Travel Insurance Kenya
KSh 1,000
Tailored for students studying abroad for long periods.
Key Benefits:
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Medical expenses: up to $100,000
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Dental (injury only): up to $500
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Personal accident: up to $6,000
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Medical evacuation: up to $80,000
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Return of mortal remains: up to $25,000
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Trip cancellation/curtailment: not applicable
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Baggage loss/theft: up to $1,000 (excess $500)
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Baggage delay: up to $100 (excess $50)
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Missed departure: up to $100
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Personal liability: up to $50,000
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Legal defense: up to $2,000
Perfect for travelers exploring multiple destinations outside Kenya.
Key Benefits:
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Medical expenses: up to $300,000
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Dental (injury/illness): up to $1,000
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Optical (injury/illness): up to $500
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Follow-up treatment: up to $1,000
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Hospital cash benefit: $200/day (max 10 days)
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Medical evacuation & repatriation: up to $50,000
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Return of mortal remains: up to $30,000
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Personal accident: up to $50,000
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Trip cancellation/curtailment: up to $5,000
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Baggage loss/theft: up to $2,500
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Baggage delay: up to $500 (4-hour delay)
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Missed departure/connection: up to $1,000
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Personal liability: up to $200,000
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Legal defense & bail: up to $5,000
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Hijack cover: up to $7,500
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War & terrorism: covered under emergency and accident benefits
Designed for travelers applying for Schengen visas and visiting Europe.
Key Benefits:
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Medical expenses: up to $80,000
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Dental (injury/illness): up to $450
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Follow-up treatment: up to $500
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Hospital cash benefit: $100/day (max 10 days)
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Medical evacuation & repatriation: actual expenses
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Return of mortal remains: actual expenses
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Personal accident: up to $50,000
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Trip cancellation: up to $1,500
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Trip curtailment: up to $2,000
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Baggage loss/theft: up to $1,500
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Baggage delay: up to $200 (4-hour delay)
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Missed departure/connection: up to $200
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Personal liability: up to $200,000
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Legal defence: up to $3,500
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Hijack cover: $50/day (max $3,000)
For residents travelling within Kenya, covering local trips and holidays.
Key Benefits:
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Medical expenses: up to Kshs 500,000 (excess Kshs 3,500)
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Hospital cash: Kshs 2,500/day (max 30 days)
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Medical evacuation & repatriation: up to Kshs 300,000
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Return of mortal remains: up to Kshs 50,000
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Coffin expenses: up to Kshs 50,000
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Personal accident: up to Kshs 750,000
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Baggage loss/theft: up to Kshs 20,000 (excess Kshs 2,500)
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Single article limit: Kshs 7,500
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Personal liability: up to Kshs 2,250,000 (excess Kshs 7,500)
For non-residents visiting Kenya. Includes robust medical and repatriation benefits.
Key Benefits:
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Medical expenses: up to $100,000
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Dental (injury): up to $1,000
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Hospital cash benefit: $50/day (max 10 days)
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Medical evacuation & repatriation: up to $150,000
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Return of mortal remains: up to $100,000
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Personal accident: up to $30,000
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Trip cancellation/curtailment: up to $2,000
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Baggage delay: up to $200
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Personal liability: not covered
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Legal assistance abroad: up to $3,000
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Advance of funds: up to $2,000
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War & terrorism: covered under medical & accident benefits
Step 1: Your Details
Step 2: Coverage
Travelling is one of life’s greatest adventures, but unexpected situations can turn even the best-planned trips into stressful experiences. Whether you’re flying abroad, studying overseas, visiting Kenya, or travelling within the country, Divani Travel Insurance ensures that you’re covered every step of the way.
Through our partnerships with top insurers, we provide a range of travel plans tailored to fit different kinds of travelers, from worldwide explorers and students to inbound visitors and domestic travelers.
Emergency Medical and Related Expenses
When you’re far from home, access to quality medical care can be costly or difficult. This insurance covers emergency medical expenses arising from accidents or sudden illness while travelling. It includes essential benefits such as hospitalization, doctor visits, prescribed medication, and necessary follow-up treatment after returning home.
You’re also covered for dental and optical emergencies caused by injury or illness, ensuring you can continue your trip comfortably without unexpected medical bills. A daily hospital cash benefit is also included in most plans to help offset incidental costs during hospitalization.
This protection provides peace of mind that wherever you go, medical emergencies won’t derail your journey or your finances.
