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NECO 2022 Agric Science Questions & Answers | Essay & OBJ

Get free live 2022 neco june/july verified agricultural science (agric) obj & theory questions and answers free of charge | neco june/july free agric science (objectives and theory) questions and answers expo room (29th july, 2022).neco june/july 2022 free agricultural science (agric) question and answer room  friday 29th july 2022agricultural science (objective & essay)10:00am – 12:30pm.

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Neco Agric 2022 Answers 29th July 2022

Paper III & II: Objective & Essay – Agricultural Science – 10:00am – 12:30pm: Good morning Teachers and Students, 2022 Neco Agricultural Science Questions and Answers are available now, subscribe with us now to get the 100% verified and correct Christian Religious Studies questions and answers.

Friday 29th July 2022

  • Paper III & II: Objective & Essay – Agricultural Science – 10:00am – 12:30pm

================================= AGRIC OBJ 1ACBADEBDDC 11EAADACCCEB 21CBCDBBCDDC 31BDBDCBCAAC 41ABDADCABDD 51AEBEEDAAEB COMPLETED!!! ================================= AGRIC ESSAY INSTRUCTIONS: Answer At least One (1) Question From Each Section. One (1) Question Each From SECTION A,B,C,D & E ************* SECTION A (2a) Agriculture can be defined as the art and science of cultivating soil, producing crops and raising of animals for the benefit of humanity. Agriculture can also be defined as the practice of growing crops or raising animals OR Agriculture is the science and art of cultivating plants and live stocks. (2b) {PICK ANY SIX} (i) Agricultural Research Council of Nigeria. (ii) Institute for Agricultural Research. (iii)nInstitute of Agricultural Research & Training. (iv) International Institute of Tropical Agriculture. (v) NAERLS. (vi) NCRI. (vii) NIFFR. (viii) NSPRI Ilorin. (2c) (i) Start with a visual inspection of your small farm tractor. (ii) Check the tractor’s radiator-fluid level. (iii) Check the fan’s drive belt for wear and tension, and visually inspect the radiator core and grill screen. (iv) Top off the tractor’s fuel tank. (v) Check the tractor’s oil. (2d) {PICK ANY THREE} (i) Health of the animal/diseases (ii) Food intake (iii) Breed of the animal/genetic make-up (iv) Weight of the animal (v) Age of the animal (vi) Poor management of the animal (vii) Harness used for hitching (viii) Sex of the animal (ix) Training given to the animal (x) Climate/environmental (xi) factors Pests ************* SECTION B (4ai) Sandy Soil. (4aii) Clay Soil. (4aiii) Clay/Loamy Soil. (4aiv) Loamy Soil. (4b) (i) Tillage Practices. (ii) Deforestation. (iii) Overgrazing. (iv) Bush Burning. (4c) (i) Carbondioxide is lost in the atmosphere mainly by photosynthesis during which plants use it to manufacture their own food. (ii) By Direct air Capture. (iii) Carbon mineralization. (4d) (i) It makes the farm more prone to hazard lds, e.g. falling into an open drain. (ii) It is expensive and difficult to establish. (iii) They are prone to gully erosion. (iv) They hinder the passage of machine like tractor. (v) It occupies good land (space) that could have been used for planting. ************* SECTION C (5a) {PICK ANY THREE} (i) Forest Regulation. (ii) Selective Exploration. (iii) Deforestation. (iv) Regeneration. (v) Afforestation. (5b) {PICK ANY THREE} (i) The chemical used may be toxic to man and domestic animals. (ii) Pests and diseases may develop resistance yo chemicals. (iii) Empty containers could be a source of poisoning when used as containers for consumables. (iv) Some beneficial insects and soil organisms may not be destroyed. (5ci) Cocoa is a humid tropical crop. Grows best in areas with 1140mm – 2000mm annual rainfall, well distributed most of the year. Temperature requirements not below 17°C. (5cii) (i) By Seeds. (ii) By Budding. (iii) By Stem Cutting. (5ciii) Nursery is done October to January. Field (transplanting) between April and June. (5civ) 20cm X 20cm. (5cv) {PICK ANY TWO} (i) Breaking of Pods. (ii) Fermentation. (iii) Drying. (iv) Storage. (5d) {PICK ANY FOUR} (i) Reduce land value. (ii) Reduce the quality of crop products. (iii) Increased cost of harvesting. (iv) Weeds cause losses in crop yields. (v) Certain weeds are poisonous and hence kill animals that feed on them. ************* (6a) {PICK ANY FOUR} (i) To increase resistance to diseases. (ii) To increase resistance to pests. (iii) To meet the needs of growers. (iv) To improve the quality of produce. (v) To increase yield. (6b) {PICK ANY THREE} (i) Persistence. (ii) Aggressiveness. (iii) Resistance im Trampling. (iv) Resistance in Drought. (v) Pests and Diseases. (vi) Accurate Stocking. (6ci) {PICK ANY TWO} (i) Established private horticulture gardens. (ii) Higher institutions’ botanical garden. (iii) Private houses and offices. (iv) Resort or Recreational centers. (6cii) {PICK ANY THREE} (i) Provision of Shade. (ii) Regular Watering. (iii) Regular Weeding. (iv) Regular Pruning. (v) Fencing. (6di) Fungus (Phytophthora spp) (6dii) {PICK ANY ONE} (i) Rotten of the bark near the ground. (ii) Drying and cracking of bark. (6diii) (i) By Air. (ii) Through the soil. (6div) {PICK ANY ONE} (i) Use resistant varieties. (ii) Spray with appropriate fungicides. (iii) Paint the trunk with crude cabolic and water. ************* SECTION D (7a) (i) Prophylactic application of Anticoccidials (ii) Vaccine (iii) Poultry house management (7b) (i) Dental Disease: Rabbits with dental disease will often drool, stop eating, stop passing stool, and develop secondary GI stasis. (ii) Uterine Tumors: Un-spayed female rabbits often initially develop benign changes in their uterine endometrium (lining) that progress to malignant cancer over time. (iii) Respiratory Tract Infections: Rabbits are obligatory nasal breathers, meaning they must breathe through their noses and cannot breathe well through their mouths. They commonly get respiratory tract infections that can affect both their upper airways (nose and trachea) and lower airways (lungs). (7c) (i) There is no need of maintenance of breeding bull for a herd; hence the cost of maintenance of breeding bull is saved. (ii) It prevents the spread of certain diseases and sterility due to genital diseases’: contagious abortion, vibriosis. (iii) By regular examination of semen after collection and frequent checking on fertility make, early detection of interior males and better breeding efficiency is ensured. (7d) (i) Deweeding of the pond (ii) Regular feeding. (iii) Constant supply of water. (iv) Regular harvesting of matured fish. ************* SECTION E (9a) {PICK ANY TWO} (i) It helps the entrepreneur to determine the best proportion to combine the various factors of production. (ii) It enables him to determine the wages he will pay to his workers. (iii) It enables him to minimise cost and avoid wastage of resources in order to make profit. (9b) {PICK ANY THREE} (i) Central Banks (ii) Commercial Banks (iii) Acceptance Houses (iv) Nonbank financial institutions (v) Bill Brokers (vi) fund managers (vii) institutional investors (9c) {PICK ANY THREE } (i) Skilled personnel, at both the managerial and operational levels, are scare. (ii) Lack of adequate information. Farmers need to be convicted to the benefits of insurance before they accept it. (iii) Uncertainty of weather conditions. (iv) Some losses due to natural disaster which is known as an act. (v) Reinsurance for agricultural risks is not easily available. (9di) (i) To increase food production. (ii) To popularise agriculture. (9dii) (i) To encourage large-scale farming. (ii) To establish River Basin Authorities to boost the supply of water for irrigation purposes. (9diii) (i) To stimulate small rural farmers to increase their productivity and improve their standard of living. (ii) To check land tenure system (9e) {PICK ANY TWO} (i) It gives and obtains information that with be useful to farmers and/or researchers. (ii) It can only work for small group of farmers. (iii) More attention is given to the individual farmers than any other method. (iv) It may involve the use of telephone which makes information dissemination faster. ************* (10a) (i) Poor Management: The senior officials of these cooperatives on the average lack business experience. Their managerial skills are low and thus reduces the efficiency of the cooperatives. (ii) Illiteracy: These societies are usually made up of ordinary people who want to get better deals. The members are mostly illiterates and create so many problems for the societies without even realising it. (iii) Lack of Cooperation: Since the members are made up of people from different backgrounds and with different experiences, there is usually a lack of cooperation since people have different views of things. (10b) (i) Organisational Ability (ii) Clear Judgement (iii) Initiative (iv) Excellent public speaking skills (10c) (i) Farm Gate (ii) Wholesale Markets (iii) Retail Markets (iv) Distributors (10d) (i) SALES ACCOUNT: It is also called sales and receipt account. It shows the details of farm produce sold (type of produce, quantity, date sold, to whom, and at what price) (ii) PURCHASE ACCOUNT: It is also known as purchase and expenses account. It shows in details, all items purchased and used during the production period. The detail includes inputs name, date purchased, quantity, cost per unit and from whom. (iii) FARM VALUATION: Farm valuation is carried out in order to get a time value of the farm. It involves the complete listing of assets and their values. Farm valuation carried out at the beginning is called opening valuation while that carried at the end is known as closing valuation. Every valuation must be based on the market value or production cost. The value of each item in stock is estimated. Changes in the value of the farm should be included to get the true value of the farm profit and loss (iv) CASH ANALYSIS ACCOUNT: It shows the income and expenditure of a farm over a given period of time. In preparing this account, sales and receipts are recorded on the debit side(containing columns for date, name, and details or particulars) while purchases and payment are entered on the credit side(purchase and expenses). ************* COMPLETED!!! ================================= ================================= ================================= ================================= Answers loading… We are Expobite! Tell your friends about this website. Thank you for choosing Expobite!!!

Neco Agricultural Science Answers 2022: Neco Agricultural Science Objective & Essay Answers 2022 for 29th July 2022 with questions 100% verified official questions and answers for senior secondary schools. NECO Agricultural Science Questions and Answers 2022 (%100 Sure, NECO Agricultural Science Questions, and Answers 2022

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PAST ANSWERS

INSTRUCTIONS: Answer Only One (1) Question from this Section.

(1) A Defective Education System; The Nigeria’s education system does not prioritize reading for general acquisition of knowledge rather it prioritizes reading for passing examinations. Most students read to pass examination. Some students have even resorted to cramming in order to pass examinations. To make matters worse, some teachers want their students to write verbatim in examination. This is a wrong approach to reading and does not help one or a society to develop. The implication is that the students will pass the exams very well but the knowledge is not there, because a few minutes after exams they can’t answer same question.

Libraries; Some actually have a building that is labelled “library” but without books and library personnel. Some libraries are stocked with outdated books or reading materials. Most students do not go to libraries these days to read or do their assignments. Some go there to write or copy notes, which ordinarily should not be the main reason.

Poor quality teachers; This is quite pathetic considering the fact that to a large extent, the quality of the teachers determines the quality of the students. Teachers are role models to their students, if teachers cannot read fluently how can the students?

Poverty; Poverty is also responsible for the prevailing poor reading culture in Nigeria. Developing a reading culture is more than buying and reading just a book, and reading repeatedly. It costs a lot of money to buy books. Some parent cannot afford school fees, let alone buying books for their children to read. Where one does not have books to read, developing a reading culture becomes difficult. Some therefore make the decision to indulge in examination mal-practice as the only way.

The above mentioned factors can be solved through the following ways.

Government; Government at all levels should promote a good reading culture by establishing standard public libraries because not everybody has access to school libraries. In most cases, school libraries are highly restricted to students. Also, not all schools have functional libraries. Therefore, the establishment of public libraries will help those who are not in school and students whose schools do not have functional libraries.

Qualified teachers; government should employ qualified teachers to teach. If those who are not well educated are certified and employ this will not give the desired result for the future, government can also organize workshop, and trainings for it teachers.

Schools; School should make it compulsory for students to go to the library to do some readings or assignment. Schools should create a reading hour on the timetable, organize reading competitions, and especially inter-school competitions.

Parents; Parents needs to encourage their children to develop a positive attitude toward reading. To this end, parents should include in their budget reading materials for their children.

The students; Students must prioritize reading by developing a positive attitude towards it. They should see reading as natural as play, make it a hobby, and devote their time to reading good books. All hands must be on deck for a good reading culture to be promoted among Nigerian students. The Parents, the students, the teachers and the Government must play their roles in ensuring that this is done. The students must not be lazy; they must be ready to read at all times

(3) A1 Int’l School, Ikeja, Lagos, Nigeria. 27th July, 2022.

The Honorable, South local Government office, Ikeja Lagos, Nigeria.

LETTER TO CONGRATULATE ON BECOMING A CHAIRMAN

(4) AN EMPTY BARREL MAKES THE LOUDEST NOISE One day in a sixth grade class there was a student named Daniel. He was a really bright student and was loved by all his teachers. Though he wasn’t that active in class discussions but did a good performance in his papers. There was another boy named Bayo. He wasn’t that good in academics but always shows off telling he was better than Daniel. Bayo also makes fun of Daniel’s silent nature and pulled him for verbal wars many times. Although Bayo was boasting but Daniel never bothered. One monday, during the Social Science period there was a quiz held. Both Daniel and Bayo were in different teams. Bayo’s team was getting easy questions but Bayo was the first one to shout out the answer without discussing with his team mates. And all the answers he provided were wrong. In the other hand, Daniel was confident about all the answers but discussed with his team mates and gave chance for his friends to answer. The first question asked by the teacher to Daniel’s team was; ‘How many states are there in India?’. Though knew the answer he discussed with his team and confidently answered; ” twenty-two” . Daniel’s team gets one point. Next question to Bayo’s team was; ‘What is the capital of India?’ Sham impatiently shouted the the answer saying; ‘Bangalore’. The answer was wrong, so all his teammates shouted on him. But still in the next round he didn’t change his behavior and eventually lost the quiz. At the end of the quiz, his team walked up to him in annoyance and said to him; “it’s obvious now that the empty barrel that makes the loudest noise”

(5a) The writer want from the grandmother kindness and warmth.

(5b) She was always in the kitchen because she was weak in mind and limb and could scarcely walk about the house.

(5c) According to the passage, the two symptoms of asthma are: (i) Gasping and breathlessness (ii) Wild wheezing cries

(5d) She fled home with her grief from the sea, shut herself in the store, And threw herself face down on an old Mattress and lay their till night

(5e) (i) Adverbial clause (ii) It modifies the verb “Died’

(5f) Grandmother’s Ailment was caused by her lying face down on the old Mattress which had lain in the store for years

(5g) Hyperbole

(5h) (i) Doled out – Gave out (ii) Shackled – Restricted (iii) Battled – Struggled (iv) Draped – Covered (v) Exhausted – Tired (vi) Constitution – Health

(6) The activities carried out by the troop in the scatting years are: (i) The cutting of grasses (ii) The pumping of bicycle tyres (iii) The cooking of food (iv) Keeping Watch at night (v) The assault course which was devised by the troop.

COMPREHENSION- ANSWERS (5a) The writer want from the grandmother kindness and warmth.

(5g) Metaphor

(5h) (i) Doled out – Gave out (ii) Shackled – Restricted (iii) Battled – Struggled (iv) Draped – Covered (v) Exhausted – Tired (vi) Constitution – Health °°°°°°°°°°°°°°°°°°°°°°°°°°°°°°°°°°°°°°°° SUMMARY-ANSWERS (6) The activities carried out by the troop in the scatting years are: (i) The cutting of grasses (ii) The pumping of bicycle tyres (iii) The cooking of food (iv) Keeping Watch at night (v) The assault course which was devised by the troop. °°°°°°°°°°°°°°° °°°°°°°°°°°°°°°°°°°°°°°°°°°°°°°°°°°°°°°° ESSAY-WRITING-ANSWERS (1) A Defective Education System; The Nigeria’s education system does not prioritize reading for general acquisition of knowledge rather it prioritizes reading for passing examinations. Most students read to pass examination. Some students have even resorted to cramming in order to pass examinations. To make matters worse, some teachers want their students to write verbatim in examination. This is a wrong approach to reading and does not help one or a society to develop. The implication is that the students will pass the exams very well but the knowledge is not there, because a few minutes after exams they can’t answer same question.

The students; Students must prioritize reading by developing a positive attitude towards it. They should see reading as natural as play, make it a hobby, and devote their time to reading good books. All hands must be on deck for a good reading culture to be promoted among Nigerian students. The Parents, the students, the teachers and the Government must play their roles in ensuring that this is done. The students must not be lazy; they must be ready to read at all times °°°°°°°°°°°°°°°°°°°°°°°°°°°°°°°°°°°°°°°° (4) AN EMPTY BARREL MAKES THE LOUDEST NOISE One day in a sixth grade class there was a student named Daniel. He was a really bright student and was loved by all his teachers. Though he wasn’t that active in class discussions but did a good performance in his papers. There was another boy named Bayo. He wasn’t that good in academics but always shows off telling he was better than Daniel. Bayo also makes fun of Daniel’s silent nature and pulled him for verbal wars many times. Although Bayo was boasting but Daniel never bothered. One monday, during the Social Science period there was a quiz held. Both Daniel and Bayo were in different teams. Bayo’s team was getting easy questions but Bayo was the first one to shout out the answer without discussing with his team mates. And all the answers he provided were wrong. In the other hand, Daniel was confident about all the answers but discussed with his team mates and gave chance for his friends to answer.

The first question asked by the teacher to Daniel’s team was; ‘How many states are there in India?’. Though knew the answer he discussed with his team and confidently answered; ” twenty-two” . Daniel’s team gets one point. Next question to Bayo’s team was; ‘What is the capital of India?’ Sham impatiently shouted the the answer saying; ‘Bangalore’. The answer was wrong, so all his teammates shouted on him. But still in the next round he didn’t change his behavior and eventually lost the quiz.

At the end of the quiz, his team walked up to him in annoyance and said to him; “it’s obvious now that the empty barrel that makes the loudest noise”

(2) (i) Subsistence and Commercial Activities: Agriculture is the main economic activity. Grain is the staple diet, including Guinea corn, millet, maize, and rice. The Hausa also grow and eat root crops and a variety of vegetables. Cotton and peanuts are processed and used locally, but part of the harvest is exported. The Hausa practice intercropping and double-cropping; their main implement is the hoe.

(ii) Industrial Arts: There are full-time specialists only where there is an assured market for craft products. Men’s crafts include tanning, leatherworking, saddling, weaving, dying, woodworking, and smithing. Iron has been mined, smelted, and worked as far back as there are Hausa traditions.

(iii) Trade: Trade is complicated and varied. Some traders deal in a particular market, as distinguished from those who trade in many markets over a long distance. This dual trade strategy, augmented by the contributions of the Cattle Fulani, enabled the Hausa to meet all of their requirements, even during the nineteenth century.

(iv) Division of Labor: Hausa society traditionally observes several divisions of labor: in public administration, it is primarily men who may be appointed, although some women hold appointed positions in the palace. Class determines what sort of work one might do, and gender determines work roles. When women engage in income-producing activities, they may keep what they earn

(v) Land Tenure: The rural householder farms with his sons’ help; from the old farm, he allocates to them small plots, which he enlarges as they mature. New family fields are cleared from the bush.

(3) (i)Each Igbo village was seen as a political unit inhabited by related families who were bounded by common beliefs and origin. Each family head in the village held the ‘Ofo‘ title and altogether formed the council of elders.

(iii)Among the council of elders, one was recognized as the most senior to others. He was the ‘Okpara‘. He could call for and adjourn a meeting, and could also give judgements as well.

(iii)the age-grade. The age-grade consisted of youngsters that belong to the same age-group. The senior age-group maintained peace and order in the village and also provided security to ward off external attacks, while the junior age-group concentrated on the sanitation of the community and other necessary duties.

(iv)the ‘Ozo‘ title holders. This expensive title was conferred on wealthy and influential men in the community who after getting the title become recognized and could then preside over meetings with the village elders.

