Travelling from Ghana
Travel Insurance from Ghana — 2026 Buyer's Guide
For a Schengen visa, travel insurance is not optional — it's a legal requirement under Article 15 of the Community Code on Visas. For the UK, US and Canada it isn't mandatory for the visa, but going without it is a financial gamble most Ghanaian travellers can't afford. Here's what actually counts as compliant cover, what it costs in cedis, and which providers Ghanaian applicants use most in 2026.
Last verified: November 2025. See editorial policy.
The Schengen minimum — €30,000
Your policy must:
- Cover at least €30,000 in medical expenses, including emergency hospitalisation.
- Be valid across all Schengen states, not just the country of application.
- Cover repatriation (medical evacuation back to Ghana, or in case of death).
- Be valid for the entire visa duration, plus a 15-day buffer for multi-entry visas.
The full text is in EU Regulation 810/2009 (the Visa Code). VFS, BLS and TLScontact in Accra will physically check the cover amount and dates.
Providers Ghanaians use in 2026
| Provider | 10-day Schengen cover (GHS approx) | Notes |
|---|---|---|
| Hollard Ghana | 350–450 | Issued in Accra, accepted at all Schengen consulates. Easiest to claim locally. |
| Activa International | 300–400 | Pan-African insurer, branches in Osu and East Legon. |
| Enterprise Insurance | 320–420 | Long-established Ghanaian insurer. |
| AXA Schengen | 450–600 | Issued instantly online, downloadable PDF. The most universally accepted internationally. |
| Europ Assistance | 500–700 | Strong repatriation network across Europe. |
| World Nomads | 600–900 | Best for adventurous travellers (hiking, diving). Accepts Ghanaian residents. |
Prices are illustrative for a healthy adult, 10-day trip, €30,000 cover. Older travellers and pre-existing conditions push prices up.
UK, US and Canada — different game
- UK: Not required for a Standard Visitor Visa, but A&E at any NHS hospital costs £200–£400 per visit for non-residents. Get cover.
- USA: Not required for a B1/B2, but a single emergency room visit averages USD 1,500–3,000. Cover of at least USD 100,000 is the realistic minimum.
- Canada: Provinces have no reciprocal healthcare for visitors. IRCC recommends USD 100,000 cover. Some Super Visa categories require CAD 100,000 cover for one year.
What's actually in the small print
- Pre-existing conditions. Most cheap policies exclude them. If you have hypertension, diabetes, or asthma, declare it and pay the surcharge — otherwise a claim will be denied.
- "Sports" exclusions. Bungee jumping, skiing, scuba diving, motorbike rental — all extra. Read the schedule of benefits.
- COVID-19 cover. Most 2026 policies include it, but a few legacy products don't. Confirm before paying.
- Excess (deductible). A USD 250 excess on a USD 500 claim means you collect USD 250.