travel medical insurance kenya

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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.

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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Top Travel Insurances for Kenya You Should Know in 2024

Byron Mühlberg

Monito's Managing Editor, Byron has spent several years writing extensively about financial- and migration-related topics.

Links on this page, including products and brands featured on ‘Sponsored’ content, may earn us an affiliate commission. This does not affect the opinions and recommendations of our editors.

Probably the most well-known East African country among tourists, Kenya is a country that offers a lot to visitors, including unique wildlife, stunning landscapes, and rich cultural heritage such as the Maasai Mara. Although travelling to Kenya can be an accessible holiday destination for many people, and although healthcare costs in the country aren't outrageously expensive, it's still a very good idea to arrive there with travel insurance anway, as you'll want the highest-quality healthcare you can find.

Luckily, online global insurances (known as 'insurtechs') specialize in cost-savvy travel insurance to Kenya and other countries worldwide. Our list below explores the four services we believe provide the best deals for young travellers, adventurers, everyday holidaymakers looking for comprehensive but affordable coverage, and longer-term expats.

Kenya Insurance Profile

Here are a few of the many factors influencing the scope and cost of travel insurances for Kenya:

Best Travel Insurances for Kenya

• 01. Should I get travel insurance for Kenya? scroll down
• 02. Best medical coverage: VisitorsCoverage scroll down
• 03. Best trip insurance: Insured Nomads scroll down
• 04. Best mix for youth and digitial nomads: SafetyWing scroll down
• 05. FAQ about travel insurance to Kenya scroll down

Heading to Kenya soon? Don't forget to check the following list before you travel:

• 💳 Eager to dodge high FX fees? See our picks for the best travel cards in 2024.
• 🛂 Need a visa? Let iVisa take care of it for you.
• ✈ Looking for flights? Compare on Skyscanner !
• 💬 Want to learn the local language? Babbel and italki are two excellent apps to think about.
• 💻 Want a VPN? ExpressVPN is the market leader for anonymous and secure browsing.

Do I Need Travel Insurance for Kenya?

No, there's currently no legal requirement to take out travel insurance for travel to or through Kenya.

However, regardless of whether or not it's legally required, it's always a good idea to take our health insurance before you travel — whether to Kenya or anywhere else. For what's usually an affordable cost , taking out travel insurance will mitigate most or all of the risk of financial damage if you run into any unexpected troubles during your trip abroad. Take a look at the top five reasons to get travel insurance to learn more.

With that said, here are the top three travel insurances for Kenya:

VisitorsCoverage: Best Medical Coverage

Among the internet's best-known insurance platforms,  VisitorsCoverage  is a pioneering Silicon Valley insurtech company that offers comprehensive medical coverage for travellers going abroad to Kenya. It lets you choose between various plans tailored to meet the specific needs of your trip to Kenya, including coverage for medical emergencies, trip cancellations, and travel disruptions. With its easy online purchase process and 24/7 live chat support, VisitorsCoverage is a reliable and convenient option if you want good value and peace of mind while travelling abroad.

• Coverage 9.0
• Quality of Service 9.0
• Pricing 7.6
• Credibility 9.5

VisitorsCoverage offers a large variety of policies and depending on your needs and preferences, you'll need to compare and explore their full catalogue of plans for yourself. However, we've chosen a few highlights for their travel insurance for Kenya:

• Policy names: Varies
• Medical coverage: Very good. Includes coverage for doctor and hospital visits, pre-existing conditions, repatriation, mental health-related conditions, and many others.
• Trip coverage: Excellent - but only available for US residents.
• Customer support: FAQ, live chat and phone support
• Pricing range: USD 25 to USD 150 /traveller /month
• Insurance underwriter: Lloyd's, Petersen, and others
• Best for: Value for money and overall medical coverage

Insured Nomads: Best Trip Coverage

Insured Nomads is another very good travel insurance option, especially if you're adventurous or frequently on the go and are looking for solid trip insurance with some coverage for medical incidents too. With Insured Nomads, you can choose the level of protection that best suits your needs and enjoy a wide range of benefits, including 24/7 assistance, coverage for risky activities and adventure sports, and the ability to add or remove coverage as needed. In addition, Insured Nomads has a reputation for providing fast and efficient claims service, making it an excellent choice if you want peace of mind while exploring the world.

• Coverage 7.8
• Quality of Service 8.5
• Pricing 7.4
• Credibility 8.8

Insured Nomads offers three travel insurance policies depending on your needs and preferences. We go through them below:

• Policy names: World Explorer, World Explorer Multi, World Explorer Guardian
• Medical coverage: Good. Includes coverage for doctor and hospital visits, pre-existing conditions, repatriation, and many others.
• Trip coverage: Good. Includes coverage for trip cancellation and interruption, lost or stolen luggage (with limits), adventure and sports activities, and many others.
• Customer support: FAQ, live chat, phone support
• Pricing range: USD 80 to USD 420 /traveller /month
• Insurance underwriter: David Shield Insurance Company Ltd.
• Best for: Adventure seekers wanting comprehensive trip insurance

SafetyWing: Best Combination For Youth

SafetyWing is a good insurance option for younger travellers or digital nomads because it offers flexible but comprehensive coverage at a famously affordable price. With SafetyWing, you can enjoy peace of mind knowing you're covered for unexpected medical expenses, trip cancellations, lost or stolen luggage, and more. In addition, SafetyWing's user-friendly website lets you manage your policy, file a claim, and access 24/7 assistance from anywhere in the world, and, unlike VisitorsCoverage, you can even purchase a policy retroactively (e.g. during a holiday)!

• Coverage 7.0
• Quality of Service 8.0
• Pricing 6.3
• Credibility 7.3

SafetyWing offers two travel insurance policies depending on your needs and preferences, which we've highlighted below:

• Policy names: Nomad Insurance, Remote Health
• Medical coverage: Decent. Includes coverage for doctor and hospital visits, repatriation, and many others.
• Trip coverage: Decent. Includes attractive coverage for lost or stolen belongings, adventure and sports activities, transport cancellation, and many others.
• Pricing range: USD 45 to USD 160 /traveller /month
• Insurance underwriter: Tokyo Marine HCC
• Best for: Digital nomads, youth, long-term travellers

How Do They Compare?

