Tower Hill Travel Insurance
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Visitor Insurance for Nigeria

Visitor Insurance for Nigerians Visiting the USA

NHIS coverage and Nigerian private health plans have no validity in the United States. One US hospital bill can wipe out years of savings.

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The Coverage Gap

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.

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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.

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$3,000+
ER Visit
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$11,700/night
Hospital Stay
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$1,500
Ambulance Ride
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$50,000+
Major Surgery

Why Tower Hill

Trusted by 60,000+ International Travelers

We partner with the top A-rated carriers so you get the best coverage, not the highest commission.

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A-Rated Carriers Only

Every plan we offer is from a financially strong, A-rated insurer — IMG, Trawick International, or WorldTrips.

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Compare & Buy in 5 Minutes

No phone calls, no paperwork. Compare plans side-by-side and purchase online. Instant policy documents.

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Coverage in 151 Countries

Whether you're visiting the USA or traveling worldwide, we have a plan designed for your journey.

Our Plans

Compare Top Visitor Insurance Plans

All plans designed specifically for visitors to the USA — covering emergency medical, hospitalization, evacuation, and more.

Most Popular

IMG Patriot America Plus

From $1.10/day
Coverage up to Up to $1,000,000
  • A-rated by A.M. Best
  • Covers acute onset of pre-existing conditions
  • Emergency medical evacuation included
  • COVID-19 treatment covered
  • Deductible from $0–$2,500
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Best Value

Trawick Safe Travels USA

From $1.25/day
Coverage up to Up to $1,000,000
  • Comprehensive emergency coverage
  • 24/7 multilingual assistance
  • Hospital direct billing available
  • Covers acute onset of pre-existing conditions
  • Renewable up to 12 months
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Premium Option

WorldTrips Atlas America

From $1.50/day
Coverage up to Up to $2,000,000
  • Highest coverage limit available
  • Ideal for seniors and longer stays
  • Covers urgent care and telehealth
  • A.M. Best A-rated carrier
  • Flexible deductible options
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Prices vary by age, coverage level, and trip dates. Get an exact quote for your trip.

Common Questions

Frequently Asked Questions

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.
What is the minimum coverage I should get?
For visits to the USA, we recommend a minimum of $100,000 in medical coverage. US healthcare costs are among the highest in the world, and even a short hospitalization can exceed $50,000.
How do I file a claim if I need medical care?
Call the 24/7 assistance number on your insurance ID card before seeking treatment when possible. For emergencies, go directly to care — your insurer can sort out billing afterward. All major insurers we work with have direct billing relationships with US hospitals.

Learn More

Visitor Insurance Guides

Visitor Guide

Visitors Insurance for Nigerians in the USA

Coverage options, pre-existing conditions, costs, and plan comparisons for Nigerians.

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Parents Guide

Visitors Insurance for Nigerians Parents in the USA

In-depth guide: pre-existing conditions, real costs, and which plan fits your parents' health situation.

Read Guide
Coverage

Travel Insurance with Pre-Existing Conditions

What "acute onset" coverage means and which plans protect travelers with health conditions.

Read Guide
Americans Abroad

Travel Insurance for Americans Visiting Nigeria

Your US health insurance won't cover you in Nigeria. Compare international plans for Americans.

Read Guide

For Nigerians Traveling to Other Countries

International Travel Insurance for Nigerians

Planning a trip to Europe, Asia, or beyond? Nigeria's health coverage provides no protection abroad. Compare plans for Nigerians traveling internationally.

See Intl Guides

Visitor Insurance for Other Nationalities

🇦🇷Argentina🇦🇺Australia🇨🇦Canada🇩🇪Germany🇭🇰Hong Kong🇮🇱Israel🇮🇹Italy🇰🇷South Korea🇲🇽Mexico🇸🇬Singapore🇨🇭Switzerland🇦🇪UAE🇬🇧United Kingdom🇮🇳India🇵🇭Philippines🇨🇳China🇯🇵Japan🇧🇷Brazil🇫🇷France🇨🇴Colombia
Browse all 194 countries →See all visitor insurance plans →
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