Schengen Travel Insurance for Pakistan Passport Holders (2025 Guide and Bests Offers)
With more than 1.2 million Schengen visa applications submitted by Pakistani residents in recent years, demand remains exceptionally high. Unfortunately, Pakistan is also among the countries facing the highest refusal rates in the world — over 50% of applications were rejected in 2023. A large share of these refusals is linked to technical issues, including non-compliant or unclear insurance certificates.
Schengen travel insurance is mandatory for every visa file lodged at VFS, Gerry’s or TLS, and it must follow strict EU rules: €30,000 minimum medical coverage, emergency repatriation, validity across the entire Schengen area, and dates that match the itinerary exactly. Even a small discrepancy can lead to delays or a technical refusal.
- Schengen insurance must include €30,000 medical coverage + repatriation for all 29 Schengen countries. This minimum reflects real medical costs in Europe, where even basic emergency care can run from €300 to over €1,000.
- Pakistan has one of the highest Schengen refusal rates worldwide (51.5% in 2023) — many refusals are linked to non-compliant insurance certificates lacking required mentions.
- For example, a 7-day Schengen visa insurance policy from Europax may cost around €17.70 or PKR 3,600–3,800.
- Visa refusals remain high, and many are due to non-compliant insurance certificates, making proper Schengen-approved coverage essential.
🇪🇺 Is Schengen Travel Insurance Mandatory for Pakistani Applicants?
Yes — Schengen travel insurance is compulsory for every visa file submitted at VFS, Gerry’s or TLS. Without a compliant policy, the application is considered incomplete and cannot be processed.
To make this step easier, HelloSafe allows Pakistani applicants to compare approved insurers and receive an instant Schengen-ready certificate, fully formatted for VFS/TLS submission and immediately printable.
Get your instant, compliant Schengen visa certificateWhat Must Schengen Insurance Cover?
Schengen insurance includes a set of core protections designed to cover medical emergencies during short stays in Europe. These guarantees protect travellers from high medical costs abroad and form the foundation of a compliant policy for Pakistani applicants.
✅ Essential guarantees included in Schengen insurance
🛡️ Guarantee | Mandatory? | What it covers | Expert note |
|---|---|---|---|
🩺 €30,000 medical coverage | Yes | Emergency treatment, illness, accidents, hospitalisation | Minimum required for all Schengen visas. Must appear in euros. |
🚑 Medical repatriation | Yes | Return to Pakistan if medically necessary | Must be written as medical repatriation, not vague “assistance”. |
🏥 Emergency care + hospitalisation | Yes | ER care, ambulance, urgent treatment | Look for wording such as “emergency medical expenses”. |
⚰️ Repatriation of remains | No (recommended) | Transport of the body in case of death | Strongly recommended for family visits and senior travellers. |
📞 24/7 assistance hotline | No (recommended) | Medical support, coordination, language help | Very useful for first-time or solo travellers. |
🎒 Baggage coverage | No | Loss, theft or damage of luggage | Useful on multi-flight itineraries, but not visa-required. |
❌ Trip cancellation/interruption | No | Refund of non-refundable bookings | Not checked by consulates for visa approval. |
📝 What must appear on the certificate for VFS / Gerry’s / TLS?
Even if the travel medical insurance for a Schengen visa includes the right protections, the certificate must display specific mandatory mentions:
- “Schengen Area” written clearly
- €30,000 minimum medical coverage, shown in euros
- Medical repatriation included
- Exact travel dates, matching the application and flight reservations
- Full name, identical to the passport (order & spelling)
- Zero deductible
- Clean, official PDF certificate, not a screenshot
VFS, Gerry’s and TLS verify these elements before forwarding your application to the consulate.
Best Schengen Insurance Options for Pakistani Travellers
HelloSafe compares embassy-approved insurers trusted for Schengen visas from Pakistan.
While some local companies such as Adamjee offer travel insurance products, their certificates are not always formatted according to EU consular standards and are often more expensive for equivalent coverage. Many applicants therefore prefer insurers whose documents follow the international Schengen format, ensuring faster acceptance at VFS, Gerry’s and EU embassies.
Here are the most popular options:
🏆 Insurer | 💰 Typical Price (PKR) | 📝 Certificate | ✔️ Embassy Acceptance |
|---|---|---|---|
Mutuaide | 2,600–4,200 | Instant PDF | VFS, Gerry’s, EU embassies |
VYV | 2,700–4,500 | Instant PDF | Widely accepted |
ACS – Europe Travel | 2,800–4,600 | Instant PDF | Strong global acceptance |
👍 Why Pakistani applicants choose these: fast online purchase, immediate Schengen-ready certificates, and full compliance with EU rules.
