The Schengen travel insurance for Nigerians is an insurance policy which is of the many requirements for Nigerians and other nationals who live in Nigeria under a permanent or temporary residence permit and wishing to travel to the schengen area of Europe.

In other words, one of the important requirements for travelling to the Zone is a proof of ownership or possession of the schengen travel insurance for Nigerians.

These Schengen countries have a set of specific mandatory requirement that an intending visitor must have a travel insurance policy to cover the traveller’s health insurance policy must meet to be able to get a grant of Visa in his/her favour. Hence, the need for a good understanding of this mandatory requirement so as to be able to subscribe to the appropriate travel insurance policy. The presence of this policy increases the chances of the approval of Visas for Nigerians intending to travel to the schengen zone.


This insurance policy is of utmost importance to Nigerians intending to travel to Europe.  This is because you cannot want to travel to Europe without applying and getting the schengen visa beforehand. And we been made to know, the travel insurance policy is a compulsory requirement for such application. Thus, throughout the application process, Nigerians must present manyl documents to prove their eligibility to get a visa and one of such documents is the schengen travel insurance visa certificate. The certificate must be seen to be valid in the whole territory of the Schengen Area and for the total period of stay in Europe.

For the avoidance of doubt, the following countries represent the schengen area and they include; Germany, Austria, France, Belgium, Croatia, Czech Republic, Malta, Denmark, Estonia, Finland, Greece, Hungary, Iceland, Italy, Latvia, Liechtenstein, Luxembourg, Lithuania  The Netherlands, Norway, Portugal, Poland, Slovakia, Slovenia, Spain, Switzerland and Sweden.


Schengen Visa Insurance Requirements for Nigerian Citizens/Residents

Medical insurance for a Schengen visa must meet the following requirements:

  1. A minimum coverage of medical costs: at least 30,000 EUR (equivalent to 32,000 USD as of March 2023).
  2. Coverage must extend to all the member states of the Schengen Area.
  3. Cover any expenses that might arise with repatriation for medical reasons, urgent health attention and/or emergency hospital treatment or death.

Steps to Buying Schengen Health Insurance for Nigerians

To buy the schengen travel insurance, it is advisable to conduct a diligent search online to find an insurance company that best suits your need in terms of coverage and cost friendliness. In a whole, it is recommended that you do a comparison of travel insurance products and companies before you decide which company to settle for and the best travel insurance for your Schengen travel insurance visa. An example of such comparison website is by insturte and you can equally buy the policy in Europ assistance by visiting the website, click on the “quote” button, fill in the boxes that require your entry and departure date from your destination European country. After that, select the number of people you want the policy to cover and complete your transaction thereafter.

It is also worthy of not that it is not all low-cost travel insurance policies that contain low-quality services. On the other hand, it is not all expensive insurance plans have a high-quality offer.

Schengen-accredited travel  insurance companies in Nigeria

  1. United Healhcare Travel Health Insurance
  2. Aiico Insurance Plc
  3. Evasan / Unitrust Assurances CO. LTD
  4. Mutual Benefits Assurance PLC

What Schengen visa travel Insurance Cover?

A good travel insurance policy for the Schengen area covers the following costs:

  1. Medical emergencies such as accident or sickness while in the Schengen Area
  2.  Repatriation of remains
  3. Return of minors
  4. Emergency evacuation
  5. Accidental death, injury or disablement benefit
  6. Overseas funeral expenses
  7. Usually, the insurers cover pregnancy associated expenses, if the travel occurs within the first trimester. After that, insurance coverage varies from one insurer to another.


What the policy may not cover

Notwithstanding the fact that every travel insurance company is different and handles its issues differently, there are ones that make provision for additional cover and costs. However, some of the items that may not be expressly covered by your policy include;

  1. Pre-existing conditions such as Asthma, diabetes etc
  2. Activities which are by its nature with an elements of risk such as skiing, scuba diving etc
  3. Travel to high-risk countries as a result of existence of war, natural disasters or acts of terrorism etc
  4. Acute onset of pre-existing conditions – It means a sudden and unexpected occurrence of pre-existing medical conditions without any prior warning from a health care professional. If you have pre-existing conditions, make sure to get this coverage to protect you against any emergency situation that arises due to pre-existing conditions despite taking care.


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