Diskava. Beta. Kava
How much is Travel Insurance from Kenya? See 2026 indicative prices for Africa, Schengen, UK, USA, Dubai, students and annual multi-trip cover, plus what affects your premium.
Imana Insurance: www.imana.co.ke
MyKava: www.mykava.co.ke
Travel Insurance:
https://www.imana.co.ke/insurance/travel-insurance
There is no single price for Travel Insurance bought in Kenya.
A one-week trip to Tanzania may cost only a few thousand shillings.
A longer trip to Europe, the United States or Canada can cost considerably more.
Student cover for six or twelve months can cost far more than a normal holiday policy.
The better question is therefore:
How much should I budget for my destination, duration, age and required medical limit?
Imana Insurance Agency Kenya Ltd is a Westlands-based insurance intermediary helping individuals, families and businesses compare insurance quotations from licensed Kenyan insurers across Motor, Medical, WIBA, PSV, Travel, Motorcycle, Corporate and other insurance classes.
For a current quotation:
For 2026 budgeting, a Kenyan traveller can use the following indicative ranges:
Approximately:
KSh 1,500–3,000 per person
Approximately:
KSh 3,000–4,500
Approximately:
KSh 2,500–6,600
Approximately:
KSh 3,600–7,500
Approximately:
KSh 5,700–16,500
Published market examples can reach roughly:
KSh 86,000–137,000+
Depending on destination and maximum trip duration:
KSh 27,000–65,000+
These are indicative market ranges, not guaranteed quotations. The uploaded pricing draft uses these same broad bands and notes that final premiums vary by destination, duration, age, selected benefits and currency conversion.
Travel Insurance pricing is mainly driven by five things:
A traveller going to Rwanda for four days should not expect the same premium as someone travelling to New York for one month.
Likewise, a 28-year-old and a 72-year-old may not pay the same premium for the same destination.
Travel Insurance is usually designed for people travelling outside Kenya.
Depending on the policy, benefits may include:
The exact benefits and limits differ between insurers.
The supplied draft also makes an important distinction: outbound Travel Insurance is not the same as Kenyan Medical Insurance and is not the same as a COMESA Yellow Card for a vehicle.
Regional African trips are often among the cheapest to insure.
For a short trip of about one week, a useful budget is:
KSh 1,500–3,000 per person
This can apply to destinations such as:
depending on the insurer and plan.
For a 34-year-old traveller on a basic Africa plan, a practical indicative range is:
KSh 1,700–3,000
This is consistent with the worked example in the supplied material.
For a short trip to Dubai or another Middle East destination, a useful one-week budgeting range is roughly:
KSh 3,000–4,500 per person
depending on the insurer and medical limit.
For an 8-day trip, a couple may budget around:
KSh 3,000–5,000 per person
before checking whether the insurer offers a family or couple rate.
The supplied draft uses a similar Dubai example.
Schengen Travel Insurance is one of the most searched travel-insurance products in Kenya.
For a short trip, a practical 2026 budget is:
KSh 2,500–6,600 per person
for around one week.
Longer trips can cost more.
A 12-day Schengen trip may reasonably fall around:
KSh 3,300–10,000
depending on insurer, cancellation benefits and medical limit.
The supplied draft gives this same broad Schengen range and notes that visa-ready policies should be checked for the required medical and repatriation terms.
Schengen visa applicants should ensure the policy meets the current embassy or visa-centre requirements.
The supplied draft refers to a commonly used benchmark of at least:
EUR 30,000 in medical cover
with repatriation and validity for the full stay.
Because embassy requirements can change, always confirm the current requirement before purchasing.
For a short UK trip, premiums typically sit above basic Africa plans because medical and travel costs are higher.
A practical budget for a shorter trip can begin in the mid-thousands of shillings.
For a longer family trip, the cost can quickly move into:
tens of thousands of shillings
because several travellers and longer durations increase the premium.
A family of four should expect a much wider pricing range than a single traveller.
A practical budget can move from:
the mid-teens of thousands
into:
several tens of thousands
depending on ages, duration and cover level.
This is consistent with the supplied worked example.
USA and Canada travel generally require higher medical limits because treatment costs can be very high.
A one-week worldwide plan for a younger traveller may budget around:
KSh 3,600–7,500
on some Kenyan insurer structures.
Higher-limit worldwide plans or older travellers can pay substantially more.
The supplied draft uses this same one-week worldwide range.
The biggest reason is medical exposure.
A policy for the United States may need much stronger:
than a basic regional African policy.
Cheap cover with a very low medical limit may not be useful for a high-cost destination.
Student policies are different from normal holiday policies.
They are often designed for:
rather than a few days.
Published local examples in the supplied material range from approximately:
KSh 86,000–137,000+
for six to twelve months.
Actual student pricing depends on:
Frequent travellers may find annual multi-trip cover more convenient.
For broader international cover, published examples can sit around:
KSh 27,000–65,000+ annually
depending on destination zone and maximum duration per trip.
This can suit:
Annual multi-trip may be worthwhile when you make several journeys in one year.
For example:
A business traveller flying to:
multiple times in one year may find one annual policy more practical than purchasing separate policies every time.
