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





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.

CIC Travel Insurance

CIC offers 5 distinct travel insurance plans with worldwide coverage at competitive prices in the market. Let’s take a look at CIC in more detail and what its travel insurance covers entail.

CIC Insurance is part of CIC Group which is perhaps the largest insurance company in the East and Central region having its headquarters in Upper Hill Nairobi, Kenya.  It is a composite financial services firm in the region, offering general, medical, life insurances, asset management, pensions and annuities in addition to investment products. CIC is listed on the Nairobi Securities Exchange (NSE) and is one of only a handful of insurance companies. In 2012, it was awarded the Annual Insurance Claims Settlement Award by the Insurance Regulatory Authority (IRA) of Kenya for its outstanding service quality.

CIC offers all general insurance covers in the market and is a leader in car insurance products in Kenya. CIC is the biggest car insurance company as per the IRA statistic released in 2018 for year ending December 2017.

CIC in conjunction with Specialty Assist Ltd (part of the Collinson Group), a UK global assistance network offer customers peace of mind when travelling overseas.

Compare 10 travel insurance quotes online!

CIC travel insurance cover is divided into Gold, Silver, Diamond, Budget and Student in descending order of cover limits. All these plans offer worldwide geographical cover unlike most other insurers in the Kenyan market that have region specific travel insurance plans.

The below is a brief summary of the key benefits of the CIC Worldwide BUDGET travel insurance plan. For a full breakdown of the benefits, please check on the product brochure

Emergency medical related expenses   50,000
Terrorism, hostage, hijack or wrongful detention Included
Accidental Death   5,000
Journey Cancellation 1,000
Travel Delay 100 
Travel Luggage Loss 500 single limit 25%
Luggage Delay 75
CIC Travel Insurance Rates

Of all the biggest insurance companies in the market, CIC has perhaps the cheapest travel insurance rates. The BUDGET travel insurance plan starts as low as USD 20 for a trip lasting up to 8 days for a single adult up to 70 years old. For the same plan, the Annual Multi Trip cover is USD 350 for an adult up to 66 years old. This BUDGET option is perfect for visitors requiring travel insurance as a requirement for the Schengen Visa Application process. It covers for USD 50,000 for the emergency medical expenses well above the mandatory EUROS 30,000 required by Schengen consulates in Kenya.


If you want to get a good deal on your travel insurance, compare CIC travel insurance with other providers, check on the benefits, limits and also the rates and buy your cover online. Check out the covers on the online platform

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.

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;

Compare 10 travel insurance quotes online!


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

ICEA Lion Travel Insurance

ICEA Lion is a composite insurance provider in East Africa headquartered in Kenya. It has one of the best travel insurance covers with wide range of benefits and high limits of liability catering for all kinds of travellers, business, leisure and sports.

ICEA Lion is a one-stop financial services provider in Kenya and in the region as well. It offers asset management, investments, pensions, trusts and last but not least insurance to small and large customers. It is one of the oldest and most reputable brands in the market having been founded in 1964. It is a top five general insurance company with a large asset base of KSh 11 Billion and funds under investment of over KSh 7 Billions. ICEA Lion offers all the common general insurance covers in the market on top of specialised products like aviation insurance, pet insurances amongst others. In this line it also offers the common short-term travel insurance covers for customers travelling worldwide. The company had one of the most exciting advertisement series covering the importance of taking a travel cover. The far-reaching commercials stimulated the Kenyan market and made consumers appreciate the importance of having a travel cover although a light and informative video series.

International Assistance Partnership

ICEA Lion has partnered with INTANA GLOBAL to offer assistance for customers during the course of their policy. This is an international provider of worldwide travel, medical and security solutions with over 40,000 partners and service providers. It is headquartered in the UK and it is part of the Collinson Group of companies.

Customers travelling worldwide and in need of emergency assistance are advised to call this Intana Global for assistance as per the contacts in the policy note.

What is the ICEA Lion Travel Insurance?

This is an international cover, which covers travelers for unexpected medical expenses when they are overseas. It provides coverage for unexpected risks and financial losses that can occur before a trip starts and while you are traveling, including medical emergencies, cancellations and more as highlighted in the below schedule.
It can be purchased for short and long trips.

Compare 10 travel insurance quotes online!

Why do I need ICEA Lion Travel Insurance?

Like any other insurance plan, travel insurance mitigates the risk of financial loss that can be insured when unforeseen events occur. Perhaps the most compelling reason for buying this insurance is that it can insure your financial investment if your trip has to be cancelled. It also provides financial and logic support if your trip is interrupted, you experience a medical Emergency, you need assistance in a foreign country, your bags are lost and more.

Below is a summary of the benefits of the ICEA EUROPE travel insurance cover

Emergency Medical Expenses 75,000.00
Medical Evacuation in case of Illness or Accident 15,000.00
Emergency Dental Care 500.00
Daily Hospital Benefits 50 per day Max 500
Repatriation of family Member travelling with Insured 2,500.00
Repatriation of Mortal Remains/ Burial Expenses 5,000.00
Follow up Treatment in Kenya 500.00
Travel of One Immediate Family Member 1,500.00
Emergency Return Home Following Death of a Close family member Covered
Assistance Services: Cash Advance, consular referral, emergency accommodation, travel arrangements and transmission of urgent messages Assistance Service
Personal Accident 15,000.00
Loss of Baggage (students – Loss of checked Baggage)  
Single Article Limit 250.00
Delay of Checked Baggage 500.00
Travel Delay 350.00
Missed Departure 500.00
Loss of Passport 200.00
Legal Assistance 7,500.00
Hijack 800.00
  Per day 100
Trip Cancellation and Curtailment 1,000.00
Advance Bail Bond – Not applicable to student cover 10,000.00
Personal Liability 75,000.00

If you are looking for a travel insurance cover for business, holiday including skiing and snow sports, get in touch with us to explore your options. Compare different plans and see how much you could save on your cover. Check out our portal on here to get a comprehensive breakdown of the different plans in the market.