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.


AIG Chartis Travel Insurance Cover

AIG travel insurance is one of the most popular covers on the market in Kenya, the company has a premium brand and has managed to attract a strong list of clientele in retail and corporate segment.

AIG Insurance Kenya is a subsidiary of the global AIG Insurance based in the United States. Originally, AIG traded under the name Chartis worldwide until November 2012 when it came to the brand AIG with the promise “Bring On Tomorrow”. It is for this reason that many customers in the Kenyan market associate AIG insurance with Chartis. For many travellers, it is a well known brand, having partnered with Kenya Airways (KQ) in 2009 to offer travellers some of the best travel insurance policies together with flight tickets booked on the airline website.

AIG is one of the largest general insurance companies in the world serving more than 70 million commercial and consumer clients worldwide featuring the largest share of Fortune 500 and Fortune 1,000 companies.

AIG has operated in the Kenyan market since 1972 under the names Alico and later Chartis Kenya. The company is majority owned by AIG International with Commercial Bank of Africa (CBA) having minority shareholding.

AIG in Kenya has positioned itself as a premium brand in the market offering a wide range of general insurance products as well as specialist insurance products to a wide range of customers. In addition, it has become well known for fast claims processing across the industry.

Compare 10 travel insurance quotes online!

AIG Travel Guard

This is one of the most popular covers in the market especially among the high end of the market. With a global assistance network from its parent company, the cover boasts a strong reputation in the market. It boasts of 5 main options namely Premier Travel, Inbound, Worldwide Students, Schengen and Seniors.

The below table shows the main plans under the AIG Travel Guard and their emergency medical expenses limits

Travel Package Emergency Medical Expenses Limit
Premier Travel 200,000
Inbound 100,000
Worldwide Students 60,000
Schengen 75,000
Seniors 75,000
AIG Travel Insurance Rates

Across the range of different plans under the AIG travel guard, prices start from as low USD 25 depending on the option selected. For example, the popular Schengen travel insurance plan starts from USD 25 for journeys up to 6 days.

The worldwide cover Premier Travel  with the highest aggregate limit starts from USD 38 for travel of up 6 days. For the frequent travellers requiring this premium plan, the annual policy goes for USD 500 for any one person up to 70 years old.


Are you looking for a quote for your travel insurance to the Schengen countries or other destinations? Get travel insurance from as low KSh 1,000 by comparing different quotes online on this portal. Let us get in contact with you by leaving your details on our chat box.