the whole family

Nairobi, Kenya

On the exterior, this extensive city doesn’t seem like one of the most sensible places to go with kids. But Nairobi has access to some delightful child-friendly attractions. Nairobi National Park, where lions, leopards, giraffes and zebra roam free within sight of the city, is the perfect day trip for wildlife watching. For a more hands-on experience, try the Giraffe Center where you can feed these sophisticated, long-necked beasts from a raised gallery, or the David Sheldrick Wildlife Trust where bereaved elephants are transformed and prepared for life in the wild.
Best places to stay
• Best location to the CBD: Swiss Lenana Mount Hotel
• Best for a luxurious break: Villa Rosa Kempinski
What to do
• Closest National Park: Nairobi National Park, an easy drive from Nairobi for a half-day safari experience
• Best for up-close animal encounters: David Sheldrick Wildlife Trust & Giraffe Center
Tailor-made trips
Thinking about going on safari? Check our Family Safari in Kenya trip. For a memorable trip to Kenya, we can connect you with a local travel expert to plan and book the perfect holiday.

Puglia, Italy

Puglia, in the heel of Italy’s boot, is a great choice for a family holiday in the sun. With no end of pristine beaches, the Salento peninsula is a highlight; the seaside town of Otranto with its hulking castle makes an appealing family-friendly base. The countryside has its charms too, not least the fairytale trulli – kids will love spotting these pint-sized limestone dwellings with conical roofs, which are dotted throughout the region. Head to UNESCO-protected Alberobello for a town full of trulli you can even spend a night in one for added fun.
Places to stay
• Best in Otranto: Vittoria Hotel Resort & Spa
• Best in Alberobello: Tipico Resort
What to do
• Best for foodies: Street food walking tour in Lecce
• Best in Alberobello: 2-hour guided walking tour to learn more about its unique history

Tailor-made trips
Plan your family holiday in Italy with local Italian trip planners and trip advisers. Our local experts create customized travel plans according to your preferences and wishes, with straightforward pricing and easy booking options.

Bran, Romania

In Bran, Romania for older children, Romania is a feast of freaky folklore. With its grim disguise, bartizans and ramparts, and dangerous position, teetering atop a rocky no-nonsense against a mountain backdrop the Bran Castle is the exemplary vampire count’s lair. To spend more time exploring and less time waiting in line, make sure to get your entrance ticket well before time. The historical symbol behind Romania’s Dracula legend (Vlad Țepeş) is as terrifying as Bram Stoker’s fiction: he wasn’t known as “the Impaler” for nothing. There are countless other atmospheric sites linked to the legend, not least Poenari Castle, where Vlad once lived, and the country’s “cult of the dead” is never far from the surface.
Where to stay
• Best for families: Pensiunea Casa Doina
• Best for a little luxury: Casa Din Bran – Inn Nature

Edinburgh, Scotland

The Scottish capital is tiny enough to promenade round and hosts a number of fun and educational attractions for the whole family. But what makes Edinburgh stand out is its festivals: there are twelve major festivals throughout the year, including the famous Fringe, from a storytelling celebration to a science fest. If you don’t go during festival season, the Camera Obscura makes for some preposterous family photos, and of course, there’s the Museum of Childhood where you can get sentimental and wistful and the kids can get hands-on.
Where to stay
• Best for a little luxury: Radisson Blu Hotel Edinburgh
• Best on a budget: Novotel Edinburgh Centre
What to do
• Best for Harry Potter fans: Harry Potter magical walking tour
• Best for a rainy day: Camera Obscura and World of Illusions
Tailor-made trips
Book your family holiday in Scotland with Rough Guides Tailor-Made Trips. Family adventures from Harry Potter to Loch Ness await or book your own personalized trip with the help of local experts and tourist guides.

