travel medical insurance kenya

Kenya Travel Insurance

Travel insurance for kenya.

Kenya is a country at once wild and fizzing with human culture. One day, you can be touring the savannah plains of the legendary Maasai Mara reserve looking for sightings of elephants and zebras. The next, you could be lost in the vibrant flea markets of downtown Nairobi. Whether you're planning the safari of a lifetime, a hiking jaunt to the top of Mount Kenya, or a visit to the buzzy metropolises of East Africa, it's always a good idea to consider travel insurance for Kenya before you book. That's where this guide comes in, offering all the info you need on travel insurance and what it can offer…

• What should your Travel insurance cover for a trip to Kenya? 
• How does Travel Insurance work in the Kenya?
• Do I need Travel Insurance for Kenya? 
• How much does Travel Insurance cost for Kenya? 
• Our Suggested AXA Travel Protection Plan

What types of medical coverage does AXA Travel Protection plans offer?

Are there any covid-19 restrictions for travelers to kenya, traveling with pre-existing medical conditions , what should your travel insurance cover for a trip to kenya.

At a minimum, your travel insurance should cover trip cancellation, trip interruption and emergency medical expenses. When it comes to international travel, the US Department of State outlines key components that should be included in your travel insurance coverage.  AXA Travel Protection plans are designed with these minimum recommended coverages in mind. 

• Medical Coverage   – The top priority is making sure your health is in order. With AXA Travel Protection, you can have access to quality healthcare during your trip overseas in the event of unexpected medical emergencies.    
• Trip Cancellation & Interruptions  – Assistance against unexpected trip disruptions can dampen the mood, AXA Travel Protection offers coverage against unforeseen events.   
• Emergency Evacuations and Repatriation   – In situations where transportation is dire, AXA Travel Protection offers provisions for emergency evacuation and repatriation.   
• Coverage for Personal Belongings  – AXA offers coverage for your belongings with assistance against lost or delayed baggage.   
• Optional Cancel for Any Reason  – For added flexibility, AXA offers optional Cancel for Any Reason coverage, allowing you to cancel your trip for non-traditional reasons.  Exclusive to Platinum Plan holders. 

In just a few seconds, you can get a free quote and purchase the best travel insurance for Kenya.

How Does Travel Insurance Work in the Kenya?

Let's consider a scenario: You're out in the bush of the East Tsavo National Park, keeping watch for elephant herds and prowling lions. But, suddenly, you don't feel all that well. You've got the shivers, muscle aches, and tiredness. Folks with travel insurance will often get support to help connect them with the right medical professionals, to check whether their symptoms need more careful attention or just good old rest and recuperation. Kenya, after all, remains high-risk for malaria and dengue fever, so it's good to make sure! Here’s how travelers can benefit from an AXA Travel Protection Plan:

Medical Benefits:

• Emergency Medical Expenses: Should you fall ill or have an accident during your trip, your policy may offer coverage for medical expenses, including hospital stays and doctor's fees. 
• Emergency Evacuation & Repatriation: In case of a serious medical emergency, your policy may include provisions for evacuation to the nearest appropriate medical facility or repatriation. 
• Non-Emergency Evacuation & Repatriation : In non-medical crises (e.g., political unrest), your policy may cover evacuation or repatriation, subject to policy terms. 

Pre-Departure Travel Benefits: 

• Trip Cancellation: You may be eligible for reimbursement if you cancel your trip due to a sudden illness or injury. 
• COVID-19 Travel Insurance: Coverage is available for trip cancellation and medical expenses related to COVID-19, subject to policy terms and conditions. 
• Trip Delay: If your flight faces delays due to unforeseen circumstances, you may have coverage for additional expenses such as meals and accommodations. 

Post-Departure Travel Benefits

• Trip Interruption: In case of an unexpected event, you could be eligible for reimbursement for the unused portion of your trip.
• Missed Connection: If you miss a connecting flight due to delays or cancellations, this coverage may help with expenses like rebooking fees and accommodations.

Baggage Benefits: 

• Luggage Delay: If the airline delays your checked baggage, your policy might offer reimbursement for essential items like clothing and toiletries. 
• Lost or Stolen Luggage: In the unfortunate event of permanent loss or theft of your luggage, your policy may offer reimbursement for its value, assisting you in replacing your belongings. 

Additional Optional Travel Benefits 

• Rental Car (Collision Damage Waiver): Exclusive to Gold & Platinum plan policy holders, this optional benefit gives travelers extra coverage on their rental car against damage and theft. 
• Cancel for Any Reason: Exclusive to Platinum plan policy holders; this optional benefit gives travelers more flexibility to cancel their trip for any reason outside of their standard policy. 
• Loss Skier Days: Exclusive to Platinum plan policy holders, this optional benefit offers reimbursement to mitigate some costs associated with pre-paid ski tickets that you or your traveling companion cannot use due to specified slope closures. 
• Loss Golf Days: Exclusive to Platinum plan policy holders, this optional benefit offers reimbursement to mitigate the expenses linked to prepaid golf arrangements that you or your travel companion are unable to utilize due to specified golf closures. 

Do I Need Travel Insurance for Kenya?

The Kenyan government has no official decree that says travelers to the country have to purchase travel insurance. But, given the nature of the activities that most people come here for – safaris out in the wild, hiking adventures on high-altitude peaks, food tours of the Nairobi street markets – it's often a good idea to ensure you have cover before jetting off. Why? There are several reasons:  

Medical Emergencies: An insurance product like AXA Travel Protection offers the means to receive prompt medical care whenever it's needed, no matter whether you sprain an ankle or get a tummy bug.

