Vietnam Travel Insurance Requirements

Key Takeaways

• Our analysis shows that Tin Leg, Travel Insured International, and IMG offer the best travel insurance for Vietnam.
• Vietnam attracts numerous visitors with its street food, scenic motorbike routes, and cultural sites. However, it also faces unpredictable weather and limited access to Western healthcare in rural areas, making travel insurance a wise choice.
• Motorbike accidents are a common risk for tourists, especially in bustling cities like Hanoi and Ho Chi Minh City. That’s why we recommend that comprehensive Emergency Medical and Emergency Evacuation coverage be part of your packing list.
• U.S. health insurance does not cover medical care in Vietnam, and international clinics typically require upfront payment for treatment. But a medical-only plan could protect you from financial risk for less than $3 a day.
• Try our online travel insurance comparison tool to get quotes from multiple providers at once. For personal assistance, call our award-winning agents at 1-800-240-0369

Our Top Recommended Vietnam Travel Insurance Plans

1. Tin Leg – Gold is ideal for Vietnam’s adventurous travelers. This plan offers high medical limits and optional coverage for 250+ sports and activities, including risky activities like motorbiking or cruising Ha Long Bay.
2. Travel Insured International – FlexiPAX is perfect for travelers seeking flexibility. It offers strong medical coverage and customizable benefits to handle Vietnam’s unpredictable weather or itinerary changes.
3. IMG – iTravelInsured Choice is an excellent fit for long-haul trips to Vietnam. It offers comprehensive medical and evacuation coverage, plus benefits for pre-existing conditions at the most affordable price of the three recommended plans.

Do I Need Travel Insurance for Vietnam?

Travel insurance is not required for U.S. citizens visiting Vietnam for tourism, but it is strongly recommended. While Vietnam is a stunning and budget-friendly destination, it presents several travel challenges that can lead to costly disruptions if uninsured.

Healthcare in Vietnam varies widely between urban and rural areas, and international travelers are often expected to pay out of pocket for treatment. According to the U.S. Department of State, most hospitals will not accept U.S. health insurance or Medicare and may require payment in advance before providing care.

Reasons You May Need Travel Insurance for Vietnam

Motorbike Accidents and Road Hazards

Vietnam’s roads are busy, unpredictable, and often overwhelming for first-time visitors. They are also the leading cause of death. Motorbikes dominate the traffic, and tourists frequently rent them to explore cities and the countryside. However, unfamiliar rules, uneven roads, and a lack of protective gear make accidents common.

✅ Travel medical insurance covers emergency care, hospital stays, and evacuation if you’re injured in a crash. Some policies even include optional adventure sports coverage for motorbike rentals, essential if you plan to drive yourself.

Remote Travel and Limited Medical Facilities

While Hanoi and Ho Chi Minh City have international hospitals, rural areas like Sapa, Ha Giang, and the Mekong Delta often lack reliable healthcare. If you’re hiking in the mountains or cruising through river towns, access to urgent medical care may be hours away.

✅ Emergency Medical Evacuation benefits ensure you can be transported to the nearest suitable facility, without paying thousands out of pocket. This is especially important for backpackers, cyclists, or travelers exploring off-the-beaten-path regions.

Weather Disruptions and Typhoon Season

Vietnam sees monsoons and typhoons from May to October, leading to flight delays, evacuations, or trip cancellations. Sudden shifts in weather may impact travel to locations such as Hanoi, Da Nang, Hoi An, and Ha Long Bay.

✅ Trip Cancellation and Trip Interruption coverage can reimburse prepaid hotels, flights, or tours if your plans are derailed by severe weather. Just be sure to purchase coverage before a storm is named.

Scams, Theft, and Lost Belongings

Busy areas like Ben Thanh Market or the Old Quarter are hotspots for petty theft, including bag snatching and pickpocketing. Tourists may also encounter scams involving taxis, tour operators, fake travel agencies, or romantic partners.

✅ Baggage and personal item coverage can help replace stolen items like wallets, passports, or electronics, which are essential in cities where replacements are hard to find or require rebooking travel plans.

Foodborne Illness, Insect Bites, and Medical Emergencies

Vietnam is famous for its street food, but changes in diet or sanitation can lead to foodborne illnesses. Mosquito-borne illnesses like dengue fever are also a concern, especially in the south.

✅ Travel insurance can cover treatment for illness during your trip, including doctor visits and prescriptions. If you fall sick before departure, you may also be reimbursed for non-refundable trip costs.

More Details on the Best Travel Insurance for Vietnam

Travel Insured International

• Recommended Plan: FlexiPAX
• Emergency Medical: $100,000
• Medical Evacuation: $500,000
• Trip Cancellation: 100% of trip costs
• Great for add-ons and coverage upgrades

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Tin Leg

• Recommended Plan: Gold
• Emergency Medical: $500,000
• Medical Evacuation: $500,000
• Trip Cancellation: 100% of trip costs
• Covers a wide-range of adventure sports & activities

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IMG

• Recommended Plan: iTravelInsured Choice
• Emergency Medical: $100,000
• Medical Evacuation: $500,000
• Trip Cancellation: 100% of trip costs
• Reliable coverage for pre-existing conditions

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How Much Does Vietnam Travel Insurance Cost?

