How to Get a Travel Insurance Plan That Covers African Destinations 

Traveling across Africa as a Nigerian can be an exciting and life-changing experience. From Sudan’s historic pyramids to the wildlife safaris in Kenya and the beaches of Zanzibar, the continent has many places that offer cultural experiences and adventure. However, travel also brings uncertainties. Accidents, sudden illnesses, lost baggage, or flight cancellations can turn a dream trip into a financial and emotional struggle. 

This is why obtaining a travel insurance plan that covers African destinations is essential. For Nigerians who often face complex visa requirements, proof of travel insurance is increasingly a must when applying for visas to many African countries. 

In this article, we will explore in detail what travel insurance is, why it is important for Nigerian travelers in Africa, the types of plans available, their costs, top providers, and a step-by-step process for securing the right policy. 

What is Travel Insurance? 

Travel insurance is a contract between you and an insurance provider that protects you against financial losses while traveling. Depending on the policy you choose, travel insurance can cover: 

• Medical expenses abroad if you get sick or injured.
• Trip cancellations or interruptions due to emergencies.
• Lost or stolen luggage, money, or documents.
• Emergency evacuation if there is political unrest or a natural disaster.
• Personal liability if you accidentally harm someone else. 

The difference between a local Nigerian insurance policy and an international travel insurance policy is in the coverage. Local health insurance in Nigeria usually does not extend beyond national borders, while international travel insurance is designed specifically to cover you in foreign countries, including those in Africa. 

Why Travel Insurance is Important for Nigerians Visiting African Destinations 

Many Nigerians underestimate the importance of travel insurance when visiting African countries because they believe medical costs and risks will be similar to those in Nigeria. However, this is often not the case. 

1. Medical Emergencies: Healthcare can be pricey for foreigners in many African countries. For example, treatment at private hospitals in South Africa or Kenya can cost thousands of dollars. Without insurance, a minor accident could deplete your finances. 
2. Lost Baggage or Documents: Misplacing your passport or luggage while traveling can be stressful. Insurance helps cover replacement costs and emergency purchases of essentials.
3. Flight Delays and Cancellations: Air travel in Africa is improving, but it can still have unexpected delays or cancellations. Insurance can reimburse you for hotel stays and meals when your trip is disrupted.
4. Political Instability: Some African nations occasionally face protests, strikes, or unrest. A good insurance plan can cover evacuation or early return costs in these situations.
5. Visa Requirements: Several African countries, like Morocco, Seychelles, and Rwanda, now require proof of travel insurance before issuing visas. 

Types of Travel Insurance Plans for African Destinations 

When searching for travel insurance, Nigerians should consider their travel style and how often they travel. Common types include: 

1. Single-Trip Insurance: Best for short vacations, covering only one journey.
2. Multi-Trip Insurance: Great for frequent travelers across Africa, like businesspeople.
3. Student Travel Insurance: Covers Nigerian students attending schools or exchange programs in African countries.
4. Business Travel Insurance: Includes additional benefits for missed meetings or conferences.
5. Family or Group Insurance: Offers bundled coverage for groups traveling together, often at a lower cost than buying individually.
6. Long-Stay Insurance: Ideal for Nigerians relocating temporarily to another African country for work or studies. 

Key Features to Look For in a Travel Insurance Plan 

When comparing policies, Nigerians should pay attention to: 

1. Medical Coverage Limit: A limit of at least $50,000 to $100,000 is recommended.
2. Emergency Evacuation: Confirm if it covers air ambulance services.
3. Adventure Activities Coverage: Basic policies may not include activities like safaris, hiking Kilimanjaro, or diving in Zanzibar.
4. Repatriation of Remains: Covers the costs of returning a body to Nigeria in case of death abroad.
5. 24/7 Global Assistance: Essential for emergencies. 

Top Travel Insurance Providers for Nigerians Visiting African Countries 

1. Local Nigerian Providers: 

• Leadway Assurance
• AXA Mansard
• AIICO Insurance 

2. International Providers: 

• Allianz Global Assistance
• AXA Schengen
• World Nomads
• Travel Guard 

3. Bank-Linked Offers: Some Nigerian banks, like GTBank and Zenith, partner with insurance firms to provide bundled travel insurance. 

4. Online Platforms: Websites like Travelstart and Wakanow allow Nigerian travelers to purchase travel insurance along with flight bookings. 

How Much Does Travel Insurance for African Destinations Cost? 

Costs vary based on factors like trip duration, destination, age, and type of coverage. 

• Short Trips (7 to 14 days): ₦10,000 to ₦25,000 ($10 to $25).
• One-Month Coverage: ₦30,000 to ₦60,000 ($30 to $60).
• Long-Stay Plans (3 to 6 months): ₦100,000 to ₦200,000 ($100 to $200). 

For high-risk activities or senior travelers, costs may be higher. 

How to Get a Travel Insurance Plan That Covers African Destinations 

1. Research Providers: Look into local and international companies.
2. Compare Policies: Focus on coverage limits and exclusions.
3. Request a Quote: Provide trip details and personal information.
4. Submit Documents: Include a passport copy, travel itinerary, and visa application if needed.
5. Make Payment: Use bank transfer, debit card, or online platforms.
6. Receive Certificate: Keep both a digital and printed copy for visa and border checks.

Travel Insurance Requirements for African Visa Applications 

Countries like Morocco, Rwanda, Seychelles, and Tunisia require proof of travel insurance for visa approval. Even when not mandatory, embassies often recommend it. Not having insurance could lead to visa denial. 

Tips for Choosing the Best Travel Insurance Plan as a Nigerian 

• Always opt for higher medical coverage limits.
• Ensure the company offers 24/7 multilingual assistance.
• Check online reviews regarding their claim settlement history.
• Read exclusions carefully, such as pre-existing medical conditions, terrorism, or adventure sports. 

Common Mistakes Nigerians Make When Buying Travel Insurance 

• Purchasing the cheapest plan without checking coverage.
• Overlooking policy exclusions.
• Failing to declare pre-existing medical conditions.
• Buying insurance last minute at the airport. 

How to Make a Claim on Your Travel Insurance While in Africa 

1. Call the Emergency Number listed on your insurance certificate.
2. Provide your policy number to verify coverage.
3. Gather documents like medical records, police reports (if theft), and receipts.
4. Submit your claim online or by email.
5. Track the settlement timeline, which usually takes 7 to 30 working days.

Frequently Asked Questions (FAQ) 

Q: Do I need insurance for short trips within Africa?   

A: Yes. Even a 3-day trip can go sideways with accidents or lost baggage. 

Q: Can I buy insurance after leaving Nigeria?   

A: Most insurers require you to purchase before departure, though some online providers may allow late purchase with waiting periods. 

Q: Is COVID-19 covered?   

A: Yes, but only with updated policies that include pandemic coverage. 

Q: What if I travel to multiple countries on one trip?   

A: Purchase a regional or multi-country policy that lists all destinations. 

For Nigerian travelers, securing a travel insurance plan that covers African destinations is not merely about adhering to visa rules; it is about protecting your health, finances, and peace of mind while exploring the continent. Whether facing medical emergencies, lost luggage, or unexpected political events, insurance allows you to enjoy Africa’s beauty without worrying about financial setbacks. 

So, whether you’re planning a safari in Kenya, a cultural visit to Morocco, or a beach getaway in Zanzibar, make travel insurance the first item on your checklist. It could be the difference between a smooth trip and a disaster.