travel insurance

Unlike many other countries, travel insurance is not compulsory for travelers or tourists visiting Ghana. 

Travel insurance shields you from financial burden you could incur from expensive international costs for medical care, baggage losses, and other expenses during your trip

Do you need Travel Insurance when visiting Ghana?

And so, though not mandatory, all visitors should buy travel insurance to be safe.

In this article, we will be taking a deeper look at travel insurance. We will explore the different types, the costs, the benefits you stand to gain from getting it, and many more. Keep reading for all the deets!

What is Travel insurance?

Let’s start with understanding precisely what Travel insurance is, 

Travel insurance is a service that provides travelers with financial protection in case they encounter any money challenges during their trip.

The insurance usually covers medical expenses, baggage losses, delayed departure, and other specific emergencies. 

Many different insurance companies offer this service; we will get into that shortly. 

How much is travel insurance?

Globally, the average cost of travel insurance is 5% or 6% of the total cost of your trip. So, for instance, if your trip to Ghana costs $5,000, your travel insurance will cost about $228 on average. 

 travel insurance
How much is travel insurance?

You will also have rates ranging from $154 to $437, depending on whether you choose a basic policy or one with more generous coverage.

But of course, to be more competitive in their niche, all the insurance companies provide clients with varied offers. You’ll have to research the one that works best for you.

Does Ghana require travel insurance?

No, travelers coming to Ghana are not required to have travel insurance. But if you ask me, it is in your best interest to insure yourself. Life is full of uncertainties, after all. 

What is the best travel insurance?

The definition of ‘best travel insurance is relative because every traveler has a particular requirement most vital to them. But you needn’t worry because we have researched for you.

According to Investopedia, the best insurance company for medical coverage is GeoBlue. And so, if medical care is your priority, well, there you go.

The travel insurance company to turn to for the best value is InsureMyTrip. Nationwide is best for cruises, and World Nomads should be your pick if you want the most comprehensive coverage.

But all in all, Travelex and Allianz Travel Insurance are the best companies to consider when looking to insure your trip to Ghana.

What amount should I pay for travel insurance?

Travel insurance costs across the world range from 4% to 10% of your non-refundable, prepaid trip cost. 

The rates vary from company to company; however, the average cost borders around 5% to 6% of your total trip cost.

What are the three types of travel insurance?

Here are the various types of travel insurance package you may suscribe to,

Medical insurance

The Package covers all costs relating to your health care during your stay. So, in case of any medical emergency, no matter how dire, this travel insurance coverage will take care of the costs.

Note, however, that sometimes, this insurance does not cover diseases or illnesses you already suffer. Do well to read the policy agreement carefully before buying the insurance.

Luggage insurance

This travel insurance coverage comes in handy in case where your bags and other luggage get lost, stolen, or destroyed. 

The travel insurance company will take care of this by settling you in the monetary value of all your lost possessions.

Cancellation/interruption insurance

The Package covers all the costs incurred due to flight delays, trip postponement or cancellation, and other situations that affect the duration of your trip. 

It only covers epidemics, pandemics, and other unforeseen delays.

Is it worth it to buy travel insurance?

Travel insurance is expensive, but it is generally worth the investment if you consider how much it saves you from the burden of extra costs that travel emergencies incur.

How much is travel insurance
travel insurance


Travel insurance is not mandatory when visiting Ghana, but you are better off buying it to shield you from emergency expenses. The insurance can cover the costs of your medical care, lost luggage, and even cases where your trip is canceled or interrupted in any other way.

Despite the existence of loopholes and how expensive they can be, travel insurances generally make it worth your while.

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