Interested to see how VisitorsCoverage, SafetyWing, and Insured Nomads compare as travel insurances to Kenya? Take a look at the side-by-side chart below:

Data correct as of 4/1/2024

FAQ About Travel Insurance to Kenya

Travel insurance typically covers trip cancellation, trip interruption, lost or stolen luggage, travel delay, and emergency evacuation. Some travel insurance packages also cover medical-related incidents too. However, remember that the exact coverage depends on the insurance policy.

No, you'll not be required to take out travel insurance for Kenya. However, we strongly encourage you to do so anyway, because the cost of healthcare in Kenya can be high, and taking out travel insurance will mitigate some or all of the risk of covering those costs yourself if you need medical attention during your stay.

Yes, medical travel insurance is almost always worth it, and we recommend taking out travel insurance whenever visiting a foreign country. Taking out travel insurance will mitigate some or all of the risk of covering those costs yourself in case you need medical attention during your stay. In general, we recommend VisitorsCoverage to travellers worldwide because it offers excellent value for money and well-rounded travel and medical benefits in its large catalogue of plans.

Health insurance doesn't cover normal holiday expenses, such as coverage for missed flights and hotels, but in case you run into medical trouble while abroad, it may cover some or all of your doctor or hospital expenses while overseas. However, not all health insurance providers and plans offer coverage to customers while abroad, and that's why it's generally best to take out travel insurance whenever you travel.

Although there's overlap, health and travel insurance are not exactly the same. Health insurance covers some or all of the cost of medical expenses (e.g. emergency treatment, doctor's visits, etc.) while travel insurance covers non-medical costs that are commonly associated with travelling (e.g. coverage for missed flights, stolen or lost personal belongings, etc.).

The cost of travel insurance depends on several factors, such as the length of the trip, the destination, the age of the traveller, and the level of coverage desired. On average, travel insurance can cost anywhere between 3% and 10% of the total cost of the trip.

A single-trip travel insurance policy covers a specific trip, while an annual one covers multiple trips taken within a one-year period. An annual policy may be more cost-effective for frequent travellers.

Yes, you can sometimes purchase travel insurance after starting your trip, but it is best to buy it before the trip begins to ensure maximum coverage. If you do need to buy insurance after you've started your trip, we recommend VisitorsCoverage , which offers a wide catalogue of online trip and medical insurance policies, most of which can be booked with immediate effect. Check out our guide to buying travel insurance late to learn more.

Yes, you can most certainly purchase travel insurance for a trip that has already been booked, although we recommend purchasing insurance as soon as possible aftwerwards to ensure all coverage is in place before your journey begins. Check out our guide to buying travel insurance late to learn more.

See Our Other Travel Insurance Guides

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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

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.

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• 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 a global medical 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:

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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.

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

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Kenya Travel Insurance Requirements

Last updated: 03/07/2024

Squaremouth’s Kenya Travel Insurance Recommendations

Home to more than 50 national parks, Africa’s second highest mountain, and some of the world’s most diverse wildlife populations, it’s no surprise why tourists from around the world flock to Kenya. Even though Kenya has no official travel insurance requirements, country officials and travel experts both strongly urge all visitors to obtain a travel insurance policy due to high trip costs and the potential for high medical bills.

When traveling to Kenya, Squaremouth recommends a comprehensive travel insurance policy that includes the following benefits:

Kenya Cancellation Coverage

From flights to safari tours, visiting Kenya can be a costly adventure. In 2022, Squaremouth data indicates that the average trip to Kenya cost travelers more than $11,5000 per group.

Having a travel insurance policy with cancellation coverage is a smart way to protect your trip investment. With the Trip Cancellation benefit, travelers can be reimbursed if they fall ill, get injured, or experience other covered disruptions prior to departing for their trip.

Policies with Trip Cancellation also include Trip Interruption coverage, which can provide travelers reimbursement if unexpected events cause them to return home from their trip early. This benefit applies to travelers that have already departed for their trip and have unused, nonrefundable trip costs.

Common covered reasons include unforeseen illness, injury, or death of the traveler, a traveling companion, or a non-traveling family member. Other covered cancellation reasons may also include terrorism, inclement weather, or a natural disaster, among others. With this coverage, travelers can receive up to 100% reimbursement for their insured trip costs.

Kenya Travel Medical Insurance

Safaris and cultural tourism are some of the main drivers of visitors to Kenya, often taking travelers deep into remote areas of the countryWhen traveling to remote locations, far from hospitals and treatment facilities, it’s recommended to have a policy with high medical coverage.

Medical coverage is broken down into two main components, Emergency Medical and Medical Evacuation .

The Emergency Medical benefit covers the costs of medical treatment in the event of an illness or injury during their trip. If a traveler gets sick or injured while in Kenya, this benefit can cover physician services, ambulance expenses, and other costs of treatment. Given the potential high costs of treatment, we recommend a policy of at least $100,000 in Emergency Medical coverage.

The Medical Evacuation benefit can transport a traveler to the nearest adequate hospital in the event of a medical emergency. For example, if a traveler experiences an emergency while on a safari, this benefit can cover the costs of an evacuation. Due to the significant costs of an emergency evacuation, we recommend Kenya visitors find a policy with at least $250,000 in Medical Evacuation coverage.

Kenya Delay Coverage

While Kenya is home to one of Africa’s busiest airports, many tourists still may need to take a multi-leg journey to reach their destination. With that said, many comprehensive travel insurance policies offer protection for travelers that experience delays that impact their trip.

With the Travel Delay benefit, travelers can get reimbursed the cost of food and accommodations expenses incurred during a delay. A policy’s Missed Connection benefit can also reimburse travelers if a delay causes travelers to miss a connecting flight on route to or from their destination.

In addition, most comprehensive travel insurance policies come with both Baggage Delay coverage and Baggage & Personal Items Loss protection. Both benefits will offer reimbursement to travelers if their baggage gets damaged, delayed, or lost at any point during their trip.

