Travel Insurance
Family Travel Insurance
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Family Travel Insurance
Emergency medical expenses | Treatment, hospital admission and medication abroad
Emergency medical evacuation | Transport to a suitable hospital when medically necessary
Repatriation | Arranging your return to Kenya when required for medical reasons
Trip cancellation | Prepaid, non-refundable costs if a covered event forces you to cancel
Trip curtailment | Costs linked to cutting a trip short for a covered reason
Baggage loss or damage | Compensation for lost or damaged luggage, within limits
Travel delay | A benefit after a qualifying delay
Lost passport or documents | Help with replacement costs
Personal accident | A benefit for accidental death or permanent disability
Personal liability | Cover if you accidentally injure someone or damage property
24-hour assistance | A number to call in an emergency
Schengen Europe, 7 days, family of four | KSh 7,000–13,000
Schengen Europe, 14 days, family of four | KSh 8,500–18,000
UAE and Middle East, 7 days, individual | KSh 3,500–6,500
USA and Canada, 7 days, individual | KSh 8,000–18,000
UK, 14 days, individual | KSh 5,000–10,000
Regional Africa, 7 days, individual | KSh 2,000–4,500
Annual worldwide individual cover | KSh 15,000–35,000
One parent and one child | KSh 5,000–10,000
Two adults and one child | KSh 7,000–15,000
Two adults and two children | KSh 8,500–18,000
Two adults and three children | Request a family quotation
Father, individual cover | KSh 6,000
Mother, individual cover | KSh 6,000
First child, individual cover | KSh 4,000
Second child, individual cover | KSh 4,000
Total, separate policies | KSh 20,000
Illustrative family package | KSh 15,000
Possible saving | KSh 5,000
UAE and Middle East | Holidays, theme parks, family visits | Medical limit, baggage, trip cancellation
Schengen Europe | Tours, city breaks, visits | €30,000 visa minimum, consulate rules, date flexibility
United Kingdom | Visits, education trips, holidays | Medical limit, repatriation, trip length
USA and Canada | Holidays, visits, events | Higher medical limit, excess, exclusions
Asia | Holidays, shopping, medical travel | Territory, activities, baggage
Regional Africa | Safaris, family visits, weddings | Territory, road travel, evacuation
Compare quotes from Kenya's top-rated insurers and save up to 25% on your premium.
Get the best family travel insurance in minutes
Protect every member of your family on your next trip abroad. Compare family travel insurance options, check medical limits and children's eligibility, and request a quote in minutes.
What is family travel insurance?
Family travel insurance is a travel policy that protects parents and their dependent children on the same trip. Instead of buying a separate policy for each person, you request one quotation for the whole family.
Imagine that your family has saved for months to visit Dubai. Two days before departure, your child falls ill and you cannot travel. Or the airline loses your suitcase. Or someone needs hospital treatment abroad.
Without cover, the family pays. With the right cover, an insurer may help pay for eligible costs, subject to the policy limits and conditions.
Here's the thing. A family holiday is one of the biggest non-essential expenses most households plan for. Family travel insurance protects that investment, and it protects the people travelling.
GetCovered Kenya helps Kenyan families compare available travel insurance options and request quotes online. We are a comparison and purchase platform, not an insurer. The policy is issued by the insurer named on your quotation and certificate.
What does family travel insurance cover?
Benefits differ between insurers and plans. Most family policies include some or all of the following.
Benefit
What it can help with
Emergency medical expenses | Treatment, hospital admission and medication abroad
Emergency medical evacuation | Transport to a suitable hospital when medically necessary
Repatriation | Arranging your return to Kenya when required for medical reasons
Trip cancellation | Prepaid, non-refundable costs if a covered event forces you to cancel
Trip curtailment | Costs linked to cutting a trip short for a covered reason
Baggage loss or damage | Compensation for lost or damaged luggage, within limits
Travel delay | A benefit after a qualifying delay
Lost passport or documents | Help with replacement costs
Personal accident | A benefit for accidental death or permanent disability
Personal liability | Cover if you accidentally injure someone or damage property
24-hour assistance | A number to call in an emergency
Not every plan includes every benefit. Limits, excesses and exclusions vary. Always read the policy schedule before you pay.
Who can be covered under a family travel policy?
Most family policies cover:
- The policyholder.
- A spouse or partner.
- Dependent children.
The definition of a dependent child varies. Some insurers define a child as someone under 18. Others set different age limits or require children to be financially dependent. Some insurers also set minimum entry ages for babies.
Published examples from Kenyan insurers show how different the rules can be. Standard Chartered Kenya's travel product, underwritten by Sanlam General, describes a family rate for the policyholder, a travel companion and up to four dependent children under 18, with children sharing cover. CIC and Old Mutual publish a child premium reduction for children under 18.
Before you buy, check:
- How many children the policy allows.
- The age limit for dependent children.
- The minimum age for babies.
- Whether teenagers who turn 18 are treated as adults.
- Whether grandparents or other relatives can be added.
Give the insurer the correct date of birth for every traveller. Wrong details can cause problems at claim time.
How much does family travel insurance cost in Kenya?
