Planning a trip to the United Arab Emirates (UAE) is an exciting experience, especially for Pakistanis traveling for tourism, business, work, or family visits. However, one of the most common questions travelers ask is: “Is travel insurance required for a UAE visa from Pakistan?”

The short answer is yes—in most cases, travel insurance is mandatory when applying for a UAE visit visa. Whether you’re applying for a tourist visa, family visit visa, or short-term entry visa, proof of valid travel insurance is often a requirement. This article explains why travel insurance is important, when it’s required, what coverage you need, and how to choose the best plan for your UAE trip.

Why is Travel Insurance Important for UAE Visa Applicants?

Travel insurance provides financial protection in case of unexpected events during your journey. The UAE government requires travelers to have insurance primarily for health and medical coverage, ensuring visitors can afford medical treatment if needed.

Some key benefits of travel insurance for UAE visitors include:

• Medical Coverage: Hospitalization, doctor visits, or emergency treatment in the UAE can be expensive. Insurance helps cover these costs.
• COVID-19 Coverage: Many UAE visas require COVID-19 medical coverage in case you test positive while traveling.
• Emergency Assistance: Includes evacuation, repatriation, or support in case of accidents.
• Travel Disruptions: Some policies cover flight cancellations, baggage loss, or trip delays.

Is Travel Insurance Mandatory for a UAE Visa from Pakistan?

Yes, travel insurance is generally required for UAE visa applications from Pakistan. While the specific rules can vary depending on the visa type, here’s a breakdown:

• Tourist Visa: Mandatory travel insurance is needed. Without proof of insurance, your application may be rejected.
• Visit Visa (Family or Friends): Insurance is usually required, especially if you are applying through approved travel agents.
• Transit Visa: Some short-term visas may not require insurance, but it is strongly recommended.
• Work Visa: Long-term work visas include health coverage by the employer in the UAE, but for entry, proof of initial travel insurance may still be requested.

Tip: Always confirm requirements with the UAE Embassy, Consulate, or the authorized travel agent before applying.

What Coverage Do You Need for UAE Travel Insurance?

When buying travel insurance for a UAE visa from Pakistan, make sure the policy covers at least:

1. Medical expenses (hospitalization, doctor visits, emergency treatment)
2. COVID-19 related medical expenses
3. Emergency evacuation or repatriation
4. Coverage for the entire stay (matching your visa duration)

Optional but useful coverage includes:

• Loss of baggage or personal belongings
• Flight cancellation or delay
• Personal accident benefits

How Much Does Travel Insurance for UAE Cost from Pakistan?

Travel insurance costs vary depending on coverage type, duration of stay, and whether you’re traveling alone or with family. In Pakistan, most insurers offer packages like Silver, Standard, Platinum, and Gold Plus, each with different coverage limits.

Below is a breakdown of the costs (in PKR):

1. Silver Package ($25,000 Coverage)

(Basic coverage – Affordable & suitable for short trips)

• 7 Days: Single – Rs. 1,610 | Family – Rs. 2,760
• 15 Days: Single – Rs. 2,473 | Family – Rs. 3,795
• 31 Days: Single – Rs. 3,738 | Family – Rs. 6,555
• 62 Days: Single – Rs. 5,060 | Family – Rs. 10,120
• 92 Days (3 Months): Single – Rs. 6,555 | Family – Rs. 12,075
• 180 Days (6 Months): Single – Rs. 8,855 | Family – Rs. 16,963
• 365 Days (1 Year): Single – Rs. 13,685 | Family – Rs. 31,625

2. Standard Package ($10,000 Coverage)

(Most affordable, covers essentials but with lower limits)

• 7 Days: Single – Rs. 805 | Family – Rs. 1,288
• 15 Days: Single – Rs. 1,127 | Family – Rs. 1,610
• 31 Days: Single – Rs. 1,944 | Family – Rs. 2,737
• 62 Days: Single – Rs. 3,542 | Family – Rs. 4,991
• 92 Days (3 Months): Single – Rs. 4,629 | Family – Rs. 8,372
• 180 Days (6 Months): Single – Rs. 7,728 | Family – Rs. 15,640
• 365 Days (1 Year): Single – Rs. 10,505 | Family – Rs. 17,710

