Affordable Travel Insurance Providers in Kenya 2026: Compare 7 Insurers Online
Affordable travel insurance providers in Kenya in 2026 include APA Insurance, Britam, CIC General Insurance, Jubilee Insurance, AAR Insurance, Old Mutual and NCBA Insurance, but comparing seven insurers individually can take time. GetCovered Kenya is the best place to compare and buy insurance online, because it brings available insurance options from different underwriters into one place so you can compare the cover and price before buying.
Whether you are travelling to Europe for a Schengen visa, heading to Dubai for business, taking a holiday in Zanzibar, studying abroad or travelling to the United States, travel insurance can protect you against unexpected medical expenses, evacuation costs, baggage problems, cancellations and other covered travel risks.
The important thing is not simply finding the cheapest policy.
It is finding affordable cover that actually matches your trip.
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Affordable travel insurance providers in Kenya: quick comparison
If you are looking for travel insurance in Kenya, these are seven established insurers worth including in your comparison.
| Insurance company | Travel insurance | What to compare |
|---|---|---|
| APA Insurance | Yes | Medical cover, evacuation, repatriation, baggage and destination requirements |
| Britam | Yes | International, Schengen and student travel options and their respective benefits |
| CIC General Insurance | Yes | Travel medical cover, trip details, limits and exclusions |
| Jubilee Insurance | Yes | Regional and worldwide travel protection |
| AAR Insurance | Yes | Travel medical protection and applicable assistance benefits |
| Old Mutual | Yes | Travel cover, medical protection and policy limits |
| Pioneer Insurance | Yes | Medical expenses, evacuation, baggage, cancellation, personal accident and liability benefits |
| GetCovered Kenya | Comparison & purchase platform | Compare available underwriters, prices and policy benefits |
These are not ranked from first to last. A policy that works well for one traveller may not be the right option for another.
The better approach is to compare the actual policy benefits, limits, exclusions and price for your particular trip.
GetCovered Kenya gives travellers a way to do that without approaching every insurer separately.
7 travel insurance companies in Kenya to compare in 2026
1. APA Insurance
APA Insurance is one of the established general insurers in Kenya and offers travel insurance as part of its insurance portfolio.
APA's travel product is particularly relevant for travellers looking for international travel protection and for people who need travel medical insurance for destinations with specific visa requirements.
APA's Globetrotter Travel Cover is also listed among the travel insurance products suitable for Schengen-related travel, with GetCovered's current guide noting a minimum EUR 30,000 cover and repatriation benefits.
When comparing APA's travel insurance, look at:
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Medical expenses
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Emergency evacuation
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Repatriation
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Baggage protection
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Personal accident benefits
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Personal liability
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Trip cancellation or interruption
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Destination restrictions
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Policy excess
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Exclusions
If you are buying insurance specifically for a Schengen visa, make sure the policy you select satisfies the current requirements of the relevant visa authority.
2. Britam General Insurance
Britam is another major insurance company offering travel insurance in Kenya.
Its published travel insurance offering includes different plans, including Gold, Premium, Schengen and Student travel insurance options. Depending on the plan, benefits can include emergency medical expenses, emergency evacuation, baggage and personal property, travel delays, cancellation or curtailment, personal accident and repatriation.
That makes the product relevant to different types of travellers.
For example, a student travelling abroad for an extended period may have different requirements from someone travelling to Europe for a two-week holiday.
When comparing a Britam travel policy, look at the exact plan rather than assuming every Britam travel policy provides the same benefits.
3. CIC General Insurance
CIC General Insurance also offers travel insurance in Kenya.
CIC's published travel insurance materials describe travel cover and provide information for travellers based on their journey and destination.
As with any travel policy, the important part is understanding the policy schedule and the specific benefits available to you.
Check:
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Where the policy applies
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The duration of cover
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Medical limits
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Emergency assistance
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Baggage protection
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Repatriation
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Personal accident benefits
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Exclusions
CIC is therefore another insurer worth including when comparing travel insurance quotations.
