Travel Insurance From Nigeria to USA
A hospital visit in the USA can cost $10,000 to $150,000 or more. Most Nigerian health insurance plans offer little or no coverage abroad.
Travel insurance for the USA from Nigeria starts at less than $1 per day, covering medical emergencies, senior parents, and pre-existing conditions. Compare A rated travel insurance plans for Nigeria to USA travel and get a free quote in minutes.
Which Travel Insurance for USA from Nigeria is Right for You?
- Cheapest Nigerian Travel Insurance to USA - Safe Travels Advantage from $20/month* (fixed benefit)
- Best Comprehensive Visitor Insurance - Atlas America up to $2M coverage + UnitedHealthcare PPO Most Popular
- Best Insurance for Nigerian Parents - Patriot America Plus covers acute onset of pre-existing conditions
- Best Travel Insurance for Seniors (70+) - Safe Travels USA Comprehensive coverage available up to age 89
- Pre-Existing Condition Coverage (full pre-ex) - INF Elite X Insurance available for travelers up to age 99
- Looking for more options? - Explore all available Travel insurance plans for travelers from Nigeria to the USA in one place.
Travel Insurance Nigeria to USA
- The Nigerian community in the U.S. is a vibrant and growing diaspora that plays a significant role in the cultural and economic landscape of the country. Concentrated in major cities such as Houston, Atlanta, New York City, and Washington, D.C., this community is known for its strong emphasis on education and professional advancement.
- Nigerian immigrants to the USA represent one of the fastest-growing immigrant groups, drawn by opportunities for education, employment, and a better quality of life. Many arrive on student visas, pursuing higher education at prestigious universities, while others come for work in fields like healthcare, technology, and business.
- The USA boasts iconic cities such as New York City, Los Angeles, Chicago, and San Francisco, each with its own unique character and attractions. These cities offer a blend of history, art, entertainment, and shopping.
- The USA is known for its diversity, both in terms of people and landscapes. You'll encounter people of different backgrounds, languages, and religions, contributing to a rich cultural tapestry.
- Before traveling to the USA, be sure to research the specific US state or city you plan to visit, understand any travel requirements, and check for any travel advisories or COVID-19 related guidelines. Your trip to the USA promises diverse experiences and memorable adventures, so embrace the journey with an open mind and a sense of curiosity.
- Traveling on a holiday to the US is adventurous and fun but one must keep in mind the medical emergencies that might arise while traveling outside of the home country.
- The healthcare system in the US is excellent but expensive.
- Travel insurance will cover Nigerian travelers with any unforeseen medical emergencies that may occur during a holiday in the US.
For any assistance you can call us at (877)-340-7910 or email us and we will be glad to help further.
Travel Insurance Cost for Nigerian Travelers to the USA in 2026
Cheapest Visitor Health Insurance for Travelers from Nigeria to USA
The most affordable visitor health insurance USA starts from $20 per month with options up to $191 per month.
The average cost of fixed benefit visitor travel insurance for the USA is calculated based on one-month quotes.
| Plan Name | Max Coverage | Deductible | Age 40 | Age 60 | Age 70 |
|---|---|---|---|---|---|
| Safe Travels Advantage Trawick International |
$25,000 - $150,000 | $0 | $20 - $58 | $39 - $102 | $60 - $166 |
| Visitors Care IMG |
$25,000 - $100,000 | $100 | $25 - $47 | $40 - $75 | $66 - $152 |
| Safe Travels Elite Trawick International |
$25,000 - $175,000 | $0 | $26 - $76 | $50 - $134 | $109 - $155 |
| Visit USA Budget Travel Insurance Services |
$50,000 - $150,000 | $250 | $32 - $56 | $49 - $86 | $84 |
| VisitorSecure WorldTrips |
$50,000 - $130,000 | $100 | $34 - $62 | $55 - $76 | $96 - $139 |
| Travel Medical USA Visitor Basic Seven Corners |
$50,000 - $150,000 | $100 | $42 - $52 | $79 - $94 | $173 - $191 |
Cost of Comprehensive Visitor Insurance for Nigerian to USA Travel
The best travel insurance cost for USA ranges from $58 to $353 per month.