3. Platinum Package ($100,000 Coverage)

(Premium coverage with highest medical & emergency limits)

• 7 Days: Single – Rs. 5,175 | Family – Rs. 10,350
• 15 Days: Single – Rs. 7,475 | Family – Rs. 14,950
• 31 Days: Single – Rs. 10,580 | Family – Rs. 21,160
• 62 Days: Single – Rs. 16,445 | Family – Rs. 32,890
• 92 Days (3 Months): Single – Rs. 18,975 | Family – Rs. 37,950
• 180 Days (6 Months): Single – Rs. 26,450 | Family – Rs. 52,900
• 365 Days (1 Year): Single – Rs. 40,250 | Family – Rs. 80,500

4. Gold Plus Package ($50,000 Coverage)

(Balanced option – more coverage than Silver/Standard, less than Platinum)

• 7 Days: Single – Rs. 2,530 | Family – Rs. 5,060
• 15 Days: Single – Rs. 3,853 | Family – Rs. 7,705
• 31 Days: Single – Rs. 6,181 | Family – Rs. 12,363
• 62 Days: Single – Rs. 7,820 | Family – Rs. 16,675
• 92 Days (3 Months): Single – Rs. 11,270 | Family – Rs. 20,700
• 180 Days (6 Months): Single – Rs. 16,675 | Family – Rs. 25,300
• 365 Days (1 Year): Single – Rs. 17,250 | Family – Rs. 32,200

Which Package Should You Choose?

• Budget Travelers → Standard Package (Rs. 805 for 7 days)
• Short Trips & Families → Silver Package (Rs. 1,610 for 7 days single)
• Business/Long Trips → Gold Plus Package (balanced coverage & cost)
• Frequent Travelers & Peace of Mind → Platinum Package (best protection, Rs. 5,175 for 7 days single)

How to Get Travel Insurance for UAE Visa in Pakistan?

Getting travel insurance for the UAE is simple:

1. Contact licensed insurance providers in Pakistan offering international travel insurance.
2. Request a travel insurance quote based on your trip dates and visa type.
3. Compare plans online to find affordable yet reliable coverage.
4. Purchase the plan and get a certificate of insurance to submit with your visa application.

Consequences of Applying Without Travel Insurance

If you apply for a UAE visa without valid travel insurance, your application may be:

• Delayed – until you provide proof of coverage.
• Rejected – especially for tourist and visit visas.

Even if somehow approved, traveling without insurance exposes you to high financial risks in case of emergencies.

FAQs – Travel Insurance for UAE Visa from Pakistan

1. Do I need travel insurance for a UAE visa from Pakistan?

Yes. Travel insurance is mandatory for most UAE visa categories, especially tourist and visit visas. Without it, your visa application may be rejected.

2. What is the cheapest travel insurance for UAE from Pakistan?

The Standard Package starts from Rs. 805 for 7 days (single traveler). This is the most budget-friendly option if you just need basic coverage.

3. Which travel insurance package is best for a UAE visa?

If you want balance, the Gold Plus Package ($50,000 coverage) is best. For maximum protection, go with the Platinum Package ($100,000 coverage).

4. How much does UAE travel insurance cost for families from Pakistan?

Family packages start from Rs. 1,288 for 7 days (Standard) and go up to Rs. 80,500 for annual Platinum coverage. The price depends on duration and coverage level.

5. Does UAE travel insurance cover COVID-19?

Yes. Most plans (Silver, Standard, Gold Plus, and Platinum) include COVID-19 coverage for medical expenses, but you should confirm before purchasing.

6. Can I buy UAE travel insurance online in Pakistan?

Yes. Many Pakistani insurance companies and agents allow you to compare packages, get quotes, and purchase travel insurance online within minutes.

Conclusion

So, is travel insurance required for a UAE visa from Pakistan? Yes—most visa categories, especially tourist and visit visas, require proof of valid travel insurance. Beyond being a visa requirement, travel insurance gives you peace of mind, financial security, and protection during your trip to the UAE.

If you’re applying for a UAE visa, always purchase travel insurance from a trusted insurance provider in Pakistan to ensure your application is smooth and your journey is worry-free.