Best Travel Insurance choices for Nigerians: What You Need to Know
Traveling abroad is an exciting experience, whether it’s for vacation, business, education, or medical reasons. But if there’s one thing Nigerian travelers don’t look for, it’s travel insurance. And let’s be real: emergencies don’t announce themselves.
Imagine losing your luggage in Dubai, falling sick in London, or missing your flight in Paris. With proper travel insurance, these problems can’t quickly drain your wallet and ruin your trip. so getting your insurance (travel) is one of the best things to do as a traveller if you want to be at a safe side
In this guide, we’ll break down the best travel insurance options for Nigerians, why you absolutely need it, and how to choose the perfect plan for your next journey.
✈️ Why Travel Insurance is Essential for Nigerians
Many Nigerians believe that “God forbid” is enough protection when traveling abroad. Unfortunately, things like delayed flights, stolen passports, medical emergencies, or trip cancellations happen every day—and they don’t care about your good intentions.
Here’s why travel insurance matters:
- Covers medical expenses abroad
- Protects against lost luggage and personal belongings
- Refunds you for cancelled or delayed trips
- Provides emergency assistance services
- Meets visa requirements (e.g., Schengen, Canada, UK)
Some embassies will even deny your visa if you can’t show proof of valid travel insurance!
🛡️ Best Travel Insurance Companies for Nigerians
Here are some reliable travel insurance providers that cater to Nigerian travelers:
1. AXA Mansard Travel Insurance
Why Nigerians love it:
AXA Mansard is one of the most popular choices for Nigerians. Their travel insurance covers medical emergencies, trip delays, baggage loss, and Schengen visa requirements.
Highlights:
- Affordable pricing
- Covers COVID-19 related issues
- Quick online application
- Accepted for Schengen visa applications
Best for: Schengen and international trips.
2. Leadway Assurance Travel Insurance
Why Nigerians love it:
Leadway is a trusted Nigerian brand offering strong coverage for both business and leisure travelers.
Highlights:
- Emergency medical evacuation
- Baggage loss coverage
- Personal accident protection
- 24/7 assistance hotline
Best for: Business travelers and corporate trips.
3. Mutual Benefits Assurance
Why Nigerians love it:
If you want budget-friendly insurance without sacrificing coverage, Mutual Benefits is a great option.
Highlights:
- Affordable plans
- Wide geographical coverage (Europe, Asia, America)
- Quick claims processing
Best for: Budget-conscious travelers.
4. Allianz Nigeria (through Allianz Care)
Why Nigerians love it:
Allianz is a global insurance giant known for comprehensive international travel coverage.
Highlights:
- Worldwide coverage
- Higher medical expense limits
- Easy online purchase
- Great customer support abroad
Best for: Frequent international travelers.
5. World Nomads Travel Insurance
Why Nigerians love it:
Although not a local Nigerian company, World Nomads accepts Nigerian travelers and is ideal for adventurous trips like hiking, skiing, or backpacking.
Highlights:
- Covers adventure sports
- Medical and evacuation coverage
- Flexible plans for long-term travelers
Best for: Nigerian students and adventurers abroad.
🧳 How to Choose the Right Travel Insurance Plan
When picking a plan, here’s what Nigerians should consider:
- Destination Requirements: (e.g., Europe requires minimum medical coverage for Schengen visas)
- Trip Duration: (Some plans are better for short trips, others for long stays)
- Coverage Limits: (Especially for medical expenses and baggage loss)
- Special Needs: (e.g., if you’re pregnant, elderly, or traveling for extreme sports)
- Customer Reviews: (Always check real customer feedback)
💳 How to Buy Travel Insurance in Nigeria
Getting your travel insurance in Nigeria is easier than ever! Here’s how to get them :
- Visit the insurance company’s website (e.g., AXA Mansard, Leadway).
- Choose your plan based on your trip details.
- Fill in your travel dates, destination, and personal info.
- Make payment online via bank transfer, card, or USSD.
- Receive your insurance certificate via email.
Tip: Some travel agents and visa processing companies also offer package deals with travel insurance included.
🏆 Thoughts
If you want or are planning a trip abroad and haven’t considered getting travel insurance, now’s the time. A few thousand naira today can save you from paying millions tomorrow.
Whether you’re jetting off to Canada, exploring Europe, or attending a conference in South Africa, protect yourself with the best travel insurance option that suits your needs.
Ready to travel smart? Share this article with your fellow Nigerian travelers and stay protected!
