Schengen states require travel medical insurance with a minimum of 30,000 euros of cover, valid across all member states for the whole period of stay, including repatriation. It is also one of the easiest documents to get wrong, because Nairobi has a steady trade in cheap certificates that do not correspond to a real policy. A rejected certificate can sink an otherwise complete application. We place genuine, verifiable cover.
Where to find us
Neehari Global Limited
One Africa Place, Waiyaki Way, Westlands
Nairobi, 00100
Kenya
Our map is at the bottom of every page.
Who this service is for
We handle travel insurance for visa applications for a wide range of travellers, and the right approach differs considerably between them. A salaried employee with a five-year employment history and a self-employed trader with no payslips need entirely different files, even for the same destination on the same dates. If you recognise yourself below, we have done this many times before.
- Every Schengen visa applicant, without exception
- Travellers to destinations that require proof of medical cover
- Students needing cover for the duration of a course
- Families and groups travelling together
- Frequent business travellers wanting annual multi-trip cover
How long it takes
Certificates are typically issued the same working day once details and payment are confirmed, so insurance should never be the reason an application is delayed.
Those are the mission's own processing standards, and they are only half the picture. In Nairobi the binding constraint is usually appointment availability rather than processing: slots at the visa application centres are released in batches, taken within minutes, and at their tightest around the December and August peaks. Build your plan around the date you can actually be seen, not around the published turnaround. We will tell you what is realistically available before you commit to a flight.
How we handle your application
- Free consultation. We establish the correct visa category, the right mission and a realistic date. Getting this wrong at the start costs more than anything else.
- Tailored checklist. You get a document list built for your circumstances, not a generic printout.
- Document review. We check every item for consistency before anything is submitted. See our visa document review service.
- Form completion. We complete the application and send it to you to verify line by line before submission.
- Appointment. We secure the earliest workable slot at the relevant centre - see appointment booking.
- Tracking. We monitor the file and respond to any request for further documents during processing.
- Decision and collection. We tell you what the decision means and what happens next, including passport collection.
What the mission is actually deciding
Nairobi has a long-standing trade in insurance certificates that look correct and correspond to no actual policy. They are cheap, they circulate widely, and consulates here are entirely aware of them. The damage is worse than a rejected document: a certificate the mission cannot verify casts doubt over everything else in the file, and an otherwise strong application can be refused on credibility grounds because of a document that cost a few thousand shillings. The check is simple - can the consulate confirm with the insurer that the policy exists, in your name, for those dates, at that limit? If the answer is not obviously yes, the certificate is worth nothing to you no matter what it says on its face.
After the decision
Keep the policy documents with you while travelling, not just the certificate you submitted. In an actual emergency abroad you need the claims number and the policy reference, and the summary certificate designed for a visa application usually does not carry them.
Why applying from Nairobi is different
Most of the guidance you will find online about travel insurance was written for applicants in Europe or North America, and it quietly assumes things that are not true here. It assumes appointment slots are available within days. It assumes a salaried applicant with a payslip. It assumes a long personal travel history already sitting in the passport. For a great many Kenyan applicants none of those hold, and a file built on that advice will be missing exactly the evidence a consular officer covering this region is looking for.
What actually works from Nairobi is documenting the things that are true about your life rather than mimicking a template: a business rather than an employer, family and property here rather than a long stamp collection, regional travel history rather than European. We build files around that, and we do it for clients across the city - from Nairobi CBD to Kilimani and Karen.
Is this the right category for your trip?
Travel insurance is a supporting document, not an application in itself. It is mandatory for Schengen, strongly advisable everywhere else, and it is the cheapest part of any application to get right.
What you pay, and what it covers
There are two separate costs in any visa application and it is worth keeping them apart. The first is the mission's own visa fee, plus any visa centre service charge and optional priority fee. That money goes to them, is set by them, changes periodically, and is not refundable if the application is refused. The second is our consultancy fee, which covers the consultation, the tailored checklist, document review, form completion, appointment booking and tracking of the file through to decision.
We quote both in writing before you commit to anything, and the initial consultation is free. We do not take a percentage of anything, we do not mark up the mission's fees, and we do not charge a success fee - a fee structure that rewards us for a decision we do not control would not be honest. If your case is one where you genuinely do not need us, we will say so.
Travel Insurance clients across Nairobi
We handle travel insurance applications for clients right across the city. A large share of this work comes from Nairobi CBD, where cbd enquiries skew towards tourist and family-visit applications, plus business visas for traders sourcing stock in india, china and dubai. We also see steady demand from clients in Kilimani, and from Karen and the surrounding neighbourhoods. Wherever you are in Nairobi, most of the process runs over email and WhatsApp - you only need to attend the visa centre in person for biometrics.
We also serve these areas
Frequently asked questions
What exactly does Schengen require?
Travel medical insurance of at least 30,000 euros, valid in all Schengen member states, covering the entire period of stay, and including emergency medical treatment, hospitalisation and repatriation.
Can I use my employer's medical cover?
Only if it explicitly covers you outside Kenya to the required limit and the insurer will issue a certificate in the consulate's expected format. Most local corporate schemes do not.
What if my visa is refused - do I get the premium back?
Many policies designed for visa applications provide a refund on presentation of the refusal letter. We will tell you before you buy whether the policy we are placing does.
Do I need insurance for a UK or Canadian visa?
It is not a mandatory condition of the visa in the way it is for Schengen, but it is strongly advisable and it supports your application by showing the trip is properly planned.
Can you cover a whole family on one certificate?
Yes. Family and group policies are straightforward, and usually cheaper than individual certificates.
Does the insurance need to be in my name?
Yes, and spelled exactly as it appears in your passport. A mismatch between the certificate and the passport is treated the same as a missing document.
Can I extend the policy if my trip is extended?
Usually yes if you arrange it before the original policy expires. Once it has lapsed you are generally buying a new policy, which may not cover anything that began during the gap.
Is the cheapest compliant policy good enough for the visa?
For the visa, yes - the consulate checks the limit, the geography and the dates. For your own protection it may not be, and we will point out where the exclusions sit before you decide.
Related services
What we commit to
Local SEO copy is cheap and promises are cheaper, so here is what we will actually hold ourselves to. We quote our fee and the mission's separate fees in writing before you pay anything, and the first consultation costs nothing. We do not guarantee approvals, because the decision belongs to a consular officer and no consultant controls it - anyone in Nairobi telling you otherwise is either selling something or planning to blame the embassy later.
We will not produce documents on your behalf, invent employment, or supply an insurance certificate that does not correspond to a real policy. Those are the fastest routes to a deception finding and a multi-year ban, and they end careers as well as trips. If we think your case is straightforward enough to file yourself, we will say so and charge you for the review rather than the full service. And if we think a deadline genuinely cannot be met, you will hear that on the first call rather than the week before you fly.
Ready to start your travel insurance?
Free initial consultation. We reply on WhatsApp within a few hours on business days.
Get in touch. Start early. It costs nothing to ask. The first consultation is free. Speak to a consultant today. Documents matter more than promises. Our office is in Westlands, Nairobi. Most of the process happens remotely. Bring your passport and recent bank statements. Ask us before you buy a ticket. We quote all fees in writing beforehand. You attend in person only for biometrics. No approval is ever guaranteed, by us or anyone else. Every application is handled by a named consultant. We will tell you honestly what is achievable. We reply on WhatsApp within a few hours on business days.