What is family travel insurance?
Family travel insurance covers you, your spouse and usually up to three children under 18 on the same trip, for emergency medical care, evacuation, cancellation, delays and baggage. Kenyan insurers price a family plan at about 2.3 to 2.4 times one adult's premium, and children on individual policies pay half price, so a family of four rarely pays for four adults.
What a family plan covers
Medical care for everyone
Treatment, hospital stays and medicines for each family member who falls ill or is hurt.
Evacuation together
Medical transport home, and travel for a family member who has to stay with a child in hospital.
Cancellation for the family
Non-refundable bookings if one of you falls ill before the trip, on plans with cancellation cover.
Bags and delays
Checked baggage, delayed bags after four hours, and emergency passports.
A family plan or separate policies?
| Family plan | Separate policies | |
|---|---|---|
| Price | About 2.3 – 2.4 × one adult | Each person priced; children half price |
| Who is covered | Two parents and up to three children under 18 | Anyone, any age |
| Limits | Shared across the family on some plans | Each person has their own |
| Grandparents or older children | Not included | Yes, on their own policy |
| Best for | Parents and young children travelling together | Mixed groups, different dates or a large family |
- Family plan
- About 2.3 – 2.4 × one adult
- Separate policies
- Each person priced; children half price
- Family plan
- Two parents and up to three children under 18
- Separate policies
- Anyone, any age
- Family plan
- Shared across the family on some plans
- Separate policies
- Each person has their own
- Family plan
- Not included
- Separate policies
- Yes, on their own policy
- Family plan
- Parents and young children travelling together
- Separate policies
- Mixed groups, different dates or a large family
Worked example: a family of four, one week in Europe
Worked example
- Two adults, up to 8 days in the Schengen area
- USD 34 – 40
- Two children under 18 at half price
- USD 17 – 20
- Total on separate policies
- USD 51 – 60
- In shillings (KSh 129.81 to the dollar)
- about KSh 6,600 – 7,800
On published rates; a family plan on a worldwide level costs about USD 51–92 for up to a week. Illustrative only, not a quote.
Rules that matter for families
A family plan covers you, your spouse and up to three children under 18, and costs about 2.3 to 2.4 times one adult's premium.
Source: Kenyan insurers' published 2025 travel rate cards, checked 19 Oct 2026
Most Kenyan travel rate cards charge children under 18 half price, add 50% at ages 66–75 and 100% at 76–80, and offer travellers over 80 only Europe or Schengen cover, at four times the price.
Source: Kenyan insurers' published 2025 travel rate cards, checked 19 Oct 2026
In BMK v AIG Kenya Insurance (2020) the High Court upheld the refusal of a USD 200,000 travel medical claim because a traveller's age had been misstated on the application.
Source: Case summary of BMK v AIG Kenya Insurance Ltd [2020] eKLR
Before you travel with children
- Give every traveller's exact date of birth: ages set the price and the eligibility.
- Check the youngest age the plan accepts; most start at three or six months.
- For a Schengen visa, each child needs a certificate in their own name.
- Add a child aged 18 or over, or a grandparent, on their own policy.
- Keep the 24-hour assistance number on every parent's phone.
How we arrange your family cover
- Who is going Names, dates of birth and passports for each traveller.
- We compare both ways A family plan against separate policies, so you pay the lower price for the cover you need.
- Certificates for everyone One per traveller where a visa needs it.
Frequently asked questions
What is family travel insurance?
One policy that covers you, your spouse and your children on the same trip, usually up to three children under 18. It costs less than buying adult policies for everyone, and the family shares the limits on some plans.
How much is family travel insurance in Kenya?
Family plans cost about 2.3 to 2.4 times one adult's premium: about USD 51–92 for a worldwide trip of up to a week, and USD 780–980 for a year of trips. A week in Europe for two adults and two children on separate policies is about USD 51–60.
At what age are children covered, and do they pay less?
Children are usually covered from three or six months old to 18, and most Kenyan insurers charge them half the adult rate on individual policies.
How many children can a family plan cover?
Usually up to three children under 18 with the two parents. Larger families add the extra children on their own policies at the child rate.
Do we have to travel together?
A family plan is built for a trip you take together. If one of you travels at different dates or to a different region, that person is usually better on their own policy.
Does a family plan work for Schengen visas?
Yes, as long as the plan meets the EUR 30,000 rule and each family member gets a certificate in their own name for their application. The child visa fee is EUR 45 for ages 6 to 11.
Why do insurers need our exact ages?
Ages set the price and the eligibility. Get them right: in a 2020 case the High Court upheld an insurer's refusal of a USD 200,000 medical claim because a traveller's age had been misstated.
Can grandparents join the family plan?
Family plans normally cover parents and children only. Grandparents take their own policy, with the usual age loadings from 66.
Planning a family trip?
Tell us who is going, where and for how long. We compare family and individual options so you pay the lower of the two.
Licensed by IRA · No obligation · We reply within 1 hour
Sources (4)
- Kenyan insurers' published 2025 travel rate cards, checked 19 Oct 2026
- Central Bank of Kenya weekly bulletin, 16 October 2026
- Case summary of BMK v AIG Kenya Insurance Ltd [2020] eKLR
- Regulation (EC) 810/2009, EU Visa Code (EUR-Lex)
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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