Schengen Travel Insurance in Kenya – Buy Online & Get Your Certificate Fast
Schengen Travel Insurance in Kenya – Buy Online & Get Your Certificate Fast
Get Schengen-compliant travel insurance in Kenya with the medical protection required for your visa application. Compare available policies, pay conveniently, and receive your insurance certificate digitally.
Compare quotes from Kenya's top-rated insurers and save up to 25% on your premium.
Get the best schengen travel insurance in kenya – buy online & get your certificate fast in minutes
Get Schengen-compliant travel insurance in Kenya with the medical protection required for your visa application. Compare available policies, pay conveniently, and receive your insurance certificate digitally.
Planning to travel to France, Germany, Italy, Spain, Switzerland, the Netherlands or another Schengen destination?
Whether you are applying for a Schengen visa for tourism, business, visiting family, attending an event or taking a short academic trip, travel medical insurance is an important part of your visa documentation.
With GetCovered Kenya, you can compare available Schengen travel insurance options from licensed Kenyan insurers and choose a policy based on your travel dates, destination, age and required benefits.
Why buy your Schengen insurance through GetCovered Kenya?
- EUR 30,000 minimum medical cover on qualifying Schengen policies
- Coverage throughout the Schengen Area, subject to the terms of the selected policy
- Compare available insurance options before choosing
- Buy online from Kenya
- Pay conveniently through M-Pesa
- Receive your insurance certificate digitally
- Support if you need help choosing your cover
- Policies issued by licensed insurers
Ready to get your certificate?
Get Your Schengen Travel Insurance Quote
Enter your travel details above to see the available options for your trip.
Need help urgently? Contact our travel insurance team on WhatsApp.
Schengen Travel Insurance Requirements for Kenyan Travellers
If you are applying for a Schengen visa from Kenya, your travel medical insurance needs to satisfy the applicable Schengen visa requirements.
Under Article 15 of the EU Visa Code, applicants for a uniform Schengen visa must have adequate and valid travel medical insurance. The insurance must cover expenses associated with medical repatriation, urgent medical attention and/or emergency hospital treatment or death during the relevant stay. The minimum coverage is EUR 30,000. The insurance must also be valid throughout the relevant territory and cover the entire intended stay or transit.
In simple terms, check these requirements before buying:
1. Minimum medical cover of EUR 30,000
Your policy should provide at least EUR 30,000 in travel medical insurance cover where this is required for your visa application.
2. Appropriate geographical coverage
The policy should cover the relevant Schengen territory for your visa and itinerary.
3. Coverage for the entire intended trip
Your insurance dates should correspond with your intended travel period, including the relevant transit period where applicable.
4. Emergency medical protection
The policy should provide the required protection for urgent medical attention and emergency hospital treatment.
5. Medical repatriation
The applicable insurance should include the required repatriation protection.
6. Valid proof of insurance
You will need to submit your insurance certificate or other proof of cover as required by the relevant consulate or visa application centre.
Important
Visa requirements can vary by application circumstances and can change. Always check the latest instructions issued by the relevant embassy, consulate or official visa application centre before submitting your application.
GetCovered Kenya can help you choose an available policy based on your destination and travel dates, but purchasing insurance does not guarantee that a Schengen visa will be approved.
Is Schengen Travel Insurance Mandatory?
For most applicants applying for a uniform Schengen visa, proof of adequate travel medical insurance is part of the visa documentation requirements.
The EU Visa Code requires qualifying applicants to demonstrate that they have adequate and valid travel medical insurance meeting the prescribed conditions. The insurance must cover the required medical risks, be valid throughout the relevant territory and cover the intended stay or transit, with a minimum coverage of EUR 30,000.
This means that travel insurance is not simply an optional extra when preparing a standard Schengen visa application.
It is part of the documentation you should prepare alongside other requirements such as your passport, application form, photographs, travel itinerary, accommodation information and evidence of sufficient means, according to the requirements applicable to your application.
Do not wait until the last minute
Do not wait until the last minute
One of the easiest mistakes to avoid is leaving your travel insurance until the day of your visa appointment.
