Short answer: all three meet the Schengen basics, so the choice is about extras. AXA Mansard suits travellers who want global backing and higher medical limits; SanlamAllianz Nigeria suits families and older travellers; Leadway suits those who want a trusted Nigerian brand with delay cover.
Global backing and higher medical limits.
Family, older-traveller and COVID cover.
A trusted domestic brand with delay cover.
| Feature | AXA Mansard | SanlamAllianz Nigeria | Leadway |
|---|---|---|---|
| Backing | Global AXA network | Allianz Global Assistance | Major Nigerian insurer |
| Schengen-compliant (min €30,000) | Yes | Yes | Yes |
| Medical cover | €30,000 to €100,000 by plan | From €30,000 (Schengen plan) | From €30,000 |
| Notable extras | Worldwide family plan, student cover | Free child cover, COVID cover, age up to 80, up to 92 days per trip | Travel-delay and missed-departure cover |
| Assistance | 24-hour assistance, online and office claims | 24-hour global assistance | Embassy-trusted brand |
These figures reflect each provider's own published materials at the time of writing and can change. Our ranking of the best travel insurance for Nigerians sets these providers against the wider market.
A note on "Allianz" in Nigeria. When Nigerian travellers search for "Allianz travel insurance", they are usually looking for SanlamAllianz Nigeria, the local insurer that provides travel cover in partnership with Allianz Global Assistance. It is not a separate standalone "Allianz Nigeria" company. We use the name SanlamAllianz Nigeria throughout this guide for that reason.
AXA Mansard offers travel insurance backed by the global AXA network, with cover its materials describe as accepted by all Schengen embassies. Its Schengen plan meets the minimum €30,000 requirement, and medical cover ranges up to around €100,000 depending on the plan. It also offers a worldwide family plan covering destinations such as the United States, Canada, Japan and Australia, and a student travel option. For travellers who value a globally recognised brand and higher medical limits, it is a strong choice.
SanlamAllianz Nigeria provides travel cover with Allianz Global Assistance behind it, and its plans meet Schengen requirements across all member states. Its stand-out features are breadth of eligibility and extras: free cover for children under 18 travelling with two adults, COVID-19 medical and quarantine-accommodation cover, extended cover for travellers up to 80 years old, and trips of up to 92 days on multi-trip plans. Families, older travellers and anyone who wants COVID cover should look here first.
Leadway Assurance is one of the largest and most established insurers in Nigeria, and its travel plan is widely accepted by embassies. Its cover is Schengen-compliant and includes benefits such as travel-delay and missed-departure cover. For travellers who prefer a long-standing domestic brand with a strong claims reputation, Leadway is a dependable option, though you should confirm its current medical limits and extras against the policy wording.
Compare insurance plans side by side →There is no single best provider; the right one depends on your trip and your travellers.
Whichever you lean towards, compare the actual plans side by side before buying. Our travel insurance comparison guide explains the features to weigh.
Yes, through SanlamAllianz Nigeria, which offers travel cover in partnership with Allianz Global Assistance. There is no separate standalone "Allianz Nigeria" travel insurer.
All three offer Schengen-compliant plans meeting the €30,000 minimum. Always confirm the specific plan states Schengen compliance and covers all member states before you submit it. Our Schengen visa travel insurance guide explains what consulates check.
Price depends on your trip, age and cover level rather than the provider alone. Compare quotes for your exact trip rather than assuming one brand is always cheaper.
SanlamAllianz Nigeria offers free cover for children under 18 travelling with two adults, and AXA Mansard offers a worldwide family plan. Compare both for your trip.
Compare benefits and premiums across NAICOM-licensed insurers before you choose.
AXA Mansard, SanlamAllianz Nigeria and Leadway are all credible, Schengen-compliant choices, so the decision comes down to the extras that match your trip: global reach and higher limits with AXA Mansard, family and older-traveller friendliness with SanlamAllianz Nigeria, and a trusted domestic brand with Leadway. Compare the specific plans and current prices before you buy, and confirm each insurer's NAICOM licence. For travellers heading overseas, our guide to the best travel insurance plans for Nigerians travelling abroad ranks these and other options.
Insurance cover, premiums, limits, exclusions, eligibility and claim outcomes depend on current policy wording and individual circumstances. Provider features and plan details can change. Confirm the latest terms and the insurer's NAICOM licence before buying. This article provides general information and is not personal financial, legal or insurance advice.