Student Travel Insurance – A Complete Guide for Kenyan Students Going Overseas
Studying abroad is one of the most exciting steps a Kenyan student can take. It opens doors to new cultures, new academic paths, and opportunities that can shape the rest of your life. But as exciting as the journey is, it also comes with real risks that many students and parents only notice once they occur. A medical emergency in a foreign country, a lost passport, a delayed flight, or a damaged laptop can quickly turn an exciting experience into a stressful and expensive one.
This is where student travel insurance becomes essential. It gives you practical protection while you’re far from home, and it gives your family reassurance that you’ll get help when something goes wrong. Many embassies and universities now require proof of travel insurance before issuing a student visa or completing enrollment. Even where it’s not required, it remains one of the smartest decisions you can make before boarding your flight.
This guide breaks down everything a Kenyan student needs to understand about travel insurance. It explains the benefits, how the cover works, the different travel options available, what documents are required, how long the cover lasts, and how to buy it easily online through Divani. The goal is to simplify the entire conversation so that you feel confident choosing the right protection before travelling.
When you prepare well, you can focus fully on your studies and enjoy the experience that awaits you, knowing that help is available if you ever need it.
Why Student Travel Insurance Matters When Studying Abroad
The reality of living far from home
Living outside Kenya, even for a short period, comes with a different set of challenges. You’re navigating a new environment, new systems, new climates, and sometimes even a new language. The support you normally rely on from family, friends, or familiar hospitals isn’t immediately available. A simple illness, a minor accident, or a lost bag becomes more complicated when you’re thousands of kilometres away. Travel insurance steps in to fill this gap, giving you access to medical assistance, emergency support, and practical help whenever you need it.
The risks students often overlook
Most students think mainly about tuition fees, accommodation, and visas, and forget that everyday risks don’t disappear once they travel. A sudden illness can lead to high medical bills abroad. A delayed flight could mean additional accommodation costs. A pickpocketing incident could leave you without your passport or essential documents. Even something as basic as dental treatment or replacing damaged glasses can cost far more overseas than back home. Student travel insurance cushions these unexpected expenses so that one incident doesn’t disrupt your studies or force you to request emergency funds from home.
Why universities and embassies insist on proper cover
Many institutions and embassies have strict insurance requirements because they understand how expensive emergencies can be. Countries such as those in the Schengen area require proof of valid travel medical insurance before issuing a visa. Many universities also require students to show active cover before registration, especially for international programmes. Insurance ensures that students do not become financially stranded, and that the local system is not burdened with unpaid bills. Having the right cover not only protects you but also keeps your visa process and school registration smooth.
What Student Travel Insurance Covers (In Simple Terms)
Student travel insurance is designed to protect you from the financial and practical problems that can arise when studying abroad. Here is a clear breakdown of what the cover includes, explained in everyday language.
Overseas Medical & Hospital Bills
Healthcare can be extremely costly in many countries. Even a basic consultation or a short stay in hospital can cost more than you expect. Student travel insurance takes care of medical expenses if you fall sick or get injured while abroad. This includes doctor visits, hospital treatment, prescribed medication, and in some cases, emergency dental treatment for injuries. It ensures you get proper care without worrying about how to pay for it.
Emergency Medical Evacuation & Repatriation
If your condition requires more advanced treatment than what’s available where you are—or if you need to be flown back home for further care—this benefit covers the cost of transportation. This includes air ambulance services, repatriation to Kenya for ongoing treatment, or the return of your remains in the unfortunate event of a fatal incident. It is one of the most important protections for anyone staying far from home.
Loss or Delay of Baggage
Traveling with essential items like clothes, electronics, school documents, and personal effects means losing your bag can disrupt your entire trip. If your baggage is delayed, the insurance can reimburse you for basic necessities you need to buy while waiting. If it is lost or stolen, you receive compensation to replace the missing items. This is especially helpful when travelling with laptops or academic materials that are crucial for your studies.
Loss of Travel Documents (Passport/Student Visa)
Replacing a passport or student visa abroad is never easy. It can take time, paperwork, and unexpected costs. Travel insurance helps you cover the expenses associated with replacing these vital documents. It also assists you with advice or referral to the nearest embassy or consulate, reducing the stress involved in the process.
