Travel insurance is still advisable even if you are only visiting major cities, as it covers unexpected medical issues, travel disruptions, and personal emergencies.
Healthcare access in cities
Major cities like Islamabad, Lahore, and Karachi have better healthcare facilities compared to rural areas, and private hospitals can handle most routine and emergency cases. However, treatment in these facilities is usually paid upfront, which can become expensive without insurance.
Why insurance still matters
Travel insurance provides financial protection in situations such as sudden illness, minor accidents, or the need for short-term hospitalization. It can also cover non-medical issues like delayed flights, lost baggage, or last-minute itinerary changes.
Even in cities, travelers may face unfamiliar environments, traffic-related risks, or food-related illnesses. Having insurance ensures you are not managing these situations entirely on your own.
Recommended coverage
For short city trips, basic coverage is often sufficient, but it should include medical expenses and emergency assistance.