Lost Baggage: Airlines sometimes mishandle baggage, and the last thing you want is to be without your essentials in an unfamiliar place. Travel insurance offers to cover the cost of replacing necessary items, allowing you to continue on.

Flight Delays: We know that whole safaris can be ruined by late flights into Nairobi, which is why travel insurance often offers support in the event of delays caused by airlines, covering expenses incurred because of missed arrivals.

How Much Does Travel Insurance Cost for Kenya?

In general, travel insurance costs about 3 – 10% of your total prepaid and non-refundable trip expenses. The cost of travel insurance depends on two factors for AXA Travel Protection plans:   

• Total Trip cost:  The total non-prepaid and non-refundable costs you have already paid for your upcoming trip. This includes prepaid excursions, plane tickets, cruise costs, etc. 
• Age:  Like any other insurance type, the correlation is rooted in increased health risks associated with older individuals. It's important to note that this doesn't make travel insurance unattainable for older individuals.   

With AXA Travel Protection, travelers to Kenya will be offered three tiers of insurance:  Silver,   Gold  and  Platinum . Each provides varying levels of coverage to cater to individual's preferences and travel needs. 

Our Suggested AXA Travel Protection Plan 

AXA presents travelers with three travel plans – the  Silver Plan ,  Gold Plan , and  Platinum Plan , each offering different levels of coverage to suit individual needs. Given that Kenya hospitals often do not accept U.S. health insurance or Medicare, we genuinely recommend travelers to consider purchasing any of these plans, particularly for the crucial coverage they offer for emergency accident and sickness medical expenses. There's even greater flexibility involved with our Platinum Plan. That gives " Cancel for Any Reason " cover, which means you'll get protection against itinerary and travel plan changes without having to offer any justification. The package also includes additional coverage on rental cars, which could be a welcoming extra for anyone planning on hitting the bumpy, busy, backcountry roads of the East African Rift Valley!

Axa covers three types of medical expenses:  

• Emergency medical expenses 
• Emergency evacuation & repatriation 
• Non-medical emergency evacuation & repatriation   

Emergency Medical: unexpected incidents that arise, such as broken bones, burns, unexpected illnesses and allergic reactions

Emergency Evacuation and Repatriation: Can cover your immediate transportation home in the event of an accidental injury or illness. 

Non-Medical Emergency Evacuation and Repatriation: not all emergencies are medical related. You could be traveling during a period of civil unrest or throughout a natural disaster, and require repatriation to your home country because of it

The remaining COVID-19 restrictions for Kenya were dropped in May 2023, though the authorities here still ask anyone with symptoms to declare them at the border and be tested prior to entry. To stay up-to-date with Kenya’s restriction visit, Department of State for Travel to Kenya .

Traveling with preexisting medical conditions can complicate your plans, but with AXA Travel Protection, we're here to support you during your trip. Our Gold and Platinum  plans offer coverage for pre-existing medical conditions.  The Platinum plan, in particular, is our highest-offered choice for travelers who want our highest coverage limits and optional add-ons,   

What does this mean for you? If you've got a medical condition that's been hanging around, you can qualify for coverage under our Gold and Platinum plans with a pre-existing medical condition , so long as it’s within 14 days of placing your initial trip deposit and in our 60-day look-back period. We're here to ensure you travel easily, no matter your health situation. 

1.Can you buy travel insurance after booking a flight?

You can buy travel insurance even after your flight is booked.

2.When should I buy Travel Insurance to Kenya?

It's advisable to purchase travel insurance for your trip as soon as you have made your initial trip deposit (prepaid and non-refundable trip costs.) AXA Travel Protection offers coverage as soon as you purchase your protection plan. We can give coverage against unforeseen events before you leave for your trip. Additionally, our policies offer coverage for preexisting medical conditions and Cancel for Any Reason if you purchase your protection within 14-days of making your initial trip deposit.

3.Do Americans need travel insurance in Kenya?

There's no legal requirement for American travelers to obtain travel insurance for Kenya.

4.What is needed to visit Kenya from the USA?

If you're visiting Kenya from the US, be sure to have a valid American passport and to complete the eVisa application before you jet off. An eVisa is typically valid for up to three months from the date of issue.

5.What happens if a tourist gets sick in Kenya?

If you become sick in Kenya, travelers with AXA Travel protection can contact the AXA Assistance hotline 855-327-1442 . Contact information is typically provided within the insurance documentation. Please ensure to read through your policy details and information.

Disclaimer: It is important to note that Destination articles are for editorial purposes only and are not intended to replace the advice of a qualified professional. Specifics of travel coverage for your destination will depend on the plan selected, the date of purchase, and the state of residency. Customers are advised to carefully review the terms and conditions of their policy. Contact AXA Travel Insurance if you have any questions.  AXA Assistance USA, Inc.© 2023 All Rights Reserved.  

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• Kenya Travel Insurance

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• KEY TAKEAWAYS

Kenya travel information and requirements

What to consider when taking a trip to kenya, do i need travel insurance to visit kenya, what does travel insurance for kenya cover, what isn’t covered by travel insurance for kenya, how much does travel insurance for kenya cost, tips for getting the best kenya travel insurance, faq: kenya travel insurance, related topics.