Personal Accident Cover
In the event of a serious accident that leads to permanent disability or death, this benefit provides financial compensation. It is designed to cushion you and your family from the financial difficulties that might arise after a life-changing incident. While no one expects such events, having protection gives peace of mind as you pursue your academic goals abroad.
Personal Liability Abroad
Accidents can happen that involve not just you, but other people or their property. For example, if you accidentally cause injury to someone or damage their belongings, you may be held responsible. Personal liability cover protects you from having to pay these costs out of pocket. It ensures you are legally and financially protected if an incident leads to claims against you.
Trip Cancellation & Curtailment
Sometimes plans change unexpectedly. You may need to cancel your trip before departure due to illness, family emergencies, or other unforeseen circumstances. You may even need to return home earlier than planned. This benefit compensates you for prepaid expenses such as flights, accommodation, or school-related bookings that you can’t recover. It reduces the financial impact of disruptions beyond your control.
24/7 Assistance During Your Stay
Perhaps one of the most valuable features of student travel insurance is the round-the-clock support. Whether you need help finding a hospital, dealing with lost documents, arranging emergency travel, or getting general guidance in a foreign country, you have access to a dedicated assistance team. This service ensures that wherever you are, someone is ready to help you navigate emergencies or inconveniences quickly and professionally.
Choosing Between Worldwide Travel and Student Travel Cover
Choosing the right type of travel insurance is just as important as getting the insurance itself. Students have unique needs, and depending on how long you’re staying abroad and what your study plans look like, one type of cover may be more suitable than the other. Here’s how to determine what works best for your situation.
When a student-specific plan makes more sense
A student travel plan is ideal when your stay abroad is long, structured around education, and comes with responsibilities such as classes, internships, attachments, or research projects. These plans often cover extended stays and include benefits that regular travel insurance may not prioritise, such as coverage for tuition fees in case of emergencies, extended medical cover, and additional support services tailored for younger travellers.
If you’re travelling for a semester or a full academic year, or if your visa requires proof of ongoing insurance, the student-specific plan is usually the most reliable option. It ensures your protection doesn’t lapse midway and gives you peace of mind for the entire duration of your studies.
When a normal Worldwide travel policy is enough
For shorter academic-related trips, a standard Worldwide travel cover may be sufficient. This applies if you’re attending a short course, participating in a training programme, doing a brief academic exchange, or visiting a university for interviews or orientation. These policies offer strong protection for medical emergencies, lost baggage, travel delays, and document loss, which are the main risks for short-term travellers.
If your stay is only a few weeks or a couple of months and you don’t require long-term protection, the regular Worldwide travel option provides solid value at a lower cost.
Long-stay vs short-stay cover
The length of your stay is one of the biggest factors to consider. Short-stay cover works well for quick academic trips or short programmes, but it may fall short for students relocating for an entire school term or year. Long-stay student plans ensure your cover matches the duration of your visa and studies, preventing gaps in protection. This continuity is especially important because many universities and embassies require proof of insurance that lasts throughout your stay.
If you’re unsure how long you’ll be away, student policies generally offer more flexible extension options compared to standard travel insurance.
Situations where students need extra protection
Students face certain risks that ordinary travellers rarely consider. Activities like living in shared accommodation, using public transportation daily, carrying academic devices everywhere, or navigating new cities increase exposure to incidents such as theft, accidental injuries, or lost documents.
You may also need extra protection if you:
- Have a pre-existing medical condition that requires monitoring
- Are travelling to countries with high medical costs
- Will live alone or far from university support services
- Plan to engage in light adventure or school-sponsored activities
- Expect to travel frequently within your host region (for example, within Europe during school breaks)
In these situations, a student-specific travel plan provides the extended safety net that allows you to study confidently and focus on your goals.
Common Requirements From Embassies, Universities & Immigration Offices
When applying for a student visa or registering for an international programme, travel insurance is almost always part of the checklist. Different countries and institutions have their own rules, but most of them revolve around medical protection, emergency cover, and proof that you can handle unexpected situations while abroad. Understanding these requirements helps you avoid delays and ensures your application is processed smoothly.
Minimum medical limits
Most embassies expect your travel insurance to meet a minimum level of medical coverage. This is to make sure you can afford healthcare in case of sickness or injury during your stay. The exact limit varies depending on the country, but the core idea is the same: you must have enough cover to protect yourself and avoid becoming financially stranded abroad.