Vietnam is one of the most affordable, with an average trip cost of $3k. Based on that data, travelers buying insurance, the average cost of a trip to Vietnam is $3,000, making it one of the most affordable destinations. Based on this data, travelers purchasing comprehensive travel insurance for Vietnam spent an average of $9.58 per day, making it one of the more affordable destinations to insure. For context, this daily rate is based on a policy costing $239.52 for a 25-day trip.

For budget-conscious travelers, a medical-only plan, excluding cancellation benefits, averaged just $3.08 per day, based on a premium of $89.43 for a 29-day trip.

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What Travel Coverage Do You Need for Vietnam?

Whether you’re weaving through Hanoi’s Old Quarter on a motorbike, cruising Ha Long Bay, hiking in Sapa, or exploring the vibrant markets of Ho Chi Minh City, the right travel insurance can protect you from unexpected expenses and logistical headaches. Here’s what to look for when choosing coverage for your Vietnam trip:

Travel Medical Coverage

Vietnam does not accept U.S. health insurance or Medicare, and travelers must typically pay upfront for treatment, especially at international clinics frequented by tourists. Emergency care, surgeries, or even a short hospital stay can quickly add up in major cities, while rural areas may lack access.

✅ Choose a plan with at least $100,000 in Emergency Medical coverage, though travelers heading to more remote areas or those with pre-existing conditions may want to opt for $250,000 or more. Some plans include Pre-Existing Condition Waivers if purchased shortly after your first trip deposit.

Medical Evacuation Coverage

Vietnam’s rugged terrain and rural countryside are stunning—but they also pose a challenge if you’re injured or seriously ill in an area without access to high-quality care. Medical evacuation may be required to transport you to a major city or out of the country.

✅ Look for plans with at least $250,000 in Medical Evacuation coverage—especially if you plan hiking, riding motorbikes, or visiting areas outside Hanoi or Ho Chi Minh City. Without insurance, medical evacuations can cost tens of thousands of dollars.

Sports and Activities Coverage

Motorbiking the Hai Van Pass, trekking through rice terraces in Northern Vietnam, and kayaking in Ha Long Bay are popular activities that may be excluded from basic policies unless you add specific coverage.

✅ If your itinerary includes adventure activities, choose a plan with Adventure Sports coverage. Plans like Tin Leg Gold or IMG iTravelInsured Choice allow you to add this upgrade, offering extra protection for travelers engaging in high-risk or guided excursions.

Trip Cancellation and Interruption Insurance

Flight delays, illness, weather disruptions, or visa issues can all derail your trip. Since many travelers spend thousands on long-haul flights and multi-city tours in Vietnam, cancellation coverage helps recoup those non-refundable expenses.

✅ Opt for a policy that offers 100% Trip Cancellation reimbursement and 125%–150% for Trip Interruption. These benefits can cover flights, hotel nights, guided tours, and domestic connections—essential when travel plans span several cities or rural areas.

Insurance for Baggage and Personal Items

Baggage delays are common at connecting hubs like Singapore, Bangkok, or Seoul, and theft is a known issue in crowded areas like markets and train stations. Losing essentials like medications or travel documents can derail your trip.

✅ Select a plan that includes Baggage Loss and Delay coverage, especially if you’re traveling with valuables like electronics or camera gear. Higher electronics or cash limits may benefit digital nomads or long-term travelers.

What Isn’t Covered by Vietnam Travel Insurance Plans?

Even the most comprehensive travel insurance plans have exclusions, and in a destination as dynamic and adventurous as Vietnam, overlooking them can lead to expensive surprises. Here are the most common scenarios that may not be covered:

Motorbike Accidents Without Proper Licensing or Coverage – Exploring Vietnam on a rented motorbike is a bucket-list experience—but if you’re not properly licensed, or your plan doesn’t include Adventure Sports coverage, you could be footing the bill after a crash. Injuries from motorbike accidents are among the top causes of medical claims in Vietnam, but basic plans often exclude them.

✅ If you plan to drive a motorbike or scooter, ensure your travel insurance includes Adventure Sports coverage and that you have an appropriate license accepted in Vietnam. Without both, your medical claim could be denied.

Alcohol- or Drug-Related Incidents —Vietnam’s nightlife, from rooftop bars in Saigon to Bia Hơi street corners in Hanoi, is part of its charm, but accidents or illnesses that occur while under the influence of alcohol or drugs are typically not covered by insurance. This includes medical bills, emergency evacuation, or liability claims.

✅ Travel responsibly. Most insurers will deny claims if intoxication contributed to the incident, even if you only had a few drinks.

Pre-Existing Medical Conditions – If you have a chronic condition like diabetes, heart disease, or asthma that flares up during your trip, it may not be covered unless your policy includes a Pre-Existing Condition Waiver. These waivers are time-sensitive and usually require purchasing insurance shortly after your first trip payment.

✅ Travelers with known health issues should choose a plan that offers a waiver and purchase it within 14–21 days of booking.