The average cost of comprehensive travel insurance for the USA is based on one-month quotes with a $250 deductible.
| Plan name | Max Coverage | Age 40 | Age 60 | Age 70 |
|---|---|---|---|---|
| Atlas Essential WorldTrips |
$50,000 - $1,000,000 | $58 - $109 | $131 - $266 | $263 - $328 |
| Safe Travels USA Cost Saver Trawick International |
$50,000 - $1,000,000 | $71 - $117 | $139 - $250 | $237 - $299 |
| Patriot America Lite IMG |
$50,000 - $1,000,000 | $72 - $130 | $153 - $289 | $252 - $337 |
| Atlas America WorldTrips |
$50,000 - $2,000,000 | $78 - $154 | $177 - $378 | $355 - $444 |
| Patriot America Plus IMG |
$50,000 - $1,000,000 | $77 - $139 | $164 - $311 | $287 - $434 |
| Travel Medical Basic Seven Corners |
$50,000 - $1,000,000 | $80 - $138 | $167 - $314 | $252 - $337 |
| Safe Travels USA Comprehensive Trawick International |
$50,000 - $1,000,000 | $90 - $168 | $172 - $351 | $294 - $470 |
| SafeVista Protect INF Insurance |
$100,000 - $1,000,000 | $93 - $127 | $215 - $248 | $320 |
| Diplomat America Global Underwriters |
$50,000 - $1,000,000 | $125 - $214 | $229 - $301 | $353 |
Prices verified for the 2026 travel season · Source: American Visitor Insurance®
Six-Month Medical Insurance Cost for Visitors to the USA
For a 60 year old traveler, the cost of USA visitor insurance for 6 months typically ranges around $122 to $1,050, based on different coverage options, medical needs, and traveler’s budget on American Visitor Insurance.
The best 6 month USA travel insurance is the one which is affordable, reliable and allows the traveler to stay stress free.
From ER visits to urgent care, stay covered for 6 months in the U.S starting from just $1.50/day!
Factors That Affect the Cost of Nigeria Travel Insurance for USA
The cost of visitor insurance for Nigerians in the USA increases with the age of the traveler. For example, someone in their 30s may pay $20/month for a fixed benefit plan or $60/month for comprehensive. While someone in their sixties typically pays about double, and prices rise even higher for older travelers.
Plans with higher coverage limits (e.g., $100,000 vs. $500,000) or lower deductibles generally cost more.
Plans with higher deductibles are generally cheaper but require you to pay more out of pocket in case of a claim.
Fixed benefit visitor insurance plans are cheaper but only pay set amounts for services. Comprehensive visitor insurance plans are more expensive but provide broader coverage of medical expenses and emergencies.
Visitor insurance for Nigerians in the USA covering full pre-existing conditions or acute onset of existing medical conditions generally cost more.
Longer trips usually increase the total cost of the policy
Emergency medical evacuation, adventure sports coverage, or higher personal liability can lead to increased premium.
Top Travel Insurance from Nigeria to USA (2026)
Based on price, coverage limits, and traveler reviews, the following plans are the Travel Insurance for USA from Nigeria.
- check_circle Deductible: $0 only (no higher deductible options)
- check_circle Maximum coverage: up to $150,000
- check_circle Pre-existing: acute onset covered up to age 89
- check_circle PPO network: First Health PPO - direct billing available
- check_circle Evacuation: unlimited emergency medical evacuation
- Visitors Care from IMG
- Visit USA Budget from Travel Insurance Services
- Travel Medical USA Visitor Basic from Seven Corners
- check_circle Deductible: $0 to $5,000
- check_circle Maximum coverage: up to $2,000,000
- check_circle Pre-existing conditions: acute onset covered up to age 80
- check_circle PPO network: UnitedHealthcare - the largest PPO network
- check_circle Maternity: covers complications of pregnancy in first 26 weeks
- Patriot America Plus from IMG
- Travel Medical Basic from Seven Corners
- Safe Travels USA Comprehensive from Trawick International
Cost of Healthcare in the USA Without Insurance
Healthcare in the United States is among the most expensive in the world. Without travel medical insurance, even a minor emergency can result in unexpectedly high medical bills for visitors.
A single illness or accident can quickly turn into a major financial burden, often impacting savings or creating long-term debt.
Affordable USA Coverage from Less Than $1/Day
A small daily cost protects you from unexpected medical expenses in the USA.