Get your Working Holiday insurance certificate in 2 minutes
How Much Is Schengen Visa Travel Insurance from Pakistan?
Most Pakistani applicants discover that Schengen travel insurance is far more affordable than expected. Prices vary depending on age, duration of stay, medical limits and whether you choose a basic visa-compliant plan or a more protective one. Below is a realistic breakdown based on actual market averages for Pakistani travellers purchasing EU-approved policies online.
⏱️ Trip Length | 💰 Typical Cost (PKR) | 📄 What This Usually Includes |
|---|---|---|
7 days | PKR 2,200 – 3,800 | €30,000 medical + repatriation + certificate |
15 days | PKR 3,500 – 5,500 | Full Schengen-compliant cover across all 26 countries |
30 days | PKR 5,500 – 8,500 | Higher medical limits often available + consulate-ready PDF |
These prices reflect common Schengen plans from insurers used by Pakistani travellers such as Mutuaide, VYV, ACS, AXA, Allianz and a few local issuers approved by Schengen embassies.
👥 Cost Differences: Adults vs. Seniors
Age significantly affects pricing for Schengen insurance — especially for Pakistani travellers aged 60+.
🧑 Age Group | 💵 Average Price (PKR) | 🔍 Notes |
|---|---|---|
18–40 years | PKR 2,000 – 5,000 | Standard risk, cheapest rates |
41–59 years | PKR 3,500 – 7,000 | Slightly higher premiums |
60–69 years | PKR 6,000 – 12,000 | Higher medical risk = higher pricing |
70+ years | PKR 10,000 – 18,000 | Limited plans available |
Seniors usually pay higher premiums simply because insurers observe more frequent medical claims in this age group — anything from respiratory issues to sudden complications during a trip.
Through HelloSafe, Pakistani travellers can access Schengen-approved plans at negotiated prices and receive their certificate straight away by email, making the process smoother for VFS, Gerry’s and embassy appointments. Perfect for VFS, Gerry’s and embassy applications.
Get Schengen visa insurance from €1/dayWhat Schengen Insurance Does *Not* Cover
Even the best plans have exclusions. All insurers apply similar limits:
- ❌ Pre-existing medical conditions
- ❌ High-risk or extreme sports (skiing, diving, trekking at altitude…)
- ❌ Work-related accidents
- ❌ Alcohol- or drug-related incidents
- ❌ Pregnancy complications after 12–28 weeks*
- ❌ Valuables like jewellery, cash or high-end electronics
- ❌ Any day beyond your insured dates
Choose an insurer with clear policy wording and a certificate accepted by VFS Pakistan to avoid unnecessary refusals.
Most Pakistani applicants now purchase their Schengen insurance fully online, as VFS and embassies accept digital PDF certificates. With HelloSafe, travellers can compare approved insurers, see prices in PKR, and receive an instant Schengen-ready certificate by email — making the visa submission process smoother and avoiding common document errors.
How to Get Schengen Travel Insurance from Pakistan (With HelloSafe)
Getting the right Schengen travel insurance is not only about price — it’s about receiving a certificate that VFS, TLScontact and consulates will accept instantly.
HelloSafe does the filtering for you and delivers a visa-ready PDF in minutes, no matter where you apply from.
🧭 Step 1: enter your details and see only Schengen-compliant options
You start by entering your country of residence and travel dates. HelloSafe automatically filters policies that can issue a certificate meeting the Schengen rules, which is especially useful for travellers from India, Nigeria, Pakistan, the Philippines, South Africa or the Gulf region, where refusals are more common.
📄 Step 2: compare guarantees that consulates check line by line
HelloSafe only displays insurance plans that meet all Schengen consular requirements: you can compare them side by side and subscribe online in just a few clicks. Every option shown is fully compatible with visa rules:
- €30,000 medical coverage in euros
- repatriation included
- valid in all Schengen countries
- dates matching your itinerary
- your identity exactly as on your passport
You can then choose the plan that fits your budget, with optional add-ons if you want extra protection (higher medical limits, baggage, cancellation). All payments are made through a secure checkout, available in your local currency (PKR, INR, AED, etc.).
⚡ Step 3: get your visa-ready PDF instantly
Once purchased, the certificate is generated within seconds and sent by email as a PDF ready for your VFS/TLS appointment. Travellers appreciate that they can:
- buy for themselves or for a parent abroad,
- receive the certificate immediately,
- request date or spelling corrections if their plans change.