Non-Covered Trip Cancellations – Deciding not to go because you’re worried about long travel times, bad weather, or safety advisories won’t be covered under standard cancellation benefits. Travel insurance only reimburses cancellations for specific, covered reasons—like illness, injury, or natural disasters.

✅ If flexibility is necessary, consider adding Cancel For Any Reason (CFAR) coverage. This optional benefit allows you to cancel for personal reasons and recover part of your trip cost, as long as you follow the rules and purchase it within the required window.

Tips for Getting the Best Travel Insurance for Vietnam

Choosing the right travel insurance plan isn’t just about scoring the lowest premium—it’s about choosing coverage that matches your itinerary, activities, and the unique risks of traveling in Vietnam. Here’s how to find the right plan for your adventure:

Use a Comparison Tool

Not all travel insurance plans are created equal. Squaremouth’s quote engine lets you compare policies from over 20 top-rated providers, filtering by medical limits, evacuation coverage, adventure sports, and more. This is especially helpful for travelers backpacking, joining group tours, or planning multi-stop trips through Vietnam’s diverse regions.

Read the Fine Print

It’s easy to assume you’re covered for every situation, but many plans exclude injuries from motorbiking, hiking, or water excursions unless you add optional Adventure Sports coverage. Also, your claim may be denied if you rent a scooter without a valid license. Carefully review the Certificate of Insurance (COI) to understand coverage restrictions and activity exclusions.

Match Your Plan to Your Itinerary

Motorbiking through the countryside, trekking in Sapa, cruising Ha Long Bay, or navigating bustling cities carries different risks. If heading into rural or remote areas, prioritize plans with high medical and evacuation coverage. We recommend at least $100,000 in Emergency Medical and $250,000 in Medical Evacuation, especially for older travelers, solo adventurers, or those on longer itineraries..

Consider Add-Ons for Adventure Activities

Vietnam is packed with active excursions—kayaking, canyoning, trekking, and motorbike touring, to name a few. These aren’t always included in standard policies. Look for plans like Tin Leg Gold or IMG iTravelInsured Choice that offer optional upgrades for high-risk or adventure activities.

Plan for Weather and Travel Delays

Vietnam’s rainy season (typically May through October) can bring monsoons, typhoons, and flooding, especially in the central and northern regions. Delays or cancellations are common during this period. Choose a plan with strong Trip Interruption and Travel Delay benefits to protect your prepaid costs, or add Cancel For Any Reason (CFAR) coverage for greater flexibility.

Is Travel Insurance for Vietnam Worth It?

Yes, travel insurance for Vietnam is highly recommended. While not mandatory for entry, it protects against unexpected medical expenses, trip cancellations, and other unforeseen events. Given that U.S. health insurance is generally not accepted in Vietnam and medical facilities may require upfront payment, having travel insurance ensures peace of mind during your trip.​

FAQ: Vietnam Travel Insurance

Is Vietnam safe to visit?

Vietnam is generally considered safe for travelers. However, petty crimes like pickpocketing can occur in crowded areas. It’s advisable to stay vigilant, especially in tourist hotspots, and to follow local laws and customs.​

Is travel insurance mandatory for Vietnam in 2025?

No, travel insurance is not mandatory for entry into Vietnam as of 2025. However, it’s strongly recommended to have coverage for medical expenses and emergencies during your stay.​

Will my U.S. health insurance work in Vietnam?

Most U.S. health insurance plans do not provide coverage abroad, including in Vietnam. Additionally, Vietnamese medical facilities often require payment up front. Therefore, having travel insurance with adequate medical coverage is essential.​

What documents are required to travel to Vietnam?

Travelers need a valid passport with at least six months of validity remaining. Depending on your nationality, you may also need a visa. It’s essential to check the latest entry requirements before your trip.​

Do I need a visa or passport to travel to the Bahamas?

Yes, a valid passport is required. Visa requirements depend on your nationality. Some countries have visa exemption agreements with Vietnam, while others require a visa before arrival.​

Does Vietnam require COVID insurance?

As of now, Vietnam does not mandate COVID-specific insurance for entry. However, it’s advisable to have travel insurance that covers COVID-19-related medical expenses and potential trip disruptions.​

What is Sports and Activities Coverage, and do I need it for Vietnam?

Sports and Activities Coverage is an optional upgrade that covers injuries from high-risk activities typically excluded in basic plans. In Vietnam, this includes motorbiking, hiking in Sapa, kayaking in Ha Long Bay, and canyoning in Da Lat. Without this coverage, medical costs related to these activities may not be reimbursed.

Which activities are typically covered under Adventure Sports plans in Vietnam?

Coverage varies by provider, but Adventure Sports plans often include non-professional scuba diving, ziplining, rock climbing, trekking above certain elevations, and motorbiking (with a valid license). Some plans cover increasingly popular activities like whitewater rafting, parasailing, and caving in Central and Northern Vietnam. Always check your plan’s activity list and consider options like Tin Leg Adventure for high-risk or off-the-beaten-path adventures.

Helpful Resources

• Vietnam State Department Information

• Vietnam Travel Information