(v)they were believed to be the mouthpiece of the gods e.g. Aro’s long juju. Even the council of elders consulted the priests on matters that were beyond their powers i.e. matters that needed spiritual intervention.

i. The Nature of Islam:

The nature of Islam as a religion accepting polygamy to some extent, its tolerance of traditional African religions, its simplicity of doctrine and mode of worship helped propagators to make converts in Africa. These factors also made Islam easily adaptable to the African communities with which it came in contact. Again, the Islamisation of Africa was paralleled by the Africanisation of Islam. The making and sale of charms and amulets, which were believed to offer protection against evil forces and generally ensure success in life, were important in winning over converts.

Another major reason that led to the rapid spread of Islam in West Africa was the trans-Saharan trade network. From the seventh century onwards, Muslim traders from the Maghreb and the Sahara started settling first in some of the market centres in the Sahel and then in the Savanna areas. Al-Bakri, a renowned Arabic Scholar and merchant wrote in 1067, that the capital of ancient Ghana was already divided into two parts; about six miles apart, the Muslim traders’ part which had as many as twelve mosques and the King’s part had one mosque for the use of the king’s Muslim visitors. It was these resident Muslim traders who converted the rulers and the principal local town’s people to Islam. Also, according to Kano Chronicles, during the reign of Yaji, the King of Kano from 1349 to 1385, the Wangarawa came from Melle bringing the Mohammedan religion. These examples grew the process of Islamisation or conversion to Islam, as it gathered momentum.

iii. Activities of Muslim Clerics:

Islam also spread into West Africa through the activities of Muslim clerics, marabouts and scholars or mallams. These clerics or learned men founded their own religious centres which attracted students from all parts of the Western Sudan and who on the completion of their studies and training went back to their own homes to win converts. Many of them went on lecture or missionary tours to convert people, while others became advisers to Sudanese Kings on how to become effective rulers. Some clerics devoted a great deal of their time to writing books and instructions on all aspects of Islam for the education and conversion of people or the purification and strengthening of Islam. Some examples of clerics follow:

Ibu Khadija al-Kumi, a Muslim missionary and Abu Ishaq al-Sahili, a poet, scholar and architect from Granada were both invited by Mansa Musa to accompany him on his return from his celebrated pilgrimage in 1324/5. Both of them settled in Mali where they taught Islam. Al-Sahili also designed the great mosque of Timbuktu as well as a magnificent palace for Mansa Musa in the capital of Mali.

Again, the great Mande scholar, Abd Rahman Zaite (now identified as Abd al-Rahman Jakhite) settled in Kano on the invitation of Rumfa, the King of Kano. He built a mosque and introduced the practice of Koran recital and other devotional exercises.

Another brilliant Berber scholar called Abd al-Rahman al-Maghili (1477-78) established his Zawiyaie Islamic school in Tuat in the Sahara, and from there went on a missionary tour of the Western Sudan which lasted from 1492 to 1503. During this tour, he visited Air, Takedda, Kano, Katsina and Gao and preached to both rulers and commoners.

iv. Activities of Rulers:

Islam gained ground in West Africa through the activities of the individual rulers. The rulers of the Western Sudan encouraged the trans-Saharan trade and extended hospitality to both traders and visiting clerics, but perhaps one of the most important ways in which they encouraged acceptance of Islam was through their own conversion. With a Muslim King or ruler it rapidly became a matter of prestige among the aristocracy also to convert to Islam in many kingdoms. Many rulers made considerable efforts to encourage Muslim institutions such as Islamic tax and legal systems or the provision of facilities such as mosques, through the appointment of Muslim officials such as judges and butchers who observe the Islamic code and to lead prayers, celebrating Muslim festival and ordering every town under their control to observe the ritual prayers. The pilgrimages that many of the rulers undertook – such as Mansa Musa and Askia Mohammed — had a considerable spiritual effect increasing their determination both to strengthen and purify Islam and to spread it even further.

v. Holy War:

What is more, another way in which Islam was introduced and spread in West Africa in general and the Western Sudan in particular was the militant jihad, or the waging of holy war against infidels or lukewarm Muslims. This method allowed the third and final stage of the process of Islamisation to reach its climax with the nineteenth-century jihad in the Western Sudan, between Mali and Senegambia and Hausaland in northern Nigeria.

The first jihad in the Western Sudan which has accounts was that waged by the head of the Sudanese confederation. It was Tarsina against the Sudanese people in 1023, soon after his return from the pilgrimage to Mecca. He was killed during these clashes. The second is that of the King of Takrur, War-Ajabbi, before his death in 1040. The third and the best known of these early jihads was the one declared by the Almoravid movement of ancient Ghana between 1048 and 1054 by the scholar, Abdallah Ibn Yasin. Between 1056 and 1070s, the Almoravid conquered the whole area between ancient Ghana and Sijilmasa. By 1087 the Almoravid Empire stretched from the Senegal in the south across the Mediterranean to Spain in the north.

vi. Inter-marriage:

Islam also spread on to West Africa through inter-marriages. The Muslim merchants from North Africa came down settled and married the African women who became Muslims including their children.

(6a) i. The constitutions enacted during this period were the Clifford Constitution in 1922.

ii. The Richards Constitution in 1946.

iii. The Macpherson Constitution in 1951.

iv. The Lyttleton Constitution in 1954.

v. In 1946 a new constitution was approved by Westminster and promulgated in Nigeria.

i. In the executive council, The ministers were not given portfolios. They acted as mere officers of government. They had no power to issue orders to their directors. However, they were collectively responsible for all policy decisions.

ii. There were also criticism, on the creation of unequal status and adoption of two houses of legislature (bicameral in the Northern and Western regions only).

iii. The continued appointment of special members in the House of Representatives, House of assembly and the Electoral college system of election, were some of the serious criticisms.

iv. Even though the 1951 constitution was the result of series of consultations with the various levels of government and educated elites, it received some criticisms from the Nigerian nationalists who saw it as a constitution built on compromise.

v. It could be stated that the 1951 constitution enjoyed wide publicity. Generally the constitution could be seen as constitution that recognized the demands of the people.

(8) (i) Ethnically based Federal Regions, with uneven size and power: The first structural weakness which set the First Republic in Nigeria for political crisis was its ethnically- based federal regions and the asymmetry in size and power between them. Upon independence, Nigeria was composed of three federating regions: Northern, Eastern and Western regions. (Later in 1963 a new region, the Mid-West, was carved out of the West following a crisis in that region). Each of the regions was dominated by one of the country’s three largest ethnic groups: Hausa-Fulani in the North, Yoruba in the West and Igbo in the East. This arrangement presided over by the dominant ethnic groups placed minorities at a considerable disadvantage in the competition for jobs and resources at the regional level.

(ii) Ethno-Regional Political Parties: The second structural weakness which afflicted the First Republic was the emotive association between political party and ethno- regional identity. This meant politics largely “revolved around ethnic-based regional…parties”. Reflecting the tripodal ethnic balance, three parties bestrode the political scene like titans and thus shaped the destiny of the First Republic: Northern People’s Congress (NPC), the Action Group (AG), and the National Council of Nigerian Citizens (NCNC). All three parties originally emerged out of ethno-cultural associations: NPC from Jam’iyar Mutanen Arewa (Association of Peoples of the North) AG from Egbe omo Oduduwa (Society for the Descendants of Oduduwa.

(iii) The political alignment which formed after the 1959 election: It can be argued that the political constellation which emerged after the 1959 election was the most potent of the young republic’s structural weaknesses. It had huge impacts on the stability of the soon to be an independent nation. The North-South governing coalition between the NPC and the NCNC, variously described as “unnatural”, a coalition of “strange bedfellows”, only accentuated the republic’s structural imbalances. On immediate observations, it was certainly a partnership of unequal – with the NPC being by far the more powerful of the two governing parties. This meant the NCNC was always acutely sensitive to the tenuousness of its share of power.

(iv) The fear of ethnic domination: The last and deepest of the structural weaknesses was the fear of ethnic domination which pervaded the politics of the First Republic. The Yorubas and Igbos in the two southern regions feared that the Hausa-Fulanis would use the North’s demographic preponderance to perpetuate northern hegemony and monopolise federal resources for their region; Hausa-Fulanis, in turn, feared that in an open contest, the Yorubas and Igbos, being the more educated, would dominate the political and economic structures of the federation.

(v) The disintegration of the AG, 1962-63: The collapse of the AG’s political power between 1962 and 1963 produced far-reaching effects. The crisis that engulfed the party stemmed from its “staggering defeat” in 1959. It had been ‘relegated’ to the opposition. The NCNC had made impressive inroads into its regional heartland, securing for itself 21 seats in the AG’s political turf by exploiting minority discontent within the Western Region.

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2022 NECO AGRIC SCIENCE ANSWERS

AGRIC -Obj! 1DBCDCDBCCD 11BAABABDBDB 21BCBDBCCACC 31CBBDDBCDBA 41BBCBDCCACC 51CBCADBACBA Completed

THEORY ANSWERS.!!

INSTRUCTIONS: Answer At least One (1) Question From Each Section. One (1) Question Each From SECTION A,B,C,D & E

(2a) Agriculture can be defined as the art and science of cultivating soil, producing crops and raising of animals for the benefit of humanity. Agriculture can also be defined as the practice of growing crops or raising animals

Agriculture is the science and art of cultivating plants and live stocks.

(2b) {PICK ANY SIX} (i) Agricultural Research Council of Nigeria. (ii) Institute for Agricultural Research. (iii)nInstitute of Agricultural Research & Training. (iv) International Institute of Tropical Agriculture. (v) NAERLS. (vi) NCRI. (vii) NIFFR. (viii) NSPRI Ilorin.

(2c) (i) Start with a visual inspection of your small farm tractor. (ii) Check the tractor’s radiator-fluid level. (iii) Check the fan’s drive belt for wear and tension, and visually inspect the radiator core and grill screen. (iv) Top off the tractor’s fuel tank. (v) Check the tractor’s oil.

(2d) {PICK ANY THREE} (i) Health of the animal/diseases (ii) Food intake (iii) Breed of the animal/genetic make-up (iv) Weight of the animal (v) Age of the animal (vi) Poor management of the animal (vii) Harness used for hitching (viii) Sex of the animal (ix) Training given to the animal (x) Climate/environmental (xi) factors Pests

(4ai) Sandy Soil.

(4aii) Clay Soil.

(4aiii) Clay/Loamy Soil.

(4aiv) Loamy Soil.

(4b) (i) Tillage Practices. (ii) Deforestation. (iii) Overgrazing. (iv) Bush Burning.

(4c) (i) Carbondioxide is lost in the atmosphere mainly by photosynthesis during which plants use it to manufacture their own food. (ii) By Direct air Capture. (iii) Carbon mineralization.

(4d) (i) It makes the farm more prone to hazard lds, e.g. falling into an open drain. (ii) It is expensive and difficult to establish. (iii) They are prone to gully erosion. (iv) They hinder the passage of machine like tractor. (v) It occupies good land (space) that could have been used for planting.

(5a) {PICK ANY THREE} (i) Forest Regulation. (ii) Selective Exploration. (iii) Deforestation. (iv) Regeneration. (v) Afforestation.

(5b) {PICK ANY THREE} (i) The chemical used may be toxic to man and domestic animals. (ii) Pests and diseases may develop resistance yo chemicals. (iii) Empty containers could be a source of poisoning when used as containers for consumables. (iv) Some beneficial insects and soil organisms may not be destroyed.

(5ci) Cocoa is a humid tropical crop. Grows best in areas with 1140mm – 2000mm annual rainfall, well distributed most of the year. Temperature requirements not below 17°C.

(5cii) (i) By Seeds. (ii) By Budding. (iii) By Stem Cutting.

(5ciii) Nursery is done October to January. Field (transplanting) between April and June.

(5civ) 20cm X 20cm.

(5cv) {PICK ANY TWO} (i) Breaking of Pods. (ii) Fermentation. (iii) Drying. (iv) Storage.

(5d) {PICK ANY FOUR} (i) Reduce land value. (ii) Reduce the quality of crop products. (iii) Increased cost of harvesting. (iv) Weeds cause losses in crop yields. (v) Certain weeds are poisonous and hence kill animals that feed on them.

(6a) {PICK ANY FOUR} (i) To increase resistance to diseases. (ii) To increase resistance to pests. (iii) To meet the needs of growers. (iv) To improve the quality of produce. (v) To increase yield.

(6b) {PICK ANY THREE} (i) Persistence. (ii) Aggressiveness. (iii) Resistance im Trampling. (iv) Resistance in Drought. (v) Pests and Diseases. (vi) Accurate Stocking.

(6ci) {PICK ANY TWO} (i) Established private horticulture gardens. (ii) Higher institutions’ botanical garden. (iii) Private houses and offices. (iv) Resort or Recreational centers.

(6cii) {PICK ANY THREE} (i) Provision of Shade. (ii) Regular Watering. (iii) Regular Weeding. (iv) Regular Pruning. (v) Fencing.

(6di) Fungus (Phytophthora spp)

(6dii) {PICK ANY ONE} (i) Rotten of the bark near the ground. (ii) Drying and cracking of bark.

(6diii) (i) By Air. (ii) Through the soil.

(6div) {PICK ANY ONE} (i) Use resistant varieties. (ii) Spray with appropriate fungicides. (iii) Paint the trunk with crude cabolic and water.

(7a) (i) Prophylactic application of Anticoccidials (ii) Vaccine (iii) Poultry house management

(7b) (i) Dental Disease: Rabbits with dental disease will often drool, stop eating, stop passing stool, and develop secondary GI stasis. (ii) Uterine Tumors: Un-spayed female rabbits often initially develop benign changes in their uterine endometrium (lining) that progress to malignant cancer over time. (iii) Respiratory Tract Infections: Rabbits are obligatory nasal breathers, meaning they must breathe through their noses and cannot breathe well through their mouths. They commonly get respiratory tract infections that can affect both their upper airways (nose and trachea) and lower airways (lungs).

(7c) (i) There is no need of maintenance of breeding bull for a herd; hence the cost of maintenance of breeding bull is saved. (ii) It prevents the spread of certain diseases and sterility due to genital diseases’: contagious abortion, vibriosis. (iii) By regular examination of semen after collection and frequent checking on fertility make, early detection of interior males and better breeding efficiency is ensured.

(7d) (i) Deweeding of the pond (ii) Regular feeding. (iii) Constant supply of water. (iv) Regular harvesting of matured fish.

(9a) {PICK ANY TWO} (i) It helps the entrepreneur to determine the best proportion to combine the various factors of production. (ii) It enables him to determine the wages he will pay to his workers. (iii) It enables him to minimise cost and avoid wastage of resources in order to make profit.

(9b) {PICK ANY THREE} (i) Central Banks (ii) Commercial Banks (iii) Acceptance Houses (iv) Nonbank financial institutions (v) Bill Brokers (vi) fund managers (vii) institutional investors

(9c) {PICK ANY THREE } (i) Skilled personnel, at both the managerial and operational levels, are scare. (ii) Lack of adequate information. Farmers need to be convicted to the benefits of insurance before they accept it. (iii) Uncertainty of weather conditions. (iv) Some losses due to natural disaster which is known as an act. (v) Reinsurance for agricultural risks is not easily available.

(9di) (i) To increase food production. (ii) To popularise agriculture.

(9dii) (i) To encourage large-scale farming. (ii) To establish River Basin Authorities to boost the supply of water for irrigation purposes.

(9diii) (i) To stimulate small rural farmers to increase their productivity and improve their standard of living. (ii) To check land tenure system

(9e) {PICK ANY TWO} (i) It gives and obtains information that with be useful to farmers and/or researchers. (ii) It can only work for small group of farmers. (iii) More attention is given to the individual farmers than any other method. (iv) It may involve the use of telephone which makes information dissemination faster.

(10a) (i) Poor Management: The senior officials of these cooperatives on the average lack business experience. Their managerial skills are low and thus reduces the efficiency of the cooperatives. (ii) Illiteracy: These societies are usually made up of ordinary people who want to get better deals. The members are mostly illiterates and create so many problems for the societies without even realising it. (iii) Lack of Cooperation: Since the members are made up of people from different backgrounds and with different experiences, there is usually a lack of cooperation since people have different views of things.

(10b) (i) Organisational Ability (ii) Clear Judgement (iii) Initiative (iv) Excellent public speaking skills

(10c) (i) Farm Gate (ii) Wholesale Markets (iii) Retail Markets (iv) Distributors

(10d) (i) SALES ACCOUNT: It is also called sales and receipt account. It shows the details of farm produce sold (type of produce, quantity, date sold, to whom, and at what price) (ii) PURCHASE ACCOUNT: It is also known as purchase and expenses account. It shows in details, all items purchased and used during the production period. The detail includes inputs name, date purchased, quantity, cost per unit and from whom. (iii) FARM VALUATION: Farm valuation is carried out in order to get a time value of the farm. It involves the complete listing of assets and their values. Farm valuation carried out at the beginning is called opening valuation while that carried at the end is known as closing valuation. Every valuation must be based on the market value or production cost. The value of each item in stock is estimated. Changes in the value of the farm should be included to get the true value of the farm profit and loss (iv) CASH ANALYSIS ACCOUNT: It shows the income and expenditure of a farm over a given period of time. In preparing this account, sales and receipts are recorded on the debit side(containing columns for date, name, and details or particulars) while purchases and payment are entered on the credit side(purchase and expenses).

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NECO Agric Questions And Answers 2023 | Essay And Objectives

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NECO Agric Questions and Answers for 2023 is here

The complete NECO Agric Questions and Answers for 2023 is what I am going to reveal to you in this article. Do not leave this page if you are a candidate of this examination and you would like to see the complete questions and answers before the time of the examination.

I have discovered that a lot of NECO Agricultural Science Candidate have been searching so hard to see what the National Examination Council (NECO) is going to set in the agric. Examination for 2023 June/July examination.

For this reason, I gone a long way to get the complete NECO Agric Questions with the correct answers for the 2023 examination. This is to assist those who are ready to have excellent result at the end of the examination.

If you are sure that you will be sitting for this examination or that you have someone who is going to write the examination and you would like to get more detail about the NECO Agric Questions and Answers for 2023, make sure that you  read this article from the beginning to the end.

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NECO Agric Questions and Answers for 2023

Neco agric objective questions for 2023, neco agric objective answers for 2023, neco agric theory answers for 2022, related links:, tips on how to pass neco agric. examination.

neco question paper 1

This section of the article is made up of the objective questions for 2022 NECO Agricultural Science examination. They include the following:

1. Land Use Act contributes to the success of agriculture in Nigeria by

A. allocating farmlands to co-operatives

B. granting loans for land acquisition

C. initiating soil conservation techniques

D. monitoring farm settlement schemes

E. providing security to land ownership

2. The “Operation Feed the Nation” is an example of government agricultural

B. programme

D. regulation

3. The first form of settled agriculture practiced by man is

A. bush fallowing

B. crop rotation

C. mono cropping

D. multiple cropping

E. shifting cultivation

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4. The main purpose of mulching is to

A. decrease the evaporation of moisture from the soil.

B. discourage leaching

C. encourage erosion menace

D. prevent insect pests from attacking plants

E. provide support for the plant.

5. Soil texture affects agricultural production in the following ways EXCEPT that it

A. affects the activities of soil micro organisms.

B. affects the relative proportion of air and water in soil.

C. determines the type of soil in an area

D. determines the level of soil fertility

E. determines the type of crops to be grown.

6. The relative amount of sand, silt and clay in a soil sample is referred to as soil

A. consistence

B. plasticity

D. structure

7. The amount of water held in the soil after excess water has drained away is termed

A. field capacity

B. gravitational

C. hydroscopic

D. hygroscopic

E. surface tension

8. 80cm of water was poured through a funnel containing a soil sample. At the end of 1hour 60cm³ of water drained out. What is the percentage of water retained in the soil?

9. The upward movement of water in the soil is termed

A. capillarity

C. hygroscopic

D. percolation

E. porosity

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10. Which of the following is NOT a reason for embarking on irrigation practice?

