Mandatory Visa Requirement

Schengen Travel Insurance for Ghanaian Nationals

Ghanaian nationals visiting Europe on a Schengen visa are required to carry insurance with at least €30,000 in medical coverage. Get an embassy-accepted certificate instantly.

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Mandatory Requirement for Ghanaian Nationals

All Schengen visa applicants from Ghana must submit proof of travel insurance with at least €30,000 in medical coverage as part of their visa application. Without a valid insurance certificate, your application will be rejected.

Applying at Accra

Ghanaian nationals apply in Accra through Schengen embassies. Germany and the UK consulate are popular routes into Europe. Documentation requirements are standard — ensure your insurance certificate is from a recognized international insurer.

Germany, France, Netherlands, and Italy are popular Schengen destinations for Ghanaian travelers. Regardless of your destination, all Schengen visas require the same insurance — €30,000 minimum coverage valid for all 29 member states.

What Your Insurance Must Cover

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€30,000 minimum medical

Emergency treatment and hospitalization

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Emergency evacuation

Air ambulance if needed

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Repatriation of remains

If death occurs abroad

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All 29 Schengen states

Not just your primary destination

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Full trip duration

First day to last day of travel

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Recognized insurer

Internationally accepted carrier

Embassy-Accepted Plans for Ghanaian Nationals

Plan	Max Coverage	Evacuation	Starting At
WorldTrips Atlas International Highest coverage ceiling	Up to $2,000,000	$500,000	From ~$8/week
IMG Global Patriot International Best for longer stays	Up to $1,000,000	$500,000	From ~$9/week
Trawick International Safe Travels International Strong direct billing network	Up to $1,000,000	$500,000	From ~$8/week

All plans exceed the mandatory €30,000 Schengen requirement. Prices vary by age and trip duration.

How to Get Your Insurance Certificate

Get an instant quote

Use our quote tool to enter your travel dates, age, and country of residence (Ghana). Quotes are instant.

Select your plan

Choose from WorldTrips Atlas International, IMG Patriot International, or Trawick Safe Travels International.

Receive your certificate

Your insurance certificate arrives by email immediately. It shows your name, travel dates, €30,000+ coverage, and the insurer's contact details.

Submit with your visa application

Print or present your PDF certificate at the Schengen consulate in Accra alongside your other visa documents.

Get My Certificate Now →

📋 Important Documentation Note

Accra-based Schengen consulates require insurance from recognized international carriers. Our WorldTrips, IMG, and Trawick policies are all accepted.

Frequently Asked Questions

Do Ghanaian nationals need travel insurance for a Schengen visa?▾

Yes. All Schengen visa applicants from Ghana must purchase travel insurance with at least €30,000 in medical coverage valid throughout all 29 Schengen countries for the entire trip duration. The policy must include emergency medical evacuation and repatriation of remains. This is a mandatory requirement — your application will be rejected without it.

What insurance do Ghanaian nationals need for a Schengen visa?▾

Ghanaian nationals need a Schengen travel insurance policy that meets all of the following: €30,000 minimum medical coverage, coverage for all 29 Schengen member states, valid for the full duration of your intended stay, issued by an internationally recognized insurance company, includes emergency medical evacuation and repatriation of remains. Plans from WorldTrips, IMG, and Trawick International all meet these requirements.

How much does Schengen insurance cost for Ghanaian nationals?▾

Schengen travel insurance for Ghanaian nationals typically starts from $8–$10 per week for travelers under 40. Prices increase with age — a 60-year-old might pay $15–$25/week. The exact cost depends on your age, trip duration, and chosen coverage level. Plans with higher maximums (up to $1 million) are available for $20–$40/week. All plans include the required €30,000 minimum.

Is my Tower Hill insurance certificate accepted at the Ghanaian Schengen consulate in Accra?▾

Yes. Tower Hill partners with WorldTrips (Atlas International), IMG (Patriot International), and Trawick International — all internationally recognized carriers whose policies are accepted at Schengen consulates worldwide, including in Accra. Your insurance certificate is delivered instantly by email in PDF format and includes all required information.

What happens if my Schengen visa is denied? Can I get a refund?▾

Yes. If your Schengen visa is denied before you travel, you may request a refund by submitting a copy of your visa denial letter. Contact Tower Hill at support@towerhillcorp.com or (832) 856-1704 and we will coordinate the refund request with the carrier. Most carriers process visa denial refunds within 5–10 business days.

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