Welcome
to Kenya!
Nestled in the heart of East Africa, Kenya, is known for its breathtaking landscapes, iconic wildlife, and diverse cultures. From the sweeping savannahs of the Maasai Mara, the sun-drenched beaches of the Indian Ocean, the bustling streets of Nairobi, or hikes through the Great Rift Valley, Kenya is a destination that offers natural beauty, wildlife, and unforgettable safari experiences.
However, like with any destination, travel in Kenya comes with its share of unpredictability. Think flight delays, sudden weather shifts, or medical emergencies far from the nearest hospital. Even the most experienced travelers can be caught off guard. We have created this comprehensive guide, to walk you through every aspect of traveling to Kenya, from a health, visa and insurance perspective, and of course extremely handy tips and hacks that will help safeguard your journey every step of the way.
Kenya Visa / eTA: Do You Need a Visa to Visit Kenya?
Yes, most travelers, including U.S. citizens, need a visa or an electronic travel authorization (eTA) to enter Kenya. Starting 2024, Kenya has removed the requirement for traditional visitor visas, but instead introduced a new electronic permit, an eTA, required by most international travelers to visit Kenya.
Fortunately, the process is straightforward. You can apply online through Kenya's official eVisa portal or at a Kenyan embassy in your home country.
If you plan to stay for more than 90 days, you may be required to provide additional documentation or obtain permit extensions. ETAs will significantly reduce the planning part for a trip to Kenya, as eTAs are relatively easy to acquire. They have been introduced as a way to increase travel to Kenya for travelers across the world.
Here's a quick snapshot of visa/ETA requirements for different nationalities
| Country or Region | Visa/eTA Required? |
|---|---|
| Citizens of Burundi, DRC, Rwanda, South Sudan, Tanzania, Uganda | ❌ No visa or eTA required |
| Most other nationalities (e.g. USA, EU, India, China, Australia, other African states) | ✅ eTA required (online) |
| Nationals of Somalia or Libya | ⚠️ eTA/visa exemptions do not apply |
| Diplomatic/official passport holders (select countries) | Depends on bilateral agreements |
Once you acquire your eTA/visa for your next Kenyan adventure, the next step would be to protect your trip against trip interruptions or unexpected hindrances which may alter the course of your vacation significantly.
Is Travel Insurance Mandatory for Kenya?
While travel insurance isn't mandatory to enter Kenya, it's strongly recommended for all international travelers. Having the right coverage can help you avoid financial burden on you, in the event of medical treatment, trip disruptions, or lost luggage.
Kenya's healthcare system varies widely between urban and rural areas. In cities like Nairobi, quality medical care is generally accessible, but in more remote regions such as the National Reserves in Masai Mara, facilities are often limited or unavailable.
In remote parts of Kenya where medical facilities can be scarce and emergency services hard to access, travel insurance with comprehensive medical coverage, including emergency evacuation, is not just recommended, but essential for protecting your health and finances, and rescuing you from wildlife areas.
Kenya Travel Insurance Requirements: What Kind of Travel Insurance Should You Get for Kenya?
When traveling to Kenya, there are two primary types of insurance to consider:
1. Travel Medical Insurance
Travel medical insurance is crucial for covering emergency medical expenses that may arise during your trip. This type of insurance covers unexpected illnesses, injuries, or medical treatment needed while in Kenya. Coverage typically includes:
- Emergency Medical Expenses: Treatment for illnesses or injuries incurred during your trip.
- Hospitalization and Doctor Visits: Costs for staying in a hospital or visiting a doctor for treatment.
- Medical Evacuation: In the event of a life-threatening situation, coverage for transportation to the nearest medical facility where you can receive necessary treatment.
- Repatriation of Remains: In the unfortunate event of the death of the insured, return of the mortal remains to the home country.
