The Ultimate Guide to Travel Insurance for Kenyan Travellers (Schengen, Worldwide, Student, Inbound & Domestic)

Whether you’re planning a quick getaway to the Coast, a semester abroad, or a long-awaited trip to Europe, travel is one of life’s greatest joys. But as every seasoned traveller knows, things don’t always go as planned. A missed flight, lost luggage, or unexpected illness can turn your dream trip into a stressful experience. That’s where travel insurance comes in — not as a luxury, but as a smart layer of protection that gives you peace of mind wherever you go.

For Kenyan travellers, travel insurance has become more than just a visa requirement; it’s a way to travel with confidence knowing that help is available when you need it most. Whether you’re visiting family overseas, heading to school abroad, exploring the world for business, or hosting visitors coming into Kenya, there’s a travel insurance plan tailored for you.

In this ultimate guide, we’ll walk you through everything you need to know — from the different types of travel insurance available in Kenya (like Schengen, Worldwide, Student, Inbound, and Domestic) to how each one works, what’s covered, and how to choose the right plan for your journey.

Let’s begin by understanding what travel insurance really is and why every traveller from Kenya should consider getting one before their next trip.

What Exactly Is Travel Insurance?

Travel insurance is a safety net designed to protect you financially when unexpected events disrupt your trip. It’s a cover that steps in when things go wrong — whether it’s a cancelled flight, lost baggage, or a sudden illness in a foreign country.

Think of it as your travel companion that quietly works in the background to make sure you don’t have to bear heavy losses when the unexpected happens. For Kenyan travellers, travel insurance is especially useful because it provides access to emergency medical care abroad, support in case of lost passports or documents, and even assistance if your flight is delayed or cancelled.

At its core, travel insurance is about peace of mind. You pay a small premium before your trip, and in return, you’re covered for various risks that could cost you much more if they occur during your journey.

Here are a few common situations where travel insurance proves its worth:

• Medical emergencies abroad: You fall sick or get injured while travelling, and your medical bills are covered by your insurer.
• Trip cancellations or delays: If your trip is cancelled or delayed for valid reasons (like illness or airline strikes), you can get compensated for non-refundable costs.
• Lost luggage or documents: Your luggage doesn’t arrive, or your passport gets lost — the insurer helps you recover costs or assists with replacements.
• Personal liability: If you accidentally cause damage or injury to someone while travelling, your policy can help cover the costs.

In short, travel insurance ensures that one incident doesn’t ruin your entire experience or drain your savings. It’s not just about protection — it’s about travelling smart.

Why Travel Insurance Is Essential for Kenyans

Many Kenyan travellers still see travel insurance as an optional extra — something nice to have, but not really necessary. Yet the reality is quite the opposite. Travel insurance is one of the smartest investments you can make before leaving the country, whether you’re heading to Dubai for a short holiday, Germany for studies, or Mombasa for a local getaway.

Here’s why it matters so much:

1. Medical Emergencies Can Be Very Expensive Abroad

If you fall ill or get injured while travelling, medical treatment in countries like the UAE, the UK, or any Schengen nation can cost hundreds of thousands of shillings — even for something as simple as a doctor’s visit or X-ray. Without insurance, you would have to pay those bills yourself, often before being treated.
With travel insurance, your medical expenses are covered up to the policy limit, giving you access to quality healthcare without financial stress.

2. It’s a Mandatory Requirement for Schengen Visas

If you’re travelling to Europe under a Schengen visa, you must have travel insurance. It’s part of the visa requirements and must cover at least €30,000 in medical expenses. Without it, your visa application will be rejected. Having a valid travel policy also makes the visa process smoother and faster.

3. Flight Cancellations and Delays Are Common

Airlines cancel or delay flights more often than most people think — bad weather, technical issues, or even strikes can cause major disruptions. Travel insurance helps you recover the costs of missed connections, hotel stays, or rebooking fees, so you don’t lose money over something beyond your control.

4. Protection Against Lost Luggage or Documents

Imagine arriving at your destination only to find your suitcase hasn’t. Or worse — your passport goes missing. Travel insurance covers lost, stolen, or delayed luggage and assists you in replacing important documents, ensuring your trip continues smoothly.

