Travel to Togo to backpack, study, intern, volunteer, work, or live as a digital nomad, expat or emigrant?

Image

Image
Page layout
 
INTRO ACTIVITIES STORIES ORGANIZATIONS SPOTLIGHT SEARCH TOPICS

Image  Togo

Intro
Back to top

Backpacking or travelling in Togo?

  • Togo, a narrow strip of land in West Africa that is easy to miss on the map - but that makes it all the more unique! Few travellers, beautiful beaches and many ethnic groups make Togo a real adventure for lovers of nature and African cultures.
  • Spotting activities: explore the mountains and forests of Kloto; visit the traditional houses of the Tamberma Valley; shop for handmade souvenirs at the Lomé Craft Market; learn about history and culture at the Togo National Museum; admire the architecture of Koutammakou; kayak on Lake Togo; go on Safari in Fazao-Malfakassa National Park; visit one of the voodoo markets and learn about ancient traditions; climb Mount Agou.
  • Spotting animals: baboons, elephants, hippos, crocodiles, antelopes, many birds, warthogs, turtles and much more.
  • Food spotting: fufu, grilled fish, koklo meme, gboma dessi, akpan, egusi soup, bissap.
Back to top

Studying in Togo?

  • Steps are being taken to improve education and the possibilities are therefore getting better, but the country is not in the top 100 of world education. Interesting programs that you can follow there are for example agriculture, biology, architecture, computer science and nature management, but of course there is much more.
  • Study cities: Lomé, Kara.
  • Language: French, with possible English options.
Back to top

Internships in Togo?

  • There are a number of internships possible, mainly through international organizations or universities.
  • Competencies: cultural insight, French language skills, flexibility, adaptability.
Back to top

Volunteering in Togo?

  • Learn about sustainable agriculture, help in the education sector, contribute to ecotourism or even art and culture. It is all possible in Togo! There is also a lot of humanitarian work where you can make a real contribution. Working in Togo?
  • The country mainly relies on agriculture and mining. You may be able to find a job in these sectors, or in the development aid world.
Back to top

Working as a digital nomad in Togo?

  • Little is known about the digital nomad life in Togo. However, we bet that it is a beautiful country if you want to experience a lot besides working and like some adventure and (infrastructure) challenges. The best place is probably Lomé because this city offers the most facilities.
Back to top

Living in Togo?

  • Life can be a challenge, but that is made up for by the beautiful culture and people and the beautiful nature.
  • The rich culture, friendly population, cheap costs and undiscovered nature are attractions, only the facilities are limited, health care comes with major challenges and if you do not speak French you will not get very far.
  • Education: there are a few international schools in Lomé.
  • Safety: there is crime, especially if you seem rich, you can be a target. Cars are also sometimes hijacked. But don't let this stop you, just make sure you are aware of local advice!
  • Health insurance: although health care is free or not costly, the costs can increase because the quality leaves much to be desired. So make sure you have your own good health insurance.
Back to top

CHECK COUNTRY INFORMATION  CHECK PREPARING AND INSURANCE  CHECK ACTIVITIES AND STORIES 

 

Image

Health, Insurance & Safety

How does healthcare work in Togo, and what travel insurance, health insurance or expat insurance do you need?

How does healthcare work in Togo, and what travel insurance, health insurance or expat insurance do you need?

How does the healthcare system work in Togo, and which insurance do you need?

Back to top

What is the quality of healthcare in Togo?

  • Togo has a limited healthcare system with clear differences between urban and rural areas.
  • Most facilities are located in and around the capital, Lomé, whereas care outside the cities is usually simple and less accessible.
  • Healthcare consists of a combination of public institutions, private clinics, ngos, and international organizations.
  • For many residents, healthcare is (partially) paid for out of pocket. This influences when, and often whether, people seek medical help.
  • Many people combine public healthcare with direct payments. Foreigners almost always opt for international insurance, primarily due to access to better care and medical evacuation.
  • Ambulance services are limited and not always reliable or readily available.
  • In practice, people often arrange their own transport to a hospital, for example via taxis or motorcycles. In emergencies, this can make a big difference in the outcome.
  • In cities, basic medicines are usually available, but shortages do occur. Outside urban areas, the supply is more limited. The quality of medicines can vary, and counterfeit medicines are found in parts of West Africa.
Back to top

How does the public healthcare system work in Togo?

  • Public healthcare is widely accessible and relatively inexpensive, but faces significant challenges.
  • Care focuses primarily on basic health care such as:
    • vaccinations.
    • mother and child care.
    • treatment of common diseases.
  • The quality varies greatly. Healthcare is better organized in Lomé than in rural areas, where shortages of staff, medicines, and equipment are more common.
Back to top

How does the private healthcare system work in Togo?

  • Private healthcare is mainly concentrated in Lomé and offers advantages such as better facilities, shorter waiting times, and often slightly better hygiene.
  • However, specialist care remains limited in the private sector as well, and healthcare costs are higher than in public healthcare.
  • For complex treatments, people often travel to countries such as Ghana or France.
  • How is the general practitioner system organised in Togo?
  • You will not find a GP like the ones you might be used to at home in Togo. Most people go directly to a clinic, hospital, or a private doctor.
  • In cities, this is relatively easy, but in rural areas, it can be difficult to find a doctor.
Back to top

How is the dental care and dentist arranged in Togo?

  • Dental care is limited, and if you do find it, it is mainly in urban areas.
  • For simple treatments, you can usually find an institution, but for complex dental care, many people go abroad.
Back to top

How is pregnancy and maternity care arranged in Togo?

  • In Togo, pregnancy is often viewed as a social and family event, in which family (and particularly older women) play an important role in guidance and advice.
  • Traditional knowledge and modern care often overlap: women combine medical check-ups with advice from family or traditional healers.
  • Pregnancy care is an important part of public health care in Togo and is actively encouraged through prenatal check-ups.
  • Many women make use of prenatal consultations in clinics and deliveries in hospitals or health centers. Just like general healthcare, the quality of maternity care varies greatly by location. Guidance is better in urban areas, while the risks of complications are higher in rural areas.
  • For high-risk pregnancies, foreigners often opt for private care or giving birth abroad.
  • Medical evacuation may be necessary in the event of complications.
  • Breastfeeding is the norm and is widely accepted in public.
Back to top

How safe or unsafe is a trip or stay in Togo?

