Travel insurance policy are useless in our policy clearly mentioned if flight cancel more then 12 hours you will get USD350 without mentioning any geographical clause but in actual when you claim your amount they giving you so many stupid's reason like below. none of this reasons are mentioned in policy. Please inform the client that Travel Takaful Geographical coverage starts outside the usual country of residence therefore coverage starts when the participant travels out of Pakistan and ending on the date of return of Participant to Pakistan therefore our liability is not invoked because participant travel was not started in this instance. Shahzad Muhammad Khan. Ghilzai Kindly inform the client that had this incident was occurred at destination /in overseas then this cover will be invoked in following circumstances only. ( For review of policy wording , please visit URL//ETRAVEL.PAKQATAR.PK) and customer can also check other insurance companies travel policy as well for his own satisfaction and for counter check. Benefits 1)Un-foreseen illness 2)Inclement weather conditions 3)Burglary or any natural disaster 4)Terrorism incident 5)Traveling companion becomes the victim of a felonious act. Exclusions 1) Common Carrier -caused cancellations 2)Any Government regulation or prohibition 3)Any Business or contractual obligation of the family 4)Changes in the plans by the participant or immediate family.