5. Peace of Mind for Parents and Students

For Kenyan students heading abroad, especially under the student travel insurance plan, having cover brings peace to both students and parents. It ensures the student can access emergency care, medical evacuation, or even family visits if hospitalized.

6. Coverage for Inbound and Domestic Travel

Travel insurance isn’t just for those leaving Kenya. Inbound cover protects visitors coming into the country, while domestic travel insurance offers peace of mind for local trips — useful for companies sending employees upcountry or families taking local holidays.

Ultimately, travel insurance helps Kenyans travel with confidence — knowing they’re protected against financial shocks, medical risks, and travel mishaps. It’s not just a formality or visa requirement; it’s a crucial part of responsible travel planning.

Types of Travel Insurance Plans Offered by Divani

Divani has partnered with trusted global insurers to make travel insurance simple, accessible, and reliable for all kinds of travellers. Whether you’re heading to Europe for business, studying abroad, visiting Kenya, or exploring locally, there’s a plan tailored to your needs. Each option comes with medical cover, personal accident benefits, baggage protection, and travel inconvenience benefits — but the level of coverage depends on your travel type. Here’s a closer look at the plans:

1. Schengen Travel Insurance

This plan is designed for Kenyans travelling to any of the Schengen countries in Europe. It meets all the Schengen visa requirements, including the mandatory minimum of €30,000 medical cover. Beyond compliance, it offers protection for medical emergencies, hospitalization, evacuation, loss of baggage, and trip delays. It’s the ideal choice for anyone applying for a Schengen visa — whether for tourism, business, or short study trips.

2. Worldwide Travel Insurance

For travellers exploring destinations beyond Europe — such as the United States, Asia, the Middle East, or Africa — Divani’s worldwide travel insurance provides extensive protection. It covers emergency medical treatment, travel interruptions, loss or delay of baggage, and even repatriation when necessary. This plan is perfect for frequent travellers, business professionals, or families planning international holidays.

3. Student Travel Insurance

Divani’s student plan is tailored for Kenyans pursuing studies abroad. It not only provides medical coverage but also includes emergency evacuation, repatriation, and a compassionate visit benefit — allowing a family member to travel if the student is hospitalized for an extended period. It’s an affordable yet comprehensive plan that gives parents and students peace of mind throughout the academic journey.

4. Inbound Travel Insurance

This plan caters to visitors coming into Kenya, whether for business, tourism, or family visits. It ensures they have medical coverage during their stay, including emergency evacuation and hospitalization. It’s a thoughtful way for hosts or travel organizers in Kenya to guarantee their guests’ safety while visiting the country.

5. Domestic Travel Insurance

Travel insurance isn’t only for international trips. Divani’s domestic cover protects travellers moving within Kenya — perfect for local tourists, field staff, or business travellers. It provides compensation for accidental injuries, medical emergencies, and even personal effects lost during the journey.

Each plan under Divani’s travel insurance portfolio is crafted to fit a different need, ensuring that every traveller — whether outbound, inbound, student, or local — can journey confidently knowing they’re covered.

Worldwide Travel — Complete Global Protection

For Kenyan travellers heading beyond Africa or Europe, Divani’s Worldwide Travel Insurance offers complete protection wherever your journey takes you. Whether it’s a business conference in the United States, a family vacation in Thailand, or a medical trip to India, this plan ensures you’re protected from the unexpected — no matter how far from home you go.

Traveling abroad can expose you to challenges that are both unpredictable and costly. With Divani’s worldwide plan, you get access to 24-hour assistance, quality healthcare abroad, and compensation for travel interruptions. It’s designed to give you peace of mind in every stage of your journey.

1. Medical and Emergency Assistance

If you fall ill or suffer an accident while overseas, the policy covers medical expenses, hospitalization, and even medical evacuation when needed. It also provides repatriation to Kenya if you must return home for further treatment. This level of care ensures you get prompt and professional medical attention, even in countries where healthcare costs can be overwhelming.

2. Trip Cancellations and Interruptions

Life happens — sometimes your trip needs to be canceled or cut short due to illness, emergencies, or unforeseen events. Divani’s worldwide plan helps recover the financial loss from prepaid flight tickets, accommodation, and tour bookings, allowing you to reschedule or cancel without losing everything you’ve invested.

