travel insurance kenya cost

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• Key takeaways

Kenya travel information and requirements

What to consider when taking a trip to kenya, do i need travel insurance to visit kenya, what does travel insurance for kenya cover, what isn’t covered by travel insurance for kenya, how much does travel insurance for kenya cost, tips for getting the best kenya travel insurance, faq: kenya travel insurance, related topics.

Travel Insurance for Kenya: Recommendations & Requirements

• Your U.S. health insurance won’t work in Kenya , so it’s a good idea to purchase travel medical and medical evacuation coverage for your trip even though it’s not required.
• In addition to medical coverage, a comprehensive policy includes coverage for other travel issues , such as trip cancellations, trip interruptions, delays, lost baggage and more.
• Based on our research, our top picks for travel insurance for Kenya come from Tin Leg, Seven Corners and Natiowide ( skip ahead to see these plans ).
• Travel insurance for Kenya can cost as little as $2 per day for basic medical coverage.
• To compare multiple plans at once and find the best coverage for your needs, try using our online comparison tool .

Whether you’re planning to go on a safari or dance the night away in one of Nairobi’s famed clubs, it’s important to plan ahead.

Buying travel insurance for Kenya helps you plan for the unexpected, from lost baggage to lengthy airline delays. A comprehensive Kenya travel insurance policy may also provide coverage for adventure sports and other risky activities, giving you extra protection.

We’re here to give you the 4-1-1 on everything you need to know about Kenya travel insurance.

We’ll explore:

• Travel requirements for Kenya
• What travel insurance for Kenya covers and doesn’t cover
• How much travel insurance for Kenya costs

Our top picks for the best kenya travel insurance

• Tin Leg: Best Rated for Adventurous Trips
• Seven Corners: Best for a Robust Coverage
• Nationwide Mutual Insurance Company: Best for Trip Interruption & Travel Delay

Our top picks for travel insurance for Kenya

Seven Corners

Nationwide mutual insurance company.

If you’re planning a trip to Kenya, keep the following in mind.

Trips to Kenya are expensive

In 2022, the average trip to Kenya cost more than $11,500 per group, according to data published by SquareMouth . Travel insurance for Kenya can help you recoup some of your costs if something goes wrong during your trip.

For example, if you have to end your trip early due to a covered event, your insurance provider may reimburse your unused prepaid expenses, such as hotel stays and local excursions.

Traveling to Kenya

Not only is international travel expensive, but it also requires careful planning. If you depart from the United States, you may have to stop at Heathrow in London, Charles de Gaulle in Paris or Schiphol in Amsterdam. The more legs you have in your journey, the more likely it is that you’ll encounter at least one delay.

Attractions in Kenya

A trip to Kenya is truly a once-in-a-lifetime experience. You can visit Mombasa, take a safari through the Maasai Mara National Reserve or walk through Amboseli National Park. If you love museums, you may want to travel to Nairobi, Kenya. You can even climb Mount Kenya or visit the Sarara Singing Wells in Laikipia.

Whether you’re feeling adventurous or looking for laid-back activities, many Kenya attractions are in remote locations. Travel insurance for Kenya covers the cost of medical evacuation, ensuring you get the care you need even if you’re far from the nearest medical facility.

You’re not legally required to have travel insurance for a trip to Kenya, but we highly recommend purchasing a policy. 

Comprehensive travel insurance protects you in a variety of situations.

Risk of terrorism and political demonstrations

Due to ongoing conflict at the borders of Somalia, South Sudan and Ethiopia, Kenya has a higher-than-average risk of terrorism, kidnapping and political demonstrations. Travel insurance may cover trip cancellations or interruptions due to domestic terrorism or civil unrest.

Bandits and petty crime

Occasionally, bandits cross the Somalia/Kenya border to commit thefts and other petty crimes. These bandits are known as “shifta.” Carjackings and scams are also common. In many cases, Kenya travel insurance covers lost or stolen belongings.

Insect bites, illness and disease

Although the prevalence of malaria in Kenya has declined, it’s still rather common, according to USAID . Kenya is also home to several other insect-borne illnesses, including Rift Valley fever, Dengue, filariasis and African sleeping sickness. If food isn’t cooked and stored correctly, there’s also a risk of contracting hepatitis, measles, cholera and meningococcal diseases.

You can reduce your risk of contracting insect-borne illnesses by using bug spray during your trip. Vaccinations are also available for measles, hepatitis, meningitis and Dengue virus. Due to the risk of contracting these diseases, it’s essential to have medical coverage for your trip to Kenya.

Adventure activities

Some of the most popular attractions in Kenya involve adventure sports and other risky activities. For example, many people board hot-air balloons to watch the wildebeest migrate over Masai Mara.

Standard travel insurance generally doesn’t cover these activities, but it’s possible to purchase an adventure add-on for extra protection. Add-ons cover additional risks, making your travel insurance policy even more comprehensive.

Severe weather and natural disasters

Flash flooding, landslides and torrential rains are some of the possible weather-related risks you’ll encounter in Kenya. Your travel insurance provider may reimburse your prepaid costs if you have to cancel or interrupt a trip due to unforeseen risks. For example, if a landslide occurs without warning, you may be able to cancel and get your money back.

Kenya travel insurance covers a wide range of circumstances.

Let’s take a look at the different types of coverage to help you decide which ones are necessary for your trip.

Travel medical insurance

Imagine you’re looking for elephants at Amboseli National Reserve when you fall and break your femur. U.S. health insurance doesn’t work in Kenya, so you need travel medical insurance to cover the cost of your care. For example, you may need to undergo surgery or stay in the hospital for several days. SquareMouth recommends purchasing at least $100,000 in emergency medical coverage before you travel to Kenya.

Medical evacuation insurance

If you injure yourself while cycling through Hell’s Gate National Park, you can’t exactly have a tour guide drive you a few miles to a hospital. You’ll need to pay for medical evacuation, which is extremely expensive. SquareMouth recommends purchasing at least $250,000 in medical evacuation coverage , but some companies offer up to $1 million in medevac coverage per policy.

Trip cancellation insurance

Trip cancellation insurance allows you to cancel your trip for a covered reason and get reimbursed for your prepaid, nonrefundable expenses.

A covered reason is an unforeseen event that forces you to cancel your trip. 

These are some examples:

• Death of the traveler
• Death of a travel companion
• Death of a non-traveling family member
• Natural disasters
• Inclement weather (e.g. flash flooding during the rainy season)

Cancel-for-any-reason insurance

Regular cancellation coverage only reimburses you for covered events. If you’re concerned that you’ll have to cancel for another reason, purchase cancel-for-any-reason insurance .

CAFR allows you to cancel your trip for any reason, such as a change in travel plans or fear of kidnapping. Many providers allow you to get back 75% of your prepaid, nonrefundable expenses if you use your CAFR coverage.

Trip interruption insurance

Once you arrive in Kenya, you may encounter a circumstance that forces you to end your trip early. For example, if you contract a foodborne illness, you may be too ill to enjoy all the activities on your itinerary. Trip interruption insurance reimburses the unused portion of your prepaid, nonrefundable expenses.

Assume you spent $700 per night on your hotel and planned to stay in Kenya for seven nights. If you have to end your trip after just two nights, your trip interruption insurance would reimburse you $3,500 ($700 per night for five unused nights).

Trip delay insurance

Unless you live in or around New York City, it’s tough to get a direct flight to Kenya. It’s more likely that you’ll have several layovers, increasing the likelihood of a delay. For example, if one of your flights takes off late, you may miss your connection, throwing off the whole trip.

Trip delay insurance reimburses you for the loss of prepaid expenses caused by delays. It also covers delay-related costs, such as meals, transportation and overnight accommodations. For example, if a long delay causes you to miss your first prepaid excursion, your trip delay insurance should reimburse you for the loss.

Adventure activity coverage

People flock to Diani Beach, just south of Mombasa, to go jet skiing and enjoy other adventure activities. Since standard insurance policies don’t cover these activities, you may need to purchase an add-on.

Baggage insurance

Comprehensive travel insurance also covers lost, stolen, delayed or damaged baggage. For example, if your luggage arrives in Kenya two days after you do, your insurer may reimburse you for the cost of buying new toiletries or purchasing clothing to wear during the first few days of your trip.

Kenya travel insurance typically doesn’t cover the following:

• Injuries arising from drug/alcohol use or illicit activities
• Normal pregnancy expenses  
• Preexisting medical conditions
• Cancellations/interruptions due to foreseeable events
• Fear of flying/fear of travel
• Named storms
• Medical tourism

Travel insurance for a trip to Kenya can cost as little as around $2 per day for basic medical and medevac coverage.

To give you a better idea of how much coverage costs , we got price quotes from some of the top insurance providers . All of our price quotes follow Squaremouth’s guidelines of having at least $100,000 in emergency medical coverage and at least $250,000 in medical evacuation coverage.

The quotes are based on the following criteria:

• Age: 50 years old
• State of residency: California
• Destination: Kenya
• Trip Length: 14 days
• Time of trip: August 2024
• Trip cost: $8,000

For this first example, we got quotes for basic coverage. These travel insurance plans cost around $2 to $5 per day .

Example Where Plan Doesn’t Reimburse the Full Trip Cost

For our next example, our quotes are for comprehensive plans that include trip cancellation and interruption coverage. They range from around $26 to $54 per day .

Example Where Plan Does Reimburse the Full Trip Cost

Keep in mind that the cost of travel insurance varies based on several factors:

• The length of the trip
• The total trip cost
• Number of travelers in the group
• Your destination

This means that how much you’ll pay will differ from the quotes displayed above. For accurate pricing, we recommend you try getting a quote .

To get the best travel insurance for Kenya, follow these steps:

Review your transportation options.

If you have to take multiple flights or use some type of public transportation when you arrive in Kenya, you’ll need extra coverage for delays.

Check your itinerary.

There’s no such thing as a risk-free trip, but some activities are riskier than others. If you plan to climb Mount Kenya, go ballooning or participate in other adventure activities, make sure you purchase add-on coverage.

Buy your policy as early as possible.

Travel insurance only covers unforeseen events, which are events that happen unexpectedly. The longer you wait to purchase coverage, the more likely it is that an unforeseen event will turn into a foreseen event, preventing you from recouping your costs. For example, if you buy a policy after a named storm forms, your insurer won’t reimburse you for any losses associated with the storm.

Is it safe to visit Kenya?

It’s generally safe to visit Kenya, but pay close attention to your surroundings and keep your belongings secure. The U.S. State Department recommends avoiding areas of Kenya that are close to the country’s border with Somalia. Some coastal areas of Kenya also have an increased risk of kidnapping.

You’re not required to purchase travel insurance for Kenya, but we highly recommend it. A comprehensive travel insurance policy can save you the heartache of losing your money if you have to cancel or end your trip early.

Does health insurance for Kenya cover travel expenses?

Standard health insurance only covers medical expenses incurred during your trip, but it’s possible to purchase a comprehensive policy that reimburses you for a variety of travel-related expenses.

Can I buy travel insurance after I've started my trip to Kenya?

It depends on the provider. Some companies allow you to purchase insurance after you’ve started your trip, but others don’t. We recommend buying in advance of your trip to get the broadest coverage.

Is medical travel insurance worth it for a trip to Kenya?

