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Travel insurance — your price in one minute
Medical expenses abroad, repatriation, luggage and trip cancellation for Lebanese travelling abroad (Schengen visa accepted), or hospital cover for visitors coming to Lebanon. Three insurers, AROPE, Sécurité Assurance and SIA, priced side by side per person on age, destination and length of trip, COVID-19 included.
Premiums are from each insurer's own tariff, in US dollars per person for the whole trip. The policy is issued by the insurer you pick before departure; Kite Insurance Broker handles the whole process for you at no extra cost.
Premium per person in US dollars for the whole trip, from each insurer's own tariff.
What you should know
AROPE — what the policy covers
| Medical expenses and assistance abroad, including during transportation | Up to the sum insured chosen |
| Transport or repatriation after illness or accident | Up to the sum insured chosen |
| Repatriation of mortal remains | Actual expenses, within the policy limit |
| Emergency dental treatment | USD 1,000.00 |
| Return ticket and accommodation for one family member visiting the hospitalised insured | Economy air or 1st-class rail ticket, plus up to USD 100.00 a day (5-day deductible, 15 days max) |
| Repatriation of a family member travelling with the insured (death or hospitalisation over 5 days) | Economy air or 1st-class rail ticket |
| Emergency return home after the death of a close family member | Economy air or 1st-class rail ticket |
| Assistance to declared minor children and return home | Economy air or 1st-class rail ticket, qualified attendant free of charge |
| Legal assistance (attorney fees) | USD 5,000.00 |
| Loss of registered luggage | USD 500.00 per bag, up to USD 1,000.00 |
| Delay in delivery of luggage (over 12 hours) | Up to USD 300.00 |
| Delay in flight departure (over 8 hours) | Up to USD 150.00 |
| Cancellation and curtailment | Up to USD 2,500.00 |
| Baggage and personal effects | USD 2,500.00 per person, USD 3,000.00 per event, max USD 300.00 per item, USD 40.00 deductible |
| Advance of funds | USD 1,000.00 |
| Personal liability | USD 10,000.00 including legal expenses up to USD 5,000.00 |
| Urgent dispatch of medications and messages, general information service | Actual expenses / free of charge |
- Premium is per person; USD 2.00 fixed stamps are added per policy.
- Maximum 90 consecutive days per trip, even on 6-month, 1-year and 2-year policies.
- The cover excludes the country of residence and the country of origin of the insured.
- Winter or summer sports (skiing, jet ski, water skiing and the like) cost 25% more, rounded up, and must be approved by AROPE beforehand.
- COVID-19 medical expenses abroad are covered up to the plan limit; PCR tests are not. A negative test before departure is required as proof at claim time.
- The insured must contact the emergency assistance service before any treatment; claims paid without that contact are not reimbursed.
- Maximum indemnity for all insured hurt in the same accident: USD 500,000.00, whatever the number of persons or policies.
- The policy is not renewable or extendable once its duration is over; a new policy is issued.
- Documents: copy of each passport, trip dates, emergency contact name, address and phone.
- Europe means: Albania, Austria, Belgium, Bulgaria, Cyprus, Czech Republic, Denmark, Estonia, ex-Yugoslavia, Finland, France, Germany, Greece, Great Britain, Hungary, Ireland, Italy, Iceland, Latvia, Lithuania, Poland, Luxembourg, Malta, Moldavia, Netherlands, Norway, Portugal, Romania, Spain, Slovak Republic, Sweden, Switzerland, Turkey.
- Groups travelling together on one policy: 5% off above 20 persons, 10% off above 50 persons, 15% off above 100 persons.
Sécurité Assurance Travel Safe — what the policy covers
| Medical expenses during hospitalisation | 70,000.00 / 100,000.00 / 150,000.00 (Silver / Silver Plus / Platinum) |
| Medical expenses related to COVID-19 | 35,000.00 / 50,000.00 / 75,000.00 |
| Emergency medical evacuation and repatriation | 1,000,000.00 each, all plans |
| Transportation of mortal remains | 1,000,000.00 |
| Compassionate visit / return of minor children | 10,000.00 each |
| Convalescence expenses | 1,000.00 |
| Dental emergency after accident | 500.00 / 500.00 / 750.00 |
| Sea and mountain rescue | 25,000.00 / 25,000.00 / 50,000.00 |
| Quarantine expenses | 70.00 per day, up to 5 days |
| Loss of passport | 100.00 / 300.00 / 500.00 |
| Luggage delay (after 12 hours) | 250.00 / 300.00 / 500.00 |
| Luggage loss per kg, up to 40 kg (after 21 days) | 15.00 / 20.00 / 25.00 |
| Flight delay (after 4 hours) | 100.00 / 150.00 / 250.00 |
| Trip cancellation, up to age 70 | 2,000.00 / 4,000.00 / 5,000.00 (family up to 4,500.00, groups over 20 up to 10,000.00) |
| Trip curtailment | 100.00 / 250.00 / 500.00 |
| Changes in ticket or postponed flight | 100.00 |
| Death by accident on a common carrier | 25,000.00 / 50,000.00 / 75,000.00 |
| Medical assistance line, hospital admission, translation, medicine delivery, document delivery | Free service |
- Premium is per person in Fresh USD. Silver and Silver Plus are not valid in the USA, Canada, Australia and Japan; Platinum is worldwide.