3. Lost or Delayed Baggage

It’s frustrating when your luggage doesn’t arrive with you. The worldwide cover compensates for lost, stolen, or delayed baggage and assists you with emergency essentials while waiting for your items to be recovered.

4. Personal Accident and Liability Cover

In addition to medical benefits, this plan includes personal accident compensation for injury or disability sustained during your trip. It also extends liability protection — a vital safeguard if you accidentally cause injury to another person or damage property abroad.

5. Travel Delay Benefits

When your flight is delayed for several hours, travel insurance cushions you from inconvenience by covering additional accommodation or meal expenses.

6. Family and Business-Friendly Options

The plan works equally well for both family vacations and business trips. Families can travel knowing everyone is protected, while professionals can attend international meetings without worrying about medical or logistical setbacks.

In short, Divani’s worldwide travel insurance ensures you’re never stranded, unprotected, or out of options. It’s comprehensive global protection made simple and accessible — ideal for Kenyans who travel frequently or plan major international trips.

Schengen Travel — Your Visa-Ready Insurance

For Kenyans travelling to Europe, Schengen travel insurance isn’t just important — it’s required. Every Schengen visa applicant must show proof of valid travel insurance before their application can be approved. But beyond meeting visa rules, Divani’s Schengen plan is built to give you real protection and peace of mind while exploring Europe.

Whether you’re touring France, attending a business event in Germany, or visiting family in Italy, this cover ensures you’re well prepared for any medical or travel-related emergency that could arise.

1. Fully Compliant with Schengen Visa Requirements

The Schengen plan meets all the conditions set by European embassies, including the mandatory minimum of €30,000 in medical coverage. This means you can submit your policy confidently knowing it meets the standards accepted across all Schengen member countries.

2. Emergency Medical and Hospitalization Cover

If you get sick or injured during your stay in Europe, the policy covers medical treatment, hospitalization, and even medical evacuation when necessary. Healthcare in Europe can be expensive — and without insurance, even a short hospital stay can drain your savings. Divani’s Schengen plan takes that worry off your mind.

3. Lost Passport and Travel Documents Assistance

Losing your passport abroad can be stressful. This plan helps you recover or replace lost travel documents and provides guidance on how to reach your local embassy quickly.

4. Baggage Loss or Delay

If your luggage is lost or delayed, you’ll receive compensation for your belongings and for essentials you may need while waiting. This ensures that even if things go wrong, your trip can go on smoothly.

5. Trip Delays and Cancellations

Airlines can delay or cancel flights without notice, but the Schengen cover ensures you’re not left stranded. It reimburses you for extra accommodation or meals when travel interruptions occur.

6. Personal Accident and Repatriation Benefits

The policy includes compensation in case of accidental injury or death while travelling, and covers repatriation to Kenya if necessary. These benefits bring an added sense of security to both you and your loved ones.

7. Ideal for All Types of Travellers

The Schengen travel plan suits tourists, business travellers, and short-term students alike. It’s flexible, affordable, and approved across all European embassies, making it the simplest path to securing your visa and travelling with confidence.

In essence, Divani’s Schengen travel insurance isn’t just about getting your visa — it’s about travelling through Europe with protection that truly matters. It combines compliance, convenience, and care, ensuring that you enjoy your trip without worrying about the unexpected.

Read Next: Schengen Travel Insurance from Kenya — Everything You Need to Know

Student Travel — Protection for Kenyan Students Studying Abroad

Studying abroad is one of the most exciting experiences in a young person’s life. Whether you’re heading to the UK, the US, Canada, Australia, or any other country for your studies, having reliable travel insurance ensures that your dreams are not derailed by unexpected medical or travel issues.

Divani’s Student Travel Insurance is specially designed for Kenyan students studying overseas — providing comprehensive protection from the moment you leave home to the time you return. It goes beyond just medical cover; it safeguards your wellbeing, your finances, and even your family’s peace of mind.

1. Medical and Hospitalization Cover

Falling sick or getting injured in a foreign country can be both stressful and expensive. This plan covers medical treatment, hospitalization, and emergency care, allowing students to access quality healthcare abroad without worrying about the cost.