What should you pay attention to in terms of safety in Togo?

  • Togo is relatively stable and is perceived by many travelers as friendly and accessible. Petty crime does occur, especially in Lomé and at busy markets.
  • This mainly involves pickpocketing, phone theft, and theft from parked cars.
  • Quiet neighborhoods and secluded beaches are places with higher risks.

What should you look out for in terms of diseases in Togo?

  • Malaria is a major risk throughout Togo.
  • In addition, other infectious diseases occur, especially in areas with poor hygiene. For example, gastrointestinal complaints are not uncommon.
  • Tap water is not safe to drink.

What should you pay attention to when it comes to traffic in Togo?

  • Traffic in Togo is chaotic and often unpredictable, with motorcycles (zémidjans) weaving through traffic everywhere, little adherence to traffic rules, and vehicles in varying condition.
  • Car accidents occur regularly, and medical assistance is limited.
  • Shared vans and minibuses are common, but often overloaded and not always safe. Taxis are often a better option, especially for longer distances.
Back to top

What are the best insurance options for backpacking, traveling, doing an internship, studying, volunteering, or working in Togo?

Back to top

What types of insurance should you get if you're planning to emigrate, work as an expat, or live in Togo?

Back to top
What insurance can you choose as backpacker, emigrant, expat, intern, nomad, student, volunteer or traveler abroad?
Back to top

What are the main international insurances through JoHo and WorldSupporter for activities, backpacking or travel to or from Togo

Advice and decision support
Insurance
Back to top

What are the main international insurances through JoHo and WorldSupporter for emigrants, expats and nomads in Togo

Advice and decision support
Insurance
Back to top
Why get specific insurance when going abroad: per activity abroad
What is travel insurance, and why take out specific insurance when you go on a trip or vacation?

What is travel insurance, and why take out specific insurance when you go on a trip or vacation?

Back to top

What is travel insurance to insure your trip or vacation?

  • Travel insurance is insurance that provides coverage for risks during a trip or vacation abroad. This mainly concerns loss of or damage to your luggage, medical assistance in the event of accidents, for example, or repatriation costs if you need to be transported back to your home country urgently. In some cases, travel insurance coverage also applies in your home country.
  • With continuous travel insurance, you are insured for all your trips throughout the year.
  • With temporary travel insurance, you take out insurance for each trip for the duration of the trip.
  • Cancellation insurance reimburses (all or part of) the travel sum, cancellation or accommodation costs if you have to cancel or interrupt your vacation.
Back to top

Why should you take out travel insurance for a short trip, vacation, or long-distance trip?

  • Travel insurance can provide coverage in the event of an accident or emergency while you are away.
  • Travel insurance can provide coverage for damage and accidents during the adventurous or sporting activities you are going to do.
  • Travel insurance can continue to provide coverage if your Dutch basic health insurance no longer provides coverage, or if the damage is only reimbursed at Dutch cost price.
  • Travel insurance can provide coverage in the event of damage, loss, or theft of your luggage.
  • Travel insurance can provide coverage if you are held liable for damage you cause to other people or their property.
  • Travel insurance can provide coverage if you have to return home early because something has happened to you or your immediate family.
Back to top

What is important to insure when you are going to travel?

  • That you have insurance that is valid in the countries where you are going to travel and possible work.
  • That you are adequately insured for the sports and activities you are going to participate in during your full period abroad
  • That you are insured for emergency assistance and early return if something happens to you or your immediate family.
  • That your medical expenses are insured up to the actual cost and not just for the standard costs. The costs per medical treatment vary greatly between countries.
  • That you insure your luggage and take sufficient precautions against theft or damage.
  • That you are well insured against personal liability.
  • That you are well insured in case of accidents.
  • That you only insure yourself for legal assistance if there is an immediate reason to do so, unless coverage is already automatically included in the insurance.
  • That you pay close attention to choosing the right coverage when performing work or voluntary work during your world trip.
Back to top

What insurance do you need for a trip or vacation?

 

Back to top
Travel insurances and insurances for long term abroad - Theme
What is round the world travel insurance or long-term travel insurance, and why take out specific insurance when you go abroad?

What is round the world travel insurance or long-term travel insurance, and why take out specific insurance when you go abroad?

Round the world travel insurance or long-term travel insurance

Back to top

What is round the world travel insurance or long-term travel insurance?

  • Round the world travel insurance means that you take out insurance that continues to provide coverage during all your activities abroad, and which is specifically intended for those who travel for long periods of time, such as world travelers, globetrotters, and nomads.
Back to top

Why should you take out specialized travel insurance for a long trip abroad?

  • Round the world travel insurance provides coverage for a much longer trip than regular travel insurance.
  • World travel insurance is specifically intended for longer trips, whereas regular travel insurance may offer coverage on paper, but in practice handles it differently.
  • World travel insurance is suitable for many types of activities, ranging from high-altitude trekking to more risky sports.
  • World travel insurance continues to provide coverage if you start working during your trip, whether planned or unplanned. If you did not take out insurance before departure that allows you to work, there is no guarantee that you will be able to take out insurance that provides coverage while abroad.
  • Long-term travel insurance continues to provide coverage when your home country's health insurance no longer does.
  • Worldwide travel insurance also covers your medical expenses up to the actual cost, and not just for the standard costs. The costs per medical treatment vary greatly between countries.
  • Worldwide travel insurance can also continue to provide coverage if negative travel advice is issued.
Back to top

What is important to insure when you are going to travel around the world?

  • That you have insurance that is valid in the countries where you are going to travel and possibly work.
  • That you are adequately insured for the sports and activities you are going to participate in during your full period abroad
  • That you are insured for emergency assistance and early return if something happens to you or your immediate family.
  • That your medical expenses are insured up to the actual cost and not just for the standard costs. The costs per medical treatment vary greatly between countries.
  • That you insure your luggage and take sufficient precautions against theft or damage.
  • That you are well insured against personal liability.
  • That you are well insured in case of accidents.
  • That you only insure yourself for legal assistance if there is an immediate reason to do so, unless coverage is already automatically included in the insurance.
  • That you pay close attention to choosing the right coverage when performing work or voluntary work during your world trip.
Back to top

What insurance do you need when backpacking abroad?

