APA Globetrotter Travel Insurance Guide: Cheapest travel insurance in Kenya Nairobi

Traveling the world, whether for business or leisure, is more accessible than ever. Yet, every journey comes with its share of uncertainties-from sudden illness and lost luggage to unexpected trip cancellations. APA Globetrotter Travel Insurance is designed to give you peace of mind, offering robust protection against a wide range of travel risks. As one of the most trusted insurance brands in Kenya, APA Insurance brings decades of experience and innovation to ensure your adventures are worry-free. This guide will walk you through everything you need to know about APA Globetrotter Travel Insurance, from its features and benefits to coverage options, pricing, and how to easily get covered through Step By Step Insurance.

Understanding APA Globetrotter Travel Insurance

APA Globetrotter Travel Insurance is a specialized insurance product crafted for travelers who want comprehensive protection both within Kenya and internationally. Whether you’re a tourist visiting Kenya, a Kenyan exploring the world, or a business traveler on assignment, this policy ensures you’re covered against medical emergencies, travel disruptions, personal accidents, and more.

Who can be covered?

• Anyone aged six months to 80 years.
• Kenyan residents traveling abroad.
• Tourists visiting Kenya.
• Business travelers and expatriates.

Coverage duration:

You are protected from the moment you leave your home or business until your return, for trips lasting up to 180 days.

Key Features and Benefits of APA Globetrotter Travel Insurance

APA Globetrotter Travel Insurance stands out for its depth and breadth of protection, offering:

• 24-Hour Emergency Assistance: Access to global support for medical emergencies, evacuation, and rescue operations, any time of day.
• Comprehensive Medical Coverage: Protection against medical expenses, emergency dental care, and even repatriation.
• Personal Accident Cover: Compensation for injuries, disability, or death resulting from accidents.
• Personal Liability: Coverage if you are legally liable for accidental damage or loss to third-party property.
• Travel Delay and Missed Departure: Compensation for flight delays, missed departures, and related accommodation expenses.
• Hijack and Kidnap Cover: Financial support in the event of hijack, including daily compensation for prolonged incidents.
• Loss of Baggage and Documents: Reimbursement for lost or delayed baggage, as well as essential travel documents like passports.
• Trip Cancellation and Curtailment: Protection against financial loss if you must cancel or cut short your trip due to covered reasons.

These features ensure that no matter where your travels take you, APA Globetrotter has you covered.

Types of Coverage Offered by APA Globetrotter Travel Insurance

Medical Coverage

APA Globetrotter offers extensive medical coverage for emergencies that may arise while traveling. This includes:

• Emergency medical expenses (hospitalization, surgery, medication).
• Medical evacuation in case of serious illness or injury.
• Emergency dental care for acute dental issues.
• Daily hospital benefits for extended stays.
• Repatriation of mortal remains or burial expenses if needed.
• Follow-up treatment upon return to Kenya.

Coverage limits vary by region and plan, with medical expenses ranging from $15,000 for Africa/Asia to $250,000 for Platinum worldwide cover.

Trip Cancellation and Interruption Coverage

If your trip is canceled or interrupted due to unforeseen events (like illness or family emergencies), APA Globetrotter reimburses non-refundable expenses, helping you avoid financial loss.

Baggage and Personal Belongings Coverage

Lost, delayed, or damaged baggage can be a major inconvenience. APA Globetrotter covers:

• Loss or damage to checked baggage.
• Delay in delivery of baggage by IATA-affiliated airlines.
• Loss of essential documents such as passports.

Personal Liability Coverage

If you accidentally cause damage to someone else’s property or are held legally liable for an incident abroad, APA Globetrotter covers personal liability claims up to $300,000 (Platinum plan).

How APA Globetrotter Travel Insurance Works

Getting covered is simple and efficient:

1. Purchase a Policy: Choose your plan based on destination, duration, and coverage needs. You can get a quote and buy online via Step By Step Insurance.
2. Travel with Confidence: Coverage starts when you leave your residence and lasts until you return, for up to 180 days.
3. 24/7 Support: In any emergency, contact the APA assistance hotline for immediate help with medical, evacuation, or travel issues.
4. Claims Process: If you experience a covered event, submit your claim with supporting documents (receipts, police reports, etc.). APA is known for its fast and transparent claims turnaround.
5. Policy Terms: Review your policy schedule for specific limits, exclusions, and excess amounts. For example, medical excess is typically $100 per claim, while baggage excess is $100.