2. Medical Evacuation and Repatriation

In case of a severe medical emergency, the plan takes care of evacuation to a suitable hospital or repatriation back to Kenya if needed. Parents and guardians can rest assured that their child’s wellbeing is fully protected.

3. Personal Accident Protection

Accidents can happen anywhere — on campus, during travel, or even while exploring the new city. The student plan provides financial compensation in case of accidental injury or disability.

4. Baggage and Personal Effects Cover

Losing your luggage while travelling to or from school can be a nightmare. The student cover provides compensation for lost baggage and essential items, ensuring you can replace your belongings quickly.

5. Protection Against Travel Interruptions

Sometimes, unforeseen events such as illness, family emergencies, or airline disruptions can force you to cut your trip short or delay your return. The student travel plan offers reimbursement for such interruptions, helping you recover financially from unexpected changes.

6. Simple and Affordable for Students

Divani understands that students often have tight budgets, which is why this plan is priced fairly while maintaining robust protection. It’s ideal for university or college students enrolling in short or long-term courses abroad.

7. Support When You Need It Most

The plan includes 24/7 assistance services — from connecting you to doctors or hospitals abroad to guiding you through lost passport recovery. You’re never alone, no matter where your studies take you.

In summary, Divani’s Student Travel Insurance gives Kenyan students the freedom to focus on their education and personal growth without worrying about the “what ifs.” It’s peace of mind for both the student and their family, ensuring that help is always available — anywhere in the world.

Inbound Travel — Cover for Visitors Coming to Kenya

Kenya welcomes visitors from all over the world — from tourists coming to experience the Maasai Mara, to business travellers attending conferences in Nairobi, and families visiting loved ones. But just like Kenyans travelling abroad need protection, so do visitors entering the country.

Divani’s Inbound Travel Insurance is designed specifically for non-residents travelling to Kenya, offering medical and travel-related protection during their stay. It ensures that visitors can enjoy their time here with peace of mind, knowing they are covered for unexpected events.

1. Medical and Hospitalization Cover

If a visitor falls ill or gets injured while in Kenya, this plan covers medical expenses, including hospital stays and necessary treatments. Healthcare costs for foreigners can be high, and this protection ensures that such expenses don’t disrupt their trip.

2. Emergency Evacuation and Repatriation

In the rare event of a serious medical emergency, the plan covers medical evacuation to a suitable facility or even repatriation to their home country when required. This ensures that visitors are never stranded in a crisis.

3. Hospital Cash and Daily Allowance

When hospitalization is required, the plan provides a daily allowance to help cover incidental expenses during the hospital stay. It’s a practical feature that provides added comfort during difficult times.

4. Baggage Loss or Delay

Travelling can sometimes involve misplaced or delayed luggage. The inbound cover compensates for lost baggage or essentials that visitors may need while waiting for their belongings.

5. Personal Accident Protection

Accidents can happen even on a relaxing trip. The policy provides financial compensation in the event of accidental injury or death, giving the visitor and their loved ones assurance and support.

6. Legal and Assistance Services

Visitors are supported with emergency assistance — including help with lost documents, legal guidance in case of an incident, or even relaying urgent messages. This round-the-clock support makes a big difference when navigating an unfamiliar country.

7. Ideal for All Types of Visitors

The Inbound Travel plan suits a wide range of travellers — tourists, expatriates on short assignments, volunteers, and even family members visiting Kenya. Whether the stay is for a few days or several months, the plan provides reliable and flexible coverage.

With Divani’s Inbound Travel Insurance, visitors can focus on enjoying Kenya’s beauty and culture — from the beaches of Diani to the savannahs of Amboseli — without worrying about the “what ifs.” It’s a thoughtful cover that ensures every guest feels safe, welcome, and protected while in the country.

Domestic Travel — Cover for Trips Within Kenya

Travel insurance isn’t just for international journeys. Even short trips within Kenya — whether for business, family visits, or weekend getaways — come with unexpected risks. Divani’s Domestic Travel Insurance ensures that Kenyan travellers are protected from accidents, medical emergencies, and travel interruptions while moving around the country.