Travel Insurance for Sporting Events in the USA
The 2026 FIFA World Cup is going to be held in the United States, which is expected to draw in a huge number of international tourists. Every time major sports events happen in America, the international visitors are at the risk of facing delays in their flights, the venues being overcrowded, and the medical emergencies being unpredictable and thus needing medical attention.
In the USA, healthcare costs are among the highest in the world, hence, visitor insurance becomes even more critical as it protects against expensive hospital visits, emergency room treatments, and medical evacuation costs.
If your travel plans include attending World Cup matches in the USA or combining games across the USA learn how specialized coverage options available through American Visitor Insurance can help protect your trip by visiting our 2026 FIFA World Cup Travel Insurance guide.
Nigerian Visitors to the U.S.- Statistics and Insights
- Major outbound market: The United States is a popular destination for travelers from Nigeria, especially for business, education, and family visits.
- Pre-COVID travel: In 2019, there were approximately 300,000+ visits by Nigerian travelers to the U.S.
- Recent travel rebound: Travel from Nigeria to the U.S. has been steadily recovering post-pandemic, with increasing visa demand and visitor numbers.
- High spending travelers: Nigerian visitors are considered high-value travelers, often spending significantly on accommodation, education, healthcare, and shopping during their stay.
Long-distance travel and high healthcare costs make U.S. visitor insurance essential for Nigerian travelers.
New US Health Requirements While Applying for US Visas
The US State Department has directed consular officers across different embassies to consider a visa applicant’s health condition in determining whether the applicant will become a ‘public charge’ of the United States, and therefore, deemed ineligible for a visa.
To minimize the risk of visa rejection and demonstrate preparedness, travelers should purchase comprehensive travel medical insurance before applying for their US visa. Having valid travel medical insurance coverage shows that the applicant can manage any health expenses without becoming a ‘public charge’ or a financial burden during their stay in the U.S.
At American Visitor Insurance, we offer a range of travel medical plans that cover new illnesses, accidents, and acute onset of pre-existing conditions - ideal for visitors applying for U.S. visas.
What Does USA Visitor Insurance Cover for Nigerian Travelers?
Travel medical insurance is very important for Nigerian visitors to the USA as it protects you from high US healthcare costs by covering doctor visits, medical emergencies, hospital treatment, prescription drugs, medical evacuation as well as repatriation of remains. Some US travel medical insurance plans also offer coverage for pre-existing conditions and emergency dental care. Finding the best visitor insurance plan by comparing different options on American Visitor Insurance offers peace of mind and financial security during your complete stay in the United States.
| Coverage Type | What It Typically Covers |
|---|---|
| Doctors Visit | This coverage allows travelers to visit doctors for sudden, unexpected medical conditions, excluding pre-existing and preventive care, with Co-pay and deductible options that vary by US travel insurance plan, including $0 deductible and no Co-pay options. |
| Pharmacy Drugs | Doctor prescribed eligible pharmacy drugs are also covered. |
| Visitors Medical Insurance for Pre-Existing Conditions | Health insurance for tourists in the USA that covers pre-existing conditions is limited, but some plans-such as those from INF insurance provide coverage for inpatient, outpatient, urgent care, specialist, and doctor visits related to pre-existing conditions, which are medical ailments existing before the policy start date, including asthma, heart disease, high blood pressure, kidney disease, cancer, and diabetes. |
| Surgery | Emergency surgery treatment will be covered. The maximum available amount for surgery is typically $50,000, but this varies from plan to plan. |
| Medical Evacuation | Provides coverage for medical evacuation up to $1,000,000 if the traveler has to be evacuated to get access to proper medical treatment in the event of a medical emergency. |
| Repatriation of Remains | Repatriation of remains coverage pays for returning the traveler’s remains to their home country in the event of death, with benefits depending on the selected tourist health insurance plan and coverage limits up to $50,000 |
| Dental Coverage | Emergency dental coverage up to $300 is available for acute onset of pain to natural teeth. |
In US hospitals, patients with travel insurance to USA within the PPO network incur significantly lower costs for treatments compared to uninsured patients.
Simply having health insurance for visitors in USA can greatly reduce medical expenses.
The best health insurance for tourists in USA varies based on the best USA travel insurance for visitors plan chosen, however travelers can get coverage up to $8,000,000.
To get better access to in-network hospitals, consider visitors health insurance in USA plans with strong PPO networks:
- Visitor Insurance With First Health PPO Network – Offers extensive nationwide hospital and doctor access through the First Health PPO network.
