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.


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.