A. Encouraging disease build up

B. Encouraging the survival of crops during drought

C. Increasing crop yield

D. Making early planting possible

E. Providing moisture for plants’ growth

11. Guano is an organic manure obtained from

12. Edaphic factors which affect agricultural production include the following EXCEPT soil

A. moisture.

C. structure

D. temperature

13. Rocks are classified based on

B. mineral component

C. mode of formation

14. The application of heat and pressure change coal to

B. graphite

D. quartzite

15. A plant which shows complete yellowness of leaves is deficient in

B. magnesium

C. nitrogen.

D. phosphorus.

E. potassium.

16. The introduction of ____________power brought about a sizeable reduction in the work-hour requirements in the farm.

B. electricity

D. mechanical

17. Which of the following is NOT considered during farmstead planning?

A. Accessibility

B. Marketability

C. Orientation

D. Soil type

E. Topography

18. The main source of power on subsistence farms is

A. bullock.

B. electricity.

D. tractor.

E. windmill.

19. Combine harvester is usually used for harvesting

A. groundnut.

E. tomatoes.

20. Cowpea mosaic disease is caused by

A. bacteria

C. nematode

D. protozoa

21. Which of these crops can be propagated by grafting?

E. Plantain

22. Which of the following is NOT a pest of maize?

A. Army worm

C. Millipede

E. Stem borer

23. Formation of irregular galls on roots is a characteristic symptom of a disease caused by

A. bacterium

24. Which of the following is NOT a beneficial effect of weed control?

A. Elimination of alternate host of pest and diseases

B. Increase in evapotranspiration

C. Increase in yield of crops

D. Reduction of crop products contamination

E. Removal of overcrowding of crops

25. The study of forest trees and other related trees is known as

A. agriculture

B. floriculture

C. horticulture

D. olericulture

E. silviculture

26. The practice of supporting crop plant with sticks so as to expose their leaves to the sun is referred to as

A. mulching

D. supplying

E. thinning

27. Citrus is harvested with a

B. go-to-hell

28. The temperature range for the production of maize is

A. 10-15°C.

B. 15-20°C.

C. 20-25°C.

D. 25 -30°C.

E. 30-35°C.

29. The following are necessary conditions for choosing a vegetable site EXCEPT

A. accessibility to buyers

B. fertility of the soil

C. infestation with weeds

D. nearness to water supply.

E. water logged-free soil.

30. Which of these crops does NOT need nursery operation?

31.  Which of these crops can be propagated by cutting?

A. Cauliflower

32. Which of the following is a perennial crop?

33. The sequence of processing cotton is

A. bailing-ginning-grading-drying-crushing

B. bailing-ginning-grading-crushing-drying

C. drying-ginning-grading-bailing-crushing

D. ginning-drying-grading-bailing-crushing

E. ginning-grading-drying-bailing-crushing

34. Which of the following is NOT used for identification purpose in livestock management?

A. Branding

B. Notching

C. Shearing

E. Tattooing

35. The anti-sterility vitamin in livestock nutrition is vitamin

36. The oestrous cycle of a doe is __________days.

37. The disease caused by feeding disorder in animal is called

A. agglutination

C. dysentary

E. enteritis

38. Which of the following breeds of cattle is found predominantly in Northern Nigeria?

D. N’dama

E. White Fulani

39. An animal which continues to make undue noise and climbs other animals is showing signs of

B. ill-health

C. lactation

D. ovulation

E. Parturition

40. The site of milk synthesis and milk secretion in farm animal is called

A. alveolus

B. gland cistern

C. small duct

D. streak canal

E. teat cistern

41. Pasteurization of milk involves the use of

B. disinfectant.

C. electricity.

E. sunshine.

42. Lactation can be stimulated in female animal by a decrease in the level of _____________hormone.

A. lutenizing

B. oestrogen

C. oxytocin

D. progesterone

43. Which of the following farm animals requires the use of wallows in their pens?

44. Which of the following factors will NOT be considered in determining the type of ration fed to an animal?

A. Age of the animal

B. Availability of feed stuff

C. Physiological state of the animal

D. Purpose for which animal is kept

E. Size of the animal

45. Which of the following is NOT a condition necessary for siting a fish pond?

A.  Adequate water supply

B. Availability of fast growing fingerlings

C. Nearness to the market

D. Relative humidity of the area

E. Topography of the area

46. Fry refers to the young of

47. The gestation period of a rabbit is ________days.

48. Fowl is a monogastric animal because it

A. digests fibres and cellulose.

B. does not chew-the-cud at all.

C. has a four stomach compartments.

D. regurgitates digestible feed always.

E. utilizes non-protein nitrogen substances.

49. Which of these diseases is caused by virus?

B. Aspergilosis

C. Brucellosis

D. Rinder pest

E.Tuberculosis

50. Which of the following is NOT a component of balanced diet in livestock management?

A. Carbohydrate

B. Fat and oil

51. Which of the following is an enzyme that converts fats and oil to fatty acids and glycerol?

52. Which of the following is NOT an economic importance of liver fluke? It

A. causes abdominal pains

B. causes bilharzia

C. causes liver rot

D. leads to loss of blood

E. obstructs the bile ducts

53. Which of the following is a pasture legume?

A. Andropogon gayanus

B. Cynodon dactylon

C. Imperata cylindrical

D. Panicum maximum

E. Stylosanthes gracitis

54. The following are fixed assets EXCEPT

A. cash at hand

B. farm tools

D. machines

E. vehicle.

55. The record which contains the assets and liability of a farm is

.A. farm diary

B. farm inventory

C. input record.

D. output record

E. production record

56. The annual depreciation of a tractor purchased in year 2000 at the cost of N800,000 and sold off in 2008 at the cost of N400,000

57. Which of the following is NOT a marketing function?

A. Advertisement

C. Packaging

E. Transportation

58. Which of the following is both a visual and spoken form of extension method?

A. Bulletin

B. Magazine

C. Method demonstration

D. Office call

59. The first stage that an individual moves through in terms of adopting improved practice is

A. adoption

B. awareness

C. evaluation

D. interest

60. Which of the following is a mass media method in extension?

B. Excursion

D. Pamphlet

E. Symposium

Now that you have seen the expected NECO Agric objective questions for the 2023 examination, follow me as I also show you the correct answers to all the questions you saw earlier.

The table below presents the answers to NECO Agric Objective Questions for 2023.

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NECO Agric Theory Questions for 2023

Answer ONE question from this Section

1.     (a) List SIX provisions of the Land Use Act of 1978.

(b) Mention THREE advantages and THREE disadvantages of Land Use Act.

(c)    (i) Define Land tenure. (2marks)

(ii) List TWO advantages of communal land tenure. (2marks)

2. (a) Enumerate EIGHT problems of agricultural mechanization

in Nigeria. (8marks)

(b) Mention TWO functions each of these farm implement:

(i) ridger. (2marks)

(ii) disc harrow. (2marks)

(iii) combine harvester. (2marks)

(iv) spring-tine cultivator. (2marks)

3. (a) In a tabular form, state FIVE differences between sand and clay soils. (10marks)

(b) List TWO physical properties of soil.

(c) Mention FOUR importance of soil texture in agriculture.

4. (a) Name FOUR materials that can be used to correct soil acidity.

(b)i. List TWO characteristics of metamorphic rock.

ii. Mention FOUR economic importance of rock in agriculture. (4marks)

(c) Explain the following terms:

(i) hygroscopic water. (2marks)

(ii) capillary water. (2marks)

(iii) gravitational water. (2marks)

5.(a) (i) Mention FOUR stages in the processing of cocoa. (4marks)

(ii)List THREE cultural practices carried out in the production of cocoa. (3marks)

(b) Enumerate THREE diseases that affect the production of cowpea. (3marks)

(c) Discuss maize rust disease under the following headings:

(i) Causal organism (1marks)

(ii) Mode of transmission (1marks)

(iii) TWO symptoms (2marks)

(iv) TWO control measures. (2marks)

6.(a) State FOUR effects of diseases on crop production. (4marks)

(b) Discuss the following methods of controlling diseases in crop:

(i) biological control method. (2marks)

(ii) cultural control method. (2marks)

(c) List FOUR side effects of chemical control method of

controlling pest. (4marks)

(d) Explain the following forest management practices:

(i) selective exploration. (2marks)

(ii) forest regulation. (2marks)

(7) (a) Enumerate FIVE ways of maintaining a fish pond. (5marks)

(b) State FIVE importance of fish farming. (5marks)

(c) List SIX factors that could predispose animals to diseases.

 (6marks)

(8a) (i) What is a range land? (2marks)

(ii) Mention TWO characteristics of a range land. (2marks)

(iii)Give TWO reasons for the need of a grass-legume mixture in a range land. (2marks)

(b) Describe the process of egg formation in the following parts of the reproductive system of a fowl:

(i) Infundibulum (2marks)

(ii) Magnum (2marks)

(iii) Isthmus (2marks)

(iv) Uterus (2marks)

(c) List TWO minerals needed for the formation of egg shell.

(9a) (i) Define agricultural credit (2marks)

 (ii) State TWO differences between agricultural credit and agricultural subsidy. (2marks)

(iii) Mention FOUR farm inputs commonly subsidized by Government (2marks)

(b) Mention THREE disadvantages of agricultural co-operative societies. (3marks)

(c) List FIVE reasons why farmers find it difficult to obtain bank loans. (5marks)

10. Assuming the farmers in a village were categorized according to their rate of adoption of new ideas as follows:

Innovators: 10

Early adopters: 10

Late adopters: 60

Never adopters: 20

(a (i) Calculate the ratio of late adopters to early adopters (1marks)

(ii) State FIVE reasons for the high number of late adopters. (1marks)

(iii) Mention TWO reasons for the low ratio of early adoptions.

(b) State FOUR contributions of an extension agent to the success of Agriculture in Nigeria. (4marks)

(c) Mention FOUR problems that face the success of extension services in Nigeria. (4marks)

Keep refreshing this page as the complete 2022 NECO Agric theory answers will be posted shortly.

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NECO Agric Questions and Answers in PDF

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Special Instructions to All NECO Agric. Science Candidates

AGRICULTURAL SCIENCE PART I (60 MARKS)

Do NOT open this booklet until you are told to do so. While you are waiting, read the following instructions carefully.

This part will last for 1 hour.

1. Use HB pencil throughout.

2. Complete the top section of your answer sheet as follows:

(a) In the space marked Candidate’s Name, write in capital letters your surnamed followed by your other names.

(b) In the space marked School Name write the name of your school, and in the space

marked subject Name write AGRICULTURAL SCIENCE.

(c) In the box marked Subject Code, write down the digits 7012 in the spaces. There are wojego numbered spaces in line with each digit. Shade carefully the space with the same number as each digit.

(d) In the box marked Examination Number, write down your examination number in the spaces at the top of the box. Shade the corresponding numbered spaces in the same way as for Subject Code.

3. An example is given below. This is for a candidate whose name is ABBAS Tunde Obi , with serial number 0010 , examination number 65432100BD , and who is offering Mathematics I (5011).

In this section, I will be showing you the things you are expected to do if you want to pass NECO Agric examination. They include the following:

.1. Follow the Syllabus

If you must pass very well in the NECO agric examination, it is very important that you do not take the National Examination Council (NECO) syllabus for agriculture for granted. The syllabus is what is going to guide you as prepare for the examination.

With the syllabus, you will be reading only those topics in agric where NECO examination questions are definitely going to come out from and that will contribute highly to your good performance during the examination.

2. Read Instruction

Any candidate that will be writing NECO agriculture examination and expects to get good score must take any instruction given about the examination very serious.

Important instructions that you must follow are usually given on the front pages of the question paper for every section. Make sure that you do not ignore any of them so that you won’t make any mistake that will cost you your scores.

3. Complete Your Question

As you have started writing your examination, make sure that you do not submit any incompletely answered questions. To get your full total marks, you should answer the required questions and must be able to present the answers the way it is expected from you by the examiners.

Get more tips :  How to Pass your NECO Examination at One Sitting

I hope that you have enjoyed reading the information provided for you in this article. For any other assistance about NECO Agric Questions and Answers for 2023, kindly make use of the comment section below this article.

Do not forget to share this important information with your friends.

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  • A. inherited from the father
  • B. given to him as a gift
  • C. given as compensation
  • D. purchased on credit
  • E. given for a specified period on rental basis
  • A. small land holdings for family members
  • B. hatred among family members arising from land sharing
  • C. right of individuals to free use and control of inherited land
  • D. individuals being restricted to their plots
  • E. difficulty to sell part of the inherited land
  • A. distribution of the different sizes of soil particles
  • B. arrangement of soil particles in a soil sample
  • C. rate at which water moves through the soil
  • D. degree to which air spaces aerate the soil
  • E. distribution of soil particles in a sample
  • A. sublimation
  • B. volatilization
  • C. fragmentation
  • D. solidification
  • E. sedimentation
  • A. parasite
  • C. topography
  • D. soil texture
  • E. temperature
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NECO Agric Science (Essay & OBJ) Answers [30th July, 2021]

  • March 29, 2022

Get Free Live 2021 NECO June/July Agricultural Science (AGRIC) OBJ & THEORY Questions and Answers Free of Charge | NECO June/July Free Agric Science (Objectives and Theory) Questions and Answers EXPO Room (30th July, 2021).

NECO JUNE/JULY 2021 FREE AGRICULTURAL SCIENCE (AGRIC) QUESTION AND ANSWER ROOM

Friday 30th July, 2021 Paper III & II: Objective & Essay – Agricultural Science 10:00am – 12:30pm

2021 NECO AGRIC SCIENCE (OBJECTIVE) ANSWERS:

1-10 DEBADDADBC 1-10 BADBBDEEDA 11-20 BDAEDEDABE 21-30 CBCDCDADCA 31-40 AADBEAEAAB 41-50DCDAECCDEE 51-60 BDDACCACBA

2021 NECO AGRIC SCIENCE (ESSAY / THEORY) ANSWERS:

 NOTE; ANSWER ONE QUESTION FROM EACH SECTION. TAKE NOTE. SECTION-A (1ai) Farm machanization can be defined as the application of mechanical and engineering principles in carrying out farm operations (1aii) (i)Inadequate food (ii)Illiterate of farmers (iii)Religious believe (iv)Technical know-how (1b) (i)Application of fertilizers (ii)Use of farm machines (1c) (i)It provides water for other agricultural activities (ii)It creates employment opportunities (1di) -Poor marketing system- (i)Establishment of marketing board (ii)Provision of good roads (iii)Regulation of prices (1dii) -Unpredictable climate- (i)Educating farmers on the crop to cultivate during each season (ii)Provision of storage facilities (iii)Educating farmers on the climate and what to do °°°°°°°°°°°°°°°°°°°°°°°°°′°°°°°°°°°°°°°° SECTION-B (4a) This can be defined as the process whereby excess water in the soil is removed artificially to provide good farming activities (4b) (i) Planting cover crops: This helps to provide shade, prevent erosion and add more nutrients to the soil (ii) Mulching the soil: This prevents water loss through evaporation and nutrient loss by water erosion (iii) Application of compost manure: This helps to bind the sand particles together and also add humus (iv) Application of farm yard manure: This also improves the structure of the soil as well as add nutrients to the soil (4c) (i) It forms the solid part for the soil and provides support for plants (ii) It affects soil porosity (iii) It represents the habitat of all soil living organisms (iv) It has moderating effect on soil temperature (4d) (i) Molybdenum (ii) Zinc (iii) Manganese (iv) Copper °°°°°°°°°°°°°°°°°°°°°°°°°′°°°°°°°°°°°°°° SECTION-C (6a) Crop improvement can be defined as the ways of developing and breeding of crop varieties which are better than the existing varieties in a number of characters (6b) (i) Variety of crops are harvested (ii) It increases the income of the farmer (iii) Where land is scarce the farmer has a piece of land to cultivate (iv) There is availablity of crop produce throughout the year (v) The young forest trees receive direct and indirect attention from the farmer (6c) (i) They reduce the yield of crops (ii) They can cause total death of crops plants (iii) They can cause injuries which expose crops to disease attack (iv) Some are carriers or vectors of diseases (v) They reduce the quality of produce (vi) The profits of farmers are reduced (6d) (i) They serve as food for livestock (ii) They help to reduce the cost of feeding animals (iii) They serve as cover crops °°°°°°°°°°°°°°°°°°°°°°°°°′°°°°°°°°°°°°°° SECTION-D (7a) (i) Basal feeds (ii) Concentrates (7b) (i) Carbohydrates (ii) Proteins (7ci) (i)For meat (ii)For hides and skins (iii)For Money (iv)Some are raised for milk production (7cii) (i)Foot rot disease (ii)Bloat (iii)Grass Tetany (iv)White Muscle disease (7d) (i) Cultural control (ii) Physical control (iii) Biological control (iv) Chemical control °°°°°°°°°°°°°°°°°°°°°°°°°′°°°°°°°°°°°°°° SECTION-E (10a) Supply of rice maybe defined as the quantity of rice which a producer is willing and able to offer for sale at a given price over a particular period of time (10b) (i) Price (ii) Income of the consumer (iii) Taxation (iv) Population (10ci) (i) Green revolution programme (ii) Agricultural programme development (iii) National accelerate food production programme (iv) Natural intervention Agricultural land development Authority (v) Operation feed the nation (vi) Contec Global Agro limited (10cii) (i) Microfinance Bank (ii) Commercial Bank (iii) Credit card companies (iv) Nigerian Agricultural cooperative and rural Bank

REFRESH AND RELOAD NECO AGRIC SCIENCE ANSWERS

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============================

2022 NECO AGRIC ANSWERS ==================================================

( SECTION A )

(1a) Farmstead can be defined as a farm house and all it production and processing structures.

(1b) (i) Plant crops on the best soil within the farm. (ii) Livestock buildings should be located on the poorest soil within the farm. (iii) Buildings should be located in easily accessible areas. (iv) Farm building should not be located on slopes to avoid erosion.

(1c) (CHOOSE ANY BEST 4) (i) lot of produce are wasted due to inadequate storage and processing facilities. (ii) Improper storage reduces the quantity and quality of farm produce. (iii) There is lack of technical know-how on food storage and processing. (iv) Farm produce are sold off at cheap rate, leading to reduces income to the farmers. (v) Storage and processing facilities are expensive, leading to high cost of produce.

(1di) (CHOOSE ANY BEST 3) (i) Security of Tenure. (ii) Ensuring Proper Land use. (iii) Land Improvement. (iv) Influence on Size of Holdings. (v) Control of Production. (vi) Land Litigation.

(1dii) (CHOOSE ANY BEST 3) (i) Farmers can easily have access to land. (ii) The land is wisely used for productive purposes. (iii) The land is cheap to acquire. (iv) The land can easily be improved by way of fertilizer application.

=========================================

(2a) Agriculture is simply defined as the art and science that deal with the cultivation of crops and rearing of animals for man’s use. In other words agriculture is also defined as the deliberate effort made by man to till the soil,cultivate crops and rest animals for food and other purposes.

(2b) (Pick Any Six)

(i)International Institute of Tropical Agriculture (IITA) Oyo state ,Nigeria. (ii)Nigerian Institute for Oceanography and Marine Research (NIOMR). Victoria Island ,Lagos state. (iii)Institute of Agricultural Research and Training (IAR&T) Ibadan, Nigeria. (iv)National Cereal Research Institute (NCRI) Niger state Nigeria. (v)National Horticultural Research Institute (NIHORT) oyo state, Nigeria. (vi)Rubber Research Institute of Nigeria (RRIN) Benin city, Edo state. (vii)Nigerian Institute for Oil Palm Research (NIFOR) Benin city, Edo state.

(2c) (Pick Any Five)

(i) Check water levels daily and top it when necessary (ii) Check oil level daily and top it when necessary (iii)Keep Tractor clean by removing all trashes or mud from it. (iv)Inspect the tractor every day before starting (v) Check electrolyte of battery every day and top when necessary. (vi) Adhere strictly to manual or manufacturers instructions (vii)Do not overload the tractor i.e operate at appropriate speed for farm operations.

(2d) (Pick ANY THREE)

(i)Health of the animal/diseases Food intake. (ii)Breed of the animal/genetic make-up Weight of the animal. (iii)Age of the animal. (iv)Poor management of the animal Harness used for hitching. (iv)Sex of the animal. (v)Training given to the animal Climate/environmental factors Pests

==========================================

*(SECTION B)*

(4ai) Sandy soil

(4aii) Clay soil

(4aiii) Clay soil

(4aiv) Loamy soil

(4b) (Pick Any Four)

(i) Clean clearing practice (ii) overgrazing (iii) bush burning (iv) Tillage practice (v) Deforestation

(4c) (Pick Any Three)

(i)The action of volcanoes which releases carbon dioxide (ii) Burning of fuel like coal and wood (iii) The respiration by plant and animals (iv) The death ,decay and putrefaction of plants and animals (v) Diffusion of carbon dioxide from seas and other bodies of water,acting as reservoir of carbon dioxide

(4d) (Pick Any Five)

(i) It occupies good land(space) that could have been used for planting. (ii)They hinder the passage of machines like tractors. (iii) They are prone to fully erosion. (iv) It requires frequent maintenance. (v) It increases the cost of crop production. (vi) It is expensive and difficult to establish.

