What are the best Travel Insurance options for Chad in 2025?
- The best travel insurance plans for Chad
- Is it currently safe to travel to Chad?
- Is travel insurance required by law to enter Chad?
- Why take out travel insurance for Chad?
- What Should Travel Insurance for Chad Cover?
- The cost of travel insurance for Chad
- How to pay less for your travel insurance to Chad
- Your Current Insurance Coverage in Chad
- FAQ
Travel insurance for Chad: key takeaways
1. Definition: Travel insurance for Chad covers medical emergencies, trip cancellation, and other unforeseen travel disruptions.
2. Warning: The U.S. State Department advises reconsidering travel to Chad due to crime, terrorism, and unrest.
3. Key protection: Insurance is not mandatory but is crucial due to limited medical facilities and significant security risks.
4. Price: A one-week travel insurance policy for Chad typically costs between $50 and $100 for US travelers.
5. Good to know: Ensure your policy includes medical evacuation, as U.S. government assistance is extremely limited in Chad.
Why trust HelloSafe?
HelloSafe is an international specialist in travel insurance comparison, advising over one million travelers every month. After analyzing 41 travel insurance policies available in the US, our experts share here everything you need to know to choose the best travel insurance for Chad.
The best travel insurance plans for Chad
| Contract we recommend | Medical reimbursement limit | Our view |
|---|---|---|
| HelloTravel Premium | $1.1M | Strong solution for Chad’s risks. - high medical ceiling - repatriation - flexible for different trip types |
| Cap Assistance 24/24 | $1.1M | Ideal for emergencies and evacuation. - 24/7 helpline - covers cancellations - no deductible |
| Tourist Card | $550k | Meets standard tourism needs in Chad. - core emergency cover - simple claims process - emergency assistance |
| Travel Pass Monde | $770k | Balanced choice for longer or remote stays. - hospital and repatriation cover - wide area covered |
| Globe Partner | $330k | Reliable for essential health risks in Chad. - medical care abroad - repatriation - civil liability cover |
| Globe Traveller | $550k | For cost-conscious, short trips. - emergency medical care - quick reimbursement - limited maximum limit |
- high medical ceiling
- repatriation
- flexible for different trip types
- 24/7 helpline
- covers cancellations
- no deductible
- core emergency cover
- simple claims process
- emergency assistance
- hospital and repatriation cover
- wide area covered
- medical care abroad
- repatriation
- civil liability cover
- emergency medical care
- quick reimbursement
- limited maximum limit
Is it currently safe to travel to Chad?
As of June 2025, the US Department of State advises Level 3: reconsider travel to Chad due to persistent crime, terrorism, and civil unrest. Certain areas, including the Lake Chad region and all border zones, are classified as do not travel because of active armed conflict and kidnapping threats.
Here are their four main recommendations.
- Security risks: violent crime, terrorism, and armed clashes are widespread, especially near the borders with Cameroon, Nigeria, and Libya. The Lake Chad region is particularly dangerous due to Boko Haram activity.
- Health risks: malaria poses a year-round threat throughout Chad, and yellow fever vaccination is compulsory for certain travelers. Cholera outbreaks have been reported recently in regions like Sila and Salamat.
- Legal constraints: a visa must be obtained before arrival and travelers must register with the National Police within 72 hours of entering the country. Carry an international driving permit and adhere to currency declaration rules if carrying over the permitted CFA amount.
- Environmental conditions: travel outside N'Djamena after dark is discouraged due to security risks and poor road infrastructure, especially during the rainy season when roads may become impassable.
Although not required, travel insurance is strongly recommended by the US Department of State, particularly to cover medical expenses and emergency repatriation, which can be extremely costly in Chad.
Is travel insurance required by law to enter Chad?
No, travel insurance is not legally mandatory for US citizens to enter Chad.
Travel insurance is strongly recommended due to serious security risks, limited healthcare availability, and the high cost of emergency medical evacuation. Coverage can protect travelers from costly incidents, especially since medical facilities are basic, and private evacuation may be needed in case of injury or illness outside N'Djamena.
According to our data, 80% of travelers purchase travel insurance before going to Chad. This high rate is explained by the country’s health hazards, ongoing conflict, and expensive medical care and repatriation.
Why take out travel insurance for Chad?
It is an essential financial and medical protection for anyone going to Chad.
In Chad, healthcare facilities are limited and public hospitals in N’Djamena or regional cities often lack basic equipment, medicines, and skilled staff. Foreigners are commonly referred to private clinics such as Clinique Providence in N’Djamena, where treatment must be paid for in advance and even basic care is expensive. In serious cases, medical evacuation to Europe is often required, costing tens of thousands of dollars.
Travel insurance covers medical fees, hospitalization, medication, ambulance transport, and emergency repatriation to the US in the event of a serious incident.
Here are some examples of healthcare costs in Chad.
| Example of medical treatment | Cost at Clinique Providence | Covered by travel insurance |
|---|---|---|
| I have to be hospitalized 48 hours after contracting an infection | XAF 650,000 (about $1,080) | up to 100% |
| I broke my tibia (X-ray, cast, and crutch rental) | XAF 480,000 (about $800) | up to 100% |
| I need to be repatriated | XAF 16,000,000 (about $26,500) | up to 100% |
| I have appendicitis (consultation and surgery) | XAF 2,800,000 (about $4,630) | up to 100% |
These prices are given as an indication and may vary depending on the facilities and regions.
