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Travel insurance from Ghana

Schengen visa cover and what policies include

Home, business & travel2 min read · Reviewed on by the Tulinde editorial team · how we check facts

Short answerChecked 31 October 2026
For a Schengen visa, the EU Visa Code requires travel medical insurance of at least €30,000, valid in all Schengen states for the whole stay and covering medical emergencies, urgent hospital treatment and repatriation (Regulation (EC) No 810/2009, Article 15). In Ghana, travel insurance is sold by the non-life insurers licensed by the NIC; the NIC lists medical expenses and evacuation, trip cancellation, baggage, delays, accidental death, personal liability and emergency assistance among typical covers.
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Answers come from the law, the regulator and the insurers' own documents, with the source under each answer. General information, not advice.

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The Schengen visa rule

  • Minimum cover of €30,000 for medical emergencies, urgent medical attention, emergency hospital treatment and repatriation, including for medical reasons or death (Visa Code, Article 15).
  • Valid throughout the territory of the Schengen states and for the entire stay.
  • Applicants should in principle buy it in their country of residence (same article).

The European Commission lists travel medical insurance among the documents of a Schengen visa application (Applying for a Schengen visa). The embassy or visa centre handling your application has the final say on the documents it accepts.

What travel insurance includes

The NIC's insurance products page describes travel insurance as protection during domestic or international travel, typically covering medical expenses and evacuation, trip cancellation or interruption, baggage loss or damage, travel delays, accidental death and disability, personal liability and emergency assistance. Travel insurance brought in GH¢23.28 million of insurance revenue in 2024 (NIC Annual Report 2024).

Check the insurer on the NIC register and get the policy certificate in writing, with your name, travel dates and the medical limit, before the visa appointment.

Already insured?

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Next step

1. Find the cover that fits

Frequently asked questions

How much travel insurance do I need for a Schengen visa from Ghana?

At least €30,000 of medical cover, valid in all Schengen states for the whole stay, including repatriation (EU Visa Code, Article 15).

Who sells travel insurance in Ghana?

Non-life insurers licensed by the NIC, directly or through licensed brokers and agents. Check the insurer on the NIC register before you pay.

Sources

  1. Regulation (EC) No 810/2009 (EU Visa Code), Article 15 — travel medical insurance (legislation.gov.uk text)
  2. European Commission (Migration and Home Affairs) — Applying for a Schengen visa
  3. NIC — Insurance products: generic descriptions of the classes sold in Ghana
  4. NIC — Annual Report on the Insurance Industry 2024 (complaints, claims and market figures for 2024)
  5. NIC — Insurers (life and non-life): register of licensed entities, retrieved 31 October 2026

Same guide in other countries

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Regulator in Ghana: NIC

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