IMG Patriot America Plus
Best overall for Nigerians. Largest PPO network, multilingual support, trusted at every major US hospital.
Best for: First-time visitors, families
WorldTrips Atlas America
Best for seniors and maximum protection. $2M coverage, $1M evacuation, highest pre-existing limit.
Best for: Seniors 65+, long stays
Trawick Safe Travels USA
Best budget option. Lower premiums at all ages, free telehealth, flexible deductibles to $5,000.
Best for: Budget buyers, under 65
Nigeria's NHIS and HMO Plans Have No US Coverage
Nigeria's NHIA (National Health Insurance Authority) covers formal-sector enrollees at accredited Nigerian Health Maintenance Organisations (HMOs) only — it has zero reimbursement authority in the United States. Nigeria and the US have no bilateral healthcare agreement. A US ER visit averages $3,100; one hospital night averages $11,700. With over 320,000 Nigerian-Americans in Texas, Maryland, and New York, parents visiting on a B-2 visa are especially vulnerable — a single cardiac event or hypertension crisis in the US can exceed NGN 5.1 million with no NHIA reimbursement.
Nigeria is one of the top 10 countries sending visitors to the USA, with a large diaspora that regularly brings family members for extended visits.
Why Visitors Insurance Matters in the USA
The United States has the most expensive healthcare system in the world. A single emergency room visit costs $3,100–$8,000 on average. One night of hospitalization runs $11,700. A cardiac event with ICU care can exceed $150,000. Your home country's health insurance covers exactly $0 of these bills in the USA.
Visitors insurance is specifically designed to fill this gap. It's short-term US health coverage that you purchase before or immediately after arrival. Plans are issued by A-rated US carriers, accepted at any US hospital, and typically cost $1–$3 per day depending on age and coverage level.
Complete Plan Comparison
| Feature | IMG Patriot Plus | WorldTrips Atlas | Trawick Safe Travels |
|---|---|---|---|
| Maximum Coverage | $1,000,000 | $2,000,000 | $1,000,000 |
| Deductible Options | $0–$2,500 | $0–$5,000 | $0–$5,000 |
| Acute Onset Pre-Existing (under 70) | Policy maximum | Policy maximum | Policy maximum |
| Acute Onset Pre-Existing (70–79) | Not covered | $100,000 | $35,000 (USA) / $25,000 (Elite) |
| Emergency Evacuation | $500,000 | $1,000,000 | $500,000 |
| PPO Network | UHC Choice Plus | First Health/Cofinity | First Health PPO |
| Telemedicine | Available | Available | Included free |
| Prescription Drugs | Covered | Covered | Covered |
| Emergency Dental | Up to $250 | Up to $500 | Up to $250 |
| Repatriation of Remains | Included | Included | Included |
| Maximum Age | 99 years | 99 years | 89 years |
| Coverage Periods | 5 days–1 year | 5 days–364 days | 5 days–364 days |
| Trip Interruption | Up to $5,000 | Up to $10,000 | Up to $5,000 |
| In-Network Coinsurance | 80% after ded. | 80% after ded. | 80% after ded. |
| Coinsurance Cap | $5,000 max OOP | $5,000 max OOP | $5,000 max OOP |
Monthly Cost by Age — $100K Coverage, $250 Deductible
| Age | IMG Patriot Plus | WorldTrips Atlas | Trawick Safe Travels |
|---|---|---|---|
| Age 30 | $28/mo | $26/mo | $23/mo |
| Age 40 | $38/mo | $35/mo | $32/mo |
| Age 50 | $52/mo | $48/mo | $45/mo |
| Age 60 | $78/mo | $72/mo | $68/mo |
| Age 65 | $105/mo | $95/mo | $88/mo |
| Age 70 | $145/mo | $130/mo | $120/mo |
| Age 75 | $195/mo | $175/mo | $158/mo |
| Age 80 | $265/mo | $240/mo | Not available |
Representative rates — exact pricing varies by exact age, trip dates, and deductible. Get a live quote for Nigerians above.
