What is annual multi-trip travel insurance?
Annual multi-trip travel insurance covers every trip you take in a 12-month period under one policy, with each trip limited to 92 or 180 days. On Kenyan insurers' published rates it costs about USD 129–409 for one adult, depending on the region and level of cover, and it pays for itself from about the 8th to 13th one-week trip in a year.
When annual cover beats single trips
Annual premium divided by the single-trip premium, on three Kenyan insurers' published rates.
| Your trips | Annual plan pays off from |
|---|---|
| One-week trips to Europe | the 8th to 13th trip |
| Month-long trips to Europe | the 4th to 7th trip |
| One-week trips in Africa or Asia | the 11th to 13th trip |
| One-week trips worldwide | the 10th to 14th trip |
- Annual plan pays off from
- the 8th to 13th trip
- Annual plan pays off from
- the 4th to 7th trip
- Annual plan pays off from
- the 11th to 13th trip
- Annual plan pays off from
- the 10th to 14th trip
Annual cover also saves the time of buying a policy for every trip, and covers trips booked at short notice.
What annual cover costs
| Region | One adult (USD a year) | Notes |
|---|---|---|
| Africa and Asia | 147 – 164 | Budget worldwide levels from about 133 |
| Europe and Schengen | 129 – 300 | Meets the Schengen rule at listed insurers |
| Worldwide | 209 – 315 | Standard medical limits |
| Worldwide, higher cover | 265 – 409 | For the USA and Canada |
| Family, worldwide | about 780 – 980 | Two parents and up to three children |
- One adult (USD a year)
- 147 – 164
- Notes
- Budget worldwide levels from about 133
- One adult (USD a year)
- 129 – 300
- Notes
- Meets the Schengen rule at listed insurers
- One adult (USD a year)
- 209 – 315
- Notes
- Standard medical limits
- One adult (USD a year)
- 265 – 409
- Notes
- For the USA and Canada
- One adult (USD a year)
- about 780 – 980
- Notes
- Two parents and up to three children
Plans that allow trips of up to 180 days cost more. Ages 66–75 add 50% and 76–80 add 100%.
The rules of an annual policy
Most single-trip policies cover up to 92 days, with options to 180 days; annual plans limit each trip to 92 or 180 days.
Source: Kenyan insurers' published 2025 travel rate cards, checked 19 Oct 2026
Insurers refund a policy only if it is cancelled before it starts; for a refused visa one asks for the embassy's refusal letter, and the taxes are not refunded.
Source: Kenyan insurers' published 2025 travel rate cards, checked 19 Oct 2026
For a multiple-entry visa, only the first trip has to be covered; you sign a statement on the application that you will insure later trips (Article 15(2)).
Who annual cover suits
Business travellers
Regional managers, consultants and traders crossing borders several times a year.
Families visiting relatives
Kenyans with family in Europe, the Gulf or North America who visit more than once a year.
Multiple-entry visa holders
Schengen visas need later trips insured too; an annual plan covers them all.
Last-minute travellers
Already covered when a trip comes up at short notice.
How we set up your annual cover
- Your travel year How many trips, where, the longest trip and who travels.
- Single or annual? We check whether annual actually saves you money before recommending it.
- Certificates on demand We send a certificate for each visa application during the year.
Frequently asked questions
What is annual multi-trip travel insurance?
One policy that covers every trip you take in a 12-month period, with a limit on the length of each trip, usually 92 or 180 days.
How much is annual travel insurance in Kenya?
About USD 129–409 for one adult on published rates, depending on region and level, and about USD 780–980 for a family. Plans that allow 180-day trips cost more.
How many trips make an annual policy worth it?
On published Kenyan rates, from about the 8th to the 13th short trip in a year, or the 4th to 7th month-long trip. If you travel every month or two, annual cover usually wins.
Can I use an annual policy for a Schengen visa?
Yes, if it covers Europe, meets the EUR 30,000 minimum and the insurer is on the Nairobi list. For a multiple-entry visa it also covers the later trips you promise to insure.
Can I get a refund if I travel less than planned?
Usually not. Annual premiums are generally non-refundable once the policy starts, and unused cover does not carry over.
Is there a family annual plan?
Yes. Several insurers sell annual family cover on their worldwide levels, at about USD 780–980 a year.
What if one trip is longer than 92 days?
Choose the 180-day version of the annual plan, or buy a separate long-stay policy for that trip.
Travelling every month or two?
Tell us how often you travel and where. We work out whether annual cover beats single trips for you and compare the plans.
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Sources (3)
- Kenyan insurers' published 2025 travel rate cards, checked 19 Oct 2026
- Regulation (EC) 810/2009, EU Visa Code (EUR-Lex)
- EU Delegation to Kenya: approved Schengen medical travel insurers, 2025
Facts and published prices checked 19 Oct 2026; last reviewed October 2026 by Naveah Capital. Prices shown are published rates and market estimates in US dollars, before any levies an insurer adds; they are not a quote. Naveah Capital Insurance Agency is an IRA-licensed insurance agency in Nairobi; this page is general information, and your policy wording decides your cover.
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