(5a) (Pick Any Three)

(i) forest regulations (ii) selective exploration (iii) deforestation (iv) regeneration (v) afforestation (vi) taungya system

(5b) (Pick Any Three)

(i) some beneficial insects and soil organisms may be destroyed. (ii) The chemical used may be toxic to man and domestic animals (iii) It may leave. undesirable residue in the environment. (iv)Pest may develop resistance to chemical. (v) some are washed out of soil to rivers and streams where they can endanger aquatic life and cause pollution .

(5ci) Soil requirements:

(i) Deep , fertile well drained laomy soil (ii) loose and friable with high water retention (ii)Cocoa grows best in areas with 1140 – 2000mm annual rainfall, well distributed most of the year (iii)Needs constant supply of moisture

(5cii) Method of propagation:

(i) By seeds (ii) Vegetatively by budding and stem cutting

(5ciii) Planting date: Nursery is done October to January. Field(transplanting) between April and June

(5iv) Spacing: (i)Nursery : 20cm × 20cm (ii)Field : 3m × 3m

(5v) Two stage of processing:

(i) Breaking of pods: The pods are carefully opened with a blunt cutlass or by hitting them with heavy rod to remove from the cocoa beans

(ii) Fermentation: Cocoa beans can be fermented by using the sweat box or tray method for about five days. During the fermentation process, cocoa beans undergo chemical changes brought by the action of heat.

(5d) (Pick Any Four)

(i) weeds cause losses in crop yield. (ii) Reduce the quality of crop products. (iii)weeds lead to increased cost of farm operations thereby leasing to inefficiency of farm operations. (iv) form alternative hosts for pest. (v) certain weeds are poisonous and hence kill animals that feed on them. (vi) Reduce the quality of crop products .

==================================================

( SECTION C )

(7a) (i) Treat them with coccidiostat or anticoccidial drugs (ii) prophylactic use of coccidiostat in feeds (iii) vaccine and maintain good hygiene and sanitation practices

(7b) (PICK ANY THREE)

(i) coccidiosis (ii) Enteritis (iii) Ear canker mange (iv) Helminthiasis (v) Ringworm (vi) Sore hock (vii) Mastitis

(7c) (Pick Any Three)

(i)it is easier and less expensive than t mating since the farmer is saved the expense of maintaning a herd of male animals. (ii)It is easier and cheaper to import the semen of exotic breeds rather than the male animals themselves. (iii)It makes it possible to use the best male animal to a large extent. (iv)It is possible to service many females of different sizes leading to the production of many offsprings.

(7d) (Pick Any Four)

(i) Regular feeding (ii)Deweeding of the pond (iii) control of predators (iv) Regular application of fertilizer (v) constant supply of water (vi) Regular harvesting of matured fish

(7ei) (Pick Any One)

(i) Traditional method of bee keeping (ii) Modern method of bee keeping

(7eii) (Pick Any Two)

(i) location of apiaries far from human dwellings (ii) putting warning symbols near apiaries (iii) wearing of protection clothing (iv) use of smokers

( SECTION D )

(10a) (i) It is prone to financial misappropriation (ii) it does not always encourage individual enterprise (iii)It is prone to poor management due to unqualified and incompetent executive handling the cooperative societies.

(10b) (PICK ANY FIVE)

(i) A good extension worker must have the native intelligence to be original in his thoughts, words and actions (ii) A good extension worker must be patient and able to inspire the rural farmers to achieve the goals. (iii) A good extension worker must have initiative to tackle problems himself before referring them to supervisor. (iv)A good extension worker must possess good communication skills. (v)A good extension worker must have respect for culture and Traditions. (vi)A good extension worker should be able to attend all pre-arranged meetings, seminars workshops etc promptly

(10c) (PICK ANY FOUR)

(i) Cooperative societies (ii) Marketing/commodity boards (iii) wholesalers) Distributor (iv) Individual/private middlemen (v) Retailers (vi) Producers/Farmers

(10d) (PICK ANY FOUR)

(i)sales account (ii)purchase account (iii)farm valuation (iv)Cash analysis account (v)Farm income statement (vi) Balance sheet networth statement (vii)Profit and loss account

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NECO English Language Questions and Answers 2023/2024 ( Essay/Objectives)

NECO English Questions and Answers 2023. I will be showing you past English objective and theory repeated questions and NECO English Test of Oral for free in this post. You will also understand how  NECO  English questions are set and how to answer them.

The National Examinations Council (NECO) is an examination body in Nigeria that conducts the Senior Secondary Certificate Examination and the General Certificate in Education in June/July and December/January respectively.

Table of Contents

NECO English Language Objectives and Essay Answers 2023

The 2023 NECO English expo will be posted here today 26th July during the NECO English examination. Keep checking and reloading this page for the answers.

NECO 2023 English Answers Loading.. .

Wait patiently for the answers. It will soon be posted here

TEST OF ORAL ANSWERS

01-10: EDECEBBBEA

11-20: EBAADBCEEE

21-30: CEDAEBEEAD

31-40: BEAAABBCCD

41-50: DAAEEADDDA

51-60: EDAEBBAAEA

1-10: BACBEBECCA 11-20: DCDDBADBDD 21-30: DBDBEEEEBB 31-40: DBEEEDCBCA 41-50: BDCAABCADC 51-60: DACCCDCDDB 61-70: BACCCEEDEA 71-80: CDDEEBACDA 81-90: BABEACEBDE 91-100: ABEDEBDEBA

Dear Mother,

I hope this letter finds you in good health and high spirits. Thank you for your love and concern, as always. Your letter brought me much joy, and I am grateful for your support and interest in my future plans.

As I approach the end of my secondary school education here in Nigeria, I have carefully considered the profession I would like to pursue, and I am excited to share my decision with you. After much contemplation and soul-searching, I have set my heart on becoming a Civil Engineer.

I understand that this choice might come as a surprise to you, but allow me to explain my reasons for selecting this profession. First and foremost, I have always been intrigued by the world of construction and infrastructure development. Growing up in Nigeria, I have witnessed both the challenges and the opportunities we face in the field of civil engineering. The state of our roads, bridges, and public facilities often leaves much to be desired. I believe that as a civil engineer, I can play a pivotal role in improving the physical infrastructure of our nation, contributing to its progress and development.

Nigeria is a country with immense potential, and I am eager to be part of its transformation. With a rapidly growing population, there is a pressing need for skilled professionals who can design and build sustainable structures and systems. I want to be at the forefront of these efforts, ensuring that our communities have access to safe and reliable infrastructure.

Moreover, civil engineering is a field that offers diverse career opportunities. From designing and constructing buildings to working on transportation systems and water supply projects, there is a wide range of specializations within this profession. This flexibility excites me, as it allows me to explore different areas and find the niche that best aligns with my interests and strengths.

Another reason for choosing civil engineering is the potential to make a positive impact on the environment. I am deeply passionate about sustainability and environmental conservation. As a civil engineer, I can adopt eco-friendly practices and incorporate green technologies into my projects, reducing our ecological footprint and preserving the natural beauty of Nigeria for future generations.

Furthermore, pursuing a career in civil engineering is aligned with my academic strengths and interests. Throughout my secondary school education, I have consistently excelled in mathematics and physics. These subjects form the foundation of civil engineering, and I find great joy in applying their principles to solve real-world problems.

Lastly, I have conducted thorough research on reputable universities in Nigeria and beyond that offer excellent civil engineering programs. I am confident that with hard work and dedication, I can gain admission to one of these institutions and receive a quality education that will equip me with the skills and knowledge necessary to excel in this field.

In conclusion, I am passionate about becoming a civil engineer and contributing to the development of Nigeria. I believe that this profession aligns with my values, interests, and academic strengths, providing me with the opportunity to make a meaningful difference in the lives of my fellow citizens. Your unwavering support means the world to me, and I promise to work diligently towards achieving this goal.

Thank you once again for your love and encouragement. I look forward to your response and the guidance you can offer as I embark on this exciting journey.

                Yours lovingly,                 CHINEKS.

Indiscipline among Secondary School Students and Ways of Curbing it

Secondary school is a crucial phase in the life of a student where they are not only acquiring knowledge but also developing their personality and character. However, in recent years the issue of indiscipline among secondary school students has become a cause for concern. It is not uncommon to hear stories of students engaging in acts of vandalism bullying substance abuse and even violence. This indiscipline not only affects the overall learning environment but also hinders students’ personal growth and future prospects.

Indiscipline among students can manifest in various ways. Some students may consistently skip classes or arrive late disrupting the flow of learning. Others may engage in disruptive behavior during class interrupting the teacher and distracting fellow students. Then there are those who resort to violence or bullying creating a hostile and unsafe atmosphere. All these instances of indiscipline have long-term consequences for the students themselves as well as for their peers and the school community as a whole.

There are several underlying causes of indiscipline among secondary school students. One primary factor is the lack of proper guidance and supervision from parents or guardians. In many cases parents are too preoccupied with their own lives or neglectful of their children’s activities leaving them to their own devices. This lack of attention and guidance can result in students seeking their own path often leading to indiscipline.

Another contributing factor is the influence of peers. Teenagers are highly susceptible to peer pressure and can easily be swayed by their friends’ actions and attitudes. If a student’s social circle consists of individuals who engage in indiscipline it is highly likely that they will also indulge in such behavior. Schools need to create an environment where positive peer influence is encouraged and students have role models to look up to.

Furthermore the current education system often focuses solely on academic achievements putting immense pressure on students to perform well. This intense pressure can lead to stress anxiety and frustration among students making them more prone to indiscipline. It is imperative for schools to adopt a holistic approach to education considering the overall development of students’ physical mental and emotional well-being.

To curb the issue of indiscipline among secondary school students various measures can be implemented. Firstly there needs to be enhanced communication and collaboration between parents teachers and students. Regular parent-teacher meetings should be conducted to discuss student progress and any behavioral concerns. Parents should be actively involved in their child’s life providing guidance and support.

Additionally schools should prioritize character development and impart values such as respect empathy and responsibility. This can be done through extracurricular activities community service projects and workshops on life skills. By instilling these values early on students will be more likely to exhibit disciplined behavior and make positive choices in their lives.

Creating a safe and inclusive school environment is also crucial in curbing indiscipline. Schools should have strict policies against bullying violence and substance abuse with a zero-tolerance approach. Teachers should undergo training on conflict resolution and classroom management techniques to effectively deal with disciplinary issues. Encouraging open communication and providing counseling services are also important in addressing the underlying problems that may lead to indiscipline.

Ultimately curbing indiscipline among secondary school students requires a collective effort from parents teachers and the education system as a whole. By creating a nurturing and disciplined environment fostering positive values and providing appropriate guidance and support we can reshape the future of our students. Let us work together to instill discipline and ensure that our secondary school students are well-prepared for the challenges that lie ahead.

(5a) (i) The teacher shapes young minds, preparing them for future roles in the country’s economy. (ii) The teacher instills moral values in children who have been exposed to misguided teachings.

(5b) (i) The teacher becomes the focus of criticism from other groups concerned about the declining standard of education, even though the teacher lacks the power to improve on the infrastructure of the school or access grants for the enhancement of libraries or laboratories. (ii) The teacher is wrongly blamed for imposing illegal fees, which indicates a misunderstanding of the teacher’s responsibilities and financial role within the educational system.

(5c) The irony of life highlighted in the passage is that the teacher, who is the builder of a nation’s human resources and plays a crucial role in national growth and development, is despised and neglected by the people and institutions he serves.

(5d) Religious leaders impart the wrong values of affluence and fanaticism on the child.

(5e) The teacher addresses this issue by providing moral instruction in schools, emphasizing the importance of justice, love, honesty, sincerity, diligence, discipline, reward, and punishment in the process of re-orienting the students.

(5f) It means that the teacher willingly accepts the challenge or responsibility to address the misinformed teachings and re-orient the children in the right direction.

(5g) (i) Relative  clause. (ii) It modifies the noun, “parents.”

(5h) (PICK ANY ONE) (i) noble – honourable, decent (ii) cradle – start, beginning (iii) impart – convey (iv) affluence – wealth, opulence (v) denigrated – belittled, disparaged (vi) important – significant, essential

(6) -The electoral commission is responsible for organizing and conducting elections in a political system.

-The commission divides the country into constituencies or electoral districts to provide easier access for the electorate to express their franchise.

-It registers political parties according to laid down rules and regulations.

-The commission registers eligible voters, either manually or electronically, and facilitates the expression of their franchise through universal adult suffrage.

-The commission educates the electorate about election-related issues, including their rights, voting methods, party symbols, and proper voting procedures.

-It provides all necessary materials for an election and ensures the eligibility of aspirants.

————————————————————————————————————-

NECO English Questions and Answers For Practice

SECTION A: CONTINUOUS WRITING You are required to answer only one question from this section. Your answer should not be less than 450 words. All questions carry equal marks. You are advised to spend about 45 minutes on this section.

1. Write a story to illustrate the saying: prevention is better than cure. 2. Write an article suitable for publication in your school magazine on ways of improving reading culture among students. 3. You are a chief speaker in a debate on the topic: Our forefathers upheld our cultural values more than this generation. Write your argument for or against the motion. 4. Your best friend has just been suspended from school for truancy. Write a letter to him/her expressing your displeasure and advising him/her to turn a new leaf

  • NECO Economics Answers
  • NECO Biology Answers

The following NECO English questions are questions to expect in the 2022 NECO examination.

The questions below are the NECO past questions and answers that will help you in your 2022 NECO English Questions.

In each of the following sentences, there is one underlined word and one gap. From the list of words lettered A to D, choose the one that is  most nearly opposite  in meaning to the underlined word and that will, at the same time, correctly fill the gap in the sentence.

  • Most African countries face poverty while few enjoy ……………… A.  influence B.  money C.  affluence D.  power.
  • Last year our farmers cultivated more crops than they…………… A.  destroyed B.  uprooted C.  harvested D.  yielded

From the words lettered A to D, choose the word that  best completes  each of the following sentences.

  • There would have been a riot in our school but for the timely ……….. of our staff. A.  intervention B.  interruption C.  interference D.  invasion.
  •  The armed robbers …every room in the bank to look for money. A.   explored B.  ransacked C.  raked D.  swept.

After each of the following sentences, a list of possible interpretations is given.   Choose the interpretation that you consider  most appropriate  for each sentence.

  •  Ade is too clever by half. This means that Ade is A.  far cleverer than others B.  actually very stupid in his behaviour C.  annoyingly clever D.  behaving to be clever but is not.
  • Ameh is really being economical with the truth. This means that Ameh A.  is being praised for being honest B.  does not know enough C.  knows more than he is prepared to say D.  is not telling the truth.

See: NECO Examination Timetable

From the words lettered A to D below each of the following sentences, choose the word or group of words that is  nearest in meaning  to the underlined word as it is used in the sentence.

  • By failing to attend the interview, Idoko has lost a golden opportunity. A.  blessed B.  bright C.  good D.  delightful.
  • I hope the principal would be gracious enough to forgive us. A.  cordial B.  polite C.  merciful D.  gentle.

From the words or group of words lettered A to D, choose the word or group of words that  best completes each  of the following sentences.

  • A good citizen abides …..  the rules of the land. A.  with B.  in C.  at D.  by
  • Since his swearing in, the governor ………..  his hometown. A.  had not been visiting B.  has not visited C.  did not visit D.  had not visited.

NECO English Essay Question Section A: 50 Marks

(1) the literary and debating society of your school is organizing a debate on the topic: poverty, and not corruption is the bane of our society. Write your arguments for or against the motion

(2) write an article suitable for publication in a national newspaper on the danger posed by the use of commercial motorcycles in our cities and suggest ways of curbing them

((3) write a story that best illustrates the saying: A leopard cannot change its spots

4)write a letter to the honourable minister of agriculture on ways of bossing agriculture in your country

NECO 2023 English Language Answers and Questions

The following has been proving itself very useful in time like this, follow it and passing the  NECO  English Language Exam can never be a problem for you.

Tips on How to Pass NECO English Examination

The following tips will walk you through to pass your NECO English language examination.

Have a Target and Work Towards Actualizing it 

You have decided to pass NECO English 2023 and I am sure of that. Now, the next thing you should do is set targets.

You have told yourself, “I will score A in NECO English Language 2023”, that’s not all. You need to plan on how to make it happen. Create a timetable and master plan to achieve your goals.

 Get the Recommended Textbook on English Language  for 2023 NECO Examination

Normally, Neco recommends books for the examination. But apart from NECO Literature in English where certain novels are compulsory, you are free to use any good English Language textbook to prepare for NECO 2023 exam.

Some textbooks are more difficult to understand. If you have any topic you are finding difficult to understand, then get a textbook that will simplify the topics and make life better for you.

 Do not Skip English Language Examples and Exercise you Will Come Across While Reading: 

Many candidates are fond of skipping exercises and even examples while studying textbooks. In fact, we like notebooks so much that we could ask, “can I read my notebook and pass NECO English Language 2023?” Don’t be scared of attempting exercises in Biology. Face the challenges.

Note: The above questions are likely NECO English Questions and Answers not the real questions

If you have any questions about the NECO English Questions and Answers 2023 , kindly drop your question in the comment box.

Last Updated on July 26, 2023 by Admin

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358 thoughts on “NECO English Language Questions and Answers 2023/2024 ( Essay/Objectives)”

Please l need the answers on neco 2023

I need neco English language essay ad objective

Please give me the questions and answers for today english language

I need the English language question and answer

I need the English answer’s by 7

I need English questions paper 2022

I need neco English question and Answers tomorrow

Bekeking is the only sit I can trust. Thanks a lot for providing. answers for millions of studen .

Please i need english for next tomorow

I need the neco essay and theory thanks

I need Questions on English language Neco 2023

Plz answer for tomorrow

I NEED ECONOMICS ANSWER

thank you for the year research answers

I need biology qusetion/answer for NECO 2023?

Pls i need literature answers for theory tomorrow

Please i need mathematics 2022 questions and answers

Please answers for English tomorrow

please I need English objective and essay

Please I need the English essay questions NECO and WAEC 2022. Thanks

I need answers for commerce for tomorrow 20220 NECO

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Here are the 5 best cruise insurance plans

Cruise insurance can cover many situations, but you need to shop around to find the best coverage..

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A cruise is an ideal vacation for anyone who likes the all-inclusive concept , where you pay one price and have just about everything taken care of, from accommodations to meals and activities. But they also aren't always cheap and a lot of things can go wrong. You could have a flight delay that causes you to miss your departure or be unable to sail because of a sickness. In these situations, cruise insurance can reimburse you for prepaid and non-refundable expenses.

CNBC Select analyzed 19 cruise insurance companies and selected the best plans for various situations. (See  our methodology  for more information on how we chose the best cruise insurance plans.)

Best cruise insurance

  • Best overall: Nationwide Travel Insurance
  • Best for affordable coverage : AXA Travel Insurance
  • Best for adventure excursions: World Nomads
  • Best for pre-existing conditions: Seven Corners Travel Insurance
  • Best for cancel-for-any-reason coverage: Travel Guard Travel Insurance

Best overall

Nationwide travel insurance.

The best way to estimate your costs is to request a quote

Policy highlights

Nationwide's wide coverage for travel insurance allows many different types of travelers to find coverage that fits their needs. Three levels of cruise insurance coverage gives extra options to cruise passengers.

24/7 assistance available

  • 10-day review period on cruise insurance policies to make sure the plan meets your needs (not available in NY or WA)
  • Most basic cruise plan doesn't offer CFAR coverage

Who’s this for? Nationwide is a top choice for many travelers due to its variety of cruise-specific coverage. The insurer offers three three tiers of cruise insurance, but its standard Universal Cruise Plan should meet many needs.

Standout benefit: Nationwide's cruise-specific plans can cover things like emergency accidents, sicknesses, itinerary changes, mechanical breakdowns and other trip interruptions or on-ship disruptions. The company also offers a 10-day review period on its cruise policies (not available in NY or WA), giving you extra time to look over the policy and ensure it’s a good fit. 