Absolutely. U.S. health insurance doesn’t work in Kenya, so you’ll need some way to cover any emergency medical expenses you incur during your trip.

Leigh Morgan is a seasoned personal finance contributor with over 15 years of experience writing on a diverse range of professional legal and financial topics. She specializes in subjects like navigating the complexities of insurance, savings, zero-based budgeting and emergency fund development.

In the last 5 years, she’s authored over 300 articles for credit unions, digital banks, and financial professionals. Morgan is also the author of “77 Tips for Preventing Elder Financial Abuse,” a book focused on helping caregivers protect the elderly from financial scams.

In addition to her writing skills, she brings real-world financial acumen thanks to her previous experience managing rental properties as part of a $34 million real estate portfolio.

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Kenya Travel Insurance

Travel insurance for kenya.

Kenya is a country at once wild and fizzing with human culture. One day, you can be touring the savannah plains of the legendary Maasai Mara reserve looking for sightings of elephants and zebras. The next, you could be lost in the vibrant flea markets of downtown Nairobi. Whether you're planning the safari of a lifetime, a hiking jaunt to the top of Mount Kenya, or a visit to the buzzy metropolises of East Africa, it's always a good idea to consider travel insurance for Kenya before you book. That's where this guide comes in, offering all the info you need on travel insurance and what it can offer…

• What should your Travel insurance cover for a trip to Kenya? 
• How does Travel Insurance work in the Kenya?
• Do I need Travel Insurance for Kenya? 
• How much does Travel Insurance cost for Kenya? 
• Our Suggested AXA Travel Protection Plan

What types of medical coverage does AXA Travel Protection plans offer?

Are there any covid-19 restrictions for travelers to kenya, traveling with pre-existing medical conditions , what should your travel insurance cover for a trip to kenya.

At a minimum, your travel insurance should cover trip cancellation, trip interruption and emergency medical expenses. When it comes to international travel, the US Department of State outlines key components that should be included in your travel insurance coverage.  AXA Travel Protection plans are designed with these minimum recommended coverages in mind. 

• Medical Coverage   – The top priority is making sure your health is in order. With AXA Travel Protection, you can have access to quality healthcare during your trip overseas in the event of unexpected medical emergencies.    
• Trip Cancellation & Interruptions  – Assistance against unexpected trip disruptions can dampen the mood, AXA Travel Protection offers coverage against unforeseen events.   
• Emergency Evacuations and Repatriation   – In situations where transportation is dire, AXA Travel Protection offers provisions for emergency evacuation and repatriation.   
• Coverage for Personal Belongings  – AXA offers coverage for your belongings with assistance against lost or delayed baggage.   
• Optional Cancel for Any Reason  – For added flexibility, AXA offers optional Cancel for Any Reason coverage, allowing you to cancel your trip for non-traditional reasons.  Exclusive to Platinum Plan holders. 

In just a few seconds, you can get a free quote and purchase the best travel insurance for Kenya.

How Does Travel Insurance Work in the Kenya?

Let's consider a scenario: You're out in the bush of the East Tsavo National Park, keeping watch for elephant herds and prowling lions. But, suddenly, you don't feel all that well. You've got the shivers, muscle aches, and tiredness. Folks with travel insurance will often get support to help connect them with the right medical professionals, to check whether their symptoms need more careful attention or just good old rest and recuperation. Kenya, after all, remains high-risk for malaria and dengue fever, so it's good to make sure! Here’s how travelers can benefit from an AXA Travel Protection Plan:

Medical Benefits:

• Emergency Medical Expenses: Should you fall ill or have an accident during your trip, your policy may offer coverage for medical expenses, including hospital stays and doctor's fees. 
• Emergency Evacuation & Repatriation: In case of a serious medical emergency, your policy may include provisions for evacuation to the nearest appropriate medical facility or repatriation. 
• Non-Emergency Evacuation & Repatriation : In non-medical crises (e.g., political unrest), your policy may cover evacuation or repatriation, subject to policy terms. 

Pre-Departure Travel Benefits: 

• Trip Cancellation: You may be eligible for reimbursement if you cancel your trip due to a sudden illness or injury. 
• COVID-19 Travel Insurance: Coverage is available for trip cancellation and medical expenses related to COVID-19, subject to policy terms and conditions. 
• Trip Delay: If your flight faces delays due to unforeseen circumstances, you may have coverage for additional expenses such as meals and accommodations. 

Post-Departure Travel Benefits

• Trip Interruption: In case of an unexpected event, you could be eligible for reimbursement for the unused portion of your trip.
• Missed Connection: If you miss a connecting flight due to delays or cancellations, this coverage may help with expenses like rebooking fees and accommodations.

Baggage Benefits: 

• Luggage Delay: If the airline delays your checked baggage, your policy might offer reimbursement for essential items like clothing and toiletries. 
• Lost or Stolen Luggage: In the unfortunate event of permanent loss or theft of your luggage, your policy may offer reimbursement for its value, assisting you in replacing your belongings. 

Additional Optional Travel Benefits 

• Rental Car (Collision Damage Waiver): Exclusive to Gold & Platinum plan policy holders, this optional benefit gives travelers extra coverage on their rental car against damage and theft. 
• Cancel for Any Reason: Exclusive to Platinum plan policy holders; this optional benefit gives travelers more flexibility to cancel their trip for any reason outside of their standard policy. 
• Loss Skier Days: Exclusive to Platinum plan policy holders, this optional benefit offers reimbursement to mitigate some costs associated with pre-paid ski tickets that you or your traveling companion cannot use due to specified slope closures. 
• Loss Golf Days: Exclusive to Platinum plan policy holders, this optional benefit offers reimbursement to mitigate the expenses linked to prepaid golf arrangements that you or your travel companion are unable to utilize due to specified golf closures. 

Do I Need Travel Insurance for Kenya?

The Kenyan government has no official decree that says travelers to the country have to purchase travel insurance. But, given the nature of the activities that most people come here for – safaris out in the wild, hiking adventures on high-altitude peaks, food tours of the Nairobi street markets – it's often a good idea to ensure you have cover before jetting off. Why? There are several reasons:  

Medical Emergencies: An insurance product like AXA Travel Protection offers the means to receive prompt medical care whenever it's needed, no matter whether you sprain an ankle or get a tummy bug.

Lost Baggage: Airlines sometimes mishandle baggage, and the last thing you want is to be without your essentials in an unfamiliar place. Travel insurance offers to cover the cost of replacing necessary items, allowing you to continue on.

Flight Delays: We know that whole safaris can be ruined by late flights into Nairobi, which is why travel insurance often offers support in the event of delays caused by airlines, covering expenses incurred because of missed arrivals.

How Much Does Travel Insurance Cost for Kenya?

In general, travel insurance costs about 3 – 10% of your total prepaid and non-refundable trip expenses. The cost of travel insurance depends on two factors for AXA Travel Protection plans:   

• Total Trip cost:  The total non-prepaid and non-refundable costs you have already paid for your upcoming trip. This includes prepaid excursions, plane tickets, cruise costs, etc. 
• Age:  Like any other insurance type, the correlation is rooted in increased health risks associated with older individuals. It's important to note that this doesn't make travel insurance unattainable for older individuals.   

With AXA Travel Protection, travelers to Kenya will be offered three tiers of insurance:  Silver,   Gold  and  Platinum . Each provides varying levels of coverage to cater to individual's preferences and travel needs. 

Our Suggested AXA Travel Protection Plan 

AXA presents travelers with three travel plans – the  Silver Plan ,  Gold Plan , and  Platinum Plan , each offering different levels of coverage to suit individual needs. Given that Kenya hospitals often do not accept U.S. health insurance or Medicare, we genuinely recommend travelers to consider purchasing any of these plans, particularly for the crucial coverage they offer for emergency accident and sickness medical expenses. There's even greater flexibility involved with our Platinum Plan. That gives " Cancel for Any Reason " cover, which means you'll get protection against itinerary and travel plan changes without having to offer any justification. The package also includes additional coverage on rental cars, which could be a welcoming extra for anyone planning on hitting the bumpy, busy, backcountry roads of the East African Rift Valley!

Axa covers three types of medical expenses:  

• Emergency medical expenses 
• Emergency evacuation & repatriation 
• Non-medical emergency evacuation & repatriation   

Emergency Medical: unexpected incidents that arise, such as broken bones, burns, unexpected illnesses and allergic reactions

Emergency Evacuation and Repatriation: Can cover your immediate transportation home in the event of an accidental injury or illness. 

Non-Medical Emergency Evacuation and Repatriation: not all emergencies are medical related. You could be traveling during a period of civil unrest or throughout a natural disaster, and require repatriation to your home country because of it

The remaining COVID-19 restrictions for Kenya were dropped in May 2023, though the authorities here still ask anyone with symptoms to declare them at the border and be tested prior to entry. To stay up-to-date with Kenya’s restriction visit, Department of State for Travel to Kenya .

Traveling with preexisting medical conditions can complicate your plans, but with AXA Travel Protection, we're here to support you during your trip. Our Gold and Platinum  plans offer coverage for pre-existing medical conditions.  The Platinum plan, in particular, is our highest-offered choice for travelers who want our highest coverage limits and optional add-ons,   

What does this mean for you? If you've got a medical condition that's been hanging around, you can qualify for coverage under our Gold and Platinum plans with a pre-existing medical condition , so long as it’s within 14 days of placing your initial trip deposit and in our 60-day look-back period. We're here to ensure you travel easily, no matter your health situation. 

1.Can you buy travel insurance after booking a flight?

You can buy travel insurance even after your flight is booked.

2.When should I buy Travel Insurance to Kenya?

It's advisable to purchase travel insurance for your trip as soon as you have made your initial trip deposit (prepaid and non-refundable trip costs.) AXA Travel Protection offers coverage as soon as you purchase your protection plan. We can give coverage against unforeseen events before you leave for your trip. Additionally, our policies offer coverage for preexisting medical conditions and Cancel for Any Reason if you purchase your protection within 14-days of making your initial trip deposit.

3.Do Americans need travel insurance in Kenya?

There's no legal requirement for American travelers to obtain travel insurance for Kenya.

4.What is needed to visit Kenya from the USA?

If you're visiting Kenya from the US, be sure to have a valid American passport and to complete the eVisa application before you jet off. An eVisa is typically valid for up to three months from the date of issue.

5.What happens if a tourist gets sick in Kenya?

If you become sick in Kenya, travelers with AXA Travel protection can contact the AXA Assistance hotline 855-327-1442 . Contact information is typically provided within the insurance documentation. Please ensure to read through your policy details and information.

Disclaimer: It is important to note that Destination articles are for editorial purposes only and are not intended to replace the advice of a qualified professional. Specifics of travel coverage for your destination will depend on the plan selected, the date of purchase, and the state of residency. Customers are advised to carefully review the terms and conditions of their policy. Contact AXA Travel Insurance if you have any questions.  AXA Assistance USA, Inc.© 2023 All Rights Reserved.  

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Top Travel Insurances for Kenya You Should Know in 2024

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Probably the most well-known East African country among tourists, Kenya is a country that offers a lot to visitors, including unique wildlife, stunning landscapes, and rich cultural heritage such as the Maasai Mara. Although travelling to Kenya can be an accessible holiday destination for many people, and although healthcare costs in the country aren't outrageously expensive, it's still a very good idea to arrive there with travel insurance anway, as you'll want the highest-quality healthcare you can find.