Travel Insurance for Kenya: Recommendations & Requirements

• Your U.S. health insurance won’t work in Kenya , so it’s a good idea to purchase travel medical and medical evacuation coverage for your trip even though it’s not required.
• In addition to medical coverage, a comprehensive policy includes coverage for other travel issues , such as trip cancellations, trip interruptions, delays, lost baggage and more.
• Based on our research, our top picks for travel insurance for Kenya come from Tin Leg, Seven Corners and Nationwide ( skip ahead to see these plans ).
• Travel insurance for Kenya can cost as little as $2 per day for basic medical coverage.
• To compare multiple plans at once and find the best coverage for your needs, try using our online comparison tool .

Our top picks for the best kenya travel insurance

• Tin Leg: Best Rated for Adventurous Trips
• Seven Corners: Best for a Robust Coverage
• Nationwide Mutual Insurance Company: Best for Trip Interruption & Travel Delay

Our top picks for travel insurance for Kenya

Seven Corners

Nationwide mutual insurance company.

If you’re planning a trip to Kenya, keep the following in mind.

Trips to Kenya are expensive

In 2022, the average trip to Kenya cost more than $11,500 per group, according to data published by SquareMouth . Travel insurance for Kenya can help you recoup some of your costs if something goes wrong during your trip.

For example, if you have to end your trip early due to a covered event, your insurance provider may reimburse your unused prepaid expenses, such as hotel stays and local excursions.

Traveling to Kenya

Not only is international travel expensive, but it also requires careful planning. If you depart from the United States, you may have to stop at Heathrow in London, Charles de Gaulle in Paris or Schiphol in Amsterdam. The more legs you have in your journey, the more likely it is that you’ll encounter at least one delay.

Attractions in Kenya

A trip to Kenya is truly a once-in-a-lifetime experience. You can visit Mombasa, take a safari through the Maasai Mara National Reserve or walk through Amboseli National Park. If you love museums, you may want to travel to Nairobi, Kenya. You can even climb Mount Kenya or visit the Sarara Singing Wells in Laikipia.

Whether you’re feeling adventurous or looking for laid-back activities, many Kenya attractions are in remote locations. Travel insurance for Kenya covers the cost of medical evacuation, ensuring you get the care you need even if you’re far from the nearest medical facility.

You’re not legally required to have travel insurance for a trip to Kenya, but we highly recommend purchasing a policy.

Comprehensive travel insurance protects you in a variety of situations.

Risk of terrorism and political demonstrations

Due to ongoing conflict at the borders of Somalia, South Sudan and Ethiopia, Kenya has a higher-than-average risk of terrorism, kidnapping and political demonstrations. Travel insurance may cover trip cancellations or interruptions due to domestic terrorism or civil unrest.

Bandits and petty crime

Occasionally, bandits cross the Somalia/Kenya border to commit thefts and other petty crimes. These bandits are known as “shifta.” Carjackings and scams are also common. In many cases, Kenya travel insurance covers lost or stolen belongings.

Insect bites, illness and disease

Although the prevalence of malaria in Kenya has declined, it’s still rather common, according to USAID . Kenya is also home to several other insect-borne illnesses, including Rift Valley fever, Dengue, filariasis and African sleeping sickness. If food isn’t cooked and stored correctly, there’s also a risk of contracting hepatitis, measles, cholera and meningococcal diseases.

You can reduce your risk of contracting insect-borne illnesses by using bug spray during your trip. Vaccinations are also available for measles, hepatitis, meningitis and Dengue virus. Due to the risk of contracting these diseases, it’s essential to have medical coverage for your trip to Kenya.

Adventure activities

Some of the most popular attractions in Kenya involve adventure sports and other risky activities. For example, many people board hot-air balloons to watch the wildebeest migrate over Masai Mara.

Standard travel insurance and safari travel insurance policies generally don’t cover these activities, but it’s possible to purchase an adventure add-on for extra protection. Add-ons cover additional risks, making your travel insurance policy even more comprehensive.

Severe weather and natural disasters

Flash flooding, landslides and torrential rains are some of the possible weather-related risks you’ll encounter in Kenya. Your travel insurance provider may reimburse your prepaid costs if you have to cancel or interrupt a trip due to unforeseen risks. For example, if a landslide occurs without warning, you may be able to cancel and get your money back.

Kenya travel insurance covers a wide range of circumstances.

Let’s take a look at the different types of coverage to help you decide which ones are necessary for your trip.

Travel medical insurance

Imagine you’re looking for elephants at Amboseli National Reserve when you fall and break your femur. U.S. health insurance doesn’t work in Kenya, so you need travel medical insurance to cover the cost of your care. For example, you may need to undergo surgery or stay in the hospital for several days. SquareMouth recommends purchasing at least $100,000 in emergency medical coverage before you travel to Kenya.

Medical evacuation insurance

If you injure yourself while cycling through Hell’s Gate National Park, you can’t exactly have a tour guide drive you a few miles to a hospital. You’ll need to pay for medical evacuation, which is extremely expensive. SquareMouth recommends purchasing at least $250,000 in medical evacuation coverage , but some companies offer up to $1 million in medevac coverage per policy.

Trip cancellation insurance

Trip cancellation insurance allows you to cancel your trip for a covered reason and get reimbursed for your prepaid, nonrefundable expenses.

A covered reason is an unforeseen event that forces you to cancel your trip.

These are some examples:

• Death of the traveler
• Death of a travel companion
• Death of a non-traveling family member
• Natural disasters
• Inclement weather (e.g. flash flooding during the rainy season)

Cancel-for-any-reason insurance

Regular cancellation coverage only reimburses you for covered events. If you’re concerned that you’ll have to cancel for another reason, purchase cancel-for-any-reason insurance .

