INBOUND Travel Insurance KENYA

The most popular type of travel insurance in Kenya is the Schengen travel insurance. This is taken by over 30,000 travellers annually because it is a mandatory requirement for the Schengen visa application process. Second is the international travel insurance cover for travellers to Asia, North America and the rest of Europe. Less common is the INBOUND travel insurance covers which are targeted at NON Kenya citizens / residents visiting Kenya for short stays for business or holidays. These cover the insured against emergency medical expenses, loss of baggage, personal effects, accidental death among the most important risks. Many of these travellers also tend to buy their travel insurances from their home countries before setting off. Here are 3 of the best options available locally for visitors travelling to Kenya.

AIG Inbound Travel Insurance

AIG is the leader in the travel insurance market in Kenya. From its global brand, it has taken advantage to position itself in the local market as the underwriter of choice for the mid to high end customers. It offers at least six travel insurance options and the inbound travel cover is one of them. Among the benefits of this package are Emergency medical expenses up to USD 100,000. Dental Expenses up to USD 1,000. Assistance for Cash Advances, Consular Referral, Emergency Travel and Accommodation services. In addition, it also includes a personal accident cover upon death of up to USD 25,000.
Prices start from USD 25 for up to 7 days of travel insurance.

Mount Kilimanjaro
Mount Kilimanjaro – Kenya
BRITAM Travel Insurance

BRITAM also offers 4 travel insurance plans namely Gold, Premium, Schengen and Student covers. The Premium plan also doubles as the INBOUND travel insurance for visitors coming to Kenya. It offers up to USD 100,000 for emergency medical expenses, USD 1,000 for loss of checked baggage, cover for loss of passport, hijack, cancellation and curtailment and personal liability cover of up to USD 200,000. Emergency assistance while on policy is provided by Specialty Assistance.

SPECIALTY ASSISTANCE will provide a complete medical assistance service to the Insured. Operating 24 hours a day 365 days a year, SPECIALTY ASSISTANCE provides medical assistance for the Insured anywhere in the world and can be accessed by telephone or fax:
Prices start from USD 31 for up to 7 days of travel.

UAP OLD MUTUAL Incoming Travel Insurance

UAP OLD Mutual is another underwriter offering inbound travel insurance for foreign visitors coming to Kenya. Among the 7 plans it offers, the INCOMING option is among the most popular. The product is underwritten by the French insurance giant AXA. Under this INCOMING plan, emergency medical expenses are covered up to USD 120,000. There is also a daily hospital cash benefit of USD of up to USD 250. Personal accident payouts of USD 10,000 and USD 25,000 for Accident Death and Accidental Disablement respectively. In addition, there is also cover for Baggage, Personal Effects loss of up to USD 1,000 making this a very comprehensive travel insurance.
Prices start from USD 26 for up to 8 days of travel insurance cover

Need a Quote?

Are you looking for a quote for inbound travel insurance for visitors coming to Kenya or for any other travel insurance product? Get in touch with us to compare up to 10 quotes. With over 1,000 travel insurance covers issued, you could save up to 30% on your cover. Call / start an online chat with our experience advisors or simply visit to view online quotes


Kenya Schengen Visa Fees Set to Rise

Kenyans travelling to European Union countries on a Schengen visa will pay at least KSh2,265 more in fees starting from February.

The higher charges come into force after the European Union Council adopted an updated Schengen Visa code. All Schengen visa applicants making applications after February 2020 will pay fees on this updated price structure.

Consequently, the Schengen visa fees will increase by 33.3 percent to €80 (KSh9,060) from €60 (KSh6,795) from February after the amended regulation came into force.

Children too will have to pay more at €40 (Sh4,530) instead of €35 (Sh3,964) paid currently.

The new code is, however, expending the period within which an application can be lodged from three months to six months in advance of a trip giving travellers plenty more time to plan their trips and visa applications.

What is a Schengen Visa

A Schengen visa is a short-stay permit that allows visitors to Europe to travel to any of the 26 states, which are members of the Schengen area, up to 90 days for tourism or business.

It enables the holder to enter, freely travel within, and leave the Schengen zone from any of the member countries which include Austria, Belgium, Estonia, Finland, France and Germany among other European Union nations.

