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High Risk Voyager Travel Insurance is available to cover business trips and leisure holidays to destinations where the FCO advise against "all but essential travel"

Please Note - France, Spain, Portugal and the Netherlands are included in High Risk Territorial Zone D


NOTE REGARDING CORONA VIRUS COVID-19 DECLARED PANDEMIC - Effective 12th March 2020 - We can provide High Risk Voyager Travel Insurance for travel to countries and regions where either the Foreign and Commonwealth Office (FCO) or local authority equivalent or the World Health Organisation (WHO) have placed travel restrictions. 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.

Please Note - However, due to the Coronavirus / COVID-19 Pandemic being declared - there is no cover for Coronavirus if you are travelling to an area where there is an FCO travel restriction due to Coronavirus on or before your date of purchase.

Nigeria Travel Insurance – High Risk Voyager

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?

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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 (FCO) 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 FCO 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 FCO 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 FCO advise “against all but essential travel” or “all travel”. This FCO rating would usually invalidate a normal ‘standard’ type travel insurance policy.

What is covered on your Nigeria 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:

  • Emergency Medical Expenses - Up to £1,000,000
  • Emergency Medical Evacuation / Repatriation - Up to £1,000,000
  • Political & Natural Disaster - Up to £5,000
  • Hijacking, Mugging, Piracy and Wrongful Detention - Up to £2,500
  • Personal Accident - Up to £15,000
  • PTSD Assessment/Councelling Following a Covered Hostile Event - Up to £25,000

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.


Get a Quote

Policy Wording

For Business Trips up to 365 days cover
(can include up to 31 days of Leisure cover)

Or Leisure Only Trips up to 31 Days Cover*:
*For Leisure trips ONLY, no War Cover is provided under this policy.

High Risk Voyager Travel Destinations Nigeria

Travel Insurance to Nigeria - Policy Features Snap Shot

  • 24/7 Quick and Easy Secure Online Quote and Buy Facility
  • One-Tap Emergency App & Pre-Travel Country Profile Information
  • Access to FREE “Country Information Files” to download before your travel, to help keep you informed and safe.
  • 24/7 Emergency Medical Assistance Helpline
  • Available to purchase before or after departure
  • Choice of 2 Levels of Travel Medical+ Cover with up to £/$/€1,000,000
  • Emergency Air Ambulance and Medical Evacuation Services
  • Single Trip Policies for Trips from 1 day up to 365* days duration
  • Annual Multi Trip Policies, unlimited number of trips of up to 31 days each and includes 17 days Winter Sports

  • Includes participation in Winter Sports and over 100+ leisure activities (non-professional)
  • Choice of up to 4 Territorial Zones of Cover including war, crisis and disaster relief zones
  • Available in £GBP, USD$ and Euros € with claims settled in your chosen currency, determined by the currency used to pay your premium.
  • Individual cover with online discounts for Groups of 5+ Members purchasing together
  • Discounts available for having taken recognised risk management, travel safety and personal security advice before departure

*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.

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Why choose High Risk Voyager Nigeria Travel Insurance?

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.

How do I get a Quote and Buy Travel Insurance for Nigeria?

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

Capital City Aduja
Largest City Lagos
Currency Naira - ₦ (NGN)
Official Laguage English
Other Major Languages Fulfulde, Hausa, Igbo, Yoruba
Demonym(s) Nigerian
Time Zone GMT+1
Dialing Code +234
Driving Side Right


Get a Quote

Policy Wording

For Business Trips up to 365 days cover
(can include up to 31 days of Leisure cover)

Or Leisure Only Trips up to 31 Days Cover*:
*For Leisure trips ONLY, no War Cover is provided under this policy.

Travel Insurance Nigeria High Risk Location

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Our UK Customer Services Team Contact Details

Call Us for a free High Risk Voyager Travel Insurance Quote Call Customer Services:
+44 (0) 1483 806 686

Send email to High Risk Voyager team Email Customer Services:

Our UK Customer Services team is available 9.00am-5.30pm (UK time), Monday-Friday (excluding weekends & UK Public Holidays).

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download complaints procedure here Click to download the Voyager Complaints Procedure

Holiday Insurance Nigeria Customer Service

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  Country Guides

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.


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High Risk Voyager is arranged and administered by Voyager Insurance Services Ltd. Voyager Insurance Services Ltd is authorised and regulated by the Financial Conduct Authority (Firm Reference Number: 305814). Registered address: Bankside 300, Peachman Way, Broadland Business Park, Norwich, Norfolk, NR7 0LB, UK.