Travel Insurance
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Planning a trip from Kenya? Whether you're flying to Europe for a holiday, travelling to the UK for business, visiting family in the USA, heading to the UAE, studying abroad or taking a regional trip within Africa, the right travel insurance can protect you against unexpected costs and disruptions.
With GetCovered Kenya, you can compare available travel insurance options, review the benefits and limits, choose the cover that fits your trip and buy your policy online.
Compare travel insurance options → Get a Quote
Travel insurance made simpler
- Compare available travel insurance options
- Review benefits, limits and exclusions
- Find cover for international and domestic trips
- Pay securely online
- Receive your insurance documents digitally
- Get help if you are unsure which cover suits your trip
Your trip is unique. Your travel insurance should be too.
What Is Travel Insurance?
Travel insurance is insurance designed to provide financial protection against specified risks that can arise before or during a trip.
Depending on the policy you purchase, travel insurance may provide benefits for things such as emergency medical treatment, medical evacuation, repatriation, trip cancellation or interruption, baggage loss or delay, travel delays, personal accidents and personal liability.
The important point is that travel insurance policies are not identical.
Two policies may both be described as travel insurance while offering different medical limits, benefit limits, exclusions, excesses, destinations and conditions.
That is why comparing the policy not just the price is important.
When you buy travel insurance through GetCovered Kenya, you can review the available options for your trip before selecting a policy.
Ready to compare? → Get a Travel Insurance Quote
Why Do You Need Travel Insurance?
International travel can be expensive enough without an unexpected medical emergency, cancelled journey or lost baggage adding to the bill.
A relatively small travel insurance premium can provide access to benefits designed to protect you against specified risks during your journey.
Consider some of the situations a traveller could face:
- You become seriously ill while overseas.
- You require emergency medical treatment.
- You need medical evacuation.
- Your trip has to be interrupted because of a covered event.
- Your baggage is lost or delayed.
- Your flight is delayed and you incur eligible additional expenses.
- A covered event forces you to cancel your trip.
- You accidentally cause damage to a third party and face an eligible liability claim.
The actual protection depends on the policy.
Travel insurance is therefore not simply about finding the cheapest premium. It is about finding a policy whose coverage, limits, exclusions and conditions make sense for your particular journey.
What Does Travel Insurance Cover?
Travel insurance coverage varies between insurers and policies. Common benefits can include the following.
Emergency Medical Expenses
Medical treatment abroad can be expensive, particularly in countries where healthcare costs are high.
Depending on the policy, travel insurance may cover eligible emergency medical treatment resulting from an illness or injury occurring during the insured trip.
Check the policy for:
- medical benefit limits
- eligible treatment
- hospitalisation
- outpatient treatment
- emergency dental treatment
- excesses
- exclusions
- geographical limits
Do not assume that every medical expense is automatically covered.
Emergency Medical Evacuation
If you suffer a serious medical emergency in a location where appropriate treatment is unavailable or difficult to access, your policy may provide emergency medical evacuation subject to its terms.
This can be particularly relevant when travelling to remote destinations, participating in certain activities or visiting areas where specialist medical facilities are limited.
Medical evacuation can be extremely expensive without appropriate insurance.
Always check whether your policy includes evacuation and what conditions apply.
Medical Repatriation
Some travel insurance policies provide for repatriation where the insured person needs to be returned to their home country for medical reasons covered under the policy.
For travellers from Kenya, this can be an important benefit to understand before purchasing international travel insurance.
If you are travelling for a visa application, also check whether the destination authority specifically requires medical repatriation.
For example, Schengen travel insurance requirements include emergency medical assistance, hospitalisation and medical repatriation with at least EUR 30,000 of cover and validity throughout the Schengen area for the relevant stay.
Trip Cancellation
Some policies provide benefits when a trip has to be cancelled because of a specified covered event.
This does not mean that you can cancel your holiday for any reason and automatically receive your money back.
Covered reasons, eligibility conditions, limits and documentation requirements vary by policy.
