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Travel Insurance

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What you are covered for.

• 31 Medical conditions you already have
• 101 Sports and Activities
• Winter sports and Cruise travel insurance
• Children covered for free
• Family and Groups of 10+ discount
• Top-up for free medical cover
• Senior travel insurance (up to 81 years)
• Holiday and Business travel insurance
• Medical emergency
• Cancel your trip due to illness, injury or death
• Cancel for any reason
• Flight depart late
• Miss a connecting flight or cruise
• Theft or damage to personal belongings
• You become legally liable
• Bad weather
• An unexpected strike
• Your bags are delayed
• Accidental death or permanent disability
• Repatriation of mortal remains
• Unexpected terrorist attack

What you need to know

Please note: You must read the policy wording carefully to ensure you select the cover that is most suitable to your needs and financial situation.

Call:  +260 211 387 416  if you need more information.

Call us for authorisation

There are some things we must authorise. When you need medical treatment for costs higher than K10,000 you MUST call us for authorisation BEFORE you receive the treatment, unless you are being treated in the emergency department for a life-threatening condition.

Call: +260 211 387 416  

• Authorisation of expenses

Some activities are not covered

We know that there are lots of fun and exciting things to do overseas. We are not saying don't do them - but we are saying that we can't cover you for high-risk activities be they in the air (Parachuting, Skydiving, Hang Gliding), on the snow (off-piste skiing), or on solid rock (Mountaineering or Rock Climbing).

• List of activities we cover.

Some countries are not covered

The British and Foreign Commonwealth provides good free travel advice - check their advice on where you are going before you book your trip.

If they advise you not to travel to a country (e.g. Syria anyone?) or even to a region or part of a country, you won't be covered if you go there and anything happens to you.

Equally, you aren't covered for cancellation costs simply because you've changed your mind about where you want to travel unless you have Cancel for Any Reason cover.

Email us with where you are going, and we'll help you with what to look out for and what to avoid.

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Protect your trip with travel insurance

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Going on a business trip or flying home for the holidays? Whatever your reason may be, Allianz travel insurance gives you the peace of mind you need during your trip. Our offering is valid worldwide and fully compliant with the requirements for a Schengen visa.

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Top Travel Insurances for Ghana You Should Know in 2024

Byron Mühlberg

Monito's Managing Editor, Byron has spent several years writing extensively about financial- and migration-related topics.

Links on this page, including products and brands featured on ‘Sponsored’ content, may earn us an affiliate commission. This does not affect the opinions and recommendations of our editors.

A West African country with diverse landscapes, beaches, forests, and wildlife, Ghana offers a rich cultural heritage and modern vibrancy to visitors and expats. Although travelling to Ghana can be an accessible holiday destination for many people, and although healthcare costs in the country aren't outrageously expensive, it's still a very good idea to arrive there with travel insurance anway, as you'll want the highest-quality healthcare you can find.

Luckily, online global insurances (known as 'insurtechs') specialize in cost-savvy travel insurance to Ghana and other countries worldwide. Our list below explores the four services we believe provide the best deals for young travellers, adventurers, everyday holidaymakers looking for comprehensive but affordable coverage, and longer-term expats.

Ghana Insurance Profile

Here are a few of the many factors influencing the scope and cost of travel insurances for Ghana:

Best Travel Insurances for Ghana

• 01. Should I get travel insurance for Ghana? scroll down
• 02. Best medical coverage: VisitorsCoverage scroll down
• 03. Best trip insurance: Insured Nomads scroll down
• 04. Best mix for youth and digitial nomads: SafetyWing scroll down
• 05. FAQ about travel insurance to Ghana scroll down

Heading to Ghana soon? Don't forget to check the following list before you travel:

• 💳 Eager to dodge high FX fees? See our picks for the best travel cards in 2024.
• 🛂 Need a visa? Let iVisa take care of it for you.
• ✈ Looking for flights? Compare on Skyscanner !
• 💬 Want to learn the local language? Babbel and italki are two excellent apps to think about.
• 💻 Want a VPN? ExpressVPN is the market leader for anonymous and secure browsing.

Do I Need Travel Insurance for Ghana?

No, there's currently no legal requirement to take out travel insurance for travel to or through Ghana.

However, regardless of whether or not it's legally required, it's always a good idea to take our health insurance before you travel — whether to Ghana or anywhere else. For what's usually an affordable cost , taking out travel insurance will mitigate most or all of the risk of financial damage if you run into any unexpected troubles during your trip abroad. Take a look at the top five reasons to get travel insurance to learn more.

With that said, here are the top three travel insurances for Ghana:

VisitorsCoverage: Best Medical Coverage

Among the internet's best-known insurance platforms,  VisitorsCoverage  is a pioneering Silicon Valley insurtech company that offers comprehensive medical coverage for travellers going abroad to Ghana. It lets you choose between various plans tailored to meet the specific needs of your trip to Ghana, including coverage for medical emergencies, trip cancellations, and travel disruptions. With its easy online purchase process and 24/7 live chat support, VisitorsCoverage is a reliable and convenient option if you want good value and peace of mind while travelling abroad.

• Coverage 9.0
• Quality of Service 9.0
• Pricing 7.6
• Credibility 9.5

VisitorsCoverage offers a large variety of policies and depending on your needs and preferences, you'll need to compare and explore their full catalogue of plans for yourself. However, we've chosen a few highlights for their travel insurance for Ghana:

• Policy names: Varies
• Medical coverage: Very good. Includes coverage for doctor and hospital visits, pre-existing conditions, repatriation, mental health-related conditions, and many others.
• Trip coverage: Excellent - but only available for US residents.
• Customer support: FAQ, live chat and phone support
• Pricing range: USD 25 to USD 150 /traveller /month
• Insurance underwriter: Lloyd's, Petersen, and others
• Best for: Value for money and overall medical coverage

Insured Nomads: Best Trip Coverage

Insured Nomads is another very good travel insurance option, especially if you're adventurous or frequently on the go and are looking for solid trip insurance with some coverage for medical incidents too. With Insured Nomads, you can choose the level of protection that best suits your needs and enjoy a wide range of benefits, including 24/7 assistance, coverage for risky activities and adventure sports, and the ability to add or remove coverage as needed. In addition, Insured Nomads has a reputation for providing fast and efficient claims service, making it an excellent choice if you want peace of mind while exploring the world.

• Coverage 7.8
• Quality of Service 8.5
• Pricing 7.4
• Credibility 8.8

Insured Nomads offers three travel insurance policies depending on your needs and preferences. We go through them below:

• Policy names: World Explorer, World Explorer Multi, World Explorer Guardian
• Medical coverage: Good. Includes coverage for doctor and hospital visits, pre-existing conditions, repatriation, and many others.
• Trip coverage: Good. Includes coverage for trip cancellation and interruption, lost or stolen luggage (with limits), adventure and sports activities, and many others.
• Customer support: FAQ, live chat, phone support
• Pricing range: USD 80 to USD 420 /traveller /month
• Insurance underwriter: David Shield Insurance Company Ltd.
• Best for: Adventure seekers wanting comprehensive trip insurance

SafetyWing: Best Combination For Youth

SafetyWing is a good insurance option for younger travellers or digital nomads because it offers flexible but comprehensive coverage at a famously affordable price. With SafetyWing, you can enjoy peace of mind knowing you're covered for unexpected medical expenses, trip cancellations, lost or stolen luggage, and more. In addition, SafetyWing's user-friendly website lets you manage your policy, file a claim, and access 24/7 assistance from anywhere in the world, and, unlike VisitorsCoverage, you can even purchase a policy retroactively (e.g. during a holiday)!

• Coverage 7.0
• Quality of Service 8.0
• Pricing 6.3
• Credibility 7.3

SafetyWing offers two travel insurance policies depending on your needs and preferences, which we've highlighted below:

• Policy names: Nomad Insurance, Remote Health
• Medical coverage: Decent. Includes coverage for doctor and hospital visits, repatriation, and many others.
• Trip coverage: Decent. Includes attractive coverage for lost or stolen belongings, adventure and sports activities, transport cancellation, and many others.
• Pricing range: USD 45 to USD 160 /traveller /month
• Insurance underwriter: Tokyo Marine HCC
• Best for: Digital nomads, youth, long-term travellers

How Do They Compare?

Interested to see how VisitorsCoverage, SafetyWing, and Insured Nomads compare as travel insurances to Ghana? Take a look at the side-by-side chart below:

Data correct as of 4/1/2024

FAQ About Travel Insurance to Ghana

Travel insurance typically covers trip cancellation, trip interruption, lost or stolen luggage, travel delay, and emergency evacuation. Some travel insurance packages also cover medical-related incidents too. However, remember that the exact coverage depends on the insurance policy.

No, you'll not be required to take out travel insurance for Ghana. However, we strongly encourage you to do so anyway, because the cost of healthcare in Ghana can be high, and taking out travel insurance will mitigate some or all of the risk of covering those costs yourself if you need medical attention during your stay.

Yes, medical travel insurance is almost always worth it, and we recommend taking out travel insurance whenever visiting a foreign country. Taking out travel insurance will mitigate some or all of the risk of covering those costs yourself in case you need medical attention during your stay. In general, we recommend VisitorsCoverage to travellers worldwide because it offers excellent value for money and well-rounded travel and medical benefits in its large catalogue of plans.

Health insurance doesn't cover normal holiday expenses, such as coverage for missed flights and hotels, but in case you run into medical trouble while abroad, it may cover some or all of your doctor or hospital expenses while overseas. However, not all health insurance providers and plans offer coverage to customers while abroad, and that's why it's generally best to take out travel insurance whenever you travel.

Although there's overlap, health and travel insurance are not exactly the same. Health insurance covers some or all of the cost of medical expenses (e.g. emergency treatment, doctor's visits, etc.) while travel insurance covers non-medical costs that are commonly associated with travelling (e.g. coverage for missed flights, stolen or lost personal belongings, etc.).

The cost of travel insurance depends on several factors, such as the length of the trip, the destination, the age of the traveller, and the level of coverage desired. On average, travel insurance can cost anywhere between 3% and 10% of the total cost of the trip.

A single-trip travel insurance policy covers a specific trip, while an annual one covers multiple trips taken within a one-year period. An annual policy may be more cost-effective for frequent travellers.

Yes, you can sometimes purchase travel insurance after starting your trip, but it is best to buy it before the trip begins to ensure maximum coverage. If you do need to buy insurance after you've started your trip, we recommend VisitorsCoverage , which offers a wide catalogue of online trip and medical insurance policies, most of which can be booked with immediate effect. Check out our guide to buying travel insurance late to learn more.

Yes, you can most certainly purchase travel insurance for a trip that has already been booked, although we recommend purchasing insurance as soon as possible aftwerwards to ensure all coverage is in place before your journey begins. Check out our guide to buying travel insurance late to learn more.

See Our Other Travel Insurance Guides

Looking for Travel Insurance to Another Country?

See our recommendations for travel insurance to other countries worldwide:

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Travel Insurance

This product is designed for anyone intending to travel outside the borders of Ghana.

It provides the following benefits:

• Medical expenses arising from an illness(es), bodily injury, and or hospitalization costs up to 30,000 Euros
• Repatriation to Ghana after treatment
• Repatriation of policyholder's corpse or ashes to Ghana
• Repatriation of child(ren) of policyholder under 16years insured under the same policy
• Baggage loss/delay
• Personal Accident

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Ghana Travel Insurance

If you are planning a trip to Ghana you may highly benefit from our Ghana Travel Insurance.