- United Healthcare PPO Visitor Insurance – Provides a very large PPO network across the U.S., making it easier for visitors to find in-network providers and lower their medical costs.
Choosing USA travel insurance for visitors with a robust PPO network from American Visitor Insurance ensures smoother claims and more affordable treatment during your stay in the USA.
Senior Travel Insurance for Nigerian Visitors
Most of the senior travelers may have pre-existing conditions such as hypertension, diabetes, or heart disease, making it important to choose the right travel insurance for Nigerian parents visiting USA plan with proper coverage.
A single emergency room (ER) visit in the U.S. can cost between $5,000 and $30,000 without travel medical insurance, making visitor insurance for Nigerian parents visiting the USA essential.
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Seniors Travel Insurance for Above 60 Years
Older travelers or parents aged above 60 years visiting foreign nations have a tough time in finding good medical insurance to satisfy all their requirements. Here is a quick comparison of popular visitor medical insurance plans that provide coverage for 60+ travelers.
Plan Cost Per Month Acute Onset (Pre-existing) Unique Feature Visitors Care
IMG$40 Up to 70 years Lowest starting price for seniors 60+ Safe Travels Elite
Trawick International$50 Up to 89 years Acute onset of pre-existing + cardiac coverage Visit USA Standard
Travel Insurance Services$131 Up to 99 years Dual PPO network (UnitedHealthcare + First Health) Safe Travels USA
Trawick International$147 Up to 70 years Cardiac & stroke coverage up to $25,000 Patriot America Plus
IMG$164 Up to 70 years Emergency evacuation up to $1,000,000 Diplomat America
Global Underwriters$261 Up to 70 years No PPO - visit any doctor -
Older Traveler Medical Insurance for Above 70 Years
Senior travelers find it difficult to get good travel insurance. These plans range from being affordable to providing the most coverage, the price vary correspondingly depending on the coverage offered.
Plan Cost per month Acute Onset (Pre-existing) Unique Feature Safe Travels Advantage
Trawick International$60 Up to 89 years Unlimited medical evacuation + cardiac coverage Safe Travels Elite Diamond
Trawick International$108 Up to 89 years Pre-existing coverage up to $35,000 at low cost Visit USA Standard
Travel Insurance Services$210 Acute onset covered up to $2,500 Most affordable plan for seniors 70+ Safe Travels USA Comprehensive
Trawick International$294 Up to 89 years Covers cardiac conditions; popular for seniors 70+ Atlas America
WorldTrips$355 Up to 79 years Border entry protection up to $500 Travel Medical Choice
Seven Corners$493 Up to 79 years (cardiac included) Only plan covering cardiac conditions for seniors 70+ -
Senior Citizen Travel Insurance for Above 80 Years
Visitor insurance for 80 years old USA are available for senior travelers above 80 years of age with suitable benefits. Compare some of these health insurance over 80 years old traveling in US offered by reputed US insurance companies. Travelers can get quotes and buy travel insurance for seniors over 80 years.
Plan Cost Policy Term Pre-Existing Coverage Unique Feature Safe Travels Advantage
Trawick International$165 Monthly Acute onset of pre-existing conditions up to 89 years Unlimited medical evacuation + cardiac coverage Visit USA Superior
Travel Insurance Services$418 Monthly Acute onset covered up to $2,500 Affordable for seniors 80+ SafeVista Protect
INF$789 Monthly Acute onset of pre-existing conditions up to 85 years Strong coverage up to age 85 Safe Travels USA Comprehensive
Trawick International$1,014 Monthly Acute onset of pre-existing conditions up to 89 years Cardiac coverage up to $15,000 Visitors Protect
IMG$3,373 3 months Pre-existing conditions covered up to 99 years First Health + UHC network INF Elite Plus X
INF$4,685 3 months Full pre-existing coverage up to 99 years Includes preventive & maintenance care -
Senior Citizen Travel Insurance for Above 90 Years
Visitor insurance for 90 years old USA are available for senior travelers above 90 years of age with suitable benefits. Compare some of these health insurance over 90 years old traveling in US offered by reputed US insurance companies. Travelers can get quotes and buy travel insurance for seniors over 90 years.
