When exploring Vietnam’s stunning landscapes, bustling cities, and vibrant culture, it’s easy to overlook the importance of being prepared for the unexpected. From health emergencies to travel disruptions, unforeseen events can quickly turn an exciting adventure into a stressful situation.
Fortunately, travel insurance offers peace of mind, ensuring that help is just a phone call away when you need it most. Securing your insurance policy is your first, and most important step in planning a safe and worry-free journey.
Do I Need Travel Insurance in Vietnam?
While travel insurance isn’t a must, it’s definitely a smart choice. From handling unexpected medical needs to keeping your trip smooth despite the hiccups—why not stay covered? Click here to check out our suite of hassle-free travel insurance options.
Here are a few reasons why travel insurance in Vietnam is highly recommended:
Medical Emergencies
Vietnam’s healthcare system may not offer the same level of care that travelers are used to in their home countries. Having travel insurance ensures access to quality medical treatment and covers associated costs.
Emergency Evacuations
In severe cases where medical care exceeds local capabilities, travel insurance can cover the cost of emergency medical evacuations and repatriation.
Trip Interruptions
Unforeseen events like flight cancellations, delays, or interruptions can lead to financial losses. Travel insurance can provide protection against these types of disruptions.
Personal Safety
Theft or loss of belongings can occur while traveling. Insurance can offer coverage for personal belongings and liability protection.
What Should Your Travel Insurance Cover for a Trip to Vietnam?
To ensure you are fully protected, your Travel Insurance should include the following:
1. Medical Coverage
Illnesses or injuries can occur at any time. Insurance helps cover hospital stays, medication, and emergency medical expenses.
2. Coverage for Personal Belongings
Theft or accidental damage of your belongings is always possible. Insurance helps replace lost or stolen items.
3. Personal Liability Coverage
In the case of accidental damage to property or injury to others, personal liability insurance can help cover legal fees and compensation.
4. Trip Cancellation & Interruptions
Circumstances beyond your control might require you to cancel or delay your trip. Insurance covers non-refundable costs and rebooking expenses.
5. Emergency Evacuations & Repatriation
In critical medical situations, the insurance plan may provide for evacuation to the nearest medical facility and, if necessary, repatriation.
Protection Against the Unexpected
Imagine this: you’re exploring the lush rice fields and landscapes of Sapa when you unexpectedly slip and severely injure your leg. The pain is unbearable, and you know you need immediate medical attention.
Fortunately for you.. you have travel insurance!
You call your insurance provider, and they quickly arrange for a helicopter to take you to a reputable hospital in Hanoi. At the hospital, your insurance covers all the medical costs, from emergency care to surgery and rehabilitation, so that you can focus on your recovery.
Unfortunately, your injury means you can’t continue your journey. Thankfully, your travel insurance covers the cost of your interrupted trip, reimbursing you for any unused travel expenses. If the situation had been worse, your insurance would have arranged for emergency evacuation to your home country, ensuring you get the care you need.
“If you can’t afford travel insurance, you can’t afford to travel”
Shane Dillon – Tenzing Pacific
Country Manager Vietnam
See what Shane says about travel insurance in Vietnam
How Much Is Travel Insurance in Vietnam?
The cost of travel insurance in Vietnam can vary based on:
- Duration of Trip: Longer trips generally have higher premiums.
- Coverage Limits: Plans with higher coverage limits are typically more expensive.
- Age of Traveler: Premiums tend to increase with the age of the traveler.
- Type of Coverage: Comprehensive plans that cover a broader range of scenarios cost more than basic policies.
| Provider | Best for | Coverage Area | Coverage Age Limit | Coverage Amount (USD) | Benefits | Estimated Premium Rate (USD) |
|---|---|---|---|---|---|---|
| Luma Asia Pass | South East Asia Travel | Southeast Asia (ASEAN countries) | 75 | Up to $100,000 coverage | -Inpatient, Outpatient, Evacuation, Travel -Choose your coverage dates -No deductible | Starts at $60 for 4 weeks |
| Expatriate Group | European Travel | Worldwide | 71 | Up to $1,000,000 coverage | -Inpatient, Outpatient, Evacuation, Travel -Choose your coverage dates -No deductible | Starts at $130 for 4 weeks |
| Safety Wing | Digital Nomads | Worldwide | 69 | Up to $250,000 coverage | -Inpatient, Outpatient, Evacuation, Travel -Rolling subscription or choose cover dates -No deductible | Starts at $40 for 4 weeks |
| Tune Protect | Thailand Residents Only | Thailand | 75 | Up to $100,000 coverage | -Inpatient, Outpatient, Evacuation, Travel -Choose your coverage dates -No deductible | Starts at $60 for 4 weeks |
| ACS | Families | Worldwide | 65 | Up to $550 000 coverage | -Any nationality, any destination -Inpatient, Outpatient, Evacuation, Civil liability Flight delay, Luggage -Risky sports and Sports equipment options available -Choose your coverage dates -No deductible -10% discount for groups of three or more people of the same family | Starts at $45 for 4 weeks |
| Genki | Digital Nomads | Worldwide | 69 | No limit | -Any citizen, any residence -Inpatient, Outpatient, Repatriation -Rolling subscription up to two years -$55 deductible per case | Starts at $54 for 4 weeks |
Frequently Asked Questions
No, but it’s strongly advised due to potential risks.
Yes, you can purchase travel insurance after booking your flight. However, it’s best to secure insurance as soon as possible to cover unforeseen events that may occur before your departure.
Buy insurance as soon as your trip is confirmed to cover potential cancellations or disruptions.
If you fall ill, you should seek medical assistance. Your travel insurance can help cover the medical costs and arrange for evacuation if necessary.
Seek immediate medical attention, and contact your insurance provider for guidance on the next steps, including claims and medical coverage.
The process varies by provider. Your first step should be to contact your insurance provider’s emergency hotline. They will guide you through the claims process, and you’ll need to provide supporting documentation like medical reports and receipts.
Some policies include natural disaster coverage. Check your policy details to understand the extent of your coverage.
Yes, some insurance policies have age restrictions or limitations for pre-existing medical conditions. Check the specific policy details to understand the limitations and any potential exclusions.
Adventure activities may be covered, but they often come with specific limitations or exclusions. Review the policy carefully to understand which activities are covered and if additional coverage is required.
If your policy includes trip cancellation coverage, you may be reimbursed for non-refundable expenses in the event of unforeseen circumstances like illness, death in the family, or natural disasters. Review your policy for specific details.
Yes, many travel insurance policies include coverage for lost or delayed luggage, along with compensation for essential items you may need while your luggage is missing. Other inconveniences like missed flights and delays are also often covered.
Travel Insurance: Ideal for short-term trips, covering risks like trip cancellations, lost luggage, flight delays, and emergency medical expenses while traveling.
Health Insurance: Best for long-term stays or living abroad, covering regular medical treatments, preventive care, and long-term health needs.
Choose travel insurance for short trips and health insurance for extended stays or ongoing medical coverage.
- Single-Trip Policies: Cover a specific trip, lasting from a few days to several months.
- Multi-Trip or Annual Policies: Cover multiple trips within a year, usually 30 to 90 days per trip.
- Long-Term Travel Insurance: Covers extended travel up to 12 months or more.
Check policy terms to ensure they match your travel duration and needs.