2. Trip Insurance
Trip insurance protects your financial investment in your travel plans. It helps cover non-refundable costs if your trip is disrupted by unexpected events like illness, flight delays, or natural disasters. Coverage typically includes:
- Trip Cancellations: Recovering non-refundable trip costs for cancellations due to events like family emergencies or illness is covered as per the policy terms.
- Flight Delays: Reimbursement for expenses if your flight is delayed or canceled.
- Lost or Stolen Baggage: Protection against the loss or delay of baggage during your travels.
- Trip Interruptions: Coverage for unexpected interruptions, such as an injury or illness that requires you to cut your trip short.
- Cancel For Any Reason (CFAR): An add-on coverage that allows you to cancel your trip for any reason and still receive reimbursement for a portion of your non-refundable costs. Typically, CFAR covers up to 50-75% of your pre-paid, non-refundable trip costs if you need to cancel for reasons not otherwise covered by the standard policy. It's a good option if you want more flexibility.
If you're primarily concerned about medical emergencies, opt for Travel Medical Insurance. If your primary concern is protecting your trip costs, choose Trip Insurance.
How Much Does Kenyan Travel Insurance Cost?
The cost of travel insurance for Kenya depends on several factors, such as your age, the duration of your trip, the type of coverage you select, and the activities you plan to participate in.
Basic travel medical insurance for a short trip is usually the most affordable option. However, costs increase if you choose a plan with higher coverage limits, emergency medical evacuation, or coverage for high-risk activities like climbing Mount Kilimanjaro.
For trip insurance, the cost is typically calculated as a percentage of the total trip cost, often ranging between 4% and 10%. The exact rate will depend on the level of coverage you choose and the overall cost and complexity of your trip. Adding CFAR coverage will add to the total premium cost, but it offers more flexibility.
You can use our free online tool to generate custom quotes, absolutely free of cost to compare various plans and select the best coverage for your specific travel dates, destination, and individual needs.
Safaris in Kenya
One of the biggest tourist attractions of the sab-saharn regions is wildlife safaris. Going on a non-hunting Safari in Kenya feels literally like stepping into the territory of animals, where we are merely guests. To make this experience smooth, without glitches, there are a few things you must understand before booking a safari.
Though we perceive safaris as a low or no-risk activity, they are almost always considered as "guaranteed risk" activities by the insurance industry. Some insurance providers may even categorize them with 'adventure sports'.
Kenya Safari Costs & Insurance: How expensive are Safaris in Kenya
Kenya safaris vary widely in cost depending on duration, accommodation level, and itinerary. Budget safaris typically run $150–$300 per person per day, mid-range options are around $300–$600, and luxury safaris cost $600–$1,000+ per day. For example, a 25-day safari at mid-range rates (~$400/day) could total around $10,000, while a luxury safari at ~$1,000/day could reach $25,000. Ultra-luxury, customized itineraries with private guides, bush flights, and high-end lodges can push costs above $30,000 for the same duration.
Kenya Safari Insurance: A Smart Move
Depending on the cost and complexity of your safari, purchasing travel insurance can be a wise decision. While insurance providers don't offer policies specifically for safaris, a comprehensive trip insurance plan can help cover incidents that lead to trip interruptions, delays, or cancellations. Here are a few scenarios where such coverage could prove useful in recovering your safari expenses:
- Stuck in the wilderness: It's not uncommon for safari vehicles to get stuck in muddy or remote terrain, often in wildlife-heavy areas. While this may not qualify as a "medical evacuation," it can still require emergency assistance and cause serious delays. Some travel insurance plans cover such non-medical evacuations under trip interruption.
- Safari company insolvency: In rare cases, a safari operator may go out of business before your trip. If you've purchased travel insurance and the insolvency occurs at least 14 days after buying your plan, you may be covered for the loss under trip cancellation benefits, but only by a few select insurance providers.