Luckily, online global insurances (known as 'insurtechs') specialize in cost-savvy travel insurance to Kenya and other countries worldwide. Our list below explores the four services we believe provide the best deals for young travellers, adventurers, everyday holidaymakers looking for comprehensive but affordable coverage, and longer-term expats.

Kenya Insurance Profile

Here are a few of the many factors influencing the scope and cost of travel insurances for Kenya:

Best Travel Insurances for Kenya

• 01. Should I get travel insurance for Kenya? scroll down
• 02. Best medical coverage: VisitorsCoverage scroll down
• 03. Best trip insurance: Insured Nomads scroll down
• 04. Best mix for youth and digitial nomads: SafetyWing scroll down
• 05. FAQ about travel insurance to Kenya scroll down

Heading to Kenya soon? Don't forget to check the following list before you travel:

• 💳 Eager to dodge high FX fees? See our picks for the best travel cards in 2024.
• 🛂 Need a visa? Let iVisa take care of it for you.
• ✈ Looking for flights? Compare on Skyscanner !
• 💬 Want to learn the local language? Babbel and italki are two excellent apps to think about.
• 💻 Want a VPN? ExpressVPN is the market leader for anonymous and secure browsing.

Do I Need Travel Insurance for Kenya?

No, there's currently no legal requirement to take out travel insurance for travel to or through Kenya.

However, regardless of whether or not it's legally required, it's always a good idea to take our health insurance before you travel — whether to Kenya or anywhere else. For what's usually an affordable cost , taking out travel insurance will mitigate most or all of the risk of financial damage if you run into any unexpected troubles during your trip abroad. Take a look at the top five reasons to get travel insurance to learn more.

With that said, here are the top three travel insurances for Kenya:

VisitorsCoverage: Best Medical Coverage

Among the internet's best-known insurance platforms,  VisitorsCoverage  is a pioneering Silicon Valley insurtech company that offers comprehensive medical coverage for travellers going abroad to Kenya. It lets you choose between various plans tailored to meet the specific needs of your trip to Kenya, including coverage for medical emergencies, trip cancellations, and travel disruptions. With its easy online purchase process and 24/7 live chat support, VisitorsCoverage is a reliable and convenient option if you want good value and peace of mind while travelling abroad.

• Coverage 9.0
• Quality of Service 9.0
• Pricing 7.6
• Credibility 9.5

VisitorsCoverage offers a large variety of policies and depending on your needs and preferences, you'll need to compare and explore their full catalogue of plans for yourself. However, we've chosen a few highlights for their travel insurance for Kenya:

• Policy names: Varies
• Medical coverage: Very good. Includes coverage for doctor and hospital visits, pre-existing conditions, repatriation, mental health-related conditions, and many others.
• Trip coverage: Excellent - but only available for US residents.
• Customer support: FAQ, live chat and phone support
• Pricing range: USD 25 to USD 150 /traveller /month
• Insurance underwriter: Lloyd's, Petersen, and others
• Best for: Value for money and overall medical coverage

Insured Nomads: Best Trip Coverage

Insured Nomads is another very good travel insurance option, especially if you're adventurous or frequently on the go and are looking for solid trip insurance with some coverage for medical incidents too. With Insured Nomads, you can choose the level of protection that best suits your needs and enjoy a wide range of benefits, including 24/7 assistance, coverage for risky activities and adventure sports, and the ability to add or remove coverage as needed. In addition, Insured Nomads has a reputation for providing fast and efficient claims service, making it an excellent choice if you want peace of mind while exploring the world.

• Coverage 7.8
• Quality of Service 8.5
• Pricing 7.4
• Credibility 8.8

Insured Nomads offers three travel insurance policies depending on your needs and preferences. We go through them below:

• Policy names: World Explorer, World Explorer Multi, World Explorer Guardian
• Medical coverage: Good. Includes coverage for doctor and hospital visits, pre-existing conditions, repatriation, and many others.
• Trip coverage: Good. Includes coverage for trip cancellation and interruption, lost or stolen luggage (with limits), adventure and sports activities, and many others.
• Customer support: FAQ, live chat, phone support
• Pricing range: USD 80 to USD 420 /traveller /month
• Insurance underwriter: David Shield Insurance Company Ltd.
• Best for: Adventure seekers wanting comprehensive trip insurance

SafetyWing: Best Combination For Youth

SafetyWing is a good insurance option for younger travellers or digital nomads because it offers flexible but comprehensive coverage at a famously affordable price. With SafetyWing, you can enjoy peace of mind knowing you're covered for unexpected medical expenses, trip cancellations, lost or stolen luggage, and more. In addition, SafetyWing's user-friendly website lets you manage your policy, file a claim, and access 24/7 assistance from anywhere in the world, and, unlike VisitorsCoverage, you can even purchase a policy retroactively (e.g. during a holiday)!

• Coverage 7.0
• Quality of Service 8.0
• Pricing 6.3
• Credibility 7.3

SafetyWing offers two travel insurance policies depending on your needs and preferences, which we've highlighted below:

• Policy names: Nomad Insurance, Remote Health
• Medical coverage: Decent. Includes coverage for doctor and hospital visits, repatriation, and many others.
• Trip coverage: Decent. Includes attractive coverage for lost or stolen belongings, adventure and sports activities, transport cancellation, and many others.
• Pricing range: USD 45 to USD 160 /traveller /month
• Insurance underwriter: Tokyo Marine HCC
• Best for: Digital nomads, youth, long-term travellers

How Do They Compare?

Interested to see how VisitorsCoverage, SafetyWing, and Insured Nomads compare as travel insurances to Kenya? Take a look at the side-by-side chart below:

Data correct as of 4/1/2024

FAQ About Travel Insurance to Kenya

Travel insurance typically covers trip cancellation, trip interruption, lost or stolen luggage, travel delay, and emergency evacuation. Some travel insurance packages also cover medical-related incidents too. However, remember that the exact coverage depends on the insurance policy.

No, you'll not be required to take out travel insurance for Kenya. However, we strongly encourage you to do so anyway, because the cost of healthcare in Kenya can be high, and taking out travel insurance will mitigate some or all of the risk of covering those costs yourself if you need medical attention during your stay.

Yes, medical travel insurance is almost always worth it, and we recommend taking out travel insurance whenever visiting a foreign country. Taking out travel insurance will mitigate some or all of the risk of covering those costs yourself in case you need medical attention during your stay. In general, we recommend VisitorsCoverage to travellers worldwide because it offers excellent value for money and well-rounded travel and medical benefits in its large catalogue of plans.

Health insurance doesn't cover normal holiday expenses, such as coverage for missed flights and hotels, but in case you run into medical trouble while abroad, it may cover some or all of your doctor or hospital expenses while overseas. However, not all health insurance providers and plans offer coverage to customers while abroad, and that's why it's generally best to take out travel insurance whenever you travel.

Although there's overlap, health and travel insurance are not exactly the same. Health insurance covers some or all of the cost of medical expenses (e.g. emergency treatment, doctor's visits, etc.) while travel insurance covers non-medical costs that are commonly associated with travelling (e.g. coverage for missed flights, stolen or lost personal belongings, etc.).

The cost of travel insurance depends on several factors, such as the length of the trip, the destination, the age of the traveller, and the level of coverage desired. On average, travel insurance can cost anywhere between 3% and 10% of the total cost of the trip.

A single-trip travel insurance policy covers a specific trip, while an annual one covers multiple trips taken within a one-year period. An annual policy may be more cost-effective for frequent travellers.

Yes, you can sometimes purchase travel insurance after starting your trip, but it is best to buy it before the trip begins to ensure maximum coverage. If you do need to buy insurance after you've started your trip, we recommend VisitorsCoverage , which offers a wide catalogue of online trip and medical insurance policies, most of which can be booked with immediate effect. Check out our guide to buying travel insurance late to learn more.

Yes, you can most certainly purchase travel insurance for a trip that has already been booked, although we recommend purchasing insurance as soon as possible aftwerwards to ensure all coverage is in place before your journey begins. Check out our guide to buying travel insurance late to learn more.

See Our Other Travel Insurance Guides

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See our recommendations for travel insurance to other countries worldwide:

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Travel Insurance for Kenya, Kenya Travel Insurance

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Travel insurance from USA to Kenya

Travel insurance from Kenya to USA

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Kenya is a popular country for its incredible wildlife centres like Samburu, Masai Mara, Laikipia and Amboseli. The country has diverse culture, stunning landscapes, iconic safaris that attract millions of tourists to the country. Mount Kenya National Park, Lolldaiga Main Gate, Buffalo Springs National Reserve, Mount Kenya Wildlife Conserve, Kenya National Park and Ngare Ngare Forest are some of the popular tourist attractions..

Several US Citizens travel to Kenya to explore the Wildlife safaris . US citizens who wish to travel to Kenya need to however get a visa to enter the country.. Traveling to Kenya for a vacation is fun but US travelers must remember that travelling away from home to a new continent can lead to unforeseen risks.

Travellers visiting Kenya should not overlook purchasing good travel medical insurance. Kenya has faced its share of terrorist activities and its healthcare is not comparable to the United States. Given the domestic healthcare insurance cover does not travel across US borders, it is of paramount importance to buy adequate travel health insurance .

  Kenya - General Information

Popular tourist destinations in kenya.

Maasai mara national park

The park is widely known and celebrated as the 'Home of the Big Cats'. The park is also famous for the Great Migration, when thousands of wildebeest, zebra etc.

Amboseli national park

The park consists of elephants, big cats, such as lion and cheetah, as well as giraffe, impala, eland, waterbuck, gazelle, and more than 600 species of birds.

Lake nakuru national park

Lake Nakuru National Park, in Central Kenya, is famous for its huge flocks of pink flamingos, and one of only three in the country's most visited game parks in Kenya.

Thomson's falls

Thomsons Falls of Kenya is a renowned tourist attraction sites of Kenya, and also known as Nyahururu was the name of both the neighboring town as well as the waterfall.

Places to see in Masai Mara National Reserve

What does visitor travel insurance cover, health care expenses.

Covers hospital expenses for sickness or accidents.

Doctor visit

Insures Doctor visits for sudden injury or sickness.

Pharmacy drugs

Doctor prescribed eligible pharmacy drugs expenses.

Pre-existing conditions

Medical evacuation, repat of remains.

Repatriation of remains to home country included.

Kenya travel information and requirements

• Passport and Visa: Most visitors to Kenya need a passport valid for at least six months beyond the date of entry and must have two blank pages and a visa to enter the country. Visas can often be obtained online before travel or upon arrival at the airport. However, it's essential to check the specific visa requirements based on your nationality before your trip.
• Health Requirements: Travelers to Kenya may need to show proof of yellow fever vaccination , especially if arriving from or transiting through a yellow fever-endemic country. Additionally, it's advisable to consult with a healthcare provider or travel clinic regarding recommended vaccinations and medications for diseases like malaria, typhoid, and hepatitis.
• Currency: The official currency of Kenya is the Kenyan Shilling (KES). While credit cards are widely accepted in urban areas, it's also a good idea to carry some cash, especially when traveling to more rural or remote areas where card acceptance may be limited.
• Safety and Security: The US State Department has issued a Level 2 Travel Advisory for Kenya, which means to exercise increased caution. Kenya is generally a safe destination for tourists, but it's essential to exercise caution and stay informed about the current security situation, especially in regions prone to civil unrest or terrorism. Be vigilant, avoid demonstrations or large gatherings, and follow local authorities' advice.