Kenya Travel Insurance Trends and Data

For many, Kenya is the ultimate ‘once in a lifetime’ safari trip, with quintessential African wildlife and scenery on offer all throughout the nation.

Destination Rank: 40

Percentage of Squaremouth Sales: 0.67%

Average Premium: $767.19

Average Trip Cost: $12,827.85

Squaremouth Analytics compares thousands of travel insurance policies purchased pre- and post-pandemic to identify changes and trends in the travel insurance industry.

Helpful Links

• Kenya Tourism
• U.S. Embassy in Kenya

Available Topic Experts for Media:

Squaremouth's destination information is free and available for use within your reporting. Please credit Squaremouth.com for any information used.

Squaremouth's topic experts are on hand to answer your questions. Contact a member of our team for media inquiries about Squaremouth Analytics or to schedule an interview.

Steven Benna, Lead Data Analyst: [email protected]

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There are good reasons to consider travel insurance from aig.

Tailored to meet all needs of students, groups, individuals, and corporate business travellers.It covers accidental injuries, medical expenses, loss of personal effects and travel delays; hijackings, personal liability and legal expenses.

Benefits of travelling with AIG

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Travel insurance is an important consideration for anyone planning a trip, whether for vacation or business. Our travel insurance plans cover the most common risks that travelers face, such as medical emergencies, lost luggage, trip cancellations, evacuations, and delays. We offer four different travel plans: the Gold Plan, Premium Plan, Schengen Plan, and Student Plan. You get to choose the one that best suits your needs and travel with peace of mind knowing that you are covered by our comprehensive travel insurance policy.  It's important to note that this policy is not a general health insurance policy, but rather is intended for use by the insured in the event of sudden and unexpected sickness or accident arising when the insured are outside their home country. 

• 24-hour emergency medical assistance 
• Personal accident cover, including permanent total disability 
• Compensation for travel delay 
• Loss of traveler's property 
• Emergency medical expenses and evacuation 
• Emergency dental care 
• Repatriation of mortal remains 
• Hospital benefits 
• Personality liability 
• Hijack coverage 
• Loss of passport 
• Cancellation and curtailment 
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What is covered with travel insurance to Kenya?

As standard, our policies cover for  over 50 sports and activities , so you can get up to more on your holiday. We also offer a range of benefits, some of which include:

• Medical expenses and hospital benefit
• Personal accident and liability
• Cancelling and cutting short your holiday
• Abandoning your trip
• Delayed departure
• Accommodation cover
• Personal belongings and baggage
• Personal money, passport and travel documents
• Legal expenses

For more information about what’s covered with travel insurance for Kenya, have a read of our  policy documents here .

Our Coronavirus Travel Insurance is rated Superior by a leading UK Consumer Champion. All of our policies will cover you if you catch Coronavirus.

Good to know

Before you go to Kenya, make sure you have the right travel insurance . Some things to consider are:

• The activities you’re likely to be doing – if you’re planning anything really extreme, we can offer you extra cover with our  adventure and extreme sports policy , if needed
• The cost of your holiday – Sometimes things happen outside of your control, meaning you have to cancel your trip. So it’s reassuring to know that you are able to cover costs
• The cost of your baggage
• Also, don’t forget to check the  latest travel advice for Kenya from the FCDO

We’ve put together some helpful facts, along with some other important information that you might want to know before your trip to Kenya:

Do I need a visa for Kenya?

Yes, as a UK citizen travelling to Kenya you will need to apply for a visa. You can either get your visa on arrival or before you travel; it’s advised that you apply for your visa before you travel to avoid any queues at the airport. For more information about  vists and entry requirements for Kenya, visit the GOV.UK site .

Healthcare in Kenya

Private and public healthcare services are both available in Kenya, however, the facilities can vary quite significantly depending on where you travel to in Kenya. We advise that you make sure you have adequate travel insurance that includes medical conditions before travel, to avoid any costly bills, should anything happen whilst abroad.

It’s also really important to make sure you speak to your GP at least 4 to 6 weeks prior to travel to check whether there are any vaccinations or other preventatives needed.

You can find more information about  healthcare in Kenya here .

Medical & Emergency Assistance in Kenya

If something happens while you’re in Kenya and you need emergency treatment for an illness or injury, we’re here to help.

All travel insurance policyholders have access to our 24-hour medical assistance team .

• Unlimited emergency medical expenses available on Black level policies.
• Based on 2,050 responses, correct as of 22/01/2024

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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.

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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

If you are planning a trip to Kenya you may highly benefit from our Kenya Travel Insurance.

 What is Travel Insurance?

Travel  insurance is  a  type  of insurance that covers the costs and  losses  associated with traveling. It is a plan you purchase that protects you from certain financial risks that can occur while traveling, such as a delayed suitcase, a trip cancellation, or a medical emergency overseas. Helps travelers deal with various contingencies that can occur during their trips.

The Significance of Travel Insurance

This insurance is significant because it offers travelers peace of mind and financial protection. It ensures that they are not burdened with exorbitant costs in case of unexpected incidents such as medical emergencies, trip cancellations, lost luggage, or other unforeseen events during their travels.

Benefits of Comprehensive Coverage

Comprehensive coverage is more than just protection; it's your ticket to peace of mind. It goes beyond addressing health risks and travel disruptions; it empowers you to immerse yourself in the Honduran experience fully.

best places to visit in kenya

Maasai mara national reserve.

Maasai Mara National Reserve , locally known simply as The Mara, is one of Africa’s most magnificent game reserves in Narok, Kenya, contiguous with the Serengeti National Park in Tanzania. 

The park is famous for the Great Migration, when thousands of wildebeest, zebra, and Thomson’s gazelle travel to and from the Serengeti, from July through October. In the Mara River, throngs of hippos and crocodiles lurk. The park is also known for providing excellent predator sightings, thanks to its relatively large populations of lions, cheetah, and leopard – especially in the dry months from December through February.

Lamu Island 

Lamu Island  is a port, city, and island of Kenya, just off the shore in the Indian Ocean approximately 240 km from Mombasa.