Plan Cost Policy Term Pre-Existing Coverage Unique Feature Visit USA Superior
Travel Insurance Services$703 Monthly Acute onset covered up to $2,500 Lowest monthly cost for age 90+ INF Premier X
INF$1,559 3 Months Full pre-existing coverage up to 99 years Most affordable full pre-existing plan Visitors Protect
IMG$3,373 3 Months Pre-existing coverage up to 99 years Includes UHC network + CareClix telehealth INF Elite X
INF$4,103 3 Months Full pre-existing coverage up to 99 years Higher pre-existing limit up to $20,000 INF Elite Plus X
INF$4,685 3 Months Full pre-existing coverage up to 99 years Includes preventive and maintenance care
Medical Insurance for Nigerian Visitors to the USA With Pre-Existing Conditions
If you or your visiting family member has a medical condition, understanding what type of pre-existing condition coverage you need is the most important step before buying a plan. Most visitor insurance plans cover emergency flare-ups of known conditions - but only a few cover ongoing treatment and doctor visits for those conditions.
Acute Onset Coverage
A sudden, unexpected onset of a pre-existing condition that occurs after coverage starts and requires immediate medical attention.
Best travel insurance with acute onset of pre-existing conditions are Patriot America Plus, Atlas America, and Safe Travels USA Comprehensive
Full Pre-Existing Coverage
A long-term or ongoing condition that existed prior to coverage and is generally managed over time
Best visitor insurance for pre-existing conditions are INF Elite X, INF Premier X and Visitors Protect (90-day minimum purchase).
Which Pre-Existing Conditions Are Covered by US Travel Insurance?
Compare visitors medical insurance that cover asthma attacks, flare-ups, and emergency treatment abroad.
- INF Elite 90 X: $1M medical, acute asthma coverage
- Visitors Protect: Pre-existing asthma & emergency care
Find visitors health insurance that helps cover arthritis pain, joint issues, and sudden medical care while traveling.
- INF Elite X: Emergency & acute arthritis coverage
- Safe Travels USA: $1M medical, acute pre-existing benefit
Get visitors travel insurance for diabetes, including emergency care for sugar level complications while overseas.
- SafeVista Protect: Diabetes & emergency medical coverage
- INF Elite X: Pre-existing diabetes coverage & emergency care
Choose travel insurance that covers heart problems such as chest pain, heart attack, or cardiac emergencies.
- Visitors Protect: Pre-existing heart condition coverage
- Safe Travels USA Comprehensive: Emergency cardiac care & hospitalization
Protect against health risks from high cholesterol with visitor medical insurance covering related complications abroad.
- Travel Medical Choice: Acute onset emergency coverage
- Elite Plus X: Covers Full pre-existing condition coverage
Find visitor health insurance that covers high blood pressure emergencies, strokes, or related complications while traveling.
- INF Premier X: Acute pre-existing & emergency care
- INF Elite Plus X: Full pre-existing hypertension coverage
Medical Insurance for U.S. Citizens Living in Nigeria Visiting the US
U.S. citizens and expats living in Nigeria frequently travel back to the United States to visit family, for business, or for other personal reasons. At American Visitor Insurance we have the best travel insurance for U.S. expats visiting USA.
Short term travel health insurance in USA for US citizens visiting the country that are designed by IMG a reputed US insurance provider are
Another popular travel insurance for U.S. citizen traveling to USA is Diplomat America insurance by Global Underwriters.
Cost of health insurance for US expats visiting the USA in 2026
Approximate monthly cost of expat health insurance for visiting USA for a 40-year-old traveler with a $100 deductible.
| Travel Insurance USA | Maximum Coverage | Provider Network | Cost |
|---|---|---|---|
| Patriot America Lite IMG | $50,000 |  |
$79 |
| Patriot America Plus IMG | $50,000 | |
$84 |
| Patriot Platinum America IMG | $2,000,000 | |
$161 |
| Diplomat America IMG | $50,000 | No PPO | $138 |
Source: American Visitor Insurance®
Looking For Travel Insurance For US Citizens Returning Home During War?
US citizens returning home during war or crisis need travel insurance that provides emergency medical coverage, evacuation, and protection for pre-existing conditions. Explore more options for US citizens, including short-term plans and pre-existing condition coverage, in our Best Travel Health Insurance for US Citizens Returning During War or CrisisHow to Choose the Best Visitor insurance for Nigerians in the USA?
