Best Travel Insurance for Ghana in 2025
- The best travel insurance plans for Ghana
- Travel Safety in Ghana
- Is Travel Insurance Required to Enter Ghana?
- Why take out travel insurance for Ghana?
- What Travel Insurance for Ghana Should Cover
- The cost of travel insurance for Ghana
- How to pay less for your travel insurance to Ghana
- Your current insurance coverage in Ghana
- FAQ
Travel insurance for Ghana: key takeaways
1. Definition: Travel insurance for Ghana covers medical emergencies, repatriation, and other unexpected travel-related incidents.
2. Key protection: Insurance is not mandatory but vital due to limited medical facilities and potential high costs.
3. Healthcare cost: Private healthcare in Ghana can be costly, with hospital stays averaging $200-$500+ per night.
4. Price: A one-week travel insurance policy for Ghana typically costs between $40 and $70.
5. Good to know: Ensure your policy includes medical evacuation, as advanced care is limited outside major cities.
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 Ghana.
The best travel insurance plans for Ghana
| Contract we recommend | Medical reimbursement limit | Our view |
|---|---|---|
| HelloTravel Premium | $1.1M USD | Our recommendation for safe travel to Ghana. - high medical ceiling - strong repatriation - emergency assistance abroad |
| Cap Assistance 24/24 | $1.1M USD | A good choice for all stays, especially for support needs. - 24/7 medical hotline - responsive service - rapid claims |
| Tourist Card | $550,000 USD | A practical solution for tourism in Ghana. - solid core cover - helpful for hospital costs - easy admin |
| Travel Pass Monde | $770,000 USD | A balanced plan for international trips. - repatriation included - good medical coverage - hospitalization covered |
| Globe Partner | $330,000 USD | Reliable for essential protection in Ghana. - medical care abroad - emergency repatriation - civil liability included |
| Globe Traveller | $550,000 USD | An affordable policy for Ghana. - essential medical cover - quick reimbursement - covers emergencies |
- high medical ceiling
- strong repatriation
- emergency assistance abroad
- 24/7 medical hotline
- responsive service
- rapid claims
- solid core cover
- helpful for hospital costs
- easy admin
- repatriation included
- good medical coverage
- hospitalization covered
- medical care abroad
- emergency repatriation
- civil liability included
- essential medical cover
- quick reimbursement
- covers emergencies
Travel Safety in Ghana
As of June 2025, the US Department of State advises travelers to Ghana to exercise increased caution, due to security risks such as violent crime and targeted threats in specific regions. The advisory highlights serious health and safety issues, especially for women, LGB travelers, and those heading to border areas in the north.
Here are their four main recommendations.
- Security risks: crime rates remain high in urban centers, with frequent reports of carjacking, mugging, and assault, particularly after dark in Accra and Kumasi. Some northern border regions near Burkina Faso and Côte d'Ivoire are subject to heightened violence and civil unrest, and access is restricted for US government personnel.
- Health risks: Yellow Fever vaccination is mandatory for entry to Ghana. Malaria, Dengue Fever, and other mosquito-borne diseases are prevalent, while medical care outside Accra is very limited. Emergency medical evacuation coverage is strongly recommended.
- Legal constraints: same-sex relations are criminalized and can result in imprisonment. Carrying more than $10,000 USD in cash without declaration is forbidden at entry or exit.
- Cultural and environmental issues: women traveling alone are at higher risk for assault in certain areas. Road conditions may deteriorate during the rainy season, increasing accident risk outside major cities.
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 Ghana.
Is Travel Insurance Required to Enter Ghana?
No, travel insurance is not mandatory for U.S. travelers to enter Ghana.
Travel insurance remains strongly recommended due to the high cost of medical care, mandatory Yellow Fever vaccination, and the risk of emergency medical evacuation, especially as facilities are limited outside Accra.
According to our data, 80% of travelers purchase travel insurance before going to Ghana because the country presents significant health risks, limited access to care, and frequent security incidents.
Why take out travel insurance for Ghana?
It is an essential financial and medical protection for anyone going to Ghana.
In Ghana, public hospitals outside Accra such as Korle Bu Teaching Hospital are often overcrowded and may lack necessary supplies, while private clinics in Accra and Kumasi, like Nyaho Medical Centre or Lister Hospital, charge high fees for foreigners and require payment upfront.
Travel insurance covers medical fees, hospitalization, medication, ambulance transport, and emergency repatriation to the United States in the event of a serious incident.