Before purchasing your policy, check:
- Your name is entered correctly
- Your passport details are correct
- Your travel dates are correct
- The policy covers the required territory
- The medical cover meets the required minimum
- The insurer and policy details are clearly shown
- The certificate can be provided in the format required for your application
How Much Does Schengen Travel Insurance Cost in Kenya?
The cost of Schengen travel insurance in Kenya depends on several factors.
These can include:
- Length of your trip
- Traveller age
- Number of travellers
- Destination and geographical area
- Level of medical cover
- Optional benefits
- Insurer
- Existing medical conditions and applicable underwriting terms
At GetCovered Kenya, Schengen travel insurance options can start from approximately KES 2,500 for short trips, depending on the traveller and policy selected.
Indicative Schengen Travel Insurance Pricing
Trip durationIndicative price*1–7 days | From KES 2,500
8–15 days | From approximately KES 4,000
16–30 days | From approximately KES 6,000
31–60 days | From approximately KES 10,000
61–90 days | From approximately KES 15,000
8–15 days | From approximately KES 4,000
16–30 days | From approximately KES 6,000
31–60 days | From approximately KES 10,000
61–90 days | From approximately KES 15,000
*Indicative prices only. Your actual premium is determined by the insurer and your individual travel details. Premiums can vary according to age, duration, destination, number of travellers, cover selected and underwriting requirements.
Why can two people pay different prices?
Imagine two Kenyan travellers going to France.
One is travelling alone for seven days.
Another is travelling with a family for 30 days.
They will not necessarily pay the same premium because the insurer is assessing different levels of exposure.
Age can also affect premiums. Older travellers may have different pricing and eligibility conditions depending on the insurer.
The best way to know your actual cost is to get a quote using your own travel details.
Get Your Schengen Insurance Price
Enter your travel dates and traveller details to see the available options.
What Does Schengen Travel Insurance Cover?
Schengen travel insurance is primarily designed to provide travel medical and emergency protection while you are abroad.
Depending on the policy you select, benefits can include:
Emergency Medical Expenses
This is one of the most important benefits for a Schengen visa applicant.
A qualifying travel medical insurance policy can cover eligible emergency medical expenses arising from illness or accidental injury during your trip, subject to the policy terms, limits and exclusions.
Examples may include:
- Emergency hospital treatment
- Emergency medical consultations
- Eligible medical treatment
- Emergency medication
- Emergency dental treatment where included
- Other eligible emergency medical expenses
Always read the policy wording to understand the exact benefits, limits and exclusions.
Medical Evacuation and Repatriation
Depending on the policy, emergency assistance may arrange or pay for eligible medical evacuation or repatriation where medically necessary and covered by the policy.
This can be particularly important when travelling far from home.
The exact conditions, limits and assistance procedures depend on the insurer and policy selected.
Repatriation of Remains
Some travel insurance policies include cover for the repatriation of remains in the event of death abroad.
Check the policy wording and benefit limits before purchasing.
Trip Cancellation
Some policies provide cancellation cover for specified insured events occurring before your trip.
Depending on the policy, covered events can include certain medical emergencies, bereavement or other specified circumstances.
Cancellation benefits are subject to:
- Covered events
- Policy limits
- Exclusions
- Waiting periods where applicable
- Supporting documentation
Do not assume that every reason for cancelling a trip is covered.
Travel Delay
Some policies provide compensation for eligible travel delays once the delay exceeds the period specified in the policy.
This can help with certain additional expenses arising from a covered delay.
Baggage Loss, Damage or Delay
Depending on the policy, your travel insurance may provide cover for eligible:
- Lost baggage
- Stolen baggage
- Damaged baggage
- Delayed baggage
- Emergency replacement purchases
Limits and exclusions normally apply.
Personal Accident
Some travel insurance policies include personal accident benefits for specified accidental death or permanent disability.
The benefit amount and qualifying circumstances depend on the policy.
Personal Liability
Some policies provide personal liability protection if you become legally liable for certain accidental injury to another person or accidental damage to their property while travelling.
Always check the policy wording for the applicable limits and exclusions.
What Is the Minimum Schengen Insurance Cover?
The minimum travel medical insurance coverage required under Article 15 of the EU Visa Code is EUR 30,000 for the applicable uniform visa requirements.