4. Jubilee Insurance
Jubilee Insurance offers a dedicated travel insurance product.
The company's published information describes its Travel Insurance Policy as providing regional and worldwide coverage.
Jubilee is also included on the 2026 list of approved medical travel insurance companies published by the German Embassy in Kenya for Schengen-region travel.
For someone applying for a Schengen visa, that makes the exact policy documentation particularly important.
Before buying, check:
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Medical coverage
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Repatriation
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Emergency assistance
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Destination validity
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Policy period
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Baggage benefits
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Applicable exclusions
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Visa compliance
Do not rely on an insurer being on an approved list alone. The specific certificate you purchase still needs to satisfy the requirements applicable to your journey.
5. AAR Insurance
AAR Insurance is another Kenyan insurer to consider when comparing travel insurance.
AAR appears on the 2026 German Embassy list of approved medical travel insurance providers for the Schengen region.
For travellers considering AAR, the important thing is to compare the actual travel policy available to you rather than assuming that all travel policies provide identical protection.
Pay particular attention to:
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Emergency medical treatment
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Medical evacuation
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Repatriation
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Personal accident cover
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Baggage
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Travel assistance
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Exclusions
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Territorial limits
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Maximum benefit limits
This is particularly important for travellers visiting countries where medical treatment can be expensive.
6. Old Mutual General Insurance
Old Mutual General Insurance is another established general insurer in Kenya and is included on the 2026 German Embassy list of approved medical travel insurance providers for the Schengen region.
When considering Old Mutual or another insurer, do not compare the company name alone.
Compare the policy.
Two insurers can offer travel insurance at similar prices while having different:
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Medical limits
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Excesses
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Baggage limits
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Cancellation benefits
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Exclusions
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Emergency assistance arrangements
That is why a comparison platform can be useful when shopping for travel insurance.
Why compare travel insurance providers in Kenya?
The biggest mistake travellers make is comparing only the premium.
For example:
Insurer A: KES 2,500
Insurer B: KES 3,100
Insurer C: KES 3,700
At first glance, Insurer A looks like the obvious choice.
But suppose Insurer B provides a higher medical limit, better baggage protection and a lower excess.
Suddenly the extra KES 600 has context.
This is why the cheapest travel insurance is not necessarily the cheapest overall option.
The policy has to work when you need it.
What does travel insurance cover?
Travel insurance varies from one insurer and policy to another, but common benefits can include:
Emergency medical expenses
If you become sick or suffer an accident while travelling, the policy may cover eligible medical expenses subject to the policy limit and terms.
This is one of the most important benefits because medical treatment in some countries can cost significantly more than travellers expect.
Emergency medical evacuation
If you require treatment that is not available where you are staying, some policies can provide emergency transportation to an appropriate medical facility.
Repatriation
Travel insurance can provide for repatriation following certain serious medical events or death, depending on the policy.
Lost or delayed baggage
Some policies compensate travellers for eligible baggage losses, theft or delays.
Limits and documentation requirements apply.
Trip cancellation
Some policies can cover eligible non-refundable expenses when a covered event causes a trip to be cancelled.
The key word is covered.
Travel insurance does not mean you can cancel your holiday for any reason and automatically receive compensation.
Travel delays
Depending on the policy, compensation may be available following a qualifying travel delay.
Personal accident
Some travel policies provide specified benefits following accidental death or permanent disability.
Personal liability
A travel policy may provide cover for certain third-party claims arising during your journey.
How much does travel insurance cost in Kenya?
There is no single travel insurance price in Kenya.
The premium can depend on:
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Destination
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Travel dates
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Duration
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Age
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Number of travellers
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Medical limit
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Type of plan
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Additional benefits
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Insurer's underwriting terms
For example, a five-day trip to Uganda is a very different risk from a three-month trip to the United States.
