Schengen Travel Insurance
IRA-approved travel insurance that meets the Schengen visa requirement — the mandatory €30,000 minimum medical and repatriation cover, valid across all 29 Schengen countries. From about KSh 2,500 for a 14-day trip, with the Schengen letter issued within 24 hours.
from
KSh 2,500/trip
Schengen travel insurance for a Kenyan visa applicant starts from about KSh 2,500 for a typical 14-day trip. The Schengen visa rules require travel insurance with a minimum €30,000 medical and repatriation limit, valid for your whole stay and across all 29 Schengen Area countries — embassies reject applications without it. Vike issues an IRA-approved, embassy-accepted policy and the Schengen insurance confirmation letter within 24 hours, so you can attach it to your visa file. Request yours on WhatsApp before your appointment.
- From ~KSh 2,500 for a typical 14-day Schengen trip
- Meets the mandatory €30,000 minimum medical + repatriation limit
- Valid across all 29 Schengen countries for the full stay
- Embassy-accepted policy + Schengen letter issued within 24 hours
- For Kenyan applicants to Italy, France, Germany, Spain, Greece & more
- Buy on WhatsApp before your visa appointment — IRA-regulated underwriters
Schengen travel insurance is the cover you must show to obtain a Schengen visa — the short-stay (Type C) visa that lets Kenyan passport holders visit any of the 29 European countries in the Schengen Area. Under the EU Visa Code, your policy must provide a minimum of €30,000 in medical and repatriation cover, remain valid for the entire duration of your stay, and apply across all Schengen states. Consulates routinely reject applications where the insurance is missing, under-limit, or incorrectly worded, so the policy is not a formality — it is a gating requirement for the visa itself.
Vike places Schengen-compliant single-trip cover with IRA-regulated underwriters whose wording European consulates already recognise. For a typical 14-day trip, premiums start from about KSh 2,500, rising with the length of the trip and the traveller's age. Once you pay, we issue the policy schedule and the separate Schengen insurance confirmation letter — the document the visa officer files — within 24 hours, so it is ready well before your appointment at the embassy or visa centre (VFS Global or TLScontact). The whole process runs over WhatsApp or email; you do not need to visit our office.
What It Covers
Emergency medical and hospital expenses abroad, to at least the €30,000 Schengen minimum
Emergency medical evacuation and repatriation back to Kenya
Repatriation of mortal remains in the event of death
Cover valid across all 29 Schengen Area countries for the whole trip
Emergency dental treatment for accidental injury
Trip cancellation and curtailment for insured reasons
Lost, stolen, or delayed baggage (with per-item sub-limits)
24/7 multilingual emergency assistance hotline
Who It's For
Kenyan passport holders applying for a Schengen short-stay (Type C) visa
Tourists and family visitors to Italy, France, Germany, Spain, Greece, the Netherlands, and other Schengen states
Business travellers attending meetings, conferences, or trade fairs in Europe
Applicants attending short courses, interviews, or events within the Schengen Area
Anyone whose consulate or VFS/TLScontact checklist requires proof of €30,000 travel insurance
Types We Cover
Each profile is rated and underwritten differently. Talk to us so we can match your specific situation.
Single-Trip Schengen Cover
Standard Schengen-compliant cover for one trip, from about KSh 2,500 for 14 days. Meets the €30,000 minimum and includes the visa confirmation letter.
Multi-Country Schengen Itinerary
One policy valid across every Schengen state on the same trip — no separate cover per country. Ideal for multi-city European holidays.
Family Schengen Cover
All travelling family members on one schedule and one Schengen letter, with children rated lower — common for family holidays and visits to relatives in Europe.
Annual Multi-Trip (Schengen-compliant)
For frequent European travellers, an annual policy issues a Schengen letter on demand for each trip — usually cheaper than three or more single-trip policies a year. See our Annual Multi-Trip page.
Senior Traveller Schengen Cover
Schengen-compliant cover for older travellers (typically up to age 75–85 entry), rated for age but still meeting the €30,000 minimum. Pre-existing conditions covered on declaration.
Real-World Scenarios
The consulate checks your insurance limit
An Italian consulate reviewing a 15-day tourist visa requires proof of at least €30,000 medical and repatriation cover for the full stay. Vike's Schengen letter states the limit and the travel dates explicitly, in the format visa officers expect, so the application is not rejected on the insurance requirement.
You fall ill in Spain mid-trip
A traveller is hospitalised in Madrid. The insurer's 24/7 assistance line authorises treatment and settles directly with the hospital up to the policy's medical limit — no upfront cash and no exposure to European hospital bills.
Your visa is refused
If the visa is refused and you have not yet started the trip, most Schengen single-trip policies can be cancelled before the travel start date for a refund, subject to the underwriter's terms (some require the official refusal letter). Tell us promptly and we arrange it — you are not locked into cover for a trip that cannot happen.
Optional Benefits & Add-ons
Increased medical limit (€30,000 → €100,000+) for extra peace of mind
USA/Canada extension if the trip combines Schengen with North America
Adventure and winter-sports cover (skiing in the Alps)
Pre-existing condition cover on declaration
Trip cancellation for additional insured reasons
Gadget cover for phones, laptops, and cameras
Availability varies by underwriter. Our advisors will confirm what is available on your chosen policy.
Frequently Asked Questions
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