There is no single price. The premium depends on four main things:
- Destination. Medical costs are higher in some countries, so a trip to the USA usually costs more than a trip within Africa.
- Trip length. More days means more risk and a higher premium.
- Number and ages of travellers. Children may be priced differently from adults.
- Benefits chosen. Higher medical limits and extra benefits raise the price.
Indicative prices
The figures below are indicative ranges published by GetCovered Kenya. They are a starting point for planning and are not guaranteed quotations.
Destination and trip
Indicative cost
Schengen Europe, 7 days, family of four | KSh 7,000–13,000
Schengen Europe, 14 days, family of four | KSh 8,500–18,000
UAE and Middle East, 7 days, individual | KSh 3,500–6,500
USA and Canada, 7 days, individual | KSh 8,000–18,000
UK, 14 days, individual | KSh 5,000–10,000
Regional Africa, 7 days, individual | KSh 2,000–4,500
Annual worldwide individual cover | KSh 15,000–35,000
A simple budgeting example
Suppose Mary and Peter receive a quotation of KSh 15,000 for a two-week European holiday with their two children.
- KSh 15,000 divided by 14 days is about KSh 1,071 per day.
- That is roughly KSh 268 per family member per day.
- If the holiday budget is KSh 350,000, the insurance is about 4.3% of the total.
This is an illustration, not a live quotation. The point is simple. A small part of the holiday budget can protect against a potentially large unexpected bill.
Planning amounts for a 14-day European holiday
Family size
Suggested planning amount
One parent and one child | KSh 5,000–10,000
Two adults and one child | KSh 7,000–15,000
Two adults and two children | KSh 8,500–18,000
Two adults and three children | Request a family quotation
These are planning estimates. Request a quotation based on your actual dates, destination and ages.
Is a family policy cheaper than separate policies?
Often, yes, but not always.
Some insurers offer a family package that covers parents and dependent children under one arrangement. Others charge a separate premium for each traveller, sometimes with a child discount.
Here is an illustration of how a family discount could work.
Arrangement
Example cost
Father, individual cover | KSh 6,000
Mother, individual cover | KSh 6,000
First child, individual cover | KSh 4,000
Second child, individual cover | KSh 4,000
Total, separate policies | KSh 20,000
Illustrative family package | KSh 15,000
Possible saving | KSh 5,000
And here is how a 50% child discount could work. If an adult premium is KSh 6,000, a child's premium would be KSh 3,000. For two parents and two children, the total would be KSh 18,000 instead of KSh 24,000.
Both tables are illustrations, not verified quotations.
The question that matters more than price
Before choosing a family package, ask: does every person have their own medical limit, or does the family share one limit?
Imagine a family with a shared medical limit of KSh 1,000,000. If one child needs KSh 600,000 of hospital treatment, the remaining family limit becomes KSh 400,000. If another family member then needs treatment, less cover is available.
If each person has a separate limit, the calculation can be very different.
Business lesson for parents: A cheap family package may have a smaller total protection limit. Compare the limit, not just the price.
Family Schengen travel insurance
If your family is travelling to France, Germany, Italy, Spain or another Schengen country, every traveller who needs a visa must hold valid travel medical insurance as part of the visa application.
Under the EU Visa Code, the policy must generally provide at least €30,000 in medical cover, be valid across all Schengen states, cover the entire stay, and include repatriation for medical reasons. Children who need a visa need cover too, and each name must appear on the certificate.
Consulates add their own document rules, so check the checklist of the country you are applying to before you buy.
For the full rules, read our guide: Travel Insurance for Schengen Visa in Kenya.
Family travel insurance by destination
Different destinations carry different risks and costs. Use this table to know what to check.
Destination
Why families go
What to check
UAE and Middle East | Holidays, theme parks, family visits | Medical limit, baggage, trip cancellation
Schengen Europe | Tours, city breaks, visits | €30,000 visa minimum, consulate rules, date flexibility
United Kingdom | Visits, education trips, holidays | Medical limit, repatriation, trip length
USA and Canada | Holidays, visits, events | Higher medical limit, excess, exclusions
Asia | Holidays, shopping, medical travel | Territory, activities, baggage
Regional Africa | Safaris, family visits, weddings | Territory, road travel, evacuation
If your family visits more than one country, check that every destination and stopover is included.
How do you get a family travel insurance quote online?
It takes a few minutes if you have your details ready.
Step 1: Enter your trip details. Add your destination, departure date and return date.
Step 2: Add every traveller. Enter each family member's name, date of birth and passport number as they appear in the passport.
Step 3: Review the options. Compare available plans, medical limits, excess, cancellation and baggage benefits.
Step 4: Check the policy terms. Look at exclusions, age limits, pre-existing condition rules and how claims work.
Step 5: Buy and download your documents. Pay through the approved payment process, then save your certificate and the emergency assistance number.
What to have ready
- Passport details for every traveller.
- Dates of birth for parents and children.
- Travel dates and destinations.
- Details of any existing medical conditions.
- Your email address and phone number.
- The names of any additional travellers, if allowed.
What does family travel insurance not cover?