Kenya travel insurance - Frequently asked questions

What is the best travel insurance for kenya.

The cheapest travel insurance to Kenya will be a fixed benefits plan visitor insurance plan. However the cheapest travel insurance might not be suitable or appropriate to your situation. It is important to compare cheap travel insurance for Kenya based on your needs. Kenya travel insurance can be categorized either as fixed benefits or comprehensive travel insurance.

While Fixed benefits are cheaper, comprehensive travel insurance provide better more flexible coverage. International travelers should compare cheap travel insurance for Kenya before buying it.

Is it too late to buy travel insurance for Kenya?

It's never too late to buy travel insurance for Kenya . The only time it is too late is if a person is already sick or injured. As long as everyone is healthy, you can purchase a Kenya travel insurance to have coverage for future accident or illness. Compare and buy best travel insurance to Kenya.

How much does travel insurance for Kenya cost?

The cost of travel insurance for Kenya depends on several factors:

• Length of your trip: Longer trips generally cost more to insure.
• Your age: Travel insurance premiums typically increase with age.
• The amount of coverage you choose: Higher coverage limits will result in a higher premium.
• Whether you include optional coverages: Adding activities like safaris may increase the cost.

is travel insurance mandatory for Kenya?

No, travel insurance is not mandatory for Kenya. However, it is highly recommended for most travelers.

Here's why travel insurance is a good idea for Kenya:

• Medical Expenses: Your regular health insurance likely won't cover you in Kenya. Travel insurance can help pay for medical bills if you get sick or injured during your trip.
• Trip Interruption/Cancellation: If your trip gets cancelled or interrupted due to unforeseen circumstances (like illness, bad weather, etc.), travel insurance can help reimburse you for non-refundable expenses.
• Other Coverages: Many travel insurance plans offer additional benefits like coverage for lost luggage, trip delays, and even adventure activities.

While not mandatory, travel insurance provides valuable peace of mind and financial protection for your Kenyan adventure.

Best travel insurance for African safari

Travel insurance to kenya from usa links, travel insurance for kenya faq, kenya travel insurance blog, travel insurance to kenya forum, trip insurance vs travel health coverage vs global medical insurance.

Confused whether to buy trip, travel or global health insurance? Understand the differences!

Travel Insurance for Kenyan traveling to the US

The US is known for its vibrant culture, world class education, one of the highest standards of living and several tourist attractions makes it the aspirational country for people all around the globe. The United States of America and Kenya have long been close partners and have cordial relationships between each other..

Travel health insurance for foreigners in USA

Visitors insurance for seniors.

Visitor medical insurance for travelers above 60 years

Visitor medical insurance for travelers above 65 years

US Visitors insurance for travelers above 70 years

Visitor medical insurance for travelers above 75 years

Visitor health Insurance for travelers above 80 years

US Visitors insurance for travelers above 90 years

Travel insurance for visitors from Kenya to USA

New immigrant insurance for immigrants from kenya to the usa.

The immigration of Kenyans to the United States began centuries ago and they have made their presence felt on American soil for over 300 years. The earliest Kenyan immigrants to the US were targets of the American slave trade until 1808. More recently, as a result of political instability in Kenyan, there has been more migration as Kenyans are looking for better socio-economic conditions in the US.

As a result of the close relationship between the two countries, Kenyans have long admired American culture. Kenya also has restaurants with American cuisines and US entertainment is much loved. The exposure to US culture has motivated Kenyans to make use of the economic and educational opportunities available in the US.

A large number of Kenyans migrated to the US during the 1990s-2000 thanks to information and technology focused careers opportunities in the US. According to the 2010 US census there were 92,638 Kenyan born people living in the US and one third of them had naturalized their status. Most Kenyan immigrants are living in California, Texas, Maryland, Georgia and New York.

While migrating to the US one should be prepared for the cultural, weather and socio-economic changes that one faces. As part of this, it is essential to have good immigrant medical insurance on arrival in the US, especially given the Covid19 pandemic. A good US immigrant health insurance plan will provide coverage for medical expenses incurred in case of any injury or illness.

Healthcare in the US is very expensive and visiting a hospital in the US without insurance is scary. Buying US immigrant insurance for a new Kenyan immigrant is easy at American Visitor Insurance. New immigrants can compare several plans for prices and benefits from the comparison tool according to their requirements.

Immigrants can get answers to all the questions by the 24/7 customer support service team. Immigrants can also get instant policy documents by Email. Feel free to give a call or email to the customer support team and one of the licensed agents will be able to help further.

Student health Insurance for Kenyan Students in US

The US is home to many of the worlds’ best universities offering higher education programs in diverse subjects, as well as providing technology and research options with opportunities to work in the US after graduation. For many decades the US has been the preferred destination for students from all over the world.

Kenya is on top of the list of African countries that have their students studying in the US. In the year 2002 Kenyan students were at an all-time high with 7,000 students in the US. According to Daily Nation there were 3,451 Kenyan students enrolled in the US in the year 2018-19.

The percentage of Kenyan students grew since 2015 marking a growth to 22% by 2020.Regardless of the Covid-19 pandemic the number of Kenyan students enrolling to US universities has increased to 3,710.

Studying in the US is a life changing experience for international students .However thanks to the multicultural environment and busy college schedules, students often become careless about their health. Falling sick while being away from home can be very stressful. US Healthcare is very expensive and International students in the USA need good student health insurance, which will provide coverage for all unforeseen medical expenses due to injury or illness.

At American Visitor Insurance, Kenyan students can buy best international student medical insurance with Covid19 and pre-existing conditions coverage and is cheaper than university plans with similar coverage. American Visitor Insurance has tools to compare several international student medical insurance plans based on prices as well as coverage benefits.

Kenyan students can buy international student insurance quickly and get policy documents by email while being sure of the guaranteed best price. There is 24/7 customer support by licensed agents along with providing answers to FAQ's by students.

Medical insurance for Kenyan professionals in the USA

Traditionally Kenyans have been looking at the US as a land for better economic opportunities that was deprived in Kenya until 1980. Due to the political insecurity and a decline in the economy many Kenyans migrated to the US. Most of the immigrated Kenyans were well educated and had specialized skills.

With the boom of the technology industry a large number of Kenyans migrated to the US. Kenyans have a linguistic benefit as they speak fluent English which makes it easy to find jobs. Several Kenyans are working in health care professionals and white colored jobs. Kenyan Americans usually make a smooth integration process into the American society.

While planning to relocate Kenyan professionals must consider the challenges that may occur while staying overseas, mainly personal health care . Good international travel insurance cover can provide one with the coverage for any unexpected medical and travel emergencies.

Travel insurance is very important especially in the Covid19 pandemic. Healthcare in the US is very expensive. American visitor insurance offers some of the finest US insurance plans with guaranteed best price along with acute onset of pre-existing conditions and Covid19 coverage options.

Visitors can compare several plans for prices and benefits which aids in buying a good travel insurance cover that suits the requirements. The 24/7 customer service support team will provide all the answers to the FAQ's by customers. Purchasing US visitors insurance is easy at American visitor insurance for Kenyan visitors. For more details call our customer service or email American Visitor Insurance and the team will be glad to guide you further.

Travel health insurance for travelers from Kenya to the USA

The US is one of the most desired travel destinations in the world. Its vibrant culture, natural wonders and welcoming population makes the country a very popular tourist attractions. Given the long standing and constant friendly relation with Kenya, there are several Kenyan Americans living in the US. As a result, there are also several Kenyans who visit the US to meet family, friends and for a vacation regularly.

Traveling long distances for a holiday is filled with a lot of excitement and fun but one should keep in mind the risks while traveling overseas. Traveling internationally and to the US increases travel related risks. Travel insurance is important especially given the Covid19 pandemic; this is particularly true for older travelers.

International travel insurance provides coverage for unexpected medical emergencies along with insuring the trip costs. American visitor insurance offers some of the best US insurance travel insurance plans with best prices.

Along with pre-existing conditions and Covid19 travel insurance coverage. Kenyan travelers can compare several plans for prices and benefits and get answers to FAQ's from the 24/7 customer support available with licensed US insurance agents. For more details call the customer service or email and one of the licensed agents will be glad to help.

USA visa health insurance, Visitor visa health insurance USA

USA B1 visa health Insurance, B1 visa travel insurance for tourists.

B2 visa health insurance for tourists, B2 visa tourist insurance for USA.

F2 visa medical insurance for F1 visa dependents, F2 visa health insurance.

F1 visa student health insurance, International student insurance in USA.

J1 visa insurance for exchange scholars, J1 visa medical insurance.

Health insurance for green card holders, Green card health insurance.

Fiancée health insurance, K1 visa health insurance for fiancé on K1 visa.

H1B visa health insurance, Travel health insurance for H1B visa holders.

Travel insurance for tourists in USA, tourist insurance USA.

H4 visa health insurance, Health insurance H4 visa holders.

Travel tips for international travelers

Travel tips for international travelers – safety, comfort and wellness.

Resourceful tourist insurance USA information

Find the best travel insurance.

Find out the best insurance for your budget and needs

How does travel insurance work?

Claims process for expenses due to injury or sickness

How to buy travel insurance?

Travel insurance glossary, travel insurance for specific groups, compare travel insurance plans, travel insurance for kenya, visitor insurance for kenya.

Travel insurance for USA resources International travel insurance resources for Kenya visa holders.

Factors for Travel Insurance Important factors while deciding on the best travel insurance to Kenya.

Types of Kenya travel insurance online Understanding different types of Kenya visa travel insurance options.

Kenya travel insurance claims procedure Travel insurance claims process for getting medical care in a hospital.

Overseas travel insurance for US residents

Find the best us visitor insurance coverage - blogs and articles, affordable travel insurance online.

Fixed benefit or scheduled benefit plans are the most affordable international travel insurance plans.

Best international travel insurance

International travel insurance plans covering pre-existing conditions which many older travelers look for.

Compare US travel insurance online

Compare quotes online for best travel insurance online, Fixed vs comprehensive travel insurance USA.

Advantages of buying travel insurance online

Compare and buy the best travel medical insurance plans online.

Buy cheap travel insurance

There are many cheap international insurance plans also known as visitor insurance plans.

Coinsurance & Deductible - How visitor travel insurance works.

Best International travel insurance Cost

Travel insurance - pre-existing conditions coverage.

Compare and buy best pre-existing plans

International travel insurance resources

Compare and buy international travel insurance USA

Travel insurance from Kenya to Europe

Kenya residents visiting schengen countries.

Travel Insurance is mandatory while applying for the Schengen visa which allows you to travel to 29 countries in Europe. The Schengen state consulates have guidelines for the insurance which satisfy visa requirements.

Schengen visa insurance requirements

• Travel insurance coverage of 30,000 Euros (about $50,000 USD)
• A repatriation benefit.
• An emergency medical evacuation benefit.

US visitors insurance providers

You can find reliable US insurance providers like International Medical Group(IMG), Seven Corners, WorldTrips, Global Underwriters, Travel Insure, GeoBlue, HTH Worldwide and INF insurance.

