Do You Need Travel Insurance for Nigeria?

Many Nigerians view travel insurance as a "scam" or an annoying visa requirement. However, if you are traveling internationally, it is a critical safety net.

What Does It Typically Cover?

1. Medical Emergencies: Healthcare abroad is expensive (e.g., $5,000+ for a night in a US hospital). Insurance pays this.
2. Medical Evacuation: If you fall ill in a remote area, paying for an air ambulance ($50,000+) is bankupting without insurance.
3. Lost Luggage: Airlines compensate by weight (cheaply). Insurance pays for the value of your items.

Recommended Providers

• AXA Mansard: Popular local provider with good track record.
• AIICO Insurance: Offers travel specific plans.
• World Nomads / SafetyWing: International options (pay in USD).

Schengen Visa Requirement

For Europe, you must have insurance covering at least €30,000 in medical expenses. The embassy will reject your application without it.

Verdict

For domestic trips? Maybe not. For international? Essential.