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Travel Insurance

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About Travel Policy

Travel Policy

The increase in international travel has meant that risks associated with it have grown. This coupled with the high cost of medical care abroad has made travel insurance vital for any traveller.

Travel Insurance through The Heritage Insurance Traveller provides 24 hours emergency and medical assistance anywhere in the world. You can enjoy easy and carefree international travel. The Heritage Traveller is also accepted by countries that require travel insurance before issuing visa.

Some of the benefits you will enjoy with The Heritage Traveller include:

Travel Delay / Flight Cancellation

Financial Loss and / or expenses incurred if your trip is cancelled or delayed because of unavoidable circumstances.

Medical and emergency expenses

Emergency medical, surgical or dental expenses incured during travel; costs of returning home by Air Ambulance or other medically appropriate means; cos of return od mortal remains or repatriation or cost of funeral where death occurs.

Hospital Allowance

Where the insured is hospitalized as a direct result of an accident or illnes covered under this policy.

Personal Accident

Losses resulting from an accident, injuries, loss of limbs, loss of sight and death.


Cost incurred in obtaining travel documents after loss of your passport.


Total loss of baggage that has been checked in by an international airline. Cost of purchasing essential items after baggage has been delayed by an airline.


Loss of money accidentally or by theft while on your person, securely locked under your control or in a safety deposit box in a hotel or a bank.

Person Liability

Legal liability for accidental injury to third parties and / or accidenal damage to their property.

Travel Packages

Smart Plan Policy

The cover has the most comprehensive packaged benefits. It is available to individuals, families, groups and frequent travellers.

  • Includes individual, family, group, inbound and annual multi trip covers.
  • Flexibility to choose number of days per trip.
  • Clients will enjoy competitive rates.
  • Maximum number of days per trip is 180 days.
  • The policy expires on the date of return. Read More »

Budget Plan

The cover has been tailor made to provide travellers with essential benefits during their trips. Cover is also available to individuals, families, groups and frequent travellers.

  • Includes individual, family, group, inbound and annual multi trip covers.
  • Flexibility to choose number of days per trip.
  • Clients will enjoy competitive rates.
  • Maximum number of days per trip is 180 days.
  • The policy expires on the date of return. Read More »

Annual Multi-Trip Cover - For Both Smart Plan and Budget Plan

  • Cover for frequent travelers.
  • Cost effective as rates are discounted.
  • Flexibility to choose length per trip.
  • Maximum number of days per trip is 180 days.
  • No limit on the number of trips an insured can take per annum.

Student Policies

  • This cover is available to students travelling abroad for studies.
  • The cover has a high age limit of 40 Years.
  • Students can be covered for a period of up to one year according to their travel needs.
  • Students will also enjoy special discounted rates (25%) for their short term trips. Read More »

Inbound Cover

This cover is available for foreigners travelling to Kenya. Maximum number of days per trip is 45 days.

  • Maximum number of days per trip is 45 days.
  • Clients will enjoy competitive rates.
  • Client has different options to choose from i.e. smart plan cover or budget plan cover.

Corporate Travel Insurance

The client has an option of choosing from :

  • Silver
  • Gold
  • Platinum
  • Platinum Plus

Schengen Cover

Clients have an option of choosing a Schengen Policy when travelling to Schengen States.
Some of the Schengen States Include :

  • France
  • Finland
  • Germany
  • Denmark
  • Netherlands
  • Portugal
  • Italy
  • Poland
  • Spain
  • Sweden
  • Norway
  • Belgium
  • Hungary
  • Slovakia
  • Luxembourg
  • Greece
  • Austria
  • Latvia
  • Malta
  • Cover acceptable for Visa application to Schengen. Read More »
  • To make a claim simply complete a claim form as soon as possible after the incident has occured.


Specialty Assistance


Incase of an emergency please call the following numbers for assistance:


Specialty Assistance is a UK based organization that is involved in emergency assistance 24 Hours a day all over the world.

Europe - London, UK
Tel: (24HR)+44 (0) 20 7902 7405
Fax:(24HR)+44 (0) 20 7928 4748
E-mail:(24HR) : [email protected]
Website : www.specialty-group.com

Americas - USA and Canada
Tel: +1215 489 3785
Fax:+1215 489 8525

Africa - Johannesburg, South Africa
Tel: +27 10 209 8300
Fax:+27 10 209 8405

Asia - Bangkok, Thailand
Tel: +662 645 3932
Fax:+662 645 3732

Claim forms can be obtained from :

J.B Boda & Co (UK) Ltd
New London House
6 London Street
London EC3R 7LQ
Tel: +44 (0) 20 7488 1236
Fax: +44 (0) 20 7488 4942
[email protected]


International Travel Tips

Travel Tips as you prepare for International Travel

Check your passport and apply for any necessary visas.

While it’s not necessary to memorize your passport’s expiration date, it’s best to take a look at it—and to verify that you know where your passport is stored—before making any international travel plans. Generally speaking, you want your passport to be valid for at least six months after entering a foreign country, though some nations will let you get away with less; refer to the State Department’s website for full details, organized by country. If its expiration date is approaching, you’ll need to renew your passport before your next overseas trip.

Get vaccinated, stock up on medicine and current medical reports 

Depending on where you’re going, you may need to get special vaccines or medications as a precaution against various diseases. If you have any pre-existing condition ensure to carry with you the most current comprehensive and up-to-date medical recommendations and reports. In addition, if you routinely take any prescription medication, make sure you have enough to cover the duration of your travels so that you don’t run out while you’re overseas. Finally—and especially if you’re going to any remote regions—it’s wise to pack non-prescription medicines (aspirin, Imodium, etc.) that may not be easy to find.

Check for travel warnings/advisories and register your trip.

Before you travel abroad, refer to the State Department’s Program for Travel Alerts .This are short-term events we think you should know about when planning travel to a country and Travel Warnings.  Travel Warning are issued when they want you to consider very carefully whether you should go to a country at all.”). It’s worth checking for these notices both before you book a trip and just before you depart.

Make copies of travel documents.

Most importantly, have at least one colour copy of your passport’s ID page stored somewhere safe and separate from your passport. You should also make copies of any visas that pertain to your current travels. Hotel reservations, train ticket confirmations, and all other travel documents should be copied as well. In this digital age, it is very convenient (and eco-friendly) to only have digital copies of these documents handy.

Research entrance and exit fees.

Regardless of whether a country requires you to obtain a tourist visa, it may levy an entrance and/or exit fee against you. For example, Argentina allows U.S. citizens to visit for up to ninety days without a visa, but a $160 “reciprocity fee” must be paid before entering the country—you won’t be allowed in without a copy of the receipt. Once again, the Consular Information Program is the most reliable resource for determining whether a country charges these fees; on any country page, look under the Entry, and Exit & Visa Requirements tab for complete information.

Buy health and travel insurance.

Before you travel, check your health insurance policy to see if it includes international coverage. If not, consider buying a short-term policy that will cover you while you’re abroad, in case something should happen. Similarly, a smart way to protect your trip and your money is to purchase travel insurance.

Heritage Insurance Company has a wealth of experience on Travel Insurance Please contact us for more information on:
Telephone: 0711-039000
Email: [email protected]