CAFR allows you to cancel your trip for any reason, such as a change in travel plans or fear of kidnapping. Many providers allow you to get back 75% of your prepaid, nonrefundable expenses if you use your CAFR coverage.

Trip interruption insurance

Once you arrive in Kenya, you may encounter a circumstance that forces you to end your trip early. For example, if you contract a foodborne illness, you may be too ill to enjoy all the activities on your itinerary. Trip interruption insurance reimburses the unused portion of your prepaid, nonrefundable expenses.

Assume you spent $700 per night on your hotel and planned to stay in Kenya for seven nights. If you have to end your trip after just two nights, your trip interruption insurance would reimburse you $3,500 ($700 per night for five unused nights).

Trip delay insurance

Unless you live in or around New York City, it’s tough to get a direct flight to Kenya. It’s more likely that you’ll have several layovers, increasing the likelihood of a delay. For example, if one of your flights takes off late, you may miss your connection, throwing off the whole trip.

Trip delay insurance reimburses you for the loss of prepaid expenses caused by delays. It also covers delay-related costs, such as meals, transportation and overnight accommodations. For example, if a long delay causes you to miss your first prepaid excursion, your trip delay insurance should reimburse you for the loss.

Adventure activity coverage

People flock to Diani Beach, just south of Mombasa, to go jet skiing and enjoy other adventure activities. Since standard insurance policies don’t cover these activities, you may need to purchase an add-on.

Baggage insurance

Comprehensive travel insurance also covers lost, stolen, delayed or damaged baggage. For example, if your luggage arrives in Kenya two days after you do, your insurer may reimburse you for the cost of buying new toiletries or purchasing clothing to wear during the first few days of your trip.

Kenya travel insurance typically doesn’t cover the following:

• Injuries arising from drug/alcohol use or illicit activities
• Normal pregnancy expenses
• Preexisting medical conditions
• Cancellations/interruptions due to foreseeable events
• Fear of flying/fear of travel
• Named storms
• Medical tourism

Travel insurance for a trip to Kenya can cost as little as around $2 per day for basic medical and medevac coverage.

To give you a better idea of how much coverage costs , we got price quotes from some of the top insurance providers . All of our price quotes follow Squaremouth’s guidelines of having at least $100,000 in emergency medical coverage and at least $250,000 in medical evacuation coverage.

The quotes are based on the following criteria:

• Age: 50 years old
• State of residency: California
• Destination: Kenya
• Trip Length: 14 days
• Time of trip: August 2024
• Trip cost: $8,000

For this first example, we got quotes for basic coverage. These travel insurance plans cost around $2 to $5 per day .

Example Where Plan Doesn’t Reimburse the Full Trip Cost

For our next example, our quotes are for comprehensive plans that include trip cancellation and interruption coverage. They range from around $26 to $54 per day .

Example Where Plan Does Reimburse the Full Trip Cost

Keep in mind that the cost of travel insurance varies based on several factors:

• The length of the trip
• The total trip cost
• Number of travelers in the group
• Your destination

This means that how much you’ll pay will differ from the quotes displayed above. For accurate pricing, we recommend you try getting a quote .

To get the best travel insurance for Kenya, follow these steps:

Review your transportation options.

If you have to take multiple flights or use some type of public transportation when you arrive in Kenya, you’ll need extra coverage for delays.

Check your itinerary.

There’s no such thing as a risk-free trip, but some activities are riskier than others. If you plan to climb Mount Kenya, go ballooning or participate in other adventure activities, make sure you purchase add-on coverage.

Buy your policy as early as possible.

Travel insurance only covers unforeseen events, which are events that happen unexpectedly. The longer you wait to purchase coverage, the more likely it is that an unforeseen event will turn into a foreseen event, preventing you from recouping your costs. For example, if you buy a policy after a named storm forms, your insurer won’t reimburse you for any losses associated with the storm.

Is it safe to visit Kenya?

It’s generally safe to visit Kenya, but pay close attention to your surroundings and keep your belongings secure. The U.S. State Department recommends avoiding areas of Kenya that are close to the country’s border with Somalia. Some coastal areas of Kenya also have an increased risk of kidnapping.

You’re not required to purchase travel insurance for Kenya, but we highly recommend it. A comprehensive travel insurance policy can save you the heartache of losing your money if you have to cancel or end your trip early.

Does health insurance for Kenya cover travel expenses?

Standard health insurance only covers medical expenses incurred during your trip, but it’s possible to purchase a comprehensive policy that reimburses you for a variety of travel-related expenses.

Can I buy travel insurance after I've started my trip to Kenya?

It depends on the provider. Some companies allow you to purchase insurance after you’ve started your trip, but others don’t. We recommend buying in advance of your trip to get the broadest coverage.

Is medical travel insurance worth it for a trip to Kenya?

Absolutely. U.S. health insurance doesn’t work in Kenya, so you’ll need some way to cover any emergency medical expenses you incur during your trip.

About the Author

Leigh Morgan is a seasoned personal finance contributor with over 15 years of experience writing on a diverse range of professional legal and financial topics. She specializes in subjects like navigating the complexities of insurance, savings, zero-based budgeting and emergency fund development.

In the last five years, she’s authored over 300 articles for credit unions, digital banks, and financial professionals. Morgan is also the author of “77 Tips for Preventing Elder Financial Abuse,” a book focused on helping caregivers protect the elderly from financial scams.

