Annual Multi-Trip Travel Insurance
One annual policy covering unlimited international trips within the policy year — designed for frequent business and leisure travellers.
Annual Multi-Trip (AMT) cover is the right product for anyone making more than two international trips a year. One annual premium covers an unlimited number of trips, each up to a maximum duration (typically 30, 60, or 90 days per trip). The price is usually equivalent to 3–4 single-trip policies — so for frequent business and leisure travellers, it pays for itself by mid-year and removes the hassle of arranging cover trip-by-trip.
Vike places AMT for individuals, couples, and families. We work out the optimal trip-duration cap based on your actual travel patterns (most clients overpay for 90-day trip limits they never use), and we confirm Schengen-compliant wording so a separate visa-policy purchase is never needed.
What It Covers
Unlimited international trips within the 12-month policy year
Emergency medical, dental, and evacuation worldwide
Trip cancellation, curtailment, and abandonment
Baggage and personal effects loss or delay
Travel delay, missed connection, and missed departure
Personal liability while abroad
Hijack and kidnap benefit (selected products)
Optional cover for family members travelling separately
Who It's For
Business travellers making frequent regional or international trips
Frequent leisure travellers and digital nomads
Couples and families who travel multiple times per year
Sales executives, consultants, and project managers with travel-heavy roles
Anyone who finds themselves buying single-trip cover more than twice a year
Types We Cover
Each profile is rated and underwritten differently. Talk to us so we can match your specific situation.
Individual AMT
Single-life unlimited trips for 12 months. Premium typically KES 12K–35K depending on age and territory.
Couples AMT
Both spouses covered for unlimited trips, whether travelling together or separately. Cheaper than two individual AMTs and the default for travel-heavy couples.
Family AMT
Principal, spouse, and children under one schedule. Children typically covered free when travelling with at least one parent.
30-Day Trip Cap AMT
Cheapest AMT variant — each trip capped at 30 days. Suitable for business travellers and short-holiday makers. Most cost-effective if you rarely travel longer.
90-Day Trip Cap AMT
Each trip up to 90 days. Premium materially higher but right for digital nomads, long-stay business postings, and visiting extended-family trips.
Real-World Scenarios
Frequent business traveller — 8 trips in a year
Eight single-trip policies would cost KES 28,000+. AMT individual cover at KES 18,000 saves the premium difference and removes eight separate buying decisions. Cover applies from departure to return on every trip with no further admin.
Family with school-age children, travelling at half-term
Three trips over the year — Christmas, April break, August holiday — under one family AMT. Cheaper than three separate family single-trip policies. Children's free-with-parent coverage on most products materially reduces the per-child cost.
Schengen visa application mid-policy-year
AMT issues a Schengen letter on demand at any time during the policy year. No additional premium for the specific trip; no separate visa-cover purchase needed. Convenient for business travellers with frequent and unpredictable visa cycles.
Optional Benefits & Add-ons
Extended trip duration cap (30 → 60 → 90 days)
Adventure and winter sports cover
USA and Canada inclusion
Pre-existing condition cover for declared conditions
Increased baggage and personal effects limit
Cyber and gadget cover for laptops and electronics
Availability varies by underwriter. Our advisors will confirm what is available on your chosen policy.
Frequently Asked Questions
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