How to Get a Travel Insurance in Nigeria for International Travels

Travel insurance is a crucial component of planning for any international trip, protecting against unexpected events such as medical emergencies, trip cancellations, lost luggage, and other potential mishaps. For travelers from Nigeria, obtaining adequate travel insurance can be straightforward if approached with the right information and preparation. This article outlines the essential steps, considerations, and options for acquiring travel insurance for international travel from Nigeria. 

Understanding Travel Insurance 

Travel insurance typically covers a variety of risks associated with traveling. The key areas of coverage include: 

1. Medical Expenses: Coverage for emergency medical treatment and hospitalization abroad. 
2. Trip Cancellation/Interruption: Reimbursement for prepaid, non-refundable expenses if the trip is canceled or cut short due to covered reasons. 
3. Lost or Delayed Baggage: Compensation for personal belongings if luggage is lost, stolen, or delayed. 
4. Travel Delays: Coverage for additional expenses incurred due to travel delays. 
5. Personal Liability: Protection against legal liability for bodily injuries or property damage to others. 

Steps To Get a Travel Insurance in Nigeria 

1. Assess Your Needs

Before purchasing travel insurance, assess your travel plans and personal needs. Consider the following: 

• Destination: Some destinations may have higher medical costs or specific risks that require additional coverage. 
• Duration: The length of your trip can impact the cost and type of insurance you need. 
• Activities: If you plan on engaging in high-risk activities like skiing or scuba diving, ensure your policy covers these activities. 
• Existing Coverage: Check if your current health insurance or credit card offers any travel-related benefits. 

2. Compare Insurance Providers

There are several reputable insurance companies in Nigeria offering travel insurance. Some of the well-known providers include: 

• AXA Mansard Insurance 
• Leadway Assurance 
• AIICO Insurance 
• Mutual Benefits Assurance 
• Zenith Insurance 

Comparing policies from different providers can help you find the best coverage at the most competitive price. Key factors to consider during comparison include: 

• Coverage Limits: Ensure the policy provides sufficient coverage for medical expenses and other key areas. 
• Exclusions: Be aware of what is not covered by the policy. 
• Premium Costs: Compare the cost of premiums relative to the coverage offered. 
• Customer Service: Look for providers with good customer service and support, especially for international assistance. 

3. Understand Policy Details

Before purchasing a policy, read the terms and conditions carefully. Pay special attention to: 

• Policy Limits and Sub-limits: Understand the maximum amount payable for different types of claims. 
• Deductibles: Check if there are any deductibles that you need to pay out-of-pocket before the insurance kicks in. 
• Claim Process: Familiarize yourself with the procedure for filing claims and the required documentation. 

4. Purchase the Policy

Once you have selected a suitable travel insurance policy, you can purchase it through various channels: 

• Online: Most insurance providers offer online platforms where you can compare policies, get quotes, and make purchases. 
• Insurance Brokers: You can use the services of an insurance broker who can provide expert advice and help you find the best policy. 
• In-Person: Visit the offices of insurance companies or their agents to buy a policy directly. 

Ensure that you provide accurate information during the purchase process to avoid complications when making a claim. 

5. Keep Your Documentation Handy

After purchasing travel insurance, keep all related documents accessible. This includes: 

• Policy Document: A copy of the insurance policy detailing the coverage and terms. 
• Contact Information: Emergency contact numbers for the insurance provider. 
• Receipts and Proof of Purchase: Keep receipts for your travel expenses and other related documents that might be required for claims. 

Additional Considerations 

Schengen Visa Requirements 

For Nigerians traveling to Schengen countries, travel insurance is mandatory. The insurance must meet specific requirements: 

• Minimum Coverage: At least €30,000 for medical expenses. 
• Validity: Must be valid for the entire duration of the stay in the Schengen area. 
• Coverage Area: Must cover all Schengen countries. 

Ensure that your travel insurance policy meets these requirements before applying for a Schengen visa. 

COVID-19 Coverage 

In the wake of the COVID-19 pandemic, many countries now require travel insurance that covers COVID-19 related medical expenses. Check if your policy includes: 

• Medical Treatment: Coverage for treatment if you contract COVID-19 while traveling. 
• Quarantine Costs: Coverage for additional accommodation expenses if you are required to quarantine. 
• Trip Cancellation: Reimbursement if you need to cancel your trip due to COVID-19. 

High-Risk Activities 

If your travel plans include activities like skiing, mountain climbing, or scuba diving, ensure that your insurance policy covers these activities. Standard policies may exclude high-risk activities, so you might need to purchase additional coverage. 

Family and Group Travel 

If traveling with family or in a group, consider a policy that covers multiple travelers. Family and group policies can be more cost-effective than purchasing individual policies for each traveler. 

Renewability and Extension 

For long-term trips, check if your policy can be extended or renewed while you are abroad. Some policies allow for extensions, which can be useful if your plans change. 

Making a Claim 

If you need to make a claim, follow these steps: 

1. Contact Your Insurer: Notify your insurance provider as soon as possible. 
2. Gather Documentation: Collect all necessary documents, such as medical reports, police reports (for theft), and receipts. 
3. Submit the Claim: Follow the insurer’s procedures for submitting a claim, ensuring all required documents are included. 
4. Follow Up: Keep in touch with the insurance provider to track the status of your claim and provide any additional information if needed. 

Securing travel insurance for international trips is essential for peace of mind and financial protection. By assessing your needs, comparing providers, understanding policy details, and keeping documentation handy, you can ensure a smooth process. Whether it’s meeting visa requirements, covering COVID-19 related expenses, or ensuring coverage for high-risk activities, the right travel insurance policy can make all the difference in having a safe and enjoyable journey. For Nigerians, following these guidelines will help in obtaining the best travel insurance tailored to your specific travel plans and needs.