An increasing number of Kenyans have been seeking Schengen visas as travel to Europe for tourism takes root, with popular destinations including Mediterranean resort cities.

According to the updated regulations, Kenyans applying through an external visa service provider may, however, have to pay up to €160 (Sh18,120) per visa application, if the external service providers set the maximum service fee permitted, which is €80.

Statistics by show that in 2018, Schengen embassies and consulates in Kenya processed 38,503 visa applications, 4,769 of which were rejected, representing an acceptance rate of 87.6 percent.

Germany was the top country for visa submission, as 6,142 of the applications submitted in Kenya were for Schengen visas to Germany, followed by France with 5,059 and the Netherlands with 4,406 applications.

In terms of expenditure, in 2018, Kenyan citizens spent €2.31 million (Sh261.6 million) on visa applications to Europe, €286,140 (Sh32.4 million) of which was spent by applicants who had their visa applications rejected.

Looking for travel insurance for a Schengen visa?

One of the requirements for a Schengen visa application is a travel insurance cover for the Schengen region of countries covering a minimum of EUROS 30,000. If you need to get the right cover, compare quotes and save up to 30%, get in touch with us. Prices start as low as KSh 2,000. Give us a call or start an online chat

Source : adapted from


Best Travel Medical Insurance for Seniors

Travel insurance is one of the most common products in the Kenyan market. Travellers are increasingly becoming aware of the value of having cover while they go about their holidays/business in foreign countries. Having the peace of mind can greatly add to the experience when traveller overseas. More insurance companies in Kenya are introducing tailored and innovative products which has also brought down the cost of travel insurance covers. This product is sometimes referred to as travel medical insurance because the emergency medical expenses liability is perhaps the most important and critical on the policy as well being the highest.

Why Travel Insurance for Seniors?

This is the age group that is generally considered to be 65 years and above. Because of their advanced age, insurance industry perceives them as slightly at more risk and so this is reason there is special travel insurance packages for this age band. Some of the reasons why this is so are below:

  • More likely to require emergency medical attention
  • More likely to lose luggage
  • At risk from pickpockets and thieves
  • More likely to miss flight connections at busy airports/stations

The below are some of the most popular and affordable travel medical insurance packages for the seniors travellers from Kenya.


Fidelity insurance is another provider that offers a unique product for the seniors market. It is a comprehensive cover with up to USD 200,000 for emergency medical expenses making it the most executive product on the Kenyan market. It covers for emergency optical and dental expense, up to USD 400 each. In addition it has generous limits for loss and theft of luggage and personal effects, luggage delay and travel delay up to USD 400 each. This cover is only available to members in the age bracket of 71-85 years.
Pricing starts at USD 74 for up to 8 days of travel.

AIG Travel Guard InsuranceAIG

AIG is one of the leading insurance companies in the world. In AIG is known for great products and top quality service in the market. It offers a number of travel insurances under the travelguard suite and one of them is the seniors cover. It has a limit for emergency medical expenses cover of USD 75,000 and USD 500 for emergency optical and dental medical expenses. It is a full comprehensive cover that also provides up to USD 1,500 for cancellation or curtailment of travel and up to USD 1,000 for theft or damage of luggage among other benefits. Travellers have to be 71-80 years of age and the cover is world wide. Pricing starts at USD 100 for the first 6 days of travel.

Benefit Limit (USD)
Medical Expenses 75,000 excess 200
Medical Evacuation, repatriation 25,000
Optical expenses – bodily injury include 500
Dental expenses – bodily injury include 500
Accidental Death 10,000
Lost Passport Assistance Assistance services
Legal Assistance Abroad 1,000
Return of mortal remains or burial expenses 20,000
Journey Cancellation 1,5000 excess 50
Journey Curtailment 1,5000 excess 50
Theft or Damage of Baggage 1,000
Baggage Single Item Limit – Theft or Damage 25% of benefit limit
Accidental Loss of Baggage 1,000
Baggage Single Item Limit – Accidental Loss 25% of benefit limit

Table showing a summary of some of the benefits of the AIG Seniors TravelGuard


UAP in partnership with Old Mutual also offers special packages for seniors travelling overseas. It is a worldwide cover with limits of up to USD 100,000 for the emergency medical expenses. It also covers up to USD 200 for emergency dental and optical expenses each. For one to qualify for this package, they must be between 76- 85 years of age. It also covers travel delays and cancellation and loss and delay of baggage. It is a full comprehensive cover in partnership with the global insurance company AXA.
Price starts from USD 103 for up to 8 days of travel.