It is therefore essential to take out appropriate travel insurance to avoid unexpected and potentially high expenses.
What Should Travel Insurance for Chad Cover?
| Main coverages | Explanations and recommendations |
|---|---|
| 🏥 Medical expenses | Covers doctor consultations, hospitalization, and surgery after injury or illness. We recommend a reimbursement limit of at least $200,000. |
| 🚑 Medical evacuation | Pays for evacuation to the nearest adequate hospital, often abroad, if local facilities are insufficient. Minimum recommended coverage: $150,000. |
| ❌ Trip cancellation | Reimburses costs if you must cancel or interrupt your trip for a covered reason such as illness or emergency. Recommended limit: $5,000. |
| 🛄 Baggage insurance | Compensates for lost, stolen, or damaged baggage. Look for a limit of at least $1,500 per person. |
| 👨⚖️ Personal liability | Covers accidental injury or property damage to others. For Chad, a minimum of $100,000 in coverage is wise. |
| 💊 Prescribed medications | Reimburses for medicines required during your stay due to covered illness or injury. Recommended reimbursement: $1,000. |
| 📞 24/7 assistance | Provides access to immediate phone help and emergency support services at any time. No specific financial limit, but always confirm availability and language compatibility. |
| 🧑⚕️ Accidental death and disability | Pays a cash sum if an accident leads to death or permanent disability. A minimum of $30,000 is recommended. |
We recommend a reimbursement limit of at least $200,000.
Minimum recommended coverage: $150,000.
Recommended limit: $5,000.
Look for a limit of at least $1,500 per person.
For Chad, a minimum of $100,000 in coverage is wise.
Recommended reimbursement: $1,000.
No specific financial limit, but always confirm availability and language compatibility.
A minimum of $30,000 is recommended.
Travel insurance from local providers or bank cards usually includes low limits and many exclusions. For complete protection, it is safer to choose a trusted insurer with full coverage. Compare options with HelloSafe and subscribe online for instant certification.
The cost of travel insurance for Chad
| Trip duration | Traveler’s age | Indicative price per person |
|---|---|---|
| 1 week | 25 years old | $39 |
| 2 weeks | 45 years old | $58 |
| 1 month | 35 years old | $89 |
| 1 month | 70 years old | $188 |
These prices are indicative and may vary depending on the coverage chosen and the specifics of each insurer.
Good to know
The price of travel insurance for Chad depends on several factors: your age, the duration of your trip, the high-risk destination, coverage limits, and specific options like medical evacuation. Because of the elevated risks, it's vital to consider these elements carefully to select a policy that provides the necessary protection for your trip.
💡 It is always recommended to compare multiple offers to find the best value-for-money plan for you. You can use HelloSafe.
👉 Compare the best travel insurance for freeI compareHow to pay less for your travel insurance to Chad
Here are some suggestions to optimize the cost of your travel insurance to Chad while keeping good coverage:
| Criteria | Why it matters | Expert tip |
|---|---|---|
| 🏥 Level of medical coverage | Chad’s medical facilities are limited, and evacuation can be very expensive, making strong health coverage essential. | Choose a plan with at least $100,000 for medical and evacuation, but avoid other expensive optional add-ons. |
| 🕒 Trip duration | Longer trip durations lead to higher insurance costs, which can add up quickly for extended stays. | Insure only the dates you are actually in Chad to avoid paying for excessive days of coverage. |
| 👴 Traveller’s age | Premiums increase with age, especially for those over 60, due to increased health risks. | Shop around for senior rates. The insurer Heymondo does not increase its prices for people over 62. |
| 🧳 Activities planned | Some activities like expeditions or working in remote areas require extra insurance and can raise the premium. | Select coverage based only on the activities you will actually take part in to avoid unnecessary costs. |
| 🗺️ Geographic coverage | Worldwide plans are more expensive than regional or country-specific options. | Select a policy limited to Africa or Chad for a cheaper rate if you are visiting only this area. |
| 👨👩👧👦 Group/family policies | Group or family insurance may result in a lower average price per person compared to separate plans. | Look for group discounts if you are traveling with family members or colleagues to reduce total premiums. |
| 💳 Deductible level | Higher deductibles usually mean a lower premium but require paying more out of pocket for claims. | Consider a higher deductible if you are comfortable covering smaller expenses for a significant premium cut. |
Your Current Insurance Coverage in Chad
It’s completely legitimate to wonder whether your existing coverage—such as credit card insurance or your public health insurance—can protect you during a trip to Chad. Unfortunately, this coverage is often limited or insufficient, especially when it comes to medical evacuation or emergencies abroad. Here is a summary table to help you review your current insurance and what it covers.