 What is Travel Insurance?

Travel  insurance is  a  type  of insurance that covers the costs and  losses  associated with traveling. It is a plan you purchase that protects you from certain financial risks that can occur while traveling, such as a delayed suitcase, a trip cancellation, or a medical emergency overseas. Helps travelers deal with various contingencies that can occur during their trips.

The Significance of Travel Insurance

This insurance is significant because it offers travelers peace of mind and financial protection. It ensures that they are not burdened with exorbitant costs in case of unexpected incidents such as medical emergencies, trip cancellations, lost luggage, or other unforeseen events during their travels.

Benefits of Comprehensive Coverage

Comprehensive coverage is more than just protection; it's your ticket to peace of mind. It goes beyond addressing health risks and travel disruptions; it empowers you to immerse yourself in the Honduran experience fully.

best places to visit in ghana

Accra is the capital and largest city of Ghana, located on the southern coast of the Gulf of Guinea, which is part of the Atlantic Ocean. This capital city is full of character and radiates friendliness.

Whether you’re there as a solo traveler or with a family, on your big annual holiday, or there for business, Accra has something to offer. What tourists really love are the many beaches surrounding the city – particularly Labadi Beach. Accra is home to the National Museum where you’ll find many of the country’s historical treasures. You can also visit the National Theatre, International Trade Fair, the Kwame Nkrumah Memorial, Independence Square, and W.E.B. Dubois Centre.

Located directly east of the Korle Lagoon, Jamestown is one of the oldest districts of Accra, Ghana, and emerged as a community around the 17th century. Jamestown is sometimes referred to as a ‘tough but moving neighborhood of Accra’.

There’s a ton of history to discover as both the British and the Portuguese left behind a cultural and architectural legacy. The Jamestown community is close-knit and the atmosphere is lively. There aren’t many markers to explain the context of the history that you’re seeing, so a guide is a welcome addition, but certainly not necessary. The neighborhood is a cross between rural and urban and is famous for turning out incredible national boxers.

Continents:

The European continent is located completely in the northern hemisphere and mainly in the eastern hemisphere. Europe borders onto the Arctic Ocean in the North, the Atlantic Ocean in the west and the Mediterranean Sea in the South. There are 50 countries in Europe with a total of more than 748 million people living on the continent in 2021.

There are 49 countries in Asia according to the UN. The 10 biggest countries are listed in the right column of this page. Two of the Asian countries, Russia and Turkey, also share part of their territory on the European continent. Additionally there are two countries that only have limited international recognition: State of Palestine and Republic of China/Taiwan and some dependencies. Asia is the most populous continent with more than 4.7 billion people living there. (2022)

There are 54 countries in Africa – and 9 dependent territories. More than 1.3 billion people live on the African continent. This means about 15% of the world’s total population live in Africa! Even though Nigeria is only a third of the size of Algeria, it is the most populous country in Africa, with more than 219 million people.

NORTH AMERICA

Oceania is in a continental group consisting of 14 countries and includes Pacific islands and Australia. Often Australia is named as a continent, but this means that the many islands and countries except Australia would then be not included. Oceania in fact is mostly ocean and spans a vast area as you can see below.

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You don’t need black market insurance they don’t pay claims, we pay genuine claims.

Activa in collaboration with AXA inter partner Assistance provides you with the perfect travel insurance you require for all your international air travels. It is designed to cover clients traveling abroad who may sustain injury as a result of an accident.

The policy provides medical expenses, hospitalization fee, and repatriation of the corpse in case of death and loss of baggage.

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Professional indemnity.

Professional Indemnity policy, indemnifies the insured for any sum or sums which the assured may become legally liable to pay arising from any negligent acts, errors or omissions occurring during the period of insurance specified as a direct result of the professional conduct of their business, by the assured or any partner or any person employed by the assured. Read More

This is a Comprehensive policy that covers accidental damage, fire and burglary to the insured Items. In other words, the policy covers virtually all insurable perils except the specifically excluded ones. Read More

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Our Engineering insurance policies provides economic safeguard to the risks faced by the ongoing construction project, installation project, and machines and equipment in project operation. Read More

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Visa application, medical expenses, travel delay, trip cancellations /interruptions, baggage & personal belongings, 24/7 emergency assistance, best travel insurance plans for ghana travelers.

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*The price listed above is the service charge reference price; we have various preferred policies, and the complete cost will be provided to you when you make an order

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To my experince sure i am feel happy….

To my experince sure I am feel happy after my mistaken on wrongly given date coverage. Travelner team can soft my problem fast and great job. Thank you!

Mar 1, 2023

An easy step-by-step process

An easy step-by-step process. The traveller consultants are fast and friendly. The total cost is adequate.

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May 01, 2023

The whole process was up to my…

The whole process was up to my expectations with timing communication. I felt cared.

Mar 13, 2023

Customer service is swift and friendly.

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Apr 16, 2023

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Very responsible and helpful to your clients

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Mar 24, 2023

Daisy was very nice and efficient

Daisy was very nice and efficient. A good and quick service.

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Mar 15, 2023

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Very quick service, no complaints

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ITS BEEN GREAT

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Do you need travel insurance for Ghana?

You should purchase Ghana travel insurance . It assists travelers in dealing with various unexpected incidents that may occur during their trips, such as delayed or canceled flights, misplaced baggage, and unexpected medical expenses,...

How to get travel insurance in Ghana?

Purchasing travel insurance for Ghana is becoming easier and more convenient. With a few simple steps on the smart platforms of online travel agencies, you can get a plethora of options for a reasonable travel insurance package. Travelers can easily find, select, and purchase items on the Travelner website and mobile app.

What is the best travel insurance for Ghana trips?

There are numerous insurance packages available for tourists to choose from. We offer the most affordable travel insurance for Ghana . On the Travelner website or app, you can choose the best insurance package based on the nature of your trip. Traveller is now a partner of Trawick International, which Forbes named one of the best insurance companies for ensuring safe travel abroad.

How much does travel insurance cost in Ghana?

The cost of travel insurance to Ghana is usually lower than the costs you must pay in some unexpected events, especially in medicine. So travelers can choose affordable travel insurance packages based on the trip duration, quantity, and age of members, and included benefits.

Get the Best-Suit Travel Insurance Plan for you

Ready to embark on your next adventure with peace of mind? Explore our selection of travel insurance plans tailored to your specific journey today!

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List of the best travel insurance companies in Ghana and their respective packages

Travelling to new places is an exciting experience, but ensuring your journey is protected against unforeseen circumstances is crucial. Travel insurance companies in Ghana offer financial security during emergencies or unexpected events. They also offer travel insurance packages tailored to meet the needs of travellers.

Travel can be an exhilarating experience with exciting new adventures and lasting memories. However, it is essential to prioritize your safety and safeguard yourself from unforeseen circumstances that may arise during your trips. This is where travel insurance comes in handy. Several reputable insurance companies in Ghana offer comprehensive packages to assure traveller peace of mind .

List of travel insurance companies in Ghana

Travel cover is essential for ensuring a worry-free trip, as it covers unforeseen events. Numerous companies in Ghana offer insurance packages tailored to travellers' requirements . Here are Ghana's best travel insurance companies and an overview of their respective packages.

30+ Lucrative business ideas in Ghana for ladies to venture into

1. Allianz Ghana Insurance Company

Allianz Ghana Insurance Company is one of the international travel insurance companies in Ghana. They are a reputable provider that offers a comprehensive range of travel cover options.

Their packages include coverage for medical emergencies, lost luggage, trip cancellation or interruption, and personal liability. Moreover, they provide additional services such as 24/7 emergency assistance and travel concierge services.

2. GLICO Life Insurance Company

The GLICO Life Insurance Company is renowned for its trustworthy travel insurance options. Their plans cover medical expenses, trip cancellations, personal accidents , and lost baggage. In addition, they provide emergency assistance, travel advice, and assistance with documents.

3. Stanbic Bank Ghana

Stanbic Bank is a reputable travel insurance company in Ghana. Their packages cover expenses resulting from hospitalization, emergency dental care, medical evacuation, and, if necessary, repatriation of mortal remains.

They help with legal defence, baggage and ID document loss, compensation if your flight is delayed, and the cost of locating and transporting your things and luggage. In addition, they offer 24-hour assistance on a dedicated telephone number.

Jerome Adzah, who once dropped out of school for 2 years, helps 90 businesses get more than 20k sales

4. Enterprise Insurance Company

This company offers one of the cheapest travel insurance in Ghana. Their packages cover medical expenses arising from an illness(es) or bodily injuries, baggage loss or delay, personal accident coverage, and legal fees. They also offer emergency medical evacuation and repatriation services.

5. Hollard Insurance Ghana

Hollard is a leading travel insurance company in Ghana. Their packages include coverage for medical expenses, lost baggage, trip cancellation , personal accidents, and personal liability. They provide emergency assistance around the clock to ensure prompt support during emergencies.

6. Standard Chartered Ghana

Standard Chartered is one of the most reputable travel insurance companies in Ghana. Their travel insurance package covers a wide range of travellers' requirements, such as medical expenses, personal injury, lost baggage, trip delays, and repatriation expenses. They also provide 24/7 emergency assistance.

7. Phoenix Insurance Company

Phoenix Insurance Company is one of the most reliable travel insurance companies in Ghana. Their coverage includes medical expenses, trip cancellation or curtailment, baggage loss, personal accidents, and personal liability. In addition, they provide emergency assistance and advice on travel-related matters.

The most popular Fintech companies in Ghana and what they do

8. Vanguard Assurance Company Limited

Vanguard Assurance Company Limited is one of the travel insurance companies in Ghana that offers a variety of options to accommodate various travel needs . Their packages cover medical expenses, lost baggage, personal accidents, trip cancellation, and personal liability. They also offer emergency assistance services and ensure travellers receive prompt support.

9. Star Assurance Company Limited

Star Assurance Company Limited provides travellers with comprehensive marine insurance packages . Their coverage includes medical expenses, trip cancellations or interruptions, personal accidents, baggage loss, and personal liability. They provide emergency assistance and support during unforeseen circumstances.

However, this plan does not cover pre-existing medical conditions and trips wholly within the insured person's country of residence.

10. Travelner Company

Travelner is a reputable travel company in Ghana that offers a comprehensive range of travel packages. Their packages cover trip delays , trip interruptions, and lost baggage. They also fulfil the required documents for visa application and provide assistance when treatment is needed.

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How much does travel insurance cost in Ghana?

Travel insurance is not a one-size-fits-all product, so the cost of travel insurance for Ghana may vary based on the specifics of the trip. Travel insurance price in Ghana is typically determined by the length of a trip , number of the travelling party and their ages, and the coverage provided in the plan.

Regarding travel cover, selecting the right provider and package is essential for a worry-free journey. Travel insurance companies in Ghana offer reliable and comprehensive coverage for various needs. Investing in a suitable travel insurance package can ensure your safety, safeguard your finances, and enjoy your trips.

DISCLAIMER: This article is not sponsored by any third party. It is intended for general informational purposes only and does not address individual circumstances. It is not a substitute for professional advice or help and should not be relied on to make decisions of any kind. Any action you take upon the information presented in this article is strictly at your own risk and responsibility!