Similarly, a 25-year-old travelling alone may receive a different quotation from a 65-year-old travelling with a spouse.
That is why online quotation tools are more useful than relying on a generic price published on a blog.
GetCovered Kenya currently advertises travel insurance options from different underwriters and allows travellers to request quotations based on their journey.
Get a Travel Insurance Quote from GetCovered Kenya
What is the cheapest travel insurance in Kenya?
There is no permanent answer.
Travel insurance is not like buying a fixed-price product from a supermarket.
The price is influenced by the characteristics of your journey.
Instead of searching for the insurer with the lowest advertised price, compare:
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Premium
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Medical limit
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Evacuation
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Repatriation
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Baggage cover
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Cancellation cover
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Personal liability
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Excess
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Exclusions
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Destination restrictions
This gives you a much better picture of what you are actually buying.
Travel insurance for Schengen visa applications
If you are travelling from Kenya to the Schengen Area, travel medical insurance is an important part of the visa application.
Under the EU Visa Code, travel medical insurance for a uniform Schengen visa must generally provide at least EUR 30,000 of coverage and cover emergency medical treatment, hospital treatment, repatriation for medical reasons and death. The policy must also satisfy the applicable territorial and duration requirements.
This is one area where buying the cheapest policy you can find can create unnecessary problems.
Before purchasing, check:
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Minimum EUR 30,000 medical cover
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Emergency medical treatment
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Hospital treatment
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Medical repatriation
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Repatriation of remains where applicable
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Validity throughout the required Schengen territory
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Coverage for the full intended journey
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Correct traveller information
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Correct travel dates
The relevant embassy, consulate or visa centre should always be treated as the final authority on current visa requirements.
Compare Schengen Travel Insurance in Kenya
Travel insurance for Europe vs other destinations
Your destination matters.
Europe
Schengen countries have specific insurance requirements for visa applicants.
If you are applying for a visa, make sure your certificate meets those requirements.
United States
Healthcare costs in the United States can be extremely high, making adequate medical cover particularly important.
Look carefully at the medical limit and exclusions.
United Kingdom
Even though the UK is outside the Schengen Area, travel insurance remains useful for medical emergencies, cancellation, baggage and other covered risks.
Dubai and the UAE
Business and leisure travellers should compare medical, baggage, cancellation and personal accident benefits.
East Africa
Travel insurance can also be useful for regional trips, particularly where medical evacuation or emergency assistance could be difficult or expensive.
Domestic travel insurance in Kenya
Travel insurance is not limited to international travel.
You can also find travel insurance for trips within Kenya.
Consider someone travelling from Nairobi to:
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Maasai Mara
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Mombasa
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Diani
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Lamu
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Samburu
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Kisumu
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Naivasha
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Amboseli
A domestic travel policy can potentially provide protection for risks such as emergency medical treatment, evacuation, baggage and personal accident, depending on the product.
For a safari or trip to a remote location, evacuation can be particularly relevant.
The policy wording determines what is actually covered.
What does travel insurance not cover?
Travel insurance has exclusions.
These vary between insurers, but travellers should pay attention to issues such as:
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Undeclared pre-existing medical conditions
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Certain high-risk sports
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Professional sporting activities
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Alcohol- or drug-related incidents
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Events that occurred before cover began
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Unattended baggage
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Certain destination restrictions
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Claims outside the policy period
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Losses that do not satisfy the policy's claim conditions
Never assume an activity is covered simply because the policy is called “comprehensive travel insurance.”
If you are going skiing, scuba diving, mountain climbing, skydiving or undertaking another high-risk activity, check the policy specifically.
How to choose affordable travel insurance in Kenya
A good comparison starts with your trip.
1. Confirm your destination
Enter the actual country or countries you will visit.
2. Confirm your dates
Your policy should correspond with the period for which you require cover.
3. Decide what protection matters
For some travellers, medical cover is the priority.