In addition to her writing skills, she brings real-world financial acumen thanks to her previous experience managing rental properties as part of a $34 million real estate portfolio.

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Travel insurance.

A short-term policy covering medical expenses and financial losses that could arise while you are away from home on a trip, whether business or recreation

First Kenya Travel Cover and Assistance Benefits

Depending on the option/plan you choose, we offer:

• Medical & emergency assistance including Covid-19
• Emergency medical evacuation in case of illness or accident
• Emergency dental care
• Repatriation of mortal remains
• Repatriation of family member travelling with the insured
• Emergency return home following death of close family member
• Travel of one immediate family member for compassionate emergency visit
• 24 hours personal assistance services for medical, legal, pre-departure, general, informational, delivery of medicine & hijack in public means of transport incidences
• Loss of Passport, driving license or national identity card abroad replacement expenses
• Compensation for in-flight loss or delay of checked-in baggage.
• Location and forwarding of baggage and personal effects.
• Personal accidents cover
• Personal liability assistance like advance of legal bail, civil liability, legal defense abroad
• Cancellation or curtailment related costs
• Losses and delays arising from departure, missed connections.

First Kenya Travel Protect Scope and Plans

• Plan Africa
• Europe Basic Plan
• Europe Plus Plan
• Worldwide Basic Plan
• Worldwide Silver Plan
• Worldwide Gold Plan
• Student Plan
• Corporate Plan

Policy Cancellation

Contact First Assurance prior to policy start date for any cancellation and provide requested information.

Head office

First Assurance House, Clyde Gardens, Gitanga Road, Lavington

• – Complaints: [email protected]
• – Customer enquiries: [email protected]
• – Medical claims: [email protected]
• – General Claims: [email protected]
• – Medical underwriting: [email protected]
• – General underwriting: [email protected]
• +254 709 544 000
• +254 722444117
• (0) 20 290 0000

• Whistleblower Policy
• Request a Callback

Travel Insurance

Enjoy a carefree travel experience.

There's nothing quite like the comfort of knowing you have Jubilee Insurance by your side as you travel. With Jubilee travel insurance, you can embark on your travel adventures with peace of mind. Whether you're visiting loved ones overseas or embarking on a solo adventure, our comprehensive Travel Insurance provides the coverage you need for a worry-free trip.

Why choose our Travel Insurance plan?

• With the Per Trip Plan, you can enjoy various benefits, including upfront payment of eligible medical emergency expenses. This coverage ensures that you are protected against unforeseen medical expenses, trip cancellations, or delays, preventing any disruptions to your trip.

Key Benefits

Couple and family coverage options

24-hour worldwide emergency assistance

Medical coverage up to Kes 5 million

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The use of such website is also subject to the terms of use and other terms and guidelines, if any, contained within each such website. In the event that any of the terms contained herein conflict with the terms of use or other terms and guidelines contained within any such website, then the terms of use and other terms and guidelines for such website shall prevail.

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Whether you are travelling for business, to visit loved ones or just to take a break, surprises happen. Travel insurance safeguards travelers from unpleasant surprises that may occur during their journey.

Convenience

Comprehensive cover

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Customized with you in mind

Any Standard Chartered Bank individual current account holder.

Buy this product via the SC Mobile app in minutes and pay from any of your SCB current accounts or credit cards

• Convenience of your Travel cover issuances • One-stop shop for your insurance solutions • Review and negotiations on various travel insurance products • Follow up for speedy facilitation/feedback/settlement of claims by the insurance service provider

You will immediately receive your policy documents by e-mail. You will also receive a confirmation sms from Standard Chartered Bank and from Sanlam Insurance

• Emergency Medical and Related Expenses • Pre-Existing Emergency Medical and Related Expenses for business & leisure comprehensive • Accidental Death and Permanent Total Disablement • International Journey Cancellation, curtailment or Extension • Personal Liability • Hijack & Hostage or Wrongful Detention • Luggage Delay or Loss of luggage

• Business Administrative Plan • Leisure Comprehensive Plan • Schengen Plan • Incoming Plan

You can currently purchase under the Leisure and Incoming Travel plans for your family. The coverage per single policy is limited to 2 adults and a maximum of 4 children.

Business Insurance Plan is an enhanced Travel Insurance Plan for individuals travelling from Kenya to other countries for the purpose of business. The scope of cover for this plan is worldwide but excluding the Sanctioned Countries.

Leisure Insurance Plan is an enhanced Travel Insurance Plan for individuals travelling from Kenya to other countries outside the country for the purpose of having fun or leisure. The scope of cover for this plan is worldwide but excluding the Sanctioned Countries.

The Schengen Plan is a Travel Insurance Plan for individuals travelling within the Schengen Countries

The Schengen countries comprises of European states that have officially abolished passport and all other types of border control at their mutual borders. They include Austria, Belgium, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Slovakia, Slovenia, Spain, Sweden, and Switzerland.

The Incoming insurance plan covers travellers from other countries who are travelling into Kenya.

Yes, all the insurance plans currently are limited to persons between the ages of 0 to 69 years.

You will be required to have a copy of your Immigration passport to be able to purchase our Travel Insurance.

Get in touch with Sanlam General ,Standard Chartered’s 24 hour client contact centre or the Service Provider captured on the policy(Medical Services Organization) in case of medical assistance whilst out of the country.

The family rates include cover for you, your travel companion and dependant Children(up to 4 in number)

Please get in touch with Sanlam General Kenya Limited via the contacts [email protected] or 0719035148

A child refers to a dependant under the age of 18 years and share cover free of charge with their parents.