Back to top
Travel insurances and insurances for long term abroad - Theme
What is backpack insurance, and why take out specific insurance when you go backpacking abroad?

What is backpack insurance, and why take out specific insurance when you go backpacking abroad?

Back to top

What is backpacking insurance and travel insurance for backpackers?

  • Backpacking insurance for backpackers means that you take out insurance that continues to provide coverage during all your activities abroad and is specifically intended for those who are traveling for a long time, traveling independently, or making frequent use of local transportation.
Back to top

Why should you take out travel insurance specifically for backpacking?

  • Travel insurance for backpacking can provide coverage in the event of an accident or emergency while backpacking.
  • Travel insurance for backpacking can provide coverage for damage and accidents during your adventurous or sporting activities.
  • Travel insurance for backpacking can continue to provide coverage if your Dutch basic health insurance no longer provides coverage, or if the damage is only reimbursed at Dutch cost price.
  • Travel insurance for backpacking can provide coverage in the event of damage, loss, or theft of your luggage while backpacking.
  • Travel insurance for backpacking can provide coverage if you are held liable for damage you cause to other people or their property.
  • Travel insurance for backpacking can provide coverage if you have to return home early because something has happened to you or your immediate family while backpacking.
Back to top

What aspects are important to insure when backpacking abroad?

  • The duration of your trip: so that you are also covered during a very long backpacking trip, or can extend your coverage if you want to stay longer
  • The activities during your trip: so that you can also participate in all kinds of sports and adventure activities that are excluded from travel insurance
  • Coverage of your medical expenses during your trip: so that you are always covered, even if you go to work or if the costs in the event of an accident are higher than the Dutch rate
  • Coverage for natural disasters and war during your trip: so that you don't have to return home immediately with your tail between your legs every time the Dutch government issues negative travel advice
  • Your insurer's specialization: so that your insurer specializes in backpacking trips or long stays abroad, and doesn't treat you like an “all-inclusive sunglasses claimant.”
Back to top

What insurance do you need when backpacking abroad?

Back to top
Travel insurances and insurances for long term abroad - Theme
Staying healthy abroad, healthcare systems and health insurance abroad
What is insurance for working abroad, and why do you need specific insurance if you are going to do paid work?

What is insurance for working abroad, and why do you need specific insurance if you are going to do paid work?

Insurance for working abroad

Back to top

What is insurance for working abroad?

  • Insuring yourself for working abroad means taking out insurance that continues to provide coverage during your paid work abroad.
Back to top

Why take out insurance, and when is normal travel insurance no longer sufficient?

  • There may be several reasons why you need separate insurance for paid work abroad.
  • During your work, local employers generally offer no or limited insurance that does not provide sufficient coverage.
  • The risk of accidents is sometimes greater during your work, for example because you are doing work with which you have little experience or because of the nature of the work.
  • During specific work abroad, additional requirements may apply as soon as you start performing work that involves additional risks. Only special insurance policies offer coverage during this type of work.
  • During work, internships, or volunteer work abroad where you receive a salary or compensation (for example, food or housing), your local health insurance coverage will normally lapse. You will then need special insurance to remain insured for illness and accidents.
  • Standard travel insurance policies generally do not provide sufficient coverage to apply for a work visa or working holiday visa.
  • Standard travel insurance policies generally only cover stays abroad for a limited number of days. If your trip or stay abroad exceeds the maximum number of days, this generally means that there will be no coverage for the entire travel period.
  • Standard travel insurance policies generally only provide coverage for recreational travel without study, internship, or work. If you engage in activities other than recreational activities, this generally means that you will no longer be covered for the entire travel period.
Back to top

What should you pay attention to in your insurance policy if you are going to work abroad?

  • Make sure you have insurance that is valid in the area where you will be traveling and working.
  • Make sure you are adequately insured for the sports and activities you will be participating in.
  • That you are insured for emergency assistance and early return if something happens to you or your immediate family.
  • That your medical expenses are insured up to the actual cost and not just for the standard costs. The costs per medical treatment vary greatly between countries.
  • That you insure your luggage and take sufficient precautions against theft or damage.
  • That you are well insured against personal liability.
  • That you are well insured in case of accidents.
  • That you insure yourself for legal assistance if there is an immediate reason to do so, unless the coverage is already automatically included in the insurance.
  • That you take care to choose the right coverage when working in healthcare, with wild animals, and with dangerous machinery.
Back to top

What insurance do you need to work abroad?

Back to top
International insurance for working abroad or digital nomads
What is insurance for working with animals abroad, and why do you need specific insurance for jobs, internships, and volunteer work abroad?

What is insurance for working with animals abroad, and why do you need specific insurance for jobs, internships, and volunteer work abroad?

Insurance for working with animals abroad

Back to top

What is insurance for working with animals abroad?

  • Insuring yourself for working abroad with animals means taking out insurance that continues to provide coverage during your paid, unpaid, or internship work abroad, where minor or major risks are involved.
Back to top

Why take out insurance, and when is normal travel insurance no longer sufficient?

  • There may be several reasons why you need separate insurance for work abroad.
  • During specific work abroad, additional requirements may apply as soon as you start performing work that involves additional risks. Only special insurance policies offer coverage during this type of work. Almost all standard insurers exclude working with animals from coverage.
  • The risk of accidents is sometimes greater during your work, for example because you are doing work with which you have little experience or because of the nature of the work. All over the world, there are reserves, rescue centers, and zoos where you can roll up your sleeves as a veterinarian, intern, or volunteer. Working with animals or wildlife is not without danger. No matter how cute they may look, or how tame they may behave. All animals can suddenly bite viciously or lash out with a claw or beak. Not only can this result in nasty injuries, but it can also transmit diseases that you would rather not have, and certainly not abroad.
  • During work, internships, or volunteer work abroad where you receive a salary or compensation (for example, food or housing), your local health insurance coverage will normally lapse. You will then need special insurance to remain insured for illness and accidents.
  • During your work, local employers generally offer no or limited insurance that does not provide sufficient coverage.
Back to top

What should you pay attention to in your insurance policy if you are going to work abroad?