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Yen.com.gh recently published an article on domestic airlines in Ghana. These airlines are known to offer reasonable and economical fares.

Africa World Airlines (AWA), Air Ghana, and Passion Air are some of the best domestic airlines in Ghana. They offer services to destinations that would otherwise take long to travel by vehicle.

Source: YEN.com.gh

Travel Insurance in Ghana: What You Must Know

Travel insurance is a package built for people travelling outside Ghana. It covers medical expenses and other losses that can occur while you’re outside the country, whether it’s for leisure or business.

Important Things to Look Out for in a Travel Insurance Policy

How much does travel insurance cost in ghana, enterprise life insurance, hollard life insurance, why you absolutely must have travel insurance, what is typically covered by a standard travel insurance policy.

Travel insurance can vary, but policies generally provide coverage for three things: protection for your financial expenses, protection for your well-being and protection for your personal belongings.

• Trip Cancellation Coverage
• Trip Delay Coverage
• Baggage Loss
• Medical expenses and emergency-evacuation benefits

The short answer is, it depends . Several factors determine how much you pay for your travel insurance. These are primarily age range, duration of travel, and travel destination.

Insurance Benefits: Why You Need to Get Insurance in 2023

Generally however, prices typically start from around GH¢100 and upward. Below is a snapshot of travel insurance quotation from Enterprise Life insurance for someone travelling for 7 days, across the world and between the ages of 19 – 65.

Travel Insurance Providers in Ghana

Below is a list of travel insurance brokers in Ghana and some details on their policies.

• International Medical and hospitalization expenses
• Medical evacuation
• Repatriation expenses
• Compensation for luggage incidents

• It’s a requirement for entry into some countries
• It’s a buffer, like all insurance (or assurance)

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Ride Insurance in Ghana: Uber vs Bolt

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Medical travel insurance, seniors travel insurance, europe travel insurance, worldwide travel insurance, coronavirus travel insurance, ghana travel insurance.

• Unlimited medical emergency expenses¹
• Up to £10K cancellation cover
• 24/7 emergency medical helpline

Covered 27 million+ travellers

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What’s covered with travel insurance to Ghana?

As standard, our policies cover for  over 50 sports and activities , so you can get up to more on your holiday. We also offer a range of benefits, some of which include:

• Medical expenses and hospital benefit
• Personal accident and liability
• Cancelling and cutting short your holiday
• Abandoning your trip
• Delayed departure
• Accommodation cover
• Personal belongings and baggage
• Personal money, passport and travel documents
• Legal expenses

For more information about what’s covered with travel insurance for Ghana, have a read of our  policy documents here .

Make sure you have the right travel insurance in place for your trip to Ghana. Some things you should think about are:

• The cost of your trip – Of course you don’t want to cancel your trip, but if do you have to, it’s good to know you’ll able to cover your costs
• The activities you’re likely to be doing – If you’re planning anything really extreme, we can offer you extra cover with our  adventure and extreme sports policy
• The cost of your baggage
• Also, don’t forget to check the  latest travel advice for Ghana from the FCDO

Our Coronavirus Travel Insurance is rated Superior by a leading UK Consumer Champion. All of our policies will cover you if you catch Coronavirus.

Before your trip to Ghana, have a read of these handy facts, along with some other useful information that we think you’ll want to know before your trip.

Do I need a visa for Ghana?

Yes, you do need to apply for a visa to travel to Ghana. To apply for a visa you’ll need to contact the  Ghanaian High Commission.

Healthcare in Ghana

There are public and private healthcare centres in Ghana. The standards can often be quite poor and may not be able to facilitate any serious injuries, meaning medical evacuation may be necessary. It’s important to make sure that you have adequate travel insurance in place which includes cover for medical treatments and repatriation.

It’s also important to make sure you speak to your GP at least four to six weeks prior to travel, to check whether there are any vaccinations or other preventatives needed.

You can find more information about  healthcare in Ghana here .

Can you help if I need medical treatment while in Ghana?

Yes – all our policies come with access to our 24-hour emergency assistance team, so there will always be someone here to help you if you become ill or are injured while abroad.

If you need assistance just give our emergency medical team a call any time, day or night.

• Unlimited emergency medical expenses available on Black level policies.
• Based on 2,050 responses, correct as of 22/01/2024

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Travel Insurance for Ghana, Ghana Travel Insurance

Compare and buy travel insurance, what does visitor travel insurance cover, health care expenses, doctor visit, pharmacy drugs, pre-existing conditions, medical evacuation, repat of remains, travel health insurance ghana, ghana travel insurance.

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US Expatriates Insurance

Ghana Visitors Insurance

USA Visitors Insurance

Travel insurance for us citizens visiting ghana.

Ghana which means “warrior king,” is a tropical paradise in West Africa with pristine white beaches, diverse animal life, rolling mountains, magnificent landscapes, waterfalls, lush forests and a rich history and culture dating back to 10,000 BC. The incredible biodiversity is great for hiking, canoeing activities and surfing..

Ghana welcomes thousands of tourists annually. Ghana became the first African country who got independence from colonial rule in 1957.There are around 3,000 US expatriates living in Ghana. Several Americans also travel to Ghana for vacation and to meet friends and family..

US citizens need a visa to travel to Ghana. The best time to travel to Ghana is during October to March.. US citizens traveling to Ghana should not ignore the importance of having good travel insurance. It is important to include a travel insurance policy to get unexpected medical and travel emergencies covered also given the Covid19 pandemic.

Travelers can choose to include a cover to protect trip expenses like trip cancellation, trip delay, Cancel for Any reason (CFAR) benefit with refund of up to 75% of the trip cost if the trip cancels for any reason.

US travel insurance for US Citizens travelling to Ghana

Ghana is home to historic forts and castles, an immense coastline spanning 539 km with beautiful beaches, lakes, rivers, waterfalls, music and some wildlife in the virgin forests. Many US citizens travel to Ghana for a vacation each year. In the year 2019 the US travellers accounted for about 28.02 % of total international travelers who arrived in Ghana.

It is vital for US citizens to have travel insurance while traveling to Ghana for a vacation. A good US travel medical insurance cover will provide coverage for unexpected medical emergencies that may occur while staying in Ghana.

At American visitor insurance you can get some of the best temporary visitors insurance or Travel insurance for US citizens with options for Covid and pre-existing conditions coverage. Buying visitors’ medical insurance is easy at American Visitor Insurance. For more details call or email for further assistance and one of our licensed agents will help you.

Travel Insurance from Ghana to the USA

The US has everything to attract tourists from all over the world with its diverse culture, natural wonders, skyscrapers, and sandy beaches. There is a close mutual respect and shared interest between the US and Ghana. The United States is understandably among the most popular tourist destinations..

The first wave of Ghanaians began to travel to the US after the 1960 during the decolonization of Africa. There are nearly 200,000 immigrants from Ghana residing in the US. Several Ghana citizens travel to the US to meet friends, family and for vacation. The best time to visit the US is during the summer time..

Find the cheapest travel insurance for in Ghana covid19 plans

International travel has been increasing again after the complete lockdown due to the covid19 pandemic. However given the health risks and increased healthcare costs involved in light of the pandemic, it is very important to have good travel insurance which covers covid19 illness. Travelers can compare travel insurance in Ghana with Covid19 coverage by using our visitors insurance compare tool.

In the facility, we have a question clarifying if you need to compare visitors insurance for Covid19. Even within our display comparing best Ghana travel insurance for Covid19, we have a "filter" option where visitors can filter for Covid19 travel insurance coverage plans only. Based on your unique visitors insurance requirements we display all the available Covid travel insurance in Ghana from top rated US insurance providers.

US health insurance for travelers from Ghana

Travel health insurance for family, friends and tourists from ghanaian visiting the usa.

The US is one of the most desired tourist destinations all around the world. Its diverse culture, natural wonders and vibrant social life makes the country a world class tourist destination. The United States and Ghana have a long history of promoting democracy, human rights and rule of law as well as the English language.

According to the 2010 American Census there are 91,322 Ghanaian Americans living in the United States. Each year many Ghanaian citizens travel to the US to explore the fascinating country as well as visit family and relatives living in the US.

Traveling on a vacation to the US brings a lot of excitement and fun, however while on a holiday one should keep in mind the inconveniences that occur while travelling outside the home country .Change in country means travelers would face changes in weather, food and long travel hours may give a chance for unexpected risks. Travel insurance is important during the Covid19 pandemic for safe travel to the US.

International travel insurance provides the coverage for unexpected medical emergencies and you can also insure the trip costs of the traveler. American visitor insurance offers customers with some of the best US travel insurance choices. They work with US insurance providers to offer the best pricesalong with Coverage for pre-existing conditions and Covid19 travel insurance coverage .

Ghanaian travelers can compare several plans for prices and benefits and get answers to FAQ's from the 24/7 customer support available with licensed US insurance agents. Buying US visitor medical insurance is easy at American visitor insurance online and one will get instant policy documents. For more details you can call our customer service or email us and we will be glad to help you.

Ghanaian skilled workers in the US and the need for medical insurance

The United States of America is one among the most desirable countries for professionals around the globe. The US offers many economic opportunities in various fields like science, technology; innovation and research to make ones dream come true. Ghanaian’s initially in the earlier days were brought to the US as slaves via Atlantis Slave trade.

It was only during 1980s-1990s several Ghanaians migrated in search of business opportunities to the US. The number of Ghanaians who migrated for work was small but gradually they made their way to their emigration to the US. The US government is the largest bilateral development partner in Ghana and they also work together on various defense and law enforcement matters.

This made a way for the movement for many professionals to the US from Ghana. Several Ghanaians currently are working in the USA ,while living away from home in the US, it is vital that one should have good travel insurance with Covid19 coverage, especially in the present times of coronavirus pandemic.

The US healthcare is expensive and visiting an US hospital without insurance is scary, as one may land up in huge financial difficulties. A good visitor’s medical insurance cover will provide coverage for unexpected medical emergencies that you may occur during your stay in the US.

American visitor insurance offers to their customers some of the best US insurance providers who offer insurance covers with options for Covid and pre-existing conditions coverage also available with guaranteed best price. Buying US visitor medical insurance . Buying US visitor medical insurance is easy at American Visitor Insurance. For more details you can call or email us for further assistance and one of our licensed agents will help you.

History of Ghanaian immigrants to the US and the need of New Immigrant insurance

The arrival of the Ghanaian’s to the US was from Gold Coast. Several Ghanaian were brought as slaves via the Atlantic slave trade to the US. The Ghanaian ports were the main routes for European slave traders that made way for them to get tribes from all over West Africa to the US. In the 20th century, Ghanaians began to arrive in the US in large numbers after the 1960s and in 1970s, right in the middle of the civil rights movement and decolonization of Africa.

Most early immigrants from Ghana were students who came to the US for better education. There were many Ghanaians who migrated in the 1980s and 1990s looking for business opportunities. According to the 2010 Census there are 91,322 Ghanaian Americans living in the United States.

Migrating to a new country for better economic opportunities is inspiring, it is very crucial that all new immigrants to the USA need to have good health insurance on arrival, especially in the present times of the covid19 pandemic. While the US offers its immigrants with a world class health care system, it is also very expensive.

A sufficient US immigrant health insurance plan will provide coverage for medical expenses incurred in case of any injury or illness. Purchasing US visitors insurance is easy at American Visitor Insurance and Ghanaian Americans can compare several plans for prices and benefits according to their specific needs.

