Planning a trip from Kenya? Comparing travel insurance before you buy can help you understand the differences between available plans, premiums, medical limits, exclusions and additional benefits.

Travel insurance policies can look similar at first glance, but the protection they provide can vary significantly. A lower premium may come with lower benefit limits or fewer covered events, while a more comprehensive policy may provide broader protection at a higher cost.

Travel insurance comparison gives you a way to look at the available options side by side and choose cover based on your destination, trip duration, activities and personal requirements.

With GetCovered Kenya, you can enter your trip details once, compare available travel insurance options and purchase your selected policy online.

What Is Travel Insurance Comparison?

Travel insurance comparison means reviewing different travel insurance plans based on factors such as:

• Premium or price

• Medical expenses

• Emergency medical evacuation

• Repatriation

• Baggage loss or delay

• Trip cancellation

• Travel delays

• Personal liability

• Accidental death and disability

• Policy exclusions

• Destination restrictions

• Trip duration

• Age and eligibility requirements

Instead of choosing a policy based only on price, comparison allows you to consider the level of protection offered by each available plan.

The right policy depends on your individual trip. A person travelling to Europe for a Schengen visa application may have different requirements from someone travelling to the United States, taking a business trip, going on safari or making several international trips during the year.

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Why Compare Travel Insurance in Kenya?

Travel insurance is designed to provide financial protection against certain unexpected events that may occur during a covered trip.

Depending on the policy, this may include emergency medical treatment, evacuation, baggage problems, travel delays, cancellation and other covered events.

However, not every travel insurance policy provides the same benefits or limits.

Comparing policies can help you answer questions such as:

• How much medical cover does the policy provide?

• Is emergency evacuation included?

• Is repatriation covered?

• What happens if my baggage is lost or stolen?

• Does the policy cover trip cancellation?

• Are there exclusions for certain activities?

• Does the policy meet my visa requirements?

• How long can I travel under the policy?

• What excess or deductible applies?

• What is the total premium?

These details can be more important than the headline price.

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Travel Insurance Comparison: What Should You Compare?

When comparing travel insurance plans in Kenya, look beyond the premium.

1. Medical Expenses

Medical cover is one of the most important parts of travel insurance.

Compare the maximum amount the insurer will pay for eligible emergency medical expenses and check what conditions and treatments are covered.

For international travel, medical costs can be substantial, particularly in countries where healthcare is expensive.

Check:

• Emergency hospital treatment

• Doctor consultations

• Emergency surgery

• Prescribed medication

• Emergency dental treatment, where applicable

• Medical limits

• Applicable excess

• Exclusions

Always read the policy wording to understand exactly what qualifies as a covered medical expense.

2. Emergency Medical Evacuation

Emergency evacuation can be particularly important when travelling to remote destinations or participating in activities where access to medical facilities may be limited.

Compare whether evacuation is included and the applicable benefit limit.

Some policies may cover transportation to the nearest appropriate medical facility, while other terms and conditions may apply depending on the circumstances.

3. Repatriation

Medical repatriation generally refers to returning a traveller to their home country when this is medically necessary and covered by the policy.

If you are comparing international travel insurance, check whether repatriation is included and what conditions apply.

4. Baggage Cover

Travel insurance may provide benefits for certain losses involving baggage and personal belongings.

Compare:

• Maximum baggage benefit

• Per-item limits

• Loss

• Theft

• Damage

• Delayed baggage

• Required documentation

• Exclusions

A policy with a higher overall baggage limit may still have relatively low limits for individual items.

5. Trip Cancellation

Some travel insurance policies provide cancellation benefits for specified insured reasons.

When comparing cancellation cover, look at:

• Covered cancellation reasons

• Maximum benefit

• Documentation requirements

• Exclusions

• Whether the benefit applies before departure

Do not assume that every reason for cancelling a trip will be covered.

6. Travel Delay

Travel delay benefits may compensate you when a covered delay meets the policy's stated requirements.

Compare:

• Minimum delay period

• Amount payable

• Maximum benefit

• Covered causes

• Documentation required

7. Personal Liability

Some travel insurance policies include personal liability protection for specified claims arising from accidental injury to another person or accidental damage to another person's property.

Compare the maximum liability benefit and exclusions.

8. Accidental Death and Disability

Travel policies may include benefits for accidental death or permanent disability resulting from a covered accident.

Compare the benefit amount and carefully review the policy definition of an insured event.

9. Exclusions

Exclusions can be just as important as the benefits listed on the front of a policy.

Common areas requiring attention include:

• Pre-existing medical conditions

• Alcohol or drug-related incidents

• Certain high-risk activities

• Unauthorised medical treatment

• Unattended baggage

• Travel against medical advice

• Certain destinations

• Certain sports or adventure activities

The exact exclusions depend on the insurer and policy.

Always read the policy wording before purchasing.

