Cover includes: emergency medical treatment and hospitalisation abroad, medical evacuation and repatriation to Kenya, trip cancellation and curtailment (reimbursement of non-refundable costs), delayed departure compensation, lost, stolen, or delayed baggage cover, personal liability cover while travelling, accidental death and disability benefit while travelling, and emergency legal assistance. Increasingly required for Schengen visa applications and some other visa types. Available as single-trip or annual multi-trip policies — frequent travellers (3+ trips per year) save significantly with an annual policy.