Whether you’re flying to London, schooling in Canada, attending a conference in Dubai, or honeymooning in the Maldives — travel insurance is no longer optional; it’s essential.
But many Nigerian travelers either ignore it or buy the cheapest plan without understanding what’s covered. This can lead to costly surprises when things go wrong abroad.
In this guide, Loyalty Travels & Logistics Ltd explains how to pick the right travel insurance, what to look for, and why it’s one of the smartest travel decisions you can make.
Why Travel Insurance Matters
Travel insurance isn’t just about meeting visa requirements. It protects you from:
Medical emergencies abroad
Lost or delayed luggage
Trip cancellations or delays
Emergency evacuation
Personal liability (if you accidentally harm someone or damage property)
Without it, you could end up spending millions of naira out of pocket.
What to Look for in a Good Policy
Here’s what Nigerian travelers should focus on when buying travel insurance:
Medical Coverage: Check if it covers hospital stays, doctor visits, prescriptions, and medical evacuation. Some countries require minimum medical coverage (e.g., Schengen needs at least €30,000).
Baggage & Personal Items: Will they compensate you if your bags are lost, stolen, or delayed?
Trip Cancellation/Interruption: Will they refund nonrefundable flights or hotel bookings if you have to cancel due to emergency?
Adventure or Sports Coverage: If you plan to ski, hike, or do water sports, make sure these activities are covered.
24/7 Assistance: Does the insurer provide a helpline you can call anytime, anywhere?
Where to Buy Good Travel Insurance
Nigerians can buy travel insurance through:
- Reputable insurance companies in Nigeria (AXA Mansard, Leadway, Mutual Benefits, etc.)
- International insurers (Allianz, World Nomads, IMG, etc.)
- Travel agents like Loyalty Travels, who can recommend the best plan for your destination and needs
Tips Before You Buy
Read the fine print — know what’s excluded
Check if preexisting conditions are covered
Compare multiple quotes before deciding
Keep a digital and printed copy of your insurance certificate when traveling
Final Thoughts: Travel Smart with Loyalty Travels
Travel insurance gives you peace of mind so you can focus on your trip, not the “what ifs.”
At Loyalty Travels & Logistics Ltd, we help Nigerian travelers select affordable, reliable travel insurance plans tailored to their trip. Whether you’re visiting family, relocating, or vacationing, we’ve got you covered.
Reach out to Loyalty Travels today — let’s protect your next journey!
#TravelInsuranceNigeria #JapaSmart #TravelWithLoyalty #NigerianTravelers #VisaInsurance #SafeTravels #LoyaltyTravels #TravelAbroadWithConfidence #NigerianGlobetrotters #ProtectYourTrip