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Travel Insurance Comparison Table

Use this checklist when comparing available travel insurance plans:

Feature	What to compare
Medical expenses	Maximum medical benefit
Emergency evacuation	Evacuation limit and conditions
Repatriation	Whether repatriation is included
Baggage	Overall and per-item limits
Trip cancellation	Covered reasons and maximum benefit
Travel delay	Waiting period and compensation
Personal liability	Maximum liability benefit
Accidental death	Benefit amount
Permanent disability	Benefit amount and definitions
Pre-existing conditions	Eligibility and exclusions
Adventure activities	Activities covered or excluded
Destination	Territorial limits
Trip duration	Maximum period covered
Age	Eligibility and age-related conditions
Excess	Amount you may have to pay
Premium	Total cost
Certificate	How and when it is issued
Claims	Process and assistance

The cheapest option is not automatically the most suitable option. Compare the premium alongside the benefits, limits, exclusions and conditions.

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Compare Travel Insurance Plans in Kenya

Different travellers have different insurance requirements.

Single-Trip Travel Insurance

Single-trip travel insurance is designed for a specific journey.

It can be suitable when you are travelling abroad once or only occasionally.

When comparing single-trip policies, check:

• Departure and return dates

• Destination

• Medical limit

• Evacuation

• Baggage

• Cancellation

• Activities

• Premium

Annual Multi-Trip Travel Insurance

If you travel internationally several times during the year, an annual multi-trip policy may be an option worth comparing with separate single-trip policies.

GetCovered Kenya currently offers multi-trip travel insurance as one of its travel insurance options.

Check:

• Maximum duration of each trip

• Number of trips allowed

• Geographic coverage

• Medical benefits

• Baggage benefits

• Exclusions

• Annual premium

Do not assume that an annual policy provides unlimited duration for every individual trip. Check the policy terms.

Schengen Travel Insurance

Schengen travel insurance is designed for travellers applying for a Schengen visa and must meet the relevant visa requirements.

For applicants in Kenya, the EU Delegation states that medical travel insurance should cover emergency medical assistance, emergency hospitalisation and medical repatriation, with coverage of at least €30,000 and validity throughout the Schengen countries for the duration of the stay.

The EU Delegation to Kenya also publishes information on approved medical travel insurance providers for the Schengen region.

When comparing Schengen insurance, therefore, do not compare price alone. First confirm that the policy satisfies the requirements applicable to your visa application.

International Travel Insurance

International travel insurance can cover trips outside Kenya, subject to the policy's geographical limits and terms.

GetCovered Kenya currently provides an international travel insurance option and allows travellers to request quotes online.

Compare international policies based on:

• Destination

• Medical expenses

• Emergency evacuation

• Repatriation

• Baggage

• Cancellation

• Activities

• Trip duration

• Exclusions

Student Travel Insurance

Students travelling abroad may have different requirements from short-term holiday travellers.

Depending on your circumstances, you may need to consider:

• Length of study

• Medical cover

• Emergency evacuation

• Repatriation

• Baggage

• Personal liability

• Country requirements

• University or visa requirements

Check your institution's requirements as well as the insurance policy conditions.

Family Travel Insurance

Families can compare policies based on the number and ages of travellers and the benefits provided to each insured person.

Check whether children are included, applicable age limits and whether the policy has separate limits for individual travellers or one overall family benefit.

Group Travel Insurance

Groups such as schools, churches, companies and tour groups may have different insurance requirements.

Compare:

• Number of travellers

• Destination

• Travel dates

• Medical limits

• Group benefits

• Emergency assistance

• Individual exclusions

• Total premium

 

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How to Compare Travel Insurance Quotes in Kenya

Comparing quotes online can simplify the process.

Step 1: Enter Your Trip Details

Provide information such as:

• Destination

• Travel dates

• Number of travellers

• Traveller ages

• Type of trip

• Any specific insurance requirements

Accurate information is important because premiums and eligibility can depend on your travel details.

Step 2: Compare Available Quotes

Review the available insurance options.

Look at more than the premium. Compare:

• Medical limits

• Evacuation

• Baggage

• Cancellation

• Excess

• Exclusions

• Insurer

• Policy conditions

GetCovered Kenya describes its travel insurance process as entering trip details, comparing available quotes and then purchasing the selected policy online.

Step 3: Check the Policy Details

Before buying, review the policy schedule, benefits, exclusions and conditions.

Make sure the policy corresponds with your destination and travel dates.

Step 4: Select Your Policy

Once you have compared the available options, select the policy that meets your requirements.

Step 5: Pay for Your Cover

Follow the payment instructions provided during the purchase process.

GetCovered Kenya currently supports online travel insurance purchasing and states that digital policy documentation is provided after purchase.

Step 6: Keep Your Certificate

Save your insurance certificate and policy documents somewhere you can access them while travelling.