- Logistical disruptions: If your safari vehicle breaks down, or key staff (like the guide or driver) don't show up, it can derail not just the safari but the rest of your travel itinerary. These disruptions may qualify for coverage under trip delay or interruption, depending on your plan. Please note, that a trip delay has to be longer than 6 to 8 hours, for the claim to be accepted. Please do read the fine print on the insurance documents, before filing a claim.
Here are trip insurance plans which are likely to cover Safari-related trip interruptions or delays.
Safari Safety Tips:
- Follow your guide's instructions at all times. They are trained to keep you safe around wildlife.
- Stay inside the vehicle when near animals, and never attempt to feed or provoke them.
- Be cautious of the terrain in remote safari locations, as rough roads and unexpected weather conditions can create travel hazards.
Frequently Asked Questions About Kenya Travel Insurance
Do I need health insurance to travel to Kenya?
While health insurance is not a requirement for travel to Kenya, travel medical insurance is highly recommended to cover unexpected medical expenses, especially since U.S. health plans typically don't provide coverage abroad. A Trip insurance plan is recommended if your trip includes a long safari.
What is the best travel insurance for Kenya?
The best travel insurance plan depends on your needs, trip length, and activities. Some travelers prioritize medical coverage, while others focus on trip protection for cancellations or delays. The best way to decide is to compare plans and choose one that aligns with your itinerary and risk tolerance.
Can I purchase travel insurance after arriving in Kenya?
It is best to buy your travel insurance before your departure date. Most insurance policies will not cover events that happen before the policy becomes active, so purchasing it before you leave ensures you are covered from day one.
How do I purchase travel insurance for Kenya?
You can purchase travel insurance online through a reputable travel insurance marketplace such as VisitorsCoverage, where you can compare multiple plans and buy your coverage in minutes. Always review the policy details and coverage limits carefully before buying.
Is it Safe to Travel to Kenya?
Kenya is considered safe for tourists, though, like any international destination, there are certain risks to be mindful of. Major cities like Nairobi are vibrant and bustling, but travelers should be cautious of petty crimes such as pickpocketing, especially in crowded places like markets or tourist hotspots.
In remote areas, while the wildlife and natural beauty are stunning, the lack of immediate medical facilities can pose challenges. It is important to have comprehensive travel insurance with emergency evacuation coverage if you plan to visit rural or remote areas, such as during safari tours.
Keep in mind that natural hazards like wildfires in dry seasons or flooding during the rainy season may also affect travel plans. Stay updated on local news and follow any travel advisories or weather alerts from Kenyan authorities.
What to Know Before Your Trip to Kenya
Before traveling to Kenya, here are a few key considerations to help you prepare:
- Currency: Kenya's official currency is the Kenyan Shilling (KES). It's advisable to carry both cash and cards, as smaller shops and some rural areas may not accept credit or debit cards.
- Culture: Kenya is home to diverse ethnic groups and traditions. When visiting religious sites or rural areas, dress modestly and show respect for local traditions.
- Transportation: In cities like Nairobi, taxis and ride-sharing services like Uber are widely available. In rural or safari areas, expect longer travel times and rougher roads, where 4x4 vehicles are often necessary.
Vaccinations and Health Precautions for Traveling to Kenya
Before traveling to Kenya, ensure you're up to date on key vaccinations. Travelers coming from countries with a risk of yellow fever must receive the yellow fever vaccination and carry proof of vaccination.
Other recommended vaccinations include:
- Hepatitis A & B: For food and water safety.
- Typhoid: Especially for rural areas and street food.
- Tetanus, Diphtheria, and Pertussis (Tdap): Ensure you are up to date.
- Cholera: Depending on your itinerary.
- Malaria Prevention: Recommended for rural and safari areas.
Consult with your doctor or a travel health clinic 4–6 weeks before your trip to get tailored advice.
You may also refer to CDC's health advisory for Kenya, ahead of your travel plans.