This requirement exists because the insurance needs to provide meaningful protection against certain medical expenses that could arise during your trip.
EUR 30,000 does not mean your policy is worth KES 30,000
EUR 30,000 is a medical cover limit, not the price you pay for the insurance.
Your premium may be only a few thousand Kenyan shillings for a short trip, while the policy provides substantially higher medical protection.
Should you buy more than EUR 30,000?
EUR 30,000 is the minimum required under the relevant rule.
However, you may prefer a higher medical limit if an available policy provides one at a reasonable additional premium.
For longer trips, older travellers or travellers who want additional protection, compare the actual benefits and limits rather than choosing purely on price.
What Countries Does Schengen Travel Insurance Cover?
The Schengen Area currently consists of 29 countries.
A qualifying policy should provide the geographical coverage required for your visa and intended itinerary.
The 29 Schengen countries are:
Western and Central Europe
- Austria
- Belgium
- France
- Germany
- Luxembourg
- Netherlands
- Switzerland
- Liechtenstein
Northern Europe
- Denmark
- Finland
- Iceland
- Norway
- Sweden
- Estonia
- Latvia
- Lithuania
Southern Europe
- Greece
- Italy
- Malta
- Portugal
- Spain
- Slovenia
- Croatia
Central and Eastern Europe
- Czechia
- Hungary
- Poland
- Slovakia
- Romania
- Bulgaria
Important
Do not assume that buying insurance specifically labelled "France travel insurance" automatically means the policy satisfies every requirement for a multi-country Schengen itinerary.
When you are travelling through several countries, check the geographical scope stated on your policy.
Your insurance certificate and policy wording should make the applicable geographical coverage clear.
Schengen Travel Insurance for France
Planning to apply for a French Schengen visa from Kenya?
Your travel insurance should meet the applicable Schengen requirements, including the required minimum medical coverage and geographical and date requirements.
When buying your policy, check:
- Minimum EUR 30,000 medical cover
- Validity for your intended travel period
- Appropriate Schengen geographical coverage
- Medical assistance and repatriation benefits
- Correct traveller name
- Correct policy dates
- Issuing insurer details
Going to Paris, Nice, Lyon or elsewhere in France?
You can use the same Schengen travel insurance framework for your French trip, provided the policy meets the requirements applicable to your visa and itinerary.
Get a France Schengen Insurance Quote
Schengen Travel Insurance for Germany
Travelling to Germany for tourism, business, family visits or an event?
Before submitting your visa application, make sure your travel insurance satisfies the applicable Schengen requirements.
Your certificate should clearly identify:
- Insured traveller
- Insurer
- Policy number
- Policy dates
- Medical cover
- Geographical coverage
- Relevant emergency assistance information
Get Your Germany Schengen Insurance Quote
Schengen Travel Insurance for Italy
Planning a trip to Rome, Milan, Venice, Florence or another Italian destination?
A Schengen travel insurance policy should provide the required travel medical protection for your intended stay and meet the applicable visa requirements.
Make sure your certificate and policy documentation are accurate before submitting your visa application.
Get Your Italy Schengen Insurance Quote
Schengen Travel Insurance for Spain
Travelling from Kenya to Madrid, Barcelona, Valencia, Seville or another Spanish destination?
Get a travel insurance policy that meets the applicable Schengen requirements and covers your intended dates and territory.
Get Your Spain Schengen Insurance Quote
Schengen Travel Insurance for the Netherlands
Travelling to Amsterdam, Rotterdam, The Hague or another destination in the Netherlands?
Your travel insurance should satisfy the applicable Schengen visa requirements and provide the necessary medical protection for your trip.
Get Your Netherlands Schengen Insurance Quote
Schengen Travel Insurance for Switzerland
Switzerland is part of the Schengen Area even though it is not a member of the European Union.
If Switzerland is part of your Schengen itinerary, make sure your policy provides the geographical coverage required for your trip.
Get Your Switzerland Schengen Insurance Quote
What Should a Schengen Insurance Certificate Show?
Your insurance certificate is the document you use to demonstrate that you have travel medical insurance.
Before submitting it with your visa application, check that the information is correct.
A certificate will normally identify important information such as:
1. Your full name
Your name should match your passport and visa application.
