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Britam

Travel Insurance

Travel cover · Regulated by the IRA

It covers you when you travel outside Kenya. It pays for hospital care, lost bags, flight delays, and emergency trips home.

Hear when this changes

What to watch out for

  • Offers four options: Gold Plan, Premium Plan, Schengen Plan, and Student Plan.
  • Covers emergency medical bills, evacuation, lost luggage, flight delays, and trip cancellations.
  • Does not serve as general health insurance and only applies to unexpected illness or accidents abroad.

The details that matter for this kind of plan

Available plans
Gold, Premium, Schengen, and Student
Emergency support
24-hour emergency medical assistance
Scope of cover
Outside home country only

What if you stop paying?

You pay once per trip. There are no ongoing fees to keep paying.

What if you need the money early?

There is no cash pot to take out. This is insurance cover, not savings.

Who this suits

It could work for you if

You are travelling outside Kenya. You want cover for hospital bills or visa rules.

Think twice if

You need regular health insurance at home or cover for past illness.

What they tell you

  • Do they say who regulates them?
    Yes — the IRA. That is who you complain to.

Talk to them

Compared with the others

There are 10 other plans of this kind on the board. See all 11 side by side — what each one leaves you with, and which of them will not say.

What the documents actually say

Every figure above was read out of a document. These are the sentences, word for word, so you can check them rather than take our word for it.

  • “It's important to note that this policy is not a general health insurance policy, but rather is intended for use by the insured in the event of sudden and unexpected sickness or accident arising when the insured are outside their home country.”
    Britam Travel Insurance Product Overviewthe company itselfread 2026-08-26
  • “We offer four different travel plans: the Gold Plan, Premium Plan, Schengen Plan, and Student Plan.”
    Britam Travel Insurance Product Overviewthe company itselfread 2026-08-26

Where we got this