OCCIDENTAL insurance has some of the most affordable travel covers on the market. It has partnered with MAPFRE to offer these low cost covers for Asia, Africa, Europe and Worldwide. The limits for the emergency medical expenses start from as low as USD 15,000 up to USD 100,000 depending on the option selected. All travellers from 18 years to 65 years pay full price, for example the Worldwide Extra travel insurance plan with total limit of USD 100,000 starts from USD 19 for up to 7 days travel. For those above that age group, the following rates apply.

Age band Insurance premium loading
66 – 75 50%
76 – 80 100%
81 – 90 300% (only Europe covers apply)

If you are looking for a quote for a seniors medical insurance, compare the benefits and limits, providers and last but not least the prices. Get in touch with us to explore at least 10 quotes online for your travel insurance.


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


AAR Travel Insurance

AAR insurance Kenya is one of the most well known health insurance companies in the East African market. Although the head office and largest market is in Kenya, it is also registered in Uganda and Tanzania offering health insurance covers for individuals, families, groups, SMEs and corporates.

In Kenya, AAR also offers a wide range of general insurance products after having obtained licensing from the insurance regulator IRA. It offers professional indemnity, Work Injury Benefits Act (WIBA) insurance, home insurance and travel insurance.

AAR insurance is now the second biggest medical insurance company in Kenya after Jubilee Insurance. For the calendar year 2018, AAR underwrote a total premium of KSh 5.6 billions to Jubilee’s KSh 6.7 billions of the total medical insurance premiums for the year of KSh 38.4 billions.

Travel Insurance

There are two options for travel insurance for clients of AAR. These are the travel insurance offered as part of the standard medical insurance plans and secondly, the stand-alone travel insurance plan.

Using the AAR medical insurance cover, clients are covered for medical emergencies while overseas for up to 45 days of travel, this is quite similar with health insurance plans on the market. Seasoned travellers require more coverage beyond medical expenses and these include travel delays, cancellations and also loss of baggage, all of which are not covered on this option.

The AAR travel insurance plan is the all round package for travellers, it is made up of 3 options which is the Gold, Silver and Bronze plans. Similar to other travel insurance providers, these differ in terms of the cover and limits for emergency medical expenses.

The Gold plan offers a limit up to USD 100,000, Silver Plan USD 60,000 and lastly Bronze at USD 50,000. The rest of the benefits and liabilities on these plans are quite evenly matched boasting similar covers for travel delays, cancellations and also baggage losses

Compare 10 travel insurance quotes online!

AAR insurance has a partnership with Specialty Assistance to offer emergency rescue and other services to clients overseas. The company has a wide network of providers across the globe to give customers 24hrs assistance and peace of mind. Below are their emergency contacts.

Specialty Assist Limited
Europoint, 5-11 Lavington Street, London.
SEI 0NZ Tel 020 7902 7400 Fax 020 7928 4748 Email:
London SEI 0NZ:
SEI 0NZ, T+ 44 (0) 20 7902 7405, F +44 (0) 20 7928 4748

T+1 215 489 3785, F+ l 215 489 8525

T +27 10 209 8300, F +27 10 209 8405

Asia Pacific
T +662 645 3932, F +662 645 3732

Table showing benefits and limits of liability of the AAR GOLD travel insurance cover

Travel Plan GOLD
Personal Accident – DEA TH/PTD US$25,000
Emergency Medical Expenses and related expenses US$100,000
Emergency Dental Care US$600
Repatriation of Mortal Remains US$5000
Hospital Benefits US$40 per day maximum of US$ 200
Follow Up Treatment In Your Country Of Residence US$ 1,000
Loss of Checked Baggage US$1000
Delayed Baggage US$50 per each 12 hour period of delay US$50 per 12 Hours but maximum US$250
Personal Liability US$200,000
Hijack US$50 per each 24 hour period of detention US$500
Loss of passport US$500
Cancellation and curtailment US$1000
Travel delay US$10 per 12 hrs up to a maximum of US$100
AAR Travel insurance rates

Pricing of the travel plans depends on the duration of travel and is bundled in number of days with the smallest being duration of up to 7 days. Prices start from USD 28 per for the BRONZE travel insurance plan for travel durations of up to 7 days. This is suited for customers applying for Schengen insurance as a visa requirement.