Before buying, check:
- what cancellation reasons are covered
- how much can be claimed
- whether non-refundable bookings qualify
- when cancellation cover starts
- what evidence the insurer requires
Trip Interruption or Curtailment
A trip may sometimes have to end earlier than planned because of an unexpected covered event.
Depending on the policy, travel insurance may provide benefits for eligible additional travel expenses or unused prepaid arrangements.
Read the policy wording carefully to understand what qualifies as an interruption or curtailment.
Lost, Stolen or Delayed Baggage
Baggage cover may provide compensation for specified losses involving checked or personal baggage.
Depending on the policy, this may include:
- baggage lost by an airline
- baggage stolen
- baggage damaged
- baggage delayed
- essential purchases following a covered baggage delay
There are normally limits for individual items and categories of belongings.
Some items may also require special conditions or may be excluded.
Keep receipts and any documentation from the airline or relevant authorities if you need to make a claim.
Travel Delay
Travel delays can result in additional accommodation, transport or other expenses.
Some travel insurance policies provide benefits when a delay meets the conditions specified in the policy.
The policy may specify:
- minimum delay period
- maximum benefit
- eligible expenses
- documentation required
Always check these conditions rather than assuming every delay is covered.
Personal Accident
Travel insurance may include personal accident benefits for specified accidental events.
These benefits can include compensation for accidental death or permanent disability, subject to the policy's definitions, limits and conditions.
Personal Liability
Some travel insurance policies provide personal liability cover for certain claims made against the insured traveller.
For example, the policy may respond to eligible third-party claims arising from accidental injury or accidental damage to property.
Liability cover is subject to exclusions and limits, so check the policy wording before relying on it.
24/7 Emergency Assistance
International emergencies can be difficult to manage when you are unfamiliar with the local healthcare system or language.
Depending on the policy, an assistance service may help with matters such as medical coordination, emergency arrangements and other covered travel emergencies.
Before travelling, save the emergency assistance contact details contained in your policy documents.
Travel Insurance Coverage at a Glance
Benefit What it may cover What to check
Emergency medical | Eligible emergency treatment | Medical limit and exclusions
Hospitalisation | Eligible hospital expenses | Policy conditions
Medical evacuation | Emergency transport | Eligibility and limits
Repatriation | Returning home for covered medical reasons | Conditions and destination
Trip cancellation | Certain prepaid losses | Covered reasons
Trip interruption | Certain costs when a trip is cut short | Qualifying events
Baggage | Specified loss, theft or damage | Item and total limits
Baggage delay | Eligible essential purchases | Delay period
Travel delay | Certain additional expenses | Minimum delay and limits
Personal accident | Specified accidental events | Benefit schedule
Personal liability | Certain third-party claims | Exclusions and limits
Emergency assistance | Assistance during covered emergencies | Assistance contact
Emergency medical | Eligible emergency treatment | Medical limit and exclusions
Hospitalisation | Eligible hospital expenses | Policy conditions
Medical evacuation | Emergency transport | Eligibility and limits
Repatriation | Returning home for covered medical reasons | Conditions and destination
Trip cancellation | Certain prepaid losses | Covered reasons
Trip interruption | Certain costs when a trip is cut short | Qualifying events
Baggage | Specified loss, theft or damage | Item and total limits
Baggage delay | Eligible essential purchases | Delay period
Travel delay | Certain additional expenses | Minimum delay and limits
Personal accident | Specified accidental events | Benefit schedule
Personal liability | Certain third-party claims | Exclusions and limits
Emergency assistance | Assistance during covered emergencies | Assistance contact
Important: Benefits, limits, exclusions and conditions differ between insurance policies. Review the policy schedule and full policy wording before purchase.
How Much Does Travel Insurance Cost in Kenya?
The cost of travel insurance in Kenya depends on several factors.
There is no single price that applies to every traveller.
Your premium may depend on:
- destination
- length of the trip
- traveller's age
- number of travellers
- level of medical cover
- type of policy
- selected benefits
- geographical area
- activities planned during the trip
- underwriting requirements
- insurer and product selected
A seven-day trip to Europe may therefore have a different premium from a seven-day trip to the USA, even where the traveller and dates are otherwise similar.
