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Mufasa Insurance Agencies arranges travel insurance across Kwale County - Kwale, Diani / Ukunda, Msambweni, Lunga Lunga and every town in between. Kwale combines Diani's beach tourism with large-scale titanium mining at Base Titanium and a sizeable smallholder farming population. With commercial farming, lake fishing and tourism driving the local economy, the cover that makes sense here is specific to Kwale. We are IRA-licensed, we place with Kenya's major underwriters, and quotes come back the same working day over WhatsApp.
Why Kwale Is Different
Whether you are flying out of Nairobi or Mombasa, cover starts when you leave home, not at the airport. Medical treatment abroad is the benefit that matters - the rest is useful, but a hospital bill overseas is what actually ruins a trip.
Schengen visa applications require minimum medical cover of EUR 30,000 including repatriation. We issue compliant certificates the same day in the format embassies accept, which is usually the piece people leave to the last minute.
Adventure sports, pre-existing conditions and travel against medical advice are commonly excluded. If you are climbing, diving or competing, tell us - the cover exists, it just needs to be arranged deliberately.
Coverage Details
Hospital treatment, surgery, and doctor fees incurred due to illness or injury while traveling.
Air ambulance and medical evacuation to the nearest suitable hospital or back to Kenya.
Refund of prepaid, non-refundable travel costs if you must cancel due to illness, injury, or covered events.
Compensation for lost, stolen, or significantly delayed checked luggage.
Daily allowance for meals and accommodation if your flight is delayed by more than 6 hours.
Legal costs and damages if you accidentally injure someone or damage property while abroad.
Covers emergency passport replacement costs if your passport is lost or stolen while traveling.
Our plans meet Schengen visa insurance requirements for travel to Europe.
The Process
Destination, travel dates, number of travelers, and any special needs.
Pay via M-Pesa or card and receive your travel insurance certificate via email within minutes.
Keep our emergency helpline number saved. We're available 24/7 wherever you are in the world.
Questions
Send us a WhatsApp message or call +254 117 435 865 with the basic details of what you need covered. We come back with quotes from several underwriters the same working day, you pick one, pay by M-Pesa or bank transfer, and we issue the documents. Nothing requires you to travel to Nairobi.
We are based in Runda, Nairobi and serve Kwale County remotely, which is how most insurance in Kenya is now arranged. Quotes, payment and document issue all happen by phone, WhatsApp and email. When there is a claim, assessors are appointed locally in Kwale.
Same day in most cases. Motor certificates, travel certificates and medical cover notes are issued electronically as soon as payment reflects, so you are covered before the documents reach your inbox.
Yes. Schengen countries require proof of travel insurance with minimum medical cover of €30,000 as part of the visa application. We issue Schengen-compliant policies.
In most cases, no, travel insurance must be purchased before departure. Contact us for exceptions or if you need to extend an existing policy mid-trip.
Emergency treatment for pre-existing conditions is often excluded unless you purchase a plan that specifically includes it. Declare all conditions when applying.
Call our 24/7 emergency line immediately. We coordinate with local hospitals, handle billing directly where possible, and arrange evacuation if needed.
Yes. We offer domestic travel policies covering road, rail, and internal air travel within Kenya, useful for frequent upcountry travelers.
Free quotes from several underwriters, back the same working day. Pay by M-Pesa and your documents are issued electronically.