2. Policy number
The policy or certificate number allows the insurer to identify your cover.
3. Insurance company
The certificate should identify the insurer providing the policy.
4. Policy dates
Check the start and end dates carefully.
5. Medical cover
The applicable medical cover amount should be clearly stated.
6. Geographical coverage
Check that the geographical area of cover satisfies the requirements applicable to your application.
7. Emergency assistance information
Your certificate or policy documentation should provide the relevant assistance details.
8. Other policy information
Depending on the insurer, the certificate may contain additional information about benefits, exclusions and assistance arrangements.
Your Name Must Match Your Passport
This is a small detail that can cause unnecessary problems.
Suppose your passport says:
Brian Ndege Nyabayo
Do not accidentally enter:
Brian Nyabayo
or:
Brian N. Nyabayo
when purchasing your policy if the insurer requires the full passport name.
Before payment, carefully check:
- First name
- Middle name
- Surname
- Spelling
- Passport number where requested
- Date of birth where requested
- Travel dates
If you identify an error after purchasing the policy, contact the insurer or GetCovered Kenya immediately.
How to Buy Schengen Travel Insurance Online in Kenya
Buying your travel insurance does not need to involve multiple trips to an insurance office.
With GetCovered Kenya, you can start the process online.
Step 1: Enter Your Travel Details
Provide the information requested on the quote form.
This may include:
- Destination
- Departure date
- Return date
- Traveller details
- Age
- Contact information
Enter your name exactly as it appears on your passport.
Step 2: Compare Available Insurance Options
Review the available policies.
Look at more than just the price.
Compare:
- Medical cover
- Policy duration
- Geographical coverage
- Repatriation
- Baggage benefits
- Cancellation benefits
- Personal accident benefits
- Personal liability
- Insurer
- Exclusions
- Age limits
- Other policy conditions
The cheapest policy is not automatically the best policy.
Step 3: Choose Your Policy
Select the policy that best matches your travel requirements.
Before paying, check the details one more time.
Especially verify:
Name + Dates + Destination + Medical Cover + Insurer
Step 4: Pay Through M-Pesa
Where M-Pesa is available as a payment option, you can complete payment from your Safaricom line.
This makes it easier for Kenyan travellers to complete the purchase without needing to visit an office.
Step 5: Receive Your Insurance Certificate
After successful payment and policy issuance, your insurance documentation can be delivered digitally through the available channels.
Save the certificate securely.
Step 6: Print or Submit According to Your Visa Instructions
Follow the instructions provided by the embassy, consulate or visa application centre handling your application.
If a printed document is required, print the certificate and include it with your visa documents.
Do not rely on assumptions about document format. Follow the current instructions for your particular application.
Can I Buy Schengen Travel Insurance Using M-Pesa?
Yes.
GetCovered Kenya is designed to make insurance purchase easier for Kenyan travellers, including convenient digital payment options such as M-Pesa where available.
You do not need to understand complicated insurance terminology before starting.
Enter your travel details, review the available options and choose the policy that suits your trip.
Start Your Schengen Insurance Quote
Can I Buy Schengen Insurance for Someone Else?
Yes.
You can arrange travel insurance for another traveller, such as:
- Your spouse
- Your child
- Your parent
- A relative
- An employee
- Another traveller whose trip you are paying for
The important thing is that the insurance information belongs to the actual insured traveller.
Enter their details accurately.
The name on the certificate should correspond with the traveller's passport.
Schengen Travel Insurance for Students from Kenya
Are you travelling from Kenya to Europe for:
- University studies
- Student exchange
- Academic conferences
- Short courses
- Research
- Training
- Educational events
A standard short-stay Schengen visa and its insurance requirements may be appropriate for some short trips.
However, if you are planning to stay in Europe for more than 90 days, you may need a different type of visa and insurance arrangement.
Before purchasing
Check:
- Your visa category
- Intended length of stay
- Destination
- Insurance requirements
- University or programme requirements
If your programme involves a long stay, contact us before purchasing a short-term Schengen travel policy.
Schengen Travel Insurance for Families
Travelling to Europe with your spouse and children?
Family travel insurance can make it easier to manage your travel documentation.
Depending on the insurer and policy, you may be able to insure several family members together.
