Travel Insurance from TPL Insurance
TPL Travel Insurance
With TPL Travel insurance Pick your policy based on the destination, activity plans, and needs. The motto of TPL general insurance is Go ahead. Explore. Whether an individual is traveling for business or pleasure, solo or with family, TPL General Insurance has a plan that provides the desired coverage. From the moment you check-in to the airport to the moment you check-out on your return, we help you keep it worry-free.
Going on a sacred journey? Pick your cover as per your plans: Off to study abroad? Pick your cover and pay your premium with or without tuition fee and avail other benefits
Types of Plan Available
- Domestic (Individual and Family)
- Hajj, Umrah & Ziarat (Individual and Family)
- International
- Student Guard
Plans category:
The plans are available in basic, silver, gold, platinum, and Diamond categories, the plan varies in their premiums and the coverage provided by the TPL General Insurance.
Plans Availability:
All the plans available with TPL general insurance are available for Individuals and families both. The family coverage will include the policyholder and the spouse and three children from one month to 18 years of age.
Features of TPL Travel Insurance Policy
Accidental death and permanent disability (AD&PD) insurance is a benefit in travel insurance. The feature covers the unintentional and accidental death or mutilation of the policyholder. Dismemberment includes the loss, or the loss of use of body parts or functions (e.g., limbs, speech, eyesight, and hearing).
Stay protected with TPL Insurance and get access to instant travel assistance services. Our 24-hour support service will assist you anywhere in the world.
Emergency Evacuation - means: (a) Your medical condition warrants immediate transportation from the place where You are injured or sick to the nearest Hospital where appropriate medical treatment can be obtained ;(b) after being treated at a local hospital, Your medical condition warrants Transportation to the country where the
TPL Travel Insurance will pay benefits up to the amount stated in the scheduled of benefits for covered expenses reasonably incurred to return the policyholder body to Your Home Country if You die. Covered expenses include, but are not limited to, expenses for (a) embalming (b) cremation; (c) transportation.
Coverage for loss of checked-in baggage, the travel insurance will reimburse You for the expense of necessary personal effects, up to the maximum stated in the Schedule, if your Checked Baggage is delayed or misdirected by a Common Carrier for more than 8 hours from the time you arrive at the destination stated on your ticket, other than your final destination.
You must be a ticketed passenger on a Common Carrier. Additionally, all claims must be verified by the Common Transporter who must certify the delay or misdirection.
TPL Travel insurance pays for the cost incurred for the medical expenses and hospitalization expenditures abroad as per the purchased plan, the travel insurance plans start from the coverage of $10,000 which can be utilized in case of any unforeseen medical or accidental emergency faced by the policyholder while traveling.
Covered Medical Expenses include:
- The services of a physician
- Hospital confinement and usage of operation theatre
- Anesthesia (including the administration) x-ray examinations or treatments and laboratory tests
- Ambulance service
- Drugs, medicines and therapeutic services and supplies
TPL Travel insurance provides coverage for emergency dental care that a policyholder may require due to an accidental medical emergency. There is a predefined cap of the coverage amount which is given in the policy document provided at the time of policy procurement.
If the policyholder losses the CNIC while traveling, it would be covered under the loss of documents clause and TPL Travel insurance would provide the coverage as mentioned in the policy document.
TPL Travel insurance offers repatriation in case the policyholder meets an accident or faces a medical emergency. The cost of repatriation is based on the actual expenditures faced at that time of the crisis. The benefit and coverage depend on the policy/plan purchased
The TPL travel policy provides a chaperon to the dependents (children) of the policyholder in case of an unforeseen emergency that may arise due to an accident or any other factor. The service and the coverage are subject to the plan procured by the policyholder.
The Loss of Passport feature is applicable If You, outside your country of residency, notify the Assistance Service that your luggage or passport has been lost, the Assistance Service will endeavor to assist You by contacting the appropriate authorities involved and providing a track for replacement.