Brittany, France

Brittany, France is a European bucket-and-spade holiday, it’s hard to beat Brittany. France’s roughly beautiful northwest offers everything from charming seaside resorts and family-friendly campsites to remote coves and rocky peninsulas. For a first visit, base yourself in St-Malo, where a strip of stunning beaches stretches east from the winding streets of the old walled town. Older children can try windsurfing or catamaran sailing at the St-Malo surf school, while grown-ups will bargain fresh oysters to feast on and local ciders to sample. And on rainy days, consider a trip to the Aquarium.
Where to stay
• Best for ocean views: Kyriad Saint-Malo Plage
• Best on a budget: Hotel Eden Saint-Malo

Toronto, Canada

Toronto is a-buzz and amazing with kid-friendly activities, from cheap thrills marveling at the slick skyline and interweaving town aboard a streetcar to splashing out on a ticket to go up the famous CN Tower and sighting dinosaur bones and Native Canadian headdresses at the ROM (Royal Ontario Museum). To make the most of your time in Toronto, book your entrance ticket well before time and receive chosen access to the ROM. Chinatown and nearby Kensington Market are great browsings and wandering territory, and the Toronto Islands are only a ferry ride away, but a world apart from the city’s hustle and bustle. If you have time on your hands, you can venture south to spectacular Niagara Falls or north to the rocky islets of Georgian Bay. For children over 7 years of age, check out the adrenaline-fuelled zipline experience from Niagara Falls.
Where to stay
• Best for a little luxury: Fairmont Royal York Hotel
• Best for great views of the city: Radisson Admiral Toronto Harbourfront

Lake Retba, Senegal

Senegal has a lot to offer families, from wide-open beautiful beaches on its wild Atlantic coast to some seriously curious natural wonders. There’s the pink-hued Lake Retba, which, at its liveliest, is a startling sight. There are undulating sand dunes ripe for you and your 4X4 to explore, and don’t miss Ile de Fadiouth – a small island in the south made entirely from shells.
Best places to stay
• Best for being on the coast: The Rhino Resort Hotel & Spa
• Best on a budget: Hotel Mermoz
What to do
• Best for wildlife: Fathala Wildlife Reserve
• Best for a relaxed tour: From Dakar or Saly to the Pink Lake

Antalya, Turkey

Antalya, in southern Turkey, is packed with activities to keep the whole family entertained. Behind Konyaaltı beach lies the Antalya Aquarium (complete with 4-D cinema), the Wildpark (devoted to insects and reptiles) and – for when the kids really can’t bear the heat an indoor snow park. Next door is Antalya Minicity, which has a 1:25 scale re-creations of some of Turkey’s most iconic landmarks. The Toy Museum at Antalya’s harbour also provides a fun distraction from the beach.

Best places to stay
• Best for family fun: Titanic Beach Lara
• Best on a budget: Sealife Family Resort Hotel
What to do
• Best for families with teenagers (14 years) and older: Quad Safari
• Best for younger children: The Land of Legends Theme Park

Tokyo, Japan

There are loads of kid-friendly destinations in Japan, but when it comes to places with activities all the family will enjoy as with everything you’re spoiled for choice in Tokyo. The Ghibli Museum and Odaiba highlight, and the city have plenty of huge parks and interactive museums to explore together. Tokyo Disneyland is also nearby, while Yokohama (for Chinatown and yet another Ferris wheel), Kamakura and Nikkō (more nature and history, less neon) are all visitable on a day trip.
Best places to stay
• Best on a budget: Hotel Gracery Shinjuku
• Best for a little luxury: Grand Nikko Tokyo Daiba
What to do
• Best for a full day of fun: Tour to Disneyland or DisneySea including transport and preferred access
• Best of both worlds for younger & older children: Tokyo Legoland and Madame Tussauds entrance tickets

Cape Tribulation, Australia

Queensland’s Cape Tribulation is great fun for courageous children, and adults too. With both lush forests and palm tree-lined beaches, there are plenty of activities that Australia has to offer. From here, you can also take a boat trip out to the barrier reef or trek through Daintree Rainforest on the lookout for primordial cassowaries, avoiding crocodiles, spiders and snakes along the way. The brave might want to try a night-time rainforest walk or a thrilling treetop jungle zip wire.
Where to stay
• Best for being close to the rainforest: Heritage Lodge In the Daintree
• Best on a budget: Cape Trib Beach House
What to do
• Best for outdoor lovers: 2-hour beach and rainforest horseback ride
• Best for underwater fans: Ocean Safari Tour including snorkelling

The Maldives, Indian Ocean

The Maldives in the Indian Ocean might seem like a honeymoon-only destination, but don’t be turned off. Most resorts are child-friendly it’s best to check first, though, to avoid being surrounded by just-married couples. Rent a hut on the beach and children will spend hours playing in the white sand, jumping in waves or snorkelling in the shallow waters.
Many islands have swimming pools and offer beach games, kayak hire, and dolphin-spotting trips too, with diving courses for older children.
Where to stay
• Best for on a budget: Meeru Island Resort & Spa
• Best for a little luxury: Velassaru Maldives
Tailor-made trips
Not sure where to stay and what to do? Consider taking a combination trip Sri Lanka and the Maldives together, and contact the local tour advisers today for your own, personalized offer.