Make sure every traveller is correctly listed and that:
- Names match passports
- Dates are correct
- Every traveller is covered
- The policy meets the applicable visa requirements
- Each traveller's documentation is available
Travelling as a family?
Get a Family Schengen Insurance Quote
Schengen Travel Insurance for Senior Travellers
Older travellers may face different insurance pricing, eligibility conditions and benefit limits.
If you are 60, 65, 70 or older, do not automatically choose the first policy you find.
Compare:
- Maximum age
- Medical cover
- Pre-existing condition provisions
- Emergency assistance
- Repatriation
- Medical exclusions
- Trip duration
- Premium
If you have a pre-existing medical condition, read the policy wording carefully and disclose information requested by the insurer.
Schengen Travel Insurance for Business Travellers
Travelling from Kenya to Europe for:
- Business meetings
- Conferences
- Trade fairs
- Training
- Negotiations
- Corporate events
- Client meetings
Your insurance should cover your intended travel dates and destinations and satisfy the applicable visa requirements.
If you travel to Europe several times each year, ask about annual multi-trip travel insurance rather than purchasing separate single-trip policies every time.
Schengen Insurance for Multiple-Entry Visas
A multiple-entry Schengen visa allows eligible travellers to make multiple visits during the visa's validity, but that does not mean one single-trip insurance policy automatically covers every future journey.
Under the EU Visa Code, applicants for a multiple-entry visa must demonstrate travel medical insurance covering the period of their first intended visit and acknowledge the need to have insurance for subsequent stays.
If you regularly travel to Europe, an annual multi-trip policy may be worth considering.
Compare the:
- Maximum duration per trip
- Number of trips
- Medical cover
- Geographic coverage
- Age limits
- Policy exclusions
before choosing.
What Is Not Automatically Covered by Schengen Travel Insurance?
Travel insurance is not unlimited protection.
Depending on the policy, exclusions can apply to:
- Certain pre-existing medical conditions
- Undeclared medical conditions
- Certain high-risk activities
- Alcohol- or drug-related incidents
- Unauthorised treatment
- Certain elective procedures
- Losses outside policy conditions
- Claims above stated limits
- Events specifically excluded by the insurer
Always read your policy wording.
If you do not understand an exclusion, ask before purchasing.
Pre-Existing Medical Conditions and Schengen Insurance
If you have an existing medical condition, do not hide it simply because you are worried about paying more.
Examples can include:
- Diabetes
- Hypertension
- Asthma
- Heart conditions
- Previous major illnesses
Whether a pre-existing condition is covered depends on the insurer and policy.
Some policies may exclude pre-existing conditions completely.
Others may provide limited cover subject to specific conditions.
The safest approach
Disclose the information requested by the insurer and understand the applicable terms before travelling.
A cheaper policy is not useful if a major claim is excluded because the relevant condition was not covered.
Common Schengen Travel Insurance Mistakes
Mistake 1: Buying insurance below the required medical limit
Always check the medical cover amount.
For the standard requirement under Article 15, the minimum is EUR 30,000.
Mistake 2: Entering the wrong travel dates
Your insurance should correspond with your intended stay or transit.
Double-check the dates before payment.
Mistake 3: Misspelling your name
Your insurance certificate should identify the correct traveller.
Compare it against your passport.
Mistake 4: Looking only at price
A KES 2,500 policy is not automatically better than a KES 4,000 policy.
Compare the actual benefits.
Mistake 5: Ignoring exclusions
Two policies can have the same medical limit while having different exclusions and benefit conditions.
Read the policy wording.
Mistake 6: Waiting until the last minute
Buying your insurance shortly before your appointment creates unnecessary pressure.
Prepare your documents early.
Mistake 7: Assuming insurance guarantees visa approval
It does not.
Travel insurance is one part of a visa application.
The final visa decision belongs to the relevant authorities.
Schengen Travel Insurance vs Ordinary Travel Insurance
Not every travel insurance policy is necessarily suitable for a Schengen visa application.
The important question is not simply:
"Does this policy provide travel insurance?"
The better question is:
"Does this policy meet the applicable Schengen travel medical insurance requirements for my visa application?"