[ Jump to more details ]

Best for affordable coverage

Axa assistance usa travel insurance.

AXA Assistance USA offers several travel insurance policies that include travel interruption, trip cancellation, and the option of cancel for any reason (CFAR) coverage.

  • Three tiers of plans available
  • Highly rated for financial strength
  • Cancel for any reason only available on highest-tier coverage

Who’s this for? Budget-conscious cruisers should consider AXA . In our research, AXA's Silver Plan stood out as the top budget plan for its mix of affordable premiums and essential coverage. CNBC Select also named AXA one of the best overall travel insurance providers .

Standout benefit: AXA's Silver Plan includes the standard coverage you need to protect yourself from delays and cancellations, as well as employment layoff coverage. This benefit reimburses you for prepaid and nonrefundable travel costs if you cancel because of involuntary layoff or you are terminated from your job. You only need to have been at your current employer for one continuous year to qualify, which is generous compared to other plans that require at least three continuous years of employment for this coverage — if it's even included at all.

Best for adventure excursions

World nomads travel insurance.

World Nomads offers travel insurance for all sorts of travelers, from families to solo adventure travelers. Policies are underwritten by Nationwide and offer strong coverage of emergency accident and illness situations, as well as emergency evacuation scenarios.

  • Affordable coverage for many travelers
  • Coverage for adventure activities like scuba diving, bungee jumping and more
  • Lower trip cancellation limits than other travel insurance we reviewed

Who’s this for? World Nomads offers insurance underwritten by Nationwide , geared specifically toward thrill-seekers. The World Nomads Explorer Plan covers over 200 adventure activities and sports. With this plan, you can take part in just about any excursion without fear of negating your coverage .

Standout benefit: The World Nomads Explorer Plan covers baggage and personal items for loss, theft or damage for up to $3,000 and $1,500 per item. Sporting equipment is included in this coverage, so you can bring your golf clubs along on your cruise without worry.

Best for pre-existing conditions

Seven corners travel insurance.

Policies provide missed and delayed tour/cruise connection coverage. Cancel for any reason coverage and pre-existing conditions waiver are also available if you buy your plan within the specified time. ***CFAR and IFAR are subject to certain eligibility criteria and are not available in all states

  • High coverage limits available
  • Offers group insurance (10+ people)
  • Covers Covid-19 illness
  • Pre-existing conditions waiver not available for the Economy plan
  • Cancel for any reason not available for the Economy plan

Who’s this for? Seven Corners offers a standard Trip Protection Economy plan and a more premium Trip Protection Elite plan. The Seven Corners Trip Protection Elite plan stands out for offering generous coverage limits and an add-on option for cancel for any reason (CFAR) coverage, which both pair well with its pre-existing conditions waiver.

Standout benefit: This plan's pre-existing conditions waiver for medical coverage applies to plans purchased within 20 days of booking and paying your initial trip deposit. That's a generous window compared to some plans which can require you to purchase insurance within seven to 14 days. If you don't purchase your coverage within the waiver window, this plan only considers conditions existing within the previous 60 days, whereas other plans may look back up to 120 days.

Best for cancel for any reason coverage 

Travel guard® travel insurance.

Travel Guard offers a variety of plans to suit travel ranging from road trips to long cruises. For air travelers, Travel Guard can help assist with tracking baggage or covering lost or delayed baggage.

  • A variety of plans are available to help cover different types of trips
  • Not all products are available for purchase online

Who’s this for? AIG's Travel Guard Preferred plan comes with a wide range of coverages and a variety of useful add-ons for an extra fee such as pet coverage , wedding coverage and cancel for any reason coverage (CFAR).

Standout benefit: The optional CFAR insurance for this plan begins at 12:01 a.m. on the day after you pay for coverage and ends two days before departure (or when the travel is canceled). This benefit reimburses up to 50% of the trip cost (up to $25,000 maximum), which includes reimbursement for:

  • 50% of change fees
  • 50% of cancellation penalties for unused travel
  • 50% of award travel redeposit fees

More on our top cruise insurance plans 

Nationwide universal cruise plan.

Nationwide's standard Universal Cruise Plan will be more than sufficient for many cruisers. It offers strong coverage for many different scenarios, but if you're seeking higher levels of coverage or are taking a long cruise, you can opt for the Choice Cruise Plan, or the Luxury Cruise Plan, which offers the highest level of benefits.

Trip cancellation and interruption

The full trip cost (100%) is covered for both cancellations and interruptions. This includes canceling because of a Covid-19 illness .

Covered delays of six hours or more (or at least three hours for missed connections) are eligible for reimbursement of:

  • Up to $500 per day
  • $500 maximum

Medical coverage and evacuation and repatriation

  • $75,000 in emergency accident and sickness coverage
  • $250,000 in evacuation and repatriation coverage
  • $750 in emergency dental treatment coverage

Pre-existing conditions

No coverage for pre-existing conditions that fall within 60 days of your policy's start date.

Notable perks

All of Nationwide's cruise plans, including the Universal Cruise Plan, include cancel for work reason coverage, meaning you may be covered if you need to cancel because of work-related issues, as well as coverage for extension of the school operating session. The Universal Cruise Plan also provides coverage for delayed and lost baggage, which begins to kick in after delays of eight hours or more, as well as coverage for trip delays of three hours or more for missed connections or other trip delays of six hours or more. You can also get reimbursed if your trip is canceled or interrupted because of terrorism (foreign or domestic) or financial default of the travel provider (14-day waiting period applies). Itinerary changes that cause you to miss a pre-paid excursion are covered by up to $250.

[ Return to summary ]

AXA Silver Plan

AXA offers three insurance plans, with the Silver Plan being the most affordable. The Gold Plan has most of the same types of coverage with higher reimbursement limits. Meanwhile, the Platinum Plan is for anyone who prefers premium benefits, such as cancel-for-any-reason coverage.

The full trip cost (100%) is covered for both cancellations and interruptions. This includes canceling because of a Covid-19 illness.

After a 12-hour delay or more, you're eligible for:

  • Up to $100 per day
  • Primary medical coverage of $25,000 per (covers Covid-19)
  • Evacuation and repatriation coverage of $100,000 per person

No coverage for pre-existing conditions that fall within this policy's 60-day look-back period.

AXA's Silver Plan comes with coverage for delayed and lost baggage, including $200 per person for covered delays of 24 hours or more and $750 per person ($150 per item) for lost baggage and items. You can also get reimbursed if your trip is canceled or interrupted because of terrorism (foreign only) or financial default of the travel provider (10-day waiting period applies). If a hurricane or bad weather causes your travel provider to cease services for at least 48 hours, you can be reimbursed for up to the full trip cancellation/interruption coverage. Notably, you must purchase the coverage before a storm is named.

World Nomads Explorer Plan

The Explorer Plan is World Nomads' premium travel insurance plan and covers a longer list of activities than the Standard Plan. You can review the list of covered activities here and decide if the more affordable Standard Plan works for you.

Covered up to the trip cost with a $10,000 maximum.

Covered delays of six hours or more are eligible for reimbursement of:

  • Up to $250 per day
  • $3,000 maximum
  • $100,000 in emergency accident and sickness coverage
  • $500,000 in evacuation and repatriation coverage

No coverage for pre-existing conditions that fall within 90 days of your policy's start date.

This plan includes $35,000 in rental car damage coverage (where it's valid) due to collision, theft or a natural disaster. And an accidental death and dismemberment benefit of $10,000. When your baggage is delayed for more than 12 hours, you can be reimbursed up to $150 a day ($750 maximum) for any necessary personal items you purchase.

Seven Corners Trip Protection Elite

The Seven Corners Trip Protection Elite plan has generous coverage limits for evacuation and repatriation and accident and sickness. Seven Corners Travel Insurance plans also cover Covid-related illnesses.

Trip cancellations are covered for 100% of the trip cost and interruptions are covered for 150% of the trip cost.

Trip delays of six hours or more can qualify for reimbursement of:

  • Up to $300 per day
  • $1,500 maximum
  • $250,000 in emergency accident and sickness coverage
  • $1,000,000 in evacuation and repatriation coverage
  • $750 in emergency dental coverage

Pre-existing conditions are covered if you purchase coverage within 20 days of making your initial trip deposit. If you don't qualify for the pre-existing conditions waiver, there is no emergency medical coverage for conditions existing within 60 days of your policy's start date.

This plan covers baggage delays of more than 12 hours for up to $600 and covers lost, damaged or stolen bags or personal items for up to $300 per item ($2,500 maximum). It also has missed cruise connection coverage of $150 per day for accommodations and meals ($1,500 maximum).

AIG Travel Guard Preferred

The CFAR coverage is available as an upgrade on Travel Guard's Preferred and Deluxe plans. If you don't need this optional upgrade, you could save money on your premium with Travel Guard's Essential plan.

Trip cancellations are covered for 100% of the trip cost (up to a max of $150,000) and trip interruptions are covered for 150% of the trip cost (up to a max of $225,000).

Trip delays of five hours or more can qualify for reimbursement of:

  • Up to $200 per day
  • $800 maximum
  • $50,000 in emergency medical coverage
  • $500 in emergency dental coverage

A pre-existing conditions waiver applies when you purchase coverage within 15 days of the initial trip deposit.

With this plan, you'll have coverage for lost, stolen or damaged baggage or travel documents for up to $1,000. You also receive baggage delay reimbursement for delays of more than 12 hours with a coverage limit of up to $250 per day ($300 maximum). If you miss a connection, you can be reimbursed up to $1,000 for unused prepaid or nonrefundable travel you missed and transportation expenses to rejoin your trip.

When should I buy insurance for a cruise?

It's usually best to purchase cruise insurance shortly after booking. This lets you take advantage of the protections sooner and qualify for certain benefits such as pre-existing condition waivers.

Is there a difference between travel insurance and cruise insurance?

Travel insurance typically covers cruises and other types of travel, whereas cruise insurance is designed to specifically protect you while cruising or getting to your cruise.

Does cruise insurance cover missed ports?

Cruise insurance may cover missed connections, but it's important to read your policy before you purchase it. Each policy has different limits on how much you'll be reimbursed and what exactly you'll be reimbursed for.

Bottom line

Cruise insurance plans protect you in all sorts of situations when something goes wrong while you're cruising. You can be covered for emergency medical expenses, trip delays, trip cancellations or interruptions and more. Shop around and compare providers to find the best cruise insurance policy for you.

Money matters — so make the most of it. Get expert tips, strategies, news and everything else you need to maximize your money, right to your inbox.  Sign up here .

Why trust CNBC Select?

At CNBC Select, our mission is to provide our readers with high-quality service journalism and comprehensive consumer advice so they can make informed decisions with their money. Every cruise insurance   review is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of travel insurance   products .  While CNBC Select earns a commission from affiliate partners on many offers and links, we create all our content without input from our commercial team or any outside third parties, and we pride ourselves on our journalistic standards and ethics. See  our methodology  for more information on how we choose the best cruise insurance plans.

Our methodology 

To determine the best cruise insurance plans,  CNBC Select  analyzed the offerings of 19 insurance companies and compared them based on various factors. These included the maximum coverage limits, optional coverages, types of coverage, premiums and what the policies cover. We also considered financial strength ratings from AM Best and Better Business Bureau ratings for customer satisfaction.

We based premium costs on a sample cruise with the following details (when applicable):

  • 40-year-old male
  • Living in New York, New York
  • Sailing for seven days in April
  • Total trip cost: $2,800
  • Destination: Mexico
  • Flying to the port of departure

Sample quotes assumed that payments were made on the date of quoting.

Note that the premiums and policy structures advertised for cruise insurance companies are subject to fluctuate in accordance with the company's policies.

Catch up on CNBC Select’s in-depth coverage of credit cards , banking and money , and follow us on TikTok , Facebook , Instagram and Twitter to stay up to date.

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Cruise travel insurance: What it covers and why you need it

Gene Sloan

What does cruise travel insurance cover? And does it pay to buy cruise travel insurance?

The answer is not always clear-cut, as we'll discuss in this guide. But consider this: It's not always smooth seas when it comes to cruising. Even the best-laid plans for a cruise vacation can sometimes be thrown off course by an unexpected event.

You might need to cancel a cruise in advance due to the sudden onset of an illness, such as COVID-19 or the flu. Or, maybe you fall ill during the cruise and need emergency medical attention. Maybe your flight to your ship gets canceled, and you miss the vessel's departure. Or your ship is late arriving in port at the end of a voyage, and you miss your flight home.

In all of these situations, you might benefit from having cruise travel insurance — keyword "might."

Cruise insurance policies vary widely, and not every policy covers every type of mishap. That's why it always pays to read the fine print in a travel insurance policy before you purchase it to know what you're getting in advance.

It's also why you should read this introduction to everything you need to know about cruise insurance. It has many details, but the next time something unexpected happens on your cruise vacation, you'll be glad to be educated and covered by a comprehensive travel insurance policy.

What does travel insurance cover when you cruise?

The typical cruise insurance policy covers a wide range of circumstances that can go wrong in conjunction with a vacation at sea — both before and during the sailing.

For starters, policies often will reimburse you for the cost of canceling a cruise due to a last-minute crisis. They will also often cover costs related to an interruption of a cruise (maybe your ship breaks down, requiring you to fly home mid-voyage ). These two elements are known as trip-cancellation and trip-interruption insurance, and they are bundled into a typical travel insurance policy.

Some policies will also cover out-of-pocket costs related to a flight delay or cancellation that results in you missing your cruise departure (for instance, the cost of catching up to the ship at its next port). Expenses related to baggage delays and loss are often covered as well.

But perhaps most importantly, many travel insurance policies will cover medical expenses you incur while on a cruise. Some will even cover the cost of evacuating from a foreign destination if you are in the midst of a medical crisis.

Travel insurance giant Allianz Global Assistance reports that 53% of all cruise-related "billing reasons" for claims are because of illness for the insured person, while 14% are for an injury. Another 8% are for the illness of a family member, 4% for the death of a family member and 4% for the illness of a traveling companion, among other reasons.

land and cruise travel insurance

Those percentages include illness and accidents that happen to cruisers just before a trip, making travel impossible. But, in many cases, such claims result from illness and injuries that occur during voyages.

"People often take risks during vacation that they might not take back home, whether riding a jet ski, zipping around on a motorized scooter in a city they don't know well or hiking unfamiliar terrain," James Page, senior vice president and chief administration officer of AIG Travel, told TPG .

Some policies also cover the financial default of a travel provider. In such cases, if your cruise line goes out of business before you sail, you could get all — or at least some — of your money back.

Cruise travel insurance policies don't cover everything. For instance, standard travel insurers generally will not reimburse you for the cost of a cruise you cancel due to worries about an outbreak of an illness. That's true even if a U.S. government agency such as the U.S. Centers for Disease Control and Prevention issues a recommendation that you don't cruise due to an illness outbreak, as it did during the COVID-19 pandemic .

If you want the ultimate flexibility to cancel for such a reason or any other, you'll want to look into a more expensive cancel for any reason travel insurance upgrade.

Related: Avoiding outbreaks isn't covered by most travel insurance policies

Where to find a cruise travel insurance policy

You can buy a travel insurance policy directly from your cruise line when booking your trip or through your travel agent (if you're using one, which often is a good idea when booking a cruise). You also can go directly to a third-party travel insurance provider or a travel-insurance aggregator site, such as InsureMyTrip or TravelInsurance . Your credit card might even give you some travel protections.

Here's what you need to know about each type of cruise travel insurance.

Third-party insurance companies

Third-party insurance companies that specialize in writing travel insurance include AIG Travel, Allianz Travel Insurance, Travelex Insurance and American Express Travel Insurance.

One reason to use a travel agent or a travel aggregator: They can help you find a policy that offers added coverage specific to cruising.

Related: The Points Guy's guide to the best travel insurance companies

"Many plans now offer benefits that will specifically appeal to cruise travelers, such as missed connection, missed port-of-call and cruise disablement coverage," Stan Sandberg, cofounder of TravelInsurance.com, said.

Missed connection coverage reimburses cruisers for a set dollar amount if they need to rebook travel to catch up with their cruise at the next port. Missed port-of-call coverage pays a benefit if the cruise ship misses a scheduled port of call due to weather, a natural disaster or a mechanical breakdown.

Cruise disablement coverage pays a benefit if the traveler is confined on a ship for more than five hours without power, food, water or restrooms.

As noted, policies vary widely. It's a good idea to compare plans and make sure the one you buy has the elements that are most important to you. One size doesn't fit all.

Credit cards with travel benefits

Some premium credit cards offer valuable travel protections comparable to what you might get from a standard travel insurance plan. For example, the travel insurance provided when you pay for travel with select cards can reimburse you for expenses if your baggage is damaged, you're stranded overnight due to a flight delay or cancellation, or you have to return home to handle a family medical emergency.

The Chase Sapphire Reserve card, for example, offers trip delay reimbursement, trip cancellation and interruption insurance, emergency medical coverage and even medical evacuation coverage , among other benefits. And yes, cruise lines are considered common carriers just like airlines.

If you're planning to rely on a card like the Chase Sapphire Reserve or The Platinum Card® from American Express * (among others) for travel insurance, just be sure to recheck your card's benefits and limits carefully against regular travel insurance. You must pay for at least part — and sometimes all — of the trip with that credit card to take advantage of its protections.

*Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. Policies are underwritten by New Hampshire Insurance Company, an AIG Company.

Related: The best credit cards for booking cruises

Find out if your credit card protection includes travel accident insurance or covers preexisting medical conditions, and figure out when it will pay you back. Other questions to ask: What are the coverage limits? Will you have to pay for a foreign hospital bill upfront and then seek reimbursement later?

Cruise lines

Cruise lines often ask consumers booking a cruise to buy the line's own protection at the time of purchase. If specifics about the coverage are lacking, always ask the line for details in advance, review coverage perks and limits; then, compare those to one or two independent travel insurance policies or your credit card's insurance benefits.

Related: A beginners guide to picking a cruise line

Cruise line travel insurance policies sometimes have quirks. Many cruise companies will only offer a travel voucher or credit for future use in the event of a covered cancellation, not an outright refund.

Also, financial default may not be a covered event in a cruise line-sold policy, but it's typically covered with plans from third-party travel insurance companies.

Cruise line policies also can be more restrictive.

"Cruise line insurance seems to have become better and has more widespread coverage than in the past, but it typically won't cover air or pre- and post-travel [arrangements] unless those elements are purchased through [the line]," said Debra Kerper, a Cruise Planners travel adviser from Carrollton, Texas, who books travel and sells private insurance. "This is when private insurance coverage becomes so very important."

How much does cruise insurance cost?

Expect to pay anywhere from 4% to 8% of your total prepaid, nonrefundable trip expenses for a travel insurance policy. That's a wide range, we know, but it reflects the wide range of products out there.

You'll also find some basic plans that cost even less than 4% of your trip expenses, while some super-premium plans that cover just about any conceivable issue can cost as much as 12% of your trip expenses.

Related: What's included in your cruise fare?

All reputable insurance companies will offer a "free-look period" during which you can receive a 100% refund on your premium. This allows you to review the policy you've selected and return it for any reason within the period allotted — usually for a small administration fee of less than $10.

land and cruise travel insurance

Under normal circumstances, you don't need to purchase a so-called "cancel for any reason" add-on to your cruise travel insurance policy unless you really need the flexibility. The upgrades are significantly more expensive.

You can receive a quote and purchase a policy online in minutes with any credit card. Although you may think travel insurance should code as "travel" when paid on a credit card and thus be eligible for bonus points on certain cards, that isn't always the case. Your points earnings will depend on the individual underwriter's merchant code. When in doubt, expect the purchase to fall under the insurance category for earnings.

Should I buy travel insurance for a cruise?

Whether you buy travel insurance is a personal decision that will depend on many factors. Would you be willing to absorb the loss of canceling a cruise on short notice due to an illness or accident? Could you afford an evacuation flight from a far-off port if you suddenly became seriously ill? Only you can answer those sorts of questions.

Here are some things to consider as you make that decision.

You might not be covered by regular medical insurance while cruising

If you're a U.S. citizen traveling internationally (which will be the case for most cruises), you may find that most private medical insurance plans in the U.S. won't cover you.