Ko Lanta, Thailand

Ko Samui or Ko Lanta are great possibilities for family holidays, with plenty of facilities and lots of distractions for kids. If the thought of resorts makes you shudder, Thailand’s well-developed traveller arrangement makes it fairly easy to head to a more isolated island or part of the mainland. Thailand is especially great for kids in January National Children’s Day (the second Saturday of the month) means free activities and public transport for children all over the country.
Where to stay
• Best for a little luxury: Pimalai Resort and Spa
• Best for amazing views: Unique Sea View Apartments
What to do
• Best for beach lovers: 4 Islands and Emerald Cove Snorkelling Trip
• Best for local immersion: Tung Yee Peng Village Eco-Tour
Tailor-made trips
Thinking about taking the family for a vacation to Thailand? Don’t worry about the logistics but let the professional local experts take care of the quoting and booking process for you if you are not a frequent traveller and need help with planning and execution. Modify existing itineraries like the way you desire Family Time in Thailand trip or start from scratch starting from asking the quote online.

Cape Town, South Africa

The outside activities are never far away in Cape Town, which makes the city a on the whole great destination for children. It’s tough to beat the city’s marvellous beaches, the highpoint of which for most kids is Boulders, home to an inhabitant of the penguin-breeding colony. The beach at Fish Hoek, a little further north, boasts a playground alongside its beautiful beach and gentle waves. There’s also a richness of parks and open spaces, the spots are perfect for picnicking in fine weather, while for rainy days there’s a handful of good, hands-on museums.
Best place to stay
• Best for views of Green Point: Cape Royale Luxury Hotel
• Best for a little luxury: The Table Bay Hotel
Best things to do
• Best for exploring underwater species: Skip-the-line tickets to the Two Oceans Aquarium
• Best for coast views: Sailing Trip across the bay
Tailor-made trips
Explore Cape Town on this 8-day long sample trip or stay active as a family and cycle the Garden Route – the locals and experts would be happy to plan these trips for you or create your own unique family adventure.

Galápagos Islands, Ecuador

The daring wildlife of the Galápagos Islands makes adults feel like kids and make kids feel like they just can’t believe their luck. They’ll tread softly in between giant tortoises, have birds land inches from their nose, splash around in the shallows with playful baby sea lions, and snorkel near hammerheads and enormous turtles. When they get tired of the wildlife one-on-ones, amuse them with stories and accounts of the sixteenth- and seventeenth-century pirates who hid out on the islands. The landscape is still (almost) exactly as those old sea dogs would have known it, and there’s still even some old pirate graffiti to boot.
Best place to stay
• Best for a little luxury: Galapagos Casa Playa Mann
• Best on a budget: Galapagos Verde Azul
Tailor-made trips
You can explore Ecuador’s cultural cities before heading to an island paradise or create your own itinerary from scratch with the professional help of our local experts.

Tobago, Caribbean

Perhaps the Caribbean’s most laidback place to take the kids, tiny Tobago provides dozens of activities and wildlife experiences, from beachside horse-riding to hummingbird spotting. Instead of high-rise hotels, you’ll find small-scale guesthouses accustomed to catering to families. Steel bands and street eats, fresh juices and safe swimming beaches – one you’ve been “Tobagoed” you’ll want to return.
Where to stay
• Best on a budget: Lillibets
• Best for being by the ocean: SeaScape on Heavenly Bay

Travel Secure

One thing to remember is safety and security comes first, be it financial or health. You need to insured that you are covered and protected. The world has evolved in the past one and a half year and the things, such as additional documentation like vaccination certificates has become as important as your passport. The countries which didn’t require travel insurance, have now explicitly mentioned the presence of corona care in your travel insurance policy.
So it is recommended and suggested that before applying and executing any plans it is imperative to get the travel insurance and travel secure and carefree without any hassle and stress.