Here are some examples of healthcare costs in Ghana.
| Example of medical treatment | Cost at Nyaho Medical Centre | Covered by travel insurance |
|---|---|---|
| I have to be hospitalized 48 hours after contracting an infection | 8,700 GHS (about $675) | 100% up to the policy limit |
| I broke my tibia (X-ray, cast, and crutch rental) | 5,450 GHS (about $420) | 100% up to the policy limit |
| I need to be repatriated | 180,000 GHS (about $14,000) | 100% up to the policy limit |
| I have appendicitis (consultation and surgery) | 16,000 GHS (about $1,250) | 100% up to the policy limit |
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 Travel Insurance for Ghana Should Cover
| Main coverages | Explanations and recommendations |
|---|---|
| 🏥 Medical expenses | Covers doctor’s fees, hospital stays, medications, and emergency treatments. Recommended minimum reimbursement: $100,000. |
| 🚑 Medical evacuation | Pays for ambulance or air transport to a hospital or back to the United States in case of serious illness or injury. Recommended minimum reimbursement: $150,000. |
| 💊 Repatriation of remains | Covers transport of the body to the United States in the event of death during the trip. Recommended minimum reimbursement: $25,000. |
| 🧳 Baggage and belongings | Reimburses lost, stolen, or damaged personal effects up to policy limits. Recommended minimum reimbursement: $1,500 per person. |
| ✈️ Trip cancellation/interruption | Covers non-refundable expenses if you need to cancel or cut short your trip due to covered reasons such as illness or emergencies. Recommended minimum reimbursement: $2,000. |
| 🦟 Epidemic and vaccination | Coverage for medical care due to diseases common in Ghana, including malaria and Yellow Fever. Recommended minimum reimbursement: $5,000. |
| 👨⚖️ Personal liability | Protects if you accidentally cause damage or injury to others. Recommended minimum reimbursement: $100,000. |
| 🛃 Assistance and legal support | 24/7 hotline for medical, legal, or translation support and emergency cash advances. Recommended: Make sure your policy provides round-the-clock assistance services. |
Recommended minimum reimbursement: $100,000.
Recommended minimum reimbursement: $150,000.
Recommended minimum reimbursement: $25,000.
Recommended minimum reimbursement: $1,500 per person.
Recommended minimum reimbursement: $2,000.
Recommended minimum reimbursement: $5,000.
Recommended minimum reimbursement: $100,000.
Recommended: Make sure your policy provides round-the-clock assistance services.
Travel insurance from local providers or included with bank cards often has low limits and many exclusions. It is safer to opt for a trusted insurer with complete coverage. Compare top options on HelloSafe and subscribe online to receive an instant insurance certificate.
The cost of travel insurance for Ghana
| Trip duration | Traveler’s age | Indicative price per person |
|---|---|---|
| 1 week | 25 years old | $40–$60 |
| 2 weeks | 45 years old | $60–$90 |
| 1 month | 35 years old | $90–$130 |
| 1 month | 70 years old | $180–$250 |
These prices are indicative and may vary depending on the coverage chosen and the specifics of each insurer.
Good to know
The cost of your travel insurance is based on several key elements: the traveler's age, the duration of your stay, your destination, and any extra options like trip cancellation. Keeping these factors in mind is crucial for choosing a policy that fits your needs and budget, ensuring a worry-free vacation.
💡 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 Ghana
Here are some suggestions to optimize the cost of your travel insurance to Ghana while keeping good coverage:
| Criteria | Why it matters | Expert tip |
|---|---|---|
| 🩺 Level of coverage | Medical costs in Ghana can be significant, especially if evacuation is needed or facilities are limited. | Choose only the medical coverage limit you realistically need. Avoid unnecessary extras to keep your premium affordable. |
| 🧳 Trip length | Premiums increase with longer stays, and costs may add up for extended trips in Ghana. | Calculate your actual travel days. Purchase insurance only for confirmed trip days, not flexible dates, to pay less. |
| 👨👩👧👦 Number of travelers | Group policies can offer better value for families or groups than multiple single policies. | Look for family or group discounts. Insurers often offer reduced rates when you insure several people together. |
| 👶 Traveler's age | Insurers may charge higher premiums for older travelers—this can greatly affect your total cost. | Consider Heymondo, which does not increase its prices for people over 62. Compare age bands before buying for your group. |
| 🗺️ Destinations covered | Some plans cover multiple countries, which could cost more than a Ghana-only policy. | Select coverage specific to Ghana. Avoid unnecessary multi-country plans unless you are also visiting other nations. |
| 💳 Payment method | Some payment options can offer reductions or avoid foreign transaction fees in Ghana. | Check if your card provides cashback or discounts for insurance. Avoid high-fee cards when paying premiums online. |
| 📉 Deductible amount | Increasing the deductible usually means you pay less upfront for your insurance plan. | Compare premiums with various deductibles. Opt for a higher deductible only if you are able to cover small claims yourself. |
Your current insurance coverage in Ghana
It is completely legitimate to wonder if your current coverage—such as credit card insurance or a public health plan—can protect you during a trip to Ghana. Unfortunately, these options are usually limited or insufficient. Only travel insurance can meet the specific requirements for medical care and emergencies in Ghana. Here is a summary table to help you review your current insurance and what it covers.