TPL General Insurance will reimburse You for the expense of necessary personal elects, up to the maximum stated in the Schedule, if your Checked Baggage is delayed or misdirected by a Common Carrier for more than 8 hours from the time you arrive at the destination stated on your ticket, other than your final destination. You must be a ticketed passenger on a Common Carrier. Additionally, all claims must be verified by the Common Carrier who must certify the delay or misdirection. Terms and conditions mentioned in policy wording documents.
TPL Travel Insurance will pay benefits for Flight delay, subject to the maximum shown in the Schedule of Benefits if Your Trip is delayed for 08 or more hours due to a covered hazard or the flight is canceled due to any issue as mentioned in the policy document, the policyholder shall be reimbursed as prescribed by the policy document.
The Insurer will pay this benefit up to the Maximum Limit shown on the Schedule of Benefits if a trip is canceled or interrupted for the Insured due to any of the following unforeseen circumstances: Sickness, Injury or death of an Insured, Immediate Family Member, Traveling Companion, or Business Partner. Injury or Sickness must be so disabling as to reasonably cause a Trip to be canceled or interrupted.
General Exclusions
These exclusions apply to all benefits. In addition to any segregation which applies to a particular benefit (called “Additional Exclusions”), the Policy does not cover loss caused by or as a result of:
Maximum Stay per trip
The maximum duration of coverage is 90 days per trip for a multi-trip policy
• Maximum age limit is 65
| Age | Extra Premium | Plan |
|---|---|---|
| 65-69 | 100% | All above plans |
| 70-74 | 200% | Silver only |
| 75-85 | 400% | Silver only |
Conditions for a refund on travel Policy
- Customer has to return original policy with an application requesting for cancellation.
- Original passport has to be verified by authorized personnel of TPL Insurance Limited.
- Cancellation is only possible before the effective date.
- Original letter of the consulate rejecting the visa has to be submitted.
- Photocopy of passport and CNIC of the policyholder.
- After all the above conditions have been met, the premium will be refunded after deducting service charges.
No cancellation will be done if:
i. Visa has been issued before the effective date of the policy
ii. Travel has been carried out before the effective date
Our Customers Love Us
Strengths - Good communication, follow-up, and resolution. Weakness - Unable to provide clear responses on specific query which may not be part of the offering (Term Life insurance). Should provide a clear r… +
Strengths - Good communication, follow-up, and resolution. Weakness - Unable to provide clear responses on specific query which may not be part of the offering (Term Life insurance). Should provide a clear response, even if the response is to confirm that the specific request is not part of services, etc. -
I am very much satisfied with the service SmartChoice.pk is offering to its customers. I must count SmartChoice's work as generosity because I only considered corporate insurance before due to service issues wi… +
I am very much satisfied with the service SmartChoice.pk is offering to its customers. I must count SmartChoice's work as generosity because I only considered corporate insurance before due to service issues with individual policies. Thanks to SmartChoice for giving us the platform. Last but not least, Mr. Ajay Kumar is a very good person. He knows everything about the insurance offering and always offers the best-suited policy. If I say he is working on the SmartChoice.PK's mission is to offer the best policies tailored to your needs, so I won't be wrong. Thank you, Ajay, and SmartChoice.pk -
Review for Ajay – Health Advisor, Senior Executive* ★★★★★ 5/5 Ajay is the best health advisor I’ve worked with. He explained everything clearly, helped me pick the right plan for my family, and handled … +
Review for Ajay – Health Advisor, Senior Executive* ★★★★★ 5/5 Ajay is the best health advisor I’ve worked with. He explained everything clearly, helped me pick the right plan for my family, and handled my claim during a hospital emergency without any stress. Responsive, honest, and truly client-first. Highly recommend. Sobia shams., Karachi -
Excellent service and quick support “I had a very good experience with Smartchoice.pk travel insurance. The process was smooth and easy. I especially want to appreciate Aafia from customer service—she was very… +
Excellent service and quick support “I had a very good experience with Smartchoice.pk travel insurance. The process was smooth and easy. I especially want to appreciate Aafia from customer service—she was very professional, polite, and helpful throughout. She responded quickly and guided me properly regarding my issue. Overall, I am satisfied with the service and would recommend Smartchoice.pk to others for travel insurance.” -
