Your Guide to Trusted Insurance Providers in Kenya

Moving to a new country comes with a unique set of challenges — and protecting yourself and your assets is a top priority. Kenya offers several reputable insurance providers that cater to expatriates, offering everything from international health plans to motor and property cover. Here’s a curated guide to the top insurance companies serving expats in Kenya.

 

1. Jubilee Insurance

Overview

Founded in 1937, Jubilee Insurance is one of the largest and most trusted insurers in East Africa. With a strong presence in Kenya, Uganda, Tanzania, and beyond, it offers comprehensive insurance products tailored to individuals, families, and corporates — including many expatriates.

Pros

• Wide hospital network across Kenya and abroad

• International coverage for health and travel

• Easy digital claims and policy access

Coverage Areas

• Health Insurance (inpatient/outpatient)

• Travel Insurance

• Life & Disability Insurance

• Personal accident, home, and motor insurance

Additional Information

• Highly rated customer support

• Offers mobile app for claims tracking and policy management

• Customizable plans for families and individuals

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2. AAR Insurance Kenya

Overview

Originally a health-focused organization, AAR Insurance has grown into a leading provider of medical insurance and other personal covers in Kenya. Its expat-friendly plans and reliable emergency services make it a top choice for foreigners.

Pros

• Strong healthcare network with international affiliations

• Emergency evacuation and air rescue options

• Excellent service for outpatient and chronic care

Coverage Areas

• Health Insurance (individual/family)

• Travel and Evacuation Cover

• Group Medical for Organizations

• Maternity and dental add-ons

Additional Information

• Offers flexible payment options

• Supports direct billing at many hospitals

• 24/7 customer care for emergency services

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3. Britam Insurance

Overview

Britam Holdings PLC is a diversified financial services group with over 50 years of experience in East Africa. Known for its innovation and expansive service offerings, Britam is a trusted name for both locals and expatriates.

 Pros

• Digital tools for claims and policy management

• Reliable life and wealth planning packages

• Customizable medical and property insurance

 Coverage Areas

• Life Insurance

• Health & Medical Cover

• Home and Motor Insurance

• Investment-linked insurance products

 Additional Information

• Offers education and family protection plans

• Multiple branches across Kenya

• User-friendly mobile and web platforms

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4. APA Insurance

Overview

Part of the Apollo Group, APA Insurance is one of Kenya’s oldest and most reputable general insurance providers. Their strong client servicing and tailored expat packages make them a solid choice for foreigners.

 Pros

• Comprehensive home and car insurance

• Coverage options for both local and international travel

• Good reputation for quick claims turnaround

 Coverage Areas

• Health Insurance

• Motor & Property Insurance

• Personal Accident Cover

• Travel Insurance

 Additional Information

• Offers coverage for high-value items

• Mobile and online claims support

• ISO-certified processes

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5. UAP Old Mutual

Overview

UAP Old Mutual is part of the Old Mutual Group, with a strong legacy dating back over 170 years. In Kenya, UAP offers a full suite of insurance and investment services and is a preferred provider for high-net-worth and expat clients.

 Pros

• International backing with local knowledge

• Strong financial planning tools

• Integrated insurance + investment offerings

 Coverage Areas

• Medical & Travel Insurance

• Homeowners & Renters Insurance

• Life & Investment Plans

• Vehicle Insurance

 Additional Information

• Offers expat-friendly premium plans

• Professional advisors available for onboarding

• Available across multiple African countries

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6. GA Insurance

Overview

GA Insurance (formerly General Accident) is one of the fastest-growing insurers in Kenya. It provides competitive premiums, good customer service, and increasingly digitized claims and services.

 Pros

• Cost-effective plans

• Customizable health and auto packages

• Reliable customer service for expats

 Coverage Areas

• Motor, Fire, and Theft Insurance

• Medical and Personal Accident

• Home Contents Insurance

• Group and SME insurance

 Additional Information

• Offers both individual and corporate policies

• Flexible payment options

• Enhanced online service portal

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7. Heritage Insurance Kenya

Overview

A subsidiary of Liberty Kenya, Heritage Insurance is well-regarded for its corporate and personal cover services. It’s known for its strong customer service, especially among international clients.

 Pros

• Good expat service reviews

• Strong hospital and service partner network

• Competitive travel insurance options

 Coverage Areas

• Health Insurance

• Home & Property

• Auto and Travel

• Business Insurance

 Additional Information

• 24-hour emergency assistance

• Paperless claims process

• Custom group and family packages

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Final Tips for Expats

✅ Look for providers with international partnerships if you plan to travel often.

✅ Choose companies with a local claims office in your area.

✅ Review customer feedback and check hospital networks before signing.

✅ Ask if pre-existing conditions are covered — policies vary!

 

Conclusion

Choosing the right insurance in Kenya as an expat is crucial for peace of mind. Whether you need health coverage, property protection, or life assurance, these providers offer reliable, expat-friendly options backed by responsive service and flexible plans.