Policy Exclusions:

Common exclusions include pre-existing medical conditions (unless specifically covered), participation in hazardous sports (unless add-ons are purchased), and losses due to illegal activities.

Who Should Consider APA Globetrotter Travel Insurance?

APA Globetrotter is ideal for:

• Leisure travelers: Families and individuals on holiday.
• Business travelers: Professionals attending conferences or meetings abroad.
• Students: Those studying internationally.
• Tourists: Visitors to Kenya needing reliable local coverage.
• Adventure travelers: Those participating in sports or outdoor activities (with optional add-ons).

Why Choose APA Globetrotter Over Other Travel Insurance Options?

APA Globetrotter stands out for several reasons:

Feature	APA Globetrotter	Other Travel Insurers
Global Medical Cover	Up to $250,000	Often lower limits
24/7 Worldwide Assistance	Yes	Varies
Personal Accident & Liability	Up to $40,000/$300,000	Often lower or not included
Baggage & Document Cover	Up to $3,500	Lower or with more exclusions
Fast Claims Turnaround	Yes	Often slower
Flexible Plans (Africa, Asia, etc)	Yes	Not always
Local & International Coverage	Yes	Varies

APA’s reputation for customer service, innovation, and financial strength makes it a top choice for Kenyan travelers.

APA Globetrotter: Coverage Options and Add-ons

APA Globetrotter offers multiple plan levels to suit every traveler’s needs and budget:

Plan Type	Medical Cover	Baggage Cover	Personal Accident	Liability	Premium (7 days)
Africa	$15,000	$250	$5,000	$25,000	$14
Asia	$15,000	$500	$5,000	$25,000	$29
Europe	$75,000	$1,000	$15,000	$75,000	$26
Worldwide Basic	$100,000	$1,000	$25,000	$100,000	$28
Worldwide Superior	$150,000	$1,500	$30,500	$150,000	$32
Silver	$200,000	$2,500	$35,000	$250,000	$34
Platinum	$250,000	$3,500	$40,000	$300,000	$50

Add-ons:

Optional coverage can be added for winter sports, adventure activities, and higher limits for valuables.

Customizing your policy:

Choose duration (from 1 day to 365 days), region, and add-ons to tailor your protection.

How to Buy APA Globetrotter Through Step By Step Insurance

Getting covered with APA Globetrotter is simple:

From there, you’ll need to fill out a simple form with:

• Name*
• Email*
• Phone Number*

STAY PUT!

Our Agents will contact you within a few minutes.

Why buy through Step By Step Insurance?

• Personalized advice and support.
• Assistance with claims and policy management.
• Access to exclusive deals and add-ons.

Frequently Asked Questions About APA Globetrotter Travel Insurance

What is the claims process?

Submit your claim online or via email with supporting documents. APA aims for a fast turnaround, often within days.

What documents do I need to make a claim?

• Completed claim form
• Proof of travel (tickets, boarding passes)
• Medical or police reports (if applicable)
• Receipts for expenses

What are the policy exclusions?

Common exclusions include:

• Pre-existing medical conditions (unless covered)
• Participation in risky sports (unless add-ons are selected)
• Losses from illegal acts

Can I extend my policy while traveling?

Yes, contact Step By Step Insurance or APA directly for policy extensions.

How do I contact APA for emergency assistance?

The policy provides a 24/7 emergency hotline, detailed in your policy documents.

Real-Life Examples and Case Studies

Tips for Maximizing Your APA Globetrotter Coverage

• Document belongings: Take photos of your luggage and valuables before traveling.
• Keep receipts: Save all receipts for expenses you may need to claim.
• Know your policy: Read your policy schedule and understand limits/exclusions.
• Report incidents promptly: Notify APA or your intermediary as soon as possible.
• Use digital tools: Manage your policy and claims online for faster service.

How Step By Step Insurance Enhances Your APA Globetrotter Experience

When you buy APA Globetrotter through Step By Step Insurance, you benefit from:

• Expert Guidance: Licensed advisors help you select the right plan and explain all details.
• Claims Support: Step By Step Insurance assists you with documentation and follows up with APA for quick settlements.
• Ongoing Policy Management: Update your coverage, extend your policy, or make changes with ease.
• Exclusive Offers: Access special deals and add-ons not available elsewhere.