Kenya insurance should be a main concern when visiting or working in this vibrant and diverse country. Recent terrorist attacks, the high risk of crime, and the unstable security situation along many of its borders, particularly with Somalia, are of concern. Specialist Kenya insurance is recommended for extended residency, any high-risk business activity and travellers going off the beaten track.

Kenya insurance – quick facts

  • There is a high threat from terrorism, including kidnapping
  • International health insurance in Kenya is essential, along with cover for emergency evacuation
  • There is a risk of violent crime
  • There is threat of piracy in the Gulf of Aden and the Indian Ocean.

Get the right insurance for Kenya


  • Specialist Kenya insurance – can include protection for personnel, property, vehicles, equipment, crews and cargoes
  • We can cover all of your business liabilities in Kenya and help you to understand and meet contractual and local insurance obligations

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  • Due to limited medical facilities and potential risk to personal security, specialist Kenya insurance is advised for visitors and expats
  • We can cover you for life, personal accident, personal disability, medical emergencies, evacuation and other specialist insurance needs, including kidnap and ransom cover

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Potential problems in Kenya

Kenya is known as “the cradle of humanity”, its Great Rift Valley being home to the earliest evidence of man’s ancestors. Kenya’s scenic beauty and astonishing wildlife have led tourism to become the major contributor to its GDP.

Although in the past it’s had its share of violent civil unrest, the current political situation is relatively stable. The main potential threats come from increasing terrorist activity from the Somali based Islamist group Al Shabaab.

Al Shabab are known to be targeting Kenyan institutions and foreign nationals. They have claimed responsibility for a number of recent attacks including the Westgate Shopping Centre siege that killed 67 people in September 2013 and an attack near the tourist resort Lamu that killed 48. A number of tourists have also been kidnapped from coastal resorts. In May 2014, hundreds of British tourists were evacuated following warnings of an imminent attack.

Crime also presents a threat to foreign nationals. Mugging, armed robbery and carjacking can happen at any time but are most prevalent in the poorest areas of Nairobi and Mombasa. Avoid overt displays of wealth, going off the beaten track and do not walk around after dark. Kidnap for ransom is also on the increase and you may want to include provision for this in your Kenya insurance. Public demonstrations do occur and can turn violent so you’re advised to avoid them if possible.

There are some very good private hospitals in Kenya including the Aga Khan Hospital group, but they are relatively expensive. As an expat, for anything other than minor treatment, most people would probably prefer to travel to Europe (or South Africa) and a quality private medical insurance policy is essential.

Piracy is a problem in the Gulf of Aden and Indian Ocean, and shipping or companies involved in anti-piracy measures are advised to take maritime coverinternational cargo insurance or specialist personal accident cover.



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For advice for companies talk to us. For individual policies get a quote.

Latest Foreign & Commonwealth Office advice

The FCO advise against all but essential travel to specific regions including the border with Somalia. There is a high threat from terrorism. Take out comprehensive travel and medical insurance before you travel.

Latest FCO Advice