How to buy Travel Insurance
Benefits of Travel Insurance
Delayed Departure
If your flight is delayed for reasons listed in the policy wording, the insurance provider will cover the expenses. Reimbursement will be made upon presentation of relevant proofs and original invoices, according to the policy terms. This coverage applies when the delay exceeds 8 hours.
Loss of passport
If your passport is lost or stolen unintentionally, the insurance provider will compensate you for the expenses incurred in obtaining a new passport, up to the policy limit. Report the loss immediately to the relevant authorities in the area where it occurred.
Emergency return home
In the unfortunate event of the death of a close family member during your trip, the insurance provider will arrange and cover the costs for your return journey to your place of residence. Please provide evidence (documents or certificates) of the event that led to the early termination of your trip.
Trip Cancellation
If your immediate relative or travel companion suffers a serious injury or passes away, the insurance company will reimburse you, up to the policy limit, for irreversible deposits, advance payments, and other charges related to travel and accommodation.
Student
Are you taking part in a student exchange program or planning to pursue higher education in Schengen countries? Consider getting travel insurance specially designed for students, which offers health coverage and other benefits.
Religion
If you're embarking on a religious pilgrimage for Ziyarat, Hajj, or Umrah, enhance your spiritual journey by obtaining travel insurance. Explore our range of religious travel insurance policies, with prices starting as low as Rs. 500.
Multi Trips
Whether you're a frequent business traveler or simply a travel enthusiast, why not opt for a multi-trip cover? Enjoy year-round coverage with the best-priced insurance policy. Travel without worries, knowing you're protected.
Travel Insurance Guide
Travel insurance provides protection against a variety of unforeseen events during your travels, including medical emergencies, loss of passport or luggage, delayed departure, and more.
Simply enter your travel dates and other relevant information on our website. Compare plans from different providers and conveniently buy online using various payment options.
You can make payments via Credit/Debit Card, Bank transfer, or COD (cash on delivery).
Upon recieving payment, your travel insurance policy will be available in your email inbox in 60 minutes or less.
It's always wise to save money, especially when going on vacation. Instead of spending a fortune on your insurance policy, consider using smartchoice.pk. It allows you to search and compare insurance companies at once, instantly providing you with the best quotes. You can then purchase your travel policy directly from the website.
When making a travel insurance claim, ensure you have your important documents with you. Contact your insurer immediately and provide them with details of the incident. You will be sent a claim form or can download it from the insurer's website. Act promptly, as there is often a deadline of 31 days. If you require medical treatment abroad, seek authorization from your insurer beforehand.
In the event of theft or other crimes while on holiday or a business trip, contact the police within 24 hours of the incident. Your insurer will likely require a police report or crime reference number to process your claim. For lost or stolen personal belongings, you may need to provide receipts as proof of value and ownership.
Keep in mind that your policy has a maximum coverage limit for each type of claim. Additionally, certain activities, such as injuries caused by intoxication or participation in hazardous sports, may not be covered.
Yes, you can extend your travel policy while traveling. However, certain requirements must be met, such as not having made any claims prior to the extension request. The provider may also require an authorized letter from a physician stating that the insured is in good health. Additionally, a declaration from the person requesting the extension is necessary. If approved, extra charges will apply for the extended days, not exceeding a total of 90 days.
Yes, you can easily purchase travel insurance for your parents, even if you are residing abroad and they are traveling from Pakistan. Many insurance companies offer coverage on a country-by-country basis. It's important to find the right insurance policy for your parents, and keep in mind that premiums may increase for individuals over the age of 64.