Travel Insurance For Vietnam: Everything You Need To Know

The exact inclusions of your travel insurance will be dependent on your personal policy and the provider.

However, generally speaking, you can expect a travel insurance policy for Vietnam to offer some level of cover for:

  • Medical expenses;
  • Lost, damaged or stolen luggage;
  • Travel cancellations or delays;
  • Personal liability;
  • Credit card fraud;
  • Covid-19 expenses;
  • And more.

    • If you are partaking in certain sports and activities, you will need to make sure that you choose a policy that covers them. You'll also need to make sure that your policy covers any pre-existing medical conditions as well.

    Plus, if you are travelling with valuables, you may wish to opt for a policy that lets you increase the protection cover on your items.

    Ultimately, you need to consider what your trip consists of, what you will be taking with you, and your physical health to establish what policies would be appropriate for you.

    From there, you can compare quotes of different policies and providers to ensure you have the optimal—yet affordable—cover for your trip to Vietnam.

    Does Travel Insurance Cover The Ha-Giang Loop?

    Considered one of the most scenic motorcycle routes in the world, the Ha-Giang Loop is a popular tourist activity in Vietnam for adventurous travellers. If the Ha-Giang Loop is one of your goals, you'll need to make sure you have travel insurance that covers motorcycling.

    Occasionally a policy may include this as one of their included 'sports and activities', but it is more often the case that you will need to purchase an additional 'adventure pack' that is either specific to, or includes, motorsports.

    Even so, when purchasing an additional pack to cover motorbikes, you need to be cautious of the conditions. For example, some policies will only cover motorcycle riding if the bike you are riding has an engine under a certain size.

    Often, coverage will cease and claims won't be accepted if you haven't been wearing the correct safety equipment such as boots and a helmet, or have been under the influence of drugs and alcohol.

    What Does Travel Insurance Exclude?

    Your travel insurance policy may exclude some activities that you wish to partake in, unless you can opt-in to purchase an additional adventure pack as explained above in regards to motorbike riding.

    Just like with the inclusions of a policy, the exclusions depend on what type of policy you choose, and what provider you go with.

    Commonly, however, you won't be covered for instances where you:

  • Break the law;
  • Are under the influence of alcohol or drugs;
  • Partake in an excluded activity;
  • Receive medical treatment for a pre-existing condition that was not disclosed;
  • Travel to a 'Do Not Travel' destination as outlined by Smarttraveller.

    • As always, it is essential to read the product disclosure statement (PDS) of your travel insurance policy carefully to understand what you will and won't be covered for while overseas.

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