If you are shopping around for a travel insurance plan for Kenyan citizens or residents for overseas travel, get in touch with us to discuss what kind of options are available for you. Start a chat with an agent online or simply visit this page for a online comparison of covers available.

BRITAM Kenya Travel Insurance

BRITAM is one of the biggest financial corporations in the East and Central Africa listed on the Nairobi Stock Exchange under the ticker ‘BRIT’. BRITAM group offers a wide range of financial products and services in Insurance, Asset management, Banking and Property. In Kenya, it is a top 5 insurance company in General, Medical and Life insurances. It boasts the largest Direct Sales Force (DSF) in the life insurance business in Kenya.

In real estate, the BRITAM Tower in Upper Hill Nairobi is one of the most iconic buildings in Kenya soaring 195 metres and 32 floors above Nairobi’s skyline.

Travel Insurance

The BRITAM insurance policy provides 24 hours emergency medical assistance, personal accident cover, compensation for travel delay and loss of traveller’s property and other travel related contingencies arising during the trip.

BRITAM has 4 options for the travel insurance package namely GOLD, PREMIUM, SCHENGEN and STUDENT options. The highest coverage is provided by the GOLD option of up to USD 150,000 for emergency medical expenses followed by the PREMIUM option at USD 100,000.

BRITAM has partnered with Specialty Assistance, to provide complete medical assurance service to the insured worldwide. The company has offices across the globe and has a large network of medical and emergency services providers for clients while travelling overseas. For any emergencies while on travel overseas, Specialty Assistance must be contacted immediately, in the event of an Insured dying, incurring medical expenses in excess of US$500, being involved in an accident, or being admitted to hospital.

Compare 10 travel insurance quotes online!

Below is a summary of the benefits and limits available on the BRITAM Schengen travel insurance policy

Benefit/Liability Limits in USD
Personal Accident Death/PTD 10,000
Emergency medical expenses / evacuation 60,000
Emergency Dental Care 500
Repatriation of mortal remains 5,000
Hospital benefits NIL
Loss of Checked Baggage 1,0000
Delayed baggage ($50 per each 12hr period of delay ($50 per each 12hr period of delay) max 250
Personal Liability 200,000
Hijack ($50 for each 24hr period of detention) 500
Loss of Passport 500
Cancellation and Curtailment 1,000
Travel Delay $10 for each 12hr period of delay up to max $100
War and Terrorism Optional – Covered at an additional premium of 25% of the Basic premium
BRITAM Travel insurance rates

Like most travel insurance plans in Kenya, this is the charged in blocks of days. For the GOLD plan start from USD 38 for travel worldwide up to 7 days. The most popular plan is the Schengen plan which starts as low as USD 27 for up to 7 days of travel. If you want to get a quote for BRITAM travel insurance and compare 10 quotes online, visit





APA GlobeTrotter Travel Insurance

APA is one of the largest financial services providers in the East African region having been founded in 1981

It is a composite insurance company offering medical, general and life insurance products to individuals, families, SMEs and Corporates.

Among it’s most popular products is the APA Jamii Plus medical insurance cover for individuals and families. It is a comprehensive health insurance plan covering inpatient, outpatient, maternity, dental and optical expenses. APA is also a powerhouse in the motor insurance business and has a strong claims experience reputation in the market.

APA is also well known for the asset management business under the APOLLO Asset management brand. It has 3 popular products the Apollo Balanced Fund, Apollo Equity Fund, Apollo Money Market Fund.

Travel Insurance

Like other top insurance companies in the Kenyan market, APA has partnered with Specialty Assistance to offer international assistance to customers on this travel cover. These are among the biggest international rescue and assistance companies in the world.

Compare 10 travel insurance quotes online!