More tourist medical insurance usa categories

Compare Visitors insurance USA

USA New immigrant Insurance

US visa health insurance

Senior Citizen travel insurance

Pre-existing visitors insurance

J1 Visa health insurance

International student Insurance

Green Card medical insurance

International Medical Insurance

Cruises Travel Insurance

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Kenya Travel Insurance Requirements

Last updated: 03/07/2024

Squaremouth’s Kenya Travel Insurance Recommendations

Home to more than 50 national parks, Africa’s second highest mountain, and some of the world’s most diverse wildlife populations, it’s no surprise why tourists from around the world flock to Kenya. Even though Kenya has no official travel insurance requirements, country officials and travel experts both strongly urge all visitors to obtain a travel insurance policy due to high trip costs and the potential for high medical bills.

When traveling to Kenya, Squaremouth recommends a comprehensive travel insurance policy that includes the following benefits:

Kenya Cancellation Coverage

From flights to safari tours, visiting Kenya can be a costly adventure. In 2022, Squaremouth data indicates that the average trip to Kenya cost travelers more than $11,5000 per group.

Having a travel insurance policy with cancellation coverage is a smart way to protect your trip investment. With the Trip Cancellation benefit, travelers can be reimbursed if they fall ill, get injured, or experience other covered disruptions prior to departing for their trip.

Policies with Trip Cancellation also include Trip Interruption coverage, which can provide travelers reimbursement if unexpected events cause them to return home from their trip early. This benefit applies to travelers that have already departed for their trip and have unused, nonrefundable trip costs.

Common covered reasons include unforeseen illness, injury, or death of the traveler, a traveling companion, or a non-traveling family member. Other covered cancellation reasons may also include terrorism, inclement weather, or a natural disaster, among others. With this coverage, travelers can receive up to 100% reimbursement for their insured trip costs.

Kenya Travel Medical Insurance

Safaris and cultural tourism are some of the main drivers of visitors to Kenya, often taking travelers deep into remote areas of the countryWhen traveling to remote locations, far from hospitals and treatment facilities, it’s recommended to have a policy with high medical coverage.

Medical coverage is broken down into two main components, Emergency Medical and Medical Evacuation .

The Emergency Medical benefit covers the costs of medical treatment in the event of an illness or injury during their trip. If a traveler gets sick or injured while in Kenya, this benefit can cover physician services, ambulance expenses, and other costs of treatment. Given the potential high costs of treatment, we recommend a policy of at least $100,000 in Emergency Medical coverage.

The Medical Evacuation benefit can transport a traveler to the nearest adequate hospital in the event of a medical emergency. For example, if a traveler experiences an emergency while on a safari, this benefit can cover the costs of an evacuation. Due to the significant costs of an emergency evacuation, we recommend Kenya visitors find a policy with at least $250,000 in Medical Evacuation coverage.

Kenya Delay Coverage

While Kenya is home to one of Africa’s busiest airports, many tourists still may need to take a multi-leg journey to reach their destination. With that said, many comprehensive travel insurance policies offer protection for travelers that experience delays that impact their trip.

With the Travel Delay benefit, travelers can get reimbursed the cost of food and accommodations expenses incurred during a delay. A policy’s Missed Connection benefit can also reimburse travelers if a delay causes travelers to miss a connecting flight on route to or from their destination.

In addition, most comprehensive travel insurance policies come with both Baggage Delay coverage and Baggage & Personal Items Loss protection. Both benefits will offer reimbursement to travelers if their baggage gets damaged, delayed, or lost at any point during their trip.

Kenya Travel Insurance Trends and Data

For many, Kenya is the ultimate ‘once in a lifetime’ safari trip, with quintessential African wildlife and scenery on offer all throughout the nation.

Destination Rank: 40

Percentage of Squaremouth Sales: 0.67%

Average Premium: $772.38

Average Trip Cost: $12,850.82

Squaremouth Analytics compares thousands of travel insurance policies purchased pre- and post-pandemic to identify changes and trends in the travel insurance industry.

Helpful Links

• Kenya Tourism
• U.S. Embassy in Kenya

Available Topic Experts for Media:

Squaremouth's destination information is free and available for use within your reporting. Please credit Squaremouth.com for any information used.

Squaremouth's topic experts are on hand to answer your questions. Contact a member of our team for media inquiries about Squaremouth Analytics or to schedule an interview.

Steven Benna, Lead Data Analyst: [email protected]

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Travel Insurance in Kenya

Travel insurance is one of the most popular products in Kenya driven being one of the mandatory requirements before applying for a visa at most foreign embassies and consulates in Kenya.

Among the most commonly covered risks in travel insurance covers for emergency medical expenses overseas, repatriation in case of death, terrorism and hijack, travel delay and cancellation, baggage delay or loss, loss of passport/ID and a number of public liabilities while in the destination country.

Most of the local insurance companies are partnered with international insurance countries to provide travel insurance in Kenya to citizens and foreign residents, this is to increase their reach worldwide and be able to provide assistance to clients worldwide. Among the most international partnerships are MAPFRE, ASSISTENCIA, AXA and several others. While most travellers buy a standalone travel insurance cover, some medical insurance plans have an inbuilt travel insurance e.g. BUPA, AETNA. Before purchasing travel insurance, it is important to check with the embassy/consulate you are applying to, to confirm the accepted insurance companies and the scope of the travel insurance cover that is required. Here is an example of a guideline from one of the European consulates on their travel insurance requirements

What is covered on an international travel insurance policy issued in Kenya?

Travel insurance covers different areas to ensure a comprehensive coverage when travelling to USA/Canada, Schengen countries , Middle East, Asia and even within Africa. In order to save money on your policy, it is advisable to compare cheap online travel insurance policies especially offered by different companies on their portals. In addition, some companies in Kenya also offer customers an online self service portal from where policies are automatically issued upon payment. Different embassies in Kenya have varying requirements on a travel insurance policy but the following risks are covered in most overseas travel insurance policies issued in Kenya:

• Medical Protection this includes: emergency medical related expense, medical transportation and repatriation, in-hospital cash benefit, dental and optical expenses, burial, cremation and return of mortal remains, follow up treatment in your country of residence, terrorism, hostage, hijack and wrongful detention.
• Personal Accident
• Cancellation or curtailment of journey
• Travel Delay
• Personal Liability
• Hijack, hostage or wrongful detention inconvenience
• Luggage delay
• Loss of currency and/or travel credentials
• Emergency travel assistance

Emergency medical expenses

In the case of a medical necessity, the travel insurance company will compensate you in the form of a reimbursement you up to the paramount amount shown schedule benefit and service as shown on the schedule subject to the deductible, if as a result to bodily injury or sickness while on your trip. Necessary covered medical expenses (covered medical expenses are necessary medical assistance and necessities commended by the ministering physician and include the services of a legally qualified physician, charges of ward confinement and use of hospital rooms, cost of anaesthetics including execution, x-ray exams or treatment and lab tests, ambulance services, drugs, medicine, prosthetics and remedial applicability and supplies, emergency dental and/or optical medication for the relief of pain.

Death & repatriation

In case of death during the insured trip or journey, the insurance company will pay tentative to the ceiling shown in the schedule; pay a justifiable figure in regard to funeral, burial or cremation costs in the country where the death has happened or the acceptable amount of returning your body/ashes to your country of usual residence. For some of the cheap travel insurance packages available on the market, this limit might be so small that it does not make sense to the insured.

Personal belongings and luggage, passport ID

If your luggage has been delayed, misdirected or misplaced for somewhat 12 hours, the travel insurance company will refund the amount of acquiring emergency necessary pieces of clothing and personal effects. Written evidence of delay from the transport provider must be provided with any claim along with the original receipt in support of the acquiring of emergency essential pieces of clothing and personal effects.

The insurance company will also reimburse you in respect to accidental loss/destruction to own cash to mean currency notes, and non-refundable accommodation vouchers, prepaid and non-refundable entertainment tickets, the reissuing cost of existing travel tickets, traveller’s cheques, credit cards, visas, passports and vouchers.

Claims will not be paid if the arose from:

• You decline to check your baggage according to the appointed times.
• Delay, hold up, carnage or confiscation by customs staff or other authorities.
• Delayed luggage at your final destination.
• Wear and tear
• Loss or destruction to bonds, stamps, negotiable instruments, manuscripts, deeds, securities of any kind or bullion.
• Any claim not recorded by police or transport carrier immediately and a written police or irregularity affidavit obtained.
• The first USD 50 of every claim.

Delay and cancellation of journey

If the planned and paid for departure of an insured trip or your public movement is deferred for not less than 6 hours or longer if stated in your insurance policy document or cover note due to any cause outside your control, the insurance company will reimburse you for a fair cost incurred for meals, drinks, travel costs, accommodation etc. if your carrier does not offer them. You must give the insurance company the original receipts of all the buys when making a claim. For some of the cheap travel insurance policies, this limit might have a very high excess/deductible that it doesn’t make sense to the insured.

The insurance company will not be responsible for:

• The first 6 hours delay in respect of this benefit.
• For the first USD 12 for each and every claim
• Any costs or expenses incurred for periods exceeding 50 hours for each and every incidence or delay.

If you cancel your paid for scheduled trip or journey before departure due to unexpected or impromptu illness or injury of you, a travelling companion, a member of your immediate family or business associate as allowed by a medical doctor, then the company will reimburse you the non-refundable portions of your travel or lodging arrangement paid by you or which you are legally entitled to up to the policy limit.

Cover is structured between local seller and international insurer, examples

For a overseas travel insurance cover to be effective and ensure that it works seamlessly without inefficiencies, most insurance companies have partnered up with local sellers at the countries of travel outside Kenya to provide immediate emergency assistance.

For example, if you purchase travel insurance with CIC Insurance, you can contact Speciality Assist Limited for the following regions for travel and medical emergencies. With other companies like Jubilee Travel Insurance and AMACO international travel insurance, the provider is MAPFRE, a renown Spanish Insurance Company.

Others like this are Assistencia, AXA PPP and Allianz.

Cover can be bought from agents, brokers, travel agencies, attached to airline ticket etc.

Most overseas travel insurance covers can be easily obtained from insurance agents, brokers, travel agencies or even attached to airline travel tickets. In addition to that most insurance companies have set up online platforms where you can get these insurance directly from them. Other faster and cheaper platforms are the online comparison platforms where you can compare different companies and make a more informed decision in regards to which package best suits you. Although most travel insurance covers can be considered cheap as the premium rates are low, a good commission is still to be won.

Factors that determine the price of cover

The factors that determine the price of travel insurance packages include:

• Duration of visit-the longer the visit, the more you pay, most insurance companies will charge per block of days you will be travelling e.g. 1-8 days, 12-20 days while others charge per single day which tends to be cheaper.
• The level of coverage you choose that is the limit of coverage picked, the more benefits offered by a package the higher the price
• In case you would require coverage when one has got a pre-existing condition.
• In case you opt for the adventure sports, hiking, winter games insurance, this more costly than the standard kind of online travel insurance owing to the fact that such activities are higher risk.
• Destination: Some destinations are more expensive than others owing to the higher cost of services in those destinations e.g. North America is a high cost of living area than Asia so any liability incurred there would cost insurance companies a lot more expenses.

In addition, for travel to some countries that are deemed high risk, the premiums will naturally be loaded for the security factor.

