The Difference Between Travel Insurance and Medical Travel Insurance in Nigeria

Are you planning to travel soon, whether to relocate, for business or medical reasons? If so, you may be wondering what kind of insurance coverage you need to protect yourself and your loved ones while traveling.

You have a lot of options available, such as travel insurance and medical travel insurance. It can be confusing to understand the differences between them.

travel insurance in Nigeria

This article aims to shed light on this topic by addressing a common question: What’s the difference between travel insurance and medical travel insurance in Nigeria?


There are two common types of insurance that are often discussed when it comes to travelling. They are travel insurance and medical travel insurance. While they may sound similar, there are significant differences between the two that are important to understand, especially if you’re planning to travel within or outside of Nigeria.


Travel insurance is a comprehensive policy designed to provide coverage for various travel-related issues that may arise before or during your trip. This type of insurance typically covers a wide range of scenarios, including trip cancellation, trip interruption, lost or delayed baggage, personal liability, and emergency medical expenses, among others.

One of the primary benefits of travel insurance is the protection it offers against financial losses due to unforeseen circumstances that force you to cancel or cut short your trip. For example, if you need to cancel your trip due to a family emergency, illness, or natural disaster, travel insurance can reimburse you for non-refundable expenses such as airline tickets, hotel reservations, and tour packages.

Travel insurance also provides coverage for medical emergencies that may occur during your trip. This can be particularly valuable if you’re traveling to a country with high medical costs or if your existing health insurance plan doesn’t cover you outside of Nigeria. However, it’s important to note that the medical coverage provided by travel insurance is typically limited and may not be sufficient for more serious or prolonged medical conditions.

Other common benefits of travel insurance include coverage for lost or stolen luggage, trip delays due to weather or other circumstances, and even personal liability in case you accidentally cause injury or damage to someone else or their property while traveling.


While travel insurance provides some medical coverage, it may not be enough for those with pre-existing medical conditions or those planning to undergo medical treatment abroad. This is where medical travel insurance comes into play.

Medical travel insurance, also known as health travel insurance, is specifically designed to provide comprehensive medical coverage for individuals traveling outside of their home country for medical purposes. This type of insurance is particularly relevant for Nigerians seeking medical treatment abroad, as it can help mitigate the potentially high costs associated with foreign healthcare.

One of the key advantages of medical travel insurance is that it typically offers higher coverage limits for medical expenses compared to regular travel insurance. This can be crucial when dealing with costly procedures, hospitalizations, or emergency medical evacuations.

Another important aspect of medical travel insurance is that it often covers pre-existing medical conditions, which are typically excluded or have limited coverage under standard travel insurance policies. This means that if you have a chronic condition or are seeking treatment for a specific medical issue, medical travel insurance can provide the necessary coverage to ensure you receive the care you need without worrying about astronomical out-of-pocket expenses.

In addition to covering medical expenses, some medical travel insurance policies may also include benefits such as coverage for travel and accommodation costs for a companion or family member, as well as repatriation expenses in case you need to be transported back to Nigeria for further treatment or recovery.


When it comes to selecting the appropriate insurance for your travel needs, it’s essential to carefully evaluate your specific circumstances and requirements. If you’re planning a leisure trip within Nigeria or to a neighboring country, a basic travel insurance policy may suffice, providing coverage for trip cancellation, lost luggage, and emergency medical expenses.

However, if you’re traveling abroad for medical treatment or have pre-existing medical conditions that may require attention during your trip, medical travel insurance is likely the better option. This type of insurance can provide the comprehensive medical coverage you need, ensuring that you’re protected against the potentially high costs of foreign healthcare.

It’s also worth noting that some travel insurance policies offer the option to add medical travel insurance as a supplement or rider. This can be a convenient solution if you’re planning a trip that involves both leisure and medical components.

Regardless of the type of insurance you choose, it’s crucial to carefully read and understand the policy details, including coverage limits, exclusions, and any specific requirements or restrictions. Additionally, it’s advisable to purchase your insurance policy well in advance of your travel dates to ensure you’re fully covered from the moment your trip begins.

If you understand the differences between travel insurance and medical travel insurance, you can make an informed decision and select the coverage that best suits your needs. This will provide you with peace of mind and financial protection during your travels.


In conclusion, while travel insurance and medical travel insurance may seem similar at first glance, they serve distinct purposes and offer different levels of coverage.

As you prepare for your upcoming journey, whether it’s to japa, or a relaxing vacation or a trip for medical treatment, take the time to carefully consider your specific needs and circumstances.

You have to understand the nuances between these two types of insurance. This will help you to make an informed decision and choose the policy that provides the most appropriate protection.

This gives you the peace of mind to fully enjoy your travel experience without the added stress of potential financial burdens. Remember, being informed and properly insured is the key to a worry-free and memorable trip.

Mfonobong Daniel

I am Daniel, a professional financial blogger, an insurance agent and financial adviser. Join me as I unravel and breakdown the mysteries behind insurance policies in Nigeria.

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