Check the maximum number of days allowed for each individual trip.
This is one of the biggest pricing factors.
Broadly:
Africa → often cheapest
Asia / Middle East → usually mid-range
Europe / Schengen → higher medical requirements
USA / Canada / worldwide → often higher because of medical costs
The supplied draft makes the same distinction.
Travel policies are often priced in duration bands.
Examples include:
Crossing into the next band can increase the premium.
Older travellers often attract:
The exact age bands vary by insurer.
This is one of the most important comparisons.
A basic policy may have a lower medical limit.
A stronger plan may provide:
The premium rises as the benefit limit increases.
Travellers with conditions such as:
should declare them accurately.
Some insurers may:
Never assume pre-existing conditions are automatically covered.
Holiday, business, study and adventure travel can be treated differently.
Activities such as:
may be excluded or require an extension.
The supplied draft notes that high-risk activities should be disclosed because standard leisure policies may not cover them.
A policy with:
will generally cost more than a medical-only policy.
The cheapest travel policy may be suitable for a short regional trip.
But it may not be suitable for:
The correct comparison is not simply:
Which policy costs less?
It is:
Which policy provides appropriate protection for this destination and this traveller?
Compare:
The supplied draft strongly recommends comparing these features rather than premium alone.
No.
Kenyan Medical Insurance may mainly protect you locally.
Travel Insurance is specifically designed for risks that arise during an international trip.
Some Kenyan Medical Insurance policies may have limited international reimbursement benefits, but this should never be assumed.
No.
COMESA Yellow Card is Motor Third Party protection for a vehicle travelling within participating territories.
It does not replace Travel Insurance for the people travelling in the vehicle.
A family driving from Kenya to Uganda may therefore need:
COMESA Yellow Card for the vehicle
and:
Travel Insurance for the travellers
The supplied draft makes this distinction explicitly.
Have the following ready:
This allows the insurer to quote the correct destination and age band.
Yes.
Start at:
You can also explore selected travel and insurance services through:
Often, yes, depending on insurer.
However, it is better to arrange cover earlier because:
Do not wait until you are already abroad.
Some insurers may not issue new single-trip cover after the traveller has already left Kenya.
The safest approach is:
Buy before departure.
Some policies may include specified COVID-19 or pandemic-related medical benefits.
Others may restrict or exclude them.
Always check the current wording rather than relying on an old brochure.
The supplied draft makes the same caution.
Senior travellers should pay particular attention to:
Older age often increases the premium.
Family plans may sometimes be more convenient than purchasing separate policies.
Before buying, confirm:
Companies with frequent travellers can consider:
This may be useful for:
Different insurers may provide very different:
Using an intermediary helps travellers compare suitable options before purchase.
Imana Insurance Agency Kenya Ltd compares travel quotations from licensed Kenyan insurers for holidays, business trips, family visits, study and corporate travel.
The supplied draft also positions MyKava alongside Imana for travel-related customer journeys.
For a short trip:
Africa: around KSh 1,500–3,000
Europe / Worldwide: around KSh 2,500–7,500
per person, depending on destination and plan.
A useful one-week budget is approximately:
KSh 2,500–6,600
depending on medical limit and insurer.
A younger traveller may budget around:
KSh 3,600–7,500
for a short worldwide policy, with higher limits costing more.
A practical short-trip range can be around:
KSh 3,000–5,000
per person depending on insurer.
Published examples can range from:
KSh 86,000–137,000+
for six to twelve months.
Published local examples can range from:
KSh 27,000–65,000+
depending on destination and per-trip duration.
Not for every destination.
Some visas or destinations require it.
Always confirm the current requirement before travelling.
Yes.
Visit:
Yes.
Imana can help compare suitable quotations from licensed Kenyan insurers.
For practical 2026 budgeting:
One week in Africa: approximately KSh 1,500–3,000
One week in Asia / Middle East: approximately KSh 3,000–4,500
One week in Europe / Schengen: approximately KSh 2,500–6,600
One week worldwide: approximately KSh 3,600–7,500
Up to one month Europe / worldwide: approximately KSh 5,700–16,500
Student cover: approximately KSh 86,000–137,000+
Annual multi-trip: approximately KSh 27,000–65,000+
These are budgeting ranges, not guaranteed quotations.
The most important rule is:
Do not buy Travel Insurance by price alone. Buy it for the destination, duration and medical limit you actually need.
The correct buying sequence is:
Destination → Duration → Age → Medical limit → Evacuation → Exclusions → Price
Travel Insurance:
https://www.imana.co.ke/insurance/travel-insurance
Imana Insurance Agency Kenya Ltd:
www.imana.co.ke
MyKava:
www.mykava.co.ke
Author:
Raymond Momanyi – Founder & CEO, Imana Insurance Agency Kenya Ltd
The premiums in this article are indicative 2025/26 market ranges compiled from published insurer and intermediary schedules in the supplied drafts. They are not binding quotations or guarantees of cover. Final premiums, age limits, medical benefits, destination zones, exclusions and visa requirements vary by insurer and can change. Always review the final quotation and policy wording before travel.