Family, Group & Student Discounts

Most insurance companies will give a discount on travel insurance premiums for families, groups and students. This means that it will be cheaper if you get travel insurance as a group instead of individuals.

Inbound vs Outbound travel insurance

Inbound travel insurance is generally taken by non-residents or immigrants to a foreign country rather than their country of residence for a short term stay or a longer stay. This kind of insurance is usually ideal or visitors to that country or people, who are to stay longer if on other form of visa rather than travel visa.

Outbound travel insurance is the most common of travel insurance and it is taken by the residence of a country when travelling to a foreign country. Most insurance companies offer this kind of travel insurance to their resident members as they travel abroad, this is the most common type of travel insurance sold in Kenya.

Special cover for sports, mountain climbing activities

For the standard online travel insurance, hazardous sports activities are not covered. These include: hunting racing (other than on foot), any organized bodily contact sport, football, rugby, gliding, skydiving/parachuting, rapid rafting, ski jumping, guided glacier walking, mountaineering using ropes, crampons, ice axes or guides and potholing or where you are required to acclimatize to altitude or your participation in underwater diving involving the use of any artificial breathing instruments, unless you have an open water diving certificate or are diving under the supervision of a qualified instructor.

You can enquire to the country of travel if there some insurance companies that offer adventure sports insurance as in Kenya there is none that offers this kind of insurance.

Travel insurance as part of medical insurance?

Most private medical insurance in Kenya offer a travel insurance benefit limit up to a specific limit upon travel. This limit is also subjected to number of days and at what point of travel.

Majority of the medical insurance providers have stated the maximum number of days mostly between 1-to a maximum of 30-45 days of travel as from the day of travel. The coverage is subject to a sublimit and also it is done on reimbursement basis only.

For the insurance company in Kenya to activate this travel insurance aspect of the medical insurance, you will need to inform your medical insurance provider which country you will be going to and for how long.

However, this travel insurance part of the medical insurance doesn’t cover most of the other aspects like travel delay, loss of baggage, ID, passport or public liability during the journey if travelling outside Kenya. It will only cover the emergency medical expenses part of the journey.

Some international overseas companies like AXA, AETNA, BUPA and others offer this type of insurance among their packages.

Common terms and exclusions

Most common exclusions are below, note that the cheaper the overseas travel insurance package, the likelihood of increased lists of exclusions:

• Your participation in motor cycling except as a driver of a motor cycle and/or quad bikes with an engine capacity of 150cc or less.
• Your participation in underwater diving with the aid artificial breathing tools, unless you have an open water diving certificate or are diving under the supervision of a qualified instructor
• Your participation in any hazardous or professional sport
• Consequential loss, loss of enjoyment or financial expense not directly covered in this Policy
• Acute and chronic psychiatric or psychological or emotional illness of any kind.
• The effect and influence of alcohol, drugs, narcotics upon you unless administered by a member of the medical profession
• Flying or air travel of any kind other than: a flight arranged by the assistance company or any fully licensed passenger carrying aircraft but not as a crew member) and not for the reason of doing any trade or technical operation
• Any child born whilst on a journey
• Manual work in connection with a business or a trade
• Any unlawful act committed by you or being dishonest and untruthful with all answers, statements and submissions made.
• Your willful exposure to or active participation in war, invasion, riots and strikes, and any other civil commotion.
• Loss or destruction of, or damage to, any property
• Any person who has attained the age of 81
• You traveling with the intention of emigrating
• You engaging in or taking part in armed forces service or operations
• Your intentional exposure to great danger (except in an attempt to save human life)
• Your participation or taking part in any mining operations.
• Sexually transmitted infection, and Human immunodeficiency virus (HIV) or acquired immune deficiency syndrome (AIDS) or any condition related thereto

DEFINITIONS

For any international travel policy cheap or executive issued in Kenya, the

• “Accident” means a sudden, unexpected, unusual, particular instance which occurs at an unknown time and location, but also including a mishap from the conveyance in which you are traveling.
• “Accidental Injury” means bodily harm caused by an disaster (of external origin) being the plain and sovereign cause in the loss
• “Pre-Existing Condition” means any injury. Sickness or condition of yourself, for which medical advice, diagnosis, cans or treatment was recommended or received with the 180-day period ending on the Effective Date. Conditions are not considered pre-existing if the condition for which prescribed drugs or medicine is taken remains controlled without any change in the required prescription purchased.
• there is present a severe or acute symptom requiring immediate care and the failure to obtain such care could reasonably result in serious deterioration of your condition or place your life in jeopardy
• the severe or acute symptom occurs suddenly and un- expectedly
• the severe or acute symptom occurs while your coverage is in force and during your Trip
• Personal Effects: means spectacles, dentures, purses, wallets, bangles, watches, cameras, rings, necklaces. video cameras, video cameras, mobile phones, cosmetics and other personal effects normally worn or carried on the person
• Physician means a licensed practitioner of medical surgical or dental services acting within the scope of his/ her license. The treating Physician may not be yourself, or a Family Member.
• the severe or acute symptom occurs while your coverage is in force and during your Trip.

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Whether you are travelling for business, to visit loved ones or just to take a break, surprises happen. Travel insurance safeguards travelers from unpleasant surprises that may occur during their journey.

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Buy this product via the SC Mobile app in minutes and pay from any of your SCB current accounts or credit cards

• Convenience of your Travel cover issuances • One-stop shop for your insurance solutions • Review and negotiations on various travel insurance products • Follow up for speedy facilitation/feedback/settlement of claims by the insurance service provider

You will immediately receive your policy documents by e-mail. You will also receive a confirmation sms from Standard Chartered Bank and from Sanlam Insurance

• Emergency Medical and Related Expenses • Pre-Existing Emergency Medical and Related Expenses for business & leisure comprehensive • Accidental Death and Permanent Total Disablement • International Journey Cancellation, curtailment or Extension • Personal Liability • Hijack & Hostage or Wrongful Detention • Luggage Delay or Loss of luggage

• Business Administrative Plan • Leisure Comprehensive Plan • Schengen Plan • Incoming Plan

You can currently purchase under the Leisure and Incoming Travel plans for your family. The coverage per single policy is limited to 2 adults and a maximum of 4 children.

Business Insurance Plan is an enhanced Travel Insurance Plan for individuals travelling from Kenya to other countries for the purpose of business. The scope of cover for this plan is worldwide but excluding the Sanctioned Countries.

Leisure Insurance Plan is an enhanced Travel Insurance Plan for individuals travelling from Kenya to other countries outside the country for the purpose of having fun or leisure. The scope of cover for this plan is worldwide but excluding the Sanctioned Countries.

The Schengen Plan is a Travel Insurance Plan for individuals travelling within the Schengen Countries

The Schengen countries comprises of European states that have officially abolished passport and all other types of border control at their mutual borders. They include Austria, Belgium, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Slovakia, Slovenia, Spain, Sweden, and Switzerland.

The Incoming insurance plan covers travellers from other countries who are travelling into Kenya.

Yes, all the insurance plans currently are limited to persons between the ages of 0 to 69 years.

You will be required to have a copy of your Immigration passport to be able to purchase our Travel Insurance.

Get in touch with Sanlam General ,Standard Chartered’s 24 hour client contact centre or the Service Provider captured on the policy(Medical Services Organization) in case of medical assistance whilst out of the country.

The family rates include cover for you, your travel companion and dependant Children(up to 4 in number)

Please get in touch with Sanlam General Kenya Limited via the contacts [email protected] or 0719035148

A child refers to a dependant under the age of 18 years and share cover free of charge with their parents.

A written police or airline report is required for the checked in luggage.

Yes its covered under the Business and Leisure plan but limited to inpatient medical expenses only.

Yes there are as captured on the policy wording provided by Sanlam.

We have partnered with Sanlam General Insurance Company Ltd who have partnered with Medical Services Organization as their Global Partner.

Terms & Conditions

• Sanlam Travel Insurance Policy

This solution is underwritten by Sanlam General Insurance Company Limited, who are liable for any loss arising out of the insurance products including payment of claims on this product. Insurance products are distributed through Standard Chartered Bancassurance Intermediary Limited (SCBIL), a wholly owned subsidiary of Standard Chartered Bank, and is regulated by the Insurance Regulatory Authority. Standard Chartered Bank Kenya Limited is regulated by the Central Bank of Kenya. Terms and conditions apply.

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Travel Insurance

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What is covered with travel insurance to Kenya?

As standard, our policies cover for  over 50 sports and activities , so you can get up to more on your holiday. We also offer a range of benefits, some of which include:

• Medical expenses and hospital benefit
• Personal accident and liability
• Cancelling and cutting short your holiday
• Abandoning your trip
• Delayed departure
• Accommodation cover
• Personal belongings and baggage
• Personal money, passport and travel documents
• Legal expenses

For more information about what’s covered with travel insurance for Kenya, have a read of our  policy documents here .

Our Coronavirus Travel Insurance is rated Superior by a leading UK Consumer Champion. All of our policies will cover you if you catch Coronavirus.

Good to know

Before you go to Kenya, make sure you have the right travel insurance . Some things to consider are:

• The activities you’re likely to be doing – if you’re planning anything really extreme, we can offer you extra cover with our  adventure and extreme sports policy , if needed
• The cost of your holiday – Sometimes things happen outside of your control, meaning you have to cancel your trip. So it’s reassuring to know that you are able to cover costs
• The cost of your baggage
• Also, don’t forget to check the  latest travel advice for Kenya from the FCDO

We’ve put together some helpful facts, along with some other important information that you might want to know before your trip to Kenya:

Do I need a visa for Kenya?

Yes, as a UK citizen travelling to Kenya you will need to apply for a visa. You can either get your visa on arrival or before you travel; it’s advised that you apply for your visa before you travel to avoid any queues at the airport. For more information about  vists and entry requirements for Kenya, visit the GOV.UK site .

Healthcare in Kenya

Private and public healthcare services are both available in Kenya, however, the facilities can vary quite significantly depending on where you travel to in Kenya. We advise that you make sure you have adequate travel insurance that includes medical conditions before travel, to avoid any costly bills, should anything happen whilst abroad.

It’s also really important to make sure you speak to your GP at least 4 to 6 weeks prior to travel to check whether there are any vaccinations or other preventatives needed.

You can find more information about  healthcare in Kenya here .

Medical & Emergency Assistance in Kenya

If something happens while you’re in Kenya and you need emergency treatment for an illness or injury, we’re here to help.

All travel insurance policyholders have access to our 24-hour medical assistance team .

• Unlimited emergency medical expenses available on Black level policies.
• Based on 2,050 responses, correct as of 22/01/2024

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Kenya Travel Insurance

Safety and travel insurance in kenya.

Health Consideration for Visitors to Kenya

Kenya, in theory, provides public healthcare to its population. Basic primary care is provided to the Kenyans at primary health care centers and dispensaries. Dispensaries are what Americans would call clinics; they are run and managed by registered nurses who are supervised by the nursing officer. These dispensaries provide outpatient services for simple concerns like a cold or flu, common rashes or skin conditions, and other uncomplicated problems. In more complicated cases, patients are referred on to physician care.

Community hospitals are able to provide routine surgical and maternity care, while the most complicated cases are handled at the large public hospitals in Nairobi.

