10 Best Travel Insurance Policies In Kenya

Travel insurance is an international cover which covers travellers for unexpected medical expenses when they are overseas. It provides coverage for unexpected risks and financial losses that can occur before a trip starts and while you are travelling, including medical emergencies, cancellations of flights, passport loss, personal liability, baggage loss and many risks. You can purchase travel insurance for short and long trips.

Like any other insurance plan, travel insurance mitigates the risk of financial loss that can be insured when unforeseen events occur. Perhaps the most compelling reason for buying this insurance is that it can insure your financial investment if your trip has to be cancelled. It also provides financial and logic support if your trip is interrupted, you experience a
medical Emergency, you need assistance in a foreign country, your bags are lost and more.

Many travel insurance agencies have policies which are easy to claim by the client once something has happened, express payments, offer compensation in case of baggage loss and even have worldwide travel assistance.

Here is a look at 10 of the best travel insurance policies in Kenya.

1.Jubilee Travel Insurance

Jubilee insurance is one of the best insurance companies in Kenya. It was established in 1937 and has since grown to be the biggest insurance company in Kenya and East Africa since it has offices in Tanzania, Uganda, Mauritius and even Burundi. Jubilee’s travel insurance has the following benefits.


  • Easy claims
  • Express payments
  • 24/7/365 worldwide cover
  • Baggage loss cover
  • Overseas Emergency medical cover
  • Flight delay and cancellation cover


+254 (0) 20 328 1000/+254 (0) 20 328 1520/ +254 (0) 20 328 1726



2.Britam Travel Insurance

Britam travel insurance is an insurance policy that provides 24 hours of emergency medical assistance, personal accident cover, compensation for travel delay and loss of traveller’s property and other travel related contingencies arising during the trip. In the event of a medical emergency, specialty assistance must be contacted immediately, in the event of an Insured dying, incurring medical expenses in excess of US$500, being involved in an accident, or being admitted to hospital. The Company will not be liable for any costs without the express prior approval of speciality assistance.

Specialty assistance will provide a complete medical assistance service to the Insured and it provides effective medical assistance for the Insured anywhere in the world and can be accessed by telephone or fax:

Specialty Assistance Worldwide

London, UK

Tel: (24 HR) +44 (0)20 7902 7405

Fax: (24 HR) +44 (0)20 7928 4748

Email: (24 HR) assistance@specialty-group.com


3. Resolutions Insurance

In partnership with Resolution Insurance, Linkham Services offers a straightforward, open book approach to travel insurance and ancillary products targeted at airlines and the travel trade. They not only cover the costs of unforeseen incidents, but it also provides practical assistance when you are abroad – 24 hours a day, 365 days a year.

Product Highlights

  • Worldwide cover 24 hours a day, 7 days a week anywhere in the world.
  • Emergency Medical and Related Expenses, including evacuation and repatriation.
  • Various limits of cover for all benefits across the range of products.
  • Benefit levels on all products meet the requirements for any visa’s that may be required for travelling.
  • Standard Trip duration of up to 180 days.
  • Family rates for you and your children to help keep the travel cost down.
  • Attractive Student cover.


  • Medical & Related Expenses, including evacuation and repatriation
  • Personal Accident
  • Cancellation and curtailment cover
  • Baggage and Personal Belongings cover
  • Personal Liability
  • Hijack, Hostage and wrongful detention


+254 709 990 000/ +254 730 199 000

+254 20 2894 000



4. Heritage Travel Insurance

Travel Insurance through The Heritage Insurance Traveller provides 24 hours of emergency and medical assistance anywhere in the world. You can enjoy easy and carefree international travel. The Heritage Traveller is also accepted by countries that require travel insurance before issuing a visa.


  • Flight delay and cancellation cover
  • Medical and emergency expenses
  • Hospital allowances where the insured is hospitalized as a direct result of an accident or illness covered under this policy.
  • Personal accident cover
  • Passport – The cost incurred in obtaining travel documents after the loss of your passport is also covered.
  • Baggage loss cover
  • Personal liability cover.