When it comes to the cover, the APA travel insurance covers travellers from the age of 6 months all the way to 80 years old. The main risks covered are

  • Personal Accident
  • Medical expenses
  • Personal Liability
  • Travel Delay / Missed Departure
  • Hijack
  • Loss of Baggage & Documents

The GlobeTrotter travel insurance is divided into 7 different packages below:

Cover Option Emergency Medical Expenses (USD)
Africa 15,000
Asia 15,000
Europe 75,000
Worldwide Basic 100,000
Worldwide Superior 150,000
Silver 200,000
Platinum 250,000

How Much Does it Cost?

The plans offer cover to all members up to the age of 65 years of age. Any members above that are charged an extra 25 – 100% up to the age of 80 years. In addition, for ages over 70 years, a medical report may be required.

Popular on this plans is the Africa plan which starts at just USD 14 per travellers on the African continent up to 7 days duration

Also popular is the Europe plan which covers the entire continent including the Schengen region. It starts at just USD 26 for up to 7 days travel.



If you are a looking to compare different travel insurance covers online, see different benefits and limits, companies and potentially save on your travel plan, check out this link to get a quote from 10 different providers instantly
Prices start from USD 10!


List of Approved Schengen Travel Insurance Companies in Kenya

For all travellers from Kenya travelling to the Schengen region, a travel insurance cover is required as part of the application process. The Schengen region is a product of the free movement brought about by the creation of the European Union and launch of the Euro in 2000. As a result, members of the European Union can move and work in member states without requiring special permits or documentation. The Schengen is a subset of the European Union member countries meaning not all European countries are members of the Schengen region. With the pending exit of the United Kingdom from the European Union (BREXIT) many sceptics are questioning the future of the bloc.

Some of the notable countries not in the Schengen region include

United Kingdom






Why Travel Insurance?

The Schengen region requires all travellers from non-Schengen countries to have approved travel insurance with a minimum liability of 30,000 Euros for emergency medical expenses.  This is to cater for any emergencies like accidents or sudden illness while in the Schengen region. Therefore, the traveller does not encroach on the host state’s medical services in this event. One of the main problems that European countries have been facing in the last 20 years is free medical tourism. This is where travellers from lower income countries mainly Asia and Africa visit European nations and seek medical attention, which is state funded and therefore free of charge. A good example of this is the National Health Service (NHS) in England, which has suffered under the strain of health tourists.

How Does It Work?

The travel insurance policy purchased in Kenya is sold by a local insurance company in the market and distributed through travel agencies, insurance brokers and agents, online portals like and more. The local insurance company offers this policy on behalf of an international insurance company or global assistance/rescue company like AIG, Mapfre, Linkham, Assistencia, etc. In case of emergency assistance while travelling abroad, customers can contact these international companies from the contact details noted on the travel insurance policy document.

Compare 10 SCHENGEN insurance quotes online!

List of approved insurance companies in Kenya

As of 21st November 2018, these are the companies that are pre – approved to offer travel insurance for the Schengen region.


List last updated 21st November 2018. Original document

Need A Travel Insurance Quote?

If you are looking for a travel insurance quote for the Schengen visa applicaiotn, you can compare up to 10 different companies online by visiting . Compare benefits, limits and excesses, you could save up to 30% off your cover.
Prices start from KSh 2,100!


How To Compare Travel Insurance Quotes in Kenya

When getting a travel insurance cover, compare and compare to get a great deal!

With the ever-increasing number of business and leisure travellers visiting Europe, Asia and America, travel insurance is becoming more and more popular. While many customers purchase this cover as a requirement for the different visa application processes, others are increasingly becoming aware of the value of being insured. In fact, according to the, there were close to 39,000 Kenyans who applied for visas to the Schengen region in 2018, an all time high figure! Buying a travel insurance policy allows the customer to enjoy their holidays in peace and tranquillity knowing everything will be ok in case of an emergency. So, when shopping for a travel insurance cover, here are some tips to help you get a saving!

