Schengen Travel Insurance from Kenya — Everything You Need to Know
If you’re planning to travel to Europe for a vacation, business trip, studies, or to visit family, one of the first things you’ll need for your visa application is Schengen travel insurance. It’s not just another requirement—it’s a way to protect yourself when traveling abroad, giving you peace of mind in case of unexpected medical emergencies or travel disruptions.
For many Kenyan travelers, getting this insurance can seem confusing at first. You may wonder what it covers, why it’s mandatory, and how to buy it easily without going through complicated paperwork. The good news is, Divani Insurance has made the process simple, fast, and entirely online. Whether you’re in Nairobi, Mombasa, or Eldoret, you can buy your Schengen travel insurance in minutes and receive your certificate instantly—ready for your visa application.
In this guide, we’ll walk you through everything you need to know about Schengen travel insurance, from what it covers and who needs it, to how to buy it online and why it matters more than just for visa approval. By the end, you’ll understand exactly how this cover works and how to get the best plan for your trip.
What Is Schengen Travel Insurance and Why It’s Required
If you’ve ever planned a trip to Europe, chances are you’ve come across the term “Schengen travel insurance.” It might sound like just another travel requirement, but it’s actually an important safeguard designed to protect both you and the countries you visit within the Schengen Zone.
Simply put, Schengen travel insurance is a short-term travel medical insurance policy that provides coverage for emergencies during your stay in any of the 27 Schengen countries. The Schengen Zone itself is a group of European nations that have agreed to allow free movement across their borders—meaning once you enter one country, you can move freely among the others without additional visas or checks.
Because of this open-border system, Schengen countries have a shared visa policy. One part of that policy requires travelers from outside the region—like visitors from Kenya or other non-EU nations—to show proof of adequate medical insurance before they’re granted a visa.
The reasoning is simple: if you fall sick, get injured, or face a medical emergency during your stay, you shouldn’t be left stranded or become a financial burden on the host country’s healthcare system.
To meet the requirement, your Schengen travel insurance must:
- Provide a minimum coverage of €30,000 (about KSh 4.5 million) for medical emergencies.
- Cover all Schengen countries without exception.
- Include repatriation benefits, meaning it should cover the cost of sending you back to your home country in case of severe illness or death.
This insurance isn’t just a formality—it’s your safety net abroad. Even a minor accident can lead to expensive medical bills in Europe, where healthcare costs are much higher than in Kenya. Having proper coverage means you can travel with confidence, knowing help is available if you ever need it.
Who Needs Schengen Travel Insurance
Schengen travel insurance is required for anyone applying for a Schengen visa — whether you’re visiting Europe for a holiday, a business trip, studies, or even to visit family. It’s one of the key documents you’ll need to present when submitting your visa application.
This means if you hold a Kenyan passport (or any passport from a country that needs a visa to enter the Schengen area), you must have this insurance in place before your visa is approved. The insurance certificate is submitted as part of your application to show that you’re covered for the duration of your stay.
Here’s a breakdown of who exactly needs it:
- Tourists and holidaymakers — planning to visit Schengen countries for leisure or sightseeing.
- Business travelers — attending meetings, conferences, or company events within the Schengen zone.
- Students — enrolled in short-term study programs or internships in Europe.
- Family visitors — traveling to see relatives or friends living within Schengen countries.
- Transit travelers — even if you’re just passing through a Schengen airport on your way elsewhere, some countries may still require you to have valid coverage, depending on your stopover duration.
On the other hand, if you are a citizen of a Schengen member state or hold a residence permit, you don’t need to purchase this insurance separately because you’re already covered under your local health system or residence requirements.
It’s also worth noting that having Schengen travel insurance isn’t just about visa approval—it’s about peace of mind. Even if you’re visiting a country where medical care is top-notch, being in a foreign place without coverage can quickly turn a small emergency into a big problem.
In short, any non-Schengen visitor applying for a visa should get Schengen travel insurance—it’s not optional, and more importantly, it’s smart travel planning.
