Below is a list of insurance companies with best travel cover in Kenya:
APA Insurance
TRAVEL INSURANCE
Traveling around the globe and exploring the wonders of the world has become easier. Whether on business or pleasure you require some essentials for your trip to be complete. One of these is the APA Globetrotter Travel Cover. It provides security for unexpected emergencies and peace of mind that you will have assistance whenever you travel.
Who can be covered?
- Any person between the age of six months and 80 years.
- A traveler within and outside Kenya.
- Tourists – while in Kenya.
- Persons on business trips.
Who can be covered?
- You have comprehensive coverage against local and international travel risks and hazards anywhere in the world.
- You are covered from the time you leave your usual place of residence or business until your return for a period of up to 180 days.
24 Hour Assistance
You will have access to 24 hours assistance in any emergency including:
- Rescue and Evacuation in the event of an accident or illness.
- Emergency Medical Treatment.
Features
The cover caters for the following:
Personal accident
You and/or your beneficiaries will receive compensation should you be involved in an accident that results in:
- Injuries
- Disability
- Death
Medical expenses
You will have your expenses arising directly out of the following covered:
- Evacuation or repatriation following accidental injury or illness.
- Emergency Dental Care.
Personal liability
You are covered should you be found to be legally liable in the event of:
- Accidental damage to property belonging to a third party.
- Accidental loss or damage to property belonging to a third party.
Travel delay/ missed departure
You will be compensated for eventual delay of booked flights, including accommodation up to the amount shown in the benefits schedule.
Hijack
If you cannot reach your destination as a result of a hijacking, the cover compensates USD 100 for each full 24 hour period up to a maximum of 10 days or USD 1000.
Loss of baggage & documents
- You are covered for loss of passport or essential documents while traveling.
- Loss or damage to checked baggage or personal effects.
- Delay in delivery of baggage checked in by and I.A.T.A affiliated airline.
Benefits
PA GLOBETROTTER TRAVEL INSURANCE
SCHEDULE OF COMPENSATION
The schedule of compensation applicable under each section of this policy for each insured during each period of travel.
| BENEFITS | AFRICA | ASIA | EUROPE | WORLDWIDE BASIC | WORLDWIDE SUPERIOR | SILVER | PLATINUM | EXCESS |
| Medical Section | ||||||||
| EMERGENCY MEDICAL EXPENSES | $15,000 | $15,000 | $75,000 | $100,000 | $150,000 | $200,000 | $250,000 | $100 |
| Medical Evacuation In Case Of Illnesses Or Accident | $5,000 | $5,000 | $15,000 | $15,000 | $25,000 | $30,000 | $50,000 | $100 |
| Emergency Dental Care | $ 350 | $ 350 | $ 500 | $ 500 | $ 600 | $ 750 | $ 750 | $ 50 |
| Daily Hospital Benefits | 50 per day Max 500 |
50 per day Max 500 |
50 per day Max 500 |
50 per day Max 500 |
75 per day Max 500 |
75 per day Max 500 |
75 per day Max 500 |
24 hours |
| REPATRIATION OF FAMILY MEMBER TRAVELLING WITH INSURED | $ 1,000 | $ 1,000 | $ 2,500 | $ 3,000 | $ 3,500 | $ 4,000 | $ 5,000 | – |
| Repatriation of Mortal Remains/ Burial Expenses | $3,000 | $3,000 | $5,000 | $5,000 | $7,500 | $7,500 | $10,000 | – |
| Follow Up Treatment In Kenya | $250 | $250 | $500 | $500 | $750 | $1,000 | $1,500 | $50 |
| Travel of One Immediate Family Member | $1,000 | $1,000 | $1,500 | $1,750 | $2,000 | $2,500 | $3,000 | – |
| Emergency Return Home Following Death of a Close Family Member | Covered | Covered | Covered | Covered | Covered | Covered | Covered | – |