This avoids one of the most common visa delays: a certificate that does not match the rest of the file.
💸 Refund if your visa is refused
If your visa is denied, the insurers available through HelloSafe offer a refund when the official refusal letter is provided. This protects applicants from losing money in regions where refusal rates are high.
How does the refund process work?
- You send the official refusal document to hellotravel@hellosafe.fr or via the HelloSafe chat (WhatsApp coming soon).
- The team checks the validity of the document.
- Once approved, the refund is issued to the card used for the original payment.
- The amount is usually credited within 2 to 3 days.
Many Pakistani applicants choose HelloSafe because it provides instant certificates, negotiated prices, and fully Schengen-compliant coverage — making the visa process much easier.
Choose insurance with a refund if your visa is refusedFAQ
Yes — Adamjee does offer travel insurance products that some applicants use for Schengen visa files. However, acceptance depends on whether the certificate explicitly shows all the EU-required elements: the €30,000 medical limit written in euros, medical repatriation, full Schengen-area validity and dates matching the itinerary. In practice, some travellers report that locally issued certificates may lack one of these mentions or use wording that VFS or Gerry’s considers incomplete, which can lead to delays. Another frequent issue is pricing: Adamjee’s Schengen-type plans are often more expensive than equivalent European policies available online. This is why many applicants prefer internationally formatted certificates from insurers such as Mutuaide, VYV, ACS or AIG, whose documents match the standard used across European consulates.
For Pakistani travellers, Schengen insurance usually costs: 7 days: PKR 2,500–4,500; 15 days: PKR 4,000–7,000; 30 days: PKR 6,000–10,500. Mutuaide, VYV and ACS are typically in the mid-range but provide stronger coverage and instant certificates compatible with VFS/TLS.
Yes. VFS Global, Gerry’s and TLS Contact all accept digital PDF certificates, as long as they show: €30,000 minimum medical coverage, emergency evacuation + repatriation, all Schengen countries covered, exact dates of travel. HelloSafe policies include an instant, embassy-ready PDF.
Yes. Even if you purchase online, you must submit a printed copy of the certificate along with your visa documents at VFS or Gerry’s. It must show your full name, travel dates and the insurer’s official stamp or signature.
Most Pakistani applicants choose: Mutuaide → strong medical limits + fast claims; VYV → reliable French insurer, trusted by consulates; ACS → widely used for Schengen visas worldwide. They offer better value and more complete coverage compared to many local Pakistani insurers.
It is the minimum required by EU law, and it is accepted for Schengen visas. However, some travellers prefer higher limits (e.g., €50,000–€100,000), especially for older travellers or multi-country trips. Mutuaide, VYV and ACS all offer extended medical limits.
Yes — but only with insurers that explicitly offer a visa refusal refund. Mutuaide, VYV and ACS all provide refund policies if you upload the refusal letter. AXA and Allianz do not always guarantee refunds.
Your policy must cover the entire duration of your stay in the Schengen area, from the day you enter to the day you exit. Even a missing day can cause refusal at VFS.
Yes. A valid Schengen policy automatically covers all 26 Schengen countries plus some associated states (e.g., Monaco, San Marino). You don’t need multiple policies for multi-country itineraries.
No. Schengen insurance must be included with your application dossier. If you submit without coverage, VFS or Gerry’s will place your file on hold.
Generally no. Most Schengen visa policies exclude chronic conditions or illnesses diagnosed before the trip. However, they do cover unexpected medical emergencies, injuries and sudden illnesses.
Basic Schengen insurance usually excludes trekking above certain altitudes, skiing, adventure sports and motorbike or scooter accidents. Some insurers offer optional “sports add-ons,” but most visa applicants choose standard plans.
Yes — as long as the insurer is recognised internationally (Mutuaide, VYV, ACS, AXA, Allianz, Europ Assistance). Many Pakistani applicants now buy online because the certificate arrives instantly and is accepted by embassies.
Prices vary, but ACS and Mutuaide often offer the lowest rates while providing full Schengen compliance. Local Pakistani insurers can be cheaper, but coverage and acceptance vary significantly.
Title : Schengen Travel Insurance for Pakistan | 2025 Requirements & Cost
Description : Get Schengen visa insurance from Pakistan: compliant €30,000 medical cover, approved certificate, PKR pricing, trusted insurers like Mutuaide, VYV, ACS.
