🛡️ Insurance Terms – Travel Protection Policy | ApnaSafar.pk

Welcome to ApnaSafar.pk. These Insurance Terms explain the conditions, limitations, responsibilities, and coverage information related to travel insurance services offered through our platform.

Customers are advised to carefully read these terms before purchasing or using any travel insurance service.

1. Purpose of Travel Insurance

Travel insurance is designed to provide financial protection and travel assistance for unexpected situations during domestic or international travel. Insurance coverage may include:
Medical emergencies
Trip cancellations
Flight delays
Lost baggage
Personal accidents
Emergency evacuation
Travel interruptions

Coverage depends on the selected insurance plan and insurance provider policies.

2. Insurance Provider Responsibility

ApnaSafar.pk acts only as a travel service facilitator and insurance assistance provider. All insurance policies are issued and managed by third-party insurance companies. Policy approval, claim processing, and coverage decisions are solely handled by the respective insurance provider. ApnaSafar.pk is not liable for:
Claim rejection
Delayed claim processing
Partial claim approvals
Policy limitations
Insurance company decisions

3. Customer Responsibilities

Customers are responsible for:
Providing accurate personal information
Reviewing insurance policy documents carefully
Understanding coverage limitations and exclusions
Verifying travel dates and passenger details
Carrying valid travel and identification documents

Incorrect or incomplete information may result in claim rejection or policy cancellation.

4. Insurance Coverage Limitations

Coverage varies according to the selected policy and insurance provider. Insurance may not cover:
Pre-existing medical conditions
High-risk activities or sports
Illegal activities
Self-inflicted injuries
Drug or alcohol-related incidents
Travel against government advisories
Undeclared medical conditions

Customers should carefully review policy exclusions before purchasing insurance.

5. Medical Emergencies

In case of a medical emergency during travel:
Contact the insurance provider immediately
Follow emergency assistance instructions
Keep all medical reports and receipts
Inform relevant authorities if required

Failure to follow insurer procedures may affect claim approval.

6. Trip Cancellation & Interruption

Insurance coverage for trip cancellation or interruption may apply under eligible circumstances such as:
Medical emergencies
Natural disasters
Serious accidents
Airline operational disruptions
Unexpected travel restrictions

Claims are subject to insurance company evaluation and supporting documentation.

7. Lost Baggage & Delayed Flights

Travel insurance may provide limited compensation for:
Lost baggage
Delayed baggage
Flight delays
Missed connections

Customers must obtain official reports from airlines or relevant authorities to support claims.

8. Insurance Claims Process

To submit an insurance claim, customers may need:
Policy documents
Passport copy
Airline tickets
Medical reports
Receipts and invoices
Police or airline reports (if applicable)

Claim approval timelines depend on the insurance provider’s internal policies and procedures.

9. Refund & Cancellation of Insurance

Policy Cancellation
Insurance policies may not be refundable once:
The policy becomes active
Travel has started
A claim has been initiated

Refund Eligibility
Refund requests are subject to the insurance provider’s cancellation policy. Administrative or processing charges may apply.

10. No Guarantee of Coverage

ApnaSafar.pk does not guarantee:
Approval of insurance applications
Claim acceptance
Full reimbursement
Specific coverage outcomes

Insurance decisions are solely made by the insurance provider according to policy terms.

11. Third-Party Insurance Providers

Insurance services available through ApnaSafar.pk may be provided by independent insurance companies. Customers agree that ApnaSafar.pk is not directly responsible for:
Insurance company operations
Claim investigations
Payment settlements
Policy disputes

12. Limitation of Liability

ApnaSafar.pk shall not be liable for any:
Financial loss
Medical expenses
Missed travel opportunities
Claim rejection
Delays caused by insurance providers

Our role is limited to assisting customers in obtaining available travel insurance services.

13. Policy Changes

Insurance companies may update their:
Coverage terms
Premium rates
Exclusions
Claim procedures

Customers are encouraged to review the latest policy documents before traveling.

14. Governing Law

All insurance-related matters shall be governed by the applicable laws, regulations, and policies of the respective insurance provider and the legal jurisdiction of Pakistan where applicable.

15. Contact Us

ApnaSafar.pk
Email: support@apnasafar.pk
Phone: 0423-6292906
📞 Call & WhatsApp: 0326-8006672

Customer Acknowledgment

By purchasing or using travel insurance services through ApnaSafar.pk, customers confirm that they have read, understood, and agreed to these Insurance Terms and the applicable insurance provider’s policy conditions.