A qualifying policy needs to satisfy the relevant requirements concerning:
- Medical cover
- Geographic validity
- Intended travel period
- Required medical and repatriation benefits
- Proof of insurance
That is why choosing the right policy matters.
Why Compare Schengen Travel Insurance?
You could simply purchase the first travel insurance policy you see.
But comparison can help you understand what you are actually buying.
With GetCovered Kenya, you can compare available options based on factors such as:
Price
Find an option that fits your travel budget.
Medical cover
Check the medical limit rather than assuming every policy is the same.
Benefits
Compare baggage, cancellation, accident, liability and other available benefits.
Insurer
Know which insurance company is actually underwriting your policy.
Policy conditions
Understand exclusions, limits and eligibility requirements before purchasing.
Convenience
Get your insurance digitally rather than making unnecessary trips.
Why Buy Schengen Travel Insurance Through GetCovered Kenya?
GetCovered Kenya helps Kenyan travellers compare and purchase insurance digitally.
Our focus is not simply on selling you a policy.
We want you to understand what you are buying.
Compare available options
Review the available policies and select the one that suits your trip.
Kenyan payment options
Complete your purchase using convenient local payment options where available.
Digital documentation
Receive your policy documentation digitally after successful issuance.
Support when you need it
If you are unsure which cover to choose, contact our team for assistance.
Licensed insurers
Your policy is issued by the insurance company identified in your documentation.
Always check the insurer details and policy wording before travelling.
What Information Do I Need to Get a Schengen Insurance Quote?
Getting a quote is easier when you have your travel details ready.
You may need:
- Full name as shown on passport
- Date of birth
- Passport information
- Destination
- Departure date
- Return date
- Number of travellers
- Traveller ages
- Contact details
For some policies, additional information may be required.
Tip
Have your passport and travel itinerary nearby when completing the form.
This reduces the risk of entering incorrect information.
How Early Should I Buy Schengen Travel Insurance?
You should arrange your insurance early enough to have your documentation ready for your visa application.
If your visa appointment is approaching, do not wait until the final hour.
However, you should also make sure your policy dates accurately reflect your intended travel.
A practical approach
- Confirm your intended travel dates.
- Check your visa requirements.
- Compare insurance options.
- Purchase an appropriate policy.
- Check your certificate.
- Keep a digital copy.
- Print it if your application instructions require a physical copy.
What Happens If My Schengen Visa Is Refused?
Visa refusal does not automatically mean that every insurance policy will be refunded.
Refund and cancellation conditions depend on the insurer and policy.
If your visa is refused:
- Keep your visa refusal letter.
- Check the policy's cancellation/refund conditions.
- Contact GetCovered Kenya or the issuing insurer promptly.
- Do not assume a refund is automatic.
- Ask what documentation is required.
Where the insurer's terms permit a refund before the policy begins and subject to applicable conditions, we can help guide you through the process.
Can I Cancel My Schengen Insurance?
Cancellation depends on the policy terms and the stage at which you cancel.
Some policies may allow cancellation or refund before the insurance period begins, subject to conditions or administration fees.
Other policies may have different rules.
Check your policy documents before purchasing.
Can I Extend My Schengen Travel Insurance?
If your trip is extended, contact the insurer or GetCovered Kenya before your existing policy expires.
Do not assume that an expired policy continues automatically.
An extension may be subject to:
- Insurer approval
- Maximum trip duration
- Your current location
- Policy conditions
- Additional premium
Frequently Asked Questions About Schengen Travel Insurance in Kenya
How much is Schengen travel insurance in Kenya?
The price depends on your trip duration, age, number of travellers, insurer and cover selected. GetCovered Kenya currently offers short-trip options from approximately KES 2,500, but your exact premium is calculated from your individual travel details.
What is the minimum medical cover for a Schengen visa?
The EU Visa Code specifies a minimum travel medical insurance coverage of EUR 30,000 for the applicable uniform visa requirements.
Is Schengen travel insurance mandatory?
For applicants subject to the standard uniform Schengen visa requirements, adequate travel medical insurance is required as part of the visa documentation.
Can I buy Schengen insurance online in Kenya?
Yes. You can start the quotation and purchase process online through GetCovered Kenya, subject to the available insurance options.
Can I pay for Schengen insurance using M-Pesa?