| PERSONAL ACCIDENT | $ 5,000 | $ 5,000 | $15,000 | $ 25,000 | $ 30,500 | $ 35,000 | $ 40,000 | – |
| Loss of Checked Baggage | $250 | $500 | $1,000 | $1,000 | $1,500 | $2,500 | $3,500 | $100 |
| Delay of Checked Baggage | $100 | $200 | $500 | $1,000 | $1,500 | $2,500 | $3,500 | $100 |
| TRAVEL DELAY | $ 100 | $ 200 | $ 350 | $ 350 | $ 500 | $ 500 | $ 750 | $ 50 per 6 hours |
| Missed Departure | $ 100 | $ 200 | $ 500 | $ 500 | $ 650 | $ 750 | $ 1,000 | $ 50.00 |
| LOSS OF PASSPORT | $ 100 | $ 200 | $ 200 | $ 250 | $ 250 | $ 300 | $ 500 | $50.00 |
| Legal Assistance | $ 5,000 | $ 7,500 | $ 7,500 | $ 10,000 | $ 10,000 | $ 12,500 | $ 15,000 | – |
| HIJACK | $ 500 | $ 500 | $ 800 | $ 1,000 | $ 1,000 | $ 1,300 | $ 1,500 | 12 hours |
| – | $ 100 per 24 hrs | $ 100 per 24 hrs | $ 100 per 24 hrs | $ 100 per 24 hrs |
$ 100 per 24 hrs |
$ 100 per 24 hrs | $ 100 per 24 hrs |
– |
| TRIP CANCELLATION AND CURTAILMENT | $ 750 | $ 750 | $ 1,000 | $ 1,500 | $ 2,000 | $ 2,500 | $ 3,500 | $ 150 |
| ADVANCE BAIL BOND | $ 5,000 | $ 5,000 | $10,000 | $ 10,000 | $ 12,500 | $ 15,000 | $ 20,000 | – |
| PERSONAL LIABILITY | $25,000 | $25,000 | $75,000 | $ 100,000 | $ 150,000 | $250,000 | $ 300,000 | $ 250 |
Charges
| PREMIUM PER PERSON | AFRICA | ASIA | EUROPE | WORLDWIDE BASIC | WORLDWIDE SUPERIOR | SILVER | PLATINUM |
| 1 to 7 days | $ 14 | $ 29 | $ 26 | $ 28 | $ 32 | $ 34 | $ 50 |
| 8 to 10 days | $ 19 | $ 37 | $ 31 | $ 41 | $ 52 | $ 68 | $ 90 |
| 11 to 15 days | $ 27 | $ 46 | $ 41 | $ 41 | $ 53 | $ 97 | $ 165 |
| 16 to 21 days | $ 32 | $ 61 | $ 55 | $ 67 | $ 79 | $ 125 | $ 185 |
| 22 to 30 days | $ 40 | $ 75 | $ 67 | $ 98 | $ 106 | $ 165 | $ 215 |
| 31 to 60 days | $ 68 | $130 | $ 125 | $ 155 | $ 185 | $ 250 | $ 294 |
| 61 to 90 days | $ 90 | $180 | $ 170 | $ 255 | $ 235 | $ 310 | $ 349 |
| 91 to 180 days | $ 140 | $280 | $ 276 | $ 290 | $ 305 | $ 370 | $ 390 |
| Annual Multi Trip (maximum any one trip 45 days) | $ 210 | $210 | $ 235 | $ 300 | $ 375 | – | – |
| Annual Multi Trip (maximum any one trip 60 days) | $ 235 | $235 | $ 280 | $ 350 | $ 450 | – | – |
| Annual Multi Trip (maximum any one Trip 90 days) | $ 250 | $250 | $ 355 | $ 465 | $ 500 | – | – |
| Student Rate (age up to 40 years) | – | – | – | – | – | – | – |
| 180 days | $ 180 | $180 | $ 265 | $ 285 | $ 350 | – | – |
| 365 days | $ 235 | $235 | $ 310 | $ 350 | $ 500 | – | – |
Old Mutual Insurance
Travel Insurance
What’s in it for you?
This policy provides cover against medical expenses related to illness or injuries including hospital and doctor’s costs, prescription medication, surgery, evacuation and repatriation. We will cover the following:
- Personal Accident Insurance cover in the event of death or permanent total disability following an accident. Medical expenses following an accident are covered under the Medical section
- Personal Liability in a case where the insured becomes legally liable for accidental death, bodily injury or illness of any person or loss or damage to property
- Journey Cancellation-Cover for nonrefundable incase the insured must cancel the journey as a result of illness, injury or death
- Cover for nonrefundable and additional payments incurred to return home as a result of illness, injury or death
- Cover Pandemic as declared by WHO on Cancellation and Curtailment, Medical Expenses, Medical Evacuation or repatriation
How does it work?
- You can take our Travel Insurance per trip or annually if you are a frequent traveller
- There are various options of our Travel Insurance to select from whether you are travelling for business or taking a holiday, we have a cover for your specific needs
How do I make premium payments?