For example, many European countries require medical cover that can comfortably handle emergency treatment, hospitalisation, and repatriation. Even universities, especially those hosting international students, may insist on medical limits that match their local healthcare costs, which can be significantly higher than those in Kenya.
Countries with stricter rules (Schengen, UK, US, Canada, Australia, Asia)
Some destinations are more particular than others. Here are a few regions where insurance rules tend to be stricter:
Schengen countries
These are among the strictest. They require travel medical insurance with medical coverage that meets their visa standards, along with mandatory emergency evacuation and repatriation protection. Without this, a Schengen visa cannot be issued.
United Kingdom
The UK may require private medical insurance for short-term study visas, especially if you are not eligible for access to the National Health Service during your stay. For long-term studies, some students pay a health surcharge, but additional travel insurance is still strongly recommended.
United States
US universities often have their own specific insurance standards. Many require coverage that includes medical treatment, emergency evacuation, repatriation, and high medical limits because healthcare in the US is extremely expensive.
Canada
Canadian provinces have different healthcare policies. Many international students must show proof of private medical coverage before arrival or during school registration, especially in provinces where temporary visa holders are not eligible for public health insurance.
Australia
Students going to Australia may be required to show proof of Overseas Student Health Cover (OSHC), a specialised insurance designed for international students. Even then, complementary travel insurance is recommended for non-medical issues such as lost baggage or document replacement.
Asia (Japan, China, South Korea, Singapore, Malaysia)
Some Asian countries require insurance as part of visa processing, while others leave it to universities. However, most institutions strongly recommend or mandate comprehensive medical coverage due to the high cost of private healthcare and the practical challenges of navigating their systems as a foreigner.
Proof of cover and the certificate you’ll receive
Once you purchase your student travel insurance, you receive a certificate of insurance—an official document that confirms you are covered. This certificate contains the details that embassies and universities look for, such as medical limits, coverage dates, geographic region, emergency benefits, and your personal information.
You will use this certificate in several stages:
- During your visa application
- At the airport (for countries that check health cover on arrival)
- When registering at your university
- When renewing your student permit, if required
- When accessing medical services abroad
Because this document plays such a central role, having accurate and comprehensive insurance from a trusted provider makes the entire process smoother and faster.
Read Next: Schengen Travel Insurance from Kenya — Everything You Need to Know
How Much Does Student Travel Insurance Cost for Kenyan Students?
Most students (and parents) begin their search for travel insurance with one question: How much will it cost? The truth is, there isn’t a one-price-fits-all number. Student travel insurance is priced based on several factors that determine your level of risk while abroad. Understanding these factors helps you make the right choice without overpaying—or underinsuring yourself.
What Drives the Cost
1. Destination Country
Where you’re going has the biggest impact on cost. Countries with expensive healthcare systems—such as the US, Canada, UK, and parts of Europe—naturally require higher medical limits. This increases the premium. On the other hand, destinations in Asia, Eastern Europe, or South America may have more affordable medical systems, resulting in lower premiums.
2. Duration of Your Stay
A two-week visa application trip will cost less than a full academic year. Longer stays carry more risk exposure, so the price goes up as the number of days increases.
3. Type of Cover (Student vs. Worldwide Travel)
Student-specific plans often offer better value because they’re designed for long stays, studying, internships, and unpredictable student life. A standard Worldwide travel policy may cost more for extended stays because it isn’t built for months-long academic programmes.
4. Additional Cover Add-ons
Some students need extras—such as high-value gadget protection, long-stay trip curtailment, or extended medical limits. These optional benefits can increase the premium.
5. Age of the Student
Most student travel policies have favourable rates for younger travellers, but once a student goes past a certain age bracket, the cost may increase slightly.
Ways Students Can Reduce Their Premiums
You don’t need to buy the most expensive product to stay safe. Here are smart ways to reduce your premium without compromising your protection:
- Choose a student-specific plan instead of a general travel plan. These are designed for long stays and usually include academic-friendly benefits at a fair price.
- Only choose add-ons you truly need. If you’re carrying a basic laptop and phone, you may not need high-value gadget cover.
- Buy early. Purchasing cover as soon as you receive an offer letter protects you against sudden visa delays, cancellations, or emergencies before departure.
- Match your cover to your destination. There’s no need to buy a plan with high US/Canada limits if your destination is Eastern Europe.