1. Medical and Hospitalization Coverage

Accidents can happen anywhere — on the road, at a resort, or during an outdoor activity. This plan covers medical expenses for injuries or sudden illness, ensuring you receive proper treatment without worrying about high costs.

2. Hospital Cash Benefits

If hospitalization is required, the plan provides a daily allowance to help with incidental costs such as meals or transport. This small but important benefit reduces financial strain during recovery.

3. Baggage and Personal Effects Protection

Losing personal belongings while travelling domestically can be frustrating. The policy covers loss, theft, or damage to luggage and personal items, helping you replace essential items quickly and continue your journey without disruption.

4. Trip Delays and Travel Disruption

Unexpected events such as road accidents, severe weather, or vehicle breakdowns can delay travel. Divani’s domestic plan provides compensation for certain delays, giving you peace of mind even when your schedule is disrupted.

5. Personal Accident Protection

In case of accidental injury or death during travel within Kenya, the policy offers financial support, ensuring that both you and your family are protected.

6. Convenience and Affordability

Domestic travel insurance is simple to purchase and tailored for short-term trips. Whether you’re heading to Mombasa, Kisumu, or any other part of Kenya, the coverage is quick to activate and easy on the budget.

7. Suitable for All Travellers

The plan works for individuals, families, and even corporate employees travelling for business purposes. It’s a versatile cover that ensures protection is never far from reach, no matter where your journey takes you in Kenya.

With Divani’s Domestic Travel Insurance, even local trips become worry-free. You can focus on enjoying your time, whether it’s a weekend escape, a family visit, or a business assignment, knowing that help is just a call away.

What Travel Insurance Typically Covers

Travel insurance goes far beyond just meeting visa requirements or covering medical bills. Each plan offered by Divani is designed to address the common risks travellers face — both internationally and locally. Here’s a closer look at the typical coverage you can expect:

Emergency Medical and Related Expenses

This is the core of any travel insurance plan. It covers medical treatment for illnesses or injuries during travel, including hospitalization, specialist consultations, and follow-up care. Some plans also include dental and optical treatment in emergencies. For travellers abroad, this cover often includes medical evacuation or repatriation to Kenya if required.

Trip Cancellation and Curtailment

Life can be unpredictable. Travel insurance reimburses non-refundable expenses if your trip is cancelled or cut short due to illness, family emergencies, or unforeseen events like natural disasters. It also covers early return home if a family emergency arises.

Baggage, Personal Effects, and Travel Documents

Lost, stolen, or delayed baggage can disrupt your journey. Travel insurance provides compensation for personal items, essential purchases, and sometimes covers replacement of lost passports or travel documents.

Travel Delays and Missed Connections

Flights can be delayed, missed, or cancelled, causing both inconvenience and unexpected expenses. Policies provide coverage for additional accommodation, meals, and transportation while waiting for alternative arrangements.

Personal Accident and Liability

Accidents can happen anywhere. Travel insurance offers financial protection in case of accidental death or permanent disability during the trip. It also provides personal liability cover if you unintentionally cause injury to others or damage property while travelling.

Assistance Services

Most plans include 24/7 assistance services. This can range from relaying urgent messages to helping with legal issues, arranging emergency accommodation, or coordinating medical care abroad.

Additional or Optional Covers

Some plans include special benefits like coverage for hijacking, terrorism, or passive war risks. Depending on your plan, these additional covers provide an extra layer of protection for high-risk situations.

In short, travel insurance ensures that unexpected events — whether medical, logistical, or accidental — do not ruin your trip or create financial hardship. It’s about traveling with confidence, knowing that support is available whenever you need it.

What’s Not Covered (Common Exclusions to Know)

While travel insurance provides extensive protection, it’s important to understand that not every situation is covered. Being aware of common exclusions helps prevent surprises and ensures you make informed decisions when purchasing a policy.

Pre-existing Medical Conditions

Most travel insurance plans do not cover illnesses or conditions you had before purchasing the policy. If you have a chronic illness or an ongoing medical condition, it’s important to declare it upfront, as failing to do so can lead to denied claims.