It was very good experience, plus travel department and their reps provided quick enabled smooth processing of my application. Indeed its good initiative, where we can see comparative with few clicks. Thank yo… +
It was very good experience, plus travel department and their reps provided quick enabled smooth processing of my application. Indeed its good initiative, where we can see comparative with few clicks. Thank you -
Smart choice is my fast choice when comes to select health insurance. Great and very cooperative staff, I have been renewing health insurance every year for my family. Ajay helped through getting approval in ti… +
Smart choice is my fast choice when comes to select health insurance. Great and very cooperative staff, I have been renewing health insurance every year for my family. Ajay helped through getting approval in time in a critical time where there was an urgent need situation, also selecting best plan in best cost. Was available to support 24/7. Allah bless for such amazing service. -
Insurance claim process is too smooth. Ms. Natasha Khan's support is exceptional. The process from start till claim for car insurance is handled professionally by her. I will 100 percent recommend to have this … +
Insurance claim process is too smooth. Ms. Natasha Khan's support is exceptional. The process from start till claim for car insurance is handled professionally by her. I will 100 percent recommend to have this car insurance. -
Strengths - Good communication, follow-up, and resolution. Weakness - Unable to provide clear responses on specific query which may not be part of the offering (Term Life insurance). Should provide a clear r… +
Strengths - Good communication, follow-up, and resolution. Weakness - Unable to provide clear responses on specific query which may not be part of the offering (Term Life insurance). Should provide a clear response, even if the response is to confirm that the specific request is not part of services, etc. -
I am very much satisfied with the service SmartChoice.pk is offering to its customers. I must count SmartChoice's work as generosity because I only considered corporate insurance before due to service issues wi… +
I am very much satisfied with the service SmartChoice.pk is offering to its customers. I must count SmartChoice's work as generosity because I only considered corporate insurance before due to service issues with individual policies. Thanks to SmartChoice for giving us the platform. Last but not least, Mr. Ajay Kumar is a very good person. He knows everything about the insurance offering and always offers the best-suited policy. If I say he is working on the SmartChoice.PK's mission is to offer the best policies tailored to your needs, so I won't be wrong. Thank you, Ajay, and SmartChoice.pk -
Review for Ajay – Health Advisor, Senior Executive* ★★★★★ 5/5 Ajay is the best health advisor I’ve worked with. He explained everything clearly, helped me pick the right plan for my family, and handled … +
Review for Ajay – Health Advisor, Senior Executive* ★★★★★ 5/5 Ajay is the best health advisor I’ve worked with. He explained everything clearly, helped me pick the right plan for my family, and handled my claim during a hospital emergency without any stress. Responsive, honest, and truly client-first. Highly recommend. Sobia shams., Karachi -
Excellent service and quick support “I had a very good experience with Smartchoice.pk travel insurance. The process was smooth and easy. I especially want to appreciate Aafia from customer service—she was very… +
Excellent service and quick support “I had a very good experience with Smartchoice.pk travel insurance. The process was smooth and easy. I especially want to appreciate Aafia from customer service—she was very professional, polite, and helpful throughout. She responded quickly and guided me properly regarding my issue. Overall, I am satisfied with the service and would recommend Smartchoice.pk to others for travel insurance.” -
It was very good experience, plus travel department and their reps provided quick enabled smooth processing of my application. Indeed its good initiative, where we can see comparative with few clicks. Thank yo… +
It was very good experience, plus travel department and their reps provided quick enabled smooth processing of my application. Indeed its good initiative, where we can see comparative with few clicks. Thank you -
Smart choice is my fast choice when comes to select health insurance. Great and very cooperative staff, I have been renewing health insurance every year for my family. Ajay helped through getting approval in ti… +
