Travel Insurance for Kenya
Kenya is a country at once wild and fizzing with human culture. One day, you can be touring the savannah plains of the legendary Maasai Mara reserve looking for sightings of elephants and zebras. The next, you could be lost in the vibrant flea markets of downtown Nairobi.
Whether you're planning the safari of a lifetime, a hiking jaunt to the top of Mount Kenya, or a visit to the buzzy metropolises of East Africa, it's always a good idea to consider travel insurance for Kenya before you book. That's where this guide comes in, offering all the info you need on travel insurance and what it can offer…
What Should Your Travel Insurance Cover for a Trip to Kenya?
At a minimum, your travel insurance should cover trip cancellation, trip interruption and emergency medical expenses. When it comes to international travel, the US Department of State outlines key components that should be included in your travel insurance coverage.
AXA Travel Protection plans are designed with these minimum recommended coverages in mind.
- Medical Coverage – The top priority is making sure your health is in order. With AXA Travel Protection, you can have access to quality healthcare during your trip overseas in the event of unexpected medical emergencies.
- Trip Cancellation & Interruptions – Assistance against unexpected trip disruptions can dampen the mood, AXA Travel Protection offers coverage against unforeseen events.
- Emergency Evacuations and Repatriation – In situations where transportation is dire, AXA Travel Protection offers provisions for emergency evacuation and repatriation.
- Coverage for Personal Belongings – AXA offers coverage for your belongings with assistance against lost or delayed baggage.
- Optional Cancel for Any Reason – For added flexibility, AXA offers optional Cancel for Any Reason coverage, allowing you to cancel your trip for non-traditional reasons. Exclusive to Platinum Plan holders.
In just a few seconds, you can get a free quote and purchase the best travel insurance for Kenya.
How Does Travel Insurance Work in the Kenya?
Let's consider a scenario: You're out in the bush of the East Tsavo National Park, keeping watch for elephant herds and prowling lions. But, suddenly, you don't feel all that well.
You've got the shivers, muscle aches, and tiredness. Folks with travel insurance will often get support to help connect them with the right medical professionals, to check whether their symptoms need more careful attention or just good old rest and recuperation. Kenya, after all, remains high-risk for malaria and dengue fever, so it's good to make sure!
Here’s how travelers can benefit from an AXA Travel Protection Plan:
- Emergency Medical Expenses: Should you fall ill or have an accident during your trip, your policy may offer coverage for medical expenses, including hospital stays and doctor's fees.
- Emergency Evacuation & Repatriation: In case of a serious medical emergency, your policy may include provisions for evacuation to the nearest appropriate medical facility or repatriation.
- Non-Emergency Evacuation & Repatriation: In non-medical crises (e.g., political unrest), your policy may cover evacuation or repatriation, subject to policy terms.
- Trip Cancellation: You may be eligible for reimbursement if you cancel your trip due to a sudden illness or injury.
- COVID-19 Travel Insurance: Coverage is available for trip cancellation and medical expenses related to COVID-19, subject to policy terms and conditions.
- Trip Delay: If your flight faces delays due to unforeseen circumstances, you may have coverage for additional expenses such as meals and accommodations.
Post-Departure Travel Benefits
- Trip Interruption: In case of an unexpected event, you could be eligible for reimbursement for the unused portion of your trip.
- Missed Connection: If you miss a connecting flight due to delays or cancellations, this coverage may help with expenses like rebooking fees and accommodations.
- Luggage Delay: If the airline delays your checked baggage, your policy might offer reimbursement for essential items like clothing and toiletries.
- Lost or Stolen Luggage: In the unfortunate event of permanent loss or theft of your luggage, your policy may offer reimbursement for its value, assisting you in replacing your belongings.
Additional Optional Travel Benefits
- Rental Car (Collision Damage Waiver): Exclusive to Gold & Platinum plan policy holders, this optional benefit gives travelers extra coverage on their rental car against damage and theft.
- Cancel for Any Reason: Exclusive to Platinum plan policy holders; this optional benefit gives travelers more flexibility to cancel their trip for any reason outside of their standard policy.
- Loss Skier Days: Exclusive to Platinum plan policy holders, this optional benefit offers reimbursement to mitigate some costs associated with pre-paid ski tickets that you or your traveling companion cannot use due to specified slope closures.
- Loss Golf Days: Exclusive to Platinum plan policy holders, this optional benefit offers reimbursement to mitigate the expenses linked to prepaid golf arrangements that you or your travel companion are unable to utilize due to specified golf closures.
Do I Need Travel Insurance for Kenya?
The Kenyan government has no official decree that says travelers to the country have to purchase travel insurance. But, given the nature of the activities that most people come here for – safaris out in the wild, hiking adventures on high-altitude peaks, food tours of the Nairobi street markets – it's often a good idea to ensure you have cover before jetting off.
Why? There are several reasons:
Medical Emergencies: An insurance product like AXA Travel Protection offers the means to receive prompt medical care whenever it's needed, no matter whether you sprain an ankle or get a tummy bug.