The island oozes old-world charm. A UNESCO World Heritage Site, Lamu Old Town is Kenya’s oldest continually inhabited settlement, with origins dating back to the 12th century. You can see the island’s rich trading history reflected in the buildings, with architectural features from the Arab world, Europe, and India. Lamu island also takes you back in time. Dhows plow the harbor, few if any motorized vehicles exist here, and donkeys still rule the streets as they have done for centuries. Lastly, one of the top attractions on the island is the Lamu Museum, with displays of Swahili culture and the region’s nautical history.

Continents:

The European continent is located completely in the northern hemisphere and mainly in the eastern hemisphere. Europe borders onto the Arctic Ocean in the North, the Atlantic Ocean in the west and the Mediterranean Sea in the South. There are 50 countries in Europe with a total of more than 748 million people living on the continent in 2021.

There are 49 countries in Asia according to the UN. The 10 biggest countries are listed in the right column of this page. Two of the Asian countries, Russia and Turkey, also share part of their territory on the European continent. Additionally there are two countries that only have limited international recognition: State of Palestine and Republic of China/Taiwan and some dependencies. Asia is the most populous continent with more than 4.7 billion people living there. (2022)

There are 54 countries in Africa – and 9 dependent territories. More than 1.3 billion people live on the African continent. This means about 15% of the world’s total population live in Africa! Even though Nigeria is only a third of the size of Algeria, it is the most populous country in Africa, with more than 219 million people.

NORTH AMERICA

Oceania is in a continental group consisting of 14 countries and includes Pacific islands and Australia. Often Australia is named as a continent, but this means that the many islands and countries except Australia would then be not included. Oceania in fact is mostly ocean and spans a vast area as you can see below.

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Travel insurance for schengen visa in kenya- buy online now.

Get travel insurance for Schengen Visa in Kenya. Buy it online today in 5 minutes and enjoy a worry-free trip. Protect yourself now

Are you planning a trip to Schengen countries from Kenya? If yes, then you must know that travel insurance for Schengen visa is mandatory. In this article, we will discuss everything you need to know about travel insurance for Schengen visa in Kenya.

What is Schengen Visa?

The Schengen visa is a document that allows tourists to enter and move freely in the Schengen area. The Schengen area includes 27 countries in Europe that have abolished border control between them.

Why Do You Need Travel Insurance for Schengen Visa?

The Schengen countries require all visitors to have valid travel insurance. This insurance must cover the entire duration of your stay and provide a minimum coverage of €30,000 for medical emergencies, repatriation, and accidental death.

Travel insurance for Schengen visa protects you against unexpected expenses, including medical emergencies, loss of baggage, and trip cancellation. Without travel insurance, you could face financial loss and legal problems.

What should I consider before buying Travel Insurance for Schengen Visa in Kenya?

Here are some of the factors you need to consider before buying a travel insurance for Schengen visa in Kenya Cover:

Make sure that your insurance covers all the requirements for Schengen visa.

• Policy limits

Check the policy limits to ensure that they meet the Schengen visa requirements.

Choose an insurance company with a good reputation and customer service.

• Claim process

Make sure that the claim process is easy and hassle-free

Why Choose Our Outbound Travel Insurance for Your Schengen Visa?

At GA Insurance, we offer comprehensive travel insurance that covers all the necessary aspects and provides peace of mind during your trip. Here are some reasons why you should choose GA Insurance for your Schengen visa travel insurance:

• Comprehensive coverage: Our travel insurance covers all the mandatory requirements for Schengen visa, including medical emergencies, repatriation, and accidental death. Additionally, we cover other expenses such as trip cancellation, loss of baggage, and personal liability.
• Hassle-free claims process: We have a simple and easy claims process that ensures quick and efficient settlement of claims.
• 24/7 emergency assistance: Our travel insurance comes with 24/7 emergency assistance, ensuring that you can get help whenever you need it.
• Good reputation: As per the latest IRA report for 2022 industry performance, we are one of the top 3 insurance companies in Kenya that has been providing quality insurance services to Kenyans. You can trust us to provide you with the best travel insurance for your Schengen visa.
• Quick online Buying process: Our travel cover can be instantly purchased online within 5 minutes and have your policy document straight away.
• Covid-19 Coverage Benefits: Our travel insurance cover has Covid-19 Cover benefits extension coverage incase you get COVID-19 while on trip to Schengen countries from Kenya

Are you planning a trip to Schengen countries from Kenya? Choose GA Insurance for your Schengen visa travel insurance from Kenya and enjoy a worry-free trip. Click Here to Buy the Cover Online Now!!

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Hello any recommendations for international travel

insurance would want to include emergency evacuation from the Mara in case of any Health issues thanks in advance

3 replies to this topic

If you have any health issue you can advise your TO to include an AMREF flying medical cover on your safari package https://flydoc.org/maisha/ Amref have the best medical cover for tourists.

I used AIG and got a Travel Guard Plus policy for trip in September. It includes trip cancellation, travel medical expense and emergency evacuation. I found them very helpful and policy was reasonable. Hopefully won't have to use it but good to have.

I go to insuremytrip.com and enter my details and it presents a range of possibilities that I can then do a side by side comparison on and narrow down my options based on what I want covered. Note that if you’re buying it more than 14 days after you put down a deposit, it will not cover anything resulting from pre-existing conditions.

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Kenya Travel Insurance

Buy Tata AIG Kenya Travel Insurance from India at just ₹45.50 per day*

“Live life with no excuses, travel with no regret.”

These words by the poetic pioneer Oscar Wilde encapsulate the essence of travel, and what better destination to embark on a thrilling adventure than the scenic landscapes of Kenya?

From the vast savannas of the Maasai Mara to the pristine beaches of the Indian Ocean, Kenya offers a tapestry of experiences for every traveller.

Situated picturesquely in East Africa, Kenya is renowned for its rich biodiversity, vibrant cultures, and iconic wildlife. The allure of witnessing the Great Migration, exploring the Maasai villages, or gazing at the snow-capped peaks of Mount Kenya is irresistible.

