Travelling abroad can be an exciting adventure, but it also comes with potential risks and uncertainties. To safeguard yourself from unexpected financial losses and emergencies during your trips, travel insurance is your best ally. This blog is tailored for our travel technology users, providing essential information about travel insurance, its benefits, and why travel agencies should offer it to their clients.

Why Do I Need Travel Insurance?

1. Trip Cancellation and Flight Delay:
Travel insurance protects you from financial losses in case your trip gets cancelled or your flight is significantly delayed due to unforeseen circumstances beyond your control.

2. Emergency Medical Expenses:
Medical emergencies can occur anytime during travel. Travel insurance covers the costs of medical treatment, emergency medical evacuation, and repatriation in case of demise.

3. Hospital Allowance:
If you require hospitalization due to an accident, injury, or illness covered under the policy, travel insurance can reimburse your expenses.

4. Personal Accident:
Travel insurance provides coverage for accidents resulting in injuries, loss of limbs, loss of sight, or death.

5. Loss of Luggage or Damage:
In case your luggage is lost, delayed, or damaged by an airline, travel insurance covers the cost of replacing essential items.

6. Passport and Document Replacement:
If you lose your travel documents, travel insurance assists in obtaining replacements.

7. Personal Liability:
Travel insurance protects you from legal liabilities for accidental injuries to third parties or accidental damage to their property.

8. Legal Expenses:
In the event of legal proceedings abroad for physical injury or death during travel, travel insurance can cover the associated legal costs.

What Else Should I Know About Travel Insurance?

Beyond the basic coverage, travel insurance can offer additional benefits at a minimal fee, such as coverage for terrorism and COVID-19. Before selecting a plan, travellers should assess their needs and budget, seeking guidance from travel consultants if necessary. In Kenya, some reputable travel insurance providers include ICEA Lion and Heritage Insurance.

Why Should Travel Agencies Offer Travel Insurance?

1. Client Satisfaction and Loyalty:
By offering travel insurance, travel agencies enhance the level of service and care for their clients. Satisfied customers are more likely to return for future bookings and recommend the agency to others.

2. Risk Mitigation:
Travel agencies face various risks in the industry, but by recommending travel insurance to clients, they can mitigate potential financial losses from trip cancellations and disruptions.

3. Liability Protection:
Travel agencies can transfer some liability to the insurance provider, protecting their financial interests in case issues arise during a client’s trip.

4. Competitive Advantage:
Offering travel insurance sets a travel agency apart from competitors and attracts more clients seeking comprehensive services.

5. Revenue Generation:
Selling travel insurance policies provides an additional revenue stream for travel agencies, contributing to their financial success.

6. Assistance Services:
Many travel insurance policies include 24/7 emergency assistance services, offering additional support during travel-related emergencies and enhancing the overall travel experience.


Travel insurance is a vital component of any travel plan, providing financial protection and peace of mind during international journeys. For travel technology users, understanding the benefits of travel insurance is crucial for a safe and enjoyable travel experience. Additionally, travel agencies can benefit from offering travel insurance, as it fosters client satisfaction, reduces risks, and adds a competitive edge to their services. By working together, travel insurance and travel agencies create a harmonious and secure travel ecosystem for travellers worldwide.

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