What Does Schengen Travel Insurance Cover
Schengen travel insurance is designed to protect you against unexpected events while you’re in Europe — especially medical emergencies and travel disruptions that could leave you stranded or out of pocket. The coverage is standardized around the Schengen visa requirements, but the best plans, like those offered through Divani, go beyond the basics to give travelers genuine peace of mind.
Here’s what’s typically covered under a Schengen travel insurance policy:
Emergency Medical Expenses
If you fall ill or get injured while traveling within the Schengen area, the insurance covers your hospitalization, doctor’s fees, and prescribed medication. This is the main requirement for visa approval, with a minimum coverage of €30,000 — ensuring that you can access medical care without worrying about the high cost of treatment abroad.
Emergency Medical Evacuation and Repatriation
If you suffer a serious illness or injury and need to be transported to a hospital in another country — or even back home to Kenya — your policy covers the cost of evacuation or repatriation. In the worst-case scenario, it also includes repatriation of mortal remains to your home country, ensuring your family isn’t burdened with those expenses.
Trip Cancellation or Curtailment
Life can be unpredictable. If you have to cancel your trip before departure due to reasons such as illness, an accident, or a family emergency, the policy can reimburse you for non-refundable travel and accommodation costs. Similarly, if you need to cut your trip short while already abroad, your remaining trip costs may be covered.
Loss of Baggage and Personal Belongings
Lost or delayed baggage can throw your plans into chaos. Schengen travel insurance provides compensation for lost, stolen, or damaged luggage and personal items, helping you replace essential belongings and continue your trip comfortably.
Travel Delays and Missed Connections
Delays are a part of modern travel, but they don’t have to cost you extra. The policy can cover meals, accommodation, and transportation costs if your flight is delayed or you miss a connecting flight due to unforeseen circumstances like weather or technical issues.
Personal Liability
If you accidentally cause damage to someone’s property or injure another person during your trip, the personal liability section of the policy protects you by covering legal expenses and compensation claims.
Assistance Services
This often-overlooked feature can be a lifesaver. You’ll have 24/7 assistance for emergencies — whether you need a doctor’s recommendation, lost your passport, or require help with hospital arrangements.
In essence, Schengen travel insurance ensures you’re never left alone in a foreign country when things go wrong. It’s not just about meeting visa requirements — it’s about traveling smart and responsibly.
Key Benefits of Buying Schengen Travel Insurance Through Divani
Choosing where to buy your travel insurance can make a big difference — not just in the price, but also in convenience, reliability, and peace of mind. At Divani Insurance, we’ve made the process of getting Schengen travel insurance from Kenya simple, transparent, and entirely online. Whether you’re applying for your first visa or planning your tenth trip abroad, Divani ensures that every step is smooth and stress-free.
Here are the key benefits of buying your Schengen travel insurance through Divani:
Instant Online Purchase and Certificate Issuance
With Divani, you can complete your purchase in just a few minutes. Once you select your travel plan, fill in your details, and pay securely via Lipa na M-Pesa, your insurance certificate is issued instantly — ready to attach to your Schengen visa application. No long queues, no follow-ups, no paperwork.
Approved for Schengen Visa Applications
All Schengen travel insurance plans offered through Divani meet the official requirements set by the Schengen member states — including the minimum medical coverage of €30,000, validity across all 27 countries, and coverage for emergency repatriation. This means your policy is fully compliant and accepted by embassies.
Backed by Trusted International Insurers
Divani partners with globally recognized insurers who have a long-standing reputation for reliability, fast claims processing, and global assistance networks. So wherever you travel within Europe, you’re backed by professional support available around the clock.
24/7 Worldwide Assistance
Emergencies don’t follow business hours. Every Divani Schengen plan includes round-the-clock assistance, so you can reach help anytime — whether you’ve lost your passport, need medical support, or face a travel disruption.
Flexible Coverage Options for Every Traveler
From single trips to annual covers, from students to families, Divani offers flexible plans for every type of traveler. You can easily choose the cover that matches your trip duration, frequency, and purpose without paying for extras you don’t need.
Transparent Process and Local Support
As a Kenyan-based agency, Divani offers local support with global standards. You can reach out directly for help understanding your cover, getting your documents, or handling any claim issues. We make sure you’re supported before, during, and after your trip.