For visa applications, keep any documentation required by the relevant embassy or visa centre.

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How Much Does Travel Insurance Cost in Kenya?

There is no single travel insurance price that applies to every traveller.

The premium can depend on factors such as:

• Destination

• Age

• Travel dates

• Trip duration

• Number of travellers

• Type of policy

• Medical limits

• Additional benefits

• Insurer

• Policy terms

For this reason, an online quote is more useful than relying on a general price estimate.

GetCovered Kenya currently lists travel insurance starting from KES 2,500 on its website, but actual pricing should be confirmed through a personalised quote because premiums and available products can vary.

Compare your travel insurance quote before you buy.

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Is the Cheapest Travel Insurance the Best Option?

Not necessarily.

Price is only one part of a travel insurance comparison.

For example, two policies could have different premiums but also different:

• Medical limits

• Baggage limits

• Cancellation benefits

• Excess amounts

• Exclusions

• Emergency assistance

• Trip-duration limits

A cheaper policy may therefore provide a different level or scope of protection.

When comparing policies, consider the overall value and suitability of the cover, not simply the lowest premium.

 

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Travel Insurance Comparison for Schengen Visa Applications

If you are applying for a Schengen visa from Kenya, insurance requirements should be one of the first things you check.

According to the EU Delegation to Kenya, Schengen medical travel insurance must provide at least €30,000 in coverage and cover emergency medical assistance, emergency hospitalisation and medical repatriation. It must also be valid throughout the Schengen countries for the duration of the stay.

Schengen insurance checklist

Before purchasing, check that your certificate and policy:

• Meet the required minimum medical coverage

• Cover the entire intended stay

• Cover the relevant Schengen territory

• Include emergency medical treatment

• Include emergency hospitalisation

• Include medical repatriation

• Are issued by an eligible insurance provider

• Contain the information required for your application

Visa requirements can change, so verify the current requirements with the relevant embassy, consulate or official visa authority before submitting an application.

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What Does Travel Insurance Usually Cover?

Depending on the policy, travel insurance can provide benefits for events such as:

Emergency Medical Treatment

Cover for eligible emergency medical expenses arising from an insured event.

Medical Evacuation

Cover for eligible emergency transportation to an appropriate medical facility.

Medical Repatriation

Cover for eligible repatriation where the policy conditions are met.

Baggage Loss or Theft

Cover for specified loss, theft or damage to baggage, subject to limits and exclusions.

Travel Delay

A benefit may apply when a covered delay meets the policy's stated conditions.

Trip Cancellation

Some policies cover cancellation for specified insured reasons.

Personal Liability

Some policies provide cover for certain third-party injury or property-damage claims.

Accidental Death and Disability

Some policies provide specified benefits following a covered accident.

The actual benefits available depend on the policy you purchase. Always check the policy wording rather than relying solely on a general list of benefits.

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What Travel Insurance May Not Cover

Travel insurance is not a guarantee against every possible problem during a trip.

Policies can contain exclusions relating to:

• Pre-existing conditions

• Certain sports

• Adventure activities

• Alcohol or drug-related incidents

• Unattended belongings

• Certain medical treatments

• Travelling against medical advice

• Failure to follow policy conditions

• Certain destinations

• Events that occurred before the policy became effective

The exclusions differ between insurers and policies.

Read the exclusions before you buy.

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Travel Insurance Comparison by Destination

Your destination can affect both the type of cover you need and the cost of the policy.

Travel Insurance for Europe

Travellers to Europe should check whether their destination requires Schengen-compliant medical travel insurance.

Travel Insurance for the United Kingdom

Compare medical cover, emergency assistance, baggage, cancellation and destination-specific conditions.

Travel Insurance for the United States

Medical costs can be significant, so pay particular attention to the medical benefit limit, evacuation and exclusions.

Travel Insurance for Canada

Compare medical expenses, emergency assistance, evacuation, baggage and trip cancellation benefits.

Travel Insurance for the UAE

Check medical benefits, baggage, personal liability and the territorial limits applicable to the trip.

Travel Insurance for Africa

For regional travel, consider medical evacuation, emergency medical treatment, baggage and transportation benefits.

Your policy should always be checked against your specific destination and travel itinerary.

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Travel Insurance Comparison: Direct Insurer vs Comparison Platform

You can research insurance policies individually or use a comparison platform to review available options.

Comparing individually	Using a comparison platform
Research one provider at a time	Review available options together
Request separate quotes	Enter trip details once
Compare benefits manually	Review available benefits side by side
Research different policy documents	Compare key policy information
Purchase separately	Purchase the selected available option online

A comparison platform does not remove the need to read the policy documents. You should still check the policy wording, exclusions, limits and conditions before purchasing.

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Why Compare Travel Insurance With GetCovered Kenya?