A written police or airline report is required for the checked in luggage.

Yes its covered under the Business and Leisure plan but limited to inpatient medical expenses only.

Yes there are as captured on the policy wording provided by Sanlam.

We have partnered with Sanlam General Insurance Company Ltd who have partnered with Medical Services Organization as their Global Partner.

Terms & Conditions

• Sanlam Travel Insurance Policy

This solution is underwritten by Sanlam General Insurance Company Limited, who are liable for any loss arising out of the insurance products including payment of claims on this product. Insurance products are distributed through Standard Chartered Bancassurance Intermediary Limited (SCBIL), a wholly owned subsidiary of Standard Chartered Bank, and is regulated by the Insurance Regulatory Authority. Standard Chartered Bank Kenya Limited is regulated by the Central Bank of Kenya. Terms and conditions apply.

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Kenya Travel Insurance

Kenya is one of the African continent’s most popular holiday destinations. With over 60 wildlife reserves and national parks across the country, it’s one of the best places in the world to explore on a safari and discover the breathtaking natural habitats of hundreds of spectacular species, which you may not be able to see anywhere else on the planet.

It is relatively safe to travel to Kenya , a fact which is proven by the thousands of tourists who arrive and leave the country every year without experiencing any issues during their trip. However, purchasing comprehensive travel insurance before your holiday is essential to ensuring that your time in Kenya is experienced with minimal problems or stress.

Whether you are visiting with family or backpacking around Africa alone, securing the best travel insurance for Kenya will put your mind at ease so that any unexpected issues that may arise on your holiday can be dealt with without delay, keeping you safe and secure. From insuring valuable gadgets to getting specialist cover for trekking expeditions or extreme sports , Navigator Travel is your best choice for a travel insurance provider. Below, we delve into what you need to understand before choosing your travel health insurance to Kenya, what carefully crafted travel insurance policies we offer, and other important considerations to make for your next trip to Kenya. 

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Kenya Insurance Cover

Whatever kind of trip to Kenya you are planning, Navigator Travel has a range of different travel insurance policies that ensure you are protected against all eventualities. From safari tours to city breaks or action-packed adventure holidays, if you’re looking for the best travel insurance for your needs for your trip Kenya, we’ve got you covered.

If your trip to Kenya is less than several weeks, then your best choice may be our Short Stay Single Trip Travel Insurance , whilst those who are planning on visiting for longer will get the best deal from our Long Stay Single Trip Travel Insurance . Alternately, if you’ve got a year of travelling planned then we also offer an Annual Multi-Trip policy that offers insurance for several trips taken within the space of 12 months.

If you’ve been thinking about organising a trip to Kenya and want to know what your options for the best travel insurance policies are, we’ve described our insurance plans in further detail below so that you can grasp which one may be best suited for your plans. 

Alternatively, you can get in touch with us today and speak to a member of our team who will be happy to help you find the best travel insurance for Kenya for your plans.

Annual Multi-Trip 

Our annual multi-trip insurance is perfect for travellers who often find themselves jetting off to multiple destinations around the world within a year. If you know that you’ll likely be travelling to a variety of different countries in a 12-month period, not only does an annual multi-trip plan offer you better value for money, but it also offers convenience given you won’t have to purchase a new policy before every trip. 

With the annual multi-trip policy, each of your holidays or trips can last up to 31, 45, or 62 days. This depends on the specific level of coverage you opt for in the plan you purchase. If you live in the UK, there’s no restriction on the number of trips you can make in a year. 

You can delve into further detail about our annual multi-trip travel insurance over on our dedicated webpage to see if it’s the right travel insurance policy for Kenya to suit your needs.

Long-stay Single-trip

For those planning to have a holiday that lasts more than a few weeks, it’s worth considering what a long-stay single-trip insurance policy can offer you. 

Our long-stay single-trip insurance policy is designed for those who are planning on travelling from the UK to a destination, such as Kenya, for anywhere between 2 months to one and a half years. This is a suitable policy for those who are either travelling for business or leisure, and you can choose from a range of cover options offered by our Standard, Enhanced, and Prime schemes to suit your travel plans.

For those who plan to embark on a gap year , or who may be volunteering , studying , or working long-term abroad, this is also a suitable policy and will allow you to be fully protected whilst you embark on this stage of your life. 

There is a selection of long-term travel insurance policy options that we offer, so if you plan on spending an extended period of time discovering Kenya’s breathtaking landscapes, culture, and wildlife, you can find out more about the specifics of these insurance plans.

Short-stay Single-trip 

If it’s just a short trip to Kenya that you’re after, our single-trip travel insurance policies are the ideal option. Offering the cover you need for a short trip, whether for a few days or a couple of weeks, you can be sure that you have the best travel insurance for Kenya to cover your endeavours. 

The main requirement to be covered by our short-stay travel insurance policies is that your trip isn’t any longer than 62 days. Our Silver, Gold, & Diamond short-stay single-trip insurance policies will work for you for any trips under this duration of time, whether for business or leisure. We also offer deals for those travelling as a family or with young children, meaning you can obtain cheap travel insurance to Kenya for your level of cover.

For additional details about our short-stay single trip policy, you can read further insight on our short-stay single trip policy page here . 

Health Insurance for Kenya: What You Need to Know 

When on any holiday, there’s always a risk of facing a medical emergency . The likelihood of this increases if you have a pre-existing medical condition or are receiving vital medical treatment and care. If whilst on your holiday you need to seek medical assistance, or your medical circumstances mean you have to cancel your trip last minute, this is when your travel insurance comes into play. 

