Umrah & Hajj Travel Insurance
Travel insurance built for Kenyan pilgrims performing umrah and hajj — emergency medical care in Makkah and Madinah, evacuation, repatriation, and pilgrimage interruption cover. From about KSh 3,500 for a short umrah trip.
from
KSh 3,500/trip
Umrah and hajj travel insurance for Kenyan pilgrims starts from about KSh 3,500 for a short umrah trip. It covers emergency medical treatment and hospitalisation in Saudi Arabia — including in Makkah and Madinah — plus emergency evacuation, repatriation, baggage, and pilgrimage interruption if you have to return home early. It is arranged before you travel and complements the basic health cover bundled with the Saudi visa through the Nusuk platform. Request a quote on WhatsApp and we issue your policy within 24 hours.
- From ~KSh 3,500 for a short umrah trip; hajj rated for the longer stay
- Emergency medical and hospital cover in Makkah, Madinah & across Saudi Arabia
- Emergency evacuation, repatriation, and repatriation of remains
- Pilgrimage interruption and baggage cover
- Complements the basic Nusuk visa health cover — issued before you travel
- Policy issued within 24 hours — arrange on WhatsApp
Umrah and hajj travel insurance is cover designed for the specific risks of religious pilgrimage to Saudi Arabia. Tens of thousands of Kenyan Muslims travel for umrah through the year and for hajj during the Dhul-Hijjah season, often in large groups and including elderly parents and relatives. The trip combines long flights, intense physical exertion in crowds and heat, and a stay in the Holy Cities of Makkah and Madinah — so dependable emergency medical, evacuation, and repatriation cover matters more here than on an ordinary holiday.
Saudi Arabia now bundles a basic health insurance policy with the umrah and hajj visa issued through the Nusuk platform, but that cover is limited. Vike arranges Kenyan-side travel insurance that complements it — higher medical limits, emergency evacuation, repatriation of remains, baggage, and cover for cutting the pilgrimage short for an insured reason. We place cover for individuals, families, and whole pilgrimage groups through IRA-regulated underwriters, confirm the wording against your group operator's requirements, and issue the policy within 24 hours. The whole process runs over WhatsApp.
What It Covers
Emergency medical and hospital treatment in Saudi Arabia, including Makkah and Madinah
Emergency medical evacuation and repatriation back to Kenya
Repatriation of mortal remains in the event of death
Pilgrimage interruption — return-home costs if you must end the trip early for an insured reason
Emergency dental treatment for accidental injury
Lost, stolen, or delayed baggage and travel documents
Personal accident benefits during the pilgrimage
24/7 emergency assistance hotline
Who It's For
Kenyan Muslims travelling for umrah at any time of year
Pilgrims travelling for hajj during the Dhul-Hijjah season
Elderly parents and relatives travelling for pilgrimage (age-rated cover)
Pilgrimage groups and tour operators arranging cover for their travellers
Families wanting medical and repatriation cover beyond the basic Nusuk visa policy
Types We Cover
Each profile is rated and underwritten differently. Talk to us so we can match your specific situation.
Umrah Cover (short trip)
Cover for a typical 10–14 day umrah trip, from about KSh 3,500. Emergency medical, evacuation, and repatriation centred on the Holy Cities.
Hajj Cover (extended stay)
Rated for the longer hajj-season stay (often 3–5 weeks) and the larger crowds, with higher medical and assistance limits for the peak pilgrimage period.
Senior Pilgrim Cover
Age-rated cover for elderly parents and relatives (commonly up to age 80+ entry), with pre-existing conditions covered on declaration — important for older first-time pilgrims.
Group Pilgrimage Cover
One schedule for an entire umrah or hajj group booked through a tour operator, simplifying administration and ensuring every traveller is covered to the same standard.
Family Pilgrimage Cover
Parents and children on one policy and schedule, with children rated lower — common for families performing umrah together during school holidays.
Real-World Scenarios
Elderly pilgrim hospitalised in Makkah
An older traveller is admitted with heat exhaustion and a cardiac concern during umrah. The insurer's assistance line authorises treatment and settles with the hospital, then arranges medical repatriation to Kenya once the patient is stable — costs that would otherwise fall on the family.
Pilgrimage cut short by a bereavement at home
A pilgrim has to return to Kenya early after a death in the family. Pilgrimage-interruption cover pays the additional return-flight cost, subject to the policy terms, so an already difficult time is not compounded by a large unplanned airfare.
Baggage and documents delayed in transit
Checked baggage including ihram clothing and documents is delayed on a connecting flight. The baggage-delay benefit funds essential replacements, and the assistance network helps with emergency travel-document support.
Optional Benefits & Add-ons
Increased medical and evacuation limits
Pre-existing condition cover for declared conditions (key for elderly pilgrims)
Extended duration for combined umrah-and-tour itineraries
Group cover administration for tour operators
Cancellation cover before departure for insured reasons
Availability varies by underwriter. Our advisors will confirm what is available on your chosen policy.
Frequently Asked Questions
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