- Cheque
- Bank Transfer
- Mobile Money
- Visa/Credit Card
Old Mutual General Insurance Bank Details
Bank Name: ABSA
Account Name: Old Mutual General Insurance Kenya Limited
Account Number: 0451426397
Branch Name: Hurlingham Branch
Branch Code: 03045
Swift code: BARCKENX
For mobile money; kindly follow the below steps:
- Go to M-PESA on your phone menu
- Select Payment services
- Select Pay Bill Option
- Enter UAP Business Number- 505800
- Enter the code sent via Text starting with TR……
- Enter the premium amount
- Enter your M-PESA PIN
- Confirm details and press OK
How do I make a claim?
As soon as a covered event occurs (both emergency assistance or claims), the beneficiary or any other person acting on their behalf must immediately contact the Assistance Company centre with the insured’s unique reference number in order for the assistance company to act as soon as possible.
How do I cancel my policy?
You can cancel your policy before the policy start date by informing us in writing through Travelsure@uap-group.com and providing the following documentation:
- Completed cancellation form
- Visa rejection letter in a case visa denial by the Embassy. Please note taxes are non-refundable
AAR Insurance
Travel Insurance
Key Benefits
- Injury or Damage from Political Violence: You’re covered.
- Emergency Airlifts: Available locally and internationally.
- Nutrition Advice: Stay healthy while you travel.
- 24/7 Support: Call our Contact Centre anytime.
- Health Alerts: Stay informed with health camps and updates on your phone.
What is Covered
Enjoy these benefits:
- Emergency medical expenses.
- Compensation for lost personal property, money, or documents.
- Compensation for trip cancellations.
- Protection against hijacking or detention.
- Luggage protection.
- Personal liability coverage.
- Emergency assistance through our Assistance Company Alarm Centre (reverse charge calls accepted).
Requirements
To sign up, you’ll need:
- Be a Kenyan resident.
- Newborns from discharge up to 64 years.
- KRA PIN.
Exclusions
The following are not covered:
- Hearing aids, vaccinations outside KEPI guidelines, and general health check-ups.
- Venereal diseases, fertility treatments, or cosmetic surgeries unrelated to accidents.
- Injuries from war, riots, or extreme sports.
- Alternative treatments (e.g., acupuncture, herbalists).
- Treatment not administered by registered medical practitioners.
- Claims from withheld or misstated information.
- Expenses covered by other insurances or government schemes (e.g., NHIF).
Britam Insurance
Travel Insurance
Benefits
- 24-hour emergency medical assistance
- Personal accident cover, including permanent total disability
- Compensation for travel delay
- Loss of traveler’s property
- Emergency medical expenses and evacuation
- Emergency dental care
- Repatriation of mortal remains
- Hospital benefits
- Personality liability
- Hijack coverage
- Loss of passport
- Cancellation and curtailment
- Travel delay
What is covered
- Trip cancellation or interruption
- Medical assistance
- Evacuation insurance
- Baggage and personal item loss
- Trip delays
- Lost or delayed baggage
- Medical coverage and evacuation
Standard Chartered Bank
Benefits
| Age (0-69) |
Age (0-69) |
Age (0-69) |
Age (0-69) |
|
| List of Benefits | Business Administrative | Leisure comprehensive | Schengen | Incoming |
| Limit($) | Limit($) | Limit($) | Limit($) | |
| Emergency Medical and Related Expenses | $500,000 | $500,000 | $80,000 | $400,000 |
| Emergency Medical as a result of war & Terrorism | Included | Included | Included | Included |
| Medical Transportation, Repatriation & Evacuation | Included | Included | Included | Included |
| Compassionate Emergency Visit | Included | Included | Included | Included |
| Repatriation of Children | Included | Included | Included | Included |
| Repatriation of Travel Companion | Included | Included | Included | Included |
| Burial, Cremation or Return of Mortal Remains | Included | Included | Included | Included |
| Daily Hospitalisation Cash Benefit | $25pd/$750 | $25pd/$750 | $10pd/$300 | $10pd/$300 |
| Outpatient Excess | $35 | $35 | $35 | $50 |
| Pre- Existing Emergency Medical and Related Expenses | $35,000 | $35,000 | NA | NA |
| Medical Transportation, Repatriation & Evacuation | Included | Included | NA | NA |
