Travel Insurance in Nigeria: The Ultimate Guide

Why do you need to buy travel insurance? What should you look for in a travel insurance company? What does travel insurance cover? How does travel insurance actually works? These are some of the things you will learn in this write-up.


Travel insurance gets you covered in case you lose any luggage in the course of traveling. It simply means you will not have to be responsible for all the money needed to buy that lost material, item or gadget.

If your electronics or luggage get lost while traveling, the travelling insurance agency will be responsible for buying that item or property back. If they are unable to cover all the items to be bought, they will be responsible for paying for a certain percentage of the said property or item.

Travel agency equally covers your health while traveling. If you become sick while traveling, the insurance company will be responsible for your treatment. If on the other hand you get sick before the flight and you cannot get on that flight, then the insurance company will be responsible for covering any damage such can cause.

They will also be responsible or refunding your ticket fair by liaising with the airline on your behalf.

Travel insurance does not only cover flights; it equally covers other forms of travels. Additionally, they cover your well-being while at the venue you have traveled to.

If for example you travel on holiday or adventure and any mishap occurs while away on the trip, the travel insurance agency will be responsible for your well-being. If you go surfing and you have an accident with sharks for example, the travel insurance agency will be responsible for your care.

If you have an accident while traveling on road, by air, by sea or any other means, you can rely on the travel insurance agencies to be responsible for all your cares.

Such travel insurance cover gives complete piece of mind and gives assurance that you are not alone, no matter what happens. They will be the ones to pay for your hospital bill.

If you are traveling to Europe for example, medical care can be expensive there; ordering for ambulance for example can cost up to 25,000 pounds. Such bill may be too high for you to foot as an individual. You will never have to bear such huge responsibility if you have travel insurance; the insurance agency will be the ones to foot the bills.

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What to look for in a travel insurance agency

Before you pitch your tent with a travel agency, first consider how long they have been in the business. The long standing service providers are far more reliable than the newbie.

These long standing ones would have developed experience over the years and they would understand how to handle all travel insurance needs you may have.

Additionally, the long standing ones would have developed working relationships and connections with quite a number of agencies across the globe, thereby putting them in a better position to handle all travel insurance issues.

Before you pitch your tent with any of the service providers, you may also want to find out how many travel insurance cases they have dealt with in the past.

Find out about their success rate too and also find out from their past clients to have an idea of how satisfactory or otherwise their services.

Find out if they are associated with travel agencies too and you may approach these travel agencies for information about how reliable or otherwise the travel insurance company is.

Before you pitch your tent with any of them, it is equally important to find out how many coverage they provide. Number of travel insurance coverage differs from one travel insurance agency to the other.Take some time to find out about this before you start working with any such outlet.

Additionally, find out if they have good customer service. A good and reliable travel insurance agency will make it easy for clients to contact them. Some of them even provide online chat service to make it easy for their clients to chart with them and get issues resolved without any problem whatsoever.

Things generally covered by insurance agencies are outlined below

  • Medical transport, repatriation and evacuation: Travel insurance make sure emergency medical transport are made available by the nearest medical; facility to attend to the needs of their clients while traveling to any part of the world. Such service is equally provided when you are in Nigeria. They will foot your medical bill and will be responsible for your fare if you need to be repatriated.
  • Delayed or missed flights: Travel insurance agencies equally cover your flight challenges. If you miss your flight for any reason and it negatively affects your travel plan and purpose, the travel insurance company will be responsible for footing the bill and compensating you for the miss. They also stand in for you if your flight is delayed, leading to any form of negative impact on your travel plan; they will compensate you for this too.
  • Activities, sports and adventures: Many travel insurance agencies also cover you when traveling for sporting activities. The type and number of sport and activities covered by these travel insurance agencies differ one from the other. Therefore, it is very important to first discuss with the agency and find out first about what they cover and what they do not cover before you register with them.
  • Overseas medical treatment and hospitalization: You may have need for very urgent medical treatment while traveling. The travel insurance agency will cover for this too. You will never have to pay a dime for such medical treatment. You only need to visit the hospital and get the treatment you need and no one will ever ask you for any payment. The travel agency will be responsible for reimbursing the medical bill. Some travel insurance agencies also cover pre existing medical conditions.
  • Lost luggage and personal items: Before you register with any travel insurance company, find out also if they cover lost luggage and person items. A traveler may fall victim to theft or robbery in the course of the trip. Many travel agencies cover for these too.
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