However, amidst the excitement of planning a Kenyan escapade, one crucial aspect often overlooked is travel insurance.

Kenya, like any travel destination, presents its own set of uncertainties. Unforeseen challenges can arise from unexpected medical emergencies, trip cancellations, or lost baggage.

This is where the importance of travel insurance comes into play. Tata AIG's comprehensive travel insurance plans provide a safety net, ensuring that unexpected setbacks do not mar your journey.

For instance, our flight cancellation insurance can reimburse you the money you would otherwise lose if the flight gets cancelled due to unforeseen circumstances.

With Tata AIG's travel insurance, you can enjoy the splendours of Kenya with peace of mind. Whether you're on a safari adventure or exploring the vibrant city of Nairobi, our plans cover a range of contingencies, including medical expenses, trip cancellations, and baggage loss.

As you plan your Kenyan odyssey, let Tata AIG be your trusted companion, ensuring that your travel memories are filled with joy and discovery, unburdened by worries.

Travel Insurance for Kenya from India

Embarking on a journey to Kenya from India promises a kaleidoscope of experiences, but being prepared for the unexpected is essential. Kenya's diverse landscapes and wildlife adventures can bring unforeseen challenges, from sudden medical issues to trip interruptions or lost belongings. This is where Kenya travel insurance from India becomes a travel essential.

Imagine exploring the Maasai Mara and needing medical attention – a situation where travel insurance proves invaluable. Our travel plans cater to medical emergencies, ensuring you receive care without financial strain.

Additionally, unforeseen events like trip cancellations or baggage mishaps are covered, offering a safety net for your adventure. With the right travel insurance, you can relish the beauty of Kenya with confidence, knowing that you are safeguarded against any unexpected hurdles that may come your way. Travel smart and travel securely with Tata AIG.

Why Do You Require Travel Health Insurance Kenya from India?

Travel insurance Kenya from India is essential for several reasons. Firstly, it provides financial protection in case of unexpected medical expenses during your trip. Healthcare costs can be high in foreign countries, and having insurance ensures you won't have to bear the burden of hefty medical bills.

Also, such a plan often covers emergency medical evacuation, which can be crucial when you need to be transported to a better-equipped medical facility. This service can save lives and prevent further complications in the event of a serious illness or injury.

Travelling insurance may also include coverage for trip cancellations, lost baggage, and other travel-related emergencies, offering a comprehensive safety net for unforeseen circumstances. It provides peace of mind, allowing you to focus on enjoying your trip without worrying about potential financial setbacks.

Travel insurance Kenya cost from Tata AIG is totally affordable. Hence, it is a wise investment that safeguards your well-being and financial interests while travelling, ensuring a secure and enjoyable experience abroad.

Benefits Offered by Tata AIG’s Best Travel Insurance Kenya

If you are heading to Kenya for the first time, you might wonder if travel insurance is necessary. While not a strict requirement, choosing Kenya travel insurance from Tata AIG is smart because it offers broad coverage to meet various needs.

Baggage Coverage: Tata AIG's baggage coverage is crucial if your checked-in luggage faces issues or delays at connecting airports on your way to Kenya. This feature ensures reimbursement for the total cost of items in your checked-in luggage, depending on your chosen coverage level.

Medical Coverage: The core of Tata AIG's Kenya travel insurance is strong financial support during unexpected medical emergencies. Whether it's an illness or an accident requiring hospitalisation, our coverage ensures you are protected.

Trip Coverage: Our Kenya travel insurance from India includes provisions for passport loss, travel delays, cancellations, and even hotel cancellations.

Flight Cancellation Insurance: The policy provides coverage against specified uncertainties leading to flight cancellations, as outlined in the policy wording.

Local Journey Assistance: Navigating unfamiliar terrain becomes less daunting with this assistance, offering a lifeline during unforeseen challenges.

Personal Liability Coverage: Safeguarding against unforeseen legal obligations, this coverage preserves your financial well-being.

Beyond these primary benefits, Tata AIG’s Kenya travel insurance comes with additional perks

Affordability: Starting from just ₹45.50 per day*, our international Kenya travel insurance online offers comprehensive coverage without breaking the bank.

Convenient Online Purchase: Buying travel insurance on Tata AIG’s website is a streamlined process that does not necessitate a complete medical examination.

Flexible Currency Options: Kenya travel insurance cost with Tata AIG is absolutely affordable. Also, you can pay your travel insurance premiums in Indian National Rupees, enhancing the convenience of securing coverage for your Kenyan journey.

Easy Navigation: Explore our travel insurance plans effortlessly with our online premium calculator. Find the plan that precisely caters to your needs.

As you get ready to explore Kenya's wonders, ensure you have the best travel insurance Kenya online with us. Tata AIG's comprehensive benefits provide financial security and peace of mind throughout your journey.

Kenya Visa and Entry Information

The Directorate of Immigration Services has introduced www.evisa.go.ke , a platform that enables visitors to apply for the Republic of Kenya E-visa online, eliminating the need to visit a Kenyan diplomatic mission or obtain a visa upon arrival.

An E-visa is a PDF document that authorises visitors to travel to a Kenyan entry point. To enter Kenya, present the E-visa to an immigration officer at any entry point. The officer will grant entry by issuing a visitor's pass and endorsing it on the passport.

The Category 2 Single Entry Visa is valid for travel within three months from the date of issue, while the Category 3 Single Entry Visa is valid for travel within one month.

The visa can be accessed by your airline or at the port through an electronic system managed by the Kenyan Government. Once the E-visa is issued, travellers can proceed to an entry point where their passport will be stamped, granting them entry.

Kenya Travel Insurance Requirements - Essential Documents for Travelling to Kenya from India:

When applying for a Kenyan visa from India, it's crucial to ensure you have all the necessary documents in order to meet the entry requirements. Here's a detailed list of the documents you need to gather for your Kenya visa application:

Scanned Colour Copy of the Passport

Provide a scanned copy of the first and last pages of your passport. Ensure that the copy includes all relevant details, such as personal information and passport expiry date.

Recent Colour Passport-Size Photograph

Submit a recent passport-size photograph with a white background. This photo should meet the specified size and clarity requirements for visa processing.