Opting for the right travel medical insurance for Kenya means that you can have the peace of mind that, if a medical situation arises whilst you’re on your travels, you will be protected from the expenses incurred. We would always advise that you consult your doctor before you travel to any destination, whether Kenya or otherwise, to see if you’re fit to travel to that location. It’s also crucial to have a discussion with your travel insurance provider so that you can express your needs from your policy and they can advise on the best options available to you. 

Our team of experts here at Navigator Travel have years of experience in advising what the best travel insurance policies are for individuals with a range of different personal and medical circumstances. You can contact us today to chat about your travels and we can support you in finding the best travel insurance for Kenya. 

How Do I Get Emergency Treatment While in Kenya? 

Should you need emergency medical treatment or assistance during your travels to Kenya, you will need to call the country’s local emergency service line on 999, 112, or 911, or take yourself to a medical facility with an emergency department. In Nairobi, for example, the Aga Khan University Hospital or Nairobi Hospital have large accident and emergency departments where you can seek emergency treatment. 

Should you ever need emergency treatment while in Kenya, make sure that you also call your insurance provider to seek their advice on what action you should take. It’s essential that you opt for the best travel medical insurance for Kenya to suit your personal circumstances and plans during your travels so that any emergency treatment you seek can be covered by your policy. 

Travel Insurance for Kenya: Our Advice

Safety whilst travelling in kenya.

One question that we often hear is: is Kenya safe for tourists? Whilst many travellers visit Kenya for a holiday and have no problems, it is advised that visitors exercise caution in the country, much like in any new destination. 

Crime in Kenya is moderate, with muggings, armed robberies, and carjackings occurring often. Bag snatching is also common in locations such as public transportation stations and onboard public transport vehicles. Like any travel experience, you should remain vigilant at all times and follow the advice including avoiding dark or unpopulated streets and not wearing expensive jewellery. 

Additional Cover for Your Trip to Kenya

In line with the above, your travel insurance for Kenya can cover you should you have an item stolen if you opt for additional gadget cover , which is available with a selection of our travel insurance policies. 

You may also want to consider whether other forms of cover are important for your trip to Kenya. For example, if you plan on engaging in any high-risk or dangerous activities during your travels, you’ll need to consider whether these are covered in your chosen insurance plan and if not whether they can be added. 

Activities such as extreme sports or trekking can be taken part in whilst visiting Kenya, so you should consider whether you want to add any of these to your trip itinerary so that you can select the best travel insurance for Kenya that accommodates this.

Keep Up to Date on the Latest Travel Advice

We would always advise travellers to stay up to date on the latest foreign travel advice from the UK government if they’re planning on visiting Kenya. Should the FCDO advise against travel to Kenya, travellers would be wise to put their plans on hold.

Kenya Travel Insurance: Frequently Asked Questions

What vaccinations do i need for kenya.

If you’re travelling to Kenya from the UK, it is advised that you have the necessary courses of Hepatitis A, Poliomyelitis, Diphtheria, and Tetanus. You may want to consider courses of additional vaccinations based on the activities, alongside dietary and living arrangements, you’ll be taking part in during your stay in the country. These include hepatitis B, Rabies and Typhoid. 

There is a risk of yellow fever transmission in parts of Kenya. As such, travelling there requires the Yellow Fever vaccination and proof of this vaccination with an official Yellow Fever certificate, which you will gain from your nurse or doctor after receiving the vaccine.

As always, you should discuss with your doctor, nurse, or pharmacist about what vaccinations are advised based on your personal circumstances and travel plans. Your travel medical insurance for Kenya will cover you for medical treatments you may need once in the country, but vaccinations are necessary to protect you from serious diseases or infections. 

How Much is Travel Insurance to Kenya? 

The cost of travel insurance to Kenya varies based on a number of factors, much like any insurance policy. These factors include your age, pre-existing medical conditions, and whether or not you plan on participating in high-risk or adventure activities during your travels. Thus, the price of a travel insurance policy to Kenya can vary greatly. 

Here at Navigator Travel, we pride ourselves on offering comprehensive travel insurance cover that remains affordable. From cheap travel insurance to Kenya to paying a little more for a plan offering the full works, see what travel insurance we have in store for you on our website .

Annual Multi-Trip

Cover for multiple trips.

• Up to 45 days each trip
• Option to extend to 62 days
• Special deals for couples and families

Long Stay Single Trip

Cover from 2 to 18 months.

• Extended backpacking
• Career breaks
• Volunteering
• Working holidays abroad

Short Stay Single Trip

Cover for up to 62 days.

• Single holiday
• Business trip
• Special rates for families
• Accompanied kids go free

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Kenya Travel Insurance

Safety and travel insurance in kenya.

Health Consideration for Visitors to Kenya

Kenya, in theory, provides public healthcare to its population. Basic primary care is provided to the Kenyans at primary health care centers and dispensaries. Dispensaries are what Americans would call clinics; they are run and managed by registered nurses who are supervised by the nursing officer. These dispensaries provide outpatient services for simple concerns like a cold or flu, common rashes or skin conditions, and other uncomplicated problems. In more complicated cases, patients are referred on to physician care.

Community hospitals are able to provide routine surgical and maternity care, while the most complicated cases are handled at the large public hospitals in Nairobi.

While this public system does exist, Kenyans and expats alike tend to use the private system whenever they can afford it.

