Best Travel Insurance for Togo in 2025: Complete Guide
- The best travel insurance plans for Togo
- Is it currently safe to travel to Togo?
- Is travel insurance required for Togo?
- Why take out travel insurance for Togo?
- What should travel insurance for Togo cover?
- The cost of travel insurance for Togo
- How to pay less for your travel insurance to Togo
- Can I rely on my current insurance to cover me in Togo?
- FAQ
Travel insurance for Togo: key takeaways
1. Definition: Travel insurance for Togo covers medical costs, emergency evacuation, and trip disruptions.
2. Warning: The U.S. government advises reconsidering travel to Togo due to crime and civil unrest.
3. Key protection: Travel insurance is not mandatory but is crucial due to limited local medical facilities.
4. Healthcare cost: Local medical care is limited and requires upfront cash payment for services.
5. Price: A one-week travel insurance policy for Togo typically costs between $30 and $60.
6. Good to know: Ensure your policy includes high coverage for medical evacuation to a major medical center.
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 Togo.
The best travel insurance plans for Togo
| Contract we recommend | Medical reimbursement limit | Our view |
|---|---|---|
| HelloTravel Premium | $1.1M | Comprehensive protection for higher-risk destinations like Togo. - high medical ceiling - evacuation and repatriation - broad guarantees |
| Cap Assistance 24/24 | $1.1M | Strong support for medical and security risks in Togo. - 24/7 medical assistance - emergency coverage - clear claim process |
| Tourist Card | $545k | Solid core medical coverage for short stays. - essential health limits - emergency help - simplified pricing |
| Travel Pass Monde | $765k | Balanced solution for travelers to Togo. - repatriation included - hospital room - suited for families |
| Globe Partner | $327k | Dependable basics for medical needs abroad. - healthcare abroad - repatriation - civil liability |
| Globe Traveller | $545k | Good fit for short-term or low-risk visits. - basic medical protection - fast claims - affordable premium |
- high medical ceiling
- evacuation and repatriation
- broad guarantees
- 24/7 medical assistance
- emergency coverage
- clear claim process
- essential health limits
- emergency help
- simplified pricing
- repatriation included
- hospital room
- suited for families
- healthcare abroad
- repatriation
- civil liability
- basic medical protection
- fast claims
- affordable premium
Is it currently safe to travel to Togo?
As of June 2025, the U.S. Department of State advises travelers to exercise increased caution when visiting Togo, mainly due to risks of terrorism, crime, civil unrest, and kidnapping. Travel north of Kande and along the northern border with Burkina Faso is classified as Level 4 – Do Not Travel.
Here are their four main recommendations.
- Security risks: terrorist activity and violent crime are present, especially in northern regions. Areas north of Kande have experienced attacks and should be avoided entirely.
- Health risks: malaria, yellow fever, typhoid, and dengue are common throughout Togo. Medical facilities are very limited outside Lomé, and care may not be available in rural areas.
- Legal requirements: all travelers must have a valid U.S. passport and a visa obtained before arrival. Yellow fever vaccination is required for entry and is checked at the airport in Lomé.
- Urban and environmental precautions: pickpocketing and theft occur in markets and on public transport in Lomé. Avoid demonstrations as they can turn violent and keep valuables out of sight.
Although not required, travel insurance is strongly recommended by the U.S. Department of State, particularly to cover medical expenses and emergency repatriation, which can be extremely costly in Togo.
Is travel insurance required for Togo?
No, travel insurance is not mandatory for travelers from the US to enter Togo.
It is still highly recommended to purchase travel insurance, as healthcare infrastructure in Togo is very limited and medical evacuation is often required for serious incidents. Malaria, yellow fever, and other diseases are common, making coverage for medical expenses, hospitalization, and repatriation especially important.
According to our data, 80% of travelers purchase travel insurance before going to Togo, mainly due to the risk of illness, limited medical facilities, and potential for serious security issues.
Why take out travel insurance for Togo?
It is an essential financial and medical protection for anyone going to Togo.
Healthcare in Togo is limited and access to quality services is largely restricted to private facilities, such as Clinique Biasa in Lomé. Public hospitals can lack essential equipment and medications. For severe health problems, medical evacuation or private care may be necessary, which quickly becomes expensive.
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 Togo.
| Example of medical treatment | Cost at Clinique Biasa | Covered by travel insurance |
|---|---|---|
| I have to be hospitalized 48 hours after contracting an infection | 800,000 XOF (about $1,320) | up to 100% |
| I broke my tibia (X-ray, cast, and crutch rental) | 450,000 XOF (about $740) | up to 100% |
| I need to be repatriated | 12,000,000 XOF (about $19,700) | up to 100% |
| I have appendicitis (consultation and surgery) | 1,500,000 XOF (about $2,470) | 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 Togo cover?