GetCovered Kenya supports convenient digital payment options including M-Pesa where available.
How quickly can I receive my Schengen insurance certificate?
Certificate delivery depends on successful payment and policy issuance. Digital delivery can be very fast, but you should not rely on last-minute processing when preparing for a visa appointment.
Does Schengen insurance cover all Schengen countries?
A qualifying policy should provide the geographical coverage required for your visa and itinerary. Check the geographical scope stated on your certificate and policy wording.
How many countries are in the Schengen Area?
The Schengen Area currently comprises 29 countries.
Does Schengen insurance cover France?
Yes, a qualifying Schengen travel insurance policy can cover travel to France where the policy's geographical coverage includes France and the applicable visa requirements are satisfied.
Does Schengen insurance cover Germany?
Yes, subject to the geographical coverage and conditions of the selected policy.
Does Schengen insurance cover Italy?
Yes, subject to the geographical coverage and conditions of the selected policy.
Does Schengen insurance cover Switzerland?
Yes. Switzerland is part of the Schengen Area, although it is not an EU member.
Do children need Schengen travel insurance?
Each traveller should be appropriately insured according to the requirements applicable to their visa application. When travelling as a family, ensure that each traveller is correctly identified on the policy documentation.
Can I buy Schengen insurance for my spouse or child?
Yes. You can purchase insurance on behalf of another traveller. Enter their details accurately so that the certificate identifies the correct insured person.
Can senior citizens get Schengen travel insurance?
Yes, although insurers may apply different age limits, premiums and medical underwriting conditions. Compare the available options carefully if you are an older traveller.
Can I get Schengen insurance if I have a pre-existing medical condition?
Possibly, depending on the insurer and policy. Pre-existing conditions can be excluded or covered subject to specific terms. Disclose information requested by the insurer and check the policy wording.
Does Schengen insurance guarantee visa approval?
No. Insurance is one component of a visa application. Purchasing compliant travel insurance does not guarantee that a visa will be issued.
What should I check on my insurance certificate?
Check your:
- Full name
- Policy number
- Insurer
- Medical cover
- Geographic coverage
- Start date
- End date
- Emergency assistance information
Correct any errors as soon as possible.
Can I use one insurance policy for several Schengen countries?
A policy with appropriate Schengen geographical coverage can cover a multi-country Schengen itinerary, subject to the policy terms.
Do I need separate insurance for France, Germany and Italy?
Not necessarily. If your policy provides the appropriate geographical coverage for the Schengen Area, one policy can cover a multi-country itinerary. Always check your certificate and policy wording.
Is EUR 30,000 enough?
EUR 30,000 is the minimum specified by the EU Visa Code for the applicable uniform visa requirement. You may choose a policy offering a higher medical limit if available and appropriate for your circumstances.
Can I buy insurance after my visa appointment?
You should follow the documentation requirements for your particular application. Because proof of travel medical insurance is part of the standard Schengen visa requirements, it is sensible to arrange the policy before submitting your application.
Can I buy insurance if my flight is not yet booked?
Visa requirements and the insurance requirements applicable to your application should be checked with the relevant authorities. A travel itinerary may be sufficient for some application processes, but do not purchase a policy with incorrect dates simply because you have not finalised your ticket.
Schengen Travel Insurance Checklist for Kenyan Applicants
Before submitting your visa application, use this checklist.
Personal details
☐ Full name matches passport
☐ Date of birth is correct
☐ Passport information is correct
☐ Date of birth is correct
☐ Passport information is correct
Travel details
☐ Departure date is correct
☐ Return date is correct
☐ Destination is correct
☐ Transit arrangements have been considered
☐ Return date is correct
☐ Destination is correct
☐ Transit arrangements have been considered
Insurance requirements
☐ Minimum applicable medical cover confirmed
☐ EUR 30,000 requirement satisfied where applicable
☐ Geographical coverage checked
☐ Full intended travel period covered
☐ Required medical benefits included
☐ Repatriation benefits checked
☐ EUR 30,000 requirement satisfied where applicable
☐ Geographical coverage checked
☐ Full intended travel period covered
☐ Required medical benefits included
☐ Repatriation benefits checked
Certificate
☐ Insurer identified
☐ Policy number shown
☐ Traveller name correct
☐ Dates correct
☐ Medical cover shown
☐ Emergency assistance information available
☐ Policy number shown
☐ Traveller name correct
☐ Dates correct
☐ Medical cover shown
☐ Emergency assistance information available
Before your appointment
☐ Digital copy saved
☐ Printed copy prepared if required
☐ Latest embassy/visa-centre checklist checked
☐ Insurance policy wording saved
☐ Printed copy prepared if required
☐ Latest embassy/visa-centre checklist checked
☐ Insurance policy wording saved
Do Not Buy Schengen Insurance Based on Price Alone
When comparing policies, the cheapest option may look attractive.
