Pakistan Risk Assessment Country Guide

Expat life in Pakistan

A diverse and scenic nation, Pakistan  has been plagued by incidents of violence, terrorism and civil unrest. Both internal and external conflict has affected the country, including border disputes with neighboring India as well as  threats from nearby terrorist organizations.

Political demonstrations often occur throughout Pakistan, and some have turned violent. All protests and large gatherings should be avoided, noting that  security situation in the country can be unstable at times.

According to the UK Foreign & Commonwealth Office (FCO), tensions remain high following November 2013 disturbances in the Islamabad, Rawalpindi and Lahore regions. The FCO not recommend travel to certain tribal areas, as well as the districts of Charsadda, Kohat, Tank, northern and western Balochistan and other areas. Only essential travel should be undertaken to several regions, including the Kalesh Valley and the city of Quetta.

On April 7, 2016, the State Department issued a travel warning for Pakistan due to ongoing security concerns. Pakistan continues to experience significant terrorist violence, including sectarian attacks. Several foreign and indigenous terrorist groups continue to pose a danger to travelers throughout Pakistan.

Travelers to Pakistan should be aware that the U.S. Consulate General in Peshawar and Lahore are temporarily suspended and not providing consular services to travelers. The U.S. Embassy in Islamabad and the U.S. Consulate in Karachi are still servicing U.S. citizens.

  • Health
  • Safety & Security
  • Terrorism

Monsoon season in Pakistan brings an added risk of disease, namely dengue fever. Therefore, you should have all necessary vaccinations and other preventative measures completed before leaving for the country.

Polio incidence has dropped more than 99 percent since the launch of global polio eradication efforts in 1988. According to global polio surveillance data, the number of wild poliovirus cases dropped significantly in Pakistan from 74 cases in 2015 to only 5 cases in 2016.

Access to quality medical care may be limited in Pakistan, which places an added importance on international insurance. Clements Worldwide provides Expat Health Insurance with USD 5 million in health care benefits. This policy extends to families also abroad, and includes optional extensions and choice of deductible.

If you need to travel to access quality care, Clements offers Medical Evacuation and Repatriation insurance. A policy covers expenses to transport you to a capable medical facility in case a local medical center is not able to provide adequate treatment. 

Call us today at +1.202.872.0060 or 800.872.0067 or email to discuss your organization’s travel needs tailored to considerations involved while operating in Pakistan.

Source: UK Foreign & Commonwealth Office and Clements Worldwide

Contact a Clements Representative for Insurance Solutions

Civil disobedience, demonstrations and sectarian violence often occur in Pakistan. In June 2013, an attack on foreign tourists at the Nanga Parbat base camp area resulted in several deaths.

While some protests are peaceful, many can turn violent quickly. Therefore, you should take care to avoid large crowds of people and public events while in Pakistan. In Karachi, serious ethnic violence is common, especially in the districts of Lyari and Orangi.

On October 7, 2016 the United States Department of State issued a warning against travel to Pakistan due to the limited ability of Consular services in Islamabad, Karachi, Lahore, and Peshawar. Terrorist groups regularly carry out operations against military bases, universities, hospitals, places of worship, public gathering spaces, and public markets. Threats include suicide bombings, sectarian violence, and kidnapping for ransom. Authorities encourage those who travel to the country to vary travel routes, limit the duration of travel, avoid large gatherings of Western nationals, and accommodations with insufficient security.

On July 30, 2016, a roadside bomb killed 1 and wounded 8 paramilitary rangers near Larkana. 

Caution should also be exercised when traveling by road through Pakistan. The main highways should be avoided at night as many road conditions are poor. Other motorists often behave erratically, and there is a risk of carjacking.  Clements offers Overseas Car Insurance which includes Physical Damage, Third Party Liability, and Excess Liability coverage. With flexible deductible options and fast claims processing, your policy will provide coverage for your vehicle fleet whether it’s on the road, parked or transported abroad.

An optional Political Violence extension is also recommended, which broadens the coverage to include strikes, riots, malicious damage, sabotage, war, terrorism or civil unrest. 

While the threat of piracy close to the Pakistani coastline is negligible, the risk increases farther into the Gulf of Aden and Indian Ocean. Clements offers Maritime Security insurance, which ensures compliance with BIMCO insurance requirements and GUARDCON standards that will achieve cost savings, better coverage, and more efficient policy administration.

Call us today at +1.202.872.0060 or 800.872.0067 or email to discuss your organization’s travel needs tailored to considerations involved while operating in Pakistan.

Source: UK Foreign & Commonwealth Office and Clements Worldwide

Contact a Clements Representative for Insurance Solutions

There has been many terrorist attacks targeting civilians and security personnel. Attacks are common across the country, and government officials, humanitarian, and NGO employees, and foreigners have been frequent targets. Frequent targeted locations include hotels, airports, markets, churches, shopping malls and restaurants.

On October 29, 2016 an armed commando opened fire at a Shi’ite mosque, killing 5 people and injuring 5 others in Karachi.

On October 24, 2016 three terrorists attacked the Balochistan Police training college located in Quetta, Pakistan. Sixty-two cadets were killed in the attack and more than 165 others were injured. The attack was carried out by a branch of the Islamic State located in the Khorasan Province.