Confirmed Return Flight Ticket

Include a copy of your confirmed return flight ticket. This document serves as proof of your intention to leave Kenya within the authorised period and is a key requirement for the visa application.

Hotel Booking or Invitation Letter

Depending on the purpose of your visit, provide either a confirmed hotel booking or an invitation letter if you are visiting family or friends. The hotel booking should cover your entire stay, and the invitation letter should include relevant details about your host.

Travel Itinerary

Present a detailed travel itinerary outlining your plans while in Kenya. This should include information on places you intend to visit, activities you plan to engage in, and the duration of your stay.

Health Declaration Form

Complete the Health Declaration Form as part of the visa application process. This form is essential for ensuring compliance with health regulations and may include information about recent vaccinations or health conditions.

Ensuring you have all these documents in order enhances the efficiency and success of your Kenya visa application from India.

Note: It's advisable to carefully review the specific requirements outlined by the Kenyan embassy or consulate to guarantee a smooth application process.

Kenya Visa Application Process from India

Applying for a Kenya visa online as an Indian citizen is a simple and hassle-free process. Follow these steps:

Complete Online Application:

Visit the official Kenyan E-visa website, create an account, or sign in if you already have one.

Access the "visa dashboard" and click on "Get-Service" under the Directorate of Immigration Services tab.

Click the "E-visa Application" button to initiate the straightforward 8-section application form. Provide accurate information as per your passport.

Upload Documents:

Collect and scan the required documents before starting the application.

Upload documents during application, ensuring file sizes do not exceed 293 KB.

Pay Visa Fees:

After completing the online application, proceed to the payment page.

Choose from three payment options: Debit Card/Credit Card/Prepaid Card, KCB Cash, or Equity Cash. Debit/credit card is the recommended and easiest option.

Get Your Visa:

Await processing; Category 2 Visa processing takes 48 hours.

Initiate your application at least 15 days before your Kenya trip for optimal processing.

Receive email or SMS updates about your Kenya E-visa status.

Upon approval, download and print your Kenya eVisa.

When entering Kenya, present a copy of your E-visa and valid passport to immigration officers.

The Indian Consulate in Kenya

Currency and foreign exchange.

The official currency of Kenya is the Kenyan shilling (KES). The shilling is subdivided into 100 cents. The currency code for Kenyan shillings is KES. The currency symbol is KSh.

You can check the current currency exchange rate from INR to KES here.

[Note: Compare the exchange rates offered by different exchange bureaus before you exchange your money. Also, beware of the fees charged by the exchange bureau. Some exchange bureaus charge a commission, while others charge a spread between the buy and sell rates.]

Best Time to Visit Kenya

The best time to visit Kenya depends on your interests and preferences. However, the dry season from June to October is generally considered the best time to visit for wildlife viewing and safaris.

During this time, the weather is sunny and warm, with little rainfall. This makes it easier to spot animals as they congregate around water sources.

Additionally, the dry season coincides with the Great Migration, one of the world's most spectacular natural events.

Top Things to Do/Experience in Kenya

Kenya offers a wealth of experiences for travellers, from thrilling wildlife encounters to idyllic beach escapes and rich cultural immersion.

Here are some of the top things to do and experience in Kenya:

Wildlife Safaris: Immerse yourself in the heart of the African wilderness with a safari across diverse national parks. Witness the Big Five (lion, leopard, elephant, rhino, and buffalo) roaming freely in the Masai Mara, Amboseli, or Tsavo National Parks.

Witness the Great Migration: Experience nature's greatest spectacle with millions of wildebeest and zebras migrating across the Mara River, offering a drama of survival and endurance.

Soak Up the Sun on Stunning Beaches: Relax on the pristine white sands of Diani or Watamu beaches, enjoy watersports like snorkelling and diving in the crystal-clear waters, or just bask in the warmth of the beautiful Kenyan coast

Explore Historic Sites: Discover Kenya's rich history by visiting Fort Jesus in Mombasa, the Lamu Old Town, or the Gedi Ruins, offering glimpses into various eras and civilisations.

Discover Diverse Landscapes: From the vast savannas and dramatic Great Rift Valley to towering mountains and lush forests, Kenya boasts diverse landscapes waiting to be explored.

Go on a culinary adventure: Delight in Kenyan cuisine, savour fresh seafood and traditional dishes like Ugali and Nyama Choma or indulge in a Kenyan coffee experience.

Experience the Nightlife: Immerse yourself in the vibrant nightlife scenes of Nairobi or Mombasa, enjoy a cultural show, dance to local music, or indulge in the city's lively bar and restaurant scene.

Visit Unique Markets & Shops: Explore the bustling markets of Nairobi or Mombasa, where you can find handcrafted souvenirs, local artisan crafts, and traditional Kenyan textiles like Kanga.

Enjoy a Balloon Safari: Take to the skies for a breathtaking hot air balloon safari over the Masai Mara, witnessing the wildlife and landscapes from a whole new perspective.

Relax on a Scenic Train Ride: Take a scenic journey on the Madaraka Express train, offering picturesque views of the Kenyan countryside.

Go on a Cultural Festival Tour: Immerse yourself in the heart of Kenyan culture by attending local festivals like the Lamu Cultural Festival or the Mombasa Carnival.

Hike the Hell's Gate National Park: Discover spectacular canyons and wildlife on a unique hiking expedition in Hell's Gate National Park, offering stunning landscapes and geothermal sites.

Visit Lake Nakuru: Witness the stunning spectacle of thousands of flamingos congregating on the shores of Lake Nakuru, creating a picture-perfect scene.

See Stunning Waterfalls: Hike to the cascading waters of Fourteen Falls or Karuru Falls, enjoying the natural beauty of Kenya's waterfalls.

Kenya Trip: Safety and Precautions

While Kenya is a beautiful and welcoming country, it's important to take precautions to ensure a safe and enjoyable trip.

Here are some key safety tips for travellers to Kenya:

Be aware of your surroundings: Pay attention to your surroundings, especially in crowded areas or at night. Avoid carrying large amounts of cash or valuables.