Lost Baggage: Airlines sometimes mishandle baggage, and the last thing you want is to be without your essentials in an unfamiliar place. Travel insurance offers to cover the cost of replacing necessary items, allowing you to continue on.
Flight Delays: We know that whole safaris can be ruined by late flights into Nairobi, which is why travel insurance often offers support in the event of delays caused by airlines, covering expenses incurred because of missed arrivals.
How Much Does Travel Insurance Cost for Kenya?
In general, travel insurance costs about 3 – 10% of your total prepaid and non-refundable trip expenses. The cost of travel insurance depends on two factors for AXA Travel Protection plans:
- Total Trip cost: The total non-prepaid and non-refundable costs you have already paid for your upcoming trip. This includes prepaid excursions, plane tickets, cruise costs, etc.
- Age: Like any other insurance type, the correlation is rooted in increased health risks associated with older individuals. It's important to note that this doesn't make travel insurance unattainable for older individuals.
With AXA Travel Protection, travelers to Kenya will be offered three tiers of insurance: Silver, Gold and Platinum. Each provides varying levels of coverage to cater to individual's preferences and travel needs.
Our Suggested AXA Travel Protection Plan
AXA presents travelers with three travel plans – the Silver Plan, Gold Plan, and Platinum Plan, each offering different levels of coverage to suit individual needs. Given that Kenya hospitals often do not accept U.S. health insurance or Medicare, we genuinely recommend travelers to consider purchasing any of these plans, particularly for the crucial coverage they offer for emergency accident and sickness medical expenses.
There's even greater flexibility involved with our Platinum Plan. That gives "Cancel for Any Reason" cover, which means you'll get protection against itinerary and travel plan changes without having to offer any justification. The package also includes additional coverage on rental cars, which could be a welcoming extra for anyone planning on hitting the bumpy, busy, backcountry roads of the East African Rift Valley!
What types of medical coverage does AXA Travel Protection plans offer?
Axa covers three types of medical expenses:
- Emergency medical expenses
- Emergency evacuation & repatriation
- Non-medical emergency evacuation & repatriation
Emergency Medical: unexpected incidents that arise, such as broken bones, burns, unexpected illnesses and allergic reactions
Emergency Evacuation and Repatriation: Can cover your immediate transportation home in the event of an accidental injury or illness.
Non-Medical Emergency Evacuation and Repatriation: not all emergencies are medical related. You could be traveling during a period of civil unrest or throughout a natural disaster, and require repatriation to your home country because of it
Are There Any COVID-19 Restrictions for Travelers to Kenya?
The remaining COVID-19 restrictions for Kenya were dropped in May 2023, though the authorities here still ask anyone with symptoms to declare them at the border and be tested prior to entry. To stay up-to-date with Kenya’s restriction visit, Department of State for Travel to Kenya.
Traveling with pre-existing Medical Conditions?
Traveling with preexisting medical conditions can complicate your plans, but with AXA Travel Protection, we're here to support you during your trip.
Traveling with pre-existing medical conditions can complicate your plans, but with AXA Travel Protection, we're here to support you during your trip.
Our Gold and Platinum plans offer coverage for pre-existing medical conditions. The Platinum plan, in particular, is our highest-offered choice for travelers who want our highest coverage limits and optional add-ons,
What does this mean for you? If you've got a medical condition that's been hanging around, you can qualify for coverage under our Gold and Platinum plans with a pre-existing medical condition, so long as it’s within 14 days of placing your initial trip deposit and in our 60-day look-back period. We're here to ensure you travel easily, no matter your health situation.
1.Can you buy travel insurance after booking a flight?
You can buy travel insurance even after your flight is booked.
2.When should I buy Travel Insurance to Kenya?
It's advisable to purchase travel insurance for your trip as soon as you have made your initial trip deposit (prepaid and non-refundable trip costs.)
AXA Travel Protection offers coverage as soon as you purchase your protection plan. We can give coverage against unforeseen events before you leave for your trip.
Additionally, our policies offer coverage for preexisting medical conditions and Cancel for Any Reason if you purchase your protection within 14-days of making your initial trip deposit.
3.Do Americans need travel insurance in Kenya?
There's no legal requirement for American travelers to obtain travel insurance for Kenya.
4.What is needed to visit Kenya from the USA?
If you're visiting Kenya from the US, be sure to have a valid American passport and to complete the eVisa application before you jet off. An eVisa is typically valid for up to three months from the date of issue.
5.What happens if a tourist gets sick in Kenya?
If you become sick in Kenya, travelers with AXA Travel protection can contact the AXA Assistance hotline 855-327-1442. Contact information is typically provided within the insurance documentation. Please ensure to read through your policy details and information.
Disclaimer: It is important to note that Destination articles are for editorial purposes only and are not intended to replace the advice of a qualified professional. Specifics of travel coverage for your destination will depend on the plan selected, the date of purchase, and the state of residency. Customers are advised to carefully review the terms and conditions of their policy. Contact AXA Travel Insurance if you have any questions. AXA Assistance USA, Inc.© 2023 All Rights Reserved.
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