Geographical Location Covered

When choosing a travel insurance policy, you can save on cost by taking a region specific cover. In Kenya, overseas travel insurances are priced depending on the region that the customer is traveller to. The most affordable covers are for Africa and Asia. North America (USA and Canada) are the most expensive regions and travel insurance policies covering those 2 countries tend to cost more. Also, for travellers going to Europe, it is important to distinguish between Schengen and Europe. The Schengen covers normally have slightly lower limits and don’t cover the entire European continent therefore they are noticeably cheaper!

Note: When taking a world wide travel insurance cover, make sure to check that it includes USA and Canada. This is because many world wide travel insurances exclude these two countries, the customer has to pay more premiums if they want to include them.

Limits of Liability

This is one of the often-ignored terms when customers are seeking for a cheap travel insurance cover. The main limit of liability on overseas travel insurance policies is the emergency medical expenses cover. This may range from as low as USD 10,000 to as much as USD 1 Million. Due to the risk of travellers falling gravely ill or having an accident during their travels, the costs arising from this can be un bearable. For example, a traveller suffering a leg fracture while in the USA can face hospital bills of up to USD 50,000! This is an amount of money that can possibly bankrupt an individual. It is important therefore that when selecting a travel insurance policy, choose one with decent limits advisably at least USD 100,000.

Note: The Schengen visa application requires applicants to have a travel insurance policy with emergency medical expenses of at least EUR 30,000. For a detailed comparison of the cheapest Schengen travel insurance plans, check out this blog post

Annual Travel Insurance Plan

Could an annual travel insurance plan be the right one for you? For frequent travellers, having to buy a travel insurance cover each time you are travelling can be time consuming and also costly. There exists in the market providers with open annual covers that allow a customer to use the policy on demand. The only limitation on these covers is that any one trip can not be more than 90 days unless express permission is sought from the insurance company.

Duration of Travel

Also check on the number of days that you are travelling before you purchase the cover. Travel insurance policies in Kenya are normally priced in bands, for example 1- 8 days, 9-14 days, etc. This means that any number of days falling within a particular band will be charged the same premiums. Check to make sure that you don’t exceed a given band so that you are not charged extra for no real need.

Policy Excesses

It is also important to check on the excess on the different terms on the policy. The main terms with excesses on them are the emergency medical expenses which normally has an excess of USD 50 for outpatient visits. The travel terms like loss of checked baggage, flight delay and cancellation also have excesses. These may be time or monetary excesses depending on the cover. For example, some travel insurance policies state that for flight delays, the time excess is the first 6 hours, before this the customer cannot claim for re-reimbursements on the policy

Insurance Premiums Rates

Last but not least is the total premiums paid by the customer. Check out different insurance companies, benefits and packages to make sure you are getting a good deal. Prices can vary by as much as 30% for packages with similar benefits depending on the provider chosen. Therefore, it’s important to compare, compare!

Compare Travel Insurance Covers Online

So, how do you go about easily and quickly getting a good deal on your travel insurance? Many consumers are now using online comparison websites like to compare up to 10 quotes from different providers instantly. You could save up to 30% simply by comparing benefits, region covered and policy excesses.


In our series on top tourist destinations around the world, we explore Europe and give some of the most notable sights to visit on the continent

Around 1.8 million years, the first humans from Africa arrived in the continent of Europe and by 16,000 BCE, human civilizations were already flourishing in most of Europe. The continent since then has undergone many transformations; e.g rise and fall of the Roman Empire, the renaissance period, and even both World Wars; all of which have left a history in the European culture, architecture, cuisine and even fashion. It is these history and culture that developed and are still prospering in Europe that most travellers would like to explore and learn more of.

Given its vast size, the continent has innumerable and bedazzling travel destinations. Below is a sneak preview of some of the popular destinations.


Italy is a must stop destination for travellers to Europe. It has set its mark as a destination point for shoppers, business persons and those travelling for the sheer pleasure of having a good time, as the fashion, cuisine and culture are all extraordinary experiences.

St. Peter’s Square is one of the largest, most beautiful and breathtaking squares in the world. Located in the Vatican City in Rome, the square was designed by Bernini in the seventeenth century and houses over 300,000 people. The Sistine Chapel, the Colosseum, and St. Peter’s Basilica are also places one must visit while in Rome.

Venice, also known as the sinking city of canals, offers travellers the extraordinary sight of palaces perched atop underwater poles. Travellers can marvel at the sight as they take Gondola rides along the canals. Equally, one can have a view of the city and the Grand Canal from the Ponte di Rialto Bridge.