The 24/7 customer support service by licensed agents will provide answers to all questions by the customers with instant policy documents by Email. Feel free to give us a call or email us and one of our customer support licensed agents will be able to help you.

Student Insurance for Ghanaian Students in US

The US is the leading center for higher education and a dream destination for students from all around the world. The US offers an outstanding multicultural environment, various academic options with a promising career in the US for International students. There are many students from Ghana studying in the US.

The urge among Ghanaians students has been on the rise constantly demonstrating a strong people-to-people and educational bond between the US and Ghana. According to the Open Doors report of 2018 on international education there were 3,213 Ghanaian students enrolled at various universities and institutions across the US.

There was a 3% increase from 2017. Ghana is the third largest sender of students from Africa to the US. The most popular US states among the Ghanaian students are Ohio, New York, Massachusetts, Michigan and Texas. According to the Open Doors Report 2020, Ghanaian students were one amongst the top five of West Africa who participated in the Sub- Saharan African College fair. There were 41,697 students in 2019-20 witha 3.5% increase.

Studying in the US is a life changing experience for international students’ .With the multicultural environment and busy college schedules, students often neglect their health. Falling sick while being away from home can be very stressful.US Healthcare is very expensive and International students in the USA need good student health insurance, which will provide coverage for all unforeseen medical expenses due to injury or illness.

At American Visitor Insurance, Ghanaian students can buy best international student medical insurance with Covid19 and pre-existing conditions coverage and is cheaper than university plans with similar coverage.

American Visitor Insurance has tools to Compare several international student medical insurance plans based on prices as well as coverage benefits. Ghanaian students can buy international student insurance quickly and get policy documents by email with guaranteed best price. There is 24/7 customer support by licensed agents along with providing answers to FAQ's by students

Select the type of travel health insurance for visiting Ghana...

 travel insurance with quarantine coverage, travel insurance for quarantine coverage.

• Travel insurance for US Citizens and US Residents traveling outside USA
• Provides minimum coverage of $3,000 for potential or extended quarantine lodging expenses due to Covid19.
• Provides guaranteed travel insurance for Covid19 for medical expenses of at least USD $50,000.
• Covid-19 is covered as any other sickness
• Safe Travels Voyager plan's trip delay benefit can be upgraded.
• The base benefit is $3,000 (which is $250 per day). Traveler’s can choose $4000 ($300 per day) or $7000 ($500 per day).
• Travel insurance for American citizens and US Residents traveling outside USA
• Provides minimum coverage of $2,000 for potential or extended quarantine lodging expenses due to Covid19.
• Covid-19 is covered as any other sickness.
• Covid Quarantine Benefit: Coverage for accommodations due to a covered Trip Delay $2,000/$150 per person per day (6 hours or more) is included in the basic coverage.
• Optional Quarantine Benefit Upgrade at additional price Trip Delay Max Upgrade - including Accommodations (6 Hours or more) $4000 ($300/day) or $7000 ($500 per day)
• Travel insurance for Non US Citizens and Non US Residents traveling outside their home country
• Travel insurance for US Citizens and US Residents
• Provides minimum coverage of $1,000 for potential or extended quarantine lodging expenses due to Covid19.
• Covid19 medical expenses are covered and treated the same as any other sickness
• Offers coverage of $50,000 for emergency medical expenses
• Offers comprehensive trip cancellation coverage
• Travel medical insurance coverage outside USA
• Atlas insurance offers $50 per day for each day that travelers are quarantined abroad for a maximum of 10 days.
• Coverage must be bought for a minimum of 30 days. Proof of quarantine mandated by physician needed.
• Quarantine must be due to you testing positive for COVID-19/SARS-CoV2.

• Travel insurance for US Citizens and US Residents traveling outside US
• Trip cancellation up to $50,000
• Trip interruption up to 200% of trip cost
• $500,000 medical for sickness and injury/$1,000,000 medical transportation
• Include $2000 in travel delay benefits for quarantine/lodging.

Covid Quarantine insurance for US citizens

Despite the removal of the Covid-19 restrictions both in the US and around the globe, it is prudent for US citizens to purchase international travel insurance which will make the whole trip worry free and provide good protection for any medical or travel related expenses in case of unexpected situations.

US travelers can either buy US Covid quarantine coverage trip insurance (includes coverage for cost of the trip), or Covid quarantine travel health insurance (insures only the health of the traveler and is cheaper than trip insurance).

 Travel medical insurance to emergency medical expenses

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• Travel medical insurance for US Citizens and US Residents traveling outside USA
• Available up to 180 days
• Offers emergency sickness coverage up to $500,000
• Covid-19 covered as any other sickness
• Coverage for travelers traveling outside their home country whose destination excludes the U.S. and its territories.
• Deductible options from $0 to $2,500
• Policy Maximum from $50,000 to $2,000,000
• Renewable upto 24 continuous months
• Covers COVID-19/SARS-CoV-2 as any other Illness or Injury.
• Patriot Platinum Insurance is best suited for travelers expecting first-class medical coverage; vacationing families; individuals up to $8 million.
• Deductible options from $0 to $25,000
• Policy Maximum from $1,000,000 to $8,000,000
• USA travel medical insurance coverage outside USA for US citizens
• Available up to 365 days
• Offers maximum coverage up to $2,000,000
• Offers insurance coverage for Covid expenses
• US travel health insurance for US citizens outside USA
• Available from 5 days to 364 days
• Offers maximum coverage up to $5,000,000
• Travel Medical Choice insurance offers coverage for expenses related to COVID-19
• Short term fixed benefit cheap travel insurance USA for US citizens outside USA
• Plan maximum options available up to $130,000 for medical expenses
• Offers coverage outside the US
• Deductible options from $0 to $1,000
• Policy Maximum from $50,000 to $150,000
• Offers emergency medical evacuation coverage up to $500,000
• Offers coverage for travelling outside your home country
• It includes coverage for Covid-19 is covered as any other illness under the medical expense maximum.
• Testing for Covid-19 will only be covered if deemed medically necessary by a physician. The antibody test and prescreening test are not covered, as they are not medically necessary. Maximum age for plan eligibility is 64.

 Expatriate heath insurance for living outside home country

Best expat insurance, best expatriate insurance, expat insurance plans.

• Ideal for US expatriates and for those global citizens living and working outside their home country.
• Xplorer Premier Insurance provides unlimited annual and lifetime medical maximum.
• It covers pre-existing conditions with creditable coverage

 Trip cancellation insurance for trip investment expenses

Best trip cancellation insurance, best trip protection insurance, best trip cancellation insurance.

• Trip Cancellation: Up to 100% of insured trip cost
• US Residents on domestic and worldwide trips
• Travel SE Covid Quarantine Benefit : Travel SE plan offers Coverage for accommodations due to a covered Trip Delay $2,000/$125 per person per day is included in the basic coverage.
• Travel LX Covid Quarantine Benefit : Travel LX plan offers Coverage for accommodations due to a covered Trip Delay $2,500/$250 per person per day is included in the basic coverage.
• Inexpensive coverage for trip cancellation & interruption
• Travel Lite Covid Quarantine Benefit : Travel Lite plan offers Coverage for accommodations due to a covered Trip Delay $500/$125 per person per day is included in the basic coverage.
• Trip Cancellation: Up to 100% of Trip Cost Insured
• Up to 100% of Trip Cost Insured
• It covers Trip Cancellation coverage from $150 to $10,000.
• Trip Cancellation: Trip Cost: Up to a Maximum of $30,000.
• Maximum Trip Length 90 Days
• Offered by Trawick International and is highly rated.
• You can add a "Cancel for Any Reason" waiver onto the plan.
• It can cover trips up to 90 days long.
• Cancellation of policy must be purchased within 10 days of the initial trip deposit date.
• Trip Cancellation: Basic - $15,000 Max
• Trip Cancellation: Plus - $100,000 Max
• Trip Cancellation: Elite - $100,000 Max
• Trip Cancellation: 100% of trip cost up to $30,000
• Provides coverage for U.S. residents travelling outside their home country
• Trip Cancellation: 100% of trip cost up to $100,000

 Trip cancellation insurance for Cancel for any reason

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• Cancel For Any Reason: 75% of non-refundable trip cost
• Trip Cancellation: Tour cost to a maximum of $100,000
• Cancel for Any Reason: Up to 75% of trip cost insured
• Trip Cancellation: Up to 100% of Trip Cost
• Cancel for Any Reason: 75% of non-refundable trip cost
• Trip Cancellation: Up to a Maximum of $50,000. ($30,000 for travellers above 80 years)
• Cancellation for Any Reason: 75% of the Insured Trip Cost within 21 days of trip deposit - some restrictions apply. Not available in NY or WA.

 US seniors traveler insurance, Medicare supplement international travel insurance

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• The GlobeHopper Senior plan is available either as the GlobeHopper Single-Trip plan for single trips with coverage from 5 days to 365 days
• The GlobeHopper Multi-trip plan which covers a period of 12 months with a maximum of 30 days for each overseas trip
• It is an affordable international travel health insurance for US citizens.
• It offers coverage for medical and evacuation expenses for short trips.
• It is available up to 12 months
• It is an renewable long term international travel health insurance for US citizens.
• It offers coverage for medical and evacuation expenses.
• It is available up to 12 months.

 Annual travel insurance, Yearly travel insurance

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• Patriot Multi Trip is designed by IMG to cover travelers taking multiple trips in a year.
• Covers non US Citizens travelling multiple times annually outside their home country
• Trekker Essential Insurance offers maximum coverage of $50,000 for sickness and accidents.
• Available for both US and Non US citizens up to 75 years
• Maximum trip length is 30 or 45 days per trip
• Available for US residents only up to age 81 years
• Maximum trip length is 30 days per trip
• Voyager Annual (offered by USI Travel Insure) covers US citizens in and out of the US at least 100 miles away from home.
• It does not cover trip cancellation but can be used for 90 days at a time within a year and is great for frequent travelers.
• Take an unlimited number of Covered Trips during the 364 day Policy period
• Covers domestic and international trips - up to 90 days each
• Offers two plan levels namely Silver and Gold offer options for different needs and budgets
• Provides coverage for Emergency Accident and Sickness, Emergency Medical Evacuation, Baggage & Personal Effects, Baggage Delay, and Accidental Death and Dismemberment.
• The Gold plan includes additional benefits like Trip Interruption and Political Natural Disaster Evacuation

Review and compare the best Annual insurance.

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Ghana travel insurance - Frequently asked questions

01.  does ghana travel insurance cover covid19 illness.

There are some USA Covid travel insurance plans available for travel to Ghana that cover Covid19 as a new illness. International travelers can compare best Covid travel insurance plans and buy it online.

These US covid travel insurance plans are available for visitors from Ghana to the US, US citizens and US residents traveling abroad as well as non US travelers traveling outside their home country.

02.  What is the cheapest travel health insurance to Ghana?

The cheapest travel insurance in Ghana will be a fixed benefits plan visitor insurance plan. However the cheapest travel insurance for Ghanaians might not be suitable or appropriate to your situation. It is important to compare cheap travel insurance for Ghana based on your needs. Ghana travel insurance can be categorized either as fixed benefits or comprehensive travel insurance.

While Fixed benefits are cheaper, comprehensive travel insurance provide better more flexible coverage. International travelers should compare cheap travel insurance for Ghana before buying it.