Travel insurance does not pay for every problem. Common exclusions include:
- Pre-existing medical conditions that were not declared or accepted by the insurer.
- Change of mind. If you simply decide not to travel, cancellation cover usually does not apply.
- Routine or elective treatment that was planned before the trip.
- Certain adventure activities, unless the policy covers them.
- Travel to excluded countries or areas under government travel warnings.
- Alcohol or drug-related incidents, depending on the policy.
- Unattended valuables or items left in unsafe places.
- Claims made without proper reporting or documents.
For example, CIC lists pre-existing medical conditions among common exclusions unless they are declared and accepted by the insurer. [Verify before publishing.]
Exclusions differ by plan, so read the policy wording. If you are unsure whether something is covered, ask before you buy and get the answer in writing.
How do claims work for families?
Imagine your family is in London. On the fifth day, your 11-year-old develops a high fever and needs hospital treatment.
This is a typical sequence:
- Call the emergency assistance number on your insurance documents.
- Follow the insurer's instructions. Depending on the policy, the insurer may arrange direct payment with the hospital or ask you to pay first and claim later.
- Collect documents. You may need passports, the insurance certificate, a medical report, hospital bills, receipts, prescriptions and a claim form.
- Submit the claim. The insurer checks it against the policy benefits and exclusions.
One claim does not automatically stop other family members from using their cover. The effect depends on whether limits are individual or shared.
For a longer walkthrough, see our guide to family travel insurance costs and claims in Kenya.
When should you buy family travel insurance?
Buy it as soon as you book your trip.
Some cancellation benefits only protect against covered events that happen after the policy starts. If you wait until the day before departure, you may have no protection against an earlier problem, such as an illness that stops you from travelling.
If you need insurance for a visa, buy it before your appointment and choose a policy that allows date changes or a refund if the visa is refused.
Checklist before you pay
- Both parents appear on the policy.
- Every child has cover.
- Children's age limits are confirmed.
- You know whether medical limits are individual or shared.
- Existing medical conditions are declared.
- Emergency evacuation is included.
- Cancellation and baggage benefits suit your trip cost.
- The excess is acceptable.
- Every destination and stopover is covered.
- You have saved the emergency assistance number.
- You carry a copy of the certificate.
- You understand how to claim.
Why compare family travel insurance with GetCovered Kenya?
Choosing travel insurance can feel confusing. Different insurers use different limits, age rules and exclusions. GetCovered Kenya helps you do the first part of the work online.
- Compare in one place. Enter your trip details once instead of contacting several insurers.
- Quotes based on your real trip. Your price reflects your destination, dates and travellers.
- Digital process. Buy online and receive your policy documents electronically.
- Clear information. We encourage you to compare benefits, not just price.
- Support.
How we work: GetCovered Kenya is an insurance comparison and purchase platform. The insurer named on your quotation and certificate is responsible for the policy. We may earn a commission when you buy. [Edit to match your legal and regulatory status, and add your IRA registration details.]
Frequently asked questions about family travel insurance in Kenya
How much does family travel insurance cost in Kenya?
A family of four travelling to Schengen Europe for 14 days can use KSh 8,500–18,000 as an indicative planning range. The actual premium depends on the destination, dates, ages and benefits. Request a live quotation for your trip.
Can I insure my husband, wife and two children under one policy?
Yes. Some insurers offer family packages for parents and dependent children. Check how many children are allowed and whether benefits are individual or shared.
Does family travel insurance cover children under five?
Some policies cover young children and babies. Others have minimum entry ages or charge a child premium. Ask before buying.
What happens if two family members need treatment on the same trip?
The insurer assesses each claim under the policy terms. If the family shares one medical limit, both claims reduce the same balance. If each person has an individual limit, each person's own limit applies.
Can I get my money back if my family cancels a holiday?
Possibly, if a covered event forces you to cancel and the bookings are non-refundable. Ordinary changes of mind and other excluded reasons may not qualify. Check the cancellation conditions.
Is family travel insurance cheaper than buying separate policies?
Often, but not always. Compare the total price and the benefits. A cheaper package may have a lower overall limit.
Do children need travel insurance for a Schengen visa?
Yes. Every visa applicant needs valid travel medical insurance that meets the visa requirements, including children who need a visa.
Does family travel insurance cover pre-existing conditions?
Not automatically. Some policies exclude them, while others cover them after disclosure and acceptance. Declare conditions accurately and get the terms in writing.
When should I buy family travel insurance?
As soon as you book the trip, so cancellation benefits can start early. Always check the policy start date and terms.
Can I buy family travel insurance online in Kenya?
Yes. You can request quotes, buy the policy and receive documents digitally through GetCovered Kenya. Confirm the insurer, dates and traveller details before paying.
Protect your family before you fly
A family holiday should be about memories, not unexpected bills. The right policy protects your savings, supports your children if they need care abroad and gives you one number to call when something goes wrong.
Your next step: Enter your trip details, add every traveller, compare the options and choose the policy that fits your family.
Related guides
- Travel insurance for Schengen visa in Kenya
- Family travel insurance in Kenya: costs and claims [confirm URL]
- Corporate travel insurance in Kenya
- Travel insurance comparison in Kenya
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