Travel Insurance for Europe from Kenya

European travel insurance can cover Schengen-area countries, non-Schengen European countries, or both. Schengen travel insurance is designed for Schengen-area destinations and may meet Schengen visa requirements. Wider European travel insurance may cover both Schengen and non-Schengen countries.

If you are visiting only Schengen countries, a Schengen-zone plan may be suitable. If your trip includes non-Schengen European countries or destinations outside Europe, you may need wider territorial cover.

Travel insurance plans are grouped by territorial zones. Common zones for European travel include:

• Schengen / Europe — covers Schengen-area and many European countries
• Worldwide excl. USA / Canada / Japan / Australia — covers Europe and most other destinations
• Worldwide — covers all destinations including high-cost countries

Not every Europe travel insurance plan covers every European country. Territorial limits vary by product and insurer. Confirm that your selected plan covers all your destinations during quotation.

Medical treatment in Europe can be expensive, particularly in high-cost countries. When comparing travel insurance for Europe, consider the medical expense limit, emergency assistance services, medical evacuation and repatriation benefits.

Higher medical limits are recommended for destinations with high healthcare costs. Confirm the specific benefits, limits and exclusions of each plan during quotation.

Travel insurance premiums for Europe depend on trip duration, traveller ages and selected options. Some plans have maximum trip duration limits, and senior travellers may be subject to age-based premium loadings.

Confirm the eligibility requirements, age limits and duration limits of each plan during quotation based on your specific trip details.

Not all plans cover every European country. Confirm territorial eligibility during quotation. Premiums are calculated in the quotation wizard based on your trip duration, traveller ages and selected options.

CoverIQ compares travel insurance options from participating insurers in three steps:

• Select your European destination and travel dates
• Enter traveller details and trip activities
• Compare available quotations from participating insurers

You can also ask a CoverIQ adviser for assistance on WhatsApp if you need help understanding the options.