Likewise, annual multi-trip insurance may be priced differently from buying individual single-trip policies.
Why you should compare travel insurance prices
Price is useful, but it should not be the only comparison.
A cheaper policy may have:
- a lower medical limit
- lower baggage benefits
- fewer covered events
- higher excesses
- more exclusions
- narrower geographical coverage
When comparing travel insurance in Kenya, look at price and protection together.
Compare available travel insurance quotes →
What Determines Travel Insurance Cost?
Understanding the factors behind your premium makes it easier to compare quotes.
Destination
Healthcare costs, travel risks and underwriting requirements can vary between countries and regions.
Trip Duration
A longer trip generally exposes the insurer to risk for a longer period and can therefore affect the premium.
Traveller Age
Age can affect eligibility, underwriting and pricing for some products.
Medical Cover
A policy with a higher medical limit or broader benefits may cost more than a basic option.
Number of Travellers
A family or group policy will be priced differently from an individual policy.
Type of Travel
Business travel, student travel, adventure travel and long-stay travel may require different types of cover.
Additional Benefits
Optional benefits and extensions can affect the final premium.
The most accurate way to know your price is to enter your actual trip details and obtain a quote.
Types of Travel Insurance in Kenya
Different travellers have different insurance needs.
Single-Trip Travel Insurance
Designed for one specific journey.
It can be suitable for:
- holidays
- business trips
- family visits
- short overseas stays
- one-off international travel
Annual Multi-Trip Travel Insurance
Designed for people who travel several times during a year.
Instead of arranging a separate policy for every journey, an annual multi-trip policy can provide cover for multiple eligible trips during the policy period, subject to its terms and maximum trip-duration limits.
This may be worth considering if you travel frequently.
Explore Multi-Trip Travel Insurance →
Schengen Travel Insurance
If you are applying for a Schengen visa from Kenya, travel medical insurance is part of the visa documentation requirements.
The EU Delegation to Kenya states that the insurance should cover at least EUR 30,000, be valid throughout the Schengen countries and cover the relevant duration of the stay.
Requirements can be specific to the application and relevant authority, so always verify current requirements before submitting your visa application.
Get Schengen Travel Insurance →
International Travel Insurance
International travel insurance is designed for eligible trips outside Kenya.
Depending on the policy, it can provide benefits for emergency medical expenses, evacuation, repatriation, baggage, cancellation, interruption and other covered travel risks.
The geographical scope differs between policies.
Always check that your destination is included before purchasing.
Medical Travel Insurance
Medical travel insurance focuses on protection against specified medical emergencies while travelling.
This can be particularly important when travelling to destinations where medical treatment is expensive.
If you have a pre-existing medical condition, do not assume it is covered. Disclosure and underwriting requirements may apply.
Family and Group Travel Insurance
Families and groups travelling together may be able to arrange travel insurance covering multiple travellers under an eligible policy.
This can be useful for:
- family holidays
- school trips
- corporate travel
- organised groups
- couples travelling together
Check the policy's age limits, individual benefit limits and conditions for every traveller.
Senior Travel Insurance
Older travellers may have different insurance requirements, particularly around medical benefits and eligibility.
Some products have specific age limits or underwriting requirements.
If you are travelling as a senior traveller, compare policies based on age eligibility, medical benefits, exclusions and destination coverage rather than price alone.
Student Travel Insurance
Students travelling from Kenya for study may need insurance for longer periods and may have requirements imposed by their university, institution or destination country.
A short single-trip holiday policy may not be appropriate for a long-term student placement.
Check the duration, medical benefits, country requirements and any institution-specific insurance requirements before purchasing.
Travel Insurance by Destination
Your destination matters when choosing travel insurance.
Different countries can have different visa requirements, healthcare costs and insurance expectations.
Travel Insurance for Europe
Travelling to Europe from Kenya?