But insurance is not simply a document you buy to tick a visa checklist.
It is supposed to protect you if something goes wrong while you are abroad.
Before choosing, consider:
What is the medical limit?
What is excluded?
Is repatriation included?
What happens if my baggage is lost?
What happens if my flight is delayed?
What happens if I need emergency medical treatment?
What happens if I need assistance abroad?
Who is the actual insurer?
The right policy is one that meets the applicable visa requirements and gives you protection that makes sense for your trip.
Compare Schengen Travel Insurance in Kenya
You do not have to spend hours searching different websites and calling different insurance offices.
Start with your travel details.
We will show you the available insurance options so you can compare them before choosing.
Compare:
- Premium
- Medical cover
- Travel duration
- Insurer
- Benefits
- Policy limits
- Exclusions
- Available assistance
Then choose the policy that suits you.
Get My Schengen Insurance Quote
Need Schengen Insurance Urgently?
Have a visa appointment coming up?
Do not panic.
Start your quote online and enter your exact travel details.
If you need assistance with your application or insurance choice, contact the GetCovered Kenya team through WhatsApp.
Before contacting us, have these ready:
- Your name
- Destination
- Travel dates
- Traveller age
- Visa appointment date, if applicable
We can then help you understand the available options.
Chat With GetCovered Kenya on WhatsApp
Your Schengen Visa Checklist Starts With the Right Insurance
Applying for a Schengen visa can feel complicated.
There are forms to complete, documents to organise, appointments to attend and travel arrangements to prepare.
Your travel insurance should not add unnecessary confusion.
GetCovered Kenya helps Kenyan travellers compare available travel insurance options and purchase their cover digitally.
With the right policy, you can travel knowing that you have:
✓ The required level of travel medical protection
✓ Appropriate geographical coverage
✓ Insurance documentation for your visa application
✓ Access to emergency assistance subject to your policy
✓ A digital insurance certificate
✓ A convenient way to purchase from Kenya
Get Your Schengen Travel Insurance Quote
Travelling to Europe from Kenya?
Tell us where you are going, when you are travelling and who is travelling.
Compare the available options and choose the policy that fits your trip.
Start Your Quote Today
Get Schengen Travel Insurance
Compare Options →
Related Travel Insurance
Explore more travel insurance options from GetCovered Kenya:
Travel Insurance Kenya
General travel insurance for Kenyans travelling internationally.
Explore Travel Insurance →
International Travel Insurance
Travel protection for international destinations outside the Schengen Area.
Explore International Travel Insurance →
Multi-Trip Travel Insurance
For frequent travellers making multiple international trips during the year.
Explore Multi-Trip Travel Insurance →
Senior Citizen Travel Insurance
Travel insurance options for older travellers with age-specific requirements.
Explore Senior Travel Insurance →
Group Travel Insurance
Travel insurance options for families, groups and organisations travelling together.
Explore Group Travel Insurance →
Medical Travel Insurance
Travel medical protection for eligible international trips.
Explore Medical Travel Insurance →
Important Information
Travel insurance policies are subject to the terms, conditions, limits and exclusions of the individual insurer.
GetCovered Kenya is an insurance intermediary/comparison platform and the actual insurance contract is between the insured customer and the issuing insurer.
Availability, premium, eligibility and benefits can vary between insurers and travellers.
Visa requirements are determined by the relevant authorities and can change. Always confirm the latest requirements with the embassy, consulate or official visa application centre responsible for your application.
Purchasing travel insurance does not guarantee visa approval.
Last updated: September 2026
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