If you have to return home early from Kenya due to unforeseen events, trip interruption travel insurance can reimburse you for unused, prepaid, nonrefundable trip costs you paid for in advance.
For instance, if a family member back home is seriously injured in an accident, you can leave Kenya before your planned departure date and file a trip interruption insurance claim. Typical costs you can file a claim for include airfare, accommodations and excursions, for example, trip cancellation benefits can also pay for your last-minute flight home.
“Interruption for Any Reason” Travel Insurance
Some travel insurance companies offer “interruption for any reason” (IFAR) travel insurance as an upgrade to a base travel insurance policy.
IFAR lets you cut a trip short regardless of the reason and provides up to 75% reimbursement of forfeited, nonrefundable trip costs. You usually must be at least 48 hours or 72 hours into your trip to be eligible for IFAR benefits, depending on your policy.
You generally have 15 to 20 days from the time you book your trip to buy IFAR and it typically adds 3% to 10% to the cost of your travel insurance.
IFAR isn’t sold by all travel insurance companies, but it’s available on some travel insurance policies sold by Nationwide, Seven Corners, and WorldTrips.