If you are visiting a Schengen country, check the specific Schengen insurance requirements before purchasing.
If your destination is outside the Schengen area, the applicable visa and insurance requirements may be different.
See Schengen Travel Insurance →
Travel Insurance for the UK
Travellers from Kenya visiting the UK should consider emergency medical costs, trip duration, baggage, cancellation and other benefits relevant to their journey.
Visa and immigration requirements are separate from the insurance benefits themselves, so check the current requirements applicable to your trip.
Travel Insurance for the USA
Medical treatment in the United States can be extremely expensive.
Travellers should therefore pay particular attention to:
- emergency medical limits
- hospitalisation
- evacuation
- repatriation
- exclusions
- deductibles or excesses
Do not select a policy based solely on the lowest premium.
Travel Insurance for Canada
If you are travelling from Kenya to Canada, compare medical limits, emergency assistance, evacuation, repatriation, baggage and other benefits relevant to your trip.
If your visa or immigration application has specific insurance requirements, verify those requirements with the relevant Canadian authority.
Travel Insurance for the UAE
Travellers heading to Dubai, Abu Dhabi or elsewhere in the UAE should consider the duration of the trip, medical cover, baggage, delays, cancellation and any destination-specific requirements.
Travel Insurance for Africa
Travel insurance can also be relevant for regional travel within Africa.
Your policy's geographical coverage determines where the insurance applies.
Check whether your destination and the countries you will transit through are included.
Is Travel Insurance Mandatory?
Travel insurance is not universally mandatory for every trip.
However, some countries, visa categories and travel situations require evidence of insurance.
Schengen visa applicants, for example, must provide qualifying travel medical insurance that meets the applicable requirements. The EU Delegation to Kenya states a minimum of EUR 30,000 medical cover and validity throughout the Schengen countries for the duration of the stay.
Other destinations may have different requirements.
Before travelling, check the current requirements of:
- the embassy
- consulate
- immigration authority
- visa application centre
- destination government
Insurance requirements can change, so do not rely on an old checklist or another traveller's experience.
Who Should Buy Travel Insurance?
Travel insurance can be relevant to almost anyone travelling outside their normal place of residence, particularly where unexpected medical or travel-related costs could create a significant financial burden.
It may be particularly useful for:
Holiday Travellers
Protect a trip you've spent months planning and paying for.
Business Travellers
Consider medical, cancellation, interruption and other benefits relevant to frequent business travel.
Families
Review cover for every member of the family, including children.
Students
Look for policies appropriate for the duration and requirements of your study abroad programme.
Senior Travellers
Pay close attention to age eligibility, medical cover and exclusions.
Frequent Travellers
Consider whether an annual multi-trip policy may be more practical.
Adventure Travellers
Check whether planned activities are covered before participating.
What Does Travel Insurance Usually Not Cover?
Travel insurance is not a blank cheque.
Common exclusions can include certain circumstances involving:
- undeclared pre-existing medical conditions
- intentional or self-inflicted injury
- fraudulent claims
- alcohol or drug-related incidents where excluded
- unattended belongings
- excluded activities
- travelling against medical advice
- losses outside the policy period
- excluded destinations
- events specifically excluded by the policy wording
The exact exclusions vary between insurers.
This is why you should read the policy schedule, certificate and full policy wording before relying on your cover.
If you are unsure about a particular activity or medical condition, ask before purchasing.
How to Compare Travel Insurance in Kenya
Don't compare travel insurance on price alone.
Use these questions when comparing policies.
1. What is the medical limit?
Medical cover is one of the most important benefits to understand.
2. Is emergency evacuation included?
Especially important if you will be travelling in remote areas.
3. Is medical repatriation covered?
Check the conditions and limits.
4. What happens if my trip is cancelled?
Understand exactly which cancellation reasons qualify.
5. What happens if my baggage is lost?
Look at both the overall limit and the per-item limits.
6. What is the policy excess?
An excess can affect the amount you receive when making an eligible claim.