- Maximum 92 days per trip. The 184-day and one-year policies come as multiple trips (each trip up to 92 days) or as one consecutive stay.
- Age factors: up to 12 half premium; 13 to 65 standard; 66 to 70 premium x 1.5 with a deductible of 300.00 (Platinum 450.00); 71 to 75 x 2 with 1,500.00 (Platinum 2,000.00); 76 to 86 x 4 with 3,000.00 (Platinum 4,000.00).
- Winter or summer sports: premium x 1.5, up to age 70. Removing the deductible: premium x 1.15, up to age 70.
- Where the destination airport requires a PCR test on arrival, a negative test is needed to be covered; otherwise a 72-hour waiting period applies.
- Trip cancellation is available up to age 70.
SIA Going Places (Swan assistance) — what the policy covers
| Emergency medical expenses | 65,000.00 / 100,000.00 / 200,000.00 (Basic / Advanced / Premium) |
| Medical expenses due to COVID-19 | 35,000.00 outside USA, Canada, Japan and Australia; 20,000.00 inside |
| Emergency evacuation and repatriation after serious illness or accident | Real cost |
| Evacuation and repatriation due to COVID-19 | 35,000.00 outside USA, Canada, Japan and Australia; 20,000.00 inside |
| Repatriation of mortal remains | Real cost |
| Return of a minor left alone after hospitalisation over 48 hours | One economy air or regular rail ticket, plus an attendant if necessary |
| Compassionate visit | One round trip plus 60.00 / 80.00 / 100.00 per day up to 10 days |
| Convalescence expenses | 500.00 / 750.00 / 1,500.00 |
| Dental emergency | 300.00 / 600.00 / 750.00 |
| Terrorism (up to 62 days) | 1,000.00 / 2,500.00 / 5,000.00 |
| Sea and mountain search and rescue | 15,000.00 / 20,000.00 / 25,000.00 |
| Winter sports | Not covered / 5,000.00 / 10,000.00 |
| Loss of passport | 100.00 / 200.00 / 300.00 |
| Delay of checked baggage | 100.00 / 300.00 / 500.00 |
| Loss of checked baggage | 800.00 / 1,000.00 / 1,200.00 |
| Trip cancellation, up to age 70 | 2,000.00 / 5,000.00 / 5,000.00 |
| Trip curtailment, up to age 70 | 300.00 / 500.00 / 1,000.00 |
| Flight cancellation (6 hours excess) | 150.00 / 200.00 / 200.00 |
| Catastrophe | 500.00 / 750.00 / 1,000.00 |
| Personal liability | 10,000.00 / 20,000.00 / 25,000.00 |
| Legal expenses | 2,500.00 / 3,000.00 / 5,000.00 |
| Advance of bail bond | 5,000.00 / 5,000.00 / 10,000.00 |
| Death by accident on a common carrier | Not covered / 10,000.00 / 25,000.00 |
| 24-hour assistance, delivery of medicines, urgent messages, medical referral, connection services | Free service |
- All plans meet the Schengen visa requirement. Going Basic is sold for trips to Europe only (Kite, 07/10/2026). For worldwide trips SIA offers Advanced and Premium, with one price excluding USA, Canada, Japan and Australia and a higher one including them.
- Premium is per person up to age 70. Ages 71 to 75 add 50%, 76 to 80 add 100%, 81 to 86 add 300%.
- Family plan: children under 18 travelling with their parents, the first child is free and the others are half price.
- Sports activities extension up to age 70: premium plus 50%.
- No deductible up to age 70 provided the insured calls Swan International Assistance before treatment.
- Charters, groups and special schemes are quoted by SIA on request.
- Trip cancellation and curtailment are available up to age 70. Please refer to the policy terms for the full conditions.
Visiting Lebanon (AROPE) — what the policy covers
| Medical hospitalisation after sudden illness or accident | Up to USD 30,000.00, USD 100.00 deductible per claim |
| COVID-19 hospitalisation (sub-limit) | Up to USD 15,000.00, USD 100.00 deductible per claim |
| Transport or repatriation to a properly equipped medical facility | Up to USD 30,000.00 |
| Repatriation of mortal remains to the country of residence | Up to USD 30,000.00 |
- For visitors to Lebanon only; the usual country of residence is excluded. Lebanese living abroad must show proof of residence abroad.
- Premium is per person; USD 2.00 policy cost is added per policy. Maximum 91 consecutive days, maximum age 75.
- Age = current year minus year of birth for policies issued January to June; next year minus year of birth for July to December.
- The policy must be issued before the departure date and cannot be extended or renewed at expiry.
- Cover is hospitalisation and repatriation only: no outpatient, no baggage, no cancellation.
- PCR tests are excluded. The insured must call the emergency assistance line before any treatment.
- Documents: copy of each passport with address, phone and e-mail, trip dates, emergency contact.
What happens after you ask for a plan
Kite confirms the price with you on WhatsApp, collects a copy of each passport, the trip dates and an emergency contact, and AROPE issues the policy before departure. You receive the policy and the assistance card by e-mail or WhatsApp; keep the emergency number with you, it must be called before any treatment abroad.
Trips longer than 2 years, travellers over 86, groups above 20 persons and other insurers' travel plans are quoted by Kite on request: WhatsApp +961 3 257 068.
