Britam Travel Insurance is designed to protect travellers against unexpected events that may occur before or during a trip. It provides 24-hour worldwide support, medical emergency assistance, travel inconvenience benefits and personal accident cover. It is suitable for business travellers, students, families, groups and tourists travelling into or out of Kenya.
This guide explains the benefits, exclusions, emergency procedures, available plans and premium rates.
Overview of Britam Travel Insurance
Britam is a diversified financial services group listed on the Nairobi Securities Exchange. The company operates across Eastern Africa and offers insurance, asset management, banking and property solutions.
The travel insurance policy protects travellers from losses arising from accidents, sudden illness, travel delays, loss of baggage, loss of passports and other travel-related risks.
What Travel Insurance Covers
Travel insurance provides financial protection and emergency assistance during a trip. Coverage includes:
- Emergency medical expenses
- Personal accident cover (death and permanent total disability)
- Baggage loss and personal effects
- Personal liability
- Repatriation of mortal remains
- Loss of passport
- Hijack allowance
- Cancellation and curtailment
- Travel delay
- Optional war and terrorism cover
- Optional COVID-19 extension
The policy offers 24-hour medical assistance through Specialty Assistance.
Important Rules You Must Know
1. Nature of Coverage
The policy does not act as general health insurance. It covers sudden and unexpected illness or accidental injury occurring outside the traveller’s home country.
2. Pre-Existing Conditions
Pre-existing medical conditions are excluded.
3. General Health Exclusions
You are not covered if you:
- Travel against medical advice
- Are awaiting medical test results or are on a waiting list
- Travel specifically to obtain treatment
- Have received a terminal medical prognosis
What to Do in an Emergency
Travel insurance requires immediate reporting of serious incidents.
You MUST call Specialty Assistance if any of the following happen:
- Medical expenses exceed USD 500
- Hospital admission
- Accident involving injury
- Death of the insured traveller
Specialty Assistance (24/7 Worldwide)
Tel: +44 (0)20 7902 7405
Fax: +44 (0)20 7928 4748
Email: assistance@specialty-group.com
Failure to contact Specialty Assistance may result in denial of claims.
How to Make a Claim (Non-Emergency)
For non-emergency situations, complete a claim form within 31 days after returning home.
Attach:
- Invoices
- Travel documents
- Proof of ownership for belongings
- Any other relevant evidence
Submit the documents to Britam.
Britam Travel Insurance Plans and Benefits
Britam offers several plans tailored to different types of travellers. Below is a summary of the major plan categories.
1. Gold Plan (Outbound)
Key Benefits (USD)
- Emergency medical expenses: 200,000
- Death: 25,000
- Permanent total disability: 25,000
- Baggage and personal effects: 1,000
- Personal liability: 150,000
- Repatriation: 12,500
- Loss of passport: 100
- Hijack allowance: 100 per 12 hours up to 200
- Cancellation and curtailment: 7,500
- Travel delay: 150
- War and terrorism extension available
- COVID-19 extension available
Premiums (Up to 70 Years)
- 1–7 days: 27.00
- 8–14 days: 65.00
- 15–30 days: 127.00
- 31–60 days: 175.00
- 61–90 days: 227.00
- 91–180 days: 300.00
- Annual: 375.00
Group plan: USD 4 per day
2. Student Plan
Key Benefits (USD)
- Medical expenses: 50,000
- Death: 10,000
- PTD: 10,000
- Baggage: 1,000
- Personal liability: 100,000
- Loss of passport: 500
- Travel delay: 10 per 12 hours up to 100
- Repatriation: 5,000
- Hijack allowance: 150
- Optional war and terrorism
- Optional COVID extension
Premiums (16–45 Years)
Including USA/Canada:
- 212, 275, 360
Excluding USA/Canada:
- 255, 332, 485
Covers up to 185 days or annual option.
3. Family Plan (Outbound)
Benefits (USD)
- Medical: 100,000
- Death: 25,000
- PTD: 25,000
- Baggage: 1,000
- Personal liability: 150,000
- Repatriation: 12,500
- Loss of passport: 100
- Hijack: 50 per 12 hours up to 200
Premiums (Up to 70 Years)
- 1–7 days: 23.00
- 8–14 days: 40.00
- 15–30 days: 65.00
- 31–60 days: 85.00
- 61–90 days: 107.00
- 91–180 days: 150.00
- Annual: 275.00
Covers spouse and up to five children.
4. Premium Inbound Plan (Visitors to Kenya)
Benefits mirror the Family Plan but apply to travellers entering Kenya.
Premiums (Up to 70 Years)
- 1–7 days: 25.00
- 8–14 days: 38.00
- 15–30 days: 63.00
- 31–60 days: 81.00
- 61–90 days: 100.00
- 91–180 days: 150.00
- Annual: 275.00
Group plan: USD 3 per day
5. Schengen Plan
Benefits (USD)
- Medical: 60,000
- Death: 25,000
- PTD: 25,000
- Baggage: 1,000
- Liability: 200,000
- Passport loss: 500
- Hijack: 10 per 12 hours up to 100
Premiums
- 1–7 days: 19.00
- 8–10 days: 26.00
- 11–15 days: 35.00
- 16–21 days: 42.00
- 22–31 days: 48.00
- 32–62 days: 89.00
- 63–93 days: 136.00
- 94–185 days: 220.00
- Annual: 300.00
Group plan: USD 3 per day
6. Schengen Basic Plan
A lower-cost version with reduced benefits.
Benefits (USD)
- Medical: 60,000
- Death: 25,000
- PTD: 25,000
- Baggage: 1,000
- Repatriation: 10,000
No cover for:
- Loss of passport
- Hijack
- Cancellation
- Travel delay
7. Plan 150 (High-Value Cover)
Benefits (USD)
- Medical: 100,000
- Death: 25,000
- PTD: 25,000
- Baggage: 1,000
- Liability: 150,000
- Repatriation: 12,500
- Passport loss: 100
Premiums
- 1–7 days: 53.00
- 8–14 days: 128.00
- 15–30 days: 248.00
- 31–60 days: 345.00
- 61–90 days: 435.00
- 91–180 days: 570.00
- Annual: 721.00
Group plan: USD 3 per day
Eligibility and Age Rules
- Maximum age at expiry: 80 years
- Children under 16: 50 percent of adult rate
- Above 70 years: medical examination required
- Above 70 years: premiums charged at 200 percent of adult rate
- Group plans require at least 10 travellers
Pre-existing conditions are excluded from all plans.