7. Are my planned activities covered?
Do not assume that skiing, diving, mountaineering, safari activities or other higher-risk activities are automatically covered.
8. Are there age restrictions?
Some products have specific age eligibility requirements.
9. Does the policy meet my visa requirements?
This is especially important for Schengen and other destinations with mandatory insurance requirements.
10. What are the exclusions?
Read them before purchasing, not after something goes wrong.
The cheapest policy isn't necessarily the most suitable policy.
The right comparison is:
premium + benefits + limits + exclusions + conditions + destination requirements.
How to Buy Travel Insurance Online in Kenya
Buying travel insurance does not need to involve visiting multiple insurance offices.
With GetCovered Kenya, the process is designed to help you compare available options digitally.
Step 1: Enter your trip details
Provide information such as:
- destination
- travel dates
- number of travellers
- traveller details
- other information required for quotation
Step 2: Compare available options
Review the available policies based on factors such as:
- premium
- medical benefits
- benefit limits
- insurer
- destination
- policy type
- exclusions and conditions
Step 3: Choose your policy
Select the policy that fits your trip and requirements.
Step 4: Make payment
Use the available payment method shown during the purchase process.
Step 5: Receive your policy documents
Once the policy is issued, keep your certificate and policy documents accessible throughout your journey.
For visa applications, make sure the certificate contains the information required by the relevant authority before submitting your application.
Compare Travel Insurance Quotes →
What Documents Should You Keep When Travelling?
After buying your travel insurance, don't simply save the certificate somewhere and forget about it.
Keep access to:
- insurance certificate
- policy schedule
- full policy wording
- emergency assistance contact
- insurer contact details
- policy number
- passport
- flight itinerary
- accommodation details
If you have an emergency, having these documents available can make it easier to contact the appropriate assistance provider.
How Do Travel Insurance Claims Work?
If something happens during your trip, contact the assistance provider or insurer as soon as reasonably possible where the policy requires or recommends this.
A typical claim may involve:
1. Reporting the incident
Notify the insurer or assistance provider.
2. Getting the required treatment or assistance
Follow the instructions provided by the insurer or assistance network.
3. Keeping documentation
Depending on the claim, you may need:
- medical reports
- invoices
- receipts
- police reports
- airline reports
- baggage documentation
- cancellation documentation
- proof of payment
- travel documents
4. Submitting the claim
Follow the insurer's claims process and provide the required supporting documentation.
5. Assessment
The underwriting insurer assesses the claim against the policy terms, conditions, limits and exclusions.
6. Settlement
If the claim is covered and approved, the insurer settles it according to the applicable policy terms.
Important: GetCovered Kenya helps customers access and purchase insurance, but claims are assessed and settled by the insurer that underwrites the policy.
Travel Insurance Checklist Before You Buy
Before paying for your policy, check:
☐ My destination is covered
☐ My travel dates are correct
☐ Every traveller's details are correct
☐ The medical limit is appropriate
☐ Emergency evacuation is covered where required
☐ Repatriation is covered where required
☐ I understand the baggage limits
☐ I understand the cancellation and interruption benefits
☐ My planned activities are covered
☐ I understand the exclusions
☐ I know the policy excess
☐ The policy meets my visa requirements, if applicable
☐ I have the emergency assistance contact
☐ I have reviewed the policy wording
☐ My travel dates are correct
☐ Every traveller's details are correct
☐ The medical limit is appropriate
☐ Emergency evacuation is covered where required
☐ Repatriation is covered where required
☐ I understand the baggage limits
☐ I understand the cancellation and interruption benefits
☐ My planned activities are covered
☐ I understand the exclusions
☐ I know the policy excess
☐ The policy meets my visa requirements, if applicable
☐ I have the emergency assistance contact
☐ I have reviewed the policy wording
If you are travelling for a visa application, verify the current insurance requirements with the relevant embassy or visa authority.
Frequently Asked Questions About Travel Insurance in Kenya
How much does travel insurance cost in Kenya?