  • Make sure you have insurance that is valid in the area where you will be traveling and working.
  • That you have insurance that provides sufficient coverage for the work you will be performing.
  • Make sure you are adequately insured for the sports and activities you will be participating in.
  • That you are insured for emergency assistance and early return if something happens to you or your immediate family.
  • That your medical expenses are insured up to the actual cost and not just for the standard costs. The costs per medical treatment vary greatly between countries.
  • That you insure your luggage and take sufficient precautions against theft or damage.
  • That you are well insured against personal liability.
  • That you are well insured in case of accidents.
  • That you insure yourself for legal assistance if there is an immediate reason to do so, unless the coverage is already automatically included in the insurance.
Back to top

Which insurance do you need for working, an internship, or volunteering with animals abroad?

Back to top
International insurance for working abroad or digital nomads
What is volunteer insurance, and why should you take out specific insurance if you are going to do volunteer work?

What is volunteer insurance, and why should you take out specific insurance if you are going to do volunteer work?

Volunteering abroad with the right insurance

Back to top

What is insurance for volunteering abroad?

  • Insuring volunteer work abroad means taking out insurance that continues to provide coverage while you are working as a volunteer abroad
Back to top

Why should you take out specialized travel insurance for voluntary work abroad?

  • There may be several reasons why you need separate insurance when volunteering abroad.
  • During specific activities abroad, additional requirements may apply if your work involves extra risks. Only specific insurance policies offer coverage during these activities.
  • The risk of accidents is sometimes higher during your work, for example because you are doing work you have little experience with or because of the nature of the work.
  • Local projects or employers generally offer no or limited insurance that provides insufficient coverage during your work.
  • When volunteering abroad and receiving minor financial compensation (or, for example, food or housing), your home country's health insurance coverage will potentially lapse. You will then need special insurance to remain insured for illness and accidents.
  • Regular travel insurance policies generally provide coverage for trips of a limited number of days. If your trip or stay abroad exceeds the maximum number of days, this generally means that for the entire travel period, you will not be covered.
  • Regular travel insurance policies generally only provide coverage for recreational travel without voluntary work activities. If you engage in activities other than recreational activities (such as volunteer work), this generally means that for the entire travel period, you will not be covered.
Back to top

What is important to insure when you are going to work as a volunteer abroad?

  • That you have insurance that is valid in the country or countries where you are going to travel and volunteer.
  • That you are adequately insured for the sports and activities you are going to participate in during your period abroad
  • That you are insured for emergency assistance and early return if something happens to you or your immediate family.
  • That your medical expenses are insured up to the actual cost and not just for the standard costs. The costs per medical treatment vary greatly between countries.
  • That you insure your luggage and take sufficient precautions against theft or damage.
  • That you are well insured against personal liability.
  • That you are well insured in case of accidents.
  • That you only insure yourself for legal assistance if there is an immediate reason to do so, unless coverage is already automatically included in the insurance.
  • That when performing work in healthcare, with wild animals, and with dangerous (agricultural) machinery, you take care to choose the right coverage.
Back to top

What insurance do you need when volunteering abroad?

Back to top
Travel insurances and insurances for long term abroad - Theme
Staying healthy abroad, healthcare systems and health insurance abroad
Why should you take out specialized travel insurance for an internship abroad?

Why should you take out specialized travel insurance for an internship abroad?

Internship abroad with the right insurance

Back to top

What is insurance for an internship abroad?

  • Insuring an internship abroad means taking out insurance that continues to provide coverage during your internship abroad
  • Insurance for internships abroad are also referred to as internship insurance. This internship insurance is specifically for when you go abroad for a long period of time to work as an intern, take courses, or conduct research abroad.
Back to top

Why should you take out specialized travel insurance for an internship abroad?

  • There may be several reasons why you need separate insurance for an internship abroad.
  • During internship activities abroad, additional requirements may apply as soon as you start performing work that involves additional risks. Only specific insurance policies offer coverage during these activities.
  • During your internship, the risk of accidents is sometimes greater, for example because you are doing work with which you have little experience or because of the nature of the work.
  • During your internship, local employers generally do not offer insurance, or offer limited insurance that does not provide sufficient coverage.
  • During an internship abroad where you receive financial compensation (or, for example, food or accommodation), your home country's health insurance coverage will potentially lapse. You will then need special insurance to remain insured for illness and accidents.
  • Regular travel insurance policies generally provide coverage for trips of a limited number of days. If your trip or stay abroad exceeds the maximum number of days, this generally means that for the entire travel period, you will not be covered.
  • Regular travel insurance policies generally only provide coverage for recreational trips without work activities.
Back to top

What is important to insure when you are going to be an intern abroad?

  • That you have insurance that is valid in the area where you will be traveling and doing your internship.
  • That you are adequately insured for the sports and activities you will be participating in.
  • That you are insured for emergency assistance and early return in case something happens to you or your immediate family.
  • That your medical expenses are insured up to the actual cost (what it actually costs), and not just for the standard costs. The costs per medical treatment vary greatly between countries.
  • That you insure your luggage and take sufficient precautions against theft or damage.
  • That you are well insured against personal liability and, preferably, also for liability during your internship.
  • That you are well insured in case of accidents.
  • That you insure yourself for legal assistance if there is an immediate reason to do so, unless the coverage is already automatically included in the insurance.
  • Make sure you choose the right coverage for internship work in healthcare, with wild animals, or with dangerous machinery!

Check out more about international insurances

Back to top
Travel insurances and insurances for long term abroad - Theme
Staying healthy abroad, healthcare systems and health insurance abroad
What is insurance for studying abroad, and why should you take out specialized travel insurance for your education abroad?

What is insurance for studying abroad, and why should you take out specialized travel insurance for your education abroad?

Studying abroad with the right insurance

Back to top

What is insurance for studying abroad?