Last word! ‘

OK so you’ve read all the way through the article and you’re now equipped with a list of places to go with kids in tow. But what about getting there? We’ve all been on an aeroplane with a crying baby or unruly toddler and felt the parent’s pain. And we’re not going to lie: long-haul travel with the whole clan can be challenging, but there are some ways to make family travel go more smoothly.
Firstly, if your children are old enough, get them involved in trip planning – talk to them about where you’re going and ask them to think about a special day out or activity that they’d like to do while you’re there. If your kids are crafty, think about a scrapbook that they can start to work on before you leave, and add to while you’re away. Let your kids pack their own mini suitcases or backpacks with games and favourite toys. And don’t feel guilty about letting your kids watch movies on the flight!
Travelling with a baby or toddler? First of all, give yourself a break. Many of your fellow travellers will have been in your position and understand the stresses and strains. Get to the airport early so you don’t have the additional stress of being late for your flight. Different airlines have different rules about free seats or discounts for children, so do your research and you could save yourselves money.
Be realistic about what you can see or achieve in a day and enjoy the downtime as much as you’re exploring time. Young children will take a while to adapt to new time zones, temperatures and cuisines, so be patient with them (and your partner!).

Khurram Zahid

The post 21 Best Holiday Destinations to Travel with Family and Children! appeared first on Smartchoice.pk.

So we believe that heading off on a new adventure and voyage is one of the most exciting things to do, and the opportunity to visit new destinations and find out amazing experiences is always a good idea. We know that when you are excited and something that you call a great trip on the horizon, even the planning can be exciting, but, learning from our experiences of life we know that the best-laid plans in the world can’t always account for everything.

Travelling can be a pricey business, and unexpected travel expenses can have a huge effect on what you’re able to do on your trip. No one wants a nasty surprise halfway through their dream vacation, and ending up over-budget, or worse still running out of cash can really kill the holiday mood.

Still, it has been found that people run out of budget despite preparing a substantial travel budget due to overspending without acknowledgement. This brings us to the need to face unexpected expenses that can be harsh and at times unforgiving or severe (when travelling on a budget) in your pocket.

Well, that doesn’t mean that you didn’t prepare or plan well. Despite travelling with proper preparation and reservation, there are times where travellers are charged in the name of tipping, hotel booking fees, hotel resort fees, and complimentary snacks. While organizing your trip, one should be familiar with the tipping culture of different countries; it may seem like a very small thing but if ignored, this alone can cost an individual a lot of money. Well, you can go through the additional expenses by doing some research and the required groundwork about the place prior to your travel plan. In case the hotels are too expensive, you can choose hostel-based self-service in most countries abroad.

It’s easy and usually normal to go over budget when travelling. It might be as small as that souvenir you absolutely needed or you had an exotic and expensive dinner one night. Whatever it may be, these are extra expenditures you chose to pay for, so what happens when there are expenses you weren’t expecting or had calculated in your original “travel budget plan”? Those troublesome hidden fees can seriously hurt your wallet and throw off your vacation.
The good thing is that with a little preparation and research you can avoid most of the common unexpected travel expenses that may arise. So before you book a last-minute flight to Maldives or Turkey or fly across to Europe, take a look below at what we have got to say about some of the things travellers often forget to budget for, as well as costs that can take you by surprise or even as a during your vacation, and how to avoid them.

Here are a few common unexpected travel expenses and what you need to do to avoid them:

Baggage Fees

Baggage fees can be complicated and a little tricky, especially when flying numerous airlines. They all have different weight and size dimensions that can cost and charge you a pretty penny if you don’t meet those requirements.
Before filling your suitcase to the top, find out the weight and size requirements for each and every airline you are flying. Also, check your ticket to make sure luggage is included with your ticket. Budget airlines/tickets when travelling with a lot of transit don’t always include free checked luggage or even a cabin carry luggage!
Baggage fees are usually not kept from us; they are reasonably awaited costs that contribute to our trip. To combat this situation, you can begin learning about the airline’s weight, size, and height restrictions. Before you pile up so much fabric in your suitcase, make sure it’s used; else, there’s no point in paying for needless products. If they are redistributed by the dense and challenging, you should even suggest wearing any of them
To avoid ever having overweight luggage issues when travelling, invest in a portable luggage scale that you can use in your hotel or even at the airport before checking in the luggage to save an expense.

Hotel booking fees

You find the perfect hotel in the perfect place and the price is right within your budget. You come back to purchase the room and as you checkout, you notice the hotel has tacked on “service” fees and “cleaning” charges, making the price more than you anticipated.
To avoid surprises, go through the process as if you were actually booking the room, all the way until payment is needed. Don’t enter payment, but take note of the total price. You will be shown the complete total with all fees attached.

