How to Buy Travel Insurance Online in Nigeria

Buying travel insurance online from Nigeria takes a few minutes, and most of that is gathering details you already have. The order matters slightly, because one step can save you from paying for cover that cannot be issued.

This is the whole process, start to certificate. You can follow along on the travel insurance page.

Have these ready first

• Your destination. The main country you are travelling to.
• Your exact dates. Departure from Nigeria and genuine return, not approximate ones.
• Passport details for every traveller, with names spelled exactly as the passport shows them.
• Dates of birth, since age affects the premium.
• An email address you actually check, because the certificate is sent there.

Five minutes gathering these saves correcting a certificate later, and a correction after submission to an embassy is a much bigger inconvenience than a careful first attempt.

The steps

Step one is the one people skip past. A small number of countries sit outside our underwriter's book, and the form checks yours at the point of purchase rather than after payment. If your destination cannot be issued, you want to know at step one, not step six. The check runs as soon as you enter a destination.

Choosing the right zone

Two zones cover most journeys from Nigeria, and the difference is real rather than cosmetic:

Schengen cover meets the EUR 30,000 visa minimum for the Schengen area. Worldwide applies to destinations such as the UK, Canada, the United States, Turkey, China and South Africa, and carries the higher limits plus evacuation. If your itinerary crosses both, worldwide is the safer match, and the quote page prices both.

When to buy

• If a mission wants a certificate, buy before you submit your application, so it is in the bundle.
• If no certificate is required, buy before you fly, so cover starts the day you leave Nigeria.
• Never buy after departure. Cover that begins mid-trip does not help with something that already happened.

There is no advantage to leaving it late. The premium does not fall by waiting, and a late certificate is the most common reason a document does not line up with an application, so buy early.

After you buy

• Open the certificate and check the names and dates immediately, while it is easy to fix.
• Save the 24/7 assistance number somewhere reachable without your luggage.
• Send a copy to someone at home.
• Keep the policy wording, which is the contract behind the certificate summary, and both are available once you complete a purchase.

Common questions