  • Insurance for studying abroad means that you take out insurance that continues to provide coverage during your studies, your education, and your related activities abroad.
  • Insurance for studying abroad is also referred to as study insurance. This study insurance is specifically for when you go abroad for a long period of time to take courses, study, or conduct research abroad.
Back to top

Why should you take out specialized travel insurance for a study abroad?

  • Study insurance is specifically designed for studying abroad, whereas regular travel insurance policies may offer coverage on paper but handle this situation differently in practice.
  • Study insurance offers coverage for longer stays than regular (vacation) travel insurance.
  • Study insurance is also suitable for many types of activities, ranging from various sports to hiking at high altitudes.
  • Study insurance continues to provide coverage if you start working during your trip, whether planned or unplanned. If you have not taken out insurance before departure that allows you to work, there is no guarantee that you will be able to take out insurance abroad that provides coverage.
  • Study insurance continues to provide coverage if your own country's health insurance no longer provides coverage.
  • Student insurance also covers your healthcare costs above the rates in your own country; with regular insurance, you have to pay the extra costs yourself.
  • Student insurance can also continue to provide coverage if (study) visa issuers impose additional requirements on how you insure yourself, for example if you are going to the US and applying for a J-1 visa.
  • Student insurance continues to provide coverage if you are staying abroad for a longer period of time and want to visit your own country in between.
Back to top

What is important to insure when you are going to study abroad?

  • That you have insurance that is valid in the country or countries where you are going to travel and work.
  • That you are adequately insured for the sports and activities you are going to participate in during your period abroad
  • That you are insured for emergency assistance and early return if something happens to you or your immediate family.
  • That your medical expenses are insured up to the actual cost and not just for the standard costs. The costs per medical treatment vary greatly between countries.
  • That you insure your luggage and take sufficient precautions against theft or damage.
  • That you are well insured against personal liability.
  • That you are well insured in case of accidents.
  • That you only insure yourself for legal assistance if there is an immediate reason to do so, unless coverage is already automatically included in the insurance.
  • That you pay close attention to choosing the right coverage when performing work alongside your studies.

Check out more about international insurances

Back to top
Travel insurances and insurances for long term abroad - Theme
Staying healthy abroad, healthcare systems and health insurance abroad
What is an expat insurance or emigration insurance, and why specifically take out insurance if you are going to do move abroad?

What is an expat insurance or emigration insurance, and why specifically take out insurance if you are going to do move abroad?

Take out insurance if you are going to do move abroad as expat or emigrant?

Back to top

What is an expat insurance?

  • Expat insurance is insurance that continues to provide coverage if you go to work abroad for a local or international employer for an extended period of time.
  • Expat insurance is not only intended for expats, but for anyone who has a more permanent job abroad.
Back to top

What is an emigration insurance, or insurance for moving and living abroad?

  • Emigration insurance is an insurance that continues to provide coverage if you move abroad permanently or for an indefinite period of time.
  • Emigration insurance is not only intended for emigrants, but for anyone who leaves their home country for an extended period of time and does not intend to return in the foreseeable future.
Back to top

Why should you take out specialized insurance for emigration or working as an expat abroad?

  • Emigration or expat insurance not only provides coverage for acute assistance in the event of illness or accident abroad, such as travel insurance, but can also provide coverage for existing conditions and ailments or non-urgent care.
  • Emigration or expat insurance does not require you to maintain valid health insurance in your home country.
  • Emigration or expat insurance provides coverage for preventive care or costs related to pregnancy and childbirth.
  • Emigration or expat insurance also provides coverage for long-term treatments and chronic conditions without you having to return to your home country.
  • Emigration or expat insurance often has no restrictions on the duration of the insurance, unlike travel insurance.
  • Emigration or expat insurance usually maintains coverage in cases such as negative travel advice or acts of war.
  • Emigration or expat insurance offers various solutions in the areas of disability, home and household insurance, goods transport, and liability.
Back to top

What is important to insure when you are going to move abroad?

  • That you have insurance that is valid in the country or countries where you are going to live and/or work.
  • That you are adequately insured for the sports and activities you are going to participate in during your period abroad
  • That you are insured for emergency assistance and early return if something happens to you or your immediate family.
  • That your medical expenses are insured up to the actual cost and not just for the standard costs. The costs per medical treatment vary greatly between countries.
  • That you are well insured against personal liability.
  • That you are well insured in case of accidents.
  • That you pay close attention to choosing the right coverage when performing work with additional health risks
Back to top

When can you also live abroad for a longer period of time with travel insurance?

  • There are also special expiring travel insurance policies that provide coverage without you having valid health insurance in your home country, however, these travel insurance policies are not intended for emigration or expats, but for stays outside your home country of up to a few years, for study, temporary work, volunteer work, and longer trips.
  • See the information at International Insurances for backpacking and travel abroad
Back to top

What insurance do you need for emigration or working as an expat abroad?

Back to top
Travel insurances and insurances for long term abroad - Theme
Staying healthy abroad, healthcare systems and health insurance abroad
International insurance through JoHo Insurances and JoHo WorldSupporter

International insurance through JoHo Insurances and JoHo WorldSupporter

Image

Table of content

  • Why should you take out insurance through the JoHo Foundation when you go abroad?
  • Insuring activities abroad:
    • internships, studying, volunteer work or paid work
    • backpacking, holiday, travel or round the world
    • emigration, living abroad, working as expat
  • Insurances for abroad: per insurance 
  • Insurances for abroad: per organization
  • How healthcare works
......Read more on this page
Insuring, troubleshooting and safe travel abroad

Insuring, troubleshooting and safe travel abroad

Image

Insuring and taking care abroad

Table of contents
  • Why get specific insurance when going abroad?
  • How to survive disasters abroad ?
  • How to insure activities abroad?
  • Which Insurances apply for internships, staying, studying, volunteer work or paid work abroad?

