How To Get Travel Insurance In Ghana: Step-by-Step Guide


People travel for so many reasons, it can be for leisure or business. However, embarking on a journey both domestically and abroad is not just about exploring but also about ensuring a safe and secure journey, because in the midst of excitement and anticipation, people tend to overlook the risks that can arise during travel. This is where travel insurance comes in.

In Ghana as in other places, there are so many uncertainties on the road, air or sea. From flight cancellations and medical emergencies to lost luggage and unexpected trip interruptions but with the right travel insurance, you’re safeguarded against these unforeseen circumstances. Travelers can now have peace of mind and financial protection against future risks.

So, in this article, we will cover a lot about travel insurance in Ghana, answer your probing questions and explain the steps on how to get travel insurance in Ghana.

What is travel insurance?

Travel insurance is a type of insurance policy that  provides coverage for a variety of unforeseen events that can occur before or during a trip.

Travel insurance provides coverage in case of the following reasons:

  • Medical Emergencies: It covers expenses related to unexpected illnesses or injuries during the trip, including hospitalization, emergency medical treatment etc.
  • Trip Cancellations or Interruptions: If a trip is canceled or interrupted due to covered reasons such as illness or natural disasters, travel insurance can reimburse non-refundable trip costs
  • Travel Delays: Travel insurance provides coverage for additional expenses incurred due to travel delays, such as accommodation, meals and transportation.
  • Baggage Loss or Delay: If your baggage is lost, stolen, or delayed during the trip, travel insurance can reimburse you for the cost of replacing essential items or compensating for the inconvenience.
  • Personal Liability: If you accidentally injure someone or damage their property while traveling, travel insurance provides coverage for legal expenses and damages.

Types of Travel Insurance Available

1. Single Trip Insurance

This type of travel insurance is for one-time trips, it provides coverage for the duration of a specific journey, usually from a few days to several weeks.

2. Multi-Trip Insurance

This type of travel insurance is for frequent travelers, it covers an unlimited number of trips within a year, with a maximum duration per trip stated in the policy.

3. Special Coverage

This type of travel insurance policy offers coverage tailored to specific needs, for example, adventure activities like hiking, scuba diving or pre-existing medical conditions. These policies may have additional premiums or requirements.

Do I Need Travel Insurance for Ghana?

Not really. Travel insurance is not mandatory for visitors to enter the country. However, travel insurance is recommended for international trips to Ghana or anywhere else to protect travelers against preventable financial burden. Since travel insurance is affordable, it will diminish most of the risk or damage you may incur during your trip.

How Much Does Ghana Travel Insurance Cost?

The prices of travel insurance in Ghana may vary depending on both your budget, the duration of a trip, the number of people going on the journey and their ages. It is also determined by the risks involved, that is, a trip that lasts for one month would cost more than a trip lasting for a week and vice versa with the same travelers.

Step-by-step guide on how to get travel insurance in Ghana

Here’s a step-by-step guide on how to purchase travel insurance in Ghana.

Step 1: Research Insurance Providers

Begin by researching reputable insurance companies in Ghana that offer travel insurance coverage. You can do this by searching online, asking for recommendations from friends or family, or consulting with insurance brokers.

Step 2: Compare Coverage Options

Once you’ve known potential insurance providers, compare the coverage options they offer, like exclusions, benefits and premiums. In addition, factors such as baggage loss/delay coverage, medical coverage limits, trip cancellation coverage, or any additional features should be considered.

Step 3: Choose a Policy

Select the travel insurance policy that best meets your individual needs and travel plans. Ensure that the policy provides adequate coverage for your destination, duration of travel, planned activities, personal health and other factors you deem necessary. In addition, don’t just go for the cheapest policy, understand the scope of coverage before choosing because as we all know, what you pay for is what you get.