High-Risk Activities

Certain activities considered high-risk, such as extreme sports (skydiving, bungee jumping, or scuba diving beyond certified limits), are often excluded unless specifically added to your policy. If you plan to engage in such activities, check for optional adventure cover.

Travel Without Proper Documentation

Claims arising from travelling without valid visas, passports, or other required documentation are typically not covered. For Schengen and international travel, having compliant travel documents is crucial.

Alcohol or Drug-Related Incidents

Injuries or accidents resulting from intoxication or illegal drug use are generally excluded. Travel insurance protects you during normal travel conditions, not risky behavior.

War, Terrorism, or Civil Unrest

While some plans may provide limited coverage for passive war or terrorism, damages or incidents caused by active war zones, riots, or political unrest are often excluded unless explicitly included.

Unattended Losses

Loss or theft of baggage or personal items may not be covered if the items were left unattended or not properly secured. Always follow safety guidelines to ensure protection applies.

Non-Emergency Medical Treatments

Cosmetic procedures, elective treatments, routine check-ups, and preventative care are not covered. Travel insurance focuses on emergencies that arise unexpectedly during your trip.

Travel for Medical Treatment

Trips taken specifically for seeking medical treatment are usually excluded from coverage. Insurance is designed to protect you during travel, not fund planned medical procedures abroad.

Understanding these exclusions ensures that you have realistic expectations of your policy and can plan accordingly. Always read the policy details carefully, ask questions when in doubt, and choose the coverage that best matches your travel needs.

How to Choose the Right Cover for Your Trip

Selecting the right travel insurance plan may seem overwhelming, but it becomes simple once you focus on your specific needs, destination, and type of travel. Divani offers a range of plans, each tailored to different travellers, so the key is matching the right cover to your journey.

Consider Your Destination

Where you’re going determines the type of cover you need. If you’re travelling to Europe, a Schengen plan is mandatory and ensures you meet visa requirements. For trips outside Europe, Worldwide travel insurance provides broader coverage for international emergencies, while domestic trips within Kenya are best protected by a Domestic plan.

Assess the Purpose of Your Trip

Business travellers, students, tourists, and family visitors have different priorities. Students may need medical evacuation and family visit benefits, business travellers might prioritize liability and delays, while tourists may focus on baggage and trip cancellations. Matching the plan to the purpose ensures you’re not paying for unnecessary extras.

Look at Medical and Emergency Coverage

Check how much medical coverage the policy provides and whether it includes hospitalization, evacuation, and repatriation. High medical coverage is crucial if travelling abroad, where healthcare costs can be high.

Evaluate Trip Disruption Protections

Consider whether the plan covers trip cancellations, curtailment, or delays. These benefits are valuable for protecting your prepaid flights, accommodations, and tours against unforeseen changes.

Consider Personal Belongings and Travel Documents

If you’re carrying expensive gadgets, luggage, or travel documents, ensure the policy includes adequate coverage for loss, theft, or delay. Some plans also provide assistance with replacing lost passports.

Check for Optional Add-Ons

Some plans allow extra coverage for adventure activities, terrorism, or higher personal liability limits. Think about your travel plans and lifestyle when selecting add-ons.

Review Exclusions Carefully

Understanding what’s not covered is just as important as knowing what is. Check for exclusions related to pre-existing conditions, extreme sports, alcohol or drug-related incidents, and war or civil unrest.

Compare Affordability and Value

Finally, balance cost with the level of protection offered. While a cheaper plan may save money upfront, it could leave you exposed during emergencies. Opt for a plan that provides robust coverage and peace of mind without unnecessary gaps.

How to Buy Travel Insurance Online with Divani

Purchasing travel insurance with Divani is designed to be simple, fast, and fully online, so you can get covered without leaving the comfort of your home. The process is straightforward and only takes a few minutes.

1. Select Your Travel Insurance Plan

Start by choosing the plan that suits your trip. Whether you need Worldwide, Schengen, Student, Inbound, or Domestic cover, Divani provides clear descriptions to help you pick the right option.

2. Fill in Your Trip Details

Provide key information about your trip, such as departure and return dates, destinations, and the number of travellers. Accurate details ensure the coverage matches your journey.

3. Provide Personal Information

You’ll be asked for personal details like your full name, date of birth, and contact information. For Schengen and international plans, your passport number may also be required.