Specialty Assistance Contact:

Europe – London, UK
Tel: (24HR)+44 (0) 20 7902 7405
Fax:(24HR)+44 (0) 20 7928 4748
E-mail:(24HR) : assistance@specialty-group.com
Website : www.specialty-group.com
America-USA and Canada
Tel: +1215 489 3785
Fax:+1215 489 8525
Africa – Johannesburg, South Africa
Tel: +27 10 209 8300
Fax:+27 10 209 8405
Asia – Bangkok, Thailand
Tel: +662 645 3932
Fax:+662 645 3732


5. CIC Travel Insurance

CIC travel insurance is one of the best travel insurance which helps you save a lot of mind as many costs are covered and you can travel comfortably with peace of mind.


  • Personal accident cover
  • Loss of baggage cover
  • Flight cancellation or delay cover
  • Emergency medical related expenses cover
  • Reimbursement of travel and accommodation expenses incurred in the event of cancellation or curtailment of an insured trip
  • Reimbursement of reasonable expenses incurred following travel delays


+254) 703 099 120 (020) 282 3000


6. AAR Travel Insurance 

AAR travel insurance covers persons who travel abroad from time to time and wish to insure themselves against accidents and loss or damage to their properties in the course of travel.


  • Emergency medical expenses
  • Loss of personal property/ money or documents
  •  Curtailment/Cancellation
  •  Hijack,detention
  • Luggage protection
  • Personal liability


Specialty Assist Limited
Europoint, 5-11 Lavington Street, London.
SEI 0NZ Tel 020 7902 7400 Fax 020 7928 4748
Email: operations@specialty-assist.com

USA contact

T+1 215 489 3785, F+ l 215 489 8525

Africa Contact

T +27 10 209 8300, F +27 10 209 8405

Asia Pacific Contact

T +662 645 3932, F +662 645 3732


7.  HF Group Travel Insurance

HF group travel insurance is an award-winning travel insurance provider which offers you with many features and benefits including complimentary airport lounge access if your flight is delayed for two or more hours, A 24/7 medical emergency helpline and even a cover for individual, family or group.


  • Complimentary airport lounge access if your flight is delayed for two or more hours
  • Emergency medical and related expenses covered up to specified limits
  • Personal accidental death and permanent disability covered up to to a specified limit
  • Trip cancellation and Interruption coverage due to financial default of an airline, cruise line, or tour operator
  • Baggage, trade samples, personal effects, travel documents, money and credit cards covered
  • Medical expense (Primary)


0709 438 000 & 0709 438 888
Toll-Free number: 0800 721 400


8. AIG Travel Insurance

AIG travel insurance has partnered with  www.flydoc.org  to meet your travel needs and is tailored to meet all the 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.


  • Financial compensation in case of an accident
  • Peace of mind
  • Medical expenses
  • Loss of personal effects cover
  • Travel delays and cancellation cover
  • Hijackings or detention cover
  • Personal liability
  • Legal expenses cover


020- 3676 000 / 0723 600400 / 0735 338830

020 – 3676 001



9. ICEA Lion Group Travel Insurance

ICEA Lion Group travel insurance provides coverage for unexpected risks and financial losses that can occur before a trip starts and while you are travelling, including medical emergencies, cancellations and more as highlighted in the below schedule. It can be purchased for short and long trips


  • Emergency medical expenses
  • Personal Accident cover
  • Legal assistance abroad
  • Mugging benefit
  • Trip cancellation or curtailment cover
  • Loss of baggage (students loss of checked baggage)
  • Travel delay cover
  • Missed departure reimbursement of reasonable additional accommodation(room only) and travel expenses
    necessarily incurred in reaching your overseas destination or returning to Kenya if you fail to arrive at the international point of departure in time
  • Personal Liability
  • Hijack cover
  • Advance Bail bond– Not applicable to student cover
  • Loss of passport cover
  • Special events cover – covered events like wedding, funeral,25th or 30th wedding anniversary or sporting event.


10. APA Travel Insurance

APA travel insurance provides 24/7 cover on anything travel that’s medical expenses, travel delay or flight cancellation, hospital allowance, personal allowance and liability and many more.


  • Medical expenses and Travel
  • Travel delay and flight cancellation
  • Hospital allowance and assistance
  • personal accident
  • loss of passport
  • Personal liability
  • Loss of baggage
  • Loss of money cover
  • Hijacking and detention cover


020 2862000