High Risk Voyager Travel Insurance is available to cover business trips and leisure holidays to destinations where the FCDO advise against "all but essential travel"
Please Note - France, Spain, Portugal and the Netherlands are included in High Risk Territorial Zone D
For more information on Territorial Zones please refer to the help sets () on the right hand side when selecting your Territorial Zone on Desktop devices and the button on mobile devices in the 'Quote Details' section when getting a quote.
High Risk Voyager Travel Insurance has Coronavirus / COVID-19 cover available regardless of FCDO travel restrictions.
This COVID-19 coverage is only applicable to the following sections of cover; Emergency Medical Expenses, Emergency Medical Repatriation/Evacuation, Return Trip (Following covered Emergency Medical Evacuation), Visitor To Bedside – Travel and Accommodation Expenses, Additional Accommodation Food & Travel Costs, Identification of Remains & Repatriation of Remains or Overseas Burial/Cremation and Hospitalisation Benefit; and no other section.
Whether you are an oil worker traveling to Nigeria to carry out business operations, a volunteer providing aid work or simply a tourist looking to explore the breath-taking natural beauty and wildlife Nigeria has to offer…There are a few things you should consider before you travel. Most importantly, once you have once you have researched your trip - what is required in terms of travel insurance for Nigeria due to several risks associated with visiting Nigeria?
Unfortunately, Nigeria represents a high risk to personal safety and of terrorism, where attacks are often indiscriminate and can even affect western interests as well as occur in places visited by foreign tourists. There is also a significant risk of kidnapping, be it humanitarian or private sector workers, in many areas of Nigeria by the prominent terrorist organisations of Islamic State West Africa (ISWA) and Boko Haram in the north-east, as well as some northern and middle belt states. For senior executive oil workers working in the Niger Delta there is also a high risk of kidnapping, as was recently reported in May 2019 of the kidnapping of 2 Royal Dutch Shell workers on the way back from a business trip in Rivers State. So, you should not only ensure you have a travel insurance policy such as High Risk Voyager Travel Insurance that is designed for such locations, but if you are an employee of worker, you should also consider Kidnap & Ransom Insurance.
Travellers should also remain vigilant even in tourist locations such as Lagos and the capital Abuja due to the high risk of violent crime. Consequently, it is extremely important that you buy Nigeria Travel Insurance with sufficient travel cover before travelling, especially as many ‘standard’ travel insurance policies will exclude travel to certain areas of Nigeria which the UK Foreign Commonwealth Office (FCDO) may advise against “all” or “all but essential travel” to. Fortunately, High Risk Voyager Travel Insurance for Nigeria can provide travel cover for hi-jack, mugging or certain aspects of kidnapping and can cover travel to these areas where other retail travel insurance policies can't. Please refer to the High Risk Voyager Nigeria Travel Insurance Policy Wording for further details.
Please note – High Risk Voyager Travel Insurance for Nigeria does not provide specific cover for Kidnap & Ransom. If you are looking for a specific policy that will cover you in the case of Kidnap & Ransom, please click here for details of Kidnap & Ransom Insurance.
In addition to the increased risk of terrorism and kidnapping, Nigeria has no reciprocal healthcare agreement with the UK or the European Union. Therefore, you will not be able to use your EHIC (European Health Insurance Card) if you have one in case of a medical emergency whilst visiting Nigeria. Consequently, you will be required to pay all costs associated with any emergency medical treatment you may require if you do not have the correct travel insurance for Nigeria which could become very expensive.
As of 11th June 2019, The UK FCDO advise “against all travel” to Borno State, Yobe State, Adamawa State, Gombe State, the riverine areas of Delta, Bayelsa, Rivers, Akwa Ibom and Cross River States as well as within 20km of the border with Niger in Zamfara State. They also advise “against all but essential travel” to Bauchi State, Zamfara State, Kano State, Kaduna State, Jigawa State, Katsina State, Kogi State, within 20km of the border with Niger in Sokoto and Kebbi States, non-riverine areas of Delta, Bayelsa and Rivers State as well as Abia State. These travel advisories can change from day to day, so Click here to see the latest FCDO travel advice for Nigeria.
Fortunately, High Risk Voyager Travel Insurance for Nigeria can provide cover to the areas mentioned above and more as it is a specialist travel insurance solution for high risk and frontline locations that can provide travel cover even to areas the FCDO advise “against all but essential travel” or “all travel”. This FCDO rating would usually invalidate a normal ‘standard’ type travel insurance policy.
High Risk Voyager Travel insurance for travel to Nigeria has been specifically designed to offer extensive travel protection whilst visiting or working in ‘high risk’ territorial zones in Nigeria. As well as being able to offer protection, if required, in the event of missed departure, baggage damage and sporting activities, our other policy benefits include:
Click here to see the full High Risk Voyager Nigeria Travel Insurance Policy Wording where you will be able to view the full Table of Benefits and available optional covers.
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For Business Trips up to 365 days cover
High Risk Voyager Travel Insurance is not like other travel insurance products as the destination Zones are based on the risk of visiting that country based on a number of factors, such as political stability, rather than geographic area. It is important that you select the correct Zone when buying your policy to ensure you have the correct cover in place.
*Note - Leisure travel trips are limited to a maximum trip duration of 31 days. Business, work or volunteering trips can be up to 365 days.
High Risk Voyager Travel Insurance has been designed in close consultation between leading international travel and medical insurance experts and professionals operating at the frontline in the field of worldwide travel risk management, safety and personal security in fragile environments.
It’s quick and easy to get an Nigeria Travel Insurance quote: just click the ‘Get a Quote’ button to get a fast travel insurance quote online, or if you prefer to speak with someone then you can call our High Risk Voyager Nigeria travel Insurance team direct on +44 (0) 1483 806 626.
Nigeria Country Information Profile
|Currency||Naira - ₦ (NGN)|
|Other Major Languages||Fulfulde, Hausa, Igbo, Yoruba|
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For Business Trips up to 365 days cover
Important Information for Customers with Serious Medical Conditions
The Money and Pensions service (MaPs) has developed a directory of specialist travel insurance to ensure customers with pre-existing medical conditions are easily able to obtain access to affordable travel insurance. If we are unable to help you and you are struggling to find medical cover that suits your needs, due to a serious medical condition, you may find a company that can help you through the MaPs travel insurance directory https://traveldirectory.moneyadviceservice.org.uk/en or by calling 0800 138 7777 - Monday to Friday, 8am – 6pm.
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Will you be travelling to any of the high risk location countries, featured in the list below?
Simply click on a country featured in the list to open a free Country Guide in PDF format.
Aid Worker Travel Insurance | FCO Travel Insurance | FCDO Travel Insurance | Medical Evacuation Travel Insurance | Travel Insurance for Charity Workers Missionary Travel Insurance | War zone Travel Insurance | Volunteer Travel Insurance | Terrorism Travel Insurance
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