Travel Insurance

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Compare Travel Insurance

Side-by-side comparison of our recommended insurers — all trusted, all covering Africa and worldwide destinations.

Feature Staysure
Best for over 50s & pre-existing conditions		 Avanti
Best for medical conditions & cruises		 World Nomads
Best for adventure & backpackers
Best for Over 50s, retirees, pre-existing conditions Complex medical history, cruises Adventure activities, under 66s, backpacking
Age limit No upper age limit No upper age limit Up to 69 years (64 in some countries)
Pre-existing medical Specialist cover Specialist cover Limited — standard conditions
Emergency medical Up to £10m Up to £10m Up to £5m
Cancellation cover Included Included Included
Africa destinations Nigeria, Ghana, Kenya & more All Africa All Africa
Adventure activities Basic — add-on available Limited 200+ activities included
Single & annual policies Both Both Both
Cruise cover Add-on Specialist cruise cover Not covered
24/7 emergency helpline
Get a quote Get Staysure Quote * Affiliate link — we earn a commission at no cost to you Get Avanti Quote * Affiliate link — we earn a commission at no cost to you Get World Nomads Quote * Affiliate link — we earn a commission at no cost to you

Policy details correct at time of publication. Always read the full policy wording before purchasing.

staysure
Best for Over 50s

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Staysure Travel Insurance

The UK's leading specialist insurer for over 50s and those with pre-existing medical conditions

  • No upper age limit on all policies
  • Covers pre-existing medical conditions
  • Up to £10 million emergency medical cover
  • Cancellation & curtailment included
  • Nigeria, Ghana, Kenya & all Africa covered
  • Single trip and annual multi-trip policies
  • 24/7 emergency medical assistance
  • Missed departure cover included
  • Baggage & personal effects covered
  • Award-winning UK customer service
Why we recommend Staysure: Most of our customers travelling to Nigeria, Ghana and West Africa are families and over-50s. Staysure specialises exactly in this market — no upper age limit, comprehensive medical cover, and competitive prices.
AVANTI
Best for Medical Conditions

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Avanti Travel Insurance

Specialist cover for travellers with complex medical histories and cruise passengers

  • Specialist pre-existing medical cover
  • No upper age limit
  • Up to £10 million emergency medical cover
  • Dedicated cruise cover available
  • All Africa destinations included
  • Single trip and annual policies
  • 24/7 emergency helpline
  • Cancellation cover included
  • Missed departure cover
  • Highly rated for complex medical cases
Why we recommend Avanti: If you or a family member has a complex medical history — heart conditions, diabetes, cancer history — Avanti's specialist underwriting means you're more likely to get cover at a fair price where others may refuse.
World
Nomads
Best for Adventure

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World Nomads Travel Insurance

Built for adventurous travellers — covers 200+ activities including safari, trekking and diving

  • 200+ adventure activities covered as standard
  • Safari, gorilla trekking, diving, hiking
  • Up to £5 million emergency medical cover
  • Available to travellers aged up to 69
  • Tanzania, Rwanda, Kenya & all Africa
  • Extend or claim while you're travelling
  • Gear & equipment cover included
  • Trip cancellation & interruption cover
  • 24/7 emergency assistance worldwide
  • Ideal for USA & Canada travellers too
Why we recommend World Nomads: Customers booking safari packages to Tanzania, Rwanda or adventure tours need cover that actually includes their activities. World Nomads covers safari by default — other insurers often don't without a costly add-on.

Travel Insurance Tips

Buy as soon as you book

Insurance covers cancellation from the moment you buy it — not from when you travel. Don't wait until your departure date.

Declare medical conditions

Always declare pre-existing conditions. Non-disclosure can invalidate your entire claim, even for unrelated emergencies.

Check Africa is covered

Some cheap policies exclude high-risk regions. Always confirm your specific country — Nigeria, Ghana, Kenya — is explicitly covered.

Frequent travellers: go annual

If you fly home to Africa more than twice a year, annual multi-trip insurance usually works out cheaper than buying single trip each time.

Frequently Asked Questions

Yes — travel insurance is strongly recommended for all international travel. Medical treatment in West African countries can be expensive for non-residents, and repatriation costs without insurance can run into tens of thousands of pounds. Your UK NHS does not cover you abroad.
Yes. Staysure and Avanti both specialise in covering travellers with pre-existing medical conditions including heart conditions, diabetes, high blood pressure, asthma and many more. Always declare your conditions fully when getting a quote — failure to disclose can invalidate your claim.
Staysure and Avanti have no upper age limit. World Nomads covers up to age 69 (64 in some countries of residence). If you are over 70, we recommend Staysure or Avanti specifically.
Most policies include cancellation cover (if you need to cancel before departure) and delay cover (if your flight is delayed beyond a set number of hours). Always check the specific policy limits — these vary between insurers and policy levels.
A single trip policy covers one specific journey. An annual multi-trip policy covers unlimited trips within a 12-month period, subject to maximum trip duration limits (usually 31, 45 or 60 days per trip). If you travel twice or more per year, annual is almost always better value.
With World Nomads, over 200 adventure activities including safari, gorilla trekking, scuba diving and hiking are covered as standard. With Staysure and Avanti, you may need to add an adventure sports extension. Always check the policy's activity list before you travel.