Step 4: Make a purchase

After choosing a policy to work with, you make a purchase. It can be done;

  • Online: Many insurance companies in Ghana make it  convenient for people to purchase travel insurance online through their websites or mobile apps. Simply visit the insurer’s website, navigate to the travel insurance section and follow the instructions to input your travel details, select coverage options and make payment securely.
  • Through Insurance Brokers: You can also purchase travel insurance through insurance brokers who represent an  insurance company. Insurance brokers provide personalized advice, help you compare policies from different insurers, and assist with the purchase process.
  • Direct Contact with Insurance Companies: If you prefer direct meetings, you can contact insurance companies directly via phone, email, or in-person visits to inquire about travel insurance options and purchase a policy. This way, the representatives of an insurance company can guide you through the process and answer any questions you may have on the spot.

Step 5: Policy Documentation and Terms

After purchasing travel insurance, carefully review the policy documentation provided by the insurance company. Pay close attention to the terms and conditions of the policy, including coverage limits, exclusions, deductible amounts, claim procedures and policy expiration dates.

Key documents you may receive include:

  • Policy Summary: This is a brief overview of the coverage and benefits included in the policy.
  • Policy Terms and Conditions: This contains information about the coverage, exclusions, and obligations of both the insurer and the insured in more detail.
  • Certificate of Insurance: This is proof that you have been insured. You may need to present this during your travels or when filing a claim.

Finally, you need to take the time to familiarize yourself with the policy documentation and ensure you understand the terms and conditions before embarking on your trip. If you have any questions or need clarification on any aspect of the policy, don’t hesitate to contact the insurance company for assistance.

Step 6: Making a claim

After purchasing your travel insurance, you can now make a claim in case of emergencies or incidents during your travel.

To make a claim, you need to:

  • Contact your insurance provider to notify them as soon as possible after the incident occurs (most insurance companies have helplines or assistance services available 24/7 ).
  • Provide details of the incident, including your policy number, location, and nature of the emergency.
  • Your insurance provider will guide you through the claim process and may provide specific instructions on what to do next. Follow their guidance carefully and provide any additional information  they request.
  • Keep detailed records of the incident, including photos, receipts, police reports (if applicable), medical reports, and any other relevant documentation that supports your claim.
  • Your insurance provider may require you to complete claim forms to initiate the claims process. Fill out the forms accurately and completely, providing all requested information and supporting documentation.
  • Submit all required claim documents to your insurance provider.
  • After submitting your claim documents, follow up with your insurance provider regularly to check the status of your claim and ensure that it is being processed promptly.
  • Once your claim has been processed, carefully review the claim settlement provided by your insurance provider and verify that the settlement amount and coverage align with the terms of your policy.

Travel Insurance Providers in Ghana

Here is a list of some recommended insurance providers in Ghana that offer travel insurance coverage:

  • Phoenix Insurance Company Limited
  • Enterprise Group Insurance Company Limited
  • SIC Insurance Company Limited
  • Old Mutual Insurance, Ghana
  • Hollard Insurance Ghana Limited
  • GLICO Life Insurance, Ghana
  • Activa International Insurance Company Ghana Limited
  • Allianz Insurance Company Ghana Limited
  • Vanguard Assurance Company Limited
  • Metropolitan Insurance Company Limited

These insurance companies are well-established in Ghana and offer several insurance products, including travel insurance. It is best to research each company further to compare their travel insurance policies and choose the one that best meets your specific travel needs.


In conclusion, getting travel insurance in Ghana is very important, though it may seem like an extra expense, it provides an invaluable peace of mind .

In the article, we’ve explained how to get travel insurance in Ghana. Remember to start by researching insurance companies online or asking for recommendations, compare their policies, choose a provider, contact them directly or visit their office to discuss your needs and purchase a policy,  provide accurate information about your trip and any pre-existing conditions, read the policy carefully to understand what is and isn’t covered. And that’s it!

So as you plan your next trip, remember that travel insurance can make all the difference between a smooth journey and a stressful one. Make sure you have the protection you need with travel insurance. You will be glad you did. Safe travels!



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