Travel Insurance

Safeguard your trip and belongings with Travel Insurance

Why Travel Insurance?

Travel Insurance gives you peace of mind knowing that if anything occurs while travelling, you will not face the inconvenience of inflated financial costs to keep enjoying your trip. It comes in handy, especially for lone travellers and those on a tight budget.

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Who would benefit from Travel Insurance?

Anyone travelling from one place to another, usually over a distance of 100km or more, would benefit from Travel Insurance.

A Visualization of Risk and Solutions

Trip Cancellation
Risk Factor

Your trip is all planned and paid for. You’ve got your plane tickets, your hotel is booked, and you’re ready to go. Then tragedy strikes and you’re forced to cancel your trip before you even get a chance to leave. Now, not only are you out the experience of your trip, you’re out all the money you paid too.


Trip cancellation insurance applies to situations where you have to cancel your trip because of a covered reason before you’re able to leave. Some covered reasons include illness, injury, or death of a family member or the traveler, natural disasters that make the trip impossible, and more. This coverage can reimburse you for the prepaid, non-refundable expenses related to your trip.

Trip Interruption
Risk Factor

You’re on your trip, enjoying the amazing sites and having fun. The food is good, your accommodations are nice. This trip was definitely worth the money. But when an unfortunate emergency occurs and you’re forced to end your trip early, you’re not only missing out on the last leg of your trip, but you’re out the money you paid for the rest of it.


Trip interruption insurance is an essential coverage for those emergencies and situations you just can’t predict while you’re traveling. If you’re forced to cut your trip short due to a covered reason—like a serious illness, a death in the family, a natural disaster that makes continuing the trip impossible, and more—this coverage can help you recoup your losses. It can help reimburse you for prepaid, non-refundable, and unused expenses, and it can also help you cover the costs to return home early.

Missed Flights
Risk Factor

Traveling by plane means a lot of coordination and many circumstances beyond your control can wreak havoc on your plans. All it takes is one incident to make you miss your flight and leave you stranded.


If missing flights is a big concern for you while you’re traveling, this policy could be right for you. In the event you miss a flight due to a covered reason, you may be eligible for help with travel and accommodation expenses related to your missed flight. However, it’s important to know what is and isn’t covered—for example, not leaving enough time to get to the airport is not a covered event.

Medical Insurance
Risk Factor

When you travel, you get to explore new places and try new things, but injuries and illnesses can happen at any time. All it takes is the wrong food to land you in the hospital with a serious bout of food poisoning. Your standard health insurance may not cover you while you’re traveling, and the resulting medical bills can be enormous.


If you find yourself sick or injured while traveling, travel medical insurance can help you cover the costs of your treatment. Some plans may be extended to groups and dependents. Other plans can also cover dental expenses.

Medical Evacuation and Repatriation
Risk Factor

If you’re traveling internationally and suffer a serious injury or illness that requires you to be transported to the nearest qualified facility or your home country, those costs can add up quickly. If the worst should happen and you die while abroad, returning your remains to your home country can also come with a high price tag.


Medical evacuation and repatriation insurance is a form of medical coverage that supplements your standard travel medical insurance. It helps to cover the costs of evacuating you to the nearest qualified facility to treat your injury or illness. This coverage can also cover the costs of transporting a family member or friend to be by your side. If you were to die while abroad, the repatriation portion of the coverage helps to cover the costs of returning your body to your home country.

Loss and Delay of Baggage
Risk Factor

Everything you need for your trip is stored in your baggage. Clothing, toiletries, electronics, you name it, you probably have it packed. What happens if you arrive at your destination, but your baggage is delayed? What happens if your luggage gets lost, stolen, or damaged? Suddenly you’re faced with having to buy replacements for everything you packed.


Getting coverage for loss and delay of baggage in your travel insurance policy can help you if you’re suddenly without your luggage. If your bags are delayed, this policy can reimburse you for essentials you have to purchase, like toiletries, clothes, and more. If your bags are lost, the insurance company will help you try to track down your luggage, and if it can’t be found, they’ll reimburse you for the items. Coverage for stolen and damaged luggage varies, so be sure to check your policy.

Trip Delay
Risk Factor

When traveling, it’s possible for unexpected delays to occur. When that happens, you could lose out on prepaid expenses and also incur new ones as you wait out the delay.


If you experience a delay in your travel plans due to a covered reason, trip delay insurance can help to cover some of the costs associated with it. For instance, it can reimburse you for lost expenses that you prepaid, and it can also help to cover things like accommodations, food, transport, and more as you wait out the delay. It’s important to note that policies will define how long your delay needs to last for it to be covered—i.e. five hours—and there is a limit on the amount of reimbursement per day you’ll be allowed.

Rental Vehicles
Risk Factor

Often when you travel by plane, train, and boat, you most likely won’t have access to your vehicle and will have to rent one at your destination. If you get into an accident or damage the rental vehicle, you could be held liable for the damage.