03.  Is it too late to buy travel insurance for Ghana?

It's never too late to buy travel insurance for Ghana. The only time it is too late is if a person is already sick or injured. As long as everyone is healthy, you can purchase a Ghana travel insurance to have coverage for future accident or illness. Compare and buy best travel insurance for Ghanaians.

04.  How much is cost of travel insurance in Ghana?

The cost of travel insurance in Ghana varies depending on the age of the traveler and the duration of coverage required. The older the traveler the higher is the cost. The longer the duration of Ghana travel insurance required, the greater will be the cost.

Our Ghana travel insurance quote comparison facility lists the travel insurance that satisfy your requirements comparing them based on price and benefit. Compare travel insurance Ghana and get free quotes online.

  Ghana - General information

Ghana, officially known as the Republic of Ghana, is located in West Africa. It shares borders with Ivory Coast to the west, Burkina Faso to the north, Togo to the east, and the Gulf of Guinea to the south. The capital city is Accra is the largest city in the country. Ghana has a population of approximately 31 million people, with a diverse mix of ethnic groups, the largest being the Akan. English is the official language, but many Ghanaians also speak one or more local languages such as Twi, Ewe, and Ga. The majority of the population is Christian, with significant Muslim and traditional religious minorities. The economy of Ghana is diverse, with agriculture, mining, and services sectors being the main contributors to the country's GDP. Ghana is the world's largest cocoa producer and also produces gold, oil, and other minerals. The country has made significant progress in recent years in reducing poverty and increasing access to education and healthcare.

West Africa

Ghanaian Cedi

October to March

Around 31 million

Accra, Kumasi, Cape Coast, Elmina, Mole National Park, Tamale, Akosombo, Tema, Ada Foah, Aburi, Hohoe, Nzulezo, Kokrobite.

Popular tourist destinations in Ghana

Jamestown is a tough but moving neighbourhood of Accra. There's a ton of history to discover as both the British and the Portuguese left behind a cultural and architectural legacy.

Cape Coast is a former European colonial capital and one of the most culturally significant spots in all of Africa. Today Cape Coast is primarily a fishing town with an artsy vibe.

It's a magnet for the backpacker and volunteer crowds who love to come to unwind on the beach for a few days at a time.

Lake Bosumtwe

This crater lake is almost 90 metres deep and created when a large meteorite collided with Earth. The lake is surrounded by fantastic trails for hiking, biking, and horseback riding.

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Confused whether to buy trip, travel or global health insurance? Understand the differences!

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Select the best health insurance for visitors to usa..., covid travel health insurance for usa, coronavirus health insurance for foreigners in usa.

Most countries have opened their borders now for international tourism. Unfortunately, even years after the pandemic started in China, Covid is again making a comeback with new immune-evasive variants.

The Covid situation is made even more complicated with influenza and the respiratory syncytial virus (RSV) which is also spreading across the globe. Though there is a risk with the new variants, authorities have relaxed their strict controls thanks to improved vaccination coverage.

However, while Covid appears to be less virulent and no longer as dangerous thanks to a large percentage of the population having vaccinations and booster shots, Covid

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Trawick International offers visitor medical insurance for coronavirus with their Safe Travels USA Insurance . The Safe Travels USA Comprehensive plan is ideal for travelers with pre-existing medical conditions even for travelers older than 70 years. You can compare Safe Travels USA Covid19 travel insurance plans and buy it online to get coverage as early as the following day. After buying the Trawick travel insurance, travelers can download a visa letter which indicates that Safe travels USA visitors insurance covers covid19 illness.

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Seven Corners visitors medical insurance

International medical group (img) coronavirus insurance.

International Medical Group (IMG) travel insurance offers coronavirus insurance for USA. IMG's Patriot America Plus , Patriot Platinum insurance , Visitors Protect insurance and Visitors Care insurance plans cover COVID-19 like any other illness. The Patriot America Plus Insurance and Patriot America Platinum insurance include COVID coverage up to the policy maximum.

• Patriot America Plus insurance
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• Visitors Protect insurance
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• Visitors Care insurance
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• Patriot America Platinum insurance
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INF travel insurance

INF travel insurance offers coverage for coronavirus as any other new sickness. It is available for Non-US citizens or residents travelling to the US. INF Premier and INF Elite plans covers pre-existing complications from COVID-19.

• INF Premier insurance
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• INF Elite insurance
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• INF Elite 90 insurance
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• INF Elite Plus insurance
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• INF Traveler USA 90 insurance
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• INF Standard insurance
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• INF Traveler USA insurance
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Global Underwriters US visitor insurance

Diplomat America visitors insurance by Global Underwriters offers coverage for covid-19 as a new sickness. It is available for Non-US citizens or residents travelling to the US. Diplomat Long term Covid19 medical insurance must be bought for a minimum of 3 months and has a plan maximum options of $500,000 and $1,000,000 for medical expenses. You can compare Diplomat insurance for visitors to USA.

• Diplomat America
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• Diplomat LongTerm
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WorldTrips insurance

Atlas travel insurance coverage will cover eligible medical expenses resulting from COVID-19/SARS-CoV-2.

• Atlas America
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• Atlas Premium
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• Atlas Essential
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• Atlas Multitrip
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Travel Insurance Services travel insurance

• If you are traveling to the US : Visit USA coronavirus insurance offers coverage for COVID-19 as a covered medical expense.
• Compare and Buy Visit USA insurance

Best health insurance for visitors to USA, Best travel insurance for USA

• Patriot America Plus Covid insurance offers coverage for coronavirus illness.
• Covers acute onset of pre-existing conditions till maximum limit (up to 70 years).
• Available for US citizens visiting USA
• Visitors Protect Covid insurance offers coverage for coronavirus illness.
• This plan covers pre existing conditions for age 69 and below up to $25,000 and for ages 70 and above it covers up to $20,000 with deductible up to $1,500.
• Atlas America Covid insurance offers coverage for coronavirus illness.
• Covers acute onset of pre-existing conditions till maximum limit (up to 79 years).
• Diplomat America Covid insurance offers coverage for coronavirus sickness
• Covers acute onset of pre-existing conditions up to policy maximum for age up to 69 years.
• It offers coverage for visitors up to 89 years.
• Covers Covid insurance offers coverage for coronavirus sickness
• Covers treatment of acute onset of pre-existing conditions (up to 79 years)
• INF Elite Covid19 insurance offers coverage for coronavirus.
• Treats Coronavirus/covid19 as a new sickness & covered by the plan
• Best comprehensive plan that covers all pre-existing conditions up to 99 years.
• Comprehensive plan with full pre existing condition coverage which is unique.
• Covers 90% of eligible medical expenses.
• There is a minimum purchase of 90 days required to buy this plan
• Covers Preventive & maintenance care and coverage for full body physicals.
• Coverage for TDAP, Flu, etc Vaccines
• INF Traveler USA 90 covers 90% of elgibile medical expenses
• Minimum purchase of 30 days is required for this plan.
• This is a comprehensive plan too but does not cover pre existing condition
• INF Traveler USA Covid insurance offers coverage for coronavirus illness.
• This plan is available for Non-US Citizens. Anyone visiting USA, Canada and Mexico can enroll in this plan.
• Optional pre-existing conditions rider offers coverage for Stroke or Myocardial Infarction (heart attack) for travelers of any age.
• Plan can be renewed up to 2 year.
• Offers coverage for acute onset of pre-existing conditions up to 79 years.
• Renewable up to 364 days
• It offers coverage for acute onset of pre-existing conditions up to 70 years.
• Plan can be renewed up to 364 days.
• Safe Travels Elite Covid insurance covers coronavirus illness.
• Covers acute onset of pre-existing conditions up to 89 years.
• This plan is not available to any individual who has been residing within the United States for more than 365 days prior to their Effective Date
• INF Premier Covid insurance covers coronavirus illness.
• Covers all pre-existing conditions, this means doctors, appointments, blood tests & labs, specialist care, urgent care visits, & hospital stays are all covered for pre-existing conditions.
• INF Standard Covid insurance covers Coronavirus illness.
• This is a fixed plan and is available for both US and Non US citizens visiting the US.

Best travel insurance for pre-existing conditions, Best Visitors insurance with pre-existing conditions coverage

• Covers acute onset of pre-existing conditions up to chosen maximum limit (aged up to 70 years).
• The plan is available for individuals traveling outside their country of residence and traveling to the US, Mexico, or Canada.
• Covers acute onset of pre-existing conditions up to chosen maximum limit (aged up to 79 years).
• Covers Acute Onset of a Pre-Existing Condition: Up to 69 years the limit is up to the Medical Maximum purchased per Period of Coverage. For any coverage related to cardiac disease, coverage is limited to $25,000 up to age 69 years, with a $25,000 Maximum Lifetime Limit for Emergency Medical Evacuation. Any repeat recurrence within the same policy period will no longer be considered Acute Onset of a Pre-Existing Condition and will not be eligible for additional coverage.
• Covers Up to $1,000 for sudden, unexpected recurrence of a Pre-existing Condition
• Safe travel USA Covid insurance offers coverage for coronavirus.
• Covers unexpected recurrence of a pre-existing medical conditions up to $1000
• Eligible for foreign residents visiting USA and worldwide
• Travel Medical Choice Covid insurance offers coverage for coronavirus sickness
• Covers expenses for treatment of acute onset of pre-existing conditions
• Acute onset of pre-exisitng conditions are available for Worldwide including US - $50,000 up to 65 years; $5,000 for 65 to 79 years and Worldwide excluding US - $50,000 up to 65 years; $10,000 for 65 to 79 years.
• The policy maximum for this comprehensive insurance starts from $50,000 and provides up to $5,000,000. For people above age 80 years, they get a policy maximum of $10,000
• Acute onset of pre-exisitng conditions are available for Worldwide including US - $5,000 up to 65 years; $2,500 for 65 to 79 years and Worldwide excluding US - $25,000 up to 65 years; $5,000 for 65 to 79 years.
• This is a comprehensive plan with excellent coverage.
• Elite plan with policy maximum $150,000 covers pre-existing condition coverage up to $25,000 maximum with deductible $1,500 for age 0 to 69 years.
• Policy maximum $75,000 covers pre-existing condition coverage up to $20,000 maximum with deductible $1,500 for age 70 to 99 years.
• This plan need to be purchased for a minimum of 3 months.
• This is a comprehensive plan with full pre existing condition coverage which is unique.
• Pre-existing complications from covid-19 covered
• Elite 90 plan with policy maximum $150,000 covers pre-existing condition coverage up to $25,000 maximum with deductible $1,500 for age 0 to 69 years $1,500 for age 0 to 69 years.
• Covers accident & sickness while traveling to USA, Canada, and Mexico and covers 90% of eligible medical expenses
• Elite Plus plan with policy maximum $150,000 covers pre-existing condition coverage up to $25,000 maximum with deductible $1,500 for age 0 to 69 years $1,500 for age 0 to 69 years.
• Policy maximum $75,000 covers pre-existing condition coverage up to $20,000 maximum with deductible $1,500 for age 70 to 99 years. Coverage for TDAP, Flu, etc Vaccines.
• Visit USA Insurance is an excellent medical insurance for tourists and holiday travelers, parents of students studying in the United States, new immigrants and visiting scholars in the USA.
• Visit USA offers 3 plans to satify your requirements and budget.