Travel insurance is highly recommended for Nigerian visitors to the U.S. Medical costs can be very expensive in the U.S., and having suitable visitor insurance for the US from Nigeria will provide protection in the event of an unplanned medical emergency.
Key factors to consider while choosing the USA travel insurance for Nigerian tourists are:- Trip Duration: Different coverage options are available for short-term and long-term visitors to the USA.
- Traveler’s Age: Visitor insurance for Nigerians in the USA policies that cover senior travelers tend to be more costly and may have different coverage for pre-existing conditions.
- Coverage for Pre-Existing Conditions:
- Particularly significant for senior travelers or those with ongoing medical condition.
- Look for the USA travel insurance plans for Nigerian travelers that cover acute onset of pre-existing conditions (sudden, unexpected flare-ups)
- Check the look back period and coverage limits.
- Budget: Choose between a comprehensive visitors insurance plan for full protection or a budget plan with higher out-of-pocket risk.
Additional Tips
- Compare Medical Benefits: Look for the visitor medical insurance plans that offer coverage for hospitalization, doctor's visits, emergency medical treatment, and urgent care. Consider the plan that includes emergency medical evacuation.
- Be Aware of Exclusions: Understand what is excluded from the coverage. This includes any chronic condition progression, congenital condition or disorder, or elective treatment.
- Read the Policy Details Always read the complete policy details and compare multiple plans before selecting the plan that is best for you.
Long Stay in USA Travel Insurance - Find the Right Plan
Travelers planning to stay abroad for several months should consider long-term travel insurance, which is designed for extended stays and provides continuous medical coverage without the need to purchase multiple short-term plans.
This option is ideal for any travelers staying overseas for more than six months, offering better value, broader benefits, and peace of mind throughout the journey.
Not sure how long you're staying? Compare plans by duration: Travel Insurance for Parents Visiting USA for 3 Months from $117 ,Travel Insurance for Parents Visiting USA for 6 Months from $230.
Where Can I Buy the Best Travel Insurance for USA from Nigria?
You can buy the best Nigeria travel insurance to USA easily through American Visitor Insurance, a trusted platform specializing in travel medical insurance for international visitors to the United States.
Why Buy Through American Visitor Insurance?
American Visitor Insurance makes it simple for travelers from Nigeria to compare multiple travel medical insurance plans side by side. You can review coverage details, policy benefits, and pricing in one place and securely purchase your plan online within minutes.
The website offers detailed FAQs, blogs, and travel insurance guides based on real customer questions, helping Nigerian travelers clearly understand their options and choose the best insurance plan for their USA trip.
Best price guaranteed - no extra fees. Get an instant quote and purchase coverage online quickly and hassle-free, with pricing you won’t find lower elsewhere for the same coverage.
With over 20 years of experience in the U.S. visitor insurance industry, the licensed support team can answer questions, explain coverage details, and help travelers from Nigeria choose the right plan for their specific travel needs.
With customer support available across both East and West Coast U.S. time zones, assistance is provided during the application process and even with claims while travelers are in the United States.
American Visitor Insurance is a licensed U.S.-based insurance provider (NJ License #1181604), offering Nigerian travelers a reliable and secure way to purchase travel insurance online.
U.S. Travel Insurance Cost and Coverage Guide for Nigerian Visitors
Choosing the right travel insurance can feel confusing, especially with so many coverage options. To make it easier, here’s a simple example showing how a typical Nigerian traveler might select a suitable U.S. visitor insurance plan - including recommended coverage and average cost.
Example: Nigerian Couple Traveling to California
Couple aged 55 traveling for 3 weeks trip, including visits to national parks and golf activities.
- Recommended Coverage: $150,000 with $0 deductible and emergency medical evacuation
- Estimated Cost: Starting around $20 per month (₦32,000+), varies with exchange rate
- Longer Trips (5 – 364 days): Consider plans that cover pre-existing conditions and offer extended duration coverage.
Have You Already Arrived in the USA?
If you’re an Nigerian traveler, you might be wondering:
Can I still buy travel insurance after arrival in the USA?yes, you can purchase travel insurance even after entering the United States.
Many insurance providers allow international visitors to purchase coverage even after entering the United States.
