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 National Health Insurance Scheme (NHIS) and private HMO plans from providers like Hygeia, Reliance HMO, and Leadway Health only cover treatment within Nigeria's accredited healthcare providers. They have zero coverage outside Nigeria. Nigerians visiting the USA for education, business, tourism, or family visits — as well as those attending medical appointments — must have dedicated visitor insurance to protect against US medical billing.

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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 very common. You can purchase a plan online on their behalf — even before they travel. Plans include coverage for older visitors and often include protection for the acute onset of pre-existing conditions.
Is health insurance required for a US visa from Nigeria?
Proof of insurance is not formally required for a B-2 tourist visa application, but it is strongly recommended by US consular officers. For visa types requiring insurance (such as J-1), specific coverage minimums apply.
How long does it take to activate coverage?
Instantly. Purchase online and receive your insurance ID card and policy by email within minutes. Accident coverage begins immediately; illness coverage typically begins after a 24–72 hour waiting period.
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.
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Protect Your Trip to the USA

Join 60,000+ travelers who trust Tower Hill for US visitor insurance. Get your personalized quote in under 2 minutes — no commitment required.

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Texas License #2608479TX · A-rated carriers · 151 countries covered