Hotel city taxes

In some countries, like Europe, lodgings will charge a city tax. This is recognized as the tourist tax. This can fluctuate from 2 euros per person to a percentage of your total price. This is usually paid when you get to your lodging and many tourists are often asked to pay with cash only. One of the tourist’s on their recent trip when they stayed in a few Airbnb’s and had forgotten about these taxes and they put my budget out of proportions.
Don’t be like them, simply ask the hotel or host if they have any tourist taxes or additional fees and how much they will be.

Debit/Credit card fees

There are 1000’s different banks across the world, which means fees for non-members. If the travellers don’t have a travel card, travellers probably end up paying ATM or withdrawal fees. If someone is travelling internationally, some cards may even charge a tourist’s small percentage for each purchase.
The best way to avoid these fees is to have a travel card that reimburses these fees or one that can be used internationally with no ATM or purchase penalties. Don’t forget to always notify the bank when travelling out of the country to avoid the card being denied or worse eaten up by a machine.

Roaming charges

In this global village today we’re connected to our phones and want to be able to use them wherever we go. However, it’s not always possible to do so while travelling.
Turn off roaming on the cellphone to avoid expensive bills when after travel individual return’s home. Use Wi-Fi when and where possible, or think about purchasing a Sim card at the destination. Let us explain how to do this and other tricks in this heading for using your phone internationally.
Usage of cell phones overseas is often inevitable or inescapable, but it can come with some seriously cumbersome roaming charges. Data and minutes are usually overpriced, and when individuals are paying by the minute or the megabyte a quick scroll through social media, using the map app, or a check-in phone call will come with a huge bill.
It is well worth and recommended to turn off roaming before travelling, so you don’t inadvertently get charged for anything. Use WiFi as much as possible for internet use, and if someone is likely to need to make regular phone calls, think about procuring a local sim card.

Tipping

Some restaurants add automatic tips to the bill. This may put a ding in an individual wallet if it was more than that was planned on tipping. Ask beforehand if tips are applied automatically, or add the 15-20% tip to your dining budget for every meal to add wiggle room.

Patio fees

In the European Union countries, it will often cost people more to sit down or sit outside at a restaurant. In Italy, it is common for places to charge for sitting and drinking coffee. In Spain, we were often charged extra if we wanted to sit on the patio outside rather than inside. Restaurants will frequently note the additional fee at the bottom of the menu or a sign. If in doubt, don’t be afraid to ask or try looking it up on sites that may help better navigate through the process.

Uber/Cab fees

There may be an extra charge for that ride from the airport to any of the desired destinations. This applies mostly to Uber or any other ride-hailing applications but sometimes happens to Cabs in cases of turmoil in a country. For instance, during the strikes in Paris, cab scammers were charging in the air approximately 150 euros to get into the city from the airport. During peak times, Uber will increase ride prices
To avoid paying a great deal of money, know that there are flat rates for taxis and that they must bear these. People often travelling should learn these rates to avoid getting ripped off. If Uber prices are over-the-top, consider opting for public transportation like the metro, the bus, or a shuttle.

Emergencies

Having an emergency is the last thing you want to think about when on vacation, but it’s something we have to think about. Accidents can and probably will eventually happen if you travel frequently. To make sure you’re covered, purchase travel insurance for every trip or have a credit card on hand in case of an accident. Well, nobody goes on holiday knowing medical emergencies are waiting for them on the way. There is always a risk of disasters when you are travelling from your city because the body cannot always cope with the abrupt shift in the routine or environment. These circumstances are inevitable; an individual will have a hard time dealing with them if they don’t handle them adequately. Start preparing for them in advance by taking all the requisite vaccines, medicines, safe travel insurance, and emergency funds are a must.

Travel insurance helps in transferring the risk from the individual pocket to the insurance provider in case of any unforeseen situation or circumstances. The travel insurance allows the traveller to enjoy the vacations/holidays without any worry and with ample peace of mind.

Prior Research of the Holiday Destination

You can be exhausted on or after flying while you’re on holiday, and taxis at the airport are often too costly. Around peak time, rates are paid twice, and the risks of theft are increased; To avoid such scenarios, carry out prior research on the location, be it a small street, place, or spot. Read more of the various modes of transport to choose carefully as public transport is better than the reserved one. You can share a taxi if you like since they provide the same degree of comfort at a lower price.

