Nigeria Travel Insurance 2026 - Complete Guide

Travel insurance is essential for visiting Nigeria. Here is everything you need to know about coverage levels, what to look for, and how to choose the right policy.

Do Not Travel Without Insurance. Medical facilities in many parts of Nigeria are limited. Medical evacuation from Nigeria can cost $50,000-$100,000+. Travel insurance typically costs less than $10/day.

Is Travel Insurance Required for Nigeria?

Nigeria does not legally require travel insurance for entry. However, it is strongly recommended by all Western governments, travel advisories, and experienced travellers. Here is why:

  • Medical facilities: vary significantly between Lagos/Abuja (better private hospitals) and rural areas (very limited). Private hospital treatment in Lagos costs $100-500+ per visit
  • Medical evacuation: Air ambulance from Nigeria to Europe or the US costs $50,000-$100,000+
  • No free healthcare: Visitors are not covered by any public health system
  • Trip disruptions: Flight cancellations, lost baggage, and travel delays are common

Coverage Level Comparison

Coverage Type Basic (~$5/day) Standard (~$10/day) Comprehensive (~$15-25/day)
Medical Expenses $50,000 $250,000 $1,000,000+
Medical Evacuation $100,000 $500,000 $1,000,000+
Trip Cancellation Not included Up to $5,000 Up to $10,000+
Baggage Loss/Delay $500 $1,500 $3,000+
Personal Liability $100,000 $1,000,000 $2,000,000+
Adventure Sports Not included Limited Included (check specifics)
24/7 Assistance Phone only Phone + online Concierge + direct billing
Recommendation for Nigeria: Choose at least Standard coverage with minimum $250,000 medical and $500,000 evacuation. For safari or adventure activities, go Comprehensive.

Medical Evacuation - Why It Matters

Medical evacuation is the most important coverage for Nigeria travel. Here is why:

  • Limited specialist care: Serious injuries or illnesses often require evacuation to Nairobi, Johannesburg, or Europe
  • Air ambulance costs: $50,000-$100,000+ from most African countries
  • Safari/remote areas: Evacuation from bush camps requires helicopter rescue
  • Recommended minimum: $500,000 medical evacuation coverage

What to Look For in Your Policy

Essential Coverage:
  • Medical expenses: $250,000+ minimum
  • Medical evacuation: $500,000+ minimum
  • Repatriation of remains
  • 24/7 emergency assistance helpline
  • Trip cancellation and interruption
  • Baggage loss, theft, and delay
  • Personal liability
Check These Exclusions:
  • Pre-existing medical conditions
  • Adventure sports and activities (if applicable)
  • Travel against government advice
  • Alcohol-related incidents
  • Unattended belongings

Adventure Sports Coverage

Nigeria is less known for adventure tourism, but coverage for road accidents is important given the challenging driving conditions.

Activities that typically require additional coverage include:

  • Safari game drives (usually covered under standard policies)
  • White water rafting
  • Bungee jumping
  • Scuba diving (below certain depths)
  • Mountain climbing/trekking above 3,000m
  • Quad biking / ATV
  • Paragliding / microlight flights
  • Gorilla trekking

Health and Vaccination Considerations

Nigeria requires a valid Yellow Fever vaccination certificate for all travellers. This is mandatory for entry and your insurance may be invalidated if you travel without required vaccinations.

  • Yellow Fever certificate: May be required for entry and affects insurance validity
  • Malaria: Present in many areas. Take prophylaxis as recommended. Insurance covers treatment but not prevention.
  • COVID-19: Most policies now cover COVID-related medical treatment and cancellation
  • Routine vaccinations: Ensure Hep A, Typhoid, and Tetanus are up to date

Tips for Buying Travel Insurance

  1. Buy as soon as you book: Trip cancellation coverage starts from purchase date
  2. Declare pre-existing conditions: Non-disclosure voids your entire policy
  3. Check adventure coverage: If you plan any activities, ensure they are specifically listed
  4. Keep all receipts: You will need them for any claims
  5. Save emergency numbers: Download your insurer's app and save their 24/7 number
  6. Take photos of valuables: Document electronics and expensive items before travel
  7. Compare quotes: Use comparison sites to find the best deal for your needs
Related Pages
Minimum Coverage
  • Medical: $250,000+
  • Evacuation: $500,000+
  • Cancellation: Trip cost
  • Baggage: $1,500+
  • Liability: $1,000,000
  • Cost: ~$5-25/day
In an Emergency
  • Call your insurer's 24/7 helpline immediately
  • Get a police report for theft/loss
  • Keep all medical receipts and reports
  • Take photos of damage/injuries
  • File claims within 30 days of incident