Additionally, Original Medicare only covers people traveling outside U.S. borders in limited circumstances.

While certain Medicare Supplement Plans do have some foreign emergency medical benefits, not all do. Be sure to talk to your Medical Supplemental Plan provider to see if you're covered, what's covered, what the limits are and how the bill is paid.

Also note that, in some countries (particularly those in Central and South America), travelers may not be discharged from a hospital until their bill is paid in full.

Related: Trip wrecked: 7 ways to prepare for any kind of travel disaster

Plus, if you have a medical incident overseas, you could find yourself stuck in a shared hospital room without air conditioning or a private bathroom. The level of care may not be what you expect.

"For people traveling internationally, it's crucial to know beforehand where to go for any treatment … and how they're going to pay for that treatment," Page said.

Getting evacuated for a medical condition is expensive

Most airlines won't accept seriously ill passengers, those carrying bulky medical equipment or those requiring a full medical team.

Even a low-cost weekend getaway on a cruise to the Bahamas out of Miami can turn costly if you suffer a serious accident or illness requiring medical treatment or an emergency medical evacuation.

Related: Do cruise ships have doctors, nurses, medical centers or hospitals?

Being flown back to the U.S. from a far-flung overseas location in a private, medically equipped aircraft, with a professional medical team on board, can run between $70,000 and $180,000, according to Mike Hallman, president and CEO of Medjet, a medical transport membership company.

"Domestic transports, which we cover as well, can cost upwards of $30,000," Hallman said.

Without proof of medical evacuation coverage, foreign providers will also want that money upfront. Hallman said that regular travel insurance will typically get you to an acceptable overseas hospital and even to a higher-level care facility if "medically necessary." Alternatively, medical evacuation coverage means you can fly home to your own hospital, doctors and family — without claim forms, cost caps on transports or surprise bills.

The tandem approach — buying both travel insurance and a separate medevac transport membership — is a good option, Hallman said.

"We always recommend travel insurance, as it covers trip interruption, which is important, as well as medical coverage for the hospital and treatment costs," he said. "We pick up where they leave off."

You can't predict the weather

Cruising is a great way to explore multiple destinations in one trip. But it's good to remember that unexpected delays, interruptions or cancellations due to weather can happen during cruises, particularly during hurricane seasons in places such as the Caribbean and Asia (where hurricanes are called typhoons).

land and cruise travel insurance

During a typical hurricane season (June 1 to Nov. 30), Allianz pays about 6,000 claims from customers whose travel plans in the Caribbean, Gulf of Mexico and southeastern U.S. are affected by the storms, according to a spokesperson for Allianz Global Assistance USA.

If you're hoping to insure against a storm-related disaster, it's good to buy travel insurance as early as possible. Once a storm or hurricane is named, it's too late to buy travel insurance to cover it.

Of course, cruise lines will move ships away from a weather threat. When the port lineup is adjusted or the cruise shortened, the company will offer the guest an onboard credit, onboard gift or future cruise credit rather than any refund. It depends on the circumstances of that specific voyage. You won't be able to make a claim on your cruise travel insurance policy just for a minor itinerary change .

Related: Everything you need to know about cruising during hurricane season

Costs can mount quickly when things go wrong

Even if the cruise line does provide a full or partial refund or cruise credit for an itinerary change or some other interruption, travelers could have to swallow the cost of other travel elements not purchased through the line. That could include nonrefundable flights , prepaid resort or hotel nights, nonrefundable tour fees and more.

Travel insurance can cover those, plus help with flight delays or cancellations, baggage loss or theft.

If a winter storm causes you to miss your flight to where the ship is boarding , "travel insurance could help you get to the next port to join the cruise, so you don't miss your entire trip," Page said.

In fact, 13% of "billing reasons" for claims to Allianz are for common carrier delays (such as a flight delay), while weather and natural disaster-related claims account for about 3%.

The government probably won't bail you out

While cruise ships have medical facilities, they're usually not equipped to treat serious illnesses. If you experience a serious medical problem on a vessel, you may have to get off the ship in a foreign port to seek treatment at a hospital. In such a case, if you don't have medical evacuation insurance, you may then find yourself stranded in that port awaiting a medical evacuation.

Don't expect Uncle Sam to step in and help foot the bill.

The U.S. Department of State's Bureau of Consular Affairs clearly states the importance of buying travel insurance.

"The U.S. government does not provide medical insurance for U.S. citizens overseas," the bureau says on the website. "We do not pay medical bills. You should purchase insurance before you travel."

land and cruise travel insurance

You may need more assistance than you think

If you're injured or become severely ill during a cruise, especially in a foreign country, it may be difficult to access help without the assistance of trained professionals that comes with many insurance plans.

Many travel insurance companies provide around-the-clock assistance with locating overseas clinics and pharmacies, getting to a doctor or hospital, refilling lost or depleted prescriptions, assisting with up-front payments to hospitals, and arranging flight changes so you can get home.

Travel insurance companies also can arrange for an air ambulance, a nurse escort, oxygen and a lie-flat seat on a flight home if your medical condition warrants it.

You want to be careful if you have preexisting conditions

When you cruise, it's important to be fully covered, which means having comprehensive medical coverage that includes any preexisting conditions. Otherwise, if you head into a doctor's office overseas, have any tests completed, or visit an urgent care center or emergency room, you might not be covered.

Here, timing is extremely important. Cruisers seeking coverage of preexisting conditions, as well as cancel for any reason insurance, generally must book within seven to 21 days of the first payment they make for a trip. The timing varies by insurer.

Cruise insurance isn't for every traveler — or even for every sailing. It's not inexpensive. However, it can bring a lot of peace of mind if you're about to head out to sea. Do your homework, compare plans and always assess the risks.

Planning a cruise? Start with these stories:

  • The 5 most desirable cabin locations on any cruise ship
  • The 8 worst cabin locations on any cruise ship
  • A quick guide to the most popular cruise lines
  • 21 tips and tricks that will make your cruise go smoothly
  • Top ways cruisers waste money
  • 12 best cruises for people who never want to grow up
  • The ultimate guide to what to pack for a cruise

U.S. News takes an unbiased approach to our recommendations. When you use our links to buy products, we may earn a commission but that in no way affects our editorial independence.

Cruise Insurance: Why You Need It + 4 Best Options for 2024

land and cruise travel insurance

Seven Corners »

land and cruise travel insurance

Travelex Insurance Services »

land and cruise travel insurance

AXA Assistance USA »

Berkshire hathaway travel protection ».

Why Trust Us

U.S. News evaluates ratings, data and scores of more than 50 travel insurance companies from comparison websites like TravelInsurance.com, Squaremouth and InsureMyTrip, plus renowned credit rating agency AM Best, in addition to reviews and recommendations from top travel industry sources and consumers to determine the Best Cruise Insurance Plans.

Table of Contents

  • Seven Corners
  • Travelex Insurance Services

Cruise vacations come with the same considerations as any other trip, including the potential for trip cancellations, trip interruptions, unforeseen medical expenses and even a need for emergency medical evacuation. Add in the potential for unruly weather during hurricane season , and it's easy to see why cruise insurance plans are so popular and recommended.

Read on to find out which cruise travel insurance plans U.S. News recommends and how they can protect the investment you made in a cruise when something goes wrong.

Frequently Asked Questions:

All cruise insurance plans are unique, and some have different coverages than others. However, most travel insurance plans for cruises cover the following:

  • Trip delays, interruptions and cancellations: This kind of coverage is essential any time of the year, but especially during hurricane season when storms can impact your travel plans. 
  • Protection for medical emergencies: This type of coverage can help pay for unexpected medical bills if you're injured on board the ship or hurt during a shore excursion. You can also choose a cruise insurance plan that covers emergency medical evacuation from the ship or to the nearest hospital.
  • Coverage for lost or delayed baggage: Coverage for baggage is important for cruises just like any other trip. This type of insurance can pay for essential items you need to buy if your bags are lost or stolen and don't make it on the ship. 

With each of these protections, a coverage limit is listed with your plan. This means you may get reimbursed for your losses or prepaid travel expenses up to this limit, but only when a covered reason applies to your claim.

One of the main reasons to buy cruise insurance is for medical emergencies. Note that, once you're on a cruise ship or visiting a destination outside the United States, your own U.S. health insurance plan will not apply. The same truth applies if you have government health coverage like Medicare.

You can purchase cruise insurance through your cruise line, but these plans are often very basic with low limits for medical expenses and other coverages. For example, cruise line travel insurance policies often come with just $25,000 in coverage for emergency medical expenses and up to $50,000 in coverage for emergency medical evacuation, which may not be enough.

Fortunately, you can buy cruise insurance from any travel insurance provider when planning this type of trip. By buying coverage from an independent travel insurance provider instead of your cruise line, you get to select the exact coverages and limits you need for the best protection possible.

  • Seven Corners: Best Overall
  • Travelex Insurance Services: Best for Families
  • AXA Assistance USA: Best for Medical Emergencies
  • Berkshire Hathaway Travel Protection: Best Cost

Plan is cruise-specific

Get coverage for missed cruise connections and tours

Medical expense coverage is secondary if you opt for lower-tier Basic plan

  • Up to 150% in reimbursement for trip interruption
  • Up to $250 per person, per day in trip delay coverage ($2,000 maximum)
  • Up to $250 per day in missed tour or cruise connection coverage ($1,500 maximum)
  • Primary emergency medical expense coverage worth up to $500,000
  • Medical evacuation and repatriation of remains coverage worth up to $1 million
  • Political and security evacuation coverage worth up to $20,000
  • Up to $2,500 in protection for baggage and personal effects (limit per item of $250)
  • Up to $100 per day ($500 maximum) in coverage for baggage delays of six hours or more

Travel Select plan offers coverage with pricing for kids included

Customize your plan with additional medical coverage, adventure sports coverage and more

Only $1,000 in coverage for baggage and personal effects

$200 maximum coverage for baggage delays

  • Trip cancellation coverage worth up to 100% of total trip cost (maximum $50,000)
  • Trip interruption coverage worth up to 150% of trip cost (maximum $75,000)
  • $2,000 in trip delay coverage for a delay of at least five hours ($250 per day)
  • $750 in coverage for missed connections (delay of at least three hours required)
  • Emergency medical expense coverage worth up to $50,000 (dental emergency sublimit of $500 included)
  • Emergency medical evacuation coverage worth up to $500,000
  • $1,000 in protection for baggage and personal effects
  • Up to $200 in coverage for baggage delays (at least 12-hour delay required)
  • Travel assistance services

Provides comprehensive coverage for all aspects of cruising

High policy limits for medical expenses and emergency evacuation

Does not offer cruise-specific travel insurance

  • Trip cancellation coverage up to 100%
  • Trip interruption protection up to 150%
  • $1,250 in travel delay coverage ($300 per day)
  • $1,500 in protection for missed connections
  • Emergency accident and sickness coverage up to $250,000
  • Emergency medical evacuation coverage up to $1 million
  • Nonmedical emergency evacuation coverage up to $100,000
  • $50,000 in accidental death and dismemberment coverage
  • Baggage and personal item coverage up to $3,000
  • Baggage delay coverage worth up to $600

Comes with enhanced medical and luggage benefits, protections for cruise ship disablement, and more

Cruise delay coverage kicks in after five hours

Baggage delay coverage is only for $200 and doesn't kick in for 24 hours

No option to purchase CFAR coverage

  • Up to $75,000 in protection for emergency medical care
  • Emergency evacuation and repatriation of remains coverage worth up to $750,000
  • Cruise cancellation coverage for 100% of trip cost up to $25,000 per person
  • Cruise interruption coverage for 150% of trip cost up to $37,500 per person
  • Cruise delay coverage worth up to $1,000 ($200 per day for delays of five hours or more)
  • Missed connection coverage worth up to $500 (for delay of three hours or more)
  • Cruise ship disablement coverage worth up to $500
  • Up to $1,500 in coverage for baggage and personal effects

Why Trust U.S. News Travel

Holly Johnson is a professional travel writer who has covered international travel, travel insurance and cruises for more than a decade. Johnson has researched and compared all the top travel insurance options for her own family for trips to more than 50 countries, some of which have included cruises all over the world. Johnson lives in Indiana with her two children and her husband, Greg – a travel agent who has been licensed to sell travel insurance in 50 states.

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Sponsored carry on cruising: the right cruise travel insurance will cover you on land and sea.

SPONSORED Carry on cruising: The right cruise travel insurance will cover you on land and sea

Whether you’re embarking on a cruise holiday for the first time or you’re a regular on the seven seas, buying the right cruise travel insurance is vital to protect you before you set sail, while you’re on board and when you dock at overseas destinations.

Following the Covid-19 pandemic, holidaymakers took 1.7 million cruises in 2022, up from 479,000 in 2021, according to Cruise Lines International Association (CLIA).

While more and more people are choosing cruising as an ideal getaway, it’s no longer just the dream holiday experience of the ‘silver sailors’ seeking out the high seas in their retirement.

Its appeal is widening, with 27% of those who set sail travelling in a party consisting of three or more generations, bringing down the average age of passengers to 55.8 years of age.

This supports data from ABTA – The Travel Association – which reveals the biggest growth in the cruise market over the last five years has been among young families. Half of this group have now gone on a cruise, compared to just one third in 2018.

Further, two thirds of young families say they’re interested in going on a cruise in the future, the highest of any life stage or age group.

However, no matter your age or stage of life, if you plan on taking a cruise, it’s important to take out appropriate cruise travel insurance  to protect you and your companions both on land and sea.

Plain sailing when it comes to cruise travel insurance

You may not know your port from your starboard, but knowing you’ve got the right cruise cover is like having a life jacket when you’re out on the deep, blue sea.

In fact, some cruise companies, such as P&O Cruises and TUI’s Marella fleet, won’t let you set foot on deck unless you have a comprehensive travel insurance policy which covers the full length of your cruise holiday, plus all the destinations you’re visiting.

Other cruise companies will have certain terms and conditions requiring minimum levels of cover, according to the Association of British Insurers (ABI).

Now, while some travel insurers include cruise insurance as standard, others don’t, which means it is an added extra to cover the special sea-faring nature of your trip.

Financial information and ratings business Defaqto reveals that, of the 1,051 annual products it tracks, 115 policies will not cover a cruise trip. Of the 1,060 single trip products it monitors, 5% do not cover a cruise trip so they won’t cover loss, damage, cost or expense suffered on sea-going cruise ships.

Cruise travel insurance covers elements which are often unique to such trips, such as cabin confinement, unused excursions or shore experiences, itinerary changes, missed port departures and the all-important evening wear.

Therefore, as well as spending time and energy planning your cruise itinerary, it’s captain’s orders to get your cruise travel insurance sorted as soon as you’ve booked your trip.

This will ensure you’re covered for cancellation in the run-up to your cruise if a medical situation prevents you from sailing into the sunset.

Award-winning travel insurance from Post Office

Post Office won the Best Travel Insurance Provider category at the YourMoney.com Personal Finance Awards 2023 for the third year in a row.

It provides single and annual multi-trip cover options. Plus, for an additional premium, cruise passengers can upgrade their insurance to include cruise cover for a single applicant, couples or families. Post Office requires sea-faring passengers to take out the extra cruise cover to ensure they’re adequately protected on land and sea.

As part of the cruise cover upgrade for a sea or river voyage of more than three days, passengers can choose between three varying levels of cover: Economy, Standard or Premier cruise travel insurance, based on budgets and needs.

The cruise cover includes:

  • Missed departure and missed connection – If you miss pre-booked transport due to a delay or cancellation of public transport from industrial action, bad weather, a mechanical fault (including bird strikes), shortage of crew, vehicle accident, break down, flight diversion or lost or stolen travel documents (outside of the UK)
  • Missed port – For instance, if the liner is unable to dock and you’re unable to disembark and visit planned destinations due to adverse weather or timetable restrictions
  • Cruise interruption – Covers additional expenses you pay to re-join your cruise if, for example, you temporarily disembark for hospital treatment on dry land
  • Evening dress hire – The cost of evening attire that is lost, stolen, damaged or destroyed during a trip after a deduction is made for wear, tear and loss of value
  • Cabin confinement and unused excursions – Gives you a set monetary amount for each 24-hour period you’re confined to your cabin following confirmation from the ship’s medical officer
  • Increased personal belongings – On top of the standard personal baggage limit.

Post Office cruise cover also protects you in the event of a Covid-19 diagnosis. If you test positive for coronavirus before you depart, you will be able to make a claim.

As with any insurance policy, be honest and transparent about any pre-existing medical conditions you have, and make sure to consider all activities you’ll be undertaking both on board the ship and when you’re anchored at an overseas port.

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Get Cruise Travel Insurance and Leave Your Worries on Land

older couple on a cruise trip

Every voyage deserves the added protection of travel insurance designed with cruising in mind. It’s one of the best ways to cruise smarter – and enjoy your trip more. Travel insurance can help protect your vacation investment from certain unforeseen events that could upset your travel plans and cost you. Trip insurance plans from Generali Global Assistance include coverages that are most important to cruise travelers.

What if I get sick on my cruise?

Cruise trips pose potential health hazards, and staying informed and prepared for those dangers can help travelers fully enjoy their vacations. The Centers for Disease Control and Prevention warns that cruisers might encounter viral illnesses or seasickness, and respiratory illnesses are common aboard cruise ships. Chronic conditions could also unexpectedly worsen as a result of cruise-related stressors such as changes in diet or climate. ¹

If you have travel insurance and experience a sickness or injury on your cruise trip, you can be reimbursed for medical expenses that might otherwise cost you a bundle.

Cruise travel insurance can offer a global solution if your health insurance provider doesn’t extend coverage outside of the United States.

  • Medicare, in particular, may not provide coverage internationally. 
  • Cruise insurance plans can also help in the event of a medical emergency. Medical evacuations by air ambulance can cost $50,000-$100,000 and must be paid in advance by travelers who don’t have insurance.  2
  • Cruise travel insurance plans from Generali provide travelers with access to a 24/7 international emergency hotline and coverage for emergency medical evacuations.

What if I have to cancel my cruise?

If you’re forced to cancel your cruise trip, how much of that prepaid trip cost could you get back? There are often cancellation penalties tied to travel purchases, especially cruise trips, and you could get a portion of your trip costs back or none at all. Those penalties tend to get more severe as the departure date gets closer. This is where travel insurance with Trip Cancellation coverage can help you. 

Many things can happen between the time you book your cruise and the start of your vacation that could affect you or your traveling companions or family members and force you to cancel your trip—sickness, job loss, and even flight cancellations due to adverse weather or an airline strike. Luckily, travel insurance is a small investment against the full cost of a cruise and Generali Global Assistance plans include Trip Cancellation coverage that can provide reimbursement for a trip that is canceled for a covered reason. This could be an especially important coverage if you’re cruising during hurricane season.

Cruise Resources

Travel Insurance for Cruise Trips

More Cruise Resources

Tips for Planning a Norwegian Cruise: From Fjords to Northern Lights

Sources 1, 2:  Centers for Disease Control and Prevention

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Does Travel Insurance Cover Cruise Excursions?

Cruise Excursion

For many travelers, the best part of a cruise isn’t the onboard experience — it’s the excitement of shore excursions. Great memories are made trekking through a jungle hike, snorkeling in a pristine cove or touring ancient ruins.

Excursions are not without risk, however. In recent years, several American travelers have died or been seriously injured on cruise ship excursions, whether by a canoe overturning in Alaska, a tour bus crashing in Mexico, or an ATV collision in Aruba. i   ii   iii

If you buy travel insurance for your cruise, are excursions covered as well? Let’s look at some hypothetical scenarios.

Get a travel insurance quote for your next cruise vacation .

You have to cancel a cruise excursion for a covered reason.

Your biggest splurge on your Caribbean cruise is a horseback ride and swim excursion for your family that costs $150 per person. You’re all so excited — and then, both kids come down with a horrible bout of norovirus and are confined to their cabin. The excursion operator says it’s too late for a refund. Can travel insurance help?

Yes! If you purchased trip interruption / cancellation benefits as part of your cruise travel insurance, then you can be reimbursed for unused, nonrefundable, pre-paid trip costs. The trip interruption must be caused by a covered reason — such as, in this case, a serious illness and quarantine.

It doesn’t matter if you booked the excursion with the cruise line or an independent operator, as long as you included the cost of the excursion in your total trip costs when you purchased travel insurance.