Use licensed taxis and transportation: Stick to registered taxis and public transportation providers. Avoid flagging down unmarked taxis or using unlicensed operators.

Keep your belongings secure: Keep your passport, travel documents, and valuables secure at all times. Consider using a money belt or hidden pouch.

Be cautious at night: Limit walking alone at night, especially in unfamiliar areas. Take taxis or arrange for safe transportation after dark.

**Be respectful of local customs:**Dress modestly and avoid drawing unnecessary attention to yourself. Be respectful of local customs and traditions.

Avoid unsafe food and water: Drink only bottled or boiled water. Avoid raw or undercooked meat, seafood, and dairy products. Stick to reputable restaurants and food vendors.

Be cautious during safaris: Follow the instructions of your safari guide and stay in designated vehicles. Avoid sudden movements or loud noises.

Keep emergency numbers handy: Keep the contact information for the local police, fire department, and ambulance services readily available.

Kenya – Fast Facts

Disclaimer / tnc.

Your policy is subjected to terms and conditions & inclusions and exclusions mentioned in your policy wording. Please go through the documents carefully.

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Why do i need travel insurance for my trip to kenya.

Travel insurance for Kenya provides essential financial protection against unexpected medical expenses, trip cancellations, and other unforeseen emergencies, ensuring a secure and worry-free travel experience.

What does the travel insurance policy include regarding evacuation in case of a medical emergency in Kenya?

Tata AIG’s international travel plans for Kenya cover emergency medical evacuation, ensuring you receive timely and appropriate medical care and transportation to the nearest suitable medical facility.

Is travel insurance mandatory for obtaining a Kenyan visa?

While travel insurance is not a strict requirement for a Kenyan visa, having it is highly advisable. It offers financial protection and contributes to a smoother travel experience.

How does travel insurance handle lost or delayed baggage while travelling to Kenya?

Tata AIG’s travel insurance covers lost or delayed baggage, offering reimbursement for essential items. Ensure you report the incident to the airline and file a claim with us as early as possible.

Can I extend my travel insurance coverage if my stay in Kenya is prolonged?

Tata AIG does offer the option to extend coverage. Click here to learn more about travel insurance extension with us.

Disclaimer: All the information mentioned above is well-researched and sourced from reliable sources. Since this information is subject to change, it is advisable to check the latest travel guidelines and other location-specific information before planning a trip to any location. *Subject to change based on the nature and extent of the coverage.

Other Destinations

Insurance is the subject matter of the solicitation. For more details on benefits, exclusions, limitations, terms and conditions, please read sales brochure / policy wording carefully before concluding a sale. Trade logo displayed above belongs to TATA Sons Private Limited and AIG and used by TATA AIG General Insurance Company Limited under License. 2008, TATA AIG General Insurance Company Limited, all rights reserved. Registered Office : Peninsula Business Park, Tower A, 15th Floor, G.K.Marg, Lower Parel, Mumbai - 400 013, Maharashtra, India. CIN: U85110MH2000PLC128425. IRDA of India Regn. No. 108. Toll Free Number : 1800 266 7780 / 1800 22 9966 (only for senior citizen policy holders). Email Id – [email protected] . Category of Certificate of Registration: General Insurance.

2008, Tata AIG General Insurance Company Limited, all rights reserved. Registered Office : Peninsula Business Park, Tower A, 15th Floor, G.K.Marg, Lower Parel, Mumbai - 400 013, Maharashtra, India. CINNumber : U85110MH2000PLC128425. Registered with IRDA of India Regn. No. 108. Insurance is the subject matter of the solicitation. For more details on benefits, exclusions, limitations, terms and conditions, please read sales brochure / policy wording carefully before concluding a sale. Trade logo displayed above belongs to Tata Sons Private Limited and AIG and used by TATA AIG General Insurance Company Limited under License. Toll Free Number : 1800 266 7780 / 1800 22 9966 (only for senior citizen policy holders). Email Id – [email protected] .

Best Cheap Travel Insurance of May 2024

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In an ever-evolving world, emergency medical and evacuation travel insurance coverage is essential, especially if you're traveling internationally. However, sports equipment coverage, pet protection, and cancel for any reason coverage are among the increasingly popular coverage options that are changing the way we travel. We've gathered the best cheap travel insurance plans to help you protect your trip while on a budget.

Our top picks for the best cheap travel insurance

• Best overall: HTH Worldwide Travel Insurance

Best for trip cancellation: Aegis Travel Insurance

• Best value: Nationwide Travel Insurance
• Best for reputation: Trawick International Travel Insurance

How we rate the best cheap travel insurance »

Compare the Top Affordable Travel Insurance

The best travel insurance meets your needs at a price you're willing to pay. Sometimes, you're just not willing to pay that much. The following companies offer decent coverage for low prices. To determine which companies made this list, we compared quotes across the travel insurance industry for the same trip, making a note of which companies offered particularly good coverage in certain areas and which companies were well reviewed.

Here are the best affordable travel insurance companies picked by Business Insider editors in 2024.

Best overall: HTH Worldwide

The HTH Worldwide Travel Insurance Economy plan offers the most comprehensive coverage across major categories of all the providers in this guide.

You'll have some peace of mind with up to $75,000 of financial protection for eligible medical emergencies, and up to $500,000 per person for medical evacuation costs. For more everyday expenses, you can also relax with baggage loss and delay, trip interruption, cancellation and delay coverage that will help you recoup many, if not all, of your costs.

However, this plan falls short on missed connection benefits and accidental death coverage, both of which are not available under most circumstances (missed connection coverage only applies to cruises, and will only cover up to $500 per person after a three-hour delay).

Read our HTH Worldwide Travel Insurance review here.

The Aegis Travel Insurance Trip Cancellation Plan is exactly that: a cost-effective plan that offers protection in the event that your trip is canceled for a covered reason. The plan we priced out for our hypothetical trip cost just 1.16% of our total travel expenses — a very small amount of money to pay for the guarantee of our money back in the right circumstances.

