Travel

Travel Insurance

Travel with complete peace of mind, anywhere in the world.

Travel Insurance

Overview

AAR Travel Insurance protects you against medical emergencies, trip disruptions and travel mishaps while you are away from home — whether you are taking a single international trip or travelling within the region. Cover is available for individuals, families and groups, and is priced around where you are going and how long you will be away.

The core of the policy is emergency medical cover abroad: hospital treatment, doctors’ fees and, where needed, emergency evacuation or repatriation back home. These are the costs that can run into millions of shillings overseas, and they are exactly what a travel policy is designed to absorb.

Beyond medical emergencies, the cover also protects your trip and belongings — trip cancellation or curtailment, lost, stolen or delayed baggage, and personal accident while travelling — all backed by 24/7 worldwide travel assistance.

If you are applying for a visa, AAR travel cover meets common embassy requirements, and AAR medical members can request an embassy-ready travel letter instantly. Get a quote online in minutes by entering your destination and travel dates, then pay securely to receive your policy.

What’s covered

Emergency medical & hospital expenses abroad
Emergency evacuation & repatriation
Trip cancellation & curtailment
Lost, stolen or delayed baggage
Personal accident while travelling
24/7 worldwide travel assistance
Single-trip cover priced to your travel dates
Embassy-ready travel letters for AAR members

Cover options

Worldwide

Our widest cover for trips anywhere in the world, including the USA and Canada, where medical costs are highest.

Worldwide (excluding USA & Canada)

Global cover at a lower premium for trips that do not include North America.

Regional plans — Africa, Europe/Schengen & Asia

Region-specific cover priced for where you are travelling. The Europe/Schengen plan is designed to meet Schengen visa insurance requirements.

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  • Regulated by the IRA
  • Secure M-Pesa & card payments
  • Instant policy documents

Frequently asked questions

Yes. The policy meets common embassy requirements, and AAR medical members can request an embassy-ready travel letter instantly to attach to a visa application.

It covers emergency medical and hospital treatment while you are travelling, including doctors’ fees, inpatient care and, where medically necessary, emergency evacuation or repatriation home. These overseas costs can be extremely high, which is why they are the core of the cover.

You can buy cover for a single trip based on your travel dates. Premiums are calculated from the region you are travelling to and the length of your trip.

Yes. As well as medical emergencies, the policy covers trip cancellation or curtailment for insured reasons, and lost, stolen or delayed baggage, subject to the policy limits and terms.

Individuals, families and groups can be covered. You add each traveller during the quote and the premium adjusts accordingly.

Your premium is based on the region you are travelling to and the length of your trip, plus the number of travellers. You see the exact price instantly when you enter your destination and dates in the quote.

Enter your destination and travel dates, add each traveller, choose your plan and pay securely online. Your policy documents are then issued to your email.

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