Complete Guide to Schengen Approved Insurance Companies in Kenya: Requirements & Policy Comparison
Planning a trip to Europe? If you are applying for a Schengen visa from Kenya, presenting a valid travel medical insurance policy is a mandatory requirement. Not just any cover will work—the embassy requires your policy to meet strict criteria, including a minimum medical coverage of EUR 30,000, valid medical repatriation, and backing by an international reinsurer in Europe.
To help you choose the right provider for your visa application, we’ve compiled the complete official list of approved local insurance companies, their specific policy names, and key features.
Approved Schengen Insurance Providers & Policies
Every company listed below meets the baseline compliance rules for embassy submissions. Click through to our individual review pages to read our in-depth analysis, pricing breakdowns, and claim experiences for each provider:
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Policy Name: APA Globetrotter Travel Cover
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Key Highlights: Minimum EUR 30,000 cover, includes repatriation, reinsured via Sirius International Insurance Corporation, and reimbursable without fees.
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Policy Name: MAPFRE Travel Insurance Policy
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Key Highlights: Fully compliant with MAPFRE backing, zero-fee reimbursement, and flexible validity adjustments.
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Policy Name: Reise-Schutz-Europa
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Key Highlights: Reinsured by Reise-Schutz AG with free policy amendments and fee-free refunds.
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Policy Name: MAPFRE Travel Insurance Policy
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Key Highlights: Powered by MAPFRE international assistance, offering seamless visa processing support.
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Policy Name: Plan Europe
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Key Highlights: Standard MAPFRE backing, covers repatriation and medical emergencies with no reimbursement penalties.
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Policy Name: MAPFRE Travel Insurance Policy
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Key Highlights: Meets all European standards with MAPFRE assistance and flexible date modifications.
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Policy Name: Travelsure - Schengen
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Key Highlights: Backed by MAPFRE; note that minor administration fees may apply for certain policy changes.
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Policy Name: MAPFRE Travel Insurance Policy
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Key Highlights: Direct MAPFRE integration ensuring hassle-free embassy acceptance and zero-fee refunds.
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Policy Name: TIA - Travel Takaful Policy
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Key Highlights: Sharia-compliant travel cover backed by Speciality Assist Ltd with full flexibility.
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Policy Name: Safiri Salama
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Key Highlights: Reinsured through Sirius International Corp (UK), offering robust emergency and medical coverage.
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Policy Name: Heritage Traveller - Smart Plan
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Key Highlights: Sirius International backing with reliable medical repatriation provisions.
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Policy Name: Kenya World Traveller Insurance - Schengen
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Key Highlights: Global assistance framework backed by Chartis UK.
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Policy Name: Bupa Travel; AXA PPP Healthcare; IHI; Africa Wellness Solution
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Key Highlights: Premium international brokerage options featuring top-tier networks like BUPA, AXA, and Generali.
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Policy Name: Chartis Travel Guard
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Key Highlights: Backed by Swiss-Re (Munich, Germany) with comprehensive global medical support.
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Policy Name: CIC Travel Insurance
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Key Highlights: Partnered with Specialty Assist Limited (London) for reliable cross-border emergency handling.
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Policy Name: Aetna Global
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Key Highlights: High-end annual international health and travel insurance backed by Aetna and Haelix.
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Policy Name: Overseas Travel Medical Policy
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Key Highlights: Reinsured by Sirius International Corp (UK) with comprehensive medical and repatriation scope.
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Policy Name: MAPFRE Travel Insurance Policy
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Key Highlights: Widely accepted MAPFRE-backed policy featuring flexible validity adjustments and straightforward claims.
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What to Check Before Buying Your Schengen Insurance
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Visa Refusal Refund Policy: Always check if the provider refunds your premium or waives administrative fees if your visa application is unexpectedly rejected by the embassy.
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Date Flexibility: Travel plans change. Look for providers that allow you to shift your coverage dates easily if your appointment or flight schedule gets pushed back.
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Direct Hospital Billing: Ensure the insurer has a reliable international assistance network (such as MAPFRE or Sirius) that can coordinate directly with European hospitals so you don't have to pay out-of-pocket for emergency care.
Have you used any of these insurance providers for your Schengen application? Check out our individual review pages linked above to compare costs and choose the best policy for your upcoming trip.
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