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

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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


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.

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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.

Best Schengen Travel Insurance in Kenya

When shopping for Schengen travel insurance online, compare different options so that you can save up to 40% on your premiums and get a more comprehensive protection.

Did you know that there are states in Europe that have no passport or border controls on their mutual borders and visitors to these states can travel in any of them with just one visa!?

The region covering these states is known as the Schengen region and it comprises of 26 countries namely Austria, Hungary, Norway, Belgium, Iceland, Poland, Portugal, Italy, Czech Republic, Denmark, Estonia, Finland, Latvia, Liechtenstein, Lithuania, Slovakia, Slovenia, Spain, France, Luxembourg, Sweden, Switzerland, Netherlands, Malta, Germany and Greece. The visa issued is also referred to as a Schengen visa.

However, United Kingdom countries such as England and Scotland do not lie in the Schengen region and therefore travellers to these countries must acquire separate visas at the embassy in their local countries.

In Kenya, one can apply for a Schengen visa at VFS Global processing center which processes visas for many of the Schengen consulates and embassies in the country. The center is located in Westlands, Nairobi. For a complete breakdown of the process involved, costs and requirements, please verify with the local embassy/consular page of the country you are travelling to.

Among the important requirements to be met when applying for a Schengen visa, Kenyan travellers need to have in place a Schengen travel insurance cover, return air ticket, proof of accommodation during their stay in Schengen and invitation letter if travelling say to visit relatives.

The travel insurance cover must cover emergency medical services with a minimum of 30,000 Euros and the cost of the cover is based on number of days of travel period and coverage needed. If travelling around the world and in need of more coverage, the cover will be expensive than if the converse were true.

Travel insurance also covers other risks such as loss of baggage, flight delays and cancellations, hijack among others. A traveller should thus look for a cover that is not only cheap but one that provides adequate coverage as well. Therefore when shopping for travel insurance online, it is important to

Kenyan travellers can compare insurance online and get discounts when shopping for travel insurance cover to the Schengen region. The cheapest options are offered by the below insurers;

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First assurance offers a basic travel cover known as Europe Low Cost as well as Europe Plus travel insurance. The insurance cover is underwritten by MapFree assistencia and covers emergency medical expenses up to a limit of 30,000 Euros. In the event of death, the cover also caters for repatriation costs of mortal remains . It also covers the loss of in checked baggage and loss of any travel / ID documents and delays unlike most of the other basic covers on the market. Europe Plus option offers added benefits for the death or personal disablement of the insured and will pay out up USD 25,000 if a claim is lodged.

Pricing: Starts from USD 30 per person for journeys of up to 32 days


This is one of the most recent products introduced in the market still provided by the Spanish company MAPFRE. Occidental travel insurance is undoubtedly the cheapest travel insurance on the market introduced after the successful rebranding of the company to its white and green colors.

Occidental has 3 travel plans for Europe, namely the Basic, Plus and Extra. The most recommended option is the Extra option, which offers up to USD 100,000 emergency medical expenses limit.

Price: From USD 15 for travel up to 7 days

Europe Travel France
Eiffel Tower in Paris

Being an international insurance company, AIG Kenya travel insurance is very popular owing to its brand. It covers medical expenses and offers travel guard benefits up to USD 75,000 each. AIG also offers some of the best assistance and rescue solutions due to its international status and worldwide network.

Pricing: Starts from USD 25 per person


CIC Kenya offers 5 world international travel insurances all underwritten by Specialty Assistance. The CIC Budget International travel cover is most suitable for travellers to the Schengen region and it covers emergency medical expenses up to a limit of USD 50,000.

Pricing starts from $20 per person for trips up to 8 days


Jubilee insurance offers one of the cheapest rates for travel insurance with the cost of the policy being $1.10 per person per day. This means, instead of charging the premium payable for a block of days, the rate is charged per each day of travel. This is different from all the other providers in the market that charge for a block of days usually with a minimum of 7 days.

The Jubilee Express travel insurance is the most suitable package for travellers to the Schengen region. It covers emergency medical expenses to a USD 45,000 limit, loss of baggage, flight delays and cancellations among others.

Pricing: USD 1.10 per person per day


Old Mutual UAP is an insurance powerhouse in East Africa, established after the merger of UAP and Old Mutual, the giant in financial services globally. UAP Old Mutual is partnered with AXA worldwide to offer these international travel insurance covers to consumers in Kenya. Inter Partner Assistance offers Payment Of Medical Bills Abroad, Emergency evacuation and repatriation, In hospital monitoring, Emergency information and assistant, Return of mortal remains, Legal assistance. The Schengen travel insurance option offers an emergency limit of up to USD 80,000 but does not offer cover for travel delays and cancellations and also baggage loss and delays.

Price: Starts from USD 25 for trips of up to 8 days

It is prudent to note that travel insurance policies cover flight delays and cancellations that are occasioned by the airline or due to acts of terrorism among others. For such a claim to be admissible there must be evidence of the airline admitting the same. If one misses a flight for any other reason that the airline is not party to, then the claim may not be admissible.

If you are in Kenya and in need of a travel insurance cover for a Schengen visa application, check out this page for a comparison online travel insurance quotes. You could save up to 40% on your travel cover