Are pre-existing conditions covered?

Standard cover excludes pre-existing conditions. With proper declaration and (sometimes) a medical questionnaire, many can be added at an additional premium. Hide-and-claim is a recipe for declined claims — always declare.

Reckless behaviour, intoxication, war zones (per FCDO/UK or US State Department travel advisories), uncertified hazardous pursuits, and treatment unrelated to emergency care. Cosmetic and elective treatment is also excluded.

Is Schengen visa cover specifically priced?

Yes — Schengen-compliant policies start at typically KES 1,200–3,000 for a short trip and rise with duration and traveller age. The Schengen letter we provide is what the consulate stamps and files; the underlying cover meets or exceeds the €30,000 minimum.

What if I extend my trip?

Most policies allow extension if requested before the original end date and before any claim is anticipated. Premium for the extension is pro-rata. Extensions after a claim has occurred are typically not permitted.

Travel Insurance

Single Trip Travel Insurance

Cover for one specific journey — medical emergency, trip cancellation, baggage loss, and personal liability while you travel.

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Single trip travel insurance covers one specific journey — outbound flight, time at destination, and return flight back to Kenya — under a policy that starts the day you leave and ends the day you return. It is the right choice for occasional travellers: holidays, family visits, business trips, or umrah and hajj. For two or more trips a year, the annual multi-trip product becomes more economical.

Vike places single-trip cover for every destination class — Schengen Area (where IRA-approved cover with minimum €30,000 medical limit is required for the visa), UK, USA, Asia, Middle East, and the rest of Africa. We confirm the exact policy wording meets each consulate's requirements before issuing — embassies routinely reject incomplete or non-compliant policies during visa application.

What It Covers

Emergency medical and hospital expenses abroad
Emergency dental treatment for accidental injuries
Emergency medical evacuation and repatriation
Repatriation of mortal remains in event of death
Trip cancellation and curtailment for insured reasons
Lost, stolen, or damaged baggage (with per-item sub-limit)
Travel delay and missed connection compensation
Personal liability for accidental injury to third parties abroad

Who It's For

Occasional travellers — one to two trips per year
Schengen and UK visa applicants requiring proof of travel insurance
Pilgrims travelling for umrah, hajj, and religious pilgrimage
Families on annual holiday trips
Business travellers on single-purpose trips

Types We Cover

Each profile is rated and underwritten differently. Talk to us so we can match your specific situation.

Africa Regional

Cover for travel within Africa (excluding Kenya) — typically the cheapest premium. Common for trips to Tanzania, Uganda, Rwanda, South Africa, Egypt, and West African destinations.

Worldwide Excluding USA/Canada

Cover for Europe, Schengen, Middle East, Asia, Australasia — excludes USA and Canada (where medical costs require a different rating). Suitable for most Schengen and UK trips.

Worldwide Including USA/Canada

Adds USA and Canada to the worldwide cover. Materially higher premium reflecting US medical costs. Necessary for any North American travel — US healthcare bills can run into millions of dollars.

Schengen-Compliant Cover

Specific wording confirming minimum €30,000 medical and evacuation limits per Schengen visa requirements. We issue a Schengen letter for visa applications within 24 hours.

Pilgrimage / Hajj-Umrah Cover

Tailored for Saudi Arabia travel during hajj and umrah seasons. Covers medical emergencies in the Holy Cities, repatriation, and pilgrimage interruption. Often a Ministry of Hajj requirement.

Real-World Scenarios

Medical emergency in Dubai

A traveller is hospitalised after an accident; bill USD 8,500. The insurer settles directly with the hospital through its 24/7 assistance partner. No cash payment from the traveller, no concern about local credit limits.

Schengen visa requires proof of insurance

A 15-day Italy trip needs a Schengen-compliant policy showing €30,000 medical and repatriation cover. Vike issues a compliant policy schedule and Schengen letter within 24 hours; the visa officer accepts without question.

Baggage delayed for 36 hours in Doha

The policy's baggage delay benefit (typically USD 100–250 per 24 hours) pays for essential clothing and toiletries. On final non-arrival of baggage, the policy pays out the lost-baggage sum assured (subject to per-item sub-limits).

Optional Benefits & Add-ons

Increased medical limit (USD 100K → USD 500K+)

Adventure and winter sports cover

Pre-existing condition cover (subject to medical declaration)

Increased personal liability limit

Trip cancellation for additional reasons (e.g. work loss)

Gadget cover for phones, laptops, and cameras travelling with you

Availability varies by underwriter. Our advisors will confirm what is available on your chosen policy.

Frequently Asked Questions

Before the trip starts. For trip cancellation benefits to apply, the policy must be in place before the events leading to cancellation occur. Most travellers take cover within 14 days of booking the trip.