₦airaland Forum

In my own point of view, you are paying for "peace of mind," not a savings account. You cannot get a refund just because you stayed healthy. The only way to get money back is to cancel very quickly after buying the policy or to prove a genuine emergency forced you to fly home early.

GIFTEDPLANNERS:
What if you are back in Nigeria and you didn't fall ill will your money be refunded back

You are correct, some travelers hide pre-existing medical conditions because standard travel insurance either excludes coverage for those conditions for a period (often 6 to 12 months) or denies coverage entirely. However, hiding medical issues is risky and can backfire badly.

zed7:
People hide their medical issues because a lot of insurance companies will not accept them or in some cases, will not be responsible for their medical condition for a year.

Here is where many people mess up. They rush to the portal, see a dropdown menu with 13 options, and just pick the first one that looks close. Big mistake. Pick the wrong category and your application gets denied. No refund. No appeal. You just wasted your money and time.
Let me save you from that headache.

Below is the full list of every e-Visa category available in 2025. Read each one carefully. Then pick the one that matches your actual reason for coming to Nigeria.

You have high blood pressure. Or asthma. Or maybe diabetes that runs in the family. You're filling out a travel insurance form online. There's a question: "Do you have any pre-existing medical conditions?" You hesitate. Your finger hovers over "No." After all, it's just a little condition. They won't find out, right? Wrong.
Someone I know, travelled to the US with her family. She'd had hypertension for years but didn't declare it on her travel insurance application. She had a hypertensive crisis in New York. Hospital bill: $8,500 (about ₦13 million). The insurer denied her claim because she failed to disclose a pre-existing condition. She's still paying that debt.

How to properly declare pre-existing conditions, which insurers in Nigeria actually cover them, what it will cost you, and how to make sure your claim doesn't get denied.

What Counts as a "Pre-Existing Condition" for Travel Insurance?

Any medical condition you've been diagnosed with, received treatment for, or had symptoms of before buying the policy. Even if it's "under control."

Common conditions Nigerians need to declare:

Hypertension (high blood pressure): very common
Diabetes (Type 1 or Type 2)
Asthma (especially if you use an inhaler)
Sickle cell trait or disease
Epilepsy or seizure disorders
Heart conditions (angina, previous heart attack)
Cancer (even in remission)
Kidney disease
Mental health conditions (depression, anxiety, bipolar)
Allergies (severe ones, anaphylaxis)
HIV/AIDS (some insurers cover, some don't)