The benefit is that this plan can supplement other coverage you already have, or give you a little bit of protection for a trip where you might not otherwise have opted for insurance altogether. On the downside, you won't get any protection for medical emergencies, trip interruption or delays or lost bags from this plan.

Read our Aegis Travel Insurance review here.

Best value: Nationwide

Nationwide Travel Insurance  is a well-rounded alternative to HTH Worldwide Trip Protector Economy. This plan offers solid protection for both travel-related snafus as well as situations that might call for emergency medical and evacuation, making it a good choice for trips where you have cause to worry about potential interruptions or delays. However, it does not offer protection for missed connections or accidental death.

Read our Nationwide Travel Insurance review here

Best for reputation: Trawick

The Trawick International Travel Insurance Safe Travels Explorer plan has been purchased by more than 36,000 travelers since 2020, and it has great reviews to boot. And no wonder: Trawick offers generous trip delay coverage of up to $2,000 per person, although hopefully you won't need to reach that reimbursement amount because the daily limit is $150.

You'll also be able to rely on a $200 reimbursement per person for lost baggage - one of the higher amounts amongst these affordable plans, although this amount pales in comparison to the baggage loss coverage offered through the best travel credit cards .

Read our Trawick Travel Insurance review here.

Types of Affordable Travel Insurance

Comprehensive coverage.

This type of insurance offers extensive protection, covering everything from medical issues to trip cancellations. While it's more expensive up front, it can save you a lot in the long run.

Medical-Only Coverage

As the name suggests, this policy focuses solely on medical emergencies, making it a cost-effective option for travelers who are primarily concerned about health-related expenses.

Evacuation and Repatriation

In extreme cases where you need to be evacuated due to a medical emergency or a natural disaster, this coverage ensures that you can return home safely without incurring huge costs.

Benefits of Opting for Cheap Travel Insurance

Cost savings.

Cheap travel insurance can significantly reduce your travel expenses, ensuring that you're not overpaying for coverage you might not need.

Adequate Coverage for Less

Just because it's cheap doesn't mean it's lacking. Many affordable policies offer substantial coverage, giving you peace of mind without breaking the bank.

How to Pick The Best Cheap Travel Insurance Plan for You

No single travel insurance plan will meet the needs of every single traveler. By nature, we are diverse and evolving meaning travel insurance should be equally so. Travel insurance for a week-long trip to a big city shouldn't be the same as the coverage for a backpacking expedition in the mountains. A splurge to purchase comprehensive insurance coverage may also be worth it for international ventures or other large expenditures.

In most cases, the cost difference between a basic and comprehensive travel insurance plan isn't as significant as you might think. Regardless, it's generally a good idea to choose a trusted travel insurance provider known for exceptional customer service and coverage. (For this roundup, we looked at traveler reviews shared through the travel agency SquareMouth.)

• Assessing Your Travel Needs: Consider the nature of your trip, the destination, and your own personal needs when choosing a policy. This ensures that you're not over-insured or underinsured.
• Comparing Different Policies: Don't settle for the first policy you find. Compare different options, looking at their coverage and prices, to find the best fit for your budget and needs.
• Reading the Fine Print: Always read the terms and conditions carefully to understand what's covered, what's not, and the process for making a claim.

How We Reviewed Cheap Travel Insurance

To determine the best insurance plan for travelers on a budget, we evaluated dozens of products using a hypothetical trip to Australia for a single traveler, age 26, with a total cost of $2,500 for flight, hotel and other incidentals. We then compiled the plans that covered the essentials at the lowest costs.

Of note: All of these plans include COVID-related medical coverage and 24-hour assistance, and pay at least 100% of your trip cost for eligible trip cancellations. None include rental car coverage.

The four winning plans cost between $29 to $74 — significantly below the average cost of comprehensive travel insurance , which can range between 4%-8% of total travel expenses, according to the US Travel Insurance Association.

But these affordable plans also come with comparably low ceilings for various aspects of coverage such as emergency medical, trip cancellation, or delay — and do not include rental car or " cancel for any reason" (CFAR) protection . So if you think you might need these benefits, it may well be worth upgrading to a comprehensive travel insurance plan for a few more dollars, just for the peace of mind.

Convenience and Flexibility

Each of the plans in this list include 24-hour assistance worldwide from reputable insurance providers. And despite being on the lower end of insurance plans, each of these options includes refunds for up to 100% of your total trip cost for eligible reasons. Each of these plans also includes medical coverage for COVID-related issues that may arise during your travels, which may come in handy as the pandemic continues to evolve worldwide.

Sufficient Coverage in Essential Categories

The cheapest travel insurance plan will rarely cover every scenario that could go awry on your trip. However, each of these plans can at least help you get your money back in the event that your travel is canceled for an eligible reason, and most of them include travel medical insurance if you incur emergency medical bills while traveling. We also factor in what travelers are most concerned about now. 

You can read more about how Business Insider rates insurance here.

Best Cheap Travel Insurance FAQs

How can i reduce the cost of travel insurance.

You can reduce the cost of travel insurance by opting for simpler coverage or choosing higher deductibles on travel medical insurance. You can also consider annual travel insurance , which will save you money in the long run if you take multiple trips over one year.

Can cheap travel insurance provide enough coverage for international trips?

Yes, many affordable policies offer comprehensive coverage suitable for international travel. It's crucial to compare policies and understand your needs. You can find our guide on the best international travel insurance here.

Why is travel insurance so cheap?

Travel insurance is relatively cheap because it only covers you for a set period of time, and depending on your plan, the level of coverage you get may not be particularly high. However, even with high coverage limits and extras like cancel for any reason coverage , travel insurance is relatively affordable. 

How much should travel insurance cost?

The average cost of travel insurance is 4%-8% of your trip's cost. This usually translates into a premium between $89 to $399. That said, many companies offer premiums far below average costs.

How do I find the right travel insurance plan for my budget?

When shopping for travel insurance, consider the type of trip you're planning. If you're planning leisurely excursions in a big city, you may not need as much emergency medical coverage as you would if you're planning a serious hiking expedition in the mountains. A good plan should include trip cancellation, some emergency medical protection, and 24-hour assistance at a minimum.

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