If you need medical care whilst in Togo, it is best to be aware that medical providers may not accept payment through your insurance company. In these circumstances you will have to pay in full after your treatment and file a claim with your insurance company for reimbursement. Therefore you should have access to cash, either from a credit card or by wire transfer. If you need assistance contact the country's local embassy or representative.
To be compensated you must be treated by licensed medical personnel and provide your insurance company with proper documentation and receipts.
It is advisable to always ensure you have a comprehensive travel insurance policy which covers you for repatriation to your home country.
Several airlines offer regular flights to Lomé. But flying directly to Togo is often more expensive than flying to Accra in neighbouring Ghana.