Whether you’re flying to Dubai for business, visiting family in the UK, or heading to Tanzania for a quick safari getaway, one thing often overlooked by Kenyan travelers is short-term travel insurance. Yet, this simple policy could be the most important thing you pack.
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At Bima Express Insurance Agency, we work with top local and international providers to offer affordable, flexible travel insurance plans that cover everything from medical emergencies to lost luggage. In this guide, we’ll explain what short-term travel insurance is, why it matters, what it covers, and how you can get it—fast and affordably.
What is Short-Term Travel Insurance?
Short-term travel insurance is a policy designed to protect you financially against unexpected events during a specific trip—usually one that lasts between a few days and a few months.
It typically covers:
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Emergency medical treatment abroad
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Flight cancellations and delays
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Lost or stolen baggage
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Accidents and personal liability
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Emergency evacuation or repatriation
Whether you’re traveling for leisure, business, education, or medical reasons, this cover ensures peace of mind and financial protection while you’re outside Kenya.
Why Do You Need Travel Insurance?
Many travelers assume nothing will go wrong—but international travel involves many risks. Consider these real-life scenarios:
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You fall ill or get injured abroad and need emergency medical care.
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Your flight gets canceled, and you need to rebook accommodation.
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Your suitcase is lost at a major airport with valuables inside.
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Political unrest breaks out in the country you’re visiting, and you need emergency evacuation.
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You’re required to show proof of insurance for a visa application (e.g., Schengen visa, Canada, UAE).
Without insurance, these events could cost thousands of dollars out-of-pocket. With the right travel policy, your insurer covers it—and you travel with confidence.
Who Should Buy Short-Term Travel Insurance?
Travel insurance is ideal for:
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Holiday travelers
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Business professionals attending conferences
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Students heading abroad for short courses or exams
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Medical tourists
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Pilgrims (e.g., Hajj, Umrah)
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Couples going on honeymoons
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Families visiting relatives abroad
Whether you’re gone for 3 days or 90 days, there’s a plan that fits your needs.
What Does a Short-Term Travel Insurance Plan Cover?
Coverage varies by provider and destination, but here’s what a standard policy typically includes:
| Category | What’s Covered |
|---|---|
| Medical Expenses | Emergency treatment, hospital bills, COVID-19 coverage (if included) |
| Emergency Evacuation | Airlift or repatriation to Kenya |
| Accidental Death/Disability | Compensation in case of permanent injury or death due to an accident |
| Trip Cancellation/Delay | Reimbursement for pre-paid expenses if your trip is canceled or delayed |
| Lost or Stolen Baggage | Compensation for lost suitcases, electronics, or valuables |
| Travel Document Loss | Cover for replacing a lost passport, ID, or visa |
| Personal Liability | Legal fees or compensation if you cause harm to another person or property |
Popular Travel Insurance Destinations Requiring Proof of Insurance
If you’re applying for a visa to certain countries, travel insurance isn’t optional—it’s a requirement. These countries include:
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Schengen Area (Europe)
Must have minimum coverage of €30,000 including medical evacuation and repatriation. -
United Arab Emirates (Dubai/Abu Dhabi)
Short-term visitors must show proof of travel insurance that includes COVID-19 cover. -
United Kingdom & Canada
While not mandatory, having insurance is highly recommended—and often asked during immigration checks. -
South Africa
Proof of return ticket and medical cover often requested at the point of entry.
How Much Does Travel Insurance Cost in Kenya?
Travel insurance is surprisingly affordable. Rates vary by destination, duration, and coverage, but here’s a rough guide:
| Destination | Duration | Estimated Premium |
|---|---|---|
| East Africa | 7 days | Ksh 1,200 – 2,500 |
| Middle East | 14 days | Ksh 3,000 – 5,000 |
| Europe (Schengen) | 21 days | Ksh 5,000 – 8,000 |
| USA/Canada | 30 days | Ksh 8,000 – 15,000 |
| Asia (India, China) | 14 days | Ksh 3,000 – 6,000 |
What to Consider When Choosing a Travel Insurance Policy
To get the best protection, consider the following:
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Your Destination
Different countries have different health costs and risks. A plan for Uganda is not the same as one for the US. -
Trip Duration
Ensure the cover spans the entire trip—from departure to return. -
Medical Coverage Limit
Check the maximum amount covered for hospital treatment (we recommend at least USD 30,000 for international trips). -
COVID-19 Inclusion
Confirm that the plan covers treatment, quarantine, and trip interruption due to COVID-19. -
Exclusions
Most policies don’t cover pre-existing conditions, high-risk activities (like skydiving), or intentional self-harm. -
24-Hour Assistance
Choose a policy that offers global emergency support via hotline or email.
Bima Express Advantage: Why Book Your Travel Insurance With Us
✅ Access to top local and international providers (APA, UAP Old Mutual, GA, AIG, Sanlam)
✅ Tailored plans for individuals, families, and groups
✅ Visa-compliant cover with fast document delivery
✅ Affordable premiums with flexible payment options
✅ Instant support on claims and emergency contacts
Real Travel Story: Evans’ Trip to Germany
Evans, a 42-year-old consultant from Nairobi, booked a two-week trip to Berlin for a tech conference. His visa application to the German Embassy required proof of travel insurance with Schengen-compliant coverage.
He contacted Bima Express and received:
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A compliant travel insurance certificate within 2 hours
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COVID-19 medical cover
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Emergency evacuation support
Not only did he get his visa approved without issue—he also had peace of mind during the entire trip.
FAQs About Travel Insurance in Kenya
Q1: How soon should I buy travel insurance before my trip?
At least 3–7 days before departure, or as soon as you’ve booked your tickets.
Q2: Can I buy travel insurance for someone else?
Yes, you can buy on behalf of a spouse, child, or relative.
Q3: Can I buy travel insurance if I’m already abroad?
Some insurers allow this, but premiums may be higher and coverage limited.
Q4: Do I need travel insurance for trips within East Africa?
Yes, especially for medical emergencies, personal accidents, or theft—even for short getaways.
Conclusion: Travel Smart, Travel Protected
When planning your next trip, don’t just think about the airline, hotel, or itinerary—think about how to protect yourself and your family if something goes wrong. Travel insurance is a small cost that brings big protection, and with Bima Express, it’s fast, easy, and reliable.
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📞 Call or WhatsApp: +254 729 044 687
🌐 Visit: www.bimaexpress.co.ke
📍 Nairobi’s Trusted Travel Insurance Experts
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