Affordable Premiums with Full Value
Divani negotiates the best rates with insurers to ensure you get affordable premiums without compromising on protection. You pay only for what you need, and every policy detail is clear before you buy.
Convenient Document Uploads and Management
After purchasing, you’ll be guided to upload your required travel documents — including your KRA PIN, ID/Passport, and any other necessary details — through a secure portal. It’s fast, safe, and mobile-friendly.
In short, buying your Schengen travel insurance through Divani is not just about fulfilling visa requirements — it’s about traveling with confidence, knowing you’re covered, supported, and cared for from the moment you take off to the day you return home.
How to Buy Schengen Travel Insurance Online in Kenya (Step-by-Step)
Getting your Schengen travel insurance through Divani is quick, secure, and completely online. You don’t need to visit an office, fill out long forms, or wait for days to get your certificate. The entire process takes just a few minutes — from choosing your plan to receiving your policy by email, ready for your visa application.
Here’s a simple step-by-step guide to help you complete your purchase:
Step 1: Select the Schengen Travel Insurance Product
Visit Divani’s website and select Schengen Travel Insurance from the list of available covers. You’ll find detailed descriptions of what’s included in each plan, making it easy to compare and choose the option that fits your trip — whether it’s a short visit, a study period, or multiple travels throughout the year.
Step 2: Fill in Your Travel and Personal Details
Provide basic information such as your full name, passport number, travel dates, and destination countries. Make sure the dates match your flight bookings and visa application to avoid delays or rejections. Some of this information is collected at checkout.
Step 3: Pay Securely Using Lipa na M-Pesa
Once you confirm your details, proceed to payment. Divani accepts Lipa na M-Pesa for instant, secure transactions. You’ll receive a confirmation message immediately after payment, showing that your order has been successfully placed.
Step 4: Upload the Required Documents
After payment, you’ll be redirected to a secure page to upload your KRA PIN, ID or Passport, and, for other products like motor insurance, your logbook. These are standard verification documents to finalize your policy.
Step 5: Receive Your Schengen Travel Insurance Certificate Instantly
Within minutes, your insurance certificate will be generated and sent directly to your email. This is the document you’ll need to attach to your Schengen visa application. You can also download it directly from your Divani account or confirmation page.
Step 8: Travel with Peace of Mind
That’s it! You’re covered. You can now attend your visa appointment or start your journey knowing that you’re fully protected during your time in Europe.
With Divani, buying Schengen travel insurance in Kenya is as easy as booking a flight. It’s fast, compliant with embassy requirements, and supported by real people who understand the process. And should you need any assistance or clarification, feel free to chat or contact us.
Common Questions About Schengen Travel Insurance
When planning your trip to Europe, it’s normal to have a few questions about Schengen travel insurance — what it covers, how long it’s valid, and how it fits into your visa application. Below are some of the most common questions travelers in Kenya ask, along with straightforward answers to help you feel confident before you buy.
1. Is Schengen travel insurance really mandatory for visa approval?
Yes. Schengen travel insurance is a compulsory requirement when applying for a Schengen visa. Without it, your visa application will be rejected. The insurance ensures that if you fall ill or get injured while in Europe, your medical expenses are covered — protecting both you and the host country.
2. How much medical coverage do I need for my Schengen visa?
The Schengen Agreement requires a minimum medical coverage of €30,000 (approximately USD 33,000). Divani’s Schengen travel plans meet and exceed this requirement, so you’ll never have to worry about compliance issues.
3. Can I buy Schengen travel insurance online from Kenya?
Absolutely. Divani has made the process simple and fully digital. You can choose your plan, pay securely via Lipa na M-Pesa, upload your documents, and receive your certificate instantly — all without visiting an office.
4. How long should my insurance cover last?
Your travel insurance should cover the entire duration of your trip, from the day you depart Kenya to the day you return. If you have multiple trips planned, you can also choose an annual plan that covers all your Schengen travels within a year.
5. Does Schengen travel insurance cover COVID-19 or medical emergencies?
Yes. The cover includes emergency medical expenses, which may include COVID-19-related treatment, depending on your chosen plan and the prevailing travel advisories. Always check your policy wording for details before travel.