Here is a summary table of the main coverages you should look for in a travel insurance policy for Togo.
| Main coverages | Explanations and recommendations |
|---|---|
| 🏥 Medical expenses | Covers hospital stays, outpatient care, and emergency treatment in Togo. We recommend a reimbursement limit of at least $100,000. |
| ✈️ Medical evacuation | Pays for airlift or evacuation to the US or other safe country in a medical emergency. Recommended minimum: $150,000. |
| 🚑 Repatriation | Covers the cost to return you to the US if medically necessary. Recommended at least $50,000. |
| 💼 Lost/stolen baggage | Compensation for lost, stolen, or damaged luggage and personal effects. Choose a limit of at least $2,000. |
| ❌ Trip cancellation/interruption | Reimburses non-refundable costs if you must cancel or cut short your trip. We recommend a minimum coverage of $5,000. |
| 🏄♂️ Adventure activities | Covers medical expenses for injuries sustained during common activities in Togo. Have at least $10,000 in coverage. |
| 🚗 Rental vehicle coverage | Pays for damage or injuries when renting a vehicle. Recommended limit: $30,000. |
| 🦠 Personal liability | Protects against claims if you injure someone or damage property during your trip. Minimum suggested: $50,000. |
We recommend a reimbursement limit of at least $100,000.
Recommended minimum: $150,000.
Recommended at least $50,000.
Choose a limit of at least $2,000.
We recommend a minimum coverage of $5,000.
Have at least $10,000 in coverage.
Recommended limit: $30,000.
Minimum suggested: $50,000.
Travel insurance from local providers or bank cards often has very limited benefits, low limits, and many exclusions. It is safer to choose a reliable insurer with comprehensive coverage. You can compare the leading offers on HelloSafe and subscribe online for instant certification.
The cost of travel insurance for Togo
| Trip duration | Traveler’s age | Indicative price per person |
|---|---|---|
| 1 week | 25 years old | $32 |
| 2 weeks | 45 years old | $52 |
| 1 month | 35 years old | $69 |
| 1 month | 70 years old | $198 |
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 depends on several factors: the traveller’s age, trip duration, destination, coverage limits, and options such as trip cancellation. Higher-risk destinations or longer trips will naturally cost more. It is important to keep these elements in mind to select the right policy for your needs and budget.
💡 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 Togo
Here are some suggestions to optimize the cost of your travel insurance to Togo while keeping good coverage:
| Criteria | Why it matters | Expert tip |
|---|---|---|
| 🗓️ Trip duration | Insurance cost is based on length of stay. Only insure the days you are actually in Togo. | Buy insurance for the exact travel dates and not more, to avoid paying for extra, unnecessary coverage. |
| 🦟 Health risk coverage | Togo faces risks like malaria and yellow fever. Medical care is limited, so evacuation cover is important. | Pick the right evacuation and medical limit needed for Togo, not an unnecessarily high limit that raises the premium. |
| 💼 Baggage and property | Baggage loss and theft are possible, but high-value items may be rare in Togo. | Choose a modest baggage cover amount if you do not travel with expensive electronics or jewelry. |
| 🗺️ Geographic area | Global coverage costs more than regional or country-specific insurance. | Select only Togo or West Africa to pay less, instead of worldwide coverage options you do not need. |
| 👤 Traveler's age | Insurers typically raise premiums for seniors. | Compare providers, since Heymondo does not raise prices for those over 62, which is rare in the market. |
| 🎒 Activities covered | Customized coverage for risky or adventure activities can be expensive if you do not need these options. | Skip unnecessary sports/adventure coverage for a lower price if not planning such activities in Togo. |
| 👨👩👧 Group/family discounts | Traveling as a group or with family may make you eligible for bundled savings. | Look for family or group policies as these are often discounted compared to separate individual plans. |
Can I rely on my current insurance to cover me in Togo?
It is legitimate to wonder if your current coverage, such as public or private health insurance or credit card insurance, can protect you during a trip to Togo. Unfortunately, these forms of coverage are often insufficient abroad, especially with limited medical facilities in Togo and legal requirements such as mandatory Yellow Fever vaccination.
