What is corporate travel insurance?
Corporate travel insurance covers employees on business trips under one company policy: emergency medical care abroad, evacuation, trip disruption, baggage and business equipment, and the cost of sending a replacement if someone falls ill. Kenyan insurers sell it as a yearly bank of travel days for unnamed staff, or at a daily rate for groups. It fills the gap WIBA leaves: WIBA pays only for work injuries, at Kenyan scale fees.
Does WIBA cover staff abroad?
Under section 11 of the Work Injury Benefits Act, staff ordinarily employed in Kenya can claim for a work injury while temporarily deployed abroad, but not on deployments of 12 months or more, and only at Kenyan scale fees.
WIBA or corporate travel insurance?
| WIBA | Corporate travel insurance | |
|---|---|---|
| Illness abroad | Not covered | Covered |
| Work injury abroad | Covered on deployments under 12 months, at Kenyan scale fees | Covered at the foreign hospital's cost |
| Evacuation and repatriation | Not covered | Covered |
| Cancellation, delays, baggage | Not covered | Covered |
| Replacement staff | Not covered | USD 2,500 – 4,500 |
| Compulsory? | Yes, for every employer | No, but part of duty of care |
- WIBA
- Not covered
- Corporate travel insurance
- Covered
- WIBA
- Covered on deployments under 12 months, at Kenyan scale fees
- Corporate travel insurance
- Covered at the foreign hospital's cost
- WIBA
- Not covered
- Corporate travel insurance
- Covered
- WIBA
- Not covered
- Corporate travel insurance
- Covered
- WIBA
- Not covered
- Corporate travel insurance
- USD 2,500 – 4,500
- WIBA
- Yes, for every employer
- Corporate travel insurance
- No, but part of duty of care
What corporate plans add
High medical limits
USD 300,000 to 750,000 of medical cover on corporate levels, for trips to the USA and Europe.
Replacement staff
The cost of flying out a colleague to finish the work if a traveller is hospitalised.
Business equipment
Laptops, phones and other gadgets lost or stolen on the trip, within limits; register them.
Legal help and bail
Legal costs and bail advances abroad, on most corporate levels.
Unnamed travellers
A bank of travel days drawn down as staff travel, declared on a list before each trip.
Domestic trips too
Some corporate plans also cover travel within Kenya.
How corporate travel is priced
| Option | Published price (USD) | Suits |
|---|---|---|
| Per-trip individual policies | About 13 – 38 for a trip of up to 8 days | A few trips a year |
| Group, same itinerary (10+ travellers) | About 3 – 4 a day per traveller | Delegations and events |
| Annual daily-rate tiers | About 6 – 8 a day, or 394 – 472 a year per traveller | Regular named travellers |
| Annual travel-day bank | About 1,580 for 200 days to 7,450 for 1,500 days | Many staff, unnamed |
- Published price (USD)
- About 13 – 38 for a trip of up to 8 days
- Suits
- A few trips a year
- Published price (USD)
- About 3 – 4 a day per traveller
- Suits
- Delegations and events
- Published price (USD)
- About 6 – 8 a day, or 394 – 472 a year per traveller
- Suits
- Regular named travellers
- Published price (USD)
- About 1,580 for 200 days to 7,450 for 1,500 days
- Suits
- Many staff, unnamed
What HR or finance needs to set it up
- An estimate of total travel days a year across all staff.
- Where staff go, especially the USA, Canada or high-risk countries.
- The ages of regular travellers (one insurer's corporate plan stops at 75).
- The longest single trip: corporate plans usually cap a trip at 92 days.
- A named person to keep the traveller list and handle claims.
How we arrange your company's cover
- Travel profile Staff numbers, travel days, destinations and ages.
- Compare corporate plans Day banks, daily rates and per-trip options, side by side.
- Set up and support Traveller list, certificates for visas and help with every claim.
Frequently asked questions
What is corporate travel insurance?
Travel insurance that a company buys for staff on business trips, usually as one annual policy covering all travellers: medical and evacuation abroad, trip disruption, baggage and business equipment, and replacement staff if someone falls ill.
Does WIBA cover employees who travel abroad?
Only for work injuries, and only on temporary deployments of under 12 months, at Kenyan scale fees. It does not pay for illness abroad, evacuation at foreign prices, cancellations or baggage. Corporate travel cover fills that gap.
How much does corporate travel insurance cost?
Plans are sold as a bank of travel days: about USD 1,580 for 200 days a year up to about USD 7,450 for 1,500 days, or at about USD 3–8 per traveller per day for groups.
Do we have to name every traveller in advance?
Not with a travel-day plan: staff are declared on a traveller list before each trip and the days are drawn down. Group plans for 10 or more people on the same itinerary need each traveller's details.
How long can each business trip last?
Usually up to 92 days per trip on corporate plans. Longer postings need a long-stay plan or international health insurance.
Is there an age limit for staff?
Yes: one insurer's corporate plan stops at 75. Older directors or consultants can be added on an individual policy.
Are laptops and phones covered?
Corporate plans cover business equipment and gadget theft within set limits; some insurers pay only for registered devices.
Is an employer obliged to insure staff travelling abroad?
WIBA cover is compulsory for every employer and extends to temporary work trips abroad, but no Kenyan law requires travel insurance as such. Most employers buy it as part of their duty of care, and many client and visa requirements make it necessary.
Staff travelling this year?
Tell us how many people travel, how often and where. We compare corporate plans from Kenyan insurers and come back within the hour.
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Sources (2)
- Kenyan insurers' published 2025 travel rate cards, checked 19 Oct 2026
- Work Injury Benefits Act 2007, s.11
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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