6. What if my visa is denied after I’ve bought the insurance?
If your visa is denied, Divani can assist with policy cancellation or adjustment in line with the insurer’s refund terms. Always inform our team immediately once you receive the embassy’s decision.
7. Is baggage loss or delay covered?
Yes. Depending on your plan, you are covered for lost or delayed baggage and travel document loss, giving you financial support if your luggage goes missing or your trip is disrupted.
8. Do I need Schengen travel insurance if I already have a medical cover in Kenya?
Yes. Your local medical insurance typically doesn’t cover you outside Kenya. Schengen insurance is specifically designed for international travel and is recognized by European embassies as proof of sufficient coverage.
9. How long does it take to receive my certificate after payment?
It’s almost instant. Once your payment and documents are verified, your insurance certificate is generated immediately and sent to your email — ready for submission to the embassy.
10. Can I include my family under one policy?
Yes. Divani offers family travel plans that cover multiple members under a single policy, making it convenient and cost-effective for families traveling together.
These answers should help clear up most of the confusion around Schengen travel insurance. Still, if you’re unsure which plan is best for you or your family, Divani’s support team can guide you through choosing the right coverage for your trip.
Why Schengen Travel Insurance Matters More Than Just a Visa Requirement
Many travelers see Schengen travel insurance as just another box to tick for visa approval — a piece of paper required by the embassy. But in reality, it’s far more important than that. This cover is designed to protect you, your health, and your finances while you’re in unfamiliar territory.
Imagine falling sick in a foreign country where medical care is excellent but expensive. Without insurance, even a short hospital visit could cost hundreds or thousands of dollars. Schengen travel insurance ensures that you’re not left stranded or forced to pay out-of-pocket in such situations. It steps in to handle medical emergencies, hospitalization, or even evacuation back home if needed.
But it doesn’t stop there. This insurance goes beyond health coverage. It includes protection against trip cancellations, baggage loss, travel delays, and personal accidents — all the things that can go wrong when you’re far from home. Whether your flight gets delayed, your luggage is misplaced, or you face an unexpected emergency that forces you to return early, your insurance cushions the financial shock.
Even simple situations — like missing a connecting flight or losing your travel documents — can quickly disrupt your plans and lead to extra expenses. Having valid travel insurance means there’s always a safety net to fall back on.
In essence, Schengen travel insurance is not just about meeting embassy requirements; it’s about traveling smart and responsibly. It gives you the peace of mind to enjoy your time in Europe knowing that, no matter what happens, you’re covered.
And when you buy through Divani, you’re not just purchasing a policy — you’re partnering with a trusted agency that ensures your cover meets all Schengen regulations while providing real-world support when you need it most.
How Divani Makes It Simple for You
Traveling to Europe can be exciting, but the process of securing the right insurance for your Schengen visa doesn’t have to be complicated. Divani has designed a fast, convenient, and fully online experience so that you can get your Schengen travel insurance without stress or delays.
Here’s how Divani simplifies the process:
Easy Online Selection
From your phone or computer, you can browse all available Schengen travel plans and compare coverage options. Whether you’re traveling for studies, leisure, or business, you’ll quickly find a plan that fits your trip’s duration, purpose, and budget.
Quick and Secure Payment
Divani accepts Lipa na M-Pesa, making payment instant, safe, and accessible for anyone in Kenya. You don’t need a bank card, and your transaction is confirmed immediately.
Immediate Policy Issuance
Once payment is complete, your insurance certificate is generated instantly. You can download it immediately or have it emailed to you. This means you can attach it directly to your visa application without waiting or visiting an office.
Document Upload Made Simple
After purchase, Divani guides you to securely upload all required documents — such as your KRA PIN, ID or Passport, and, if needed, additional documents. The process is mobile-friendly, ensuring you can complete it from anywhere.
Ongoing Support
Even after your policy is issued, Divani provides local support for any questions, clarifications, or claims. You’re never left alone to figure things out — our team is there to help you before, during, and after your trip.
