• If something goes wrong without travel insurance, one can get stranded on foreign shores, e.g. sickness,
• Many foreign countries require mandatory insurance cover before granting visas,

No, only for special cases, e.g. persons over 70 years

• As soon as you have booked your trip (tickets, hotel).
• This is because it is possible you might have to cancel your trip after booking but before you’ve actually left.

Yes, you can extend your policy if you are delayed getting home for an unforeseen circumstance.

• Most regular Health and Personal Accident Insurance plans provide partial or no coverage while you are traveling in another country
• Local policies rarely have international networks, contacts, trust
• If any covers, then “Contribution Clause” arises

Yes, except the country in which you live. However, there may be exclusions in cases where the destination of travel may be the subject of war and terrorism

• The insurance becomes invalid.
• Such warnings advise against all but “essential” travel, and holidays, business and related activities are not considered ‘essential‘

• Premium payable before / at commencement of cover,
• Premium payment never on account or within the credit facility of intermediaries,
• Payable in Kshs, USD or Euros

• Policy commences upon issuance/payment of premium and as indicated in the Certificate of the Policy.
• Cover ceases upon arrival of the Country of Residence or expiry, whichever comes first,
• Period of Insurance is in any case not renewable.

• Yes, at an additional premium.

Yes, upon premium loading of 10% (under negotiation).

Assistance Company International Helpline

  Telephone No.:  + 44 845 217 1379,

  Email:  afrcosiam@mapfre.com,   and refund@mapfre.com

Insured to provide:

• Passport or Identity card number.
• Assistance card or Policy number.
• Full name of the injured and the principal insured.
• The cause of the call.
• The place he/she are located (Hotel/City/Address/Phone number)