Image

Reading & Remembering

Togo: Updates & Travel

Togo: Updates & Travel

Back to top

Travel in Togo

  • A country in West Africa that is still relatively unknown to many travelers, but is so full of culture and history that it is an absolute must to visit. Enjoy the warm sun and the beautiful ocean, take a boat trip on Lake Togo, visit the old colonial villages and delve into the history of slavery or head north and see beautiful unique tatas (castle houses) of the Tamberna or experience the other special cultures and wild nature.
  • Lomé is the capital of Togo and has beautiful beaches, various markets, cozy restaurants, beautiful and interesting museums, and much more.
  • The Grand Marche in Lomé. At this large market you can buy everything you want, from food to clothing to accessories and art.
  • Aného: the Germans had assigned Aného as the first capital before Lomé was chosen as the capital. In Aného you can still see many colonial houses and that brings the former slave trade a little closer.
  • Tamberma valley is a village located further north in the country, close to the city of Kara. Tamberma valley is known for its typical houses with bright colours and unique shapes and its special culture. An absolute must!
  • Slave house of Togo: A short 45 minute drive from Lomé to Agbodrafo is an old slave house where slaves were kept and sold, and where slave owners lived. You can visit this historical place to gain a deeper understanding of the history of the country.
  • Be prepared of the crime(rate) in Togo. Robberies and violent assaults occur.
Back to top

Updates Togo

  • More about Togo, updates and contributions, see the link below.
Back to top
Togo: selection of contributions by WorldSupporters - Bundle

Togo: selection of contributions by WorldSupporters - Bundle

Content about Togo shared by WorldSupporters

Welk visum regelen voor een reis of vrijwilligerswerk naar Togo?

Welk visum regelen voor een reis of vrijwilligerswerk naar Togo?

Image

Toeristenvisum

Een toeristenvisum is verplicht voor Togo. Een 7-daags visum kun je krijgen bij de grote grensovergangen en deze kan verlengd worden tot maximaal 4 weken bij het immigratiebureau in Lomé (check van tevoren even of dit nog kan, want regels wijzigen regelmatig). Een visum voor maximaal 1 maand (enkele inreis) of 3 maanden (meerdere inreizen) kan aangevraagd worden bij de ambassade in Brussel ook deze kan waarschijnlijk nog met een maand verlengd worden. Van tevoren aanvragen is handiger, aangezien aanvragen aan de grens lang kan duren net als verlengen. Bewijs van vaccinatie tegen gele koorts, hotelboeking en een retourticket zijn hierbij verplicht.

Vrijwilligersvisum

Als je vrijwilligerswerk wilt doen in Togo, kan je het beste van te voren een toeristenvisum voor 3 maanden aanvragen bij de ambassade in Brussel. Deze kan opnieuw worden aangevraagd voor nog 3 maanden als je het land verlaat naar Ghana, om vervolgens na een paar dagen een nieuwe visum aan te kunnen vragen. Het is altijd goed om je van te voren even te laten informeren bij de ambassade, omdat regels over visums en de status van de veiligheid in het land ook nog wel eens kunnen veranderen.

Actuele informatie

Check altijd de meest actuele informatie bij de Ambassade van de Republiek van Togo (zie link).

Togo Country Bundle: suggestions, stories and tips
Going abroad?

Image

Related topics and terms

Related regions:
Related countries and regions:
Check more: JoHo.org
Naar Togoreizen om te backpacken, te studeren, stage te lopen, vrijwilligerswerk te doen, te werken, te leven als digital nomad of emigrant
Reizen door, wonen in of emigreren naar Togo

Image ACTIVITIES

Check courses, jobs, projects, recipes, suggestions and tips related to: 'Togo'

CHECK MORE ACTIVITIES

Make a selection, to find more tips than you see below

Image Ontdek de pareltjes van West-Afrika onder begeleiding van lokale gidsen
Stel samen met deze kleinschalige organisatie een reis samen of laat je verrassen tijdens een groepsreis. Mogelijkheden in diverse landen van West-Afrika met opties voor...
Image Volg een taalcursus in Lomé om het contact met de lokale bevolking te verbeteren
Volg een taalcursus in Lomé om het contact met de lokale bevolking te verbeteren.
Image Practice your French skills and combine nature conservation with small-scale organic farming on a farm in West Africa
Practice your French skills and combine conservation with small-scale organic farming on a farm in Western Africa. Some farms and projects will only speak French! Help...
Image Samen met de lokale bevolking kun je meehelpen met de renovatie van een schoolgebouw
Samen met de lokale bevolking kun je meehelpen met de renovatie van een schoolgebouw.
Activities abroad: home bundle

Main content and contributions for activities abroad

,,,accommodations, adventure activities, courses, internships, jobs and volunteer projects

...to help another, travel with care, work together , learn to share and inspire with your experience

 

Activities abroad: home page

Activities abroad: home page

From language courses to gap year abroad, from work experience to volunteering abroad, from paid work to internship abroad, from mountaineering to diving and from backpacking to travel around the world

Activities abroad

    Back to top

    What social activities can you do abroad?

    • Opportunities are found in the areas of helping, learning or studying. You can get involved to volunteer in a social project at a school in Africa, Asia or Latin America. You can get involved in nature, in a project with animals or cleaning the sea or beaches. Those who want to learn more can choose for example a language course in Latin America, Spain or South Africa.
    Back to top

    What work related activities can you do abroad?

    • If you want to gain work experience, and/or also earn money, go and work abroad. You can combine backpacking in Australia with temporary work. You can work on campsites in Europe or bush camps in Africa. You can pretty much go all over the world to work in the hospitality industry, hotels and hostels, in the healthcare sector or for example at a diving school.
    Back to top

    What sports activities to do abroad?

    • Have you ever thought of mountain biking, rafting (going down a wild river on a raft or rubber dinghy, climbing or canoeing), survival (which involves building rafts, climbing or canoeing), abseiling (descending a rock face while secured to ropes), zip-lining (whizzing down a cable), canyoning (starting at the top of a river and then climbing, swimming, diving down the bed) or caving (scrambling, wriggling and crawling through caves and crevices)?
    • Maybe you feel more comfortable on a bodyboard (on a half-wave surfboard, you surf the high waves lying down-with flippers), on a hang glider or while paragliding (with a parachute you float down a mountain or dune), hydrospeeding (on a bodyboard with flippers and a wetsuit on you go down a wild river via rapids) or Tiefschneeskiing (racing down through powder snow)?