4. Make Secure Payment

Divani supports Lipa na M-Pesa for quick and secure payment. Once your payment is confirmed, your policy will be processed immediately.

5. Upload Required Documents

After payment, you will be redirected to upload any necessary documents. This may include your KRA PIN, ID/Passport, or logbook for motor insurance. For Schengen or student plans, your passport and visa details will be required.

6. Receive Your Policy Instantly

Once your documents are verified, your travel insurance policy is issued and sent to your email. You can print it, save a digital copy on your phone, or show it when requested at borders or embassies.

7. Easy Assistance Anytime

If you have questions or need help at any point, Divani’s customer support is available to guide you through the process, ensuring a smooth and stress-free purchase.

With Divani, buying travel insurance is as simple as booking a flight online. You get fast, reliable coverage that protects you from unexpected events — all without leaving your home.

How to Make a Claim (Step-by-Step)

Filing a travel insurance claim doesn’t have to be complicated. Divani has partnered with experienced insurers to make the claims process as smooth and straightforward as possible, ensuring you can focus on getting help rather than navigating paperwork. Here’s how it works:

1. Notify the Insurer Immediately

If an incident occurs — whether it’s a medical emergency, lost baggage, or trip disruption — contact the insurer or Divani’s customer support as soon as possible. Early notification helps ensure your claim is processed quickly and accurately.

2. Gather Supporting Documents

Depending on the type of claim, you’ll need supporting documentation. This may include:

• Medical reports or hospital bills for health-related claims
• Police reports for theft or loss of property
• Flight tickets, booking confirmations, and receipts for trip cancellation or delay claims
• Photographs or evidence of damaged items

3. Complete the Claim Form

You will need to fill out a claim form provided by Divani or the insurance provider. Be accurate and provide as much detail as possible to avoid delays.

4. Submit the Claim

Upload your completed claim form along with all supporting documents. Divani allows you to submit claims digitally, which makes the process faster and more convenient.

5. Track Your Claim

Once submitted, you can track the status of your claim online. Divani and the insurer will review your submission, verify documents, and communicate any additional requirements.

6. Receive Payment

After the claim is approved, the insurer will release the payment according to your policy terms. Depending on the nature of the claim, payment can cover medical expenses, trip costs, baggage loss, or other eligible claims.

7. Assistance Throughout the Process

Divani provides support at every step of the claims journey. If you’re unsure about documentation or need guidance during emergencies, their team is available to assist, ensuring your claim is handled efficiently.

Tips to Get the Most Out of Your Travel Cover

Having travel insurance is essential, but understanding how to use it effectively ensures you maximize its benefits. Here are practical tips for making the most of your Divani travel insurance:

1. Read Your Policy Carefully

Before travelling, take the time to read your policy documents. Understand what is covered, the exclusions, and any limits. Being informed helps you avoid surprises and ensures you know exactly when and how to use your coverage.

2. Keep Emergency Contacts Handy

Save the insurer’s 24/7 emergency contact numbers on your phone and carry a printed copy. This ensures you can reach assistance quickly in case of medical emergencies, travel disruptions, or lost documents.

3. Report Incidents Immediately

Whether it’s a medical issue, lost baggage, or a trip delay, notify your insurer as soon as possible. Prompt reporting often makes claims faster and easier to process.

4. Keep Receipts and Documentation

Always keep receipts, invoices, or official reports related to any expenses you plan to claim. This documentation is essential for smooth claims processing and ensures you receive the full benefit of your policy.

5. Understand Optional Add-Ons

Some travel plans allow additional coverage for high-risk activities, valuables, or higher liability. Consider adding these if they match your travel plans to enhance your protection.

6. Be Honest About Pre-Existing Conditions

Declare any pre-existing medical conditions when purchasing your policy. This ensures your claim won’t be denied later and that you have coverage tailored to your needs.

7. Use Assistance Services

Your plan includes 24/7 assistance services — don’t hesitate to use them. Whether it’s finding a nearby hospital, arranging transport, or helping with legal matters, these services are part of your cover and can save time, money, and stress.

