Funny Reason #1 - You Might Get Mugged By a Monkey 

Probably the number one fear of Nigerians traveling abroad is that they're going to get mugged, and luckily travel insurance covers any related costs. In fact, travel insurance covers everything from replacing the cash in your wallet to any therapy required to recover from the shock of being mugged by a monkey. This can sure help you enjoy your trip more, knowing that you don't have to defend your traveler's checks with your life.