| Compassionate Emergency Visit | Included | Included | NA | NA |
| Repatriation of Children | Included | Included | NA | NA |
| Repatriation of Travel Companion | Included | Included | NA | NA |
| Burial, Cremation or Return of Mortal Remains | Included | Included | NA | NA |
| Accidental Death | $15,000 | $15,000 | $5,000 | $10,000 |
| Accidental Permanent Disablement | $25,000 | $25,000 | $5,000 | $20,000 |
| War and Terrorism | Included | Included | Included | Included |
| International Journey Cancellation | $2,000 | $2,000 | $1,000 | $1,000 |
| International Journey Curtailment | $2,000 | $2,000 | $1,000 | $1,000 |
| International Journey Extension | $2,000 | $2,000 | $1,000 | $1,000 |
| Excess on above | $35 | $35 | $35 | $35 |
| Travel Delay | $200 | $200 | $100 | $100 |
| Excess On Travel Delay | 6 hours | 6 hours | 6 hours | 6 hours |
| Personal Liability | $200,000 | $200,000 | $100,000 | $150,000 |
| Hijack & Hostage or Wrongful Detention – Per day | $300 | $50 | NA | $100 |
| Hijack & Hostage or Wrongful Detention – Max Limit | $9,000 | $2,000 | NA | $1,000 |
| Legal Expenses | $1,500 | $1,000 | $500 | $750 |
| Luggage | $2,000 | $2,000 | NA | $1,200 |
| Single Item Limit( 25% of Luggage Limit) | $500 | $500 | NA | $300 |
| Cash & Documents | $200 | $200 | NA | $100 |
| Excess | $25 | $25 | NA | $25 |
| Luggage Delay | $150 | $150 | NA | $100 |
| Excess | 6 hours | 6 hours | NA | 6 hours |
What is covered in Travel Insurance Policy?
- Emergency Medical and Related Expenses
• Pre-Existing Emergency Medical and Related Expenses for business & leisure comprehensive
• Accidental Death and Permanent Total Disablement
• International Journey Cancellation, curtailment or Extension
• Personal Liability
• Hijack & Hostage or Wrongful Detention
• Luggage Delay or Loss of luggage
Mayfair Insurance
Travel Insurance
During the period of travel, this policy provides cover against:
- personal accident,
- medical expenses,
- injuries or
- death
Jubilee Insurance
Travel Insurance
Why choose our Travel Insurance plan?
- With the Per Trip Plan, you can enjoy various benefits, including upfront payment of eligible medical emergency expenses. This coverage ensures that you are protected against unforeseen medical expenses, trip cancellations, or delays, preventing any disruptions to your trip.
Key Benefits
- Couple and family coverage options
- 24-hour worldwide emergency assistance
- Medical coverage up to Kes 5 million
- 24-hour worldwide emergency assistance
Pioneer Insurance
Travel Care
What is offered
As Travel becomes an increasingly popular pass time, it is crucial to have travel coverage when going abroad. Our Travel Care Insurance will provide coverage for a variety of uncertainties and outcomes so that you can feel confident about your travels!
Benefits at Glance
- Coverage for unexpected medical emergencies during your Travel.
- Get reimbursed for lost luggage
- Receive reimbursement for expenses due to delayed flights
- Reimbursement for unforeseen cancellation or rescheduling during your Trip
- Protect your most important asset – YOU
Liberty Insurance
Travel Insurance
Tailor made covers to suit your needs
- Smart Plan: Comprehensive coverage for all adventurers at competitive rates.
- Budget Plan: Essential coverage at an affordable rate for the budget-conscious traveller.
- Annual Multi-Trip: Customized insurance tailored for the frequent traveller, balancing security, affordability, and flexibility.
- Student Policies: Specialised coverage for overseas students for up to a year.
- Inbound Cover: Insurance tailored for foreign visitors to Kenya, offering protection for up to 45 days.
- Corporate Travel: Four-tiered plans (Silver, Gold, Platinum, and Platinum Plus) tailored for the unique needs of the business traveller.
- Schengen Cover: Policies that comply with visa requirements for those exploring the Schengen States.
What cover options do I need?
Although value for money is important, so is having the right level of cover when you travel. Features to look out for include:
- Medical cover
- Emergency assistance
- Cancellation of your travel
- Lost, damaged or stolen baggage
- Personal liability
- Scheduled airline failure
- Legal assistance
- Travel disruption cover
- Holiday curtailment
Can a customer get a family travel insurance policy?
