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by Fred Black Team
24 Sep, 2026
Insurance Insights

What Travel Insurance Actually Covers (And What It Doesn't)

Travel insurance is cheap peace of mind — until you assume it covers something it doesn't.

Standard cover includes emergency medical expenses abroad, evacuation and repatriation, trip cancellation and curtailment, lost or delayed baggage, and personal liability. Schengen and other visa applications often require proof of medical cover, which we can arrange same-day.

"Medical emergencies, cancellations, lost bags — and the exclusions that catch travellers out."
Fred Black Insurance Brokers Nairobi, Kenya

The exclusions matter too: pre-existing medical conditions are often excluded unless declared; high-risk activities like skiing or diving may need extensions; and claims linked to alcohol or unattended luggage are commonly declined.

Declare everything honestly, choose limits that match your destination's medical costs (the US is very different from regional travel), and travel with your policy documents. Ask us — we arrange single-trip, annual and family travel cover in one phone call.

What Travel Insurance Actually Covers (And What It Doesn't)
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Fred Black
Insurance Brokers
Fred Black Insurance Brokers Ltd

One of East Africa's foremost independent insurance brokers — partnered with A-Rated London-based insurers to deliver tailored coverage for personal, business and specialist risks.