Personal Protection

Travel Insurance

Travel With Confidence

Travel with confidence knowing medical emergencies, cancellations, delays, and lost baggage are covered wherever your trip takes you.

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Cover options

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Quick overview

It covers the things that disrupt a trip — emergency medical treatment and evacuation abroad, trip cancellation or interruption, flight delays, and lost or delayed baggage.

Why it matters

Why Do You Need Travel Insurance?

An unexpected medical emergency or cancelled trip can quickly turn into a significant expense, especially when you are away from home. Travel insurance provides financial protection against covered events and gives you support when you need it most.

One trip can go wrong in many ways

A missed flight, a lost bag, or a medical emergency abroad can turn a trip upside down — and get expensive fast. Travel insurance covers the common risks so you're not facing them alone.

Single trip or a whole year

Take cover for one journey, or an annual multi-trip policy if you travel often. Cover can apply to domestic trips within Kenya as well as international travel.

Who it's for

Who this cover is for

Leisure travellers
Business travellers
Students studying abroad
Frequent flyers (annual multi-trip cover)

Cover options

Your cover options

Choose the option that matches your needs. Exact terms, limits, and extensions vary by insurer and policy.

Medical Emergencies

Emergency treatment and evacuation cover while abroad, when you need it most.

Trip Cancellation & Interruption

Reimburses non-refundable costs if your trip is cancelled or cut short.

Baggage & Personal Effects

Compensation for lost, stolen, or delayed luggage.

Protection

What this cover protects against

What applies to your policy depends on the cover level you choose and any extensions added.

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Medical emergencies

Emergency treatment and evacuation while abroad.

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Trip cancellation

Non-refundable costs if you have to cancel or cut a trip short.

luggage

Baggage

Lost, stolen, or delayed luggage.

flight

Flight delays

A benefit once a delay passes a set number of hours.

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Personal liability

Claims for injury or damage you cause while travelling.

Key benefits

What you get with the cover

Worldwide medical cover

Emergency treatment and evacuation wherever you're travelling.

Cancellation protection

Recover costs if illness, injury, or emergencies force you to cancel.

Baggage cover

Compensation for delayed or lost luggage so a trip mishap doesn't cost you.

Single trip or annual multi-trip

Cover tailored to how often you travel.

Add-ons

Optional extensions

Extra layers of protection you can add for an additional premium. Availability varies by insurer.

Winter Sports Cover

Extends cover to skiing, snowboarding, and other winter sports activities.

Adventure Activities Cover

Extends cover to activities like diving, hiking, and safari game drives.

Exclusions

What's not covered

Pre-existing medical conditions (unless declared)

Travel against medical advice

Extreme sports (unless added)

Losses from failing to report to authorities

This is a general list. Your policy wording sets out the full exclusions that apply.

Getting covered

What you'll need

To take out cover

Copy of passport
Travel dates
Destination
Purpose of travel
Details of persons travelling
Other travel information required for the selected plan

Keep receipts and reports — police, medical, or airline — for any incident, then submit them with your claim as soon as possible after your trip.

Requirements may vary depending on the insurer, type of cover, risk involved, and individual circumstances. Our team will advise you on the specific documents required for your policy.

Glossary

Common terms explained

Trip Duration

The period your policy covers, from departure to return.

Excess

The amount you contribute towards a claim before cover kicks in.

FAQ

Frequently asked questions.

The essentials on travel insurance — what it covers, what you'll need, and how claims work. More on the FAQ page.

See all FAQs

Does it cover pre-existing conditions?

Not by default — pre-existing conditions must be declared and may need an additional premium to be covered.

What if my flight is delayed, not cancelled?

Flight delay cover typically pays a benefit once the delay passes a set number of hours, even if the trip isn't cancelled.

Is cover valid for both local and international trips?

Yes, cover can be arranged for domestic travel within Kenya as well as international trips.

Flexible cover

Before You Travel

Whether travelling for business, leisure, study, or visiting family, our team helps you understand the available travel insurance options so you can plan your journey with greater peace of mind.

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