8. Review Your Cover Period

Ensure your policy covers the entire duration of your trip, including travel to and from your destination. Gaps in coverage could leave you unprotected at critical times.

Frequently Asked Questions (FAQ)

1. What is travel insurance, and do I really need it?

Travel insurance provides financial protection against unexpected events like medical emergencies, trip cancellations, lost baggage, or travel delays. It is highly recommended for all travellers, both domestic and international, to avoid costly surprises.

2. Which travel insurance plan should I choose for Europe?

For Europe, the Schengen Travel Insurance plan is required for visa applications. It also ensures coverage for medical emergencies, lost documents, and trip interruptions while travelling within Schengen countries.

3. Does travel insurance cover pre-existing medical conditions?

Most travel insurance plans do not cover pre-existing medical conditions unless explicitly declared and approved. Always read the policy and disclose any prior conditions to avoid claim denial.

4. Can I get travel insurance for a short domestic trip within Kenya?

Yes, Divani offers Domestic Travel Insurance for trips within Kenya, covering accidents, medical emergencies, baggage loss, and travel delays for short or long trips.

5. How do I make a claim if something goes wrong during my trip?

Notify the insurer immediately, gather supporting documents (receipts, medical reports, police reports if applicable), complete the claim form, and submit it online. Divani also provides guidance to ensure your claim is processed smoothly.

6. Does travel insurance cover lost or delayed baggage?

Yes, most plans include coverage for lost, stolen, or delayed baggage. Some plans also provide compensation for essential items you need while waiting for your luggage.

7. What if my flight is delayed or cancelled?

Travel insurance can reimburse you for additional accommodation, meals, and transportation costs caused by trip delays or cancellations, depending on your plan.

8. Can students studying abroad get travel insurance?

Yes, Divani’s Student Travel Insurance is specifically designed for Kenyan students studying overseas. It covers medical emergencies, personal accidents, trip interruptions, and provides 24/7 assistance.

9. Is travel insurance required for visitors coming to Kenya?

While not mandatory for all visitors, Inbound Travel Insurance is highly recommended. It provides medical, travel, and personal protection for foreign visitors while in Kenya.

10. How long does it take to purchase travel insurance online?

Buying travel insurance with Divani is quick and easy. You can select a plan, fill in your trip and personal details, make payment via Lipa na M-Pesa, upload required documents, and receive your policy instantly.

11. Are high-risk activities like scuba diving or bungee jumping covered?

These activities are usually not covered unless you purchase an optional add-on for adventure or extreme sports. Always check your policy if you plan to engage in such activities.

12. Can I extend my travel insurance if my trip is prolonged?

Yes, many plans allow for extensions. Contact Divani before your current coverage expires to ensure continuous protection throughout your trip.

13. What documents do I need for Schengen travel insurance?

You will need a valid passport, visa application details, and proof of travel dates. Some plans may also require additional information depending on your chosen coverage.

14. Does travel insurance cover accidents caused by alcohol or drugs?

No, incidents resulting from intoxication or illegal drug use are typically excluded from coverage. Travel insurance is meant to protect you during normal travel conditions.

15. How can I contact assistance services during my trip?

Your policy includes 24/7 emergency assistance. Keep the insurer’s contact numbers handy, and you can reach out for medical help, legal guidance, lost document recovery, or any urgent travel support.

Conclusion: Travel Smart — Protect Every Trip with Divani

Travel brings adventure, new experiences, and unforgettable memories — but it can also come with unexpected challenges. From medical emergencies and lost baggage to trip cancellations or travel delays, the risks are real. That’s why having reliable travel insurance is essential.

With Divani, Kenyan travellers have access to a wide range of tailored plans — Worldwide, Schengen, Student, Inbound, and Domestic — each designed to provide peace of mind no matter where your journey takes you. Coverage includes medical emergencies, personal accidents, baggage protection, trip disruption support, and 24/7 assistance services, ensuring that help is always just a call away.

Buying travel insurance is fast, simple, and fully online. With secure payment through Lipa na M-Pesa and instant issuance of your policy, you can focus on planning your trip rather than worrying about what could go wrong.

Protect every trip, travel smart, and enjoy your journey with confidence. With Divani’s travel insurance, you’re covered — wherever life takes you.