Nigeria Travel Insurance – High Risk Voyager

Get Your Travel Insurance to Nigeria Today With High Risk Voyager!

4 Options available including:
Enhanced Personal Accident Cover, Personal Liability & Legal Expenses Cover, Trip Interruption & Disruption Coverages Option, Optional Winter Sports Cover...see all

QUOTE Policy Wording
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Why Choose Able2Travel?

  • Specialists in travel insurance for people with existing medical conditions
  • Full Cover available for 1,000s of conditions
  • Instant cover by telephone or quick and easy online screening in a few minutes
  • Great value cover also available for you and everyone travelling with you

Nigeria Travel Insurance

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 travelling. Most importantly, once once you have researched your trip - what is required in terms of travel insurance for Nigeria?

Official Country Name The Federal Republic of Nigeria Major Religion  Islam, Christianity,
indigenous beliefs
Capital City Aduja Population 224,991,917 (as of 2023)
Largest City Lagos Demonym(s) Nigerian
Currency Naira - ₦ (NGN) Time Zone GMT +1
Official Language English Dialling Code +234
Other Major Language Fulfulde, Hausa, Igbo, Yoruba Driving Side Right

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Unfortunately, Nigeria represents a high risk to personal safety and of terrorism. 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 with the kidnapping of 2 Royal Dutch Shell workers on their 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-jacking, mugging or certain aspects of kidnapping and can cover travel to those 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.

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In addition, due 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) or GHIC (Global 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 FCDO as advised “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.

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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 £10,000
  • Hijacking, Mugging, Piracy and Wrongful Detention - Up to £2,500
  • Personal Accident - Up to £15,000
  • PTSD Assessment/Counselling 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.

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Know Your High Risk Voyager Travel Insurance Zones!

The Zones on High Risk Voyager Travel Insurance are determined based on the risk of visiting that country, such as political stability. It is important that you select the correct Zone when buying your policy to ensure you have the correct cover in place. Click the button below to find out which zone your destination is in. 

Click Here to Know Your Zones

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 is 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.

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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 Snap-Shot Features

High Risk Voyager features a range of great benefits as standard. High Risk Voyager also features some great add-ons for you to tailor your policy - meaning you only pay for the additional cover you need.

  • 24/7 Quick and Easy Secure Online Quote and Buy Facility
  • ‘NGS SOS App Plus’ Emergency App & Pre-Travel Country Profile Information
  • 24/7 Emergency Medical Assistance Helpline
  • Available to purchase before or after departure
  • Choice of 2 Levels of 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
  • Includes participation in over 100+ leisure activities (non-professional)
  • Choice of up to 5 Territorial Zones of Cover including war, crisis and disaster relief zones
  • 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
  • + Lots more
More High Risk Voyager Details

At High Risk Voyager, we aim to provide travel cover to high-risk destinations when other Travel Insurance providers say no.

We can provide Travel Insurance for individuals or groups who are travelling to destinations that are considered to be high-risk or where the FCDO have advised against ‘all travel’ or ‘all but essential travel’. So, whether you're travelling to high-risk locations for business or leisure purposes, we can offer policies to you.

Many industries, such as Oil, Gas and Mining, operate in volatile locations of the world meaning that their staff will require a Travel Insurance policy that will cover them when they travel to these locations.

Similarly, people may need to travel to these areas for leisure purposes for example travelling to visit relatives or for an adventure tour.

For these reasons and many more, we developed High Risk Voyager after close consultation with risk management companies who specialise in advising companies travelling to these hostile locations and insurance industry experts, to help provide travellers to high-risk areas with the cover they need.

It's quick and easy to get a competitively priced quote with High Risk Voyager. With no long forms to fill in, just our simple online quote system, you can quickly and easily get your High Risk Voyager Travel Insurance quote. if you prefer, you can speak to one of our highly trained High Risk Voyager Travel Insurance specialists who'll provide you with a fast, friendly, and professional service.

Important Information for Customers with Serious Medical Conditions

MoneyHelper 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 MoneyHelper Travel Insurance directory or by calling 0800 138 7777 - Monday to Friday, 8am – 6pm.

How do I get a Quote for Nigeria Travel Insurance – High Risk Voyager?

It’s quick and easy to get a Nigeria Travel Insurance – High Risk Voyager quote.

Just click the ‘Get A Quote’ button to get an online quote for Nigeria Travel Insurance – High Risk Voyager.

Optional Nigeria Travel Insurance Policy Add-Ons.Increase the protection your Nigeria travel insurance policy provides with our policy add-ons.

Enhanced Personal Accident Cover
Enhanced Personal Accident Cover

Add Enhanced Personal Accident Cover Option to increase the limit of cover in case you suffer a life changing accident while on your trip.

Personal Liability & Legal Expenses Cover
Personal Liability & Legal Expenses Cover

Add Personal Liability & Legal Expenses Cover Option to your High Risk Voyager policy for cover to a pursue a legal case if a 3rd party injures you or damages your property.

Trip Interruption & Disruption Coverages Option
Trip Interruption & Disruption Coverages Option

Add Trip Interruption & Disruption Cover Option for additional cover if your trip gets disrupted by strikes or a natural disaster

Optional Winter Sports Cover
Optional Winter Sports Cover

Add Winter Sports Cover Option if you plan on taking part in winter sports, such as skiing, whilst on your trip!