| Type of insurance | Valid in Chad? | What it covers | Why Travel Insurance is better |
|---|---|---|---|
| Public health insurance (Medicare, Medicaid) | No, never | No coverage outside the United States. No medical evacuation or emergency support abroad. | Travel insurance covers $100,000+ for care and evacuation abroad. |
| Private health insurance (Aetna, Cigna, UnitedHealthcare) | Yes, partly | Emergency medical abroad, sometimes up to $25,000. No comprehensive repatriation. | Travel insurance covers up to $500,000 and includes evacuation. |
| Classic credit card (Visa Classic, Mastercard Standard, Wells Fargo) | Yes, partly | Medical limited to $10,000. Usually no baggage loss or trip cancellation protection. | Travel insurance covers $100,000+ and trip/baggage related risks. |
| Premium credit card (Amex Platinum, Chase Sapphire Reserve, Capital One Venture X) | Yes, partly | Medical coverage up to $50,000. Limited trip/baggage delay compensation. | Travel insurance can reimburse $250,000+ and offers more support. |
Example
While working near Chad's border, John contracted severe cerebral malaria. The required medical evacuation to Europe cost $50,000. His U.S. health plan had no overseas coverage, and his Visa Signature card’s travel benefit was capped at $5,000, leaving him with a shocking $45,000 bill for his survival.
Expert advice
Always check the terms, exclusions, and limits of your existing insurance. Essential situations, like trip interruption for a relative’s illness, might be excluded. Read the conditions carefully to avoid surprises abroad. In all cases, it is safer and more reassuring to subscribe a dedicated travel insurance tailored to the trip.
FAQ
Do I need a visa to travel to Chad?
Yes, U.S. citizens need a visa to enter Chad. You must obtain the visa from a Chadian embassy or consulate before departure. Additionally, your passport should be valid for at least six months after your arrival and have at least two blank pages for entry and exit stamps.
How do I purchase travel insurance for Chad?
First, compare available insurance policies using the HelloSafe travel insurance comparison tool. Carefully review the coverage options and exclusions, especially those specific to Chad, such as medical evacuation and security events. Once you select a policy, purchase it online. You will then receive your insurance certificate to use as proof if needed.
Are vaccinations required before traveling to Chad?
Yes, proof of yellow fever vaccination is mandatory for entry into Chad, especially if you are arriving from a country with a risk of yellow fever transmission. Other recommended vaccinations include hepatitis A and B, typhoid, meningococcal disease, and malaria prophylaxis. Plan ahead, as some vaccines require multiple doses.
What health risks should travelers to Chad be aware of?
Chad experiences ongoing malaria transmission, as well as occasional outbreaks of cholera and other infectious diseases. Local medical facilities are extremely limited, particularly outside the capital, N'Djamena. Medical evacuation can be expensive, sometimes costing over $50,000, which highlights the importance of specialized travel insurance.
Does travel insurance for Chad cover security incidents and evacuation?
Some travel insurance plans cover evacuation due to security threats such as civil unrest or terrorism, but this is not always standard. Read the policy details to confirm that both medical and security evacuation are included. This type of coverage is essential in Chad due to the heightened risk of unrest and limited local resources.
What should I do in case of an emergency while in Chad?
In an emergency, contact your insurance provider immediately using the hotline provided in your policy documents. Register with the U.S. Embassy in N'Djamena after arrival to receive safety updates. For urgent assistance, use the embassy's emergency contact number, but be aware that support outside the capital is very limited.
Do I need a visa to travel to Chad?
Yes, U.S. citizens need a visa to enter Chad. You must obtain the visa from a Chadian embassy or consulate before departure. Additionally, your passport should be valid for at least six months after your arrival and have at least two blank pages for entry and exit stamps.
How do I purchase travel insurance for Chad?
First, compare available insurance policies using the HelloSafe travel insurance comparison tool. Carefully review the coverage options and exclusions, especially those specific to Chad, such as medical evacuation and security events. Once you select a policy, purchase it online. You will then receive your insurance certificate to use as proof if needed.
Are vaccinations required before traveling to Chad?
Yes, proof of yellow fever vaccination is mandatory for entry into Chad, especially if you are arriving from a country with a risk of yellow fever transmission. Other recommended vaccinations include hepatitis A and B, typhoid, meningococcal disease, and malaria prophylaxis. Plan ahead, as some vaccines require multiple doses.
What health risks should travelers to Chad be aware of?
Chad experiences ongoing malaria transmission, as well as occasional outbreaks of cholera and other infectious diseases. Local medical facilities are extremely limited, particularly outside the capital, N'Djamena. Medical evacuation can be expensive, sometimes costing over $50,000, which highlights the importance of specialized travel insurance.
Does travel insurance for Chad cover security incidents and evacuation?
Some travel insurance plans cover evacuation due to security threats such as civil unrest or terrorism, but this is not always standard. Read the policy details to confirm that both medical and security evacuation are included. This type of coverage is essential in Chad due to the heightened risk of unrest and limited local resources.
What should I do in case of an emergency while in Chad?
In an emergency, contact your insurance provider immediately using the hotline provided in your policy documents. Register with the U.S. Embassy in N'Djamena after arrival to receive safety updates. For urgent assistance, use the embassy's emergency contact number, but be aware that support outside the capital is very limited.