| Type of insurance | Valid in Ghana? | What it covers | Why Travel Insurance is better |
|---|---|---|---|
| Public health insurance (Medicare, Medicaid) | No, never | No overseas health costs, hospitalization, or repatriation supported | Travel insurance covers up to $150,000 for emergencies, evacuation, and repatriation. |
| Private health insurance (Aetna, Cigna) | Yes, partly | Emergency expenses, up to $10,000–$25,000. Limited support for evacuation. | Travel insurance offers $100,000+ for treatment, evacuation, and 24/7 emergency services. |
| Classic credit card (Chase Freedom, Citi Double Cash, Capital One Platinum) | Yes, partly | Emergency health costs under $5,000. No coverage for trip cancellation or baggage loss. | Travel insurance covers medical expenses up to $100,000 plus baggage and trip protection. |
| Premium credit card (Chase Sapphire Reserve, Amex Platinum, Capital One Venture X) | Yes, partly | Medical cover up to $20,000–$50,000. Limited repatriation and travel interruption. | Travel insurance can reimburse up to $500,000 for medical and evacuation, and broad trip protection. |
Example
During a trip to Accra, Sarah contracted a severe case of malaria requiring hospitalization. The private clinic bill was $12,000. Her Chase Sapphire card’s travel insurance had a low medical limit, covering only $1,500, and her US health plan didn’t cover international care, leaving her to pay the remaining $10,500.
Expert advice
Always check the terms, exclusions, and limits of your existing insurance. Essential situations, like trip interruption due to a relative’s illness, might be excluded. Read the conditions carefully to avoid unpleasant surprises abroad. In all cases, it is safer and more reassuring to subscribe to a dedicated travel insurance tailored to your trip.
FAQ
Do I need a visa to travel to Ghana?
Yes, U.S. citizens require a visa to enter Ghana for tourism or business purposes. You must hold a valid passport with at least six months’ validity remaining. In addition, proof of Yellow Fever vaccination is mandatory for all travelers over nine months of age.
How do I purchase travel insurance for Ghana?
First, compare reputable travel insurance plans using a tool like HelloSafe. Next, review the policy coverage and exclusions carefully, making sure they include the medical and evacuation coverage needed for Ghana. Then, purchase the insurance online and receive your certificate instantly by email.
Will my health insurance from the U.S. cover me in Ghana?
Most standard U.S. health insurance plans, including Medicare and Medicaid, do not provide coverage for medical treatment abroad. Private U.S. policies may offer limited emergency benefits, but usually require you to pay costs upfront and file for reimbursement. Comprehensive travel insurance is strongly recommended.
What should I do if I need emergency medical evacuation in Ghana?
Immediate medical evacuation from Ghana, especially outside Accra, can be costly and logistically complex. Choose travel insurance with a high coverage limit—ideally at least $100,000—for medical evacuation, as out-of-pocket costs may reach tens of thousands of dollars without coverage.
How much does travel insurance for Ghana usually cost?
Travel insurance premiums vary depending on your age, length of trip, and coverage amounts, but expect to pay between $80 and $180 for a two-week trip. Comprehensive plans, which include medical care, evacuation, and trip interruption, generally cost more than basic options but provide broader protection.
Are there any specific risks in Ghana that my travel insurance should cover?
Yes, Ghana has risks such as malaria, limited medical facilities outside major cities, and higher rates of theft or violent crime. Look for travel insurance that provides strong emergency medical, theft, and evacuation benefits, as well as 24/7 support in the event of injury, illness, or travel disruption.
Do I need a visa to travel to Ghana?
Yes, U.S. citizens require a visa to enter Ghana for tourism or business purposes. You must hold a valid passport with at least six months’ validity remaining. In addition, proof of Yellow Fever vaccination is mandatory for all travelers over nine months of age.
How do I purchase travel insurance for Ghana?
First, compare reputable travel insurance plans using a tool like HelloSafe. Next, review the policy coverage and exclusions carefully, making sure they include the medical and evacuation coverage needed for Ghana. Then, purchase the insurance online and receive your certificate instantly by email.
Will my health insurance from the U.S. cover me in Ghana?
Most standard U.S. health insurance plans, including Medicare and Medicaid, do not provide coverage for medical treatment abroad. Private U.S. policies may offer limited emergency benefits, but usually require you to pay costs upfront and file for reimbursement. Comprehensive travel insurance is strongly recommended.
What should I do if I need emergency medical evacuation in Ghana?
Immediate medical evacuation from Ghana, especially outside Accra, can be costly and logistically complex. Choose travel insurance with a high coverage limit—ideally at least $100,000—for medical evacuation, as out-of-pocket costs may reach tens of thousands of dollars without coverage.
How much does travel insurance for Ghana usually cost?
Travel insurance premiums vary depending on your age, length of trip, and coverage amounts, but expect to pay between $80 and $180 for a two-week trip. Comprehensive plans, which include medical care, evacuation, and trip interruption, generally cost more than basic options but provide broader protection.
Are there any specific risks in Ghana that my travel insurance should cover?
Yes, Ghana has risks such as malaria, limited medical facilities outside major cities, and higher rates of theft or violent crime. Look for travel insurance that provides strong emergency medical, theft, and evacuation benefits, as well as 24/7 support in the event of injury, illness, or travel disruption.
