How to Buy Travel Insurance Online in Nigeria (2024)

Are you getting ready for an exciting trip, whether within Nigeria or abroad? As interesting as travel can be, there are always risks and uncertainties that could disrupt your plans or put a damper on your adventure. Anything can happen when you’re on the road. It can be as delayed flights and lost luggage to medical emergencies and trip cancellations.

That’s why having travel insurance is so important – it gives you the coverage and peace of mind to fully enjoy your journey without constant worries.

Thankfully, getting travel insurance in Nigeria is easier than ever these days with the ability to purchase it online from the comfort of your home or office.

In this guide, we’ll walk through the simple steps to buying travel insurance digitally so you can check this crucial task off your pre-trip to-do list.

WHAT IS TRAVEL INSURANCE?

Before we dive into how to buy it, let’s make sure we’re all on the same page about what travel insurance actually is. In short, it’s a type of coverage that protects you from certain financial risks and losses that could occur while travelling.

Depending on the specific plan, travel insurance can provide benefits like:

• Coverage for medical expenses if you get sick or injured during your trip
• Reimbursement if your luggage is lost, stolen or delayed
• Coverage for non-refundable trip costs if you need to cancel for an approved reason
• 24/7 assistance with medical referrals, translation services, lost travel documents and more
• Coverage for personal liability if you inadvertently cause injury or property damage

As you can see, having this type of protection gives you way more flexibility and security compared to travelling without any coverage at all. If an emergency situation arises, you won’t be overwhelmed by unexpected costs that could potentially ruin your trip or send you into debt.

THE PROCESS: HOW TO BUY TRAVEL INSURANCE ONLINE IN NIGERIA

Now that you understand the importance of travel insurance, here are the typical steps you’ll follow to purchase coverage online:

STEP 1: RESEARCH AND COMPARE PLANS

Start by investigating the different travel insurance providers and plans available in Nigeria. Some major providers include Axa Mansard, Heirs Life, Cornerstone Insurance and Regency Alliance Insurance.

As you browse their websites, you’ll notice that plans can vary in terms of coverage levels, benefit amounts, policy pricing and more. It’s a good idea to get quotes from 2-3 different companies so you can compare and find the right balance of protection and affordability for your specific trip.

STEP 2: GET A QUOTE

Once you’ve identified some promising plans, you’ll need to get an official quote. This typically involves providing some basic details about your trip like travel dates, destination(s), number of travellers, their ages, and any optional coverages you’d like included like adventure sports coverage.

STEP 3: REVIEW THE POLICY DETAILS

Before purchasing, make sure to thoroughly review the policy documents for your chosen plan. Pay close attention to the coverage amounts, exclusions, claim filing procedures and any other fine print. Make sure you understand exactly what is and isn’t covered.

STEP 4: PURCHASE AND GET YOUR DOCUMENTS

If you’re satisfied with a plan after reviewing all the details, it’s time to complete your purchase online. You’ll need to provide traveller details and payment information. Most companies accept online payment via debit/credit card or mobile money transfers.

After payment is processed successfully, you’ll receive your policy documents via email. Be sure to save these and/or print copies to take with you when travelling.

STEP 5: KEEP DOCUMENTS HANDY

While you hopefully won’t need to use your travel insurance, it’s important to keep your policy documents and claim forms easily accessible throughout your trip just in case. Most providers have 24/7 emergency assistance you can contact as well.

TIPS FOR BUYING THE RIGHT TRAVEL INSURANCE PLAN IN NIGERIA

Are you looking for tips on how to get a travel insurance plan in the country?

To ensure you get the most out of your travel insurance investment, keep these piece of information in mind:

• Buy early – Purchase your policy shortly after making your first booking for the trip. This ensures you’re covered for any issues or cancellations beforehand.
• Consider group/family coverage – If travelling with family, a group plan may be more cost-effective than individual policies.
• Review coverage amounts – Check that coverage limits (e.g. medical expenses, baggage loss) are high enough for your needs.
• Understand exclusions – Things like pre-existing medical conditions or extreme sports may not be covered.
• Add supplemental options – For additional fees, you may be able to increase coverage for specific areas of concern.
• Only buy what you need – That said, avoid overpaying for excessive coverage you likely won’t use.

FREQUENTLY ASKED QUESTIONS

Here are some frequently asked questions on how to buy travel insurance online in Nigeria:

WHY DO I NEED TRAVEL INSURANCE?

Travel insurance provides coverage for unexpected events that may occur during your trip, such as medical emergencies, trip cancellations, lost luggage, and more. It helps protect you financially and gives you peace of mind while traveling.

HOW DO I GET A QUOTE FOR TRAVEL INSURANCE ONLINE?

Most insurance company websites have online quote tools. Enter your trip details like dates, destination, traveler ages, etc. To get personalized quotes.

WHAT INFORMATION DO I NEED TO PURCHASE TRAVEL INSURANCE?

You’ll typically need details like trip dates, destination(s), number of travelers, ages, and any add-ons like adventure sports coverage.

CAN I BUY TRAVEL INSURANCE AFTER I’VE STARTED MY TRIP?

It’s best to buy travel insurance as soon as you’ve booked your trip. Many benefits like trip cancellation only apply if purchased in advance.

HOW DO I PAY FOR MY TRAVEL INSURANCE POLICY ONLINE?

Most providers accept online payments via credit/debit cards, mobile money transfers, and internet banking.

CONCLUSION

At the end of the day, travel insurance is a small investment that provides invaluable coverage and security for an incredible range of travel mishaps and scenarios.

All you have to do is to follow the simple steps above to purchase coverage online. You can check this essential item off your pre-trip list and then take off feeling confident that you and your travel investment are protected no matter what curves life throws your way.

Happy and safe travels!