Travel insurance Vietnam

Heading off to Vietnam for your next holiday? The gorgeous Vietnamese countryside, the limestone islands in Halong Bay, the motorbike rides in Hanoi - as you dream of all the fun days to come, don’t forget to buy the perfect Vietnam travel insurance.

What are the different types of travel insurance for Vietnam?

Single/multi trip travel insurance

If you are one of those jetsetters who generally travel overseas two to three times in a year, it makes sense to buy a multi trip cover. This will save you some money and you won’t need to purchase insurance every time you plan a trip. But if you’re a once-a-year traveller, then it’s best you stick with the single trip travel insurance for Vietnam.

Backpacker's travel insurance

Vietnam is a popular backpacking destination for Australians and if you’re chasing the thrill of the unknown, you should definitely look at the backpacker’s travel insurance for Vietnam. This will cover you for a longer duration and can include adventure activities or extreme sport that you might intend to try on your trip.

Seniors travel insurance

For those who’ve saved the charms of Vietnam for their golden years, it’s a good idea to check out seniors travel insurance. Whether it’s extra medical cover or any other specification that you want added for a little extra charge, it’s best to make sure you are covered for potential eventualities.

Travel insurance for pregnancy

Planning a babymoon in Vietnam? Generally, travel insurance covers pregnancies up to the end of the second trimester, but there are conditions to this so before jumping on a plane to HCMC you certainly want to make sure both you and your baby will be covered. Sometimes, if you’ve had past complications or if yours is a medically assisted pregnancy, there could be different terms and costs attached with travel insurance. Read the policy carefully so you know exactly what is included and what’s not.

How much will it cost to buy travel insurance to Vietnam?

The total cost of your travel insurance to Vietnam is based on a number of factors, for example, the duration of your holiday, your age and the number of people travelling with you. Following is a snapshot of costs for Vietnam travel insurance for a 7 day trip. Do remember that prices and terms for different policies are subject to change.

7 days Policy Cost

Aged 25

Basic Cover: Insure and Go - Bare Essentials - Unlimited hospital and emergency cover, $2,000 luggage and personal effects, no cancellation

Comprehensive Cover: Travel Insurance Worldcare - Comprehensive - Unlimited hospital and emergency cover, $12,000 luggage, unlimited cancellation fees



Family of 4 - 2 adults (35), 2 kids (10 & 6)

Basic Cover: Insure and Go - Bare Essentials - Unlimited hospital and emergency cover, $2,000 luggage and personal effects, no cancellation

Comprehensive Cover: Budget Direct - Comprehensive - Unlimited hospital and emergency cover, $7,500 luggage, unlimited cancellation fees



Over 65

Basic Cover: Travel Insurance Saver - Bare Essentials - Unlimited hospital and emergency cover, $2,000 luggage and personal effects, $5,000 cancellation

Comprehensive Cover: Southern Cross Travel Insurance - Single Journey - Unlimited hospital and emergency cover, $25,000 luggage, $50,000 cancellation fees



Travel insurance tips for Vietnam

While there are number of tips and traps for travel insurance anywhere, not only in Vietnam, there is one thing that we would like to stress on before you put your money behind any policy - read the fine print and don’t make any assumptions on behalf of your insurer. It would be a complete waste of money to purchase a policy that doesn’t actually help you in the time of need. Here are some of the other points you should keep in mind while shortlisting a travel insurance policy:

Excess fees

What is the policy excess? If you make a claim on your travel insurance policy, you might also need to pay an excess fee up to a set amount. Any money over this would be paid by the insurer. Excess fee varies for different policies. Usually, the more basic the cover, the cheaper your insurance - but this means that the excess could be higher than other more expensive policies. Also generally you will need to pay an excess for each event claimed for. So for instance if you have your bag stolen but also end up also needing emergency dental work you will need to pay an excess fee on both claims.