You sustain a serious injury during a cruise excursion.

During a port call in Cabo San Lucas, you take a Jeep excursion to a nearby national park. The Jeep swerves into a ditch and flips. Once you free yourself from the overturned vehicle, you discover your leg is badly injured. Can travel insurance help?

Yes! When you’re traveling overseas, your domestic health insurance card may not be accepted by local hospitals. That’s why it’s so important to have travel insurance with emergency medical/dental benefits and emergency transportation benefits .

If you suffer a serious covered injury or illness while traveling, travel insurance can reimburse the reasonable and customary costs of necessary emergency medical care. We may even guarantee or advance payments, where accepted. If the local medical facilities are unable to provide appropriate treatment for your covered illness or injury, Allianz Global Assistance can arrange and pay for transportation to the nearest appropriate hospital or other facility. Travel insurance can also arrange and pay for your transportation home, with a medical escort, if necessary.

You’re injured during a high-risk activity during a cruise excursion.

On an Alaskan cruise, you take an excursion to Chichagof Island, a wild paradise that has the world’s highest population of bears per square mile. iv  Your guide points out a mother grizzly who’s foraging for food with her two adorable cubs. Ignoring the guide’s warning to stay back, you charge toward the cubs, hoping to take a super-awesome selfie. It doesn’t end well. Will travel insurance cover losses related to your bear-related injuries?

Probably not. That’s because travel insurance does not provide coverage for any loss that results directly or indirectly from participating in extreme, high-risk sports and activities. These activities include, but are not limited to:

  • Skydiving, BASE jumping, hang gliding, or parachuting;
  • Bungee jumping;
  • Caving, rappelling, or spelunking;
  • Heli-skiing, or skiing or snowboarding outside marked trails or in an area accessed by helicopter;
  • Any high-altitude activity; climbing sports, or free climbing;
  • Personal combat or fighting sports; Running of the Bulls, or rodeo activities;
  • Racing or practicing to race any motorized vehicle or watercraft;
  • Free diving;
  • Scuba diving at a depth greater than 60 feet or without a dive master;
  • Rafting/kayaking above Class V rapids or canoeing above Class III rapids.

Before you sign up for a cruise excursion, it’s important to understand what your plan covers, and what the possible risks might be. There are many activities offered on cruise excursions that that may not necessarily be excluded from coverage but can still be dangerous such as, riding mopeds. These include riding mopeds, motorcycles and ATVs.

You also should know that your insurance does not cover losses resulting from the use or abuse of alcohol or drugs, or any related physical symptoms. Keep this in mind, if you participate in a cruise excursion that combines alcohol with swimming, water sports or other activities.

Read more: 6 Risky Activities You Should Avoid Abroad

You lose crucial documents or possessions on a cruise excursion.

While on a snorkeling excursion off the coast of Cozumel, the tour boat begins taking on water. Crew members direct you to put on your life jacket and jump into the water. You watch, helplessly, as the boat sinks. Luckily, everyone is unhurt — but your bag with your passport, wallet and cell phone has gone to the bottom of the sea. Can travel insurance help?

Yes! While Allianz Global Assistance can’t get you a new passport (only the U.S. embassy can do that), we can help you get it replaced as quickly as possible. We can help you make new travel arrangements as well. If you miss at least 50 percent of your trip because of lost or stolen travel documents (or another covered reason), that can be a covered reason for trip interruption.

What about your valuables? If your baggage is lost, damaged or stolen on your trip, the baggage loss benefit can pay you the actual cash value, repair cost or replacement cost of your possessions, whichever is lowest (minus any available refunds). There’s a maximum limit for this benefit, and certain items are excluded, so read your plan for details.  

Read more: How to Replace a Lost or Stolen Passport When You’re Abroad

Have questions about what travel insurance covers when you’re on a cruise, or any other vacation? Don’t wonder — just ask! Contact us anytime if you need help understanding what your plan covers.

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Nationwide Travel Insurance Review

B uying travel insurance coverage can protect you from unexpected expenses incurred during a trip. These include needing to cancel or interrupt your travel plans, lost luggage, emergency medical expenses and travel delays.

Nationwide travel insurance is among our top picks for the best travel insurance companies . It offers multi-trip plans, dedicated cruise travel coverage, pre-existing condition waivers and round-the-clock travel assistance.

Read our Nationwide Travel Insurance review to learn about the pros and cons of doing business with this well-known travel insurer and decide if it’s the best option for you.

Best for cruise travel insurance

Nationwide is the best company we’ve found for cruise insurance. It offers dedicated cruise travel insurance plans covering unforeseen scenarios you may encounter during a cruise vacation, including itinerary changes and mechanical breakdowns.

Nationwide travel insurance pros and cons

Pre-existing conditions waiver available with most plans

24-hour travel assistance available

Offers cruise-specific plans

Cancel for any reason coverage is only available with premium plans

Offers few add-ons compared to other insurers

Travel insurance covers medical emergencies and other potentially expensive issues while you’re abroad. While it isn’t required for most destinations, like the best travel credit cards , it can provide peace of mind for a fraction of your total trip cost.

Here’s what you can expect from your Nationwide Travel Insurance plan.

Pros explained

Pre-existing conditions are a common travel insurance exclusion. If you developed symptoms of, were treated for or were diagnosed with a condition before purchasing coverage and then suffered a relapse during your trip, travel insurance will cover treatment for it only if you qualify for a pre-existing condition waiver upon purchasing the plan.

According to travel insurance broker Squaremouth, Nationwide offers pre-existing condition waivers on several of its plans. Travelers who purchase the Essential or Primer plans within 20 days of the initial trip deposit may qualify for the waiver, as are those who purchase the Choice Cruise or Luxury Cruise plans within 14 days of the initial deposit.

Note, however, that you must meet certain conditions for the waiver to be valid (including being medically approved to travel). And this benefit is not available on the Universal Cruise Plan.

Nationwide’s travel insurance plans offer comprehensive 24-hour emergency services, including emergency medical evacuation and repatriation, transportation post-stabilization and repatriation of mortal remains.

The company also provides travel support services, including medical monitoring, interpretation services and assistance with making emergency travel arrangements or replacing lost or stolen items such as medication or medical devices.

Compared to other travel insurance companies, Nationwide provides more expansive and customizable cruise insurance coverage. The company offers three plans tailored specifically for cruises: Choice, Universal and Luxury. Each covers cruise-specific travel-related setbacks such as medical evacuations, itinerary changes and missed connections.

Cruise-specific coverage includes:

  • Cancellations due to weather or social unrest in an itinerary country
  • Missed connections while you’re off the cruise ship
  • Reimbursement for canceled prepaid excursions due to itinerary changes

Cons explained

Cancel for any reason (CFAR) coverage allows policyholders to cancel their trip for reasons other than those listed as covered in their policy details. Standard canceling policies don’t include coverage for situations where travelers simply change their minds about their trip or have personal reasons for canceling. With CFAR coverage, however, they can cancel their trip for any reason whatsoever.

With Nationwide, CFAR Coverage is only available with the Prime and Luxury Cruise plans. If you opt for a lower plan tier, your customization options will be limited to rental car coverage.

Nationwide offers few options for policy customization beyond CFAR and rental car coverage. By contrast, other insurers provide coverage for pets, adventure sports and accidental death and dismemberment.

Nationwide travel insurance plans

Choosing the right travel insurance plan for your trip is crucial. Like the best travel rewards credit cards , the right plan can help you save money on your trip. However, the wrong plan could be an unnecessary expense.

Nationwide offers several travel insurance plans and some level of customization through standard add-ons. You can learn more about the details of each plan and get a quote on Nationwide’s website.

Below is a brief overview of the different travel insurance plans Nationwide offers.

Single-trip plans

You can buy single-trip insurance for a flat price and get coverage for the extent of your trip, whether a few days or a month. Nationwide offers two single-trip plans:

CFAR coverage is only available with Prime. This option costs extra and will cover 75% of non-refundable trip costs, provided you purchase it within 21 days of your initial trip payment and meet other specific requirements.

Multi-trip (annual) plan

Annual plans, also known as multi-trip travel insurance, are designed to cover multiple trips per year and are paid on an annual or monthly basis.

Nationwide’s Annual Travel Pro Plan has several trip cancellation benefit options from $1,250 to $10,000. Trip interruption coverage will depend on whatever tip cancellation option you select. Baggage and personal effects coverage is $500 per person/trip with a $200 per article limit and a $400 maximum for valuable goods.

As for medical coverage, the annual plan provides the following:

  • $10,000 per person/trip (secondary) for emergency medical expenses
  • $750 per person/trip for emergency dental expenses (included in medical coverage)
  • $50,000 per person/trip for emergency medical evacuation and repatriation of remains

This plan does not include CFAR coverage or a waiver of pre-existing conditions

Cruise plans

Nationwide’s cruise insurance differentiates the company from others in the industry. Cruise insurance covers every destination country, plus robust medical evacuation coverage. Nationwide offers three cruise insurance plans.

All three cruise plans offer a benefit that allows policyholders to cancel their travel plans due to work reasons. Additionally, the Choice and Luxury plans include a pre-existing condition waiver, provided you purchase insurance within 14 days of the initial trip deposit and meet certain conditions.

CFAR coverage is exclusively available with the Luxury plan. This option covers 75% of non-refundable trip costs. Please note that CFAR entails an additional cost and requires purchasing coverage within 14 days of the initial trip payment, along with meeting other conditions.

Nationwide travel insurance pricing

With Nationwide, travel insurance costs vary depending on the plan you select and factors such as:

  • The number of travelers in your group
  • Your age and the ages of your travel companions
  • The total cost of your trip
  • Add-ons and additional coverage you purchase

To get an accurate estimate of what you might pay for travel insurance with Nationwide, request a quick online quote on the company’s website or contact its 24/7 customer service helpline.

Nationwide financial stability

Nationwide Mutual Insurance Company is an established insurer with an A+ (Excellent) financial strength rating from AM Best. This rating indicates the company’s strong ability to meet its financial obligations, particularly in terms of paying out claims.

Nationwide accessibility

Because Nationwide is such a large company, its insurance plans are widely available. The company also takes steps to be as accessible as possible.

Availability

Nationwide Travel Insurance is available in all 50 states. However, policies can vary from state to state. Coverage for itinerary changes, for example, may include those caused by fires, mechanical issues, illnesses and more, depending on the state where you buy your plan.

Contact information

Nationwide allows policyholders to get a quote and file a claim online. The company also offers a 24/7 worldwide travel assistance line: 1-877-970-9059.

You can call the helpline to ask about your coverage or get help finding a network provider. If you want to pay for your Nationwide travel insurance, you can do it through your account or as a guest online.

Nationwide Travel Insurance doesn’t have a public email address, but you can fill out a form on the contact page of Nationwide’s website to send an email.

User experience

Most Nationwide Travel Insurance reviews report an intuitive user experience. The website is easy to navigate and provides clear directions to compare plans, file a claim or make payments. Customer reviews report quick response times and helpful customer service agents.

Nationwide travel insurance customer satisfaction

While Nationwide gets mixed reviews on third-party review platforms, consumers should remember it’s a large insurance company, and most public customer complaints aren’t specific to its travel insurance plans.

Nationwide is rated 1.15/5 stars on BBB.org. Again, that score doesn’t necessarily reflect the experience of Nationwide’s travel insurance customers. However, some customers have reported difficulty filing claims for other insurance products.

Nationwide travel insurance FAQs

How can travelers file a travel insurance claim with nationwide, does nationwide offer a "cancel for any reason" upgrade, is nationwide travel insurance worth it, how we evaluated nationwide travel insurance.

We evaluated Nationwide Travel Insurance for this review by comparing it to other top insurance providers. Some critical features we considered include:

  • Variety of plans offered
  • Add-on coverage options
  • Accessibility
  • Customer reviews and complaints
  • Coverage limits
  • Inclusion of pre-existing condition waivers

Summary of Money’s Nationwide Travel Insurance Review

If you’ve booked an expensive trip and covered non-refundable trip expenses ahead of time, travel insurance could give you peace of mind knowing you can be reimbursed for cancellations and other unforeseen events.

Nationwide offers comprehensive coverage through single-trip, multi-trip and cruise plans. The company might be the best insurance provider for you if you want multiple options for cruise insurance. With the right coverage, you can be protected against cruise-specific setbacks such as itinerary changes and non-emergency evacuations.

© Copyright 2024 Money Group, LLC . All Rights Reserved.

This article originally appeared on Money.com and may contain affiliate links for which Money receives compensation. Opinions expressed in this article are the author's alone, not those of a third-party entity, and have not been reviewed, approved, or otherwise endorsed. Offers may be subject to change without notice. For more information, read Money’s full disclaimer .

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How to save money on travel insurance if you’re over 60.

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Getting travel insurance when you're over 60 can be hard. Here's how to make it easier.

Dave Dzurick likes to play it safe when he travels, so he shops around for travel insurance. But lately, he's noticed that the policies have gotten more expensive.

"Each year past 60 seems to increase travel insurance rates," says Dzurick, a retired broadcast engineer from Tucson, Ariz.

It's not just his imagination.

"Age is the crucial underwriting factor in determining trip cancellation and medical assistance risk for the insurance provider," explains John Rose, the chief risk and security officer of ALTOUR .

Age is more important than ever in travel insurance

You would expect something like age-based pricing to be a constant in the travel insurance industry, but not necessarily. Some group travel insurance policies don't consider age. But a shift is underway.

Last year, when Travelex Insurance Services launched its new line of travel protection plans , it called out one enhancement: competitive age-band pricing, which bases its rates on each traveler’s risk level.

"We’re responding to the coverage and benefits our partners and travelers want," notes Brooke Kirby, Travelex vice president of marketing.

In other words, the rate you pay for travel insurance will be more closely aligned with your age than ever. That's good news if you're young. But if you're over 60, it can present a challenge.

Best Travel Insurance Companies

Best covid travel insurance plans, what is age-band pricing in travel insurance.

Rhonda Abedsalam, vice president of Travel Insurance at AXA Partners US , says age-band pricing is a mechanism designed to align prices with the real risks associated with each age group.

"It provides a fair and balanced approach to travel insurance," she says.

Specifically, this method offers younger travelers access to more affordable options, preventing them from bearing the brunt of a one-size-fits-all pricing strategy. She says older travelers who are looking for lower rates can choose plans offering minimal coverage for a cost-effective solution.

"We always advocate for choosing a plan that balances affordability with comprehensive coverage," she says.

That's a position the US Travel Insurance Association (USTIA) agrees with. When I asked about age-band pricing, a representative advised me that it’s important to understand the plan you are purchasing — what is and isn’t covered — and the level of medical expense and medical evacuation limits offered.

"Never purchase based on price alone," says Robert Gallagher, USTIA's president.

Your travel insurance rates may vary

Pricing travel insurance based on age makes sense, say experts.

"There's a higher risk for claims, primarily due to health concerns," explains PK Rao, CEO of INF Visitor Care .

How much more expensive? Consider medical insurance. A 65-year-old U.S. citizen, for example, might pay $9 a day for international travel insurance with a $1 million coverage limit. On the other hand, an 85-year-old American might pay $31 a day for that same insurance policy, according to Joe Cronin, CEO of International Citizens Insurance .

"Fortunately, there are more affordable options for seniors who are more budget-conscious," he says.

How to lower your travel insurance rates if you're over 60

"The easiest way to lower your costs would be to Benjamin Button it and get younger," jokes Michal Wieczorek, global client relations and intelligence specialist at Insured Nomads .

Seriously, though, he says choosing higher deductibles and lower medical maximums can cut your insurance costs. He says some insurers specialize in benefits for older travelers but cautions buyers to be careful.

"Read the fine print, because certain benefits may decrease or be eliminated above certain ages, especially things like accidental death and dismemberment and evacuation benefits," he adds.

There's a difference between retail travel insurance and group insurance, adds Dan Skilken, president of Tripinsurance.com.

"Retail travel insurance policies are price-sensitive based on age, trip cost, and the length of the trip," he says. "Commercial policies sold through cruise or major tour companies are generally not priced based on age."

In other words, sometimes older travelers can get a better price going through the cruise line or tour operator for travel insurance. But here again, buyers need to be careful, he adds, since some of those policies may lack essential coverage.

How one customer saved money on travel insurance after age 60

Dzurick says he's not deterred by the higher rates because he knows the value of travel insurance.

"For me, one way to save on travel insurance is to get a separate medical rider covering only the basics," he says.

A bare-bones policy would cover only essential items like medical care when you're abroad and emergency evacuation, but would omit some of the other features of travel insurance like coverage of lost luggage or trip interruption.

There's another method Dzurick likes. He checks with his employer-provided insurance to see if it will offer coverage.

"My former employer recently changed insurance plans for retirees, and it turns out the new policy provides coverage worldwide," he says. "So there's no need for any additional coverage."

Some travel insurance companies offer reduced coverage for older travelers. For example, INF has policy maximums up to $250,000 for policyholders who are older than 70 to ease the concerns of travelers.

"You can also take a fixed benefit option which offers lower payments, but still has evacuation benefits," notes Rao.

Cronin says there are budget-friendly options for U.S. seniors traveling outside the U.S. He likes Trawick Safe Travels USA Comprehensive Insurance and Atlas Travel Medical, both of which offer affordable options for seniors traveling to the U.S.

Another travel insurance hack: the two-policy option

Another way to get affordable coverage with a decently high policy maximum if you’ve aged out of the coverage you prefer is to purchase two travel medical insurance plans, according to James Nuttall, general manager of Insubuy .

"Each plan is considered secondary to the other, and they can share the load for claims involving large medical expenses," he explains.

For instance, a plan offering $250,000 worth of coverage may not be in the budget for your age group. But two plans offering $100,000 worth of coverage each might be.

"Just keep in mind that each plan must be from a different insurance company," he adds. "You can’t just purchase two of the same plans."

Pro tip: If you decide to go down this road, work with an experienced travel advisor who knows how two insurance policies would work together.

Other ways to save money on travel insurance if you're over 60

There are other ways to save money, according to Daniel Durazo, director of communications at Allianz Partners USA .

Consider an annual travel insurance policy

Purchasing an annual travel insurance policy can be a smart choice for those who have more than three trips planned in a year, says Durazo. Unlike a one-trip plan, an annual plan protects all of your trips in a 365-day period, which can save you money, rather than insuring each trip separately. Annual policies are sometimes offered at a flat rate, meaning your cost may not increase with age and trip cost.

Buy a plan that includes more

For example, some travel insurance policies include children at no additional charge. That includes Allianz’s OneTrip Prime and OneTrip Premier, both of which cover children aged 17 and younger when traveling with a parent or grandparent.

Focus on trip cancellation benefits for U.S. trips

Durazo says trip cancellation benefits may cover the cost of canceling your trip if you encounter a situation covered by your policy. These benefits can reimburse you for prepaid, nonrefundable trip costs if you have to cancel your trip at the last minute for a covered reason. They're among the most frequently used benefits for U.S. trips (often, medical expenses are covered by your health insurance plan).

Get a plan with post-departure benefits if you're going abroad

Post-departure benefits can kick in as soon as you begin your trip. They can include coverage for travel delays, baggage loss or damage and baggage delay, according to Durazo. It can also include emergency medical and emergency transportation benefits, which are highly recommended for overseas travel.

Age-band pricing is more pervasive than ever in travel insurance. If you're headed somewhere this summer, make sure you know all of your options before you buy a policy.

Christopher Elliott

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Affordable Travel Insurance Tips

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Best Cheap Travel Insurance of April 2024

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

In an ever-evolving world, emergency medical and evacuation travel insurance coverage is essential, especially if you're traveling internationally. However, sports equipment coverage, pet protection, and cancel for any reason coverage are among the increasingly popular coverage options that are changing the way we travel.