Which Plan is Best for Your Situation?
| Situation | Best Plan |
|---|---|
| First-time visitors / tourists | IMG Patriot America Plus |
| Seniors 65–69 | WorldTrips Atlas America |
| Seniors 70–79 | WorldTrips Atlas America |
| Budget-conscious buyers | Trawick Safe Travels USA |
| Pre-existing conditions (under 70) | All three plans tied |
| Pre-existing conditions (70–79) | WorldTrips Atlas America |
| Maximum possible protection | WorldTrips Atlas America |
| Families with children | IMG Patriot America Plus |
How to Get Covered in Minutes
Enter Your Details
Enter the traveler's date of birth, travel dates, and destination. No personal information or account required — just basic trip details.
Compare Live Plans
See real-time pricing from IMG, WorldTrips, and Trawick side-by-side. Filter by deductible, coverage limit, or price. Read full benefit details.
Buy & Get Covered Instantly
Complete your purchase online in minutes. Policy documents and insurance ID cards are emailed immediately — coverage starts your selected start date.
Get an Instant Quote for Nigerians
Compare IMG, WorldTrips, and Trawick live. Enter the traveler's date of birth and trip dates — no account needed. Coverage can start today.
Compare Plans — 🇳🇬 Nigeria →Frequently Asked Questions — Nigerians Visiting the USA
Can I buy visitor insurance for my Nigerian parents visiting the USA?
Yes — this is one of the most common purchases we handle for the Nigerian-American community. You can purchase a plan online on behalf of parents or family members, even before they depart Nigeria. Plans cover travelers up to age 99 and most include acute onset coverage for conditions like hypertension, diabetes, and heart disease, which are common among older Nigerian visitors.
Does Nigeria's NHIA or HMO health plan cover medical treatment in the USA?
No. Nigeria's NHIA (National Health Insurance Authority) and HMO-administered plans only cover treatment at accredited Nigerian healthcare facilities. They have zero reimbursement authority in the United States. Without dedicated visitor insurance, any US medical treatment is entirely out-of-pocket. An ER visit alone averages $3,100; a cardiac admission can exceed $80,000.
Is health insurance required for a US visa from Nigeria?
Visitor insurance is not formally required for a B-2 tourist visa, but US consular officers at the Lagos and Abuja embassies strongly advise it. Including proof of insurance with your application demonstrates financial responsibility and can strengthen your visa case. For J-1 visa holders, specific insurance minimums are legally required.
What visitor insurance plan is best for Nigerians visiting the USA?
For Nigerian visitors, we recommend IMG Patriot America Plus for its A-rated carrier status and comprehensive acute onset pre-existing condition coverage. Trawick Safe Travels USA Comprehensive is a strong value option. For Nigerian seniors with serious cardiac or hypertensive history, WorldTrips Atlas America provides up to $2,000,000 in coverage.
How much does visitor insurance cost for Nigerian visitors?
Plans typically start around $1.10–$2.00 per day. A healthy Nigerian adult under 60 visiting for 30 days usually pays $35–$80. A senior over 70 visiting for 30 days might pay $100–$200 depending on coverage level. Given that a single US hospitalization can exceed ₦47 million, even the most comprehensive plan is a fraction of the potential risk.
How long does it take to activate coverage?
Coverage is instant. Purchase online and receive your insurance ID card and policy documents by email within minutes. Accident coverage typically begins immediately; illness coverage begins after a 24–72 hour waiting period. We recommend purchasing before departing Nigeria to ensure full coverage from day one.
Does visitor insurance cover emergency medical evacuation from the USA?
Yes — most plans include emergency medical evacuation coverage. If you need to be medically repatriated to Nigeria, the insurance covers the cost of medical air transport (which can exceed $100,000 on its own). This benefit is critical for Nigerian visitors given the distance between the USA and Nigeria and the extreme cost of international air ambulance services.
Related Guides for Nigerians
Written by Ty Taylor, TX #2608479TX · Tower Hill Travel Insurance · Updated May 2026