Travel insurance Nigeria should be considered before taking flight on a business trip, family vacation or other expedition. Travelers should understand the travel requirements of the destination and consider the travel insurance tips outlined below.

Need a Passport?

Nigerians traveling outside of Nigeria are required to have a valid passport issued by a Nigerian embassy or consulate. Travelers should be cautious of outside individuals offering to provide a visa. Nigeria also offers electronic passports for new passport applications. Travel insurance Nigeria companies will need a valid passport to supply travel insurance.

Visa-Free or Visa-on-Arrival Travel Destination

There are 22 surrounding countries that do not require Nigerians to have a visa to enter the country. The countries include Barbados, Benin, Burkina Faso, Cameroon, Cape Verde, Chad, Cote d’Ivoire, Dominica, Fiji, Gambia, Guinea, Guinea-Bissau, Guyana, Haiti, Liberia, Mali, Mauritius, Micronesia, Niger, Senegal, Sierra Leone, Togo and Vanuatu. Visa-on-arrival destinations include Bangladesh, Comoros, Djibouti, Iran, Kenya, Madagascar, Maldives, Mauritania, Mozambique, Palau, Samoa, Seychelles, Somalia, Tanzania, Timor-Leste, Tuvalu and Uganda. Understanding if a visa is required will help determine the best travel insurance Nigeria has to offer.

Required by Schengen Embassies

Travel insurance is required by all countries within the Schengen Embassies, including Austria, Belgium, Czech Republic, Denmark, Greece, Estonia, Finland, France, Germany, Hungary, Italy, Lithuania, Latvia, Netherlands, Norway, Malta, Iceland, Luxemburg, Portugal, Slovakia, Slovenia, Spain, Sweden, Switzerland and Poland.

Travel Insurance is a Necessity

Although travel insurance many never get used, travelers should consider purchasing such a policy from a travel insurance agency for various reasons, such as a medical emergency while traveling or a trip being canceled. Travel insurance costs are typically low and the benefits outweigh the high cost of travel. Travel insurance can cover canceled flights, a canceled trip due to an unexpected family death or stolen personal items while traveling.

Picking your Travel Insurance

Everything doesn’t need to be insured when choosing what to insure when traveling. Talk with your travel insurance agency to determine what you prefer to cover. There are options, such as trip cancellation, trip interruption, medical emergencies, lost baggage, evacuation and flight coverage. Make sure to choose options that cover high expenses.

Health Insurance May Not Cover You Overseas

It’s important to choose a travel insurance Nigeria plan that includes medical coverage. Some insurance agencies won’t cover any medical expenses while traveling overseas. Contact your health insurance provider before determining your travel insurance coverage to see if you’re covered during a trip.

Timing of Your Trip

Some travel insurance companies in Nigeria do not offer holiday or business trips. Consult with a travel insurance company to make sure your dates are covered in your plan. Travelers do not have to purchase insurance at the time travel is booked, but should consider doing it shortly after. Some travel insurance plans require purchase within a set time frame after booking your trip.

Knowing the travel requirements of the destination and obtaining needed passports or visas is the first step in a relaxing trip. Considering the travel insurance Nigeria tips above can help travelers prepare for trips and skip headaches at the airport.