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All you need to know about Travel Insurance Packages
What the Insurance Must Cover
- Minimum €30,000 medical coverage (some insurers now offer €50,000+)
- Valid in all Schengen countries
- Covers:
- Emergency medical treatment
- Hospitalization
- Medical evacuation / repatriation
- Must cover your full travel period, Without this, your visa will be rejected.
Types of Packages
- Basic plan
- Minimum coverage (€30,000–€50,ooo)
- Only medical emergencies
- Standard plan
- Higher coverage (€50,000–€100,000)
- Adds some extras (e.g. dental, liability)
- Premium plan
- €100,000+ coverage
- Includes baggage, trip cancellation, delays
Price Range if travelling from Nigeria for short trips (1–3 weeks):
- Basic: ₦15,000 – ₦25,000
- Standard: ₦20,000 – ₦35,000
- Premium: ₦30,000 – ₦50,000
Key Factors That Affect Price
- Trip duration (longer = more expensive)
- Age (older travellers pay more)
- Coverage amount (higher € = higher cost)
- Extras (baggage, cancellation, etc.)
A worldwide travel insurance plan protects you when traveling outside your country of residence (e.g. Nigeria) and is usually accepted globally.
Core coverage includes:
- Emergency medical treatment & hospitalization abroad
- Medical evacuation & repatriation
- Accidental death or disability
- Loss of baggage / personal belongings
- Trip cancellation or delay
- 24/7 emergency assistance
👉 Most plans provide minimum €30,000 medical coverage, similar to Schengen standards.
Types of Packages
- Basic (Budget)
- Covers medical emergencies only
- Standard
- Adds baggage, delays, and limited cancellation
- Comprehensive (Premium)
- Full protection: medical + trip cancellation + personal liability
Price Range in Nigeria (Worldwide Plans)
✈️ Short trips (up to 1–2 weeks)
- ₦5,000 – ₦15,000
🌍 Medium trips (2–4 weeks)
- ₦12,000 – ₦30,000
🧳 Long trips (1–6 months)
- ₦25,000 – ₦60,000
🎓 Long stay / student / premium cover
- ₦30,000 – ₦120,000+
🧠 General average:
- Most travellers pay ₦20,000 – ₦75,000 depending on coverage and destination
What Affects the Price
- Travel duration
- Destination (USA/Canada plans cost more)
- Age of traveller
- Coverage level (basic vs comprehensive)
- Add-ons (sports, cancellation, baggage)
✅ Quick Takeaway
- Covers any country outside Nigeria (worldwide protection)
- Minimum medical cover: €30,000
- Typical cost: ₦20k – ₦75k for most trips
- Longer or premium plans can go ₦100k+
Coverage Scope
This plan covers travel to most countries globally but excludes:
- Your country of residence (e.g. Nigeria)
- High-cost countries like USA, Canada, Japan, Australia
👉 These exclusions make the plan significantly cheaper because medical costs are lower outside those countries
What the Package Covers
Typical benefits include:
- Medical expenses & hospitalization (≈ $60,000+ cover)
- Emergency evacuation & repatriation (up to $1,000,000)
- Accidental death / disability
- Loss of baggage & passport
- Trip delay or cancellation
- 24/7 emergency assistance
👉 It functions as a full international protection plan for business, tourism, or study
📊 Types of Plans
- Economy / Basic: Medical-only cover
- Standard: Adds baggage, delays
- Premium: Full cover + higher limits
💰 Price Range from Nigeria
Using global pricing benchmarks (adjusted to Nigerian market levels):
✈️ Short trips (1–2 weeks)
- ₦5,000 – ₦12,000
🌍 Medium trips (2–4 weeks)
- ₦10,000 – ₦25,000
🧳 Long trips (1–3 months)
- ₦20,000 – ₦45,000
🎓 Extended / premium cover
- ₦40,000 – ₦90,000+
👉 Example: A 1-month worldwide (excluding major countries) plan is among the cheapest global options due to reduced risk zones
🧠 Why This Plan Is Cheaper
- Excludes countries with very high healthcare costs
- Lower insurance risk → lower premiums
- Ideal for travel to:
- Europe (non-Schengen optional)
- Asia
- Africa
- Middle East
Quick Summary
- Covers most countries worldwide
- Excludes: Nigeria + USA, Canada, Japan, Australia
- Medical cover: $60,000+ typical
- Best for budget international travel