- Opt for longer-term cover instead of renewing multiple short-term plans. Annual or semester-long plans usually offer better value per day.
Why the Cheapest Often Ends Up Costing More
It’s tempting to buy the cheapest plan online—especially when preparing for university expenses. But extremely low-cost policies usually leave out important benefits. Some exclude pre-existing conditions, emergency evacuation, trip cancellations, personal liability, or offer very low medical limits.
Cheap insurance becomes expensive when:
- You’re asked to pay thousands of dollars upfront at a foreign hospital.
- A missing benefit stops your visa from being approved.
- You cannot replace a lost passport or essential documents.
- You need emergency evacuation but your policy doesn’t cover it fully.
Investing in a reputable, comprehensive policy isn’t about spending more—it’s about avoiding financial shock when things go wrong.
What Student Travel Insurance Doesn’t Cover (Important to Know)
No matter how comprehensive a policy is, it will always have exclusions. Understanding these gaps early helps students avoid surprises when making a claim. Many claim rejections happen simply because the student didn’t know what was not covered. Here’s what you should keep in mind.
Pre-Existing Conditions
Most student travel insurance plans do not automatically cover existing medical conditions unless they’re declared and accepted by the insurer beforehand.
Examples include long-term illnesses, chronic conditions, or ongoing treatments.
This doesn’t mean students with such conditions can’t travel—it just means they must disclose everything upfront. If a condition is hidden and later causes complications abroad, the insurer may decline the claim. Being transparent is always the safer route.
High-Risk Activities Unless Declared
Standard student travel insurance covers normal day-to-day life, school activities, internships, and general travel. However, activities considered high-risk often require additional cover.
These include:
- Adventure sports
- Skiing or snowboarding
- Scuba diving
- Mountain hiking beyond certain altitudes
- Motorcycling
- Volunteer work in hazardous environments
If a student participates in these without the proper add-on, any related injury may not be covered. When in doubt, ask before buying the policy.
Travelling Without Proper Documentation
Insurance won’t pay for issues that arise because a student travelled with:
- An expired passport
- Missing or incorrect visa
- Invalid travel documents
- Lack of proof of accommodation or sponsor letters (where required)
If immigration denies you entry due to documentation issues, the insurer isn’t liable. Students should ensure all paperwork is in order before departure.
Claim Situations That Commonly Lead to Rejection—and How to Avoid Them
A few misunderstandings tend to cause most claim problems. The good news is: they’re all avoidable with the right preparation.
1. Not keeping receipts or proof of loss
For baggage, medical treatment, or lost items, insurers require evidence.
Tip: Save receipts, boarding passes, and hospital notes.
2. Not reporting incidents to authorities
If a passport, phone, or bag goes missing, students must report it to local police or airport authorities.
Tip: Get a written report—insurers rely on it.
3. Seeking non-approved medical treatment
While emergencies are covered, some treatments require contacting the assistance line first.
Tip: Always call the 24/7 helpline unless it’s a life-threatening emergency.
4. Delays in notifying the insurer
Some students wait too long to file a claim.
Tip: Notify your insurer as soon as something happens, even if you’re unsure whether you’ll claim.
5. Claims outside policy limits
If your policy covers baggage up to a certain value, claiming beyond that amount will lead to partial or full rejection.
Tip: Know your limits and buy add-ons if needed.
Understanding what isn’t covered is just as important as knowing what is. With the right preparation, students can travel with confidence—and avoid the mistakes that often derail claims.
Documents You Need When Buying Student Travel Insurance
Buying student travel insurance is a straightforward process, but having the right documents ready helps avoid delays—especially when your visa appointment or reporting date is approaching. Here are the key documents you’ll typically need when purchasing your cover through Divani.
Passport
Your passport is the most important document because the insurance certificate is issued under the exact name and passport number that appears in it. Even if your visa is still being processed, your passport must be valid for the duration of your trip and ideally for at least six months beyond your planned return date.
Visa Type
Insurers often ask for your visa type or destination region because it determines the level of medical cover and the certificate format needed.
For instance:
- Schengen visas require specific minimum limits.
- Countries like the UK, US, Canada, and Australia require clear proof of comprehensive cover.
- Long-stay student visas may need longer policy durations.
You don’t need the actual visa sticker yet—just knowing the category or country helps issue the right plan.