While this public system does exist, Kenyans and expats alike tend to use the private system whenever they can afford it.

Some of the Top Hospitals in Kenya

• The Aga Khan Hospital, Mombasa
• Aga Khan Hospitals
• Gertrude Gardens Children’s Hospital
• Kenyatta National Hospital
• Kijabe Mission Hospital

Private Healthcare in Kenya

In the largest cities, Nairobi and Mombasa, there are well respected, reputable private hospitals and practitioners who provide a high standard of care in most medical cases. However, for complex cases or sometimes just as a personal preference, many expats from the west choose to be evacuated to South Africa or even to the UK.

Paying for private treatment or evacuation out of pocket is prohibitively expensive, and for this reason, selecting a global travel health insurance plan that includes emergency evacuation coverage is a must.

Even before you arrive in Kenya, it is a good idea to use the internet to locate the closest hospital to your home and place of work. Keep their emergency phone numbers and ambulance service number (if it is different) in a safe and obvious place. While there is a public emergency number (999), it will connect you with government-run hospital ambulance services – which are certainly better than not having a number at all, and there will almost always be someone who speaks English.

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Vaccinations Required for Visitors to Kenya

As before any travel abroad, it is important to ensure that your regular common immunizations are up-to-date before your trip. These vaccines, as recommended by the CDC , include MMR, tetanus, diphtheria, and polio as well as an annual influenza (flu) vaccine. Most travel physicians and clinics also recommend hepatitis A and B, typhoid and yellow fever vaccines for travel to this area of the world.

The risk of malaria in Kenya exists, but the size of the risk will depend on where you plan to be. See the CDC’s Kenya recommendations . In addition, other insect-borne diseases such as dengue fever and chikungunya can be avoided by wearing insect repellent with DEET.

A note about Travelers’ Diarrhea: Diseases that come from food and water are still the number one cause of illness in travelers. Travelers’ Diarrhea can come from viruses, bacteria, or parasites, all of which are found in Kenya (and most of the world) and can contaminate food or water. Do your best to consume food from places that serve other westerners.

Is the Water Safe to Drink in Kenya?

Bottled water is widely available is the only guaranteed safe water to drink in Kenya. Even then, make sure you purchase water that is in a sealed bottle and that you avoid using unpackaged straws which can also harbor germs.

Avoid consuming water straight from the taps. If this is the only source available, boil the water and then cool it before drinking.

Common Sense Tips for Staying Healthy and Safe While in Kenya

• Eat and drink food from known sources
• Prevent insect bites by wearing repellent containing DEET
• Avoid animals that are not known to you
• Wash hands frequently and avoid touching your eyes, mouth, and nose whenever possible

Personal and Public Safety in Kenya

The US, Canadian and UK governments all recommend that their citizens traveling to Kenya be vigilant in this country. This is a result of a rise in the number and frequency of terrorist attacks and crime occurring in the country. Areas that require an especially high degree of caution include the cities of Nairobi and Mombasa, as well as the regions bordering Somalia, Ethiopia, and South Sudan.

Tips for Staying Safe While Traveling in Kenya

• Make a copy of your passport and keep it in your luggage; keep a password-protected electronic copy stored online
• Don’t walk on your own at night in the major cities or on empty beaches
• Do not wear jewelry
• Do not carry too much cash with you
• Wear a money belt that fits under your clothes
• Don’t carry a lot of camera equipment especially in the major cities
• Beware of thieves posing as police officers or other conmen
• Choose recommended transportation options
• Plan your route ahead of time and avoid unknown or dangerous neighborhoods

Finding the Right Travel Insurance for Visitors to Kenya

For individuals planning a move or extended travel to Kenya, there are two important things to keep in mind:

• There is likely to be a lack of access to public medical care for foreigners.
• The public healthcare options, if accessible, will most likely be below the standard of care that you expect or feel comfortable using.

Finding the global health insurance plan is a critical part of planning your travel. If you are moving for a job, most employers will provide healthcare insurance as part of a benefits package. Even so, consider a global medical plan if you are working in Kenya, self-employed or staying longer term.

If you will only be working the country short-term or you are simply traveling for pleasure, you will be best served by a travel medical insurance plan .

• Emergency medical, evacuation, repatriation benefits
• Choose between the basic and more extensive coverage
• Meets Schengen visa insurance requirements
• 24/7 worldwide travel and emergency medical assistance

Kenya Travel Warnings and Alerts

Prior to your travel to Kenya, check with your local government for any travel warnings, advisories or updates.

• US Department of State Kenya Travel Warnings
• Read:  Travel Warnings and Alerts Overview

More Travel Medical Insurance Advice for Visitors to:

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Kenya Travel Insurance

Purchase insurance online on the website. Payment by any bank card. The insurance policy will be sent to your email within 3-5 minutes after payment. Valid worldwide electronically or print yourself

The insurance is valid in any country of the world

Any nationality

Insurance is suitable for citizens from any country and with any citizenship

The insurance is valid for people from 1 to 100 year old

Visa & Embassy

Insurance is suitable for submitting documents to the embassy and applying for a visa

The perfect travel health insurance that quickly solves problems of the tourist

The best health insurance for tourists. A single convenient tariff plan that includes all options. Price 1,5 USD for each day of travel

• Coverage of treatment for COVID-19
• Coverage for the treatment of other viral diseases
• Medication provision
• Treatment due to injury
• Calling a doctor
• Examination / doctor's consultation
• Emergency dental care
• Obstetric care until the 27th week
• Outpatient treatment
• Inpatient treatment
• Emergency call
• Calling a taxi to the hospital
• Transportation by medical aviation
• Medical evacuation to the country of residence
• Medical care
• Repatriation of the body to the homeland
• Burial in place
• Monetary compensation as a result of damage to the life or health of third parties
• Monetary compensation as a result of moral damage caused to third parties
• Monetary compensation as a result of damage to the property of third parties
• Transportation after inpatient treatment
• Depositing the deposit necessary for the release of the insured person from arrest

Select your travel details

Enter information about tourists

Make a payment in a convenient to you way

After payment, check your e-mail

How to quickly get a travel medical insurance for visa and travel in 4 easy steps?

Buy travel insurance online. Pay by bank card. The insurance is automatically sent to your email

Payment of travel medical insurance

Calculate the cost of the policy with the online calculator

Pay for insurance online with any bank card

We will send the insurance policy to your email immediately after payment

Specify country and dates of travel to get a price

Insurance details:

Trip duration:

Tourists: 1

Insurance includes:

35,000 USD (deductible 100 USD) , Calm

• 500 000 USD
• 1 000 000 USD
• Student Specially for students
• Work Accredited insurance for work
• Calm Fitness, yoga and pilates
• Extreme Wakeboard, freeride, wrestling
• Sport Competitions, training and camps
• Cruise For cruise ship travel

You must agree to the terms to continue

Trip duration: :

Medical coverage on 35,000 USD (deductible 100 USD) , Calm

Outpatient care, emergency doctor visits, dentistry, prescription drug costs

Enter your first and last name in the Latin alphabet, as in the passport

Trip participants

Tourist No. 1

, complete the purchase

We recommend including additional insurance in the policy

No deductible Deductible is the amount that the client must pay upon the occurrence of an insured event. Example: The hospital fee is $1,000. The deductible under tariff is 100 USD, the client pays 100 USD, and the insurance company pays 900 USD. Thus, the amount is divided between the client and the insurance company in accordance with the terms of the tariff plan.

Trip cancellation any serious injury of unforesseen medical condition that makes you unfit for travel (by order of licensed physician). the death of you or your travelling companion, or the death of a non-travelling family member. strikes or severe weather that result in travel services being unable to operate.unforeseen natural disasters at home or at the destination that make them uninhabitable. a legal obligation such as jury duty or being served with a court order or subpoena., search and rescue operation including evacuation by helicopter. up to 6000m, premium loss of baggage.

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Auras: your globally trusted international insurance provider

We make insurance simple. It is very well established among clients and has received a lot of positive feedback. World famous newspapers, TV channels, bloggers write about us

24/7 customer support

No hidden clauses in the contract

We work all over the world

Apply for cash compensation online without visiting the office

Based on 436 reviews

THE BEST TRAVEL INSURANCE PROVIDER

European Contact Centre & Customer Service

GOLD WINNER 2022

Forbes - Top travel insurance startup's (2022)

36 best european insurance companies (2022), your feedback about auras insurance.

Joseph Petalo

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Frequently asked questions

What is a deductible, is travel insurance required, can i buy an insurance policy when i am already in another country, when does the insurance policy take effect, in what language should i write the information when buying, what should i do if the data is entered incorrectly, how to buy insurance for a child, how to issue an insurance policy for another person, which country should be indicated in the policy if i plan to travel to two or more countries in a row, what should i do if the payment has not gone through, how long does it take to receive the insurance policy after payment, how will the policy be sent, i have not received my policy. what should i do, what to do if an insured event occurs, how is monetary compensation after an insured event carried out, can i buy insurance for one day, is it necessary to buy insurance when flying on a transit flight, select a country and language, write to the director, type of travel.

Please select the type of travel that covers the majority of risks during your trip.

• Running and walking;
• Fitness, yoga and pilates
• Aerobics and aqua aerobic;
• Fishing (except underwater fishing);
• Descent into the cave with an excursion;
• Snorkeling;
• Organized animal riding tours;
• Billiards and bowling;
• Swimming (except diving).
• Weightlifting and bodybuilding;
• Cycling (except road cycling, cycling motocross, cycling track, cycling triathlon, and mountain biking);
• Military and historical reenactments;
• Rowing (kayaking and canoeing);
• Ice skating (except figure skating), sledding (except bobsledding, tobogganing, and skeleton), tubing, snow skates;
• Ball games (football, basketball, American football, rugby, volleyball, and others);
• Tennis (any);
• Roller skating (except rollerblading), scooters, segways (and other self-balancing personal transporter devices);
• Travel as a driver or passenger on ATVs, scooters, mopeds, scooters and motorcycles, snowmobiles;
• Visiting water parks, amusement parks, jumping on a trampoline;
• Water activities (other than those explicitly mentioned in the riskier options), including the use of water bicycles (except aquabikes and jet skis), towed inflatables and parachutes (parasailing), boats and watercraft;
• Recreational organized shooting at specially equipped sites (including archery);
• Water skiing, water motorcycles (aquabike), water tourism including yachting and participation in regattas;
• Alpine skiing and snowboarding on specially equipped or marked tracks (except freestyle);
• Trekking (cross-country hiking without mountaineering equipment) up to 3000 meters above sea level;
• Jeep safari;
• Surfing (including windsurfing and wakesurfing, except skysurfing);
• Sandboarding;
• Unaccompanied animal riding (including horseback riding);
• Sports and ballroom dancing.
• Motor sports on special tracks;
• Arm wrestling;
• Bungee jumping, rope jumping, and other types of bungee jumping;
• Bobsledding and Luge;
• Wakeboarding;
• Cycling (including motocross, road, BMX, track, mountain biking, trials);
• Alpine skiing and snowboarding (including freeride and heliskiing);
• Martial Arts (including all types of boxing and wrestling: boxing, MMA, Muay Thai, kickboxing, and others);
• Paragliding;
• Hot Air Balloon;
• Cliff diving;
• Mountaineering (mountain hiking, rock climbing, mountain biking, trekking (climbing) in mountains above 3,000 meters);
• Participation in any flight and parachuting;
• Hunting with any type of weapon;
• Hang Gliding;
• Parkour and freerunning;
• Rodeo (bull riding);
• Rollerblading;
• Trolley rappelling;
• Street luge racing;
• Flyboarding;
• Freestyle (skiing and snowboarding);
• Pogo-stick;
• Rock and ice climbing;
• Figure skating;
• Kiting (including kitesurfing and snowkiting);
• Scuba diving;
• Underwater fishing;
• Mountainboarding.
• Exacerbation of chronic diseases
• Coverage of the diagnosis of COVID-19
• Compulsory observation for up to 15 days
• Amount of compensation in case of an accident
• Return of adults
• Returning home minor children
• Standart loss of baggage
• Flight delay over 4 hours
• Loss of documents
• Expenses for staying abroad
• Payment of attorney's services
• Payment of interpreter services
• Reimbursement of costs for the preparation of documents necessary for returning to the country of permanent residence
• Reimbursement of losses that led to breakdown or damage of rented / rental sports equipment
• Payment of the cost of telephone communication
• Car transportation to the nearest service station
• Return of the driver and passengers to the country of permanent residence
• Sudden technical breakdown or damage due to a road accident

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Safety is not expensive, it's priceless!

