Top Travel Insurance Providers in Kenya

Travel insurance is essential for safeguarding against unexpected challenges during trips, whether for business, leisure, or study. Kenya’s leading insurance companies offer robust travel policies that cover medical emergencies, trip disruptions, and personal liabilities, ensuring peace of mind for travelers. This updated guide highlights the top travel insurance providers in Kenya, detailing their offerings to help you choose the best plan for your journey.

Below is a curated list of Kenya’s premier travel insurance providers, each known for comprehensive and reliable coverage.

1. UAP Old Mutual

UAP Old Mutual provides flexible travel insurance options for single trips or annual coverage, ideal for frequent travelers. Their plans include:

Travel assistance, such as repatriation of children, delivery of urgent medicine, and emergency accommodation.
Personal accident coverage for death or permanent disability due to accidents.
Protection against legal liabilities for accidental injury, illness, or property damage.
Medical expense coverage, including treatment for Covid-19 contracted abroad.
Contact: Visit www.uapoldmutual.com for details.

2. Britam

Britam offers four tailored travel plans—Gold, Premium, Schengen, and Student—designed to address common travel risks, including:

Trip delays, cancellations, or interruptions.
Medical assistance and evacuation.
Coverage for lost or delayed baggage and personal items.
Comprehensive medical care abroad.
Contact: Visit www.britam.com for more information.

3. Heritage Insurance

Heritage Insurance provides diverse travel packages, including Smart, Budget, Student, Inbound, Corporate, and Schengen plans, covering:

Travel delays and flight cancellations.
Medical and emergency expenses, including hospital allowances.
Personal accident protection.
Costs for lost passports and baggage, plus personal liability.
Contact: Visit www.heritageinsurance.co.ke for details.

4. AIG Insurance Company

AIG tailors its travel insurance to meet the needs of students, groups, individuals, and corporate travelers, offering coverage for:

Accidental injuries and medical expenses.
Loss of personal effects and travel delays.
Hijackings, personal liability, and legal expenses.
Contact: Visit www.aig.co.ke for more information.

5. AAR Insurance Kenya

AAR’s travel insurance protects travelers against accidents and property loss during international trips, with benefits including:

Emergency medical expenses.
Coverage for lost or damaged personal property.
Trip curtailment or cancellation costs.
Protection against hijackings, detention, luggage issues, and personal liability.
Contact: Visit www.aar-insurance.co.ke for details.

6. CIC Insurance

CIC offers a robust travel policy that mitigates financial risks during travel, providing:

Personal accident coverage.
Reimbursement for emergency medical expenses.
Compensation for travel and accommodation costs due to trip cancellations or curtailments.
Coverage for expenses incurred from travel delays.
Contact: Visit www.cic.co.ke for more information.

7. GA Insurance Kenya

In partnership with Mapfre Assistencia, GA Insurance offers Smart Cover, providing 24/7 emergency medical assistance and benefits such as:

Medical transportation or repatriation.
Personal accident and medical expense coverage abroad.
Protection for trip delays, cancellations, and lost luggage.
Contact: Visit www.gainsurance.co.ke for details.

8. Jubilee Insurance

Jubilee provides affordable travel insurance for international trips, whether for family reunions or solo adventures, with features like:

Upfront payment for eligible medical emergency expenses.
24/7 worldwide emergency assistance.
Contact: Visit www.jubileeinsurance.com for more information.

9. Madison Insurance

Madison’s travel insurance addresses financial risks for international travel, offering:

Emergency medical evacuation and repatriation of family members.
Coverage for medical expenses and hospitalization.
Compensation for lost baggage, passports, ID cards, and luggage delays.
Contact: Visit www.madison.co.ke for details.

10. Resolution Insurance

In collaboration with Linkham Services, Resolution Insurance offers straightforward travel policies covering:

Medical expenses, including evacuation and repatriation.
Personal accident protection.
Trip cancellation, curtailment, and baggage loss coverage.
Personal liability and protection against hijackings or wrongful detention.
Contact: Visit www.resolution.co.ke for more information.

Notes:

Coverage details and premiums vary by provider and plan. Contact insurers directly or visit their websites for the latest information and personalized quotes.
Always review policy terms to ensure they meet your specific travel needs, such as coverage for pre-existing conditions or high-risk activities.