University Admission or Acceptance Letter (Sometimes Required)
Not all insurers require this, but some applications—especially for long-term student travel policies—may ask for:
- An admission letter
- A proof of enrolment
- An exchange program letter
This helps confirm that the trip is genuinely for study purposes and that the correct student plan is applied.
Travel Dates
Accurate departure and return dates are essential because your insurance certificate must match your intended travel period.
This includes:
- Your expected departure date from Kenya
- The duration of your course or exchange program
- Planned breaks or return trips if any
Even if your dates may change slightly, it’s safer to insure the entire expected period to avoid gaps.
Contact Details
Basic information such as:
- Your Kenyan phone number
- Email address
- Next of kin or emergency contact
- Destination address (if known)
This ensures the insurer or assistance team can reach you quickly in case of an emergency and that your certificate is emailed promptly.
Buying Student Travel Insurance Online in Kenya (Step-by-Step with Divani)
One of the biggest advantages of using Divani is how fast and simple the entire process is. You don’t need paperwork, long forms, or back-and-forth calls. Everything happens online in a few minutes, and your certificate is issued instantly.
Here is exactly how the process works:
Step 1 – Enter Your Travel Dates
Start by selecting your departure and return dates.
These dates determine how long your cover will run and ensure your certificate reflects the exact period required for your visa or university documentation. Make sure the dates match what you intend to share with the embassy or school.
Step 2 – Choose Your Preferred Cover
Next, pick the plan that suits your destination and study needs.
You can choose:
- Schengen Travel if you’re studying in Europe
- Worldwide Travel for countries like the UK, US, Canada, Australia, the Middle East, or Asia
- Student Travel Cover for long-term academic stays
Each option caters to slightly different requirements. Divani provides a clear breakdown so you can select the best plan for your visa category and budget.
Step 3 – Make Payment via Lipa na M-Pesa or Bank Transfer
Once you’ve selected your cover, proceed to checkout.
Divani offers secure payment methods including:
- Lipa na M-Pesa
- Direct bank transfer
After payment, your order is confirmed, and you can upload any required documents so your certificate can be issued without delays.
Step 4 – Receive Your Certificate Instantly via Email
As soon as everything is in order, your travel insurance certificate is generated and sent straight to your email.
This certificate is the official proof required for:
- Visa applications
- University registration
- Immigration checks
- Airline or airport verification (in some countries)
The entire process is automated, so you get your documents quickly—even outside working hours.
Step 5 – Travel Confidently With Verified Cover
With your certificate ready, you can proceed with your plans knowing you have valid, embassy-approved cover. If anything happens abroad, you have 24/7 assistance, medical support, and financial protection throughout your study period.
Divani ensures students travel prepared, supported, and compliant with international requirements.
Tips for Kenyan Students Travelling Abroad for the First Time
Studying abroad is exciting, but it also comes with a learning curve—especially if it’s your first time leaving Kenya. Good preparation can make your transition smoother and help you stay safe. Here are practical tips every student should keep in mind.
Handling Medical Emergencies
If you fall sick or get injured abroad, don’t panic. Your travel insurance includes access to 24/7 emergency support, so you’re never on your own.
A few simple steps can make a huge difference:
- If it’s serious, go straight to the nearest hospital or call emergency services.
- Contact your insurer’s assistance line as soon as possible—they will guide you, guarantee payments where needed, and direct you to approved hospitals.
- Keep your insurance certificate and emergency hotline saved on your phone and printed in your bag.
This ensures you receive help quickly and avoid costly out-of-pocket payments.
Keeping Digital Copies of Documents
Losing your documents in a foreign country is stressful, but digital backups make everything easier. Before travelling, save copies of:
- Passport
- Visa
- University admission letter
- Travel insurance certificate
- Accommodation details
- Air ticket
Store them in secure cloud storage and send a copy to a trusted family member. If anything goes missing, you’ll have the information ready when dealing with authorities or your insurer.
What to Do If You Lose Your Passport
A lost passport is one of the most common issues students face abroad. If it happens:
- Report it immediately to the nearest police station and get a written report.
- Contact the Kenyan embassy or consulate in your host country. They will guide you on getting an emergency travel document or a replacement passport.
- Inform your insurer, especially if the loss occurred due to theft. Travel insurance helps recover some costs and gives you practical support.
