Have your visa? Check. Booked your flight? Check. Booked accommodation? Check. Even packed your bag? Another check. Ready to set off, right?
Well, not exactly. Get you some travel insurance from World Nomads.
When thinking of traveling abroad, I like every other person, will try to minimize my costs as much as possible. While treading that path, some may be tempted to cross off travel insurance. I get it. Budgets are tight so we have to tighten our belts. But have you for a moment considered that insurance is way cheaper than the inherent costs should God forbid – things went wrong?
And believe you me stuff goes wrong when you’re traveling. Flights could get cancelled due to bad weather. Or you catch malaria 3 days before your scheduled flight. Or you lose your expensive DSLR camera, or iPhone. Or you break a bone while facing some of your fears or crossing an item off your bucket list.
I am not just being a prophetess of doom. But believe you me insurance is cheaper than buying new travel gear, a new ticket to replace a missed flight, or paying hospitalization fees to treat a dislocated hip!
If you are planning to travel abroad with minimal worries, I highly suggest that you consider buying a comprehensive travel insurance. Kindly note that this is different from the regular Medical Insurance or Life Insurance. Nope! Actually, this the kind of insurance that you must present during schengen visa application process.
Click on this link here to find out how much it would cost you to get comprehensive Travel Insurance.
… OR CLICK HERE TO GET A PRICE QUOTE
What's Covered in This Article
Why is World Nomad the Best Travel Insurance for Schengen Visa Application for Kenyans
After constantly being on the road abroad sometimes for several weeks at a time, I came to the realization that my regular Life and Medical insurance policies cannot help much when I travel abroad on my Kenyan passport.
My medical insurance, while I could never leave without while in Kenya, is too specific and would never pay my medical bill if something happened while I was abroad. Besides, it doesn’t apply as travel insurance for a Schengen visa application in Kenya. If you’ve been around this blog long enough, you probably know by now that Europe is one of my favorite destinations on the planet.
As for my Life insurance policy on the other hand, I only benefit at its maturity (it’s a 15 year policy), ama jamaa na marafiki wan’gan’ganie when I have said goodbye to mother earth.
So, after so many years traveling, using several travel insurance policies and comparing their fine print of I came to the conclusion that World Nomads is the best all-around travel insurance plan for Kenyans traveling abroad because it offers comprehensive coverage with no deductible at a competitive price.
But each trip and traveler is different, and many people may not need or benefit from buying travel coverage. However, if you plan to visit the Schengen area or are visiting other regions but need peace of mind, I have three words for you: get travel insurance.
Travel insurance from WorldNomads.com is available to people from 140 countries including Kenyans traveling abroad. It’s designed for adventurous travelers with cover for overseas medical, evacuation, baggage and a range of adventure sports and activities.
World Nomads Travel Insuranceis simple and flexible.
You can buy and claim online, even after you’ve left home. This is particularly important for those of us who don’t have time to go looking over phone numbers of insurance agents to ask for quotes.
With World Nomads, everything is done online, from getting a quote for the cost of your insurance, paying for the it, and even making claims in the unfortunate event that things go wrong.
7 things you should know about travel insurance from WorldNomads
- Trusted reliable underwriters
WorldNomads.com is backed by a suite of strong, secure, specialist travel insurers who provide you with great cover, 24 hour emergency assistance and the highest levels of support and claims management when you need it most. - Value for money with the cover you need
WorldNomads.com provides cover for what’s important for travellers from 140 countries. By focusing on what you need and leaving out what you don’t, World Nomads prices are some of the most competitive online. - Flexibility when you need it most
Had a change of plans? You can buy more cover or claim online while you are still away. You can even buy a World Nomads policy if you’re already travelling. - Cover for a range of adventure activities
From skiing & snowboarding in New Zealand to whitewater rafting in Colorado, WorldNomads.com covers a range of adventure activities, giving you peace of mind to get the most from your travels. - World Nomads keeps you travelling safely
All WorldNomads.com members have access to up-to-date travel safety alerts, as well as travel safety advice and tips online through the World Nomads Travel Safety Hub. - More than just great value travel insurance
All WorldNomads.com members can learn the local lingo through a series of iPod & iPhone Language Guides and can stay in touch with family and friends with an online travel journal. - Commitment to exceptional customer service
We want to make sure you get the most from WorldNomads.com. You can find out more about why travel insurance is important for your trip. If you have any questions about your travel insurance or travel safety in general, please contact WorldNomads.com directly.
Check out what it will cost to cover you as a Kenyan traveling worldwide (excluding travel to USA and Kenya)
The cost below is quite affordable for 7 days!
Both the STANDARD and EXPLORER are great policies. But if you plan to engage in any adventure sports, then Explorer Policy is the policy for you.
As evident from the above screenshots, if you go for the Standard Policy, World Nomads will cover you for the following eventualities:
- Travel Delay – should you miss your flight and when the airlines won’t compensate you
- Baggage & Personal effects – should the airlines lose your luggage and refuse to pay for it
- Overseas Medical and Dental expenses
- Personal and Travel Documents
- Personal Liability – Physical injury and property damage and much more
Why I Prefer World Nomads Better to the Kenyan-Based Travel Insurance Companies?
Most of the insurance companies in Kenya are not used to LONG-TERM Travel or backpacking kind of travel! They aren’t conversant with what it all involves. Besides, once you leave Kenya, you can’t even avail the travel insurance since they all must be purchased while in Kenya, and claimed manually!
So what to do in the event that I had already purchased insurance for say 1 week then I decide to extend my trip.
I have also heard horror stories from acquaintances in Kenya of when their local insurance company was reluctant to pay them or took forever to do so.
Like seriously, preparing to travel abroad is already dramatic enough, who needs more drama?
Why should you take my word?
Furthermore, on the quest to hitting various items off my bucket list, I have one time or another exposed myself to inevitable misadventures while at it. The only way to minimize such damage is by always having travel insurance cover with World Nomads. Even with my mkono birika mindset… hahaha
Do I really need travel insurance?
1) Overseas medical & dental expenses
While traveling overseas, you suffer an acute serious illness or acute serious injury and you require urgent necessary or emergency dental treatment of hospitalization.
2) Sports & adventure activities
You’re participating in adventure sports and/or activities while traveling overseas and you get injured. Click on this link for a full list of adventure activities covered by World Nomads Travel Insurance.
3) Pre-trip cancellation
You have to cancel your trip before you leave home, due to an unexpected, serious illness or injury requiring hospitalization.
4) Trip interruption
Your trip is interrupted or you have to end your trip early due to your (or your close relative’s) death, acute serious illness or injury.
5) Resumption of trip
You need to resume your trip if you had to return home due due to your (or your close relative’s) death, acute serious illness or injury.
6) Baggage & personal effects
Your baggage, clothing, electronic equipment, jewelry or other items you take or buy on your trip are stolen, damaged by a natural disaster, or lost/damaged by a common carrier.
Practical Tips when Buying Travel Insurance
The above are all mishaps that could happen while you’re abroad. Next, I give you some practical tips to consider when purchasing travel insurance.
- Always read the fine print and ask questions when you don’t understand any of it.
- Get a travel insurance policy with sufficient cover to pay your medical bills if you get sick while traveling or pay to transport you back to Kenya for treatment if you’re injured or fall ill overseas.
- Print a copy of your policy document and always carry it with you whenever you travel abroad.
- Save copies of the policy documents in your email.
- Safely keep all your travel receipts in case you need to make a claim.
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Image credit: top most, Erik Witsoe on Unsplash; bottom, by Jon Tyson on Unsplash