Smart choice is my fast choice when comes to select health insurance. Great and very cooperative staff, I have been renewing health insurance every year for my family. Ajay helped through getting approval in time in a critical time where there was an urgent need situation, also selecting best plan in best cost. Was available to support 24/7. Allah bless for such amazing service. -
Insurance claim process is too smooth. Ms. Natasha Khan's support is exceptional. The process from start till claim for car insurance is handled professionally by her. I will 100 percent recommend to have this … +
Insurance claim process is too smooth. Ms. Natasha Khan's support is exceptional. The process from start till claim for car insurance is handled professionally by her. I will 100 percent recommend to have this car insurance. -
I live in USA. I don't know much about vehicle insurance and so. Somehow I found Aisha bukhari. She was honest and very helpful to get the best insurance for my new bike. Also I am going to get car insurance so… +
I live in USA. I don't know much about vehicle insurance and so. Somehow I found Aisha bukhari. She was honest and very helpful to get the best insurance for my new bike. Also I am going to get car insurance soon by her. Just wanted to say special Thx to Aisha. ⭐⭐⭐⭐⭐ -
Very satisfied with smart choice because their behavior and communication with customers is very good and i think there’s ayesha she is very very cooperative and i will suggest my friends and colleagues smart c… +
Very satisfied with smart choice because their behavior and communication with customers is very good and i think there’s ayesha she is very very cooperative and i will suggest my friends and colleagues smart choice -
Very satisfied with smart choice because their behavior and communication with customers is very good and i think there’s ayesha she is very very cooperative and i will suggest my friends and colleagues smart c… +
Very satisfied with smart choice because their behavior and communication with customers is very good and i think there’s ayesha she is very very cooperative and i will suggest my friends and colleagues smart choice -
"I recently purchased car insurance through Smartchoice and had an excellent experience. Their platform is user-friendly and allows easy comparison of multiple insurance providers, helping me find the best cove… +
"I recently purchased car insurance through Smartchoice and had an excellent experience. Their platform is user-friendly and allows easy comparison of multiple insurance providers, helping me find the best coverage at a competitive price. The customer support team Ayesha Bukhari was highly responsive and guided me through every step of the process, ensuring I understood all the details before finalizing my policy. What impressed me most was the transparency and quick turnaround time—everything was processed smoothly without any hidden charges or complications. I highly recommend Smartchoice for anyone looking for reliable and hassle-free car insurance in Pakistan." -
"I recently purchased car insurance through Smartchoice and had an excellent experience. Their platform is user-friendly and allows easy comparison of multiple insurance providers, helping me find the best cove… +
"I recently purchased car insurance through Smartchoice and had an excellent experience. Their platform is user-friendly and allows easy comparison of multiple insurance providers, helping me find the best coverage at a competitive price. The customer support team Ayesha Bukhari was highly responsive and guided me through every step of the process, ensuring I understood all the details before finalizing my policy. What impressed me most was the transparency and quick turnaround time—everything was processed smoothly without any hidden charges or complications. I highly recommend Smartchoice for anyone looking for reliable and hassle-free car insurance in Pakistan." -
Thank you for your support with my insurance needs. I truly appreciate the clear communication, friendly staff, and the overall positive experience. Everyone I interacted with was professional and kind. I’m gla… +
Thank you for your support with my insurance needs. I truly appreciate the clear communication, friendly staff, and the overall positive experience. Everyone I interacted with was professional and kind. I’m glad I chose to take services from your team. -
I had an excellent experience with SmartChoice.pk. Thank you for providing such an informative and helpful platform. I obtained health insurance information through your website last year, and I recently had th… +
I had an excellent experience with SmartChoice.pk. Thank you for providing such an informative and helpful platform. I obtained health insurance information through your website last year, and I recently had the opportunity to use that insurance plan. The entire process was smooth and hassle-free. A representative from SmartChoice guided me throughout and was consistently available to answer my questions and provide assistance whenever needed. -