- Coverage begins from the policy effective date, not your arrival date
- Any new illness or injury after the start date may be eligible for coverage
- Pre-existing conditions are generally not covered
- Some plans may offer limited coverage for the acute onset of pre-existing conditions
- Availability and benefits vary depending on the insurance provider and plan
To understand how post-arrival coverage works and compare the best options for Nigeria travelers visiting the USA, explore our detailed guide on buying travel insurance after arrival in the USA.
For personalized assistance, contact American Visitor Insurance at 877-340-7910.
Travel Preferences and Risks for Nigerian Travelers to the U.S.
- Popular activities: Nigerian travelers often combine sightseeing with shopping and leisure experiences, including visits to outlet malls, major cities, amusement parks, national parks, fine dining, and cultural attractions.
- Trip duration and purpose: Many travelers visit the U.S. for family visits, business, education, and tourism. Typical trips range from 5-14 days, while some visitors stay longer (up to 6-12 months) depending on visa type.
- Travel behaviour and risk patterns: Travelers engaged in outdoor activities, long international flights, or extensive shopping, may face minor emergencies or be at risk of minor injuries.
- Tech-savvy travelers: Nigerian visitors widely use mobile apps, online bookings, and digital payment platforms for trip planning, navigation, and communication during their stay.
- Cultural and language preferences: Travelers are generally comfortable with English (official language), but may appreciate personalized assistance and culturally familiar services during their trip.
lightbulb Tip: Choose a plan with a high coverage limit and emergency medical evacuation to stay protected.
Traveling to the USA? Stay Protected Against Any Border Entry Issues!
Border entry issues at the US border can be unpredictable. Our Border entry protection visitor insurance covers unexpected delays, denial of entry, and related travel disruptions. Protect your US travel investment with specialized border entry insurance available on American Visitor Insurance.
General Information About USA
Health Insurance for Nigerian Students in the USA
Nigerian students in the United States should ensure that they are properly covered with international student health insurance.
While most U.S. universities offer student health plans, these are often quite expensive. At American Visitor Insurance, we provide affordable student health insurance for Nigerian students that offers coverage comparable to university plans, but at much lower premiums.
Nigerian students can also buy OPT health insurance by comparing different OPT insurance options online. Our plans are designed to meet the needs of students on an F-1 visa as well as those on Optional Practical Training (OPT).
Major Airports & Travel Routes for Nigerian Visitors to the U.S.
-
Departure Airports in Nigeria
Nigeria has 3 major international airports that handle intercontinental flights: Murtala Muhammed International Airport (LOS), Nnamdi Azikiwe International Airport (ABV), Port Harcourt International Airport (PHC) -
Popular U.S. Arrival Airports:
Direct flights from Nigeria commonly arrive at major U.S. hubs such as:- New York JFK one of the busiest entry points.
- Atlanta (ATL) major hub with strong African connectivity
- Washington D.C. (IAD)
- Houston (IAH)
- Chicago O’Hare (ORD)
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Direct Flight Options
The most popular airlines flying from Nigeria to the United States are Qatar Airways, United Airlines, and Lufthansa. Other major carriers include Delta Air Lines, KLM, Air France, and Brussels Airlines.
Travel Insurance in the USA for Foreigners FAQs
Yes, Nigerian travelers can easily purchase travel health insurance for the USA. Visitors, tourists, students, and business travelers from Nigeria can buy visitor insurance plans that cover unexpected medical expenses during their stay in the United States.
It is recommended to purchase travel insurance before departing from Nigeria so coverage starts from the travel date. However, some plans also allow travelers to buy insurance after arriving in the USA, though coverage will begin only from the policy effective date.
Given the high cost of healthcare in the United States, having travel medical insurance is strongly recommended to avoid expensive out-of-pocket medical bills.
Visitor or travel medical insurance is designed to cover unexpected medical expenses while you are traveling outside your home country. It typically includes coverage for doctor visits, hospitalization, emergency medical treatment, and emergency medical evacuation or repatriation.
In case of a medical emergency, you can visit any doctor or hospital, and the insurance company may either bill the provider directly or require you to pay upfront and later file a claim for reimbursement.
For non-emergency situations, it is advisable to review your policy details and use in-network providers (if available) to reduce out-of-pocket costs.
Most Nigerian travelers on a B-2 tourist or B-1 business visa are not legally required to have Nigeria to USA visitor health insurance. However, it is highly recommended to purchase travel insurance prior to your trip due to the high costs of U.S. healthcare.