Cellular Charges

Smartphones are the most used devices in our daily life intact; everyone needs their phone throughout the journey, right from booking tickets to uploading photos on social media. In the middle of the trip, it will help take pictures, navigate locations, carry all the other documents, and require road maps.

To avoid heavy cellular charges, knock out surplus services from your setting or inquire about any of the best packages available from your mobile operator, when travelling make use of free WiFi wherever available as the data usage generally goes up while travelling. When going for a month or more than a week, the traveller can consider buying/upgrading him/herself to a local sim card.

Foreign Exchange Fee

Been there and done it kind of situation as we try and plan everything about the vacation and it is planned to the tee, but in a certain scenario where we might realise the day before you are due to leave that you don’t have any foreign currency! Changing money at the airport commonly comes with poor exchange rates and big fat charges. Taking money out from ATMs abroad with your day-to-day card can be even more expensive.

While all foreign money exchangers will charge a certain fee of some sort, there are plenty that offers better rates and lower fees. Make sure when travelling does a little research online in advance to find the best places to change money. On the other hand, take a look at debit cards that offer no charge/fee-free withdrawals abroad. This will give an individual more flexibility which makes the person free of the responsibility and one doesn’t have to carry cash…although there will still be the risk of ATM charges.

We know from an experience that on the first trip abroad, many people have no idea how pricey converting the money could be. Currency exchange places also usually take a fee for their services, costing a person even more. Use a currency converter, to make sure to get the best rate. It is also often cheaper to exchange money in the destination country rather than at home before the start of the trip.

Credit Card Charges

An individual tends to pay for minor things with cash, snacks, and souvenirs and so on one might not always be able or want to carry enough physical money to cover larger purchases. However, using credit cards abroad can come with a whole load of hidden charges, which can quickly add up if one is not careful. Bad exchange rates, foreign transaction charges and Dynamic Currency Conversion can all make using plastic on vacation a bad idea.
Quite a few credit cards do offer fee-free use abroad. It is worth calling the credit card company before an individual journey anyway, to prevent the card from being blocked for ‘suspicious activity, so one should take a moment to ask about charges as well. If you are a frequent traveller it might be worth applying for a credit or debit card that lets an individual spend money abroad free of any expense. Another option is to get a prepaid card from a foreign money exchanger.
Exchange rates with these cards are usually better, and you’ll be able to withdraw money from ATMs.

WIFI

We have already mentioned WiFi and cellular charges, it is worth indicating out that even in today’s super-connected and globalised world, many hotels and airlines still charge for WiFi use. When it comes to hotels, check out what their WiFi usage policy is, and how much they charge for the usage. It might even be worth upgrading to a marginally more expensive hotel if they throw in free WiFi! With airlines, just download on the tablets and devices with offline music, films and games, Netflix series and enjoy taking a break from the email notifications!

Departure Taxes

We are scared of the nasty final surprise, we often have to face at the end of a vacation, many countries like Costa Rica and Argentina charge departure taxes at the airport when leaving. These do not really cost that one can avoid, hence it is recommended to do a little research in advance so it doesn’t come as a pure shock when confronted with an added fee/tax when an individual is going back home.

Visa Costs

While many countries require the traveller to sort out the visa situation in advance and before travelling, there are also plenty of places where you need to buy your visa on entry, at customs.
In line with departure taxes, this isn’t really something one can avoid. But with pre-planning, travelers can ensure that they have the required money set aside for any and all visas and border crossings that one might/will need throughout the trip. Costs aside, when it comes to procuring visas it is worth doing intensive research in advance anyway as if you are missing something that one might need to enter or exit the country one will have to spend a lot of time trekking back and forth to the embassy, which brings stress, hassle, and loss of vacation time!

Last Word!

We hope this article would be a great help to anyone travelling be it you or your loved one! Understanding that having a certain budget will bring you peace of mind so that you can fully enjoy your trip without the worry of spending or over-expanding your budget. It’s always a great idea to have a miscellaneous section of your budget for unexpected expenses as well. Whether business or pleasure, enjoy your next trip without the concern of unexpected expenses.

Khurram Zahid

The post Unexpected Travel Expenses (And How to Avoid Them) appeared first on Smartchoice.pk.