Travel Cover Compared
The main travel insurance options for Kenyans: what each one covers, what it typically costs, and which is right for your trip.
In short: a single-trip policy (from KES 1,800) covers one journey and is cheapest for occasional travellers. Annual multi-trip covers unlimited trips for a year and pays off from about the third trip. Student travel runs for the whole academic year with term-time medical and study-interruption cover. For a European visa, Schengen cover (from KES 3,600) meets the mandatory €30,000 minimum and includes the visa letter. Travelling for umrah or hajj? See our pilgrimage cover.
| Cover | Single Trip One journey | Annual Multi-Trip Frequent flyers | Student Travel Study abroad | Schengen Visa Europe visa |
|---|---|---|---|---|
| Emergency medical & evacuation | Included | Included | Included | Included |
| Repatriation cover | Included | Included | Included | Included |
| Trip cancellation & curtailment | Included | Included | Included | Included |
| Baggage loss & delay | Included | Included | Included | Included |
| Number of trips covered | One trip | Unlimited / year | Full study period | One trip |
| Maximum duration | Single journey | 30 / 60 / 90 days per trip | Up to 12 months | Single journey |
| Routine term-time medical (not just emergency) | Not included | Not included | Included | Not included |
| Study interruption cover | Not included | Not included | Included | Not included |
| Schengen visa-compliant (€30,000 min) | On request | Included | Included | Included |
| Typical cost (illustrative) | From KES 1,800/trip | Priced by trip cap & age | Priced by destination & study level | From ~KES 3,600/trip |
| Best for | 1–2 trips a year | 3+ trips a year | Studying abroad | Europe trips needing a visa |
| View Single Trip → | View Annual Multi-Trip → | View Student Travel → | View Schengen Visa → |
Figures are illustrative; your premium depends on the destination, the length of the trip, the travellers' ages, and the cover level chosen.
Schengen visa requirement
A Schengen visa requires travel insurance with a minimum €30,000 medical and repatriation limit, valid across all 29 Schengen countries for the full stay. applications without it are rejected. Our Schengen travel insurance meets this minimum and we issue the Schengen confirmation letter within 24 hours of full documentation and payment.
You travel once or twice a year. It is the cheapest way to cover one journey, from about KES 1,800, and can be made Schengen-compliant on request.
Single Trip cover →You take three or more trips a year. One annual premium covers unlimited trips and issues Schengen letters on demand. Cheaper than buying cover each time.
Annual Multi-Trip cover →You or your child is studying abroad. It covers the full academic year with term-time medical, mental-health, and study-interruption benefits a normal policy lacks.
Student Travel cover →You are applying for a European (Schengen) visa and need IRA-approved cover meeting the €30,000 minimum, with the visa letter ready within 24 hours of full documentation and payment.
Schengen cover →Tell us where you're going and when, and we'll recommend the right cover and send you a quote. Schengen letters issued within 24 hours of full documentation and payment.