    Check the pages below for more activities and inspiration and where to go and how to arrange it

      Back to top
      Activities abroad: for experiencing countries and cultures abroad

      Activities abroad: for experiencing countries and cultures abroad

      Bundled content for experiencing countries and cultures during gap year, travel and backpacking abroad

      Access: 
      Public
      Activities abroad: for languages courses and learning a language

      Activities abroad: for languages courses and learning a language

      Bundled for languages courses and learning a language

      Access: 
      Public
      Activities abroad: for sports, adventure and outdoor abroad

      Activities abroad: for sports, adventure and outdoor abroad

      Bundled content for sports, adventure and outdoor during travel, gap year and backpacking abroad

      Access: 
      Public
      Activities abroad: for intern, volunteer and work abroad per sector

      Activities abroad: for intern, volunteer and work abroad per sector

      Intern, volunteer or work abroad per sector

      Access: 
      Public
      Themes: home bundles per activity abroad

      Themes: home bundles per activity abroad

      Themes: main theme pages for emigration, moving and living abroad
      Activiteiten in het buitenland: startbundel

      Activiteiten in het buitenland: startbundel

      Worldsupporter: home pages and bundles

      Worldsupporter: home pages and bundles

      Image STORIES

      Check blogs, experiences and information related to: 'Togo'

      CHECK MORE STORIES

      Make a selection, to find more blogs and contributions than you see below

      Image How does healthcare work in Togo, and what travel insurance, health insurance or expat insurance do you need?
      How does the healthcare system work in Togo, and which insurance do you need? What is the quality of healthcare in Togo? How does the public healthcare system work in...
      Image Welk visum regelen voor een reis of vrijwilligerswerk naar Togo?
      Toeristenvisum Een toeristenvisum is verplicht voor Togo. Een 7-daags visum kun je krijgen bij de grote grensovergangen en deze kan verlengd worden tot maximaal 4 weken...
      Image Togo: Updates & Travel
      Travel in Togo Updates Togo Back to top Travel in Togo A country in West Africa that is still relatively unknown to many travelers, but is so full of culture and history...
      Countries & Destinations: home bundle

      Bundled content, suggestions, stories and tips about the countries and destinations in the world

      ...to help another, travel with care, work together , learn to share and inspire with your experience

      Africa: country bundles

      Africa: country bundles

      Access: 
      Public
      Asia: country bundles

      Asia: country bundles

      Country bundles of Asian countries

      Access: 
      Public
      Central America: country bundles

      Central America: country bundles

      Europe: country bundles

      Europe: country bundles

      Country bundles of European countries

      Access: 
      Public
      Middle East: country bundles

      Middle East: country bundles

      Country bundles of the Middle East

      Abu Dhabi, Dubai & United Arab Emirates - Bahrain - Egypt - Iran - Iraq - Israel - Jordan - Kuwait - Lebanon - Qatar - Saudi Arabia - Syria - Turkey - Yemen

      Access: 
      Public
      North America: country bundles
      Oceania & The Pacific: country bundles

      Oceania & The Pacific: country bundles

      The Australia & Oceania/Pacific continent consists of many small island countries and islands territories.

      List of countries:

      • Antarctica (continent)
      • Australia
      • Fiji
      • Kiribati
      • Marshall Islands
      • Micronesia
      • Nauru
      • New Zealand
      • Palau
      • Samoa
      • Solomon Islands
      • Tonga
      • Tuvalu
      • Vanuatu
      Access: 
      Public
      South America: country bundles

      South America: country bundles

      South America: country bundles

      Access: 
      Public
      The Caribbean: country bundles

      The Caribbean: country bundles

      Country bundles of Caribbean countries

      Access: 
      Public
      Countries: habits, food customs and philosophies per continent and country in the world

      Countries: habits, food customs and philosophies per continent and country in the world

      Countries: how to see happiness from the eyes of another country and continent

      Countries: how to see happiness from the eyes of another country and continent

      Countries: emigration, moving and living abroad: per continent and country

      Countries: emigration, moving and living abroad: per continent and country

      Countries: the worst time to go abroad and the best time per country or region

      Countries: the worst time to go abroad and the best time per country or region

      Image ORGANIZATIONS

      Check sectors and organizations related to: 'Togo'

      CHECK MORE ORGANIZATIONS

      Make a selection, to find more or other organizations than you see below

      Image STAESA: Students Travel and Exposure solidarity Africa
      STAESA: Students Travel and Exposure solidarity Africa provides unique programs for international volunteers and interns to touch live in Africa and impact local...
      Image SIW: Vrijwilligerswerk in 70 landen
      SIW is een Nederlandse vrijwilligersorganisatie die Nederlandse vrijwilligers naar projecten over heel de wereld zendt, en buitenlandse vrijwilligers op diverse...
      Image Fair2travel - Fair2do - Fair2work
      Fair2 bestaat uit Fair2travel, Fair2do, Fair2work en Fair2biz. Gezamenlijk focust de organisatie zich op duurzaam reizen, vrijwilligerswerk en sociaal ondernemen.
      Organizations & Services: home bundle

      Bundled content, suggestions, stories and tips about organizations and their products and services

      ...to help another, travel with care, work together, learn to share and inspire with your experience

      Organizations: home page
      Organizations in the spotlight: home bundle

      Organizations in the spotlight: home bundle

      Organizations in the spotlight: home bundle

      Access: 
      Public
      Organizations for administrative, tax and legal work and consulting

      Organizations for administrative, tax and legal work and consulting

      international law

      Activities, internships, paid work, services or volunteer work in administration, tax and legal consulting

      Administrative, tax and legal consulting abroad: by position

      For job roles and duties related to activities, internships and jobs abroad, see:
      ......Read more on this page
      Organizations: for agriculture, grape picking, farming and vineyards
      Organizations: for animal protection, animal care and working with wildlife abroad
      Organizations: for au pairs, youth work and child care abroad
      Organizations: for bush camping and working at a campsite abroad
      Organizations: for catering, hospitality and entertainment abroad
      Organizations: for civil society and social work abroad
      Organizations for corporate business services

      Organizations for corporate business services

      Image

      Activities, internships, paid work, services or volunteer work in corporate business services