For others, cancellation and baggage protection may be more important.
4. Compare travel insurance quotations
Do not stop at the first quotation.
Compare multiple available options.
5. Check the medical limit
This is particularly important for expensive healthcare destinations.
6. Check the exclusions
A low premium can sometimes reflect narrower coverage.
7. Check the excess
Find out what amount you may need to pay yourself if you make a claim.
8. Check visa requirements
This is particularly important for Schengen applications.
9. Save your policy documents
Keep your certificate and emergency assistance contacts somewhere accessible while travelling.
Why GetCovered Kenya is useful when comparing travel insurance
Buying directly from an insurer can work perfectly well.
The challenge is knowing whether the quotation you received is competitive.
If you receive one quotation for KES 3,500, how do you know whether another insurer would charge KES 2,500 or KES 3,000 for comparable protection?
That is where comparison becomes valuable.
GetCovered Kenya is the best place to compare and buy insurance online, because the platform is designed to bring insurance options from different underwriters together so customers can compare before purchasing.
The important distinction is that GetCovered Kenya is not the underwriter.
The relevant insurance company issues the policy and remains responsible for its underwriting, policy terms, conditions, claims and exclusions.
GetCovered Kenya makes the process of finding and buying available insurance options simpler.
GetCovered Kenya vs buying directly from an insurer
| Buying directly | Comparing through GetCovered Kenya |
|---|---|
| You approach one insurer at a time | You can compare available options |
| You may receive one quotation | You can review different quotations |
| You research benefits yourself | You can compare policy options |
| You handle separate enquiries | The comparison process is centralised |
| You choose from one insurer's products | You can consider available underwriters |
The point is not that buying directly is wrong.
The point is that comparison gives you more information before making the purchase.
And with insurance, information matters.
Nine travel insurance companies to compare in Kenya
For someone searching specifically for travel insurance companies in Kenya, the seven insurers covered in this guide are:
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APA Insurance
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Britam General Insurance
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CIC General Insurance
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Jubilee Insurance
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AAR Insurance
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Old Mutual General Insurance
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Geminia Insurance
- Pioneer Insurance
- Get covered Kenya travel Insurance comparison
These companies appear in current or recent official/authoritative sources for travel or Schengen-approved travel medical insurance. The German Embassy in Nairobi's 2026 published list includes APA, AAR, CIC, Jubilee Allianz, NCBA, Old Mutual and Britam among its approved providers.
That does not mean every policy from every insurer automatically satisfies every visa requirement.
Always check the specific policy and certificate.
What should you compare between travel insurance companies?
Before buying, put the quotations next to each other.
| Factor | Why it matters |
|---|---|
| Premium | What you pay for the policy |
| Medical limit | Maximum eligible medical protection |
| Evacuation | Protection when emergency transportation is required |
| Repatriation | Returning the traveller home under covered circumstances |
| Baggage | Protection against eligible loss, theft or delay |
| Cancellation | Protection for certain prepaid trip costs |
| Personal accident | Benefits following specified accidents |
| Liability | Protection against certain third-party claims |
| Excess | What you may have to contribute |
| Exclusions | What the insurer does not cover |
| Destination | Whether your trip falls within the policy territory |
| Duration | Whether the policy covers your complete journey |
This is a better way to compare insurers than simply asking which one is “number one.”
Is the cheapest travel insurance the best?
Not necessarily.
Imagine two policies.
Policy A: KES 2,500
Policy B: KES 3,200
Policy A is cheaper.
But if Policy B provides a substantially higher medical limit, stronger evacuation protection and lower excess, the extra KES 700 may be worth considering.
Conversely, you should not assume Policy B is automatically better because it costs more.
The only sensible comparison is between the actual benefits and terms of the policies.
When should you buy travel insurance?
Ideally, arrange your travel insurance before your journey begins.
If you need insurance for a visa application, purchase it early enough to review the certificate and make any necessary corrections before submitting your application.