The key is to act quickly. Most countries won’t allow you to move freely or re-enter without proper documentation.
Staying in Touch With Your Insurer and Embassy
Your embassy and insurer are your two biggest support systems abroad. Keep their contacts saved on your phone and email. They can help with:
- Medical emergencies
- Travel issues
- Lost documents
- Security concerns
- Unexpected changes in your travel plans
Even if you’re unsure whether something is covered, reach out—both the embassy and your insurer prefer to assist early rather than handle a bigger problem later.
Travelling for the first time can feel overwhelming, but with the right preparation and support, you’ll settle in quickly and confidently.
FAQs – Student Travel Insurance for Kenyan Students
1. What’s the difference between normal travel insurance and student travel insurance?
Student cover is designed for longer stays and includes benefits tailored to students, such as extended medical protection, emergency evacuation, and longer validity. Standard travel insurance is better suited for short trips or brief academic visits.
2. Can I buy student travel insurance if I haven’t received my visa yet?
Yes. You can purchase your insurance in advance and use the certificate when applying for your visa. This ensures your application meets embassy requirements without delays.
3. How long should my travel insurance last if I’m going for a full academic year?
Ideally, your insurance should cover the entire duration of your stay, including any breaks or travel during the semester. Some students choose annual policies or extend coverage if their stay goes beyond the original period.
4. Does student travel insurance cover part-time work abroad?
No, it generally does not cover work-related injuries unless specifically added. Student travel insurance mainly protects against personal travel emergencies, illness, and accidents.
5. What happens if I fall sick abroad and need extended treatment?
Your insurer provides guidance on the nearest approved hospital and manages payments according to your cover limits. They also coordinate ongoing care and help you navigate the local healthcare system.
6. Am I covered when travelling to multiple countries?
Yes, as long as the countries are within the geographic region specified in your policy, such as Worldwide Travel or regional student plans. Always check your certificate to confirm coverage.
7. Can I extend my cover if my semester or visa is extended?
Yes. Most student travel policies allow extensions if requested before the current policy expires, ensuring continuous protection without gaps.
8. Does student travel insurance cover pre-existing medical conditions?
Usually not, unless you declare them upfront and the insurer accepts the condition. Undisclosed conditions can lead to claim rejections.
9. How do I make a claim while abroad?
Keep all receipts and documentation, contact your insurer immediately via the 24/7 helpline, and follow the instructions on your certificate. Acting quickly improves the chances of a smooth claim process.
10. Can parents buy student travel insurance on behalf of their children?
Absolutely. Many parents purchase the policy for their students to ensure timely coverage and peace of mind before departure.
11. Do I need travel insurance if my university already has a mandatory health plan?
Yes. Most university health plans do not cover travel-related emergencies like evacuation, repatriation, lost baggage, or trip cancellation. Student travel insurance complements these plans for comprehensive protection.
12. Will my insurance cover repatriation in case of serious illness or death?
Yes. Policies include emergency medical evacuation and repatriation to ensure you can access advanced care abroad or return home safely if needed.
13. How quickly will I receive my certificate after purchase?
With Divani, your certificate is generated instantly and sent via email, ready for visa submission, university registration, or travel verification.
14. Are high-risk activities covered under student travel insurance?
Standard policies do not cover high-risk sports or adventure activities unless specifically added. Always declare planned activities to ensure coverage.
15. What should I do if I lose my passport while abroad?
Report the loss immediately to local authorities, obtain a written report, contact the Kenyan embassy or consulate, and notify your insurer for guidance on replacing documents and claiming related costs.
Conclusion & Call-to-Action
Studying abroad is an incredible opportunity, but it comes with responsibilities—especially when it comes to your safety, health, and peace of mind. Student travel insurance ensures that unexpected medical emergencies, lost baggage, travel delays, and other challenges don’t derail your academic journey. With the right coverage, you can focus on your studies, explore new experiences, and enjoy your time overseas with confidence.
At Divani, we make it simple for Kenyan students to get fast, secure, and embassy-approved travel insurance. With instant certificates, 24/7 assistance, and flexible plans tailored to your destination and study duration, you’re fully covered from the moment you leave Kenya until your return.
Take the next step: Protect yourself today. Purchase your student travel insurance through Divani and travel with confidence, knowing that help is always just a call away.