Senior Citizen travel insurance for above 60 years

• The best travel health insurance for 60 year old travelling to the US is Atlas America .
• With the best travel insurance plans for people under 70 years, you get covered up to policy maximum for acute onset of pre-existing conditions for people up to age 79.
• Atlas Premium is another version of this plan with higher coverage available for some of the benefits as compared to Atlas America.
• You can compare Atlas Travel insurance plans .
• Travel Medical Basic offers coverage up to $5,000 for acute onset of pre-existing condition in including USA and $25,000 for exclusing USA till 65 years.
• Travel Medical Choice Travelers must be at least 14 days old and under 75 years to be covered by this plan.
• You may buy coverage for yourself, your legal spouse, domestic partner, or civil partner, your unmarried children under the age of 19, and your traveling companions.
• The Inbound plans ( Travel Medical USA Visitor Basic , Travel Medical USA Visitor Choice ) cover acute onset of pre-existing conditions for people up to age 79 years.
• Patriot America Plus Plan offer coverage upto choosen plan maximum for travelers under 70 years. This is a comprehensive plan from IMG and is is similar to the Patriot America with the unique difference in the benefit that covers acute onset of pre existing conditions up to the age of 70
• Visitors Protect plan offer maximum limits from $50,000 to $250,000.
• Covers medical evacuation, emergency reunion, repatriation of remains, Accidental Death & Dismemberment, etc.
• Patriot Platinum Plan covers acute onset of pre existing condition up to the age of 70 for up to $1,000,000. $25,000 maximum limit for medical evacuation.
• This is a comprehensive plan and is the plan with excellent coverage.
• This plan covers all pre existing conditions including blood tess, doctor appointments, specialist care...for US and NON US citizens coming to the US, which is unheard of, when it comes to visitor insurance plans.
• This plan provides a maximum of $25,000 for pre existing conditions up to age 69 subjected to a deductible of $1,500.
• Pre-Existing complications from Covid-19 covered.
• This is a comprehensive plan with full pre existing condition coverage which is unique. This includes doctor appointments, blood tests and lab, specialist care, urgent care visits and hospital stays are covered for pre existing condition
• Covid-19 medically necessary testing & treatment covered 100% as any other new sickness with no cost sharing.
• Covers 90% of elgibile medical expenses
• This plan covers eligible accident & sickness (excluding pre-existing conditions) while traveling to USA, Canada, and Mexico
• Minimum purchase of 30 days is required for this plan
• This is a comprehensive plan too but does not cover pre existing condition.
• This is another comprehensive plan from INF.
• This plan differs from the other INF comprehensive plans where it does not cover pre existing conditions.

Older traveler medical insurance for above 70 years

• Safe Travels USA Comprehensive is a very popular option for coverage of acute onset of pre-existing condition for people above 70.
• Seniors travel insurance plan provides a coverage of $25,000 for acute onset of pre- existing condition and for heart related diseases a maximum of $15,000 upon attaining age 70.
• For the age of 65 and above this plan however provides a policy maximum of $50,000 only.
• Atlas America plans from WorldTrips have upgraded their benefits for acute onset of pre-existing conditions up to age 80.
• There is also a higher policy maximum option available for people above 70 up to the age of 79.
• Atlas Premium plans from WorldTrips have upgraded their benefits for acute onset of pre-existing conditions up to age 80.
• The highest maximum that can be purchased for a comprehensive plan is Patriot Platinum which offers pre-existing condition coverage up to $2,500 for any condition.
• In the $50,000 range there are many fixed benefit and comprehensive plan options available
• Travelers must be at least 14 days old and under 99 years to be covered by this plan.
• Offers coverage from 90 days to 12 months.
• This plan covers pre existing conditions for ages 70 and above it covers up to $20,000 with deductible up to $1,500.
• Visitors Care which offer limited coverage of $2,500. Visitors care insurance offers coverage for acute onset of pre-existing conditions with sublimits up to chosen plan maximum.
• INF Elite plan This plan provides a maximum of $20,000 for people over 70 up to the age of 99 for coverage of pre existing conditions.
• This plan is definitely the most suitable for people with pre existing condition as it is the full pre existing coverage plan.
• INF Elite 90 plan This plan provides a maximum of $20,000 for people over 70 up to the age of 99 for coverage of pre existing conditions.
• Pre-existing complications from covid-19 covered.
• Coverage for TDAP, Flu, etc Vaccines.
• INF Elite Plus plan This plan provides a maximum of $20,000 for people over 70 up to the age of 99 for coverage of pre existing conditions.
• INF Traveler USA 90 This plan provides a policy maximum of $75,000 for people over 70 up to the age of 99.
• This plan does not cover pre existing conditions including acute onset of pre existing conditions.
• Covers 90% of elgibile medical expenses and minimum purchase of 30 days is required for this plan.
• INF Traveler USA plan This plan provides a policy maximum of $75,000 for people over 70 up to the age of 99.

Senior Citizen travel insurance for above 80 years

• Travel Medical USA Visitor Basic insurance and Travel Medical USA Visitor Choice insurance with a higher deductible and up to $100,000 maximum.
• Inbound Choice Insurance is meant for immigrants to the US with or without green cards renewable up to 3 years, it is also available for any legal visitors to our lovely country.
• Senior Travelers above 90 years are also eligible to buy the Travel Medical USA Visitor Basic and Travel Medical USA Visitor Choice insurance.
• The Safe Travels USA Comprehensive is also very useful for this age group as it provides a policy maximum of $50,000 and provides coverage for acute onset of pre-existing conditions for $25,000 and $15,000 for heart related pre-existing condition.
• Non-US citizens and Non-US residents traveling outside their home country but not to the United States. This includes emergency medical evacuation, repatriation and security evacuation benefits.
• It is ideal for foreign residents visiting USA and then other countries worldwide. Travelers on transit visa in US can also purchase this plan.
• This Policy provides coverage to non-US citizens who reside outside the USA and are traveling outside of their Home Country to visit solely the United States, or to visit a combination of the United States and other countries worldwide.
• This Policy is not available to green card holders in the USA. This Policy is not available to anyone age 90 or above.
• Available for individuals traveling outside their country of residence and traveling to the US, Mexico, or Canada.
• It is available for travelers of ages 14 days to 99 years.
• This plan is available for people traveling to the USA and are not US Citizens, US Residents or Greencard Holders.
• It is available for travelers of ages 70 to 89 years
• INF Traveler USA plan plan provides a policy maximum of $75,000 for people over 70 up to the age of 99.
• This fixed plan from INF provides full pre existing condition coverage which includes doctor appointments, blood tests, specialty care, urgent care visits and hospital stays.
• For age 70 to 99 years for policy maximum $100,000 covers pre-existing condition maximum of $15,000/$25,000 with deductible $1,000/$5,000.

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New US Immigrant health insurance

The Trump administration had introduced rules making it mandatory for prospective new US immigrants to show proof of adequate US health insurance while applying for the immigrant visa. The aim of this mandatory US health insurance for immigrants is to reduce the burden on the US hospitals, the overall US health care system and finally on US tax payers by uninsured new immigrants.

At American Visitor insurance we offer immigrant health insurance plans which work well for prospective new US immigrants. After buying this immigrant medical insurance, customers will immediately receive the health insurance policy document by email. Customers can use this immigrant insurance document as proof of US health insurance while applying for the Immigrant visa. Given this rule as well as the very high cost of healthcare in the US, it is strongly recommended to buy medical insurance for new US immigrants.

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US Health insurance mandatory for new US immigrants

The US government has made it compulsory for new immigrants coming to the US to have proper US immigrant health insurance coverage.

Ghana residents visiting Schengen countries

Travel Insurance is mandatory while applying for the Schengen visa which allows you to travel to 27 countries in Europe. The Schengen state consulates have guidelines for the insurance which satisfy visa requirements.

Coverage for emergency cases, hospital stays, evacuation is a minimum requirement that can put your mind at ease when you are in a foreign country with many unknown factors related to medical affairs of that country. We have several plans for people all over the world visiting European countries which satisfy Schengen visa requirements. Nationalities who require Schengen visa.

Schengen visa insurance requirements

• Travel insurance coverage of 30,000 Euros (about $50,000 USD)
• A repatriation benefit.
• An emergency medical evacuation benefit.

Travel insurance for Ghana residents visiting USA or traveling overseas

Travel medical insurance.

Offers coverage of sudden & unexpected illness while traveling away from your home country.

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Find insurance plans providing comprehensive coverage for pre-existing conditions/ailments.

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A fall/illness could become more serious for the older traveler. Be sure you have good coverage..

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You can find reliable US insurance providers like International Medical Group(IMG), Seven Corners, WorldTrips, Global Underwriters, Travel Insure, GeoBlue, HTH Worldwide and INF insurance.

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•  Call: (877)-340-7910

A Member of the Star Assurance Group

Marine Insurance

The signed proposal and declaration to star assurance forms part and the basis of this travel policy., the insurance policy covers:.

Medical expense or repatriation up to a maximum limit of Thirty Thousand Euros (€30,000)

Accidental bodily injury or death following a forced landing of the aircraft.

Sub limits:

Accidental death and permanent disablement Maximum Limit – € 8,200

Medical, Emergency Service & Repatriation Maximum Limit – €30,000

Hospitalization €82 per day up to Maximum – €820

Hijack Benefit €82 per day up to a Maximum of – €820

Personal baggage €64 per person. Maximum for any single item € 41

We don’t cover:

Pre-existing medical conditions

Trips wholly within the Insured person’s country of residence.

Claims Procedure

Obtain Property Irregularity Report if your luggage is lost or damaged by an airline. Call Cega Air Ambulance for all emergency health care assistance. Any loss of money or personal effects must be reported to the police within 24hours and a written report obtained.

Star Assurance Travel Insurance  is   affiliated to Cega Air Ambulance Limited, Goodwood Airfield Chichester, West Sussex  PO18  0PH United Kingdom.   TELEPHONE  +44 (0) 1243 621153.

Star Assurance Company Limited (“Star Assurance”) is a privately owned Insurance Company incorporated in August 1984 and licensed to carry out corporate and retail insurance businesses in Ghana. It commenced business in April 1985.

1st Floor Stanbic Heights 215 South Liberation Link Airport City Accra

P. O. Box 7532 Accra-North

Email: [email protected]

+233 (0) 302 245906 +233 (0) 302 245908

Fax: +233 (0) 372 026 563

Copyright © 2003 - 2022 Star Assurance Co Ltd - SAC

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Quick Quote

Step 1 of 4, travel agent, latest travel warnings.

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Authorisation of expenses (whilst on your trip):

• You must call +27 11 991 8610 immediately (same day) when you receive a positive test
• We must be allowed to book accommodation in a quarantine approved facility
• You must consult with a medical doctor to confirm if you have any symptoms and whether treatment is required (before you are placed in quarantine)
• You, Your travel companion or someone designated by You must phone +27 11 991 8610 immediately when Your condition has been stabilised in the emergency department.
• Our liability will be limited to R10,000 if You don't call us for authorisation to be admitted as an inpatient.

Our contact details:

• Authorisation of expenses whilst on your trip: +27 11 991 8610
• General enquiries (policy related): Please email [email protected] or call +27 11 351 4531
• Claims enquiries (other than when you require authorisation for treatment): [email protected]

Submit a claim (before or after your trip): Please click “Submit a claim” and follow the steps.

Update April 12, 2024

Information for u.s. citizens in the middle east.

