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

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 OLD MUTUAL

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

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.
https://www.pesabazaar.com/insurance/travel-insurance

 

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 http://www.businessdailyafrica.com, 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 www.pesabazaar.com 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.

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!

1. FIRST ASSURANCE TRAVEL COVER

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

2. OCCIDENTAL EUROPE EXTRA INSURANCE

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
3. AIG KENYA

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

4. CIC BUDGET TRAVEL INSURANCE

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

5. JUBILEE TRAVEL COVER

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

6. UAP OLD MUTUAL

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 https://www.pesabazaar.com/insurance/travel-insurance for a comparison online travel insurance quotes. You could save up to 40% on your travel cover