Can seniors get travel insurance in Kenya?
Yes. Most Kenyan insurers cover travellers up to 80, adding 50% to the price at ages 66–75 and 100% at 76–80, and some ask for a medical report over 70. Above 80 the choice narrows to Europe or Schengen cover at four times the adult rate, a seniors' plan for ages 70 to 85, or one insurer that accepts travellers up to 89. Pre-existing conditions are usually excluded.
How age changes the price
| Age | Price on most rate cards | Notes |
|---|---|---|
| Under 18 | Half the adult rate | |
| 18 – 65 | Standard rate | |
| 66 – 75 | +50% | One insurer charges double from 71, with a medical report |
| 76 – 80 | +100% | Some count your age when the policy ends |
| 81 – 85 | Europe or Schengen only, four times the rate | Or a seniors' plan for ages 70 – 85 |
| Up to 89 | One insurer | Ask us to check eligibility |
- Price on most rate cards
- Half the adult rate
- Notes
- Price on most rate cards
- Standard rate
- Notes
- Price on most rate cards
- +50%
- Notes
- One insurer charges double from 71, with a medical report
- Price on most rate cards
- +100%
- Notes
- Some count your age when the policy ends
- Price on most rate cards
- Europe or Schengen only, four times the rate
- Notes
- Or a seniors' plan for ages 70 – 85
- Price on most rate cards
- One insurer
- Notes
- Ask us to check eligibility
Worked example: a 72-year-old, three weeks in Europe
Worked example
- Adult rate, 16 – 21 days in the Schengen area
- USD 27 – 42
- Age 66 – 75 loading
- +50%
- Estimated premium
- USD 41 – 63
- In shillings (KSh 129.81 to the dollar)
- about KSh 5,300 – 8,200
On published rates. Illustrative only, not a quote.
Health rules for older travellers
Most Kenyan travel policies exclude pre-existing conditions; one insurer will cover a condition you declare if its underwriter approves it, sometimes for an extra premium.
Source: Kenyan insurers' published 2025 travel rate cards, checked 19 Oct 2026
Some insurers ask travellers over 70 for a medical report, and one charges them double the adult rate.
Source: Kenyan insurers' published 2025 travel rate cards, checked 19 Oct 2026
Travel insurance does not pay for a trip taken to get medical treatment, or for travel against a doctor's advice.
Source: Kenyan insurers' published 2025 travel rate cards, checked 19 Oct 2026
Tips for older travellers
Declare your health honestly
A wrong answer on the application can void a claim; a declared condition can sometimes be accepted.
Check the age rule
Some insurers count your age at the start of the trip, others at the end of the policy.
Carry your medicines and letter
Take enough medication and a doctor's letter; travel insurance does not pay for routine prescriptions.
Buy early
Cancellation cover protects the trip only from the day you buy.
Frequently asked questions
Can a 75-year-old Kenyan get travel insurance?
Yes. Most Kenyan insurers cover travellers to 80, adding 50% to the price at 66–75 and 100% at 76–80. Some ask for a medical report over 70.
Is there travel insurance for over-80s?
Yes, with fewer choices. Most insurers offer only Europe or Schengen cover above 80, at four times the adult rate; one sells a seniors' plan for ages 70 to 85 and another accepts travellers up to 89.
Are pre-existing conditions such as diabetes or high blood pressure covered?
Usually not: most policies exclude conditions you had before the trip. One insurer covers a declared condition if its underwriter agrees. The emergencies that are new on the trip are covered as normal.
Will I need a medical examination?
Not usually. Some insurers ask travellers over 70 for a satisfactory medical report before they cover them.
How much does senior travel insurance cost?
Take the adult price and add 50% at 66–75 or 100% at 76–80. Three weeks in Europe at 72 comes to about USD 41–63 on published rates.
Does the age limit apply when I buy or when the policy ends?
It varies: one insurer counts your age at the end of the policy (maximum 80 at expiry), others at the start of the trip. Tell us your date of birth and we will check.
Can I use travel insurance for treatment abroad?
No. Travel insurance excludes trips taken to get treatment. For planned care abroad you need international health insurance or SHA pre-approval for the listed procedures.
Travelling after 65?
Tell us the traveller's age, destination and any long-term condition. We find the insurers that will cover them, and the price.
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
- Citizen Digital, 29 January 2026
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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