Yes, one can get policies for couples, families, and other groups. Note, however, that there might be certain rules about family members or groups as shall be described in the policy document. Also, insurers ask if a customer has an existing medical condition, so it is important to make sure at the policy outset, one knows what is covered and what could potentially invalidate the policy.
Madison Group
Travel Insurance
Traveling abroad has never been so easy. Our travel insurance policy caters to any considerable financial risk that may occur should you choose to travel out of the country – whether for business or for leisure.
The risks covered include:
- Trip cancellation
- Travel interruptions and delays
- Emergency medical expenses due to sudden illness
- Medical evaluation cost in line with WHO Cancelation and Curtailment
- Lost or damaged baggage
We will also cover against any legal obligations due to accidental death, bodily injury or illness of any person or, loss or damage to property.
Occidental Insurance
Cover Summary
This is a 24 hour policy that cover sudden and unexpected risks associated with temporary travel abroad. Travelling is not without risks more so if you you are planning for a trip abroad. To protect you from these risks, we have come up with cheap and flexible travel insurance plans. Some of the risks covered include but not limited to, flight delays, baggage loss and medical expenses.
Our Plans
We understand you may be travelling to different destination for different reasons. Therefore, we have come up with various tailor-made travel insurance plans that suit your needs. If you are travelling to Africa you can buy Africa basic or Africa plus plan. For those travelling to Asia you can buy Asia basic or Asia plus plan.
Further If you are planning to travel to Europe you can get Europe Basic, Europe plus or Europe Extra. Similarly for those travelling to other parts of the world we have worldwide basic, worldwide plus and worldwide extra for you. Finally for our students they can buy either student classic or student premium plans.
Risks that are covered
- Baggage Loss
- Personal Accidents
- Personal Liabilities
- Flight delays or cancellation
- Medical assistance
- Trip curtailment
- Emergency assistance
Who can be Covered by our travel insurance
- Any person Between 3 months and 80 years old.
- Kenyan citizens and permanent residents.
- People travelling abroad.
- Individuals travelling on business trips, on vacations and students travelling abroad.
Where do you call in case of an emergency?
Assistance Company International Helpline
Telephone No.: + 44 845 217 1379,
Email: afrcosiam@mapfre.com, and refund@mapfre.com
Insured to provide:
- Passport or Identity card number.
- Assistance card or Policy number.
- Full name of the injured and the principal insured.
- The cause of the call.
- The place he/she are located (Hotel/City/Address/Phone number)
CIC Insurance
Travel insurance is designed to cover various risks associated with traveling. Here are some frequently asked questions about CIC Travel Insurance.
What is covered under travel insurance?
- Medical expenses
- Personal accident cover
- Compensation for cancellations
- Protection against personal liability
- Luggage protection
- Cover against hijacking or wrongful detention
- Compensation for loss of personal property, money or documents
How much does travel insurance cost?
The cost of travel insurance is not entirely fixed. It varies based on a few key factors including the duration of your trip, age of the traveler(s) and the level of coverage you choose (the amount of risk or liability that is covered for an individual or entity).
What is the covered period of the travel policy?
The travel policy will be providing coverage to the insured within the contracted period and for traveling period of a maximum of 92 consecutive days, including one year multi-trips for travelers and up to one year for students.
Is there an age limit on the travel insurance policy?
Yes. The maximum insured age is 80 years old.
Are pre-existing conditions covered?
Your travel policy does NOT cover pre-existing medical illnesses.
How do I choose the right travel insurance cover?
When selecting a travel insurance cover, consider the following:
- Coverage needs – Assess what types risks and liabilities that you would want covered during your trip
- Policy limits – Ensure the policy provides adequate coverage limits for medical expenses and other benefits
- Exclusions – Be keen on what is not covered by the policy
- Reputation of the insurer – Choose a reputable insurance company.
Does my travel policy cover extreme sporting activities?
No. Any hazardous or professional sport or activity and organized bodily contact sport such as football, rugby, skydiving and mountain climbing are excluded from the cover. However, winter sports can be covered at an additional premium.
When I am traveling, will I be covered in my usual country of residence?
No. The policy does not cover the country of residence of the air ticket holder. It only covers the claims that occur in the countries traveled.
What should I do in the event of an emergency?
In the event that the insured requires immediate emergency assistance, our Assistance Company alarm call centre is available 24 hours a day to assist you. The phone numbers are indicated in your policy document.
For any queries on travel insurance, get in touch with us by calling 0703099120 or email callc@cic.co.ke.