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 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.
|Medical Expenses||75,000 excess 200|
|Medical Evacuation, repatriation||25,000|
|Optical expenses – bodily injury include||500|
|Dental expenses – bodily injury include||500|
|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)|
GET A QUOTE?
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.