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Travel Advisory November 20, 2023

Ghana - level 2: exercise increased caution.

Updated to reflect threats against LGBTQI+ travelers.

Exercise increased caution in Ghana due to crime and violence against members of the LGBTQI+ community . Some areas have increased risk. Read the entire Travel Advisory.

Exercise increased caution in:

• Parts of the Bono East, Bono, Savannah, Northern, North East, and Upper East regions due to civil unrest.

Country summary:  Violent crimes, such as carjacking and street mugging, do occur. These crimes often happen at night and in isolated locations. Exercise increased caution specifically due to crime:

• In urban areas and crowded markets
• When traveling by private or public transportation after dark as criminal elements may use blockades to slow down and restrict movement of vehicles
• In areas near the northern border in the Upper East and Upper West regions

The U.S. government has limited ability to provide emergency services to U.S. citizens. Local police may lack the resources to respond effectively to more serious crimes.

LGBTQI+ Travelers: Ghanaian law contains prohibitions on “unlawful carnal knowledge” – generally interpreted as any kind of sexual intimacy – between persons of the same sex. Punishments can include fines and/or incarceration. Anti-LGBTQI+ rhetoric and violence have increased in recent years. Members of the LGBTQI+ community have reported safety incidents that include targeted assault, rape, mob attacks, and harassment due to their identity.

Read the country information page for additional information on travel to Ghana.

If you decide to travel to Ghana:

• See our LGBTQI+ Travel Information page and section 6 of our Human Rights Report for further details.
• Enroll in the Smart Traveler Enrollment Program ( STEP ) to receive alerts and make it easier to locate you in an emergency.
• Follow the Department of State on Facebook and Twitter .
• Review the Country Security Report for Ghana.
• Prepare a contingency plan for emergency situations. Review the Traveler’s Checklist .
• Visit the CDC page for the latest Travel Health Information related to your travel.

Areas Near the Northern Border in the Upper East and Upper West Regions – Level 2: Exercise Increased Caution

U.S. citizens traveling in Ghana should exercise caution while visiting border areas, in particular the northern border, and be sure to read Security Alerts affecting those areas. Due to security concerns over criminal activity in remote areas, travel of U.S. government personnel to the northern and northwestern border is currently limited.

Visit our website for Travel to High-Risk Areas .

Embassy Messages

View Alerts and Messages Archive

Quick Facts

6 months validity

One page for stamp

• Yellow Fever

Maximum of $10,000 USD

Embassies and Consulates

U.s. embassy accra.

No. 24 Fourth Circular Road, Cantonments, Accra Ghana Telephone:  +233-(0)30-274-1000 Emergency After-Hours Telephone:  +233-(0)30-274-1000 Email:   [email protected]

Destination Description

Learn about the U.S. relationship to countries around the world.

Entry, Exit and Visa Requirements

Visit the  Embassy of Ghana  website for the most current visa information.

Proof of Yellow Fever vaccination is required upon arrival in Ghana for anyone over nine months of age.

Foreign nationals who are over six years old and who have been physically present in Ghana for a cumulative period of 90 days or more during a calendar year are required to register with the National Identification Authority (NIA). The NIA will issue registered foreign nationals a non-citizen Ghana card. The non-citizen Ghana card will be necessary for all transactions that require identification, i.e. opening bank accounts, obtaining work permits, acquiring driver’s licenses, etc.

A list of permanent registration centers, fee requirements, and answers to frequently asked questions can be found on the  NIA website .

The U.S. Department of State is unaware of any HIV/AIDS entry restrictions for visitors to or foreign residents of Ghana.

Find information on  dual nationality ,  prevention of international child abduction,  and  customs regulations  on our websites.

Safety and Security

West Africa faces an increased threat from transnational terrorist groups. Terrorists have targeted Westerners in Côte d’Ivoire, Burkina Faso, Niger, Benin, and Mali.

For more information, see our  Terrorism  page.

Crime:   Violent crimes, such as armed robbery and kidnapping, occasionally occur. Robberies on highways are of particular concern, especially at night. Armed robbers also sometimes target vehicles coming from Kotoka International Airport. If your car is hit by another car while you are driving, go directly to the nearest police station to report the incident. Reports of residential robberies continue to be on the rise.

Street crime remains a serious problem in Accra and other large cities. Thieves carry out crimes of opportunity, such as “snatch & grabs,” on city streets in isolated areas as well as from vehicles idling in traffic. Pickpockets are also prevalent in crowded areas.

Luggage and travel document theft occurs at Kotoka International Airport in Accra and in hotels across Ghana. Keep your documents secure at all times, and don’t leave your baggage unattended. Be wary of all offers of unsolicited assistance at the airport from anyone other than uniformed porters or officials.

Credit card fraud is common. Exercise caution when using credit and ATM cards in Ghana. It is very common for scammers to tamper with credit card terminals. Skimming is the primary means of credit card fraud, and is undetectable until fraudulent charges appear on statements. If you choose to use a credit card anywhere in Ghana, monitor your credit card activity closely.

There are a number of ongoing chieftaincy disputes in Ghana that generally involve competition over limited resources. Several of these disputes have erupted into violence and unrest during recent years. Exercise caution in rural areas and remain alert to outbreaks of unrest. Please see the Travel & Transportation section for more information.  

Refer to the  Ghana Travel Advisory  and the  U.S. Embassy Accra website  for the most updated safety and security information.  

For further information about crime trends in Ghana, the Ghana Police Service Criminal Investigations Department issues advisories on the  Ghana Police Service site .

Demonstrations  occur frequently. They may take place in response to political or economic issues, on politically significant holidays, and during international events. 

• Even demonstrations intended to be peaceful can turn confrontational and possibly become violent. 
• Avoid areas around protests and demonstrations. 
• Check local media for updates and traffic advisories. 

International Financial Scams:  See the  Department of State  and the  FBI  pages for information.

Internet romance and financial scams are prevalent in Ghana. Scams are often initiated through Internet postings/profiles or by unsolicited emails and letters. Scammers almost always pose as U.S. citizens who have no one else to turn to for help. Common scams include:  

• Romance/online dating 
• Money transfers
• Lucrative sales
• Gold purchase
• Contracts with promises of large commissions
• Grandparent/relative targeting 
• Free trip/luggage 
• Inheritance notices
• Work permits/job offers
• Bank overpayments

Victims of Crime:  U.S. citizen victims of sexual assault are encouraged to contact the U.S. Embassy for assistance. Report crimes to the local police at +233 (0)30-277-3906 and contact the U.S. Embassy at +233-(0)30-274-1000 ext. 1570. Remember that local authorities are responsible for investigating and prosecuting crime.

See our webpage on  help for U.S. victims of crime overseas .

• Help you find appropriate medical care.
• Assist you in reporting a crime to the police.
• Contact relatives or friends with your written consent.
• Explain the local criminal justice process in general terms.
• Provide a list of local attorneys.
• Provide our information on  victim’s compensation programs in the United States.
• Provide an emergency loan for repatriation to the United States and/or limited medical support in cases of destitution.
• Help you find accommodation and arrange flights home.
• Replace a stolen or lost passport.

Domestic Violence : U.S. citizen victims of domestic violence may contact the Embassy for assistance.

Tourism : The tourism industry is unevenly regulated outside of the major cities, and safety inspections for equipment and facilities may not commonly occur. Hazardous areas/activities are not always identified with appropriate signage, and staff may not be trained or certified either by the host government or by recognized authorities in the field. In the event of an injury, appropriate medical treatment is typically available only in/near major cities. First responders are generally unable to easily access areas outside of major cities to provide urgent medical treatment. U.S. citizens are encouraged to purchase medical evacuation insurance. See our webpage for more  information on insurance providers for overseas coverage .

Maritime Security : Piracy and armed robbery in the Gulf of Guinea continue to trend upwards. Pirates/armed groups operating in the region typically carry out attacks on vessels using automatic weapons. Attacks, kidnappings for ransom, and robbery of crew, passengers, and ship’s property continue to be common occurrences.

Local Laws & Special Circumstances

Criminal Penalties : You are subject to local laws. If you violate local laws, even unknowingly, you may be expelled, arrested, or imprisoned. Individuals establishing a business or practicing a profession that requires additional permits or licensing should seek information from the competent local authorities prior to practicing or operating a business. 

Public smoking is illegal in Ghana. The U.S. Embassy is aware of arrests for cigarette smoking in public places, but has not received reports of prosecutions.

Be aware that building construction standards are often lower than those found in the United States. These lower standards have contributed to building collapses, fires, and electrical shock.

In recent years, U.S. citizens have reported substantial financial losses from questionable transactions involving gold and other precious metals. The Government of Ghana maintains strict regulations on these natural resources. All agents must be licensed and all transactions must be certified.

Furthermore, some laws are also prosecutable in the United States, regardless of local law. For examples, see our website on  crimes against minors abroad  and the  Department of Justice  website.

Arrest Notification : If you are arrested or detained, ask police or prison officials to notify the U.S. Embassy immediately. See our  webpage  for further information.

Swimming in coastal waters is dangerous and strongly discouraged, even for excellent swimmers. The ocean currents along the coast are powerful and treacherous, and several people drown each year.

Faith-Based Travelers : See the following webpages for details:

• Faith-Based Travel Information
• International Religious Freedom Report  – see country reports
• Human Rights Report  – see country reports
• Hajj Fact Sheet for Travelers
• Best Practices for Volunteering Abroad

LGBTI Travelers : Ghana’s criminal code outlaws “unnatural carnal knowledge,” which is frequently interpreted by local authorities as consensual same-sex sexual relations. This is criminalized as a misdemeanor in Ghana. The U.S. Embassy is aware of arrests and related extortion attempts for such activities, but has not received reports of prosecutions.

See our  LGBTI Travel Information  page and section 6 of our  Human Rights report  for further details.

Travelers Who Require Accessibility Assistance : You may find accessibility and accommodation very different from what you find in the United States. Ghana’s Persons with Disabilities Act (2006) explicitly prohibits discrimination against persons with physical, sensory, intellectual, and mental disabilities in employment, health care, air travel and other transportation, and other domains. The government does not systematically or overtly discriminate against persons with disabilities, but such persons may experience societal discrimination.

Furthermore, the law provides persons with disabilities access to public buildings “as far as is practical.” However, most buildings, transportation, and educational facilities do not provide for people with special needs. Because many streets are unpaved or not well-maintained, and sidewalks are not prevalent, individuals in wheelchairs or who have difficulty walking face challenges.

Students :  See our  Students Abroad  page and  FBI travel tips .

Women Travelers : Rape is a crime in Ghana punishable by five to 25 years in prison. However, rape is significantly underreported and remains a serious problem. Domestic violence is a crime punishable by up to two years in prison and/or a fine. Police rarely respond to reports of domestic violence.

See our travel tips for  Women Travelers .

Medical facilities in Ghana are limited, particularly outside the capital, Accra. You should carry adequate supplies of any needed prescription medicines, along with copies of your prescriptions, the generic name of the drugs, and a supply of preferred over-the-counter medications.

Mosquito-borne illnesses, such as Malaria, Yellow Fever, and Dengue are a significant problem, and prevention of bites and proper Yellow Fever immunization are important for all areas. 

While in Ghana, you should carry and use insect repellents containing either 20 percent DEET, picaridin, oil of lemon eucalyptus, or IR3535; treat clothing and tents with permethrin; and sleep in screened or air-conditioned rooms under insecticide-impregnated mosquito nets.

