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.
Key Takeaways
- APA Globetrotter offers comprehensive travel protection for travelers aged 6 months to 80 years
- Coverage includes medical emergencies, trip cancellations, baggage loss, and personal liability
- Multiple plans available based on destination, from Africa-only to Platinum Worldwide coverage
- 24/7 emergency assistance available globally during your travels
- Easy purchase and claims process through Step By Step Insurance
Table of Contents
- Understanding APA Globetrotter Travel Insurance
- Key Features and Benefits
- Types of Coverage Offered
- How APA Globetrotter Works
- Who Should Consider APA Globetrotter
- Why Choose APA Globetrotter
- Coverage Options and Add-ons
- How to Buy Through Step By Step Insurance
- Frequently Asked Questions
- Real-Life Examples and Case Studies
- Tips for Maximizing Coverage
- How Step By Step Insurance Enhances Your Experience
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:
- 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.
- Travel with Confidence: Coverage starts when you leave your residence and lasts until you return, for up to 180 days.
- 24/7 Support: In any emergency, contact the APA assistance hotline for immediate help with medical, evacuation, or travel issues.
- 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.
- 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
Case Study 1:
Jane, a Kenyan student in Europe, fell ill and required hospitalization. APA Globetrotter covered her medical bills and arranged for her safe return home, saving her family thousands of dollars.
Case Study 2:
Peter, a business traveler, had his luggage delayed for three days in Asia. APA Globetrotter reimbursed him for essential purchases, ensuring his meetings went smoothly.
“APA Globetrotter gave me peace of mind during my trip. When my flight was delayed and my baggage was lost, I got help and compensation quickly.” – Michael, Nairobi
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.