GetCovered Kenya provides online insurance comparison and purchasing services, including travel insurance.

The travel insurance platform currently includes options such as:

• General travel insurance

• International travel insurance

• Schengen travel insurance

• Medical travel insurance

• Multi-trip travel insurance

• Domestic travel insurance

• Group travel insurance

• Senior citizen travel insurance

GetCovered's travel insurance pages state that travellers can enter their trip information, compare available quotes and purchase cover online.

The platform also states that policy documents can be delivered digitally after purchase.

Compare Before You Buy

Instead of choosing a travel insurance policy based only on price, compare the available protection for your particular trip.

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Travel Insurance Comparison Checklist

Before purchasing your policy, ask:

• Does the policy cover my destination?

• Are my travel dates correct?

• Is the medical limit sufficient for my trip?

• Is emergency medical evacuation included?

• Is repatriation included?

• Does the policy cover my planned activities?

• What baggage benefits are included?

• Are there per-item baggage limits?

• Is trip cancellation covered?

• Is travel delay covered?

• What exclusions apply?

• Are pre-existing medical conditions covered?

• What excess applies?

• Does the policy meet my visa requirements?

• Do I have the correct insurance certificate?

• Have I read the policy wording?

If you can answer these questions, you will have a much clearer picture of what you are buying.

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Frequently Asked Questions About Travel Insurance Comparison

What is travel insurance comparison?

Travel insurance comparison is the process of reviewing available travel insurance policies based on factors such as price, medical cover, evacuation, baggage, cancellation, exclusions and policy limits.

How can I compare travel insurance in Kenya?

You can compare travel insurance online by entering your trip details and reviewing available quotes, benefits, limits and policy conditions. GetCovered Kenya provides an online travel insurance comparison and purchasing service.

How much does travel insurance cost in Kenya?

The cost depends on factors including destination, age, trip duration, number of travellers, coverage level and insurer. The most accurate way to determine your premium is to request a quote based on your actual trip.

Is travel insurance mandatory?

It depends on the destination and purpose of travel. Certain visa applications, including Schengen visa applications, have specific insurance requirements. For Schengen applications from Kenya, the EU Delegation specifies minimum medical travel insurance requirements including €30,000 of coverage.

What should I compare when buying travel insurance?

Compare the premium, medical limit, emergency evacuation, repatriation, baggage, cancellation, personal liability, exclusions, excess, destination restrictions and trip duration.

Is the cheapest travel insurance the best?

Not necessarily. A lower premium can correspond to different benefit limits, exclusions or conditions. Compare the protection provided as well as the price.

Can I compare Schengen travel insurance?

Yes. When comparing Schengen insurance, first check that the policy meets the applicable Schengen visa requirements. The EU Delegation to Kenya states that qualifying medical travel insurance should provide at least €30,000 of coverage and cover emergency medical assistance, hospitalisation and repatriation.

Can I buy travel insurance online in Kenya?

Yes. GetCovered Kenya provides an online travel insurance quotation and purchasing service.

When should I buy travel insurance?

Ideally, arrange your travel insurance early enough to ensure that your cover is in place for the required period and that you have the necessary documentation before travelling. If you need insurance for a visa application, check the relevant visa requirements and dates before purchasing.

Does travel insurance cover pre-existing medical conditions?

Not necessarily. Coverage for pre-existing conditions depends on the policy and insurer. Check the policy wording and disclose relevant information accurately when obtaining your quote.

Does travel insurance cover lost baggage?

Some policies provide baggage cover for specified loss, theft or damage, subject to benefit limits, conditions and exclusions. Check the baggage section of your policy before purchasing.

Does travel insurance cover flight cancellation?

Some policies provide trip cancellation benefits for specified insured reasons. This does not necessarily mean that every cancelled flight or change of plans will be covered.

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Compare Travel Insurance Quotes in Kenya

Your travel insurance should match your trip, not just your budget.

Compare available plans, review the medical and travel benefits, check exclusions and make sure the policy meets any visa or destination requirements before you buy.

GetCovered Kenya lets you compare available travel insurance options online and purchase your selected cover digitally.

Ready to compare?

[Compare Travel Insurance Quotes →]

Or explore:

• [International Travel Insurance]

• [Schengen Travel Insurance]

• [Medical Travel Insurance]

• [Multi-Trip Travel Insurance]

• [Domestic Travel Insurance]

 

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Important Information

Travel insurance products are subject to the terms, conditions, limits, exclusions and underwriting requirements of the issuing insurer.

Premiums, benefits and product availability may vary according to the insurer, destination, traveller details, trip duration and other underwriting factors.

A quotation is not the same as an issued insurance policy.

Before purchasing, review your policy schedule, certificate, benefits, exclusions and full policy wording.

For visa-related travel insurance, always verify the current requirements with the relevant embassy, consulate or official visa authority.

Last updated: September 2026