Vietnam Travel Insurance Guide

While Vietnam is generally affordable, medical care at private international clinics—where most tourists are treated—can be surprisingly expensive. A simple case of food poisoning or a minor traffic accident can result in bills running into thousands of dollars. Furthermore, if you require medical evacuation back to India, the costs can easily exceed ₹15-20 lakh without insurance. When calculating your overall Vietnam trip cost from India, a ₹1,500–₹3,000 insurance premium is a tiny fraction that protects your entire investment.

• Medical Coverage: Minimum USD 50,000 to USD 100,000. Covers hospitalization, doctor visits, and prescription medicines.
• Emergency Evacuation: Minimum USD 100,000. Covers air ambulance or medical repatriation to India if local facilities are insufficient.
• Dental Emergency: Covers sudden, acute dental pain requiring immediate extraction or treatment.

• Trip Cancellation/Interruption: Reimburses non-refundable flight and hotel costs if you must cancel due to illness, family emergencies, or natural disasters.
• Flight Delay: Provides compensation for meals and accommodation if your flight to Hanoi or HCMC is delayed by more than 6-12 hours.
• Lost/Delayed Baggage: Covers the cost of essential items if your checked luggage is delayed by more than 24 hours, or reimburses the value if permanently lost.
• Passport Loss: Covers the cost of emergency travel documents and additional accommodation required while waiting for a replacement passport from the Indian Embassy.

If you plan to rent a motorbike in Vietnam, your insurance will only cover accidents if:

• You hold a valid International Driving Permit (IDP) issued in India.
• You wear a helmet at all times (riding without a helmet voids the policy).
• Your policy explicitly includes "motorbike riding" or "two-wheeler" coverage.

For more on navigating the roads safely, refer to our Vietnam safety tips.

Activities like kayaking in Ha Long Bay, trekking in Sapa, or exploring the caves in Phong Nha are often classified as "adventure sports." Ensure your policy includes an adventure sports rider that covers these specific activities. Without it, any injury sustained during these excursions will be excluded from your medical coverage.

• Step 1: Notify Immediately. Call your insurer's 24/7 emergency assistance number the moment an incident occurs. For medical issues, they will direct you to a network hospital for cashless treatment.
• Step 2: Document Everything. Keep all original medical reports, prescriptions, discharge summaries, and bills. For theft, file a police report (FIR) at the nearest local police station within 24 hours.
• Step 3: Collect Proof. For flight delays, get a written delay certificate from the airline. For lost baggage, obtain a Property Irregularity Report (PIR) from the airport baggage counter.
• Step 4: Submit Upon Return. Compile all original documents, fill out the claim form, and submit it to your insurance provider in India within the stipulated time frame (usually 30 days).