Compliance Guaranteed
All Schengen plans offered through Divani meet the official Schengen visa requirements, so you can apply for your visa with confidence, knowing your insurance is fully recognized and approved.
With Divani, buying Schengen travel insurance becomes quick, transparent, and stress-free, leaving you more time to focus on planning your trip and enjoying your travel experience.
Frequently Asked Questions (Extended FAQ Section)
To help you make the most informed decision when purchasing Schengen travel insurance, we’ve compiled a list of frequently asked questions. These cover everything from visa requirements to policy features, so you can travel confidently knowing exactly what your insurance provides.
1. Do I really need Schengen travel insurance to get a visa?
Yes. Schengen travel insurance is a mandatory requirement for all non-Schengen travelers applying for a visa. Without it, your application will be rejected.
2. What is the minimum coverage required for Schengen travel insurance?
The minimum medical coverage required is €30,000, which must cover emergency medical treatment, hospitalization, and repatriation. Divani’s plans exceed this requirement, ensuring full compliance.
3. Can I buy Schengen travel insurance online from Kenya?
Absolutely. Divani offers a fully digital process. You can select your plan, pay securely via Lipa na M-Pesa, upload required documents, and receive your certificate instantly.
4. Does the insurance cover COVID-19 or other pandemics?
Yes, emergency medical expenses related to illnesses, including COVID-19, are covered depending on your chosen plan. Always check your policy wording for specific details.
5. Can I insure my family members under one policy?
Yes. Divani offers family or group coverage, which is convenient and cost-effective for families traveling together.
6. How long is the insurance valid?
Your coverage should match your trip duration. For multiple trips in a year, you can choose an annual multi-trip plan that covers all your Schengen travels within 12 months.
7. What happens if my baggage is lost or delayed?
Most plans include coverage for lost, stolen, or delayed baggage and personal belongings. This ensures you’re reimbursed for essentials if your luggage is misplaced.
8. Does this insurance cover personal liability?
Yes. If you accidentally injure someone or damage property while traveling, your policy covers legal expenses and compensation claims.
9. What if my visa is denied after purchasing insurance?
Divani can assist with policy cancellation or adjustments, subject to the insurer’s refund terms. Inform us immediately after receiving your visa decision.
10. Can I get help during emergencies while abroad?
Yes. Divani’s Schengen plans include 24/7 assistance, helping with medical emergencies, lost travel documents, and other urgent needs.
11. Are students or long-term travelers covered?
Yes. Divani offers student-specific plans designed for longer stays, covering medical emergencies, evacuation, personal liability, and more throughout your academic period.
12. How quickly do I receive my insurance certificate?
Immediately after completing payment and document upload. Your certificate is emailed to you and can be downloaded for submission to the embassy.
13. Do I need additional insurance if I have medical cover in Kenya?
Yes. Local insurance usually does not cover you abroad. Schengen insurance is specifically designed to meet visa requirements and provide international coverage.
14. Is the insurance recognized by all Schengen embassies?
Yes. Policies purchased through Divani meet Schengen visa requirements and are recognized by all member states’ embassies.
15. Can I extend my coverage if my trip is longer than planned?
Yes. You can extend your insurance by contacting Divani before your original policy expires, ensuring continuous protection throughout your stay.
Final Thoughts — Get Your Schengen Travel Insurance Online Today
Traveling to Europe should be exciting, inspiring, and worry-free. Schengen travel insurance is not just a visa requirement — it’s your safety net, protecting you from unexpected medical emergencies, travel disruptions, and financial setbacks while abroad.
With Divani, securing your Schengen travel insurance is fast, simple, and fully online. From selecting the right plan to receiving your certificate instantly, the process is designed for convenience and peace of mind. Whether you’re a student, a frequent traveler, a family, or going on a solo adventure, Divani offers flexible plans that suit your travel needs.
Don’t wait until the last minute. Get your Schengen travel insurance today, meet all embassy requirements, and travel with confidence knowing that you’re fully covered. Click the button below, complete your order with Lipa na M-Pesa, and instantly receive your insurance certificate — it’s that simple.
Travel smart, travel safe, and let Divani take care of your Schengen insurance needs.