Pre-existing conditions

If you think you can get away with hiding a pre-existing medical condition from your insurer, think again. Insurance providers require you to declare any pre-existing conditions when you buy a policy and if you don’t do this, you will not be covered for a situation related to that condition. They can access medical information or insurance to determine whether you’ve been treated for a condition before and refuse your claim.

Unattended baggage

Got extra cover for your baggage but forgot to read that unattended bags are not covered by insurance? Tsk tsk! Always be careful with your luggage because if things go missing when they were unattended or even in an unmanned car, the insurance provider can refuse to accept your claim for it.

Report incidents ASAP

If something happens, you should report the incident to your insurer as soon as possible. There are two benefits of doing so. First, you can double-check in case there are any specific requirements for filing the claim, say certain documents, police reports, hospital bills or photographs. And secondly, you’ll reduce chances of a delay in your claim.

Vehicles in Vietnam

Renting a motorbike in Hanoi sounds like an extremely exciting plan but if you are not licensed to drive a bike then don’t bother riding it. If you end up in an accident without the required paperwork, you insurance claim could be rejected.

Drinking with caution

Sharing a drink with friends at the local bar is a great experience but you don’t want to get drunk in an unfamiliar setting. It’s best to drink in moderation so you’re in complete control of your actions and whereabouts because just in case there is an accident and you get hurt or hurt someone else, your insurance claim may not be accepted.

Vietnam travel must knows


While Vietnam’s larger cities like Ho Chi Minh City and Hanoi, Hue are modern there are still parts of Vietnam that are less so, and vaccination is recommended before you travel. The diseases recommended to get vaccinations against include diphtheria, hepatitis A and B, Japanese encephalitis, polio, and TABT (tetanus, paratyphoid A and B, and typhoid). Since malaria is prevalent in certain areas, malarial prophylaxis may also be prescribed.

Driving in Vietnam

You need to have a valid Vietnamese driver’s licence to be able to drive in Vietnam. Non-Vietnamese citizens can drive any vehicle, including a car or bike, if they hold a temporary Vietnamese driver’s licence. Also, traffic rules and jams in Vietnam can be quite different from what you’re used to in Australia, so you need to be very careful if you plan to hire a vehicle.

Drug offences

You should already know this but penalties for drug offences in Vietnam are very strict and include the death sentence.

Weather conditions

If you are travelling to Vietnam between June and December, do keep in mind that this is a rainy season there when flooding and typhoons are common in various parts. It’s best to follow the instructions of local authorities and check weather reports before going to any affected areas.

Travel insurance claims checklist

For a smooth and successful claim, make sure you’ve read the fine print of your policy carefully. You don’t want to be in a situation where your claim gets rejected because you overlooked an essential detail. Here’s a quick checklist to make sure your travel insurance claim is not rejected:

  • Before buying any travel insurance policy, you must make sure you know exactly what you’re covered for. Be honest with your insurance provider about any pre-existing medical conditions that you might have so there is no confusion at the time of registering a claim
  • Make copies of your travel insurance policy as well as any other documents such as bills or receipts for the belongings you're taking with you. Keep the originals with yourself and give the copies to a friend just in case you were to misplace them
  • If you buy something expensive during your trip, remember to keep the receipts to prove ownership
  • If your belongings are lost or stolen, report the incident to the local police within 24 hours and make sure you ask for a copy of police report to attach with the claim
  • In case of a medical emergency, try to call the travel insurer's medical assistance hotline to let them know of the situation

Mozo’s travel insurance comparison calculator

The best thing about Mozo’s insurance comparison calculator is that you don't need to spend hours looking for the right travel insurance. When you’re just too busy planning the other details of your Vietnam holiday, Mozo’s insurance comparison calculator is the ideal tool to help you get the cover you need, fast.

Travel insurance reviews

Once you’ve shortlisted the travel insurance policies that best suit your holiday plans, look up reviews by other Australians who have used these products before. This helps get a better insight into different providers and their services. Check out our long list of travel insurance reviews here.

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