      Corporate business services abroad: by position

      For job roles and duties related to activities, internships and jobs abroad, see:
      ......Read more on this page
      Organizations: for customer services abroad and help desks
      Organizations: for diving, snorkeling and water sports abroad
      Organizations: for education and schools abroad
      Organizations: for expatriate insurances, travel insurances, and emergency call centers
      Organizations: for gap year activities abroad and sabbaticals
      Organizations: for internship placement abroad
      Organizations: for insurances and finance abroad
      Organizations for IT, engineering and construction

      Organizations for IT, engineering and construction

      Image

      Activities, internships, paid work, services or volunteer work in IT, webdevelopment, engineering and construction

      IT, engineering and construction abroad: by position

      For job roles and duties related to activities, internships and jobs abroad, see:
      ......Read more on this page
      Organizations: for language travel and language teaching abroad
      Organizations for marketing, communication and PR abroad

      Organizations for marketing, communication and PR abroad

      Image

      Activities, internships, paid work, services or volunteer work in marketing and communication

      Marketing, communication and PR abroad: by position

      For job roles and duties related to activities, internships and jobs abroad, see:
      ......Read more on this page
      Organizations: for mediation in au pairs, childcare and elderly care in the Netherlands
      Organizations for moving, international relocation and transport abroad

      Organizations for moving, international relocation and transport abroad

      Image

      Activities, internships, paid work, services or volunteer work in transport and international relocation

      Moving abroad and relocation services abroad: by position

      For job roles and duties related to activities, internships and jobs abroad, see:

      Moving abroad and relocation

      ......Read more on this page
      Organizations for nature conservation, environmental protection and working in nature abroad

      Organizations for nature conservation, environmental protection and working in nature abroad

      Costa Rica rain forest - Jungle

      Activities, internships, paid work, services or volunteer work in environmental protection, sustainability and nature conservation

      Nature conservation and environmental protection abroad: by position

      For job roles and duties related to activities, internships and jobs abroad, see:
      ......Read more on this page
      Organizations: for nonprofit projects, development work and international cooperation
      Organizations: for online work as digital nomad, freelancer, or independent entrepreneur from abroad
      Organizations: for outdoor activities and sports
      Organizations: for paid employment abroad and international recruitment

      Organizations: for paid employment abroad and international recruitment

      Organizations: for providing accommodation and hospitality work in hotels, guesthouses, ecolodges and hostels abroad

      Organizations: for providing accommodation and hospitality work in hotels, guesthouses, ecolodges and hostels abroad

      Image

      Activities, internships, paid work, services or volunteer work in hotels, resorts, guesthouses, ecolodges, bed and breakfasts and hostels abroad

      Working in hospitality and tourist accommodations abroad: by position

      For job roles and duties related to activities, internships and jobs abroad, see:
      ......Read more on this page
      Organizations: for providing healthcare and working in medical care abroad

      Organizations: for providing healthcare and working in medical care abroad

      Image

      Activities, internships, paid work, services or volunteer work in healthcare

      Providing healthcare and working in medical care abroad: by position

      For job roles and duties related to activities, internships and jobs abroad, see:
      ......Read more on this page
      Organizations: for psychological assistance and mental health care abroad

      Organizations: for psychological assistance and mental health care abroad

      Image

      Activities, internships, paid work, services or volunteer work in psychological assistance, coaching and mental health care abroad

      Psychological assistance, coaching and mental health care abroad: by position

      For job roles and duties related to activities, internships and jobs abroad, see:
      ......Read more on this page
      Organizations: for real estate, brokerage abroad and property rental abroad
      Organizations: for research and scientific work abroad

      Organizations: for research and scientific work abroad

      Image

      Organizations: for research, R&D, data collection, data analysis and scientific work abroad

      Activities, internships, paid work, services or volunteer work in research and science

      From R&D to data collection and data analysis

      Research and science abroad: by position

      For job roles and duties related to activities, internships and jobs abroad, see:
      ......Read more on this page
      Organizations: for student support and student associations
      Organizations: for tour guidance and adventure tours abroad
      Organizations: for tourism and organized travel and leisure work abroad
      Organizations: for voluntary work mediation and project placement abroad
      Organizations for yacht and shipping crew and working on a cruise ship abroad

      Organizations for yacht and shipping crew and working on a cruise ship abroad

      Image

      Activities, internships, paid work, services or volunteer work on cruise ships, sailing yachts and other ships

      Boat crew, deck hand or working for an international shipping organization

      Working on a yacht or cruise ship abroad: by position

      For job roles and duties related to activities, internships and jobs abroad, see:
      ......Read more on this page

      Image SUMMARIES

      Check summaries and study assistance related to: 'Togo'

      CHECK MORE SUMMARIES

      No results found.

      Image ALL CONTENT

      Search all related content within the topic: 'Togo'

      ALL CONTENT WITHIN TOPIC

      Select any filter and click on Apply to see results

      Image

      SPOTLIGHT & FAVORITES

      FAVORITES
      Icon Welk visum regelen voor een reis of vrijwilligerswerk naar Togo?
      Image

      Toeristenvisum Een toeristenvisum is verplicht voor Togo. Een 7-daags visum kun je krijgen bij de grote grensovergangen en deze kan verlengd worden tot maximaal 4 weken bij het immigratiebureau in Lomé (check van tevoren even of dit nog kan, want regels wijzigen regelmatig). Een visum voor ma...

      Icon STAESA: Students Travel and Exposure solidarity Africa
      STAESA: Students Travel and Exposure solidarity Africa

      STAESA: Students Travel and Exposure solidarity Africa provides unique programs for international volunteers and interns to touch live in Africa and impact local communities positively. Projects in several African countries, also less common volunteer destinations as Togo, Benin and Cote d'Ivor...

      Image

      TOPICS : check associated topics and more activities

      Check more: activities in WorldSupporter
      Go abroad!

      Move or live abroad? check your options with The JoHo Insurance Foundation

      Study or travel abroad? check your insurance options with The JoHo Foundation

      Naar het buitenland (NL)?: Je vertrek voorbereiden of je verzekering afsluiten bij studie, stage of onderzoek in het buitenland

      Page topic

      Stories, tips and experiences from Togo

      Submenu & Search

      Search only via club, country, goal, study, topic or sector