National health insurance from Nigeria is not generally accepted in the U.S. Even a minor hospital visit can cost thousands of dollars. Travel medical insurance for Nigerian travelers in the USA ensures that you are covered unexpected medical emergencies, hospitalization, and emergency evacuation.
- Seek medical care immediately either at a nearby hospital or urgent care facility.
- Contact your insurance company as soon as you can so they are informed of the incident and verify what is covered.
- Hospital procedure for Nigerian visitors:
- Present your insurance card or policy number.
- Present your ID and passport for verification.
- Some hospitals bill the insurance company directly, while others may require you to pay upfront and obtain reimbursement later.
- Keep all medical reports, bills and receipts in order to file a claim.
- Travel health insurance provides protection against unexpected medical and travel emergencies that may occur while traveling outside your home country.
- It is crucial for travelers to the USA to purchase a good travel medical insurance for USA from Nigeria.
- Travelers can purchase travel insurance plans covering the USA on various platforms.
- Travel insurance for the USA can be easily bought on the American Visitor Insurance website.
- For more details, travelers can call us at (877)-340-7910 or email, and the team will be glad to assist.
There are many US travel insurance plans in American Visitor Insurance offered by different reputed US insurance companies. These US travel health insurance plans for visitors from Nigeria have different medical maximum coverages, benefits and deductibles options.
Some of them also offer coverage for pre-existing medical conditions. Tourists from Nigeria can compare these different travel insurance plan options to find the best travel insurance for their specific needs.
There are broadly two two types of US travel medical insurance for visitors from Nigeria;
- Fixed benefit travel insurance : where there is a defined limit for each coverage benefit irrespective of the total policy coverage
- Comprehensive travel insurance: where there is no limit for the medical coverage up to the policy maximum
The US travel Insurance plans mainly cover the health of the traveller from Nigeria. These include unexpected sickness and injury, emergency medical evacuation, repatriation and acute onset of pre-existing condition. These travel insurance plans do not provide coverage for preventive care (taking vaccinations) or for regular pre-determined treatment of an existing ailment.
I am already in the US, Can I still get to buy travel insurance for the US?
Yes, Nigerian travelers can buy US travel insurance before starting their trip. Some plans are also available after arrival in the USA, but eligibility may vary depending on how long the traveler has already been in the country. Travelers should note that coverage begins only after the policy start date, and benefits apply for unforeseen illnesses or accidents after inception. For more details, see our guide on buying travel insurance after arrival in the USA
What happens if a tourist from Nigeria gets sick in USA? What happens if a Nigerian tourist goes to the hospital in the US? How are Nigerian tourists emergency hospital bills handled? What is involved in seeing a Doctor in the US as a tourist?
These are common concerns of Nigerian tourists visiting the US. International travelers to the US should be aware the US healthcare is very expensive and is usually covered by health insurance coverage which most US residents have.
It is hence important for international tourists in the US to buy the best US travel insurance since they have to pay for any medical expenses incurred while visiting USA. Being forced to visit an US hospital without good travel insurance can be devastating and one should buy US travel insurance for the entire duration of one's visit to the USA.
Yes, you can still buy travel insurance after departure. American Visitor Insurance offers specialized post-departure travel insurance plans designed for travelers who are already abroad. These plans provide coverage for unexpected medical emergencies, hospitalization, and urgent care.
Nigeria to USA Visitor Health Insurance Reviews
"Excellent service for my US trip insurance. I was able to get coverage quickly before my departure from Seoul. The support team helped me compare plans and choose the right coverage for my stay."
"Good experience overall. I was looking for affordable USA travel insurance from Nigeria and found the comparison very useful. Customer support responded quickly to my questions about coverage and pre-existing conditions."
"Very satisfied with the travel insurance options provided. I especially liked how clearly everything was explained for USA medical expenses. The purchase was quick and the policy was delivered instantly by email."
Nigerian Embassy & Consulates in the United States
Embassy of Nigeria, Washington, D.C.
Address3519 International Court, NW, Washington, DC 20008
Phone
(202) 800-7201 (Ext. 100)
Fax
+1 (202) 362-6525
Email
info@nigeriaembassyusa.org
Consulate General of Nigeria (Houston, Texas)
Address8060 Villa Cuellar Dr, Houston, TX 77071
Phone
+1 (713) 961-0186
Fax
+1 (713) 961-3340
Email
info@nigeriaconsulatehouston.org
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