Other activities a traveller can engage in in Italy include taking a boat ride on Lake Como, wine tasting in the vineyards of Tuscany, visiting the leaning tower of Pisa in Pisa, the Statue of David and Renaissance treasures in Florence and the Islands of Murano, Burano, and Torcello.

Outdoor activities include skiing the Italian alps, hiking the Cinque Terre and trekking through Sardinia. One may also attend opera in Verona’s Roman arena, learn how to make homemade pasta in Bologna, see the preserved ancient city of Pompeii or for fashionistas visit the Gucci Museo museum.


One can travel back and forth in time as they visit the olden forts, castles, palaces, museums, universities and parks in the mini-continent of Britain. With advanced transport modes such as electric trains and modern buses, one can traverse the region with minimum time spent in transit.

The 1000 year old Tower of London on the banks of river Thames was a former palace and prison. History lovers can see the armor, weaponry and the crown Jewels which are all on display here. At the Buckingham palace, home to the Britain’s Royal Family, visitors can witness the pompous changing of the Guard and even tour the Palace’s state rooms. While still in London, one can also visit the Parliament Buildings, Big Ben and Westminster Abbey which is a location of many royal weddings.

Outside London, the city of Bath which is named after its famous Roman baths is another travel destination with visitors frequenting it for its healing waters. much as one can’t actually bath in the water from the three hot springs because its temperature is 46.50C, a visit to one of the many spas in the city will surely make you feel healed. The Royal Crescent museum in the city also gives visitors an idea of what life was like during the Georgian times.

Cambridge and Oxford universities are famous universities known all over the world and some of the oldest higher learning institutions in the world. A visit to either university gives one the chance to explore the UK’s largest collection of preserved historic buildings; with oldest being founded way back in 1284. Most of these are located in Cambridge University.

A trip to the UK will not be complete without visiting some of earth’s oldest World Heritage Sites. Ancient Stonehenge was erected over 4,500 years ago as a place of worship and here, visitors are not only awed by the magnificent monument but also the scale of human ingenuity. Just 16 Kilometers south of Stonehenge is the medieval city of Salisbury which is home to an original Magna Carta. The cathedrals in the old city date back to 1220 and as one wanders  in the city, they can marvel at the medieval architecture.

Needless to say, UK is home to renown football club such as Manchester United, Manchester City and Liverpool just to name a few. I bet watching a soccer match at the old Trafford stadium will be a big check on most travellers’ to-do lists.


A stop in France is a mandatory for travellers to Europe. Disney land is also another major destination point, for children and adults alike.

The Capital, Paris, receives over 45 million visitors annually. It is renowned for its romantic ambience, and command in industries like business, entertainment, gastronomy, fashion and art and culture. Thousands of selfies out here should pay homage to the Eiffel tower in Paris.

Other iconic landmarks in the ‘City of Love’ are Arc de Triomphe , Notre Dame Cathedral, the Louvre Museum and Musee d’Orsay. The river Seine which flows right through the heart of Paris is not only a commerce and transportation avenue but also offers viewers a reflection of the modern city.

A trip to the Bordeaux vineyards for wine enthusiasts will surely satisfy their palates as here one can taste some of the highest quality wines and champagnes the world has to offer, right from the casks.

For nature enthusiasts, the French Alps is the ultimate destination, with Mont Blanc (the highest peak in the Alps) being the most famous sight. Given the magnificent scenery in the area, most visitors engage in outdoor activities including mountain climbing, hiking, skiing, snowboarding and biking.

While in Europe, one can attend the infamous Oktoberfest in Munich, Germany and take part in this famous beer festival.  While in still Germany, one can visit the remaining standing portions of the Berlin wall at Checkpoint Charlie and Reichstag in Berlin. The buzzing night life in Cologne will be a fun way to cap a trip in the country.


If you are travelling to Europe, don’t forget to get a comprehensive travel insurance cover against any emergency medical expenses in case of an accident. It also covers against travel delays, lost passport/IDs, delayed and lost buggage. To compare quotes online and get a good deal on your Europe travel insurance, check out