While your personal auto insurance may extend to rental cars, there is a possibility that it won’t. It’s also possible the rental agency will offer you rental insurance, but for a hefty price. In that case, rental vehicle insurance can help you cover costs associated with an accident you’re liable for while in the rented vehicle, such as costs to repair the vehicle.

Accidental Death and Dismemberment
Risk Factor

It’s not pleasant to think about, but traveling can be dangerous. One second you could be having the time of your life, and the next, the worst could happen. Now you can’t provide for the people you care about like you used to.


Accidental death and dismemberment insurance may be an important part of your travel insurance. It acts like a life insurance policy. You name a beneficiary and if you were to die or be dismembered while traveling, they would receive the benefits. This would be paid out in addition to any life insurance coverage you already have.

Travel Inconvenience
Risk Factor

There are so many moving parts when it comes to traveling. Your transportation, your accommodations, the activities and attractions you plan to visit, and more. If even one thing goes wrong, it could be a huge inconvenience to your entire trip.


Travel inconvenience insurance can help supplement your trip interruption and trip delay insurance. It helps to reimburse you for expenses if a covered and unforeseen event were to occur and disrupt your trip. This could include closed attractions, hotel construction, card cancellations, and more.

Use the yellow hot spots and explore how travel insurance can help protect against common risks.

What is covered?

Travel Insurance provides compensation for the costs arising from risks one may face throughout travelling. Such risks include, but are not limited to:

Emergency medical expenses

Loss of luggage

Accidental damage to other people’s property

Bodily injury to their person

Canceled flights

What challenges will Travel Insurance solve?

Caters for unexpected costs: Travel covers are beneficial because it protects you from going deeper into your pocket for emergency medical expenses. In most cases where one travels to a different country, you will find that the medical care and costs are very different from those at home, most of the time more expensive.

Stick to the budget: You may have a tight budget and the cancellation of a flight, for example, throws you off joint because there may arise the need to take up emergency accommodation in a foreign country where the layover was to be a manageable few hours.

Critical considerations for Travel Insurance

What are the factors we'll consider when choosing the best Travel Insurance cover for you?

Destination Embassy’s Requirments

Consider your destination’s embassy’s Travel Insurance requirements

Travel Period and Frequency

Consider your travel period and frequency. More extended periods can have better premiums than taking several short-period travel covers.

Purpose of Travel

Consider your purpose of travel because some covers will not take care of eventualities due to dangerous sports or politically unstable areas.

Maximum Benefits

Consider the appropriate coverage that maximizes benefits.


Consider limits and sub-limits for different benefits.


Consider regional travel restrictions, e.g., Schengen areas.


Consider the deductibles.


Consider service quality between different providers.

Why work with us?

Did you know that working with an insurance agent doesn't cost you anything extra? You also get advisory services when choosing covers and we walk with you during claims.

What do I need to get Travel Insurance?

Your passport and KYC details (Post office address, KRA PIN for citizens, phone and email addresses, name and contact information for emergency contacts)

The exact dates of your travel from departure till return to the starting point.

The premium payment

How can we help?

We at Dawit insurance specialize in guiding you through which product best suits your needs. We will source quotations from the best providers in the travel industry on your behalf and comprehensively analyze the offer to determine the one that has the best terms within your budget limit.

We also guide you through the claiming process and assist with seeking pre-authorizations, card replacements, and advice on exclusions.

How to pay for Travel Insurance

  1. Corporate travel: Most insurance providers require payment before the trip or on deposit for corporate clients
  2. Individual travel: The insurance provider accepts payments before the issuance of the cover.


Stress free Medical Insurance claims. What's your role and what's our role?

Dawit Insurance Agency

At Dawit. we’re known for hand-holding our customers during claims. For almost two decades of our existence, we’ve helped many customers get genuine claims paid speedily and fairly.

All you need to do is to notify us of the risk that occured and we’ll walk you through the consecutive steps until the end.


We advise our clients to reach out to notify us of the claim as soon as possible. Your main role is to notify us and we’ll guide you through the consecutive steps.

Should you have any questions on what is covered and what isn’t covered in your policy, feel free to reach out and we’ll assist you as soon as possible.

Be assured you're in safe hands. We have over 15 years of experience in the industry having won a multitude of awards from various insurance companies.

Get A Quote

Your first steps towards covering your people or group with Medical Insurance begins here. Fill the form below and let's get you covered with our Travel Insurance solutions.

Learn more about this product

Our ultimate interest is to match the customer’s expectations to the underwriter’s reality and eventually become our clients’ “insurance department”. This is achieved through a dedicated and professional staff and partnerships with insurance companies.

We’d love to hear from you. You can reach out by calling, emailing or paying us a visit. You can also fill in the form and we’ll get back to you in a bit.

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