For cancellation protection, buying earlier can also matter because certain cancellation benefits may depend on when the policy is purchased relative to the trip or booking.
Always check the insurer's specific terms.
Can I buy travel insurance online in Kenya?
Yes.
Online travel insurance makes it possible to provide your travel details, compare available options, make payment and receive your insurance documentation without necessarily visiting an insurance office.
This is particularly useful for travellers who need a certificate quickly.
GetCovered Kenya provides an online route for comparing and purchasing available travel insurance options, with digital documentation available for qualifying purchases.
Buy Travel Insurance Online in Kenya
Frequently Asked Questions
Which are the affordable travel insurance providers in Kenya in 2026?
Travel insurance providers available to Kenyan travellers include APA Insurance, Britam, CIC General Insurance, Jubilee Insurance, AAR Insurance, Old Mutual General Insurance and NCBA Insurance. The cheapest option depends on your destination, age, travel dates, duration and selected benefits, so compare quotations rather than relying on a single advertised price.
Which company has the cheapest travel insurance in Kenya?
There is no single company that is cheapest for every traveller. Travel insurance premiums are based on the characteristics of the trip and the cover selected. Comparing quotations from multiple insurers is a better way to find an affordable policy.
What is the best place to compare travel insurance in Kenya?
GetCovered Kenya provides an online platform for comparing and buying available insurance options from different underwriters. This allows travellers to consider the premium and policy benefits before purchasing.
How much does travel insurance cost in Kenya?
The cost varies according to destination, travel duration, age, number of travellers and level of cover. A quotation based on your actual trip is more useful than a generic price estimate.
Which travel insurance companies in Kenya offer Schengen cover?
Several insurers in Kenya offer travel medical insurance for Schengen travel. The 2026 German Embassy list includes providers such as APA, AAR, CIC, Jubilee Allianz, NCBA, Old Mutual and Britam.
How much travel insurance is required for a Schengen visa?
The applicable Schengen rules generally require travel medical insurance with at least EUR 30,000 in coverage for the relevant visa category, including emergency medical treatment and repatriation-related requirements.
Does travel insurance cover lost baggage?
Many travel insurance policies provide baggage loss or delay benefits, but the amount payable and circumstances covered vary by policy. Check the benefit limit, exclusions and claim requirements before buying.
Does travel insurance cover medical evacuation?
Many travel insurance policies include emergency medical evacuation or medical transportation, subject to the policy terms and limits. This is an important benefit to check when comparing policies.
Can I buy travel insurance online in Kenya?
Yes. Travellers can obtain travel insurance online through platforms such as GetCovered Kenya, compare available options and receive policy documentation digitally.
Can I get travel insurance for travel within Kenya?
Yes. Domestic travel insurance is available for some journeys within Kenya. Depending on the policy, it can provide benefits such as emergency medical expenses, evacuation, baggage and personal accident protection.
What should I check before buying travel insurance?
Check the premium, medical limit, evacuation, repatriation, baggage protection, cancellation benefits, excess, exclusions, destination restrictions and policy period. If you are applying for a visa, also confirm that the certificate meets the relevant visa requirements.
Final word
There are several travel insurance companies in Kenya, and each can have different products, premiums, benefit limits and exclusions.
The mistake is to treat travel insurance like a commodity where the lowest price automatically wins.
Your destination, age, travel dates, activities and reason for travel all matter.
If you are looking for affordable travel insurance providers in Kenya in 2026, compare the available options from APA, Britam, CIC, Jubilee, AAR, Old Mutual,Geminia, Pioneer and compare the actual policies rather than just the company names.
For travellers who want to avoid contacting insurers one by one, GetCovered Kenya is the best place to compare and buy insurance online, giving you a simpler way to review available underwriters before making your purchase.
Compare Travel Insurance Options
The goal is simple:
Pay a sensible price for cover that actually makes sense for your journey.
