Kenya travel tips

Travel opens doors to new adventures, but it also brings unexpected risks—from medical emergencies to lost luggage and trip cancellations. For Kenyan travelers, understanding the cost of travel insurance and how to get the right cover is essential for peace of mind. 

In this comprehensive guide, we’ll break down how much travel insurance costs in Kenya, what influences your premium, and how Step by Step Insurance makes it easy and affordable to get covered—whether you’re heading to Africa, Asia, Europe, or beyond.

Why Travel Insurance Matters for Kenyan Travelers

Travel insurance isn’t just a box to tick—it’s your financial safety net abroad. Medical emergencies can cost thousands of dollars, trip cancellations can ruin your plans and drain your wallet, and lost baggage can leave you stranded. In Kenya, travel insurance is increasingly recognized as a must-have for both leisure and business trips. With more embassies and airlines requiring proof of cover, it’s no longer optional for many destinations.

What Does Travel Insurance Cover?

A good travel insurance policy typically includes:

• Medical expenses and emergencies (hospitalization, evacuation)
• Trip cancellation or interruption
• Loss, theft, or delay of baggage
• Personal accident and liability
• Additional benefits: hijack, travel delay, personal liability, and more

Optional add-ons can cover adventure sports, political unrest, or high-value items.

How Much Does Travel Insurance Cost in Kenya?

The Basics: What You’ll Pay

For most Kenyan travelers, travel insurance costs between 4% and 8% of your total trip value. But the actual premium depends on several factors:

• Trip duration: Longer trips cost more to insure.
• Destination: Europe and the US usually mean higher premiums than Africa or Asia.
• Traveler age: Seniors pay more, while children often get discounts.
• Type of plan: Comprehensive plans cost more than basic ones.
• Medical history: Pre-existing conditions can increase your premium.

Example Premiums

• Short trips (up to 7 days within Africa or Asia): From Ksh 2,250
• Europe/Worldwide (7 days): From Ksh 4,950–6,600
• Longer trips (up to 31 days): Ksh 5,700–16,500 depending on region and cover level
• Student plans (6–12 months): Ksh 86,550–137,400

Compared to global averages, Kenyan travel insurance remains affordable, especially for regional travel.

What Influences Your Travel Insurance Premium?

1. Destination

Traveling to countries with high healthcare costs or greater perceived risk (like the US or Europe) increases your premium. Africa and Asia are generally cheaper to insure.

2. Trip Duration

A weekend getaway will cost less to insure than a month-long adventure. Most insurers offer tiered pricing: 4 days, 7 days, 10 days, 15 days, 31 days, and so on.

3. Traveler Age

• Children (3 months–13 years): Up to 50% discount
• Seniors (66–75 years): 50% surcharge
• Seniors (76–80 years): 100% surcharge

4. Level of Coverage

Basic plans cover essentials, while Plus and Extra plans add higher limits and more benefits (like higher medical or baggage cover).

5. Add-ons and Special Activities

Adventure sports, winter sports, or special group rates can affect your premium. For example, winter sports add a 100% surcharge; groups of 10+ can get 5%–25% discounts.

6. Pre-existing Medical Conditions

Some insurers offer cover for pre-existing conditions at a higher premium. Always disclose your medical history to avoid denied claims.

Step by Step Insurance: Affordable, Flexible Travel Cover

Planning a trip? Step by Step Insurance is a top choice for Kenyan travelers, offering comprehensive and budget-friendly travel insurance for every destination and traveler profile.

Why Choose Step by Step Insurance?

• Affordable rates: Plans start at just Ksh 2,250 for 7 days.
• Customizable plans: Choose coverage for Africa, Asia, Europe, or worldwide.
• Student-friendly options: Discounted long-term plans for students.
• Age-based discounts/surcharges: Save up to 50% for children, adjusted rates for seniors.
• Transparent pricing: All rates are in Kenyan Shillings (Ksh), so no surprises.

Sample Pricing Table (per person)

Student Plans

• 6 months: Ksh 86,550–106,200
• 9 months: Ksh 97,350–121,050
• 1 year: Ksh 109,500–137,400

All prices approximate; confirm with an agent due to forex fluctuations.

How to Get Covered: Step by Step’s 4-Step Process

Getting insured with Step by Step Insurance is fast and hassle-free:

1. Choose Your Destination:

Select Africa, Asia, Europe, or worldwide—rates vary by region.

2. Pick a Plan:

Opt for Basic, Plus, or Extra coverage. Students can choose Classic or Premium for long-term stays.

3. Apply Discounts/Surcharges:

• Children: 50% off
• Seniors (66–75): 50% surcharge
• Seniors (76–80): 100% surcharge
• Winter sports: 100% surcharge
• Groups (10+): 5%–25% discount

4. Add Extras (Optional):

Include coverage for winter sports, high-value items, or group travel.

Example Calculation

A 70-year-old traveler going to Asia for 7 days:

• Base premium: Ksh 2,250
• Senior surcharge (50%): +Ksh 1,125
• Total: Ksh 3,375

How to Apply for Step by Step Travel Insurance

Online Application:

Visit StepByStepInsurance.co.ke/get-a-quote/ and fill in your details:

• Name
• Email
• Phone number
• Type of insurance (select “Travel”)

Agent Consultation:

A Step by Step agent will contact you to tailor a plan based on your destination, duration, and budget.

Submit Required Documents:

• Travel dates
• Next of kin details
• Kenyan PIN and National ID
• Passport copy

Confirmation and Payment:

Secure your policy, pay online or via mobile money, and receive your documentation.

What Does Step by Step Travel Insurance Cover?

• Medical emergencies (hospitalization, evacuation)
• Trip cancellation/interruption
• Loss or delay of baggage
• Personal accident and liability
• Flight delay compensation
• Hijack, political violence, and more (depending on plan)

Key Exclusions:

High-risk activities like professional sports may be excluded unless specified.

Tips for Getting the Best Value

• Compare plans and prices: Don’t settle for the first offer—compare benefits and exclusions.
• Tailor your coverage: Buy only what you need. Skip unnecessary add-ons.
• Buy early: Lock in lower rates and get cancellation protection from the moment you book.
• Use group or student discounts: Traveling with family, friends, or as a student? Ask for special rates.

Final Thoughts: Travel Smart, Travel Protected

Travel insurance in Kenya is more accessible and affordable than ever, with options to suit every traveler and budget. Step by Step Insurance stands out for its transparent pricing, flexible plans, and dedicated support—making it easy for Kenyans to explore the world with confidence.

Don’t leave your journey to chance. Secure your cover today, and focus on making memories—not worrying about what-ifs.

Ready to get started? Visit StepByStepInsurance.co.ke, get a personalized quote, and travel with peace of mind.