Refer to the CDC website for  health information for travelers to Ghana.

For emergency services in Ghana, dial 211.

Ambulance services are:

• Not widely available, and training and availability of emergency responders may be below U.S. standards. 
• Not equipped with state-of-the-art medical equipment.  
• Not staffed with trained paramedics, and often have little or no medical equipment. 
• Injured or seriously ill travelers may prefer to take a taxi or private vehicle to the nearest major hospital rather than wait for an ambulance.  

We do not pay medical bills.  Be aware that U.S. Medicare/Medicaid does not apply overseas. Most hospitals and doctors overseas do not accept U.S. health insurance.

Medical Insurance : Make sure your health insurance plan provides coverage overseas. Most care providers overseas only accept cash payments. See our webpage for more information on insurance providers for overseas coverage. Visit the  U.S. Centers for Disease Control and Prevention  for more information on type of insurance you should consider before you travel overseas.

We strongly recommend supplemental insurance to cover medical evacuation.

Always carry your prescription medication in original packaging, along with your doctor’s prescription. Check with the Ghana Food and Drugs Authority to ensure the medication is legal in Ghana.

Vaccinations:  Be up-to-date on all  vaccinations  recommended by the U.S. Centers for Disease Control and Prevention.

Further health information:

• World Health Organization
• U.S. Centers for Disease Control and Prevention  (CDC)  

Air Quality:  Visit  AirNow Department of State  for information on air quality at U.S. Embassies and Consulates. 

The U.S. Embassy maintains a list of doctors and hospitals.   We do not endorse or recommend any specific medical provider or clinic. 

Health Facilities in General :

• Public medical clinics lack basic resources and supplies.  
• Hospitals and doctors often require payment “up front” prior to service or admission. Credit card payment is not always available. Most hospitals and medical professionals require cash payment. 
• Private hospitals usually require advance payment or proof of adequate insurance before admitting a patient.  
• Generally, in public hospitals only minimal staff is available overnight in non-emergency wards.
• Patients bear all costs for transfer to or between hospitals. 

Medical Tourism and Elective Surgery :

• Medical tourism is a rapidly growing industry. People seeking health care overseas should understand that medical systems operate differently from those in the United States, and are not subject to the same rules and regulations. Anyone interested in traveling for medical purposes should consult with their local physician before traveling.
• Visit the  U.S. Centers for Disease Control and Prevention  website for information on medical tourism, the risks of medical tourism, and what you can do to prepare before traveling to Ghana. 
• We strongly recommend  supplemental insurance  to cover medical evacuation in the event of unforeseen medical complications.  

Pharmaceuticals :

• Exercise caution when purchasing medication overseas. Pharmaceuticals, both over the counter and requiring prescriptions in the United States, are often readily available for purchase with little controls. Counterfeit medication is common, and may prove to be ineffective, the wrong strength, or contain dangerous ingredients. Medication should be purchased in consultation with a medical professional and from reputable establishments.  
• U.S. Customs and Border Protection and the Food and Drug Administration are responsible for rules governing the transport of medication back to the United States. Medication purchased abroad must meet their requirements to be legally brought back into the United States. Medication should be for personal use and must be approved for usage in the United States. Please visit the  U.S. Customs and Border Protection  and the  Food and Drug Administration  websites for more information.   

Assisted Reproductive Technology and Surrogacy :

• If you are considering traveling to Ghana to have a child through use of assisted reproductive technology (ART) or surrogacy, please see our  ART and Surrogacy Abroad page . 

Water Quality :

• In many areas, tap water is not potable. Bottled water and beverages are generally safe, although you should be aware that many restaurants and hotels serve tap water unless bottled water is specifically requested. Be aware that ice for drinks may be made using tap water. 

Adventure Travel :

• Visit the U.S. Centers for Disease Control and Prevention website for more information about  Adventure Travel . 

General Health :

The following diseases are prevalent:

• Dengue Fever
• Diarrheal Illness
• Meningococcal Meningitis
• Tuberculosis
• Schistosomiasis
• Typhoid Fever
• Use the U.S. Centers for Disease Control and Prevention-recommended mosquito repellents and sleep under insecticide-impregnated mosquito nets. Chemoprophylaxis is recommended for all travelers, even for short stays.
• HIV/AIDS: Please visit https://www.ghanaids.gov.gh/ for information about HIV/AIDS in Ghana.  
• Visit the U.S. Centers for Disease Control and Prevention website for more information about  Resources for Travelers  regarding specific issues in Ghana.   

Air Quality :

• Air pollution is a significant problem in several major cities in Ghana. Consider the impact seasonal smog and heavy particulate pollution may have on you, and consult your doctor before traveling if necessary.   
• Infants, children, and teens. 
• People over 65 years of age. 
• People with lung disease, such as asthma and chronic obstructive pulmonary disease (COPD), which includes chronic bronchitis and emphysema. 
• People with heart disease or diabetes. 
• People who work or are active outdoors. 

Travel and Transportation

Road Conditions and Safety : Main roads in major cities are generally paved and well-maintained. Secondary roads and many roads outside of major cities are mostly in poor condition. Many accidents occur on the highway from Accra to Cape Coast. Travel in darkness, particularly outside the major cities, is extremely hazardous due to poor street lighting and the unpredictable behavior of pedestrians, bicyclists, and animals. Aggressive drivers, poorly maintained vehicles, and overloaded vehicles pose serious threats to road safety.

Scammers may intentionally bump into vehicles and pretend to be hit. They then attempt to extort money from the vehicle’s occupants. Scams of this nature most commonly occur in congested urban areas.

There has been an increase in robberies on the highways from Bole-to-Wa and Kintampo-to-Tamale, as well as on other minor roads within parts of the Upper West, Upper East, Northern, Eastern, Bono, Bono East, and Ahafo Regions. Embassy personnel are not permitted to travel at night outside of major cities, and are encouraged to avoid the areas listed in our  Travel Advisory . Remain vigilant, and drive with doors locked and windows up.

Traffic Laws : Travelers are routinely stopped at police checkpoints throughout Ghana, and vehicles and passengers may be searched. Drivers must possess an international driver’s license (available from  AAA  and the  American Automobile Touring Alliance ) or a Ghanaian driver’s license. When foreign drivers apply for their Ghanaian driver’s license, they may be asked to have their international driver’s license or their home country driver’s license confirmed by their embassy. The U.S. Embassy in Ghana is unable to authenticate such state-issued or international drivers’ licenses, and advises U.S. citizens to contact the National Identification Authority in Ghana or have their U.S. driver’s license authenticated in the United States prior to arriving in Ghana. While in Ghana, you should carry documentation of your immigration status, such as a passport and a visa.

Public Transportation : Safety standards for small private buses, often called tro-tros, are substandard.

See our  Road Safety page  for more information. Visit the website of  Ghana’s national tourist office and national authority responsible for road safety.

Aviation Safety Oversight : The U.S. Federal Aviation Administration (FAA) has assessed the government of Ghana’s Civil Aviation Authority as not being in compliance with International Civil Aviation Organization (ICAO) aviation safety standards for oversight of Ghana’s air carrier operations. Further information may be found on the  FAA’s safety assessment page .

Due to safety concerns, Ghana Civil Aviation Authority prohibits transporting via air carrier any Samsung Galaxy Note 7 phone device.

Maritime Travel : Mariners planning travel to Ghana should also check for  U.S. maritime advisories and alerts . Information may also be posted to the  U.S. Coast Guard homeport website , and the  NGA broadcast warnings .

For additional travel information

• Enroll in the  Smart Traveler Enrollment Program (STEP)  to receive security messages and make it easier to locate you in an emergency.
• Call us in Washington, D.C. at 1-888-407-4747 (toll-free in the United States and Canada) or 1-202-501-4444 (from all other countries) from 8:00 a.m. to 8:00 p.m., Eastern Standard Time, Monday through Friday (except U.S. federal holidays).
• See the  State Department’s travel website  for the  Worldwide Caution  and  Travel Advisories .
• Follow us on  Twitter  and  Facebook .
• See  traveling safely abroad  for useful travel tips.

Review information about International Parental Child Abduction in Ghana . For additional IPCA-related information, please see the  International Child Abduction Prevention and Return Act ( ICAPRA )  report.”

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Authorities working to enhance insurance awareness in Ghana

Ghana | Financial Services

While the authorities have prioritised enhancing insurance penetration in Ghana, uptake remains stubbornly low. Indeed, insurance penetration measured as gross premium as a share of GDP hovered around 1% between 2016 and 2022, according to the National Insurance Commission (NIC). By ways of regional comparison, in 2021 South Africa had the highest penetration rate on the continent, at 17%, followed by Namibia (6.3%). However, other indicators have shown progress: insurance coverage – or the percentage of the population that has insurance services – reached 44.6% in 2022. Meanwhile, life insurance penetration, ticked upwards from 29% in 2015 to 31% in 2022; measured as a proportion of the working population, this figure rose to 45%.

Targeted Regulations

The Insurance Act of 2021 was implemented to address low penetration, as well as modernise the sector. The legislation introduced a special licence for companies with new or innovative products or services, in a move aimed to enhance accessibility among the unbanked. It also introduced three new compulsory lines of coverage: public liability, professional indemnity and marine cargo insurance. Previously, only fire and auto insurance were required. By adding additional lines of compulsory coverage, the authorities are hoping to bring additional entities and individuals who are currently uninsured into the fold.

The act built on the success of the Motor Insurance Database (MID) created to reduce the incidence of fake motor insurance and increase levels of compliance. The platform allows police to verify the authenticity of motor insurance plans and gives insurers the ability to underwrite motor policies electronically. Between its launch in 2020 and 2023, more than 4.4m insurance stickers were issued.

While the legislation makes important steps towards strengthening the sector, awareness remains a challenge. “It is usually relatively easy to convince institutions to purchase insurance plans when required by law, as there are assets and investment involved,” Kukie Essel-Komsoon, assistant general manager of KEK Insurance Brokers, told OBG. “However, this is more difficult when it comes to the general public, as there remains a lack of understanding about the importance of being insured.”

According to the “Public Perception, Awareness and Confidence of Insurance” survey of over 1000 respondents across Ghana published by the NIC in 2021, while 96% of respondents had heard the term insurance and 87% confirmed that they understood the term, 25% reported having a good knowledge of insurance. In terms of the perception of insurance in the country, 61.6% of respondents understood insurance to be a safety mechanism against unforeseeable future risks. Around 41.4% of respondents agreed that insurance is “appealing”, while 34% did not agree with that assessment. Respondents’ sex, age and location did not affect their perception of insurance, but the study found that age affected confidence in coverage: respondents under the age of 30 were more confident in terms of trust, protection and ease than those over the age of 30.

To help address this, the NIC is implementing an awareness drive to enhance the public’s understanding and appreciation of insurance. In addition to the NIC’s insurance education programmes, private brokerages have begun to provide free online webinars for the public about the benefits of insurance. German development agency GIZ has also partnered with public and private institutions to help spread awareness about insurance. To help increase penetration and foster growth in the insurance technology (insurtech) space, in 2022 GIZ, in partnership with the NIC, launched the Innolab Insurtech Accelerator Programme, bringing together various insurtech players for mentoring and coaching, as well as fostering innovative solutions to the industry’s challenges.

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