On October 17, 2016 a drive-by bomb attack killed one child and injured dozens of other individuals in the city of Karachi, Pakistan. The attack was perpetrated by two motorcyclists who threw pipe bombs into the crowd near a mosque.

On October 16, 2016 two Pakistani soldiers were killed by Afghani militants in cross border clashes. No group has claimed responsibility for the attacks.

On October 7, 2016 the Baloch Liberation Army (BLA), a separatist group in Pakistan, claimed responsibility for attacking a train with explosives. Two explosions killed 6 people and wounded 19 others.

On September 16, 2016, the Taliban in Pakistan carried out a terrorist attack on a large Sunni Mosque in the Northwest region of the country. In the attack 31 people were killed and 28 were injured, mostly individuals worshipping at the mosque.

On September 13, 2016, two separate attacks killed a total of three people and injured up to 23 others. The first was a suicide bomb attack in the city of Shikarpur, and the second was a car bomb attack that took place in Quetta.

On September 7, a grenade attack from an unknown perpetrator targeted police vehicles in Peshawar. While no individuals were killed, 6 were injured.On August 8, 2016, a suicide bomb killed at least 93 people and wounded 120 others at a hospital in Quetta in southwest Pakistan.

On August 7, 2016, a woman and her daughter were killed in a drive-by shooting in the Upper Dir region of Khyber Pakhtunkhwa in an apparent punishment for breaking Islamic Law and marrying without her family's permission.

On June 17, 2016, one person was killed and 3 injured after a bombing by militants that targeted policemen.

On May 9, 2016, at least 12 people were injured in a hand grenade attack in Pakistan's southern port city of Karachi.

On March 27, 2016, at least 72 people were killed, including 29 children and over 200 others people were injured in a suicide bombing that hit the main entrance of Gulshan-e-Iqbal Park, one of the largest parks in Lahore. 

On March 16, 2016, a bomb detonates in a bus carrying government employees in Peshawar, Pakistan, killing 15 and injuring at least 25.

On March 7, 2016, at least eight people, including three police constables, were killed and 14 others were injured in a suicide blast in the premises of a local court in Charsadda district in Pakistan’s troubled northwest.

On February 6, 2016, a suicide bomber blew himself at a security forces vehicle in Quetta, killing nine people, including two Frontier Corps (FC) personnel and wounding another thirty-four. Tehreek-i-Taliban Pakistan claimed responsibility.

On January 20, 2016, several gunmen, some equipped with suicide vests, opened fire on Bacha Khan University, killing 20 people and wounding another 20. At least four of the attackers were also killed during the attack. More than 200 students were rescued from the building. Tehrik-i-Taliban Pakistan claimed responsibility, and it was perpetrated by members of the Geedar-faction faction. However the umbrella group, Taliban, denied and condemned the attack.

On January 19, 2016, a suicide bomber driving a motorcycle hit a roadside checkpoint on the N-5 National Highway, close to Peshawar killing ten people, including a child and injuring 42 others. Tehrik-i-Taliban Pakistan claimed responsibility.

On December 13, 2015 in Parachinar, a bombing occurred at a clothes bazaar in Pakistan’s Parachinar area in the Kurram Valley. It was not clear whether the bombing was a suicide attack or a remotely controlled detonation. The blast killed 23 people and another 30 were injured.

On October 23, 2015, a suicide bomber detonated himself at a religious procession for a Shiite Muslim holiday. The blast killed 22 people, at least five kids among them. Over 40 were wounded. No groups have claimed responsibility for the attack.

On July 4, 2015, the terrorist group Tehrik-i-Taliban coordinated three separate attacks in Pir Ghr, North Waziristan, and South Waziristan, killing seven soldiers and injuring nine others. 

In December 2014, armed militants wearing suicide vests attacked the Army Public School and Degree College in Peshawar. The siege killied at least 140 people, mostly children.

In June 2014, a passenger was shot by a gunman and two flight attendants were injured on an international flight landing at Peshawaar's International Airport. There was another terrorist attack in June that lasted for about two days and resulted in 19 deaths in Karachi's Jinnah International Airport. 

In August 2013, the US State Department closed its Lahore consulate temporarily due to a specific threat of terrorism. In June 2013, 11 foreign nationals including one U.S. national, were murdered on a Nanga Parbat mountain base camp. Travelers should be cautious around all US consulates throughout Pakistan. At the moment, security forces in the country are on high alert for possible attacks. Hotspots include areas of Khyber-Pakhtunkhwa and Karachi.

Clements provides Political Violence Insurance while you are living and working in Pakistan. An extension offers the right coverage against the risks of civil unrest, war, riots, looting and acts of terrorism.

There is also a high threat of kidnapping in the country. Westerners have been abducted at an increasing rate over the past two years, with recent incidents reported in Punjab and Balochistan. Other regions where kidnapping may occur include Sindh and Karachi. Some foreign nationals have been detained for an extended period of time, while others have even been killed.

A Kidnap and Ransom insurance policy from Clements ensures financial assistance following a kidnapping, such as independent investigations, negotiations, and the arrangement and delivery of funds.

Call us today at +1.202.872.0060 or 800.872.0067 or email to discuss your organization’s travel needs tailored to considerations involved while operating in Pakistan.

Source: UK Foreign & Commonwealth Office, U.S. Dept of State, and Clements Worldwide

Contact a Clements Representative for Insurance Solutions