Best Cheap Travel Insurance

  • HTH Worldwide Travel Insurance : Best overall
  • GoReady travel insurance : Best for trip cancellation 
  • Nationwide Travel Insurance : Best value
  • Trawick International Travel Insurance : Most popular

Compare the Top Cheap Travel Insurance Plans

HTH Worldwide HTH Worldwide Travel Insurance

  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Three plans to choose from
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Reasonable premiums
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. CFAR coverage available with some plans
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. High medical emergency and evacuation coverage
  • con icon Two crossed lines that form an 'X'. Special coverages for pets, sports equipment, etc not available
  • con icon Two crossed lines that form an 'X'. Limited reviews with complaints about claims not being paid
  • Trip cancellation of up to $5,000 with the Economy plan and up to $50,000 with the Preferred plan
  • Cancel for any reason insurance and missed connection insurance available with the Preferred plan
  • Baggage delay insurance starting after 24 or 12 hours depending on the plan

GoReady GoReady travel insurance

  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Offers a CFAR upgrade add-on on certain plans
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Comprehensive insurance plans include generous coverage for baggage loss, plus protection from hurricane and other intense weather-related issues
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Competitive pricing
  • con icon Two crossed lines that form an 'X'. Online complaints about claims not being paid and non-responsiveness
  • con icon Two crossed lines that form an 'X'. Not all more expensive plans include CFAR coverage
  • con icon Two crossed lines that form an 'X'. Dropping rating with AM Best
  • Annual and multi-trip plans available
  • All plans include pandemic coverage for COVID-19
  • Coverage for weather-related delays, cancellations and other incidents

Nationwide Nationwide Travel Insurance

  • Trip cancellation coverage of up to 100% of trip costs (for cruises) or up to $30,000 (for single-trip plans)
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Three cruise-specific plans to choose from
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Annual travel insurance plans available
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Strong trip cancellation coverage
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Cancel for any reason coverage available
  • con icon Two crossed lines that form an 'X'. CFAR insurance not available with every single plan
  • con icon Two crossed lines that form an 'X'. Medical coverage is lower than what some competitors offer

Nationwide Travel Insurance offers many of the standard benefits you might see with a travel insurance policy. This can include things like trip cancellation coverage, so you can recover pre-paid costs or trip interruption in the event your vacation is interrupted by an unexpected event. There's also baggage delay coverage and medical coverage.

  • Cancel for any reason coverage available

Trawick Trawick International Travel Insurance

Trip cancellation coverage for up to 100% of the trip cost and trip interruption coverage for up to 150% of the trip cost

  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Useful for adventurous travelers headed to higher-risk destinations
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Affordable plans with varying levels of coverage
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. 10-day free look option
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Generous baggage loss replacement policy
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Trip delay coverage kicks in after just six hours
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Some policies allow a CFAR add-on
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Up to $1 million medical evacuation coverage limit
  • con icon Two crossed lines that form an 'X'. Baggage and trip delay coverages don’t kick in until after the 12-hour mark
  • con icon Two crossed lines that form an 'X'. International student policies available for temporary stints abroad
  • con icon Two crossed lines that form an 'X'. Complaints about claims not being paid or involving an intermediary to resolve claims

Trawick International travel insurance offers plans customized to diverse travelers' needs. We look at coverage options, claims processing, pricing, and other important factors for savvy travelers.

  • Travel medical insurance
  • Trip protection and cancellation
  • International student insurance
  • Visitor medical insurance (for traveling to the US)

Affordable Travel Insurance Reviews

So you're planning a big family vacation—if you're lucky, the trip of a lifetime. Travel costs can skyrocket quickly, leaving you feeling a bit overwhelmed. At this point, travel insurance starts to look like a potentially unnecessary cost, but is it really?

The best travel insurance plans can go a long way toward defraying unexpected costs that may arise if you're asking the right questions starting with: What does travel insurance cover ?

Best Affordable Travel Insurance Overall: HTH Worldwide TripProtector Economy Travel Insurance

The HTH Worldwide Travel Insurance Economy plan offers the most comprehensive coverage across major categories of all the providers in this guide.

You'll have some peace of mind with up to $75,000 of financial protection for eligible medical emergencies, and up to $500,000 per person for medical evacuation costs. For more everyday expenses, you can also relax with baggage loss and delay, trip interruption, cancellation and delay coverage that will help you recoup many, if not all, of your costs.

However, this plan falls short on missed connection benefits and accidental death coverage, both of which are not available under most circumstances (missed connection coverage only applies to cruises, and will only cover up to $500 per person after a three-hour delay).

Read our HTH Worldwide Travel Insurance review here.

Best Affordable Travel Insurance for Trip Cancellation: GoReady Trip Cancellation Plan Travel Insurance

The GoReady travel insurance Trip Cancellation Plan is exactly that: a cost-effective plan that offers protection in the event that your trip is canceled for a covered reason. The plan we priced out for our hypothetical trip cost just 1.16% of our total travel expenses — a very small amount of money to pay for the guarantee of our money back in the right circumstances.

The benefit is that this plan can supplement other coverage you already have, or give you a little bit of protection for a trip where you might not otherwise have opted for insurance altogether. On the downside, you won't get any protection for medical emergencies, trip interruption or delays or lost bags from this plan.

Read our GoReady Travel Insurance review here.

Best Value Cheap Travel Insurance: Nationwide Essential Travel Insurance

Nationwide Travel Insurance  is a well-rounded alternative to HTH Worldwide Trip Protector Economy. This plan offers solid protection for both travel-related snafus as well as situations that might call for emergency medical and evacuation, making it a good choice for trips where you have cause to worry about potential interruptions or delays. However, it does not offer protection for missed connections or accidental death.

Read our Nationwide Travel Insurance review here

Most Popular Cheap Travel Insurance: Trawick Safe Travels Explorer Travel Insurance

The Trawick International Travel Insurance Safe Travels Explorer plan has been purchased by more than 36,000 travelers since 2020, and it has great reviews to boot. And no wonder: Trawick offers generous trip delay coverage of up to $2,000 per person, although hopefully you won't need to reach that reimbursement amount because the daily limit is $150.

You'll also be able to rely on a $200 reimbursement per person for lost baggage - one of the higher amounts amongst these affordable plans, although this amount pales in comparison to the baggage loss coverage offered through the best travel credit cards .

Read our Trawick Travel Insurance review here.

Types of Cheap Travel Insurance

Comprehensive coverage.

This type of insurance offers extensive protection, covering everything from medical issues to trip cancellations. While it's more expensive up front, it can save you a lot in the long run.

Medical-Only Coverage

As the name suggests, this policy focuses solely on medical emergencies, making it a cost-effective option for travelers who are primarily concerned about health-related expenses.

Evacuation and Repatriation

In extreme cases where you need to be evacuated due to a medical emergency or a natural disaster, this coverage ensures that you can return home safely without incurring huge costs.

Benefits of Opting for Cheap Travel Insurance

Cost savings.

Cheap travel insurance can significantly reduce your travel expenses, ensuring that you're not overpaying for coverage you might not need.

Adequate Coverage for Less

Just because it's cheap doesn't mean it's lacking. Many affordable policies offer substantial coverage, giving you peace of mind without breaking the bank.

How to Pick The Best Cheap Travel Insurance Plan for You

No single travel insurance plan will meet the needs of every single traveler. By nature, we are diverse and evolving meaning travel insurance should be equally so. Travel insurance for a week-long trip to a big city shouldn't be the same as the coverage for a backpacking expedition in the mountains. A splurge to purchase comprehensive insurance coverage may also be worth it for international ventures or other large expenditures.

In most cases, the cost difference between a basic and comprehensive travel insurance plan isn't as significant as you might think. Regardless, it's generally a good idea to choose a trusted travel insurance provider known for exceptional customer service and coverage. (For this roundup, we looked at traveler reviews shared through the travel agency SquareMouth .)

  • Assessing Your Travel Needs: Consider the nature of your trip, the destination, and your own personal needs when choosing a policy. This ensures that you're not over-insured or underinsured.
  • Comparing Different Policies: Don't settle for the first policy you find. Compare different options, looking at their coverage and prices, to find the best fit for your budget and needs.
  • Reading the Fine Print: Always read the terms and conditions carefully to understand what's covered, what's not, and the process for making a claim.

If you just want trip cancellation protection, go with the GoReady Trip Cancellation Plan. For more robust coverage that won't break the bank, consider HTH Worldwide's TripProtector Economy, Trawick's Safe Travels Explorer, or Nationwide's Essentials plan.

Yes, many affordable policies offer comprehensive coverage suitable for international travel. It's crucial to compare policies and understand your needs.

Travelers insurance is relatively cheap because it only covers you for a set period of time, and depending on your plan, the level of coverage you get may not be particularly high. However, even with high coverage limits and extras like cancel for any reason coverage , travel insurance is relatively affordable. 

The average cost of travel insurance is 4%-8% of your trip's cost. This usually translates into a premium between $89 to $399.

Why You Should Trust Us: How We Chose the Best Cheap Travel Insurance

To determine the best insurance plan for travelers on a budget, we evaluated dozens of products using a hypothetical trip to Australia for a single traveler, age 26, with a total cost of $2,500 for flight, hotel and other incidentals. We then compiled the plans that covered the essentials at the lowest costs.

Of note: All of these plans include COVID-related medical coverage and 24-hour assistance, and pay at least 100% of your trip cost for eligible trip cancellations. None include rental car coverage.

The seven winning plans cost between $29 to $74 — significantly below the typical cost of comprehensive travel insurance, which can range between 4%-8% of total travel expenses, according to the US Travel Insurance Association. But these affordable plans also come with comparably low ceilings for various aspects of coverage such as emergency medical, trip cancellation, or delay — and do not include rental car or "cancel for any reason" (CFAR) protection. So if you think you might need these benefits, it may well be worth upgrading to a comprehensive travel insurance plan for a few more dollars, just for the peace of mind.

Convenience and Flexibility

Each of the plans in this list include 24-hour assistance worldwide from reputable insurance providers. And despite being on the lower end of insurance plans, each of these options includes refunds for up to 100% of your total trip cost for eligible reasons. Each of these plans also includes medical coverage for COVID-related issues that may arise during your travels, which may come in handy as the pandemic continues to evolve worldwide.

Sufficient Coverage in Essential Categories

The cheapest travel insurance plan will rarely cover every scenario that could go awry on your trip. However, each of these plans can at least help you get your money back in the event that your travel is canceled for an eligible reason, and most of them include financial protection if you incur emergency medical bills while traveling. We also factor in what travelers are most concerned about now. 

You can read more about how Business Insider rates insurance here.

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Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

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Photos, video show collapse of baltimore's francis scott key bridge after cargo ship collision.

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The Francis Scott Key Bridge in Baltimore, Maryland collapsed Tuesday into the Patapsco River after it was struck by a large cargo ship.

The bridge's collapse has prompted huge emergency response, with the Baltimore City Fire Department describing the collapse as a mass-casualty incident, and rescue crews searching for seven people in the river. Maryland Gov. Wes Moore has declared a state of emergency.

Baltimore  Mayor Brendon Scott  said on X that he was aware of the incident and was en route to the bridge. "Emergency personnel are on scene, and efforts are underway," he said.

The 1.6 mile, 4-lane bridge named for the author of the "Star-Spangled Banner," was the second-longest continuous-truss bridge span in the United States and third in the world.

Follow here for live updates → Baltimore's Key Bridge collapses after ship collision; rescue effort underway

Photos show collapsed Francis Scott Key Bridge in Baltimore

Videos show francis scott key bridge's collapse.

The bridge's collapse, which came after it was struck by a container ship, was distributed on social media.

What did the Francis Scott Key Bridge look like before it was hit?

Contributing: Charles Ventura, Thao Nguyen and Susan Miller, USA TODAY .

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Accidents Happen. Get Travel Insurance Protection. Worldwide Coverage. Compare Plans. Consumer Voice Provides Best & Most Updated Reviews to Help You Make an Informed Decision!

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The top travel insurance plans have $500,000 in travel medical insurance, but you might find $150,000 to be sufficient for a cruise. If you're a senior, good travel medical coverage is crucial.

For the leisure cruiser: TravelSafe Classic Plan. TravelSafe's Classic Plan is the best value all-around for the average cruiser, with superior coverage limits at a fair rate. This plan's coverage includes an impressive $1 million per person for medical evacuation and a high $2,500 coverage limit for bag loss.

Here are our picks for the best travel credit cards of 2024, including those best for: Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card. No annual fee: Bank of ...

Emergency evacuation = $500,000. Accidental death & dismemberment = $30,000. If you're between 35 and 59 years old and plan to insure a cruise fare of $1,599 per person, the cost of Travel Guard's ...

Allianz Global Assistance, a world leader in travel insurance and assistance services, offers many reasons to protect yourself and your family with travel insurance. They help travelers every year through unanticipated travel delays, bad weather, lost luggage and medical emergencies in foreign countries. None of us expect anything to happen to ...

Best cruise insurance. Best overall: Nationwide Travel Insurance. Best for affordable coverage: AXA Travel Insurance. Best for adventure excursions: World Nomads. Best for pre-existing conditions ...

World Nomads Travel Insurance has been a top choice for comprehensive travel insurance for many years now. And it's a great option when it comes to cruise coverage, too. Even the most basic ...

Travel insurance giant Allianz Global Assistance reports that 53% of all cruise-related "billing reasons" for claims are because of illness for the insured person, while 14% are for an injury. Another 8% are for the illness of a family member, 4% for the death of a family member and 4% for the illness of a traveling companion, among other ...

Some companies require that you buy cruise insurance within two weeks of making the initial deposit, particularly if you're hoping for pre-existing medical coverage. 🤓 Nerdy Tip. The longer you ...

One of the cheapest cruise travel insurance plans in our rating. Top-notch medical evacuation coverage of $1 million. Provides a rare $150,000 in non-medical evacuation coverage. Very good 75% ...

Trip interruption protection up to 150%. $1,250 in travel delay coverage ($300 per day) $1,500 in protection for missed connections. Emergency accident and sickness coverage up to $250,000 ...

Why we chose it: AXA Assistance's Silver Plan is the most affordable policy on this list — based on the sample traveler — yet its coverage is competitive. AXA Assistance USA offers three travel insurance plans, each with its own level of protection, with the Silver Plan being the most affordable of the options. Based on the sample above, the Silver Plan costs 2.83% of the total trip ...

Protecting travel costs can be a smart money move. A September 2022 survey of 737 past cruisers by InsureMyTrip found that the average trip cost for an insured cruise vacation so far this year is ...

Land and Cruise Partners. Oceania Cruise Line; Viking River Cruises; Travel Insurance Quote Request. Thank you for your interest in receiving a quote for travel protection that will provide you with peace of mind and protection. Whether you are already booked or paid or not, we will provide a quote with the industry leader, Allianz. ...

Compare cruise insurance quotes from multiple insurers in just a few minutes and save up to 40% vs. the insurance offered by the cruise line. 1-877-906-3950 or ; ... We make it easy to compare and buy cruise travel insurance from top rated insurers in just a few minutes. Select your first international port of entry as your primary destination ...

Buying the right cruise travel insurance is vital to protect you before you set sail, while you're on board and when you dock at overseas destinations. ... SPONSORED Carry on cruising: The right cruise travel insurance will cover you on land and sea . Written By: Your Money . Share this Article . Share: Posted: 16/11/2023 . Updated: 16/11 ...

Medical evacuations by air ambulance can cost $50,000-$100,000 and must be paid in advance by travelers who don't have insurance. 2. Cruise travel insurance plans from Generali provide travelers with access to a 24/7 international emergency hotline and coverage for emergency medical evacuations.

Before picking your cruise travel insurance policy, bear the following three top tips in mind: Check cabin confinement daily amounts - if you can't leave your cabin, you could be able to get £50-1,200 a day, but it's important to be aware of the overall cabin confinement cover limit. Often this is between £500 and £2,000.

Yes! If you purchased trip interruption / cancellation benefits as part of your cruise travel insurance, then you can be reimbursed for unused, nonrefundable, pre-paid trip costs. The trip interruption must be caused by a covered reason — such as, in this case, a serious illness and quarantine. It doesn't matter if you booked the excursion ...

Nationwide travel insurance is among our top picks for the best travel insurance companies. It offers multi-trip plans, dedicated cruise travel coverage, pre-existing condition waivers and round ...

Last year, when Travelex Insurance Services launched its new line of travel protection plans, it called out one enhancement: competitive age-band pricing, which bases its rates on each traveler ...

Why You Should Trust Us: How We Chose the Best Cheap Travel Insurance. To determine the best insurance plan for travelers on a budget, we evaluated dozens of products using a hypothetical trip to ...

Visitor Insurance, Travel insurance, Quote Visitors Medical insurance, travel Cancelation Insurance , Travel Insurance for Visitors and Business travel Insurance, from all leading carriers G1G, Seven Corners, MNUI, Travelex, to Travel Guard, AIG plans for Visitors insurance and Travelers insurance

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The Francis Scott Key Bridge in Baltimore, Maryland collapsed Tuesday into the Patapsco River after it was struck by a large cargo ship.. The bridge's collapse has prompted huge emergency response ...

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  9. NECO Expo Agricultural Science Essay Theory 2022/2023

    NECO 2022/2023 Agricultural Science theory questions and answers PDF Download will be sent to your whatsApp inbox a day before the examination. Our questions has been solved by NECO officials and lecturers so be sure of smashing your A's and B's.

  10. WAEC Agric Science Past Questions

    WAEC Agric Questions - Free WASSCE past questions for Agricultural Science. Here is collection of Agricultural Science past examination questions to assist you with your studies for the West African Senior School Certificate Examination (WASSCE) for both School and GCE candidates.If you are in your last stage of Secondary School Education (May/June) or not in the School system (GCE), the ...

  11. NECO 2022 Agricultural Science Obj & Essay Questions And Answer Now

    NECO 2022 Agricultural Science Obj & Essay Questions And Answer Now Available. July 29, 2022 Wakagist Neco 0. AGRIC OBJ 1-10: ACBADEBDDC 11-20: EAABACACED 21-30: CBBDBECDBC 31-40: ABDCABDBDC 41-50: ABDADCBBAD 51-60: AECEEDACEB ===== 2022 NECO AGRIC ANSWERS ...

  12. NECO Agric Questions and Answers 2023/2024 (Essay and ...

    The 2023 NECO Agric expo will be posted on this page on the day of the NECO Agriculture examination. Keep checking and reloading this page for the answers. 1. Oestrogen in female animals is not responsible for. A. development of secondary sexual characteristics. B. on set of heat period.

  13. Allround

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  15. Examfans.com

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  16. PDF NECO TImetable 2022

    MONDAY 27TH JUNE TO FRIDAY 12TH AUGUST, 2022. Actual date and time will be fixed by the Council. 10:00am - 1:00pm 2:00pm - 4:30pm. 2:00pm - 5:00pm. 10:00am - 12:30pm. WHERE THE TIME ON THE QUESTION PAPER DIFFERS FROM THE TIME ON THIS TIMETABLE, THE TIME ON THE QUESTION PAPER SHOULD BE STRICTLY ADHERED TO.

  17. NECO English Language Questions and Answers 2023/2024 ( Essay

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  18. agriculture essay neco 2022

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  19. Moscow, Idaho

    First United Methodist Church (1904), S. Adams at E. 3rd St. Moscow (/ ˈ m ɒ s k oʊ / MOSS-koh) is a city and the county seat of Latah County, Idaho.Located in the North Central region of the state along the border with Washington, it had a population of 25,435 at the 2020 census. Moscow is the home of the University of Idaho, the state's land-grant institution and primary research university.

  20. AGRIC SCIENCE

    AGRIC SCIENCE - NECO 2022 OBJ/ESSAY ANSWERS ===== Agricultural Science (Objective & Essay) - 10:00am -...

  21. Russia

    April 6, 2022. International Agricultural Trade Report. A number of factors have converged over the last 18 months to send global agricultural commodity prices to near-record levels. Russia's invasion of Ukraine - and the potential loss of Ukrainian exports - was the latest development to push commodity prices higher.

  22. Walking Tour: Central Moscow from the Arbat to the Kremlin

    This tour of Moscow's center takes you from one of Moscow's oldest streets to its newest park through both real and fictional history, hitting the Kremlin, some illustrious shopping centers, architectural curiosities, and some of the city's finest snacks. Start on the Arbat, Moscow's mile-long pedestrianized shopping and eating artery ...

  23. 21 Things to Know Before You Go to Moscow

    1: Off-kilter genius at Delicatessen: Brain pâté with kefir butter and young radishes served mezze-style, and the caviar and tartare pizza. Head for Food City. You might think that calling Food City (Фуд Сити), an agriculture depot on the outskirts of Moscow, a "city" would be some kind of hyperbole. It is not.