Here are 10 factors to consider when choosing travel insurance in Kenya:
Your trip details: The length of your trip, your destination(s) within Kenya, and the activities you plan to do will all affect the type of coverage you need. For example, if you’re planning a week-long safari in a remote area, you’ll need more comprehensive coverage than if you’re spending a weekend at the beach.
Your health: If you have any pre-existing medical conditions, make sure your travel insurance policy covers them. You may need to pay a higher premium for coverage, but it’s worth it for peace of mind.
Trip cancellation/interruption: This coverage will reimburse you for your non-refundable trip costs if you have to cancel your trip for a covered reason, such as illness, injury, or a natural disaster.
Medical expenses: Make sure your travel insurance policy includes coverage for medical expenses incurred while you’re abroad. This is especially important if you don’t have health insurance that covers international travel.
Baggage and personal belongings: This coverage will reimburse you for lost, stolen, or damaged luggage and belongings.
Personal liability: This coverage will protect you from financial liability if you cause injury or property damage to someone else while you’re traveling.
Political evacuation: This coverage will pay for your evacuation from Kenya if there is a political unrest or natural disaster.
Adventure activities: If you’re planning on doing any adventure activities, such as bungee jumping or white-water rafting, make sure your travel insurance policy covers them. You may need to purchase a separate add-on policy for these types of activities.
Excess (deductible): The excess is the amount you will have to pay out of pocket before your travel insurance policy kicks in. When choosing a policy, consider how much you can afford to pay in the event of a claim.
Price: Travel insurance can vary in price depending on the factors mentioned above. Be sure to compare quotes from different insurers before you buy a policy.
By considering these factors, you can choose a travel insurance policy that meets your needs and protects you financially in case of the unexpected.