Insurance plans starting at just 1,5 USD per day

No medical checkup required

Pre-existing coverage available

Instant Policy Issuance

Medical expenses, Trip cancellation/delay, Loss of baggage & Passport etc.

24x7 claims support

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  Travel Insurance

Take us with you, travel insurance, related products.

What is the Travel Insurance?

Travel anywhere in the world, we provide 24-hour cover for medical expenses and assistance, travel delay or flight cancellation, personal accident, loss of passport, total loss of baggage that has been checked in international airline, loss of money, personal civil liability and hijacking.

PICK A PLAN TO PROTECT YOUR TRIP

We'll take care of upfront payments of eligible medical expenses,

We'll provide you with:

• Comprehensive medical emergency coverage up to kes 5 million
• 24/7 emergency assistance worldwide
•      Couple and family coverage available for trips of 180 days or less
•        Flight cancellation
•         Medical Expenses
•         Medical Transportation
•         Repatriation and Evacuation
•         Burial, Cremation and Repatriation of Mortal Remains.

Buy your travel insurance cover online

Motor Vehicle Insurance

Protects your vehicle in case of an accident or breakdown

Personal Accident

Protects individuals in the event of an injury, disability or death.

Home Insurance

A policy that protects your home and its contents

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// Individual

Travel insurance.

A short-term policy covering medical expenses and financial losses that could arise while you are away from home on a trip, whether business or recreation

First Kenya Travel Cover and Assistance Benefits

Depending on the option/plan you choose, we offer:

• Medical & emergency assistance including Covid-19
• Emergency medical evacuation in case of illness or accident
• Emergency dental care
• Repatriation of mortal remains
• Repatriation of family member travelling with the insured
• Emergency return home following death of close family member
• Travel of one immediate family member for compassionate emergency visit
• 24 hours personal assistance services for medical, legal, pre-departure, general, informational, delivery of medicine & hijack in public means of transport incidences
• Loss of Passport, driving license or national identity card abroad replacement expenses
• Compensation for in-flight loss or delay of checked-in baggage.
• Location and forwarding of baggage and personal effects.
• Personal accidents cover
• Personal liability assistance like advance of legal bail, civil liability, legal defense abroad
• Cancellation or curtailment related costs
• Losses and delays arising from departure, missed connections.

First Kenya Travel Protect Scope and Plans

• Plan Africa
• Europe Basic Plan
• Europe Plus Plan
• Worldwide Basic Plan
• Worldwide Silver Plan
• Worldwide Gold Plan
• Student Plan
• Corporate Plan

Policy Cancellation

Contact First Assurance prior to policy start date for any cancellation and provide requested information.

Head office

First Assurance House, Clyde Gardens, Gitanga Road, Lavington

• – Complaints: [email protected]
• – Customer enquiries: [email protected]
• – Medical claims: [email protected]
• – General Claims: [email protected]
• – Medical underwriting: [email protected]
• – General underwriting: [email protected]
• +254 709 544 000
• +254 722444117
• (0) 20 290 0000

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Travel Insurance

Travel Insurance Policy covers an individual or group against unforeseen accidents and incidents while traveling to foreign countries.

Travel Insurance Policy covers an individual or group against unforeseen accidents and incidents while traveling to foreign countries. Scope of cover includes:- Medical insurance, losses and delays, personal accident, cancellation & curtailment among other benefits.

The increase in international travel has meant that risks associated with it have grown. This coupled with the high cost of medical care abroad has made travel insurance vital for any traveller.

GA Insurance has signed a partnership with MAPFRE ASISTENCIA, one of the largest providers of worldwide travel insurance, to provide Travel Insurance to its valued customers.

Our GA Travel Smart cover offers 24 hours emergency medical assistance and various other useful benefits at an affordable cost! Thanks to the wide network of medical providers of our partner, MAPFRE ASISTENCIA, we guarantee our clients the best and most complete assistance with continual follow up.

Every option is just for you

Choose from a variety of travel insurance packages expertly designed to cover individuals and families on continental and globe travel

Inbound Travel Insurance

Outbound travel insurance, student travel insurance, corporate travel insurance, domestic travel insurance.

• medical transportation or repatriation
• personal accident cover
• medical expenses abroad
• delays or cancellation cover
• lost luggage cover
• 24/7 helpline
• quick online claims
• fast payments
• liability to third parties
• occupational accidents

Customer testimonials

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customer testimonials

Appreciating Martin Mbijiwe for exceeding TAT for my Car Claim Settlement. Kudos! Thank you very much for the great customer service!

Catherine Mbusya,

Christopher Kibuchi

My captioned client was here and he had very nice words to say about GA Kisumu. He recently had a windscreen accident and since he was in Kisumu, I requested him to visit your offices for assistance. He says he was received very well and everything

Have some questions about Travel Insurance? Take a look below.

How and when to report claim?

Report immediately or as soon as possible by calling, email or through your agent and brokers.

How long will my claim take to be settled?

This depends on timely and proper documentation of the claim. The claim will take on average 7 working days to be settled if fully and properly documented

What documents should I provide when lodging a claim?

The following documents will form part of the documentation; a. Filled Motor Claim Form, b. Police Abstract report and c. Copy of Drivers Driving License.

GA Insurance Blog

The Game Changer-Magazine interview

Over the course of three years beginning 2017, Kenya’s insurance industry has become a tough tide to pierce through. Insurance firms’ profits dropped to 61 per cent in 2018, to $33.7 million from $87.7 million recorded in 2017.

GA Insurance Basic Guide to Business Insurance Cover in Kenya

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With your consent, you will enable us serve you better as we collect your data and process the same in accordance with data protection law. By clicking on the link below, you acknowledge receipt of our information on data protection in accordance with the Data Protection Act 2019, Kenya and the privacy statement that may apply to you locally. We attach great importance to the confidentiality and integrity of your data. By applying for insurance cover or any other services, you are deemed to have given consent to handling and processing of your personal data.

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Travel Insurance

Don’t just travel… Travel smart and ensure your safety is well prioritized.

Emergency Medical expense & hospitalization while on a trip abroad.

Emergency medical evacuation in case of illness or accident.

Repatriation of family members travelling with the insured.

Repatriation of mortal remains.

Emergency return home following the death of a close family member

24 hour Personal Accident cover.

Loss & Delays. Loss of passport, driving license, national ID card abroad, checked-in Baggage and delay in the arrival of luggage and in departure.

Need more information?

For enquiries and advise on Bancassurance, contact our bancassurance team on [email protected] or enter your detail on the contact form below and one of our representatives will get back to you as soon as possible.

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Next of kin details, card details, employment /income details, for salaried individuals only, for self employed individuals only, financial details and referees, attachments for salaried individual, attachments for self employed, are you interested.

• Nearest Branch Select Branch Kenyatta Avenue 2nd Ngong Avenue Sarit Centre Biashara Street Nyerere Industrial Area Kisumu Karen Connection Panari Centre Parklands Wilson Airport Ongata Rongai South C Nyali Cineplex Langata Link Valley Arcade Branch Eldoret Nakuru Branch Riverside Branch Kisii Changamwe Branch Malindi Nyeri Thika Branch Village Market Lavington Mall Kitale Lunga Lunga Yaya Centre Gateway Mall Ruaraka Milele Mall Cross Road Nanyuki Spring Valley Meru Eldama Park Dunga Road Ridge Court Haile Selassie

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Travel Insurance

There are good reasons to consider travel insurance from aig.

Tailored to meet all needs of students, groups, individuals, and corporate business travellers.It covers accidental injuries, medical expenses, loss of personal effects and travel delays; hijackings, personal liability and legal expenses.

Benefits of travelling with AIG

Emergency Medical Cover

Affordable Prices

Cover for Loss of Baggage

Worldwide Coverage

Who's it for?

Our travel insurance covers all kinds of travellers;

• Business Travellers
• Student Travellers
• Leisure Travellers

www.flydoc.org

Travel Insurance Policy.

Cover summary.

This is a 24 hour policy that cover sudden and unexpected risks associated with temporary travel abroad. Travelling is not without risks more so if you you are planning for a trip abroad. To protect you from these risks, we have come up with cheap and flexible travel insurance plans. Some of the risks covered include but not limited to, flight delays, baggage loss and medical expenses.

We understand you may be travelling to different destination for different reasons. Therefore, we have come up with various tailor-made travel insurance plans that suit your needs. If you are travelling to Africa you can buy Africa basic or Africa plus plan. For those travelling to Asia you can buy Asia basic or Asia plus plan. Further If you are planning to travel to Europe you can get Europe Basic, Europe plus or Europe Extra.  Similarly for those travelling to other parts of the world we have worldwide basic, worldwide plus and worldwide extra for you. Finally for our students they can buy either student classic or student premium plans.

Risks that are covered

• Baggage Loss
• Personal Accidents
• Personal Liabilities
• Flight delays or cancellation
• Medical assistance
• Trip curtailment
• Emergency assistance

Who can be Covered by our travel insurance 

• Any person Between 3 months and 80 years old.
• Kenyan citizens and permanent residents.
• People travelling abroad.
• Individuals travelling on business trips, on vacations and students travelling abroad.

Emergency Call Numbers

We understand when travelling outside you can have an emergency . For any assistance please send email to [email protected]

• Travel Insurance Frequently asked questions
• Get Travel insurance Quote

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Travel Insurance

Enjoy a carefree travel experience.

There's nothing quite like the comfort of knowing you have Jubilee Insurance by your side as you travel. With Jubilee travel insurance, you can embark on your travel adventures with peace of mind. Whether you're visiting loved ones overseas or embarking on a solo adventure, our comprehensive Travel Insurance provides the coverage you need for a worry-free trip.

Why choose our Travel Insurance plan?

• With the Per Trip Plan, you can enjoy various benefits, including upfront payment of eligible medical emergency expenses. This coverage ensures that you are protected against unforeseen medical expenses, trip cancellations, or delays, preventing any disruptions to your trip.

Key Benefits

Couple and family coverage options

24-hour worldwide emergency assistance

Medical coverage up to Kes 5 million

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