Best Overseas Student Travel Insurance

Each year, thousands of students from Kenya travel overseas to pursue primary, secondary, undergraduate and postgraduate studies. The most common destinations for Kenyan students include USA, Canada, India, Australia, South Africa and many parts of Europe. In addition, many education agencies in Kenya are helping Kenyan students to access study opportunities overseas, they assist students to get school/university admissions, accommodations and travel arrangements. May and June months are very active on the education calendar, many overseas universities hold exhibitions in the country to attract scholars. One of the requirements for a student going overseas is a travel insurance cover. This is mainly mandated by the respective embassies when students are applying for their student visa from Kenya.

WHY Student travel insurance?

A student cover is critical to guarantee peace of mind for the student and their parents/guardians. It covers against emergency medical expenses, emergency repatriation and public liabilities while the student is overseas. The student travel insurance is different from a traditional travel insurance policy because it allows for a continuous stay for over 90 days. Traditional policies don’t allow for any single journey to be more than 90 continuous days.

When buying a student travel insurance plan, note to check the geographical region covered and also the age restriction of the applicant. Some policies limit the maximum age of the student to 25 or 35 years while others are open. Below we look at some of the popular student travel insurance policies in Kenya.


Occidental has some of the most affordable travel insurance packages on the Kenyan market. Partnered with MAPFRE, it offers travel insurance covers from as low as USD 10 for travel up to 8 days.

For students going to study outside Kenya, it offers 2 distinct packages namely CLASSIC and PREMIUM. Both packages offer cover worldwide except in the country of residence (Kenya). The CLASSIC package offers emergency medical expenses limit of USD 60,000 while the PREMIUM packages goes up to SD 100,000. Most of the other benefits are fairly similar ranging from dental care, repatriation, legal defence, personal civil liability etc

When it comes to cost, the CLASSIC package starts at USD 299 for travel of up to 6 months while the PREMIUM starts at USD 366 for the same duration


AIG Kenya is the leader in travel insurance covers on the market, it offers 6 packages for overseas travel and also for foreigners visiting and travelling within Kenya. For Kenyan students pursuing their studies outside, it has 1 package which is worldwide. It has an emergency medical expenses limit of USD 60,000 which also includes cover for dental and optical expenses. The package also covers for journey cancellation and curtailment, delay and loss of baggage and also bodily injury and material damage liabilities up to USD 50,000. For the pricing, it starts at USD 200 for up to 3 months of duration and goes to USD 350 for the annual policy.
Note: The students on this policy can only be 16 years and not more than 35 years.


UAP Old Mutual is one of the power houses in the financial services in the region. In Kenya it is also a general insurance provider. For travel insurance, it has partnered with Inter Partner Assistance to offer coverage for travellers worldwide. It offers 7 packages for travel insurance customers and one of them is the Student plan. It covers up to USD 75,000 for emergency medical expenses limit and aggregate limit. It also has a limit of USD 200 for both dental and optical medical expenses.
The prices start from USD 112 for up to 1 month up to USD 324 for the annual package.
Note: There is a maximum age limit of 30 years for students on this package.


This is one of the most popular travel covers on the market offered by MAPFRE. It has 2 options on this policy, Worldwide OPTION 1 and Worldwide OPTION 2. Option 1 is worldwide excluding country of residence (Kenya), USA, Canada, Australia and Japan. Option 2 excludes country of residence (Kenya), it is therefore a bit more costly.
It covers up to USD 70,000 in case of emergency medical expenses and hospitalisation while abroad. It also has USD 400 for dental medical expenses. In addition it has cover for loss of ID documents and delay or loss of checked in baggage. Lastly it covers USD 10,000 for personal civil liability
The price for Option 1 starts at USD 273 for 6 months duration and USD 311 for the option 2.


CIC has 5 travel insurance packages on the market, a leading brand and still one of the most affordable especially for shorter durations. The Student plan covers up to USD 45,000 for emergency medical related expenses. The covers for other costs like dental and optical expenses, journey cancellation and curtailment, delay, and personal liability of USD 50,000. The package starts from USD 30 for up to 8 days of travel. For the annual package, the package for USD 352.
Note: The maximum limit for the age of the student under this policy is 25 years.


If you need more information on the student travel insurance policy for Kenyan student travelling overseas for their studies. Get in touch with us via our online chat, telephone or visit


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