Some of the Top Hospitals in Kenya

• The Aga Khan Hospital, Mombasa
• Aga Khan Hospitals
• Gertrude Gardens Children’s Hospital
• Kenyatta National Hospital
• Kijabe Mission Hospital

Private Healthcare in Kenya

In the largest cities, Nairobi and Mombasa, there are well respected, reputable private hospitals and practitioners who provide a high standard of care in most medical cases. However, for complex cases or sometimes just as a personal preference, many expats from the west choose to be evacuated to South Africa or even to the UK.

Paying for private treatment or evacuation out of pocket is prohibitively expensive, and for this reason, selecting a global travel health insurance plan that includes emergency evacuation coverage is a must.

Even before you arrive in Kenya, it is a good idea to use the internet to locate the closest hospital to your home and place of work. Keep their emergency phone numbers and ambulance service number (if it is different) in a safe and obvious place. While there is a public emergency number (999), it will connect you with government-run hospital ambulance services – which are certainly better than not having a number at all, and there will almost always be someone who speaks English.

Cigna Global Insurance Plan

• The flexibility to tailor a plan to suit your individual needs
• Access to Cigna Global’s trusted network of hospitals and doctors
• The convenience and confidence of 24/7/365 customer service

Vaccinations Required for Visitors to Kenya

As before any travel abroad, it is important to ensure that your regular common immunizations are up-to-date before your trip. These vaccines, as recommended by the CDC , include MMR, tetanus, diphtheria, and polio as well as an annual influenza (flu) vaccine. Most travel physicians and clinics also recommend hepatitis A and B, typhoid and yellow fever vaccines for travel to this area of the world.

The risk of malaria in Kenya exists, but the size of the risk will depend on where you plan to be. See the CDC’s Kenya recommendations . In addition, other insect-borne diseases such as dengue fever and chikungunya can be avoided by wearing insect repellent with DEET.

A note about Travelers’ Diarrhea: Diseases that come from food and water are still the number one cause of illness in travelers. Travelers’ Diarrhea can come from viruses, bacteria, or parasites, all of which are found in Kenya (and most of the world) and can contaminate food or water. Do your best to consume food from places that serve other westerners.

Is the Water Safe to Drink in Kenya?

Bottled water is widely available is the only guaranteed safe water to drink in Kenya. Even then, make sure you purchase water that is in a sealed bottle and that you avoid using unpackaged straws which can also harbor germs.

Avoid consuming water straight from the taps. If this is the only source available, boil the water and then cool it before drinking.

Common Sense Tips for Staying Healthy and Safe While in Kenya

• Eat and drink food from known sources
• Prevent insect bites by wearing repellent containing DEET
• Avoid animals that are not known to you
• Wash hands frequently and avoid touching your eyes, mouth, and nose whenever possible

Personal and Public Safety in Kenya

The US, Canadian and UK governments all recommend that their citizens traveling to Kenya be vigilant in this country. This is a result of a rise in the number and frequency of terrorist attacks and crime occurring in the country. Areas that require an especially high degree of caution include the cities of Nairobi and Mombasa, as well as the regions bordering Somalia, Ethiopia, and South Sudan.

Tips for Staying Safe While Traveling in Kenya

• Make a copy of your passport and keep it in your luggage; keep a password-protected electronic copy stored online
• Don’t walk on your own at night in the major cities or on empty beaches
• Do not wear jewelry
• Do not carry too much cash with you
• Wear a money belt that fits under your clothes
• Don’t carry a lot of camera equipment especially in the major cities
• Beware of thieves posing as police officers or other conmen
• Choose recommended transportation options
• Plan your route ahead of time and avoid unknown or dangerous neighborhoods

Finding the Right Travel Insurance for Visitors to Kenya

For individuals planning a move or extended travel to Kenya, there are two important things to keep in mind:

• There is likely to be a lack of access to public medical care for foreigners.
• The public healthcare options, if accessible, will most likely be below the standard of care that you expect or feel comfortable using.

Finding the global health insurance plan is a critical part of planning your travel. If you are moving for a job, most employers will provide healthcare insurance as part of a benefits package. Even so, consider an International Health Insurance plan if you are working in Kenya, self-employed or staying longer term.

If you will only be working the country short-term or you are simply traveling for pleasure, you will be best served by a travel medical insurance plan .

• Emergency medical, evacuation, repatriation benefits
• Choose between the basic and more extensive coverage
• Meets Schengen visa insurance requirements
• 24/7 worldwide travel and emergency medical assistance

Kenya Travel Warnings and Alerts

Prior to your travel to Kenya, check with your local government for any travel warnings, advisories or updates.

• US Department of State Kenya Travel Warnings
• Read:  Travel Warnings and Alerts Overview

More Travel Medical Insurance Advice for Visitors to:

Visitors to Australia  |  Canada Travel Insurance | Visitors to China  |  Costa Rica Travel Insurance  |  France  |  German Travel Insurance |  Travel to India  |  Visitors to Ireland  |  Mexico Travel Insurance  |  Visitors to Thailand | USA Travel Insurance

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Don’t just travel… Travel smart and ensure your safety is well prioritized.

Emergency Medical expense & hospitalization while on a trip abroad.

Emergency medical evacuation in case of illness or accident.

Repatriation of family members travelling with the insured.

Repatriation of mortal remains.

Emergency return home following the death of a close family member

24 hour Personal Accident cover.

Loss & Delays. Loss of passport, driving license, national ID card abroad, checked-in Baggage and delay in the arrival of luggage and in departure.

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