Travel with Confidence

Whether you're traveling for business or pleasure, travel insurance from Brainstorm Insurance Brokers Limited ensures you're protected against unexpected events during your journey. Travel with peace of mind knowing that medical emergencies, trip cancellations, lost luggage, and other travel mishaps won't derail your plans or drain your finances.

What's Covered

Our comprehensive travel insurance policies provide extensive coverage for various travel-related risks:

• Medical Emergencies Abroad: Coverage for emergency medical treatment, hospitalization, surgery, and doctor visits while traveling. Includes coverage for pre-existing conditions (subject to policy terms) and emergency dental treatment.
• Trip Cancellation: Reimbursement for non-refundable trip costs if you need to cancel before departure due to covered reasons such as illness, death in family, natural disasters, or job loss.
• Trip Interruption: Coverage if you need to cut your trip short and return home early due to covered emergencies.
• Lost, Stolen, or Damaged Luggage: Reimbursement for lost, stolen, or damaged personal belongings, including clothing, electronics, and other items. Coverage for delayed baggage with emergency purchase allowance.
• Flight Delays and Missed Connections: Compensation for additional expenses due to flight delays, missed connections, or cancellations, including accommodation and meals.
• Emergency Evacuation and Repatriation: Coverage for emergency medical evacuation to the nearest suitable medical facility or repatriation to your home country if medically necessary.
• Travel Document Replacement: Reimbursement for costs to replace lost or stolen passports, visas, travel tickets, and other important documents.
• Personal Liability: Protection if you accidentally injure someone or damage their property while traveling, covering legal expenses and compensation.
• Adventure Sports Coverage: Optional coverage for adventure activities like skiing, scuba diving, bungee jumping, and other high-risk sports.
• Travel Delay: Compensation for additional expenses if your trip is delayed due to covered reasons beyond your control.
• Emergency Assistance Services: 24/7 travel assistance hotline for medical referrals, legal assistance, translation services, and emergency cash transfers.
• Cancel for Any Reason (CFAR): Optional coverage that allows cancellation for reasons not typically covered, providing maximum flexibility.

Travel Insurance Plans

We offer various travel insurance plans to suit different travel needs:

• Single Trip Insurance: Coverage for one specific trip with a defined start and end date. Ideal for occasional travelers or those taking a special vacation. Choose your coverage period and destination.
• Annual Multi-Trip Insurance: Cover all your travels for an entire year with one policy. Perfect for frequent travelers, business travelers, or those who take multiple trips annually. Each trip is covered up to a specified number of days (typically 30-90 days per trip).
• Business Travel Insurance: Comprehensive coverage specifically designed for business travelers, including coverage for business equipment, conference cancellation, and extended business trip coverage.
• Student Travel Insurance: Specialized coverage for students studying abroad, including coverage for study interruption, tuition fees, and extended stay periods.
• Family Travel Insurance: Coverage for the entire family under one policy, often at discounted rates. Ideal for family vacations and trips.
• Senior Travel Insurance: Tailored coverage for travelers aged 65 and above, with appropriate medical coverage and no upper age limit restrictions.
• Backpacker Insurance: Long-term coverage for extended travel, gap years, or round-the-world trips, typically covering 3-18 months of travel.

Coverage Limits and Options

Our travel insurance policies offer flexible coverage limits:

• Medical Coverage: Typically ranges from $50,000 to $500,000 or more, depending on your destination and plan
• Trip Cancellation: Coverage up to the total cost of your trip
• Baggage Coverage: Limits typically range from $500 to $5,000 or more
• Personal Liability: Coverage usually starts at $1 million
• Emergency Evacuation: Coverage up to $500,000 or more

Destinations Covered

Our travel insurance covers:

• Domestic Travel: Coverage for travel within Kenya
• Regional Travel: Coverage for travel within East Africa
• International Travel: Worldwide coverage including Europe, Asia, Americas, and other destinations
• Specific Regions: Regional plans for Europe, Asia, or worldwide excluding certain high-risk areas

Pre-Existing Medical Conditions

Many policies offer coverage for pre-existing medical conditions:

• Stable condition coverage (conditions that have been stable for a specified period)
• Medical screening and approval process
• Additional premium may apply
• Important to declare all conditions when purchasing

What's Typically Not Covered

It's important to understand exclusions (varies by policy):

• Pre-existing conditions not declared or approved
• Travel to high-risk destinations or war zones
• Extreme sports without additional coverage
• Alcohol or drug-related incidents
• Mental health conditions (unless specifically covered)
• Pregnancy-related complications after a certain week

When to Purchase Travel Insurance

It's best to purchase travel insurance:

• As Soon as You Book: This ensures coverage for trip cancellation from the start
• Before You Travel: Coverage must be in place before your departure date
• Early Purchase Benefits: Some policies offer additional benefits or lower rates for early purchase

Making a Claim

In the event you need to make a claim:

1. Contact the 24/7 Assistance Hotline: For medical emergencies, call immediately
2. Keep All Documentation: Receipts, medical reports, police reports, travel documents
3. File Your Claim: Complete the claim form with all required documentation
4. Claims Processing: Most claims are processed within 10-15 business days

Why Travel Insurance is Essential

Travel insurance protects you from:

• Unexpected medical costs abroad (which can be extremely expensive)
• Loss of non-refundable trip deposits and payments
• Emergency situations requiring evacuation or early return
• Lost or stolen belongings
• Travel delays and disruptions
• Legal liability while traveling

Travel Safely

Don't let unexpected events ruin your travel plans. Get comprehensive travel insurance protection before your next journey. Our experienced brokers will help you choose the right plan based on your destination, trip duration, activities planned, and coverage needs. Contact us today to get a quote and travel with confidence. Call us at +254104490194 (WhatsApp) or 0100021982 (Landline) or email info@brainstorminsurance.org.