How much is travel insurance in Kenya?
On Kenyan insurers' published 2025 rates, a trip of up to a week costs about USD 13 for Africa or Asia, USD 17–20 for Europe and the Schengen area, USD 22–23 worldwide and USD 30–38 worldwide with higher medical limits, per adult. A year of trips costs USD 129–409. Children pay half, ages 66–75 pay 50% more and 76–80 double. At KSh 129.81 to the dollar, a week in Europe is about KSh 2,200–2,600.
Published prices by region and trip length
| 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
More on Travel insurance calculator
How a travel premium is worked out
- Pick the region: Africa and Asia, Europe and Schengen, worldwide, or worldwide with higher cover (needed for the USA).
- Find the trip-length band: insurers price in steps such as up to 8 days, 9–14 days and so on, up to 92 days.
- Choose the level: basic, plus or extra, which sets the medical limit and extras.
- Adjust for age: children half, 66–75 add 50%, 76–80 add 100%.
- Add options such as winter sports (often double), and the levies and stamp duty if the insurer adds them.
Worked example: a couple, two weeks in France
Worked example
- Two adults, 9 – 15 days in the Schengen area
- 2 × USD 24 – 35
- Premium
- USD 48 – 70
- In shillings (KSh 129.81 to the dollar)
- about KSh 6,200 – 9,100
Illustrative only, not a quote.
Worked example: two parents and two children, one week in Europe
Worked example
- Two adults, up to 8 days
- USD 34 – 40
- Two children at half price
- USD 17 – 20
- Premium
- USD 51 – 60
- In shillings
- about KSh 6,600 – 7,800
Illustrative only, not a quote.
More on Family travel insurance
Family, student, pilgrimage, corporate and visitor plans
| Plan | Price | Basis |
|---|---|---|
| Family plan, worldwide, up to a week | 51 – 92 | Two parents and up to three children |
| Family plan, a year of trips | about 780 – 980 | Worldwide levels |
| Student plan | 200 – 415 for 6 months; 278 – 521 for a year | Per student, by zone |
| Hajj or Umrah plan | 22 – 61 | Per pilgrim, up to 45 days |
| Corporate travel-day bank | about 1,580 (200 days) to 7,450 (1,500 days) | Per company, per year |
| Group or corporate daily rate | 3 – 8 a day | Per traveller |
| Domestic (within Kenya) | 0.60 – 1.20 a day, or from KSh 177 a day | Trips 100 km or more from home |
| Visitors to Kenya: statutory cover | up to 44 | Per visitor, up to 3 months, levies included |
Other travel plans: published prices (USD, October 2026)
- Price
- 51 – 92
- Basis
- Two parents and up to three children
- Price
- about 780 – 980
- Basis
- Worldwide levels
- Price
- 200 – 415 for 6 months; 278 – 521 for a year
- Basis
- Per student, by zone
- Price
- 22 – 61
- Basis
- Per pilgrim, up to 45 days
- Price
- about 1,580 (200 days) to 7,450 (1,500 days)
- Basis
- Per company, per year
- Price
- 3 – 8 a day
- Basis
- Per traveller
- Price
- 0.60 – 1.20 a day, or from KSh 177 a day
- Basis
- Trips 100 km or more from home
- Price
- up to 44
- Basis
- Per visitor, up to 3 months, levies included
What Kenyan agencies advertise
| Signal | Figure | Note |
|---|---|---|
| Advertised entry price | from about KSh 1,000 per trip | Region and length not given |
| Typical two-week Schengen quote | about KSh 2,000 – 3,600 | In line with insurers' published rates |
| Budgeting rule some agencies suggest | 5 – 7% of the trip's cost | A rough guide, not how insurers price |
What Kenyan agencies advertise (anonymised market estimates)
- Figure
- from about KSh 1,000 per trip
- Note
- Region and length not given
- Figure
- about KSh 2,000 – 3,600
- Note
- In line with insurers' published rates
- Figure
- 5 – 7% of the trip's cost
- Note
- A rough guide, not how insurers price
What makes travel cover cost more or less
- Destination: the USA and Canada cost most, Africa least.
- Trip length, in the insurer's bands.
- Age: from 66 the price rises 50%, from 76 it doubles.
- Level of cover: higher medical and cancellation limits cost more.
- Family plan or separate policies.
- Winter or dangerous sports, added for an extra premium.
- Annual instead of single trips, if you travel often.
Frequently asked questions
How much is travel insurance for one week?
About USD 13 for Africa or Asia, USD 17–20 for Europe and the Schengen area, USD 22–23 for worldwide cover and USD 30–38 for worldwide cover with higher medical limits, per adult on Kenyan insurers' published rates.
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.
What is the cheapest travel insurance in Kenya?
Short Africa trips and one-week Schengen cover are the cheapest, at about USD 13 and USD 17 per adult. The cheapest policy is only good value if it meets your visa rule and has enough medical cover for your destination.
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.
Are levies and stamp duty included?
It depends on the insurer: some include them in the published price, others add the statutory levies and stamp duty on top. Every quote we send states the full amount you pay.
Is travel insurance a percentage of the trip cost?
Not in Kenya. Insurers price by region, trip length, age and level of cover, not by what you spent on the trip, although some agencies suggest budgeting about 5–7% of the trip's cost.
Single trip or annual multi-trip: which is better?
A single-trip policy is cheaper if you travel once or twice a year. On published rates an annual plan pays for itself from about the 8th to 13th one-week trip, or the 4th to 7th month-long trip, and each trip is limited to 92 or 180 days.
Want an exact figure?
Tell us where, how long and the travellers' ages. We compare Kenyan insurers' quotes, levies included.
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Sources (4)
- Kenyan insurers' published 2025 travel rate cards, checked 19 Oct 2026
- Central Bank of Kenya weekly bulletin, 16 October 2026
- Kenya eCitizen Inbound Travel Health Insurance portal (IRA)
- Kenyan insurers' published 2025 travel rate cards (four insurers for the regional ranges), the eCitizen inbound portal and anonymised Kenyan agency pages, gathered 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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