Medical Evacuation and Repatriation
In case of a serious medical condition that cannot be treated locally, the policy covers medical evacuation to the nearest appropriate medical facility. If the unfortunate happens and a traveler passes away while abroad, the plan also covers the repatriation of mortal remains back home.
Additional assistance is provided for family members, such as covering the cost of a person to travel and stay with you if you’re hospitalized abroad. These benefits are invaluable for travelers who want assurance that they — and their loved ones — will be taken care of, no matter where they are.
Personal Accident Cover
Travel exposes you to unfamiliar environments and situations. The personal accident benefit provides compensation in case of accidental death or permanent disability during the trip. This ensures that in the event of a tragedy, your loved ones are financially supported.
For many travelers, this coverage offers comfort knowing that their family’s well-being is protected in case of unforeseen circumstances.
Assistance Services
When emergencies happen in a foreign country, navigating the process alone can be overwhelming. Divani’s travel insurance includes 24-hour global assistance services, offering help with medical coordination, referrals, legal advice, lost documents, and more.
Travelers can also get support in relaying urgent messages, coordinating emergency accommodation, or accessing funds in case of theft or loss. This immediate support network provides a true safety net — you’re never alone, no matter how far you travel.
Trip Cancellation and Curtailment
Trips can sometimes be cancelled or interrupted due to unforeseen reasons such as illness, family emergencies, or other covered incidents. This benefit compensates for prepaid travel and accommodation costs that cannot be refunded.
If you must cut short your trip and return home early, the policy also covers your travel arrangements and related costs. For those travelling to visit family or for business, this protection ensures that you don’t lose your investment in travel arrangements when plans change unexpectedly.
Baggage, Personal Effects, and Travel Documents
Losing your luggage or personal belongings can be one of the most frustrating parts of travelling. This cover protects against loss, theft, or damage of baggage and personal effects. It also includes compensation for essential purchases in case of baggage delay, and protection for lost travel documents and cash in select plans.
Having this benefit means you can replace your essentials quickly and continue your journey with minimal disruption.
Travel Delays and Missed Connections
Flight delays and missed connections can lead to additional expenses such as meals, accommodation, and transportation. With this cover, you’re compensated for reasonable costs incurred due to delayed or missed departures, giving you the flexibility to handle travel disruptions without added stress.
This is especially useful for international travelers with multiple connecting flights or tight schedules.
Personal Liability
Accidents can happen anywhere — even those involving third parties or property damage. The personal liability benefit protects you if you unintentionally cause bodily injury or property damage to another person while travelling.
It covers legal defense costs, deposits for legal proceedings, and in some plans, advance bail or compensation amounts. This ensures you’re not left facing costly legal consequences while in a foreign country.
Additional Covers
Beyond medical and travel-related protection, Divani’s travel insurance also includes special covers such as hijack compensation, and in some plans, cover against passive war and terrorism. These additional benefits are designed to offer peace of mind even in extraordinary circumstances.
Travel Options to Suit Every Traveller
Divani Insurance offers five main travel options:
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Premier Worldwide Travel – ideal for global travelers visiting multiple destinations.
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Europe Schengen Travel – meets the mandatory requirements for Schengen visa applications.
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Student Travel – perfect for students studying abroad or participating in exchange programs.
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Inbound Travel – designed for visitors coming to Kenya, offering local medical and emergency protection.
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In-Country Travel – provides medical and personal accident cover for residents exploring Kenya domestically.
Each plan is structured to suit the unique needs of its audience, ensuring the right balance of protection and affordability.
Why Choose Divani Insurance Agency
At Divani, we believe buying travel insurance should be simple, fast, and stress-free.
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You can compare plans online, choose your preferred cover, and pay securely via Lipa na M-Pesa.
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Once payment is made, your travel certificate is sent instantly via Email or WhatsApp — no paperwork required.
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Your information is safely stored, and you’ll receive automatic reminders when your policy is due for renewal.
Our team also provides personalized support to help you choose the right plan and answer any questions before you travel.
Travel Confidently with Divani
Whether you’re travelling for business, study, leisure, or family reasons, Divani Travel Insurance ensures that you’re protected against the unexpected. From medical emergencies and flight disruptions to lost luggage and personal accidents, your peace of mind is our top priority.
Buy your cover today and travel knowing that Divani has you covered — wherever your journey takes you.
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