Health and Safety in Kenya
Kenya offers world-class safari adventures and breathtaking wildlife, but traveling in remote areas like the Maasai Mara comes with unique environmental and health considerations. These regions can have harsh climates, with hot daytime temperatures and cool nights, so preparation is key.
If you're visiting rural or safari areas, ensure your travel medical insurance includes emergency evacuation coverage. In the event of injury or illness, quick access to quality medical care can be limited without proper insurance support.
- Vaccinations: Don't forget to check the recommended vaccinations before embarking on a safari trip. Yellow fever is prevalent in certain areas, and you may be required to present proof of vaccination upon entry to specific regions of Kenya.
- Safari Health Considerations: Many parts of Kenya, especially safari zones, are malaria-prone. Protect yourself with anti-malarial medication, insect repellent, and mosquito nets, particularly at night.
- Sun Protection: The Kenyan climate can be hot and sunny, particularly in the coastal and safari regions. Use sunscreen, wear hats, and stay hydrated.
Road Safety in Kenya
Driving in Kenya can be an adventure of its own, especially outside major urban centers. Drive cautiously and always ensure your vehicle is suitable for off-road conditions.
- Road Conditions: Urban roads are generally paved, but rural and safari roads may be uneven, unpaved, or muddy, especially during the rainy season.
- Pedestrian Safety: In busy cities, watch out for pedestrians, especially in crowded markets and intersections. Always use crosswalks and be alert for jaywalking.
- Safari Roads: Roads in national parks like the Maasai Mara are often unpaved and can become difficult to navigate after rain. It's best to travel with an experienced driver or guide when venturing into remote areas.
Wildlife and Nature in Kenya
Kenya is world-famous for its wildlife and natural beauty, and the Maasai Mara National Reserve is at the heart of it all. A safari here, especially during the Great Migration when millions of wildebeest, zebras, and gazelles cross the plains, is one of the most iconic wildlife experiences on the planet. The "Big Five" (lion, elephant, buffalo, leopard, and rhino) are frequently spotted, making it a top destination for nature lovers and photographers alike.
If you're planning a safari tour in Kenya, make sure your travel insurance covers adventure activities, including game drives and wildlife viewing. It's also crucial to have emergency medical evacuation coverage, as remote areas like the Masai Mara may lack immediate access to advanced medical care.
Natural Disasters in Kenya
While Kenya is generally safe for travel, it does experience some natural hazards. Being aware of these risks can help you plan and stay safe:
- Wildfires: Particularly in rural areas during the dry season.
- Flooding: Most likely during the rainy season (April-May).
- Earthquakes: Although not frequent, Kenya is in a seismically active region.
What to Do if You Become Ill or Injured in Kenya
If you experience a medical emergency while in Kenya, follow these steps:
- Seek Medical Help Immediately: Visit the nearest healthcare facility or contact local emergency services.
- Contact Your Travel Insurance Provider: Alert your insurer as soon as possible, they may be able to provide details of the nearest in-network hospital.
- Keep Documentation Safely: Save all receipts, medical reports, and treatment records for insurance claims and reimbursement.
Travel Resources for Kenya
For more information on planning your trip, exploring top destinations, and staying safe while traveling in Kenya, check out these helpful resources:
- Kenya Tourism Board: Offers up-to-date guidance on events, attractions, local customs, and travel tips.
- Kenyan Ministry of Health: Provides health alerts and updates for travelers.
Where to Buy Travel Insurance for Kenya
You can easily purchase travel insurance for Kenya online through trusted travel insurance platforms. Comparing policies and understanding coverage options is key to finding the best plan suited to your travel needs.
For those seeking assistance in finding the right coverage, a travel insurance marketplace like VisitorsCoverage allows you to compare various plans, ensuring that you choose the one that best fits your travel requirements.
Speak to a Travel Insurance Expert: If you're unsure which plan suits your needs, speaking with an insurance expert on +1 866 384 9104 can help clarify your options and ensure you're well-protected.
