Protect Your Health: The Best International Insurance Options for Kenyans Going Abroad

Traveling abroad is one of the most exciting adventures you can embark on. Whether you are headed for a vacation, studying overseas, or traveling for business, it is essential to ensure you are covered in case something unexpected happens to your health while you are away. Having the right international medical insurance can make all the difference.

But with so many options available, how do you know what is best for you as a Kenyan traveler? This guide breaks down the most important things to consider when choosing your international health insurance, ensuring that you’re fully covered, no matter where your travels take you.

Why International Medical Insurance Is Crucial for Kenyans Traveling Abroad

Leaving Kenya for a trip means you will likely encounter health risks or accidents that could be expensive to treat, especially if you are in a country with a different healthcare system. Without international medical insurance, you might end up with costly bills or worse—lack of timely medical care.

Think of it as a safety net. International medical insurance helps cover medical emergencies, hospital visits, and even medical evacuations. Having the right coverage ensures that, no matter where you are, you wo not face huge medical expenses or miss out on necessary treatment.

When you are traveling abroad, especially for extended periods or to regions with different healthcare standards, getting the right insurance is not just a smart choice—it is an essential part of your travel preparation.

Common Mistakes to Avoid When Buying International Health Insurance

Finding the right insurance plan can be tricky, and many travelers end up making some common mistakes when selecting their policy. Here are a few to watch out for:

1. Skipping the Fine Print
   Not all international health insurance plans are the same. Always read the fine print carefully. Look for exclusions, especially regarding pre-existing conditions or treatments you may need. Understanding the terms can help you avoid surprises later.
2. Assuming All Plans Are the Same
   Many travelers believe that all plans provide extensive coverage, but that's not always the case. Some plans might only cover emergencies, while others could cover routine care, preventative treatments, or even mental health services. Be sure to choose a plan that fits your specific needs.
3. Ignoring the Healthcare System in Your Destination
   Healthcare quality can vary drastically between countries. Some places might have world-class hospitals, while others may have limited resources. If you’re traveling to a country with a less developed healthcare system, make sure your insurance covers medical evacuations back to a country with better healthcare or even to Kenya if necessary.
4. Focusing Only on the Cost
   It is tempting to go for the cheapest option, but be careful. While cheaper plans may seem like a good deal, they often come with limited coverage. Opt for a plan that provides comprehensive coverage without sacrificing affordability.
5. Not Considering the Duration of Coverage
   If you’re going abroad for a short vacation, temporary coverage might be fine. But if you’re traveling for months or years—whether for business or studies—you’ll need a plan that covers you for the entire duration of your stay. Ensure your insurance will cover your entire trip, not just part of it.

Key Questions to Ask When Choosing Your Insurance

Before you commit to an international health insurance plan, here are some important questions to ask to ensure you choose the right one for your trip:

1. What is the extent of the coverage? Does it only cover emergency medical care, or does it also include routine check-ups, mental health services, and preventive care?
2. Is medical evacuation covered? If you’re in a remote area or a region with poor healthcare services, can your insurance cover evacuation to a better-equipped hospital or back to Kenya?
3. Does the plan cover pre-existing conditions? If you have a pre-existing medical condition, like hypertension or asthma, make sure that it’s covered while you’re traveling. Some policies won’t cover treatment for existing conditions, or they may charge more.
4. Is the plan valid across multiple countries? Some insurance policies are region-specific, so if you plan on traveling to multiple destinations, make sure your policy will cover all of them.
5. Are there exclusions or limitations? It’s important to understand what is and is not covered. For example, many travel health plans exclude extreme sports like skydiving or activities like hiking in remote areas. If you plan to engage in adventurous activities, make sure they are included in your coverage.

Choosing the Right Plan for Your Needs

Your choice of insurance should align with your specific travel situation, whether you are a student, tourist, or business traveler. Here is what you need to consider for each scenario:

For Students Studying Abroad:

As a student, you may be staying for a longer period, and that requires comprehensive coverage. You will need health insurance that takes care of both routine care and emergency situations.

• Look for a plan that includes regular medical check-ups, mental health services (if necessary), and coverage for any existing health conditions.
• Emergency evacuation is crucial in case of a serious illness or injury in a country with limited healthcare options.
• Make sure the insurance covers you for the full duration of your stay and provides easy access to medical professionals if needed.

For Tourists:

If you are only traveling for a short period, you will want insurance that focuses on emergency medical care, hospital visits, and medical evacuation if needed.

• Your plan should include accidental injury coverage, especially if you’re engaging in any adventurous activities.
• Make sure it covers you for the entire duration of your trip and provides easy access to doctors and hospitals in your destination country.

For Business Travelers:

Business travel often involves additional risks, especially if you're traveling to countries with less developed healthcare or engaging in high-pressure work environments. Your insurance should cover emergency medical care and also any work-related injuries.

• Look for a plan that includes medical evacuation back to Kenya, particularly if you’re going to remote or high-risk areas.
• Consider plans that also cover trip interruption and business-related risks (like being unable to attend meetings due to illness).

Travel Insurance vs. Health Insurance: What’s the Difference?

Travel insurance and health insurance are often used interchangeably, but they are not the same thing. While travel insurance might cover lost luggage, trip cancellations, and delays, it’s not focused solely on your health.

Health insurance, on the other hand, is specifically designed to cover your medical needs while you’re abroad, whether that’s emergency care, hospital stays, or even medical evacuation. For any serious health issues, you need health insurance, not just general travel insurance.

What Coverage Should You Prioritize?

When selecting international health insurance, here’s what to focus on:

1. Emergency Medical Care: This covers things like hospital visits, surgery, doctor visits, and any necessary medication.
2. Medical Evacuation: If you are in a place with inadequate healthcare, you will want to make sure your insurance covers transportation to a nearby country with better medical resources, or even back to Kenya if needed.
3. Repatriation of Remains: While no one wants to think about the worst-case scenario, this covers the cost of returning your body to Kenya if you pass away while abroad.
4. Mental Health Support: If you are going to be abroad for an extended period, it is important to make sure your plan includes mental health services to help manage stress or anxiety.

Conclusion

Whether you are a student, tourist, or business traveler, having the right international health insurance is essential for a smooth and stress-free trip. It ensures you’re covered for medical emergencies and gives you the confidence to travel, knowing you’re protected from the unexpected.

Take your time to compare policies, ask the right questions, and make sure you’re selecting a plan that fits your needs and travel goals. And remember, the right health insurance can save you from a lot of headaches (and expensive bills) down the road.

Need help choosing the best plan? Contact us through our contact form, call us on +254791573231 or visit one of our branches  across Nairobi, Kiambu, Machakos, and Kajiado counties to explore your financial opportunities and we will happy to help you find the perfect international health insurance for your next adventure abroad.