Planning a trip outside Nigeria this year? Whether you’re heading out for school, work, family visits, or a much-needed holiday, one thing you shouldn’t skip is travel insurance.
Flights can be delayed, bags can go missing, and healthcare abroad can be unbelievably expensive — even for minor issues. A good travel insurance plan keeps you protected, financially covered, and gives you peace of mind from the day you book your flight till you return home.
This guide breaks down the best travel insurance options for Nigerians in 2025, what each plan covers, and how to choose one that matches your destination, travel style, and budget.
Travel insurance serves as a safety net when you're away from home, protecting you from unexpected situations that could otherwise leave you financially vulnerable. For Nigerians traveling internationally, comprehensive travel insurance is particularly important due to:
AXA Mansard offers some of the most comprehensive travel insurance plans for Nigerians. Their packages include worldwide coverage with options for both short-term trips and annual multi-trip policies.
Leadway provides tailored travel insurance solutions for different traveler needs with fair pricing and extensive coverage options.
AIICO's travel insurance packages are recognized and accepted by all Schengen and non-Schengen embassies, making them ideal for international travelers.
Partnering with Allianz Global Assistance, Allianz Nigeria offers international travel insurance that meets embassy requirements worldwide.
IGI offers comprehensive and affordable travel health insurance policies with international backing.
When selecting travel insurance, consider these essential coverage components:
Covers emergency medical expenses, hospital stays, and doctor visits. Most Schengen countries require at least €30,000 of medical coverage.
Reimburses non-refundable trip costs if you need to cancel or cut short your journey due to covered reasons like illness or family emergencies.
Provides compensation for lost, stolen, or damaged luggage and personal items during your travels.
Covers the cost of emergency medical transportation to the nearest adequate medical facility or back to Nigeria if necessary.
Offers 24/7 help with travel emergencies, including assistance with lost passports, legal referrals, and language interpretation services.
Find the best exchange rates for your travel needs on nairaCompare
Consider these factors when selecting travel insurance:
Is travel insurance mandatory for Nigerians traveling abroad? While not always legally required, travel insurance is mandatory for Schengen visa applications and strongly recommended for all international travel.
How much does travel insurance cost for Nigerians? Costs vary based on destination, duration, and coverage level, but typically range from ₦15,000 to ₦50,000 for a two-week trip to Europe or North America.
Does travel insurance cover COVID-19-related issues? Many insurers now offer COVID-19 coverage, but specific benefits vary. Always verify coronavirus coverage details before purchasing.
Can I buy travel insurance if I've already started my trip? While possible with some providers, it's best to purchase insurance before departure to ensure full benefits, especially trip cancellation coverage.
How do I claim my travel insurance? Contact your insurance provider immediately when an incident occurs, follow their claims process, and submit all required documentation promptly.
Traveling abroad is exciting, but things can go wrong when you least expect them. With the right travel insurance plan, you protect your health, your money, and your peace of mind. Take your time to compare options, read the fine print, and choose a plan that truly matches your destination and travel lifestyle.