Here is a summary table to help you review your current insurance and what it covers.
| Type of insurance | Valid in Togo? | What it covers | Why Travel Insurance is better |
|---|---|---|---|
| Public health insurance (Medicare, Medicaid) | No, never | No coverage abroad, no reimbursement for care or evacuation | Travel insurance covers $100,000+ medical expenses and repatriation services |
| Private health insurance (Aetna, Blue Cross Blue Shield) | Yes, partly | Emergency care may be reimbursed after return, but excludes evacuation and local assistance | Travel insurance includes $100,000+ emergency care plus $150/day hospital support |
| Classic credit card (Chase Freedom, Wells Fargo Active Cash, Citi Simplicity) | Yes, partly | Limited coverage, medical care often $2,500–$5,000, usually no baggage or evacuation | Travel insurance offers $100,000+ medical, evacuation, luggage, and cancellation benefits |
| Premium credit card (Chase Sapphire Reserve, Amex Platinum, Mastercard World Elite) | Yes, partly | Medical coverage often up to $50,000–$150,000, limited evacuation and delays | Travel insurance guarantees $100,000+ evacuation and trip interruption with 24/7 support |
Example
In Lomé, Togo, Sarah contracted severe malaria. Her US health plan didn't cover international care, and her Visa Signature card's travel insurance only offered $2,000. The total cost for intensive care and a necessary medical evacuation flight reached $30,000, leaving her with a staggering $28,000 bill.
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 unpleasant surprises abroad. In all cases, it is safer and more reassuring to purchase a dedicated travel insurance policy tailored to your trip.
FAQ
Do I need a visa to travel to Togo?
Yes, U.S. citizens need a visa to enter Togo. You must apply for an e-visa before arrival. A single-entry tourist visa typically allows a stay of up to 15 days and costs about $40. Your U.S. passport must be valid for at least three months beyond your intended stay.
How do I purchase travel insurance for Togo?
First, compare policies using the HelloSafe travel insurance comparison tool. Then, review coverage and exclusions, especially for medical evacuation and tropical disease treatment relevant to Togo. Purchase your chosen plan online. Once completed, you will receive your insurance certificate by email.
What health risks should I consider when traveling to Togo?
Togo has several health concerns such as malaria, yellow fever, typhoid, and dengue. Medical facilities are very limited outside Lomé, so travel insurance with evacuation and emergency coverage is highly recommended. Yellow Fever vaccination is required for entry for travelers over one year old.
Can I extend my travel insurance if my trip to Togo is longer than planned?
Most insurance providers allow you to extend your coverage, but you must do this before your original policy ends. Contact your insurer as soon as your plans change to avoid any gaps in cover. Extensions may result in higher premiums.
What should I look for in a travel insurance policy for Togo?
Focus on policies with emergency medical and evacuation coverage, ideally of at least $100,000. Check if your plan includes illnesses common in Togo, such as malaria or yellow fever, and coverage for repatriation. Confirm that assistance is available in English for better support.
Are adventure or rural activities covered by standard travel insurance for Togo?
Many standard travel insurance plans exclude coverage for high-risk or remote activities. If you plan to visit northern areas or participate in adventure tourism, confirm your policy includes coverage for these activities. Consider supplementing your plan if extra protection is needed.
Do I need a visa to travel to Togo?
Yes, U.S. citizens need a visa to enter Togo. You must apply for an e-visa before arrival. A single-entry tourist visa typically allows a stay of up to 15 days and costs about $40. Your U.S. passport must be valid for at least three months beyond your intended stay.
How do I purchase travel insurance for Togo?
First, compare policies using the HelloSafe travel insurance comparison tool. Then, review coverage and exclusions, especially for medical evacuation and tropical disease treatment relevant to Togo. Purchase your chosen plan online. Once completed, you will receive your insurance certificate by email.
What health risks should I consider when traveling to Togo?
Togo has several health concerns such as malaria, yellow fever, typhoid, and dengue. Medical facilities are very limited outside Lomé, so travel insurance with evacuation and emergency coverage is highly recommended. Yellow Fever vaccination is required for entry for travelers over one year old.
Can I extend my travel insurance if my trip to Togo is longer than planned?
Most insurance providers allow you to extend your coverage, but you must do this before your original policy ends. Contact your insurer as soon as your plans change to avoid any gaps in cover. Extensions may result in higher premiums.
What should I look for in a travel insurance policy for Togo?
Focus on policies with emergency medical and evacuation coverage, ideally of at least $100,000. Check if your plan includes illnesses common in Togo, such as malaria or yellow fever, and coverage for repatriation. Confirm that assistance is available in English for better support.
Are adventure or rural activities covered by standard travel insurance for Togo?
Many standard travel insurance plans exclude coverage for high-risk or remote activities. If you plan to visit northern areas or participate in adventure tourism, confirm your policy includes coverage for these activities. Consider supplementing your plan if extra protection is needed.
Compare offers to find the best plan
It is always recommended to compare multiple offers to find the best value-for-money plan for you. You can use HelloSafe.