The price depends on factors such as your destination, trip duration, age, number of travellers, policy type, coverage limits and underwriting requirements. The most accurate price comes from entering your actual trip details and requesting a quote.
Where can I buy travel insurance in Kenya?
You can purchase travel insurance through insurance companies, licensed intermediaries and insurance comparison/distribution platforms. GetCovered Kenya allows travellers to compare available travel insurance options and purchase eligible policies online.
Can I buy travel insurance online in Kenya?
Yes. Travel insurance can be purchased online where the insurer or intermediary provides a digital purchase process. With GetCovered Kenya, you can enter your trip details, compare available options and purchase your selected policy online.
Can I pay for travel insurance using M-Pesa?
Payment methods depend on the product and checkout options available at the time of purchase. Where M-Pesa is available, it can be used as a convenient payment option.
Is travel insurance mandatory?
Not for every trip. Some destinations and visa categories have mandatory insurance requirements. Schengen visa applications, for example, require qualifying travel medical insurance meeting specified requirements.
How much medical cover do I need for Schengen?
The EU Delegation to Kenya states that Schengen travel medical insurance should provide at least EUR 30,000 of coverage and be valid throughout the Schengen countries for the relevant duration of the stay.
Does travel insurance cover lost luggage?
Some policies provide benefits for covered baggage loss, theft or damage, subject to limits, exclusions and conditions. Check both the overall baggage limit and any per-item limits.
Does travel insurance cover flight cancellation?
Some policies provide trip cancellation benefits for specified covered reasons. Cancellation for any reason is not automatically covered.
Does travel insurance cover medical emergencies?
Many travel insurance policies provide emergency medical benefits, subject to the policy's limits and conditions. The level of cover differs between policies.
Does travel insurance cover pre-existing medical conditions?
Not automatically. Pre-existing conditions may be excluded, subject to specific terms or require disclosure and underwriting. Ask the insurer before purchasing if you have a pre-existing condition.
Can I buy travel insurance for my family?
Yes, family travel insurance products may be available depending on the insurer and product. Check eligibility, age limits and whether benefits apply individually or collectively.
What is annual multi-trip travel insurance?
It is a policy designed to cover multiple eligible trips during a defined policy period, subject to the policy's conditions and maximum duration for individual trips.
Can I buy travel insurance for a student travelling abroad?
Yes, student travel insurance may be available. Students should check the duration of cover and any insurance requirements imposed by their institution or destination.
Does travel insurance cover safari activities?
It depends on the policy and activity. Do not assume that every safari or adventure activity is automatically covered. Check the policy's activity exclusions and conditions before travelling.
Does travel insurance cover the USA?
Travel insurance products can cover eligible trips to the USA, subject to the policy's geographical limits and conditions. Travellers should pay particular attention to medical benefit limits because healthcare costs can be substantial.
Can I buy travel insurance after booking my flight?
In many cases, travel insurance can be purchased after booking a flight, but the timing of purchase can affect eligibility for certain benefits such as cancellation. Check the policy terms before buying.
What happens if my visa is rejected?
Whether you can receive a refund depends on the policy and insurer's terms. Do not assume that visa rejection automatically means the premium is refundable.
How do I make a travel insurance claim?
Contact the insurer or assistance provider as soon as reasonably possible and follow the claims process. Keep relevant evidence such as receipts, medical reports, police reports, airline documentation and proof of the loss.
What should I compare when buying travel insurance?
Compare the premium alongside medical limits, evacuation, repatriation, baggage benefits, cancellation, interruption, excesses, exclusions, geographical coverage and any visa requirements.
Compare Travel Insurance in Kenya
Travel insurance should match your trip—not just your budget.
Tell us where you are going, when you are travelling and who is travelling.
We'll show you the available options so you can compare the cover before making your decision.
Compare travel insurance quotes
Get Your Travel Insurance Quote →
Need help?
If you are unsure what type of travel insurance you need, contact the GetCovered Kenya team for assistance.
WhatsApp GetCovered Kenya →
Important Information
Travel insurance products are subject to the terms, conditions, benefit 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.
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