Travel insurance cost calculator for travellers from Pakistan
Enter your destination, dates and age to see the real price of every UIC and Crescent Star plan for your trip, in PKR. This is the same engine that prices your quote.
What this tool does
This calculator shows what travel insurance will cost you for one specific trip, before you give anyone your details. It is for anyone leaving Pakistan who needs a policy: for a visa file (Schengen, UK, Türkiye and most Gulf and Asian visas ask for one), for a family holiday, or for a long stay abroad. It prices every plan from United Insurance (UIC) and Crescent Star Insurance that can be issued online for your trip, using the same rate tables and rules as the TravelConcern quote engine, so the number you see here is the number you would pay.
How to use it
- Destination: choose the country you are going to. If you are visiting several Schengen countries, pick the one where you will spend the longest; the price is the same across the Schengen zone. For a trip that includes the USA, Canada, Australia or New Zealand, choose that country, because those destinations are priced in the Worldwide zone.
- Who is travelling: one to six people on their own policies, or Family for you, your spouse and your children under 18 on one family policy.
- Dates: the day you leave Pakistan and the day you arrive back. The policy should cover both.
- Date of birth: for each adult (and each child on a family policy). Ages are taken on the travel start date.
- Press Show prices. Plans are grouped into single-trip, annual multi-trip and student plans, cheapest first. Get this quote takes you to the quote page with your details already filled in.
How the result is worked out
- Zone. Both insurers price three zones: Schengen, Rest of World (Türkiye, the Gulf, the UK, Malaysia, Thailand and most other countries) and Worldwide (any trip including the USA, Canada, Australia or New Zealand). Your destination decides the zone.
- Trip length and brackets. Single-trip rates are published for 7, 10, 15, 21, 31, 62 and 92 days (UIC also 180, 272 and 365 days in the Worldwide zone). Your trip is priced on the smallest bracket that covers it: 12 days is priced as 15, 25 days as 31. UIC counts the days inclusively (departure and return day both count); Crescent Star rates the trip on its nights. The duration calculator shows both counts.
- Age. Up to 65 the base rate applies. Above that each insurer adds a published loading (for example +50% from 66), and each has a maximum age: 85 at Crescent Star, 90 at UIC, with UIC pricing 86–90 by manual quote only. Under-18s are covered on family plans; an adult must be 18 or over to buy online.
- Family vs individual. For a family group both routes are priced, one family rate or one individual policy per person, and the cheaper is shown. Each insurer’s own definition of “family” decides eligibility (two parents and up to four children under 18 is the common case; a single parent with children is quoted manually).
- Surcharges. The price you see is the price you pay at TravelConcern. Crescent Star adds 4% for income-tax non-filers, which you are asked about before paying.
Example
A 32-year-old flying to Istanbul for a 12-day holiday chooses Turkey, enters the departure and return dates (12 days inclusive, 11 nights) and one date of birth. Türkiye is in the Rest of World zone, so the calculator prices UIC Standard and Silver and Crescent Star Economy and Economy Plus on the 15-day bracket (UIC) and the 15-day bracket for 11 nights (CStar), plus the annual plans and student plans that would also cover the dates. The lowest-cover plans (USD 10,000 medical) are the cheapest; the USD 50,000 plans cost more and are the ones to choose if the trip is for a visa that sets a minimum cover.
The same traveller taking a parent aged 72 would see the parent’s plans priced with the insurer’s over-65 loading, and a parent aged 88 would see a note that UIC needs a manual quote and that Crescent Star’s limit is 85, rather than a price invented for them.
Frequently asked questions
Why is the price here different from what a friend paid?
Prices depend on the zone, the day bracket, the traveller’s age and the plan. Two trips of “about two weeks” can land in different brackets (15 vs 21 days), and a traveller over 65 pays a loading. Enter your own dates and date of birth and you will see your price.
Which plan do I need for a Schengen visa?
Any plan sold under the Schengen zone here has USD 50,000 medical cover, which is above the EUR 30,000 minimum in the EU Visa Code, is valid in all Schengen states and comes with a visa certificate. The Schengen insurance checker walks through the rule.
Can I insure a trip that has already started?
No. The start date must be today or later. Policies are issued before departure.
Is the price final?
It is the premium for the details you entered. On the quote page the same engine prices it again with the names and passport details you add; the only thing that can change it is a correction to a date of birth or dates, or the non-filer surcharge if you are not a tax filer.
What happens after I click Get this quote?
You land on the TravelConcern quote page with the same trip already filled in. Choose the plan, enter traveller details, pay by bank transfer or wallet, and the policy is emailed to you, usually within a few hours.
Limitations and sources
- Prices are read live from the TravelConcern rate tables, which are updated whenever UIC or Crescent Star publish new rates. The date of the rate sheet is shown on the quote page.
- Trips longer than the longest bracket for a plan, ages above an insurer’s limit, and family groups outside an insurer’s family definition are shown as “manual quote” with the reason, not priced.
- Pre-existing medical conditions are excluded by both insurers’ standard plans; the price does not change for them, the cover does. Read the plan’s conditions on the comparison page.
Sources (checked 10 October 2026): United Insurance Company of Pakistan — travel insurance · Crescent Star Insurance — travel insurance