How much will my travel insurance cost?
Use the calculator below: it applies Kenyan insurers' published 2025 rates for your region and trip length, adjusts for age (children half, 66–75 plus 50%, 76–80 double) and multiplies by the number of travellers. As a guide, a week in the Schengen area costs about USD 17–20 per adult and a week in Africa about USD 13.
Travel insurance calculator
An estimate from Kenyan insurers' published rates (October 2026), not a quote. Insurers band trip lengths differently and some add levies and stamp duty. Nothing you enter is stored or sent.
Rates this calculator uses
| Trip length | Africa & Asia | Europe & Schengen | Worldwide | Worldwide, higher cover |
|---|---|---|---|---|
| Up to 8 days | 13 | 17 – 20 | 22 – 23 | 30 – 38 |
| 9 – 15 days | 18 | 24 – 35 | 30 – 32 | 38 – 43 |
| 16 – 21 days | 24 – 25 | 27 – 42 | 37 – 40 | 45 – 50 |
| 22 – 32 days | 29 – 31 | 34 – 48 | 41 – 48 | 52 – 70 |
| 33 – 62 days | 35 – 65 | 46 – 89 | 52 – 92 | 68 – 121 |
| 63 – 92 days | 79 – 88 | 85 – 136 | 106 – 119 | 125 – 155 |
| A year of trips (annual) | 147 – 164 | 129 – 300 | 209 – 315 | 265 – 409 |
Travel insurance prices per adult aged 18–65 on Kenyan insurers' published rates (USD, October 2026)
- Africa & Asia
- 13
- Europe & Schengen
- 17 – 20
- Worldwide
- 22 – 23
- Worldwide, higher cover
- 30 – 38
- Africa & Asia
- 18
- Europe & Schengen
- 24 – 35
- Worldwide
- 30 – 32
- Worldwide, higher cover
- 38 – 43
- Africa & Asia
- 24 – 25
- Europe & Schengen
- 27 – 42
- Worldwide
- 37 – 40
- Worldwide, higher cover
- 45 – 50
- Africa & Asia
- 29 – 31
- Europe & Schengen
- 34 – 48
- Worldwide
- 41 – 48
- Worldwide, higher cover
- 52 – 70
- Africa & Asia
- 35 – 65
- Europe & Schengen
- 46 – 89
- Worldwide
- 52 – 92
- Worldwide, higher cover
- 68 – 121
- Africa & Asia
- 79 – 88
- Europe & Schengen
- 85 – 136
- Worldwide
- 106 – 119
- Worldwide, higher cover
- 125 – 155
- Africa & Asia
- 147 – 164
- Europe & Schengen
- 129 – 300
- Worldwide
- 209 – 315
- Worldwide, higher cover
- 265 – 409
- Age: Under 18: half the adult rate; 18 – 65: the adult rate; 66 – 75: +50%; 76 – 80: +100%; Over 80: four times the rate, Europe & Schengen only.
- Shillings: KSh 129.81 to the US dollar (Central Bank of Kenya, 15 October 2026).
How the estimate is worked out
- The price range for your region and trip length comes from four Kenyan insurers' published rate cards.
- Age: under 18 pay half, 66–75 add 50%, 76–80 add 100%; over 80, Europe or Schengen only at four times the rate.
- The per-person range is multiplied by the number of travellers.
- Shillings use the Central Bank of Kenya rate of KSh 129.81 to the dollar (15 October 2026).
Frequently asked questions
How does the travel insurance calculator work?
It applies Kenyan insurers' published 2025 rates for your region and trip length, then the usual age adjustments, and multiplies by the number of travellers. It shows the range across insurers, not a quote.
Why might my quote differ from the estimate?
Insurers round trip lengths into their own bands, some add levies and stamp duty, and options such as winter sports or higher cancellation limits change the price. Your quote shows the exact figure.
Is anything I type in the calculator saved?
No. The estimate is worked out in your browser; nothing is sent until you choose to request a quote.
How much is that in Kenya shillings?
Insurers price travel cover in US dollars and you pay in shillings at their rate. At the Central Bank's KSh 129.81 to the dollar (15 October 2026), USD 20 is about KSh 2,600.
How much more do older travellers pay?
50% more at 66–75 and 100% more at 76–80 on most rate cards; above 80, Europe or Schengen cover at four times the adult rate. Children under 18 pay half.
Happy with the estimate?
Send us the trip details and we will confirm the exact premium from the Kenyan insurers that cover it.
Licensed by IRA · No obligation · We reply within 1 hour
Sources (2)
- Kenyan insurers' published 2025 travel rate cards, checked 19 Oct 2026
- Central Bank of Kenya weekly bulletin, 16 October 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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