Travel Insurance for Vietnam
Vietnam is a destination that captivates travelers with its stunning landscapes, rich history, and vibrant street culture. But as with any international trip, the unexpected can happen, and being prepared makes all the difference. Travel insurance for Vietnam can help with covered costs like medical emergencies, trip cancellations, lost checked baggage, and more — so you can spend less time worrying and more time exploring.
Do You Need Travel Insurance for Vietnam?
Vietnam doesn't require travel insurance for entry, but the U.S. Department of State recommends that all international travelers consider purchasing a policy. Many of Vietnam's most popular experiences take travelers into remote or rural areas where access to immediate medical care may be limited. Travel Insurance is worth considering especially if you have prepaid travel arrangements, plan to explore rural areas, or will be spending time away from major cities.
Will Domestic Insurance Work in Vietnam?
Before heading to Vietnam, it's worth taking a close look at what your U.S. health insurance actually covers abroad. Medicare, for instance, generally does not cover medical care outside the United States, with only a few narrow exceptions. Many other U.S. health plans have similar limitations (Medicare.gov).
That's why the Centers for Disease Control and Prevention (CDC) recommends considering travel medical insurance. In a destination like Vietnam, where healthcare costs and systems can differ considerably from what U.S. residents are used to, having additional medical insurance can really make a difference.
What Type of Travel Insurance is Right for Your Trip?
Understanding your options is the first step toward finding the right coverage for Vietnam. There are two main types of travel insurance to consider: comprehensive trip protection and travel medical insurance.
Comprehensive trip protection plans are designed to safeguard your prepaid travel investment — offering coverage for flights, accommodations, and excursions — while also including limited emergency medical benefits for illness, injury, or evacuation.
It's a strong fit for travelers who want financial protection against trip delays, interruptions, or cancellations. WorldTrips' Atlas Journey® plan, for example, may reimburse eligible non-refundable expenses if your trip is canceled or cut short for a covered reason.
Travel medical insurance, on the other hand, focuses primarily on unexpected medical situations that arise while you're abroad, with more limited coverage for travel-related issues like lost checked baggage or trip delays.
WorldTrips' Atlas Travel® insurance takes it a step further by connecting travelers with Air Doctor — a service that can arrange telehealth consultations, in-clinic visits, or even care at your hotel. These plans also offer the flexibility to adjust deductibles and coverage limits to suit your destination, trip length, and budget.
Travel Medical Insurance
Atlas Travel
Designed for international travelers who need travel medical insurance coverage while abroad. Choose your deductible and coverage limits to match your destination, length of stay, and budget.
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Trip Protection Plans
Atlas Journey
A great option for U.S. residents looking for trip protection. Trip insurance includes benefits for trip cancellation, interruption, delays, and emergency medical care.
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Why Choose WorldTrips for Your Vietnam Travel Insurance?
Global Experience
With more than 30 years in the industry, WorldTrips has supported over five million travelers globally — from families and students to frequent flyers and business professionals. As part of the Tokio Marine HCC group, WorldTrips benefits from solid financial backing and a reputation built on trust, reflected in TMHCC's A++ (Superior) rating from AM Best.
Flexible Coverage
Every trip is different, and WorldTrips' plans are built to reflect that. With coverage options that can include medical emergencies, trip cancellations, travel delays, and lost checked baggage, there's a plan to suit nearly any itinerary — whether you're planning a brief getaway, visiting loved ones, studying abroad, or setting off on an extended adventure.
24/7 Global Support
Help is never far away when you travel with WorldTrips. Travelers have access to 24/7 multilingual emergency assistance and a network of healthcare providers across more than 190 countries. Whether you need a medical evacuation coordinated or a local doctor found quickly, support is available when it matters most. Atlas Travel customers also benefit from a partnership with Air Doctor, making it simple to arrange virtual or in-person care wherever your travels take you.
Simple, Transparent Claims
Travel insurance should work for you, not against you. WorldTrips provides a straightforward online claims process designed to make reimbursement as hassle-free as possible. Every plan includes a clear Description of Coverage, to help you understand exactly what you have coverage for before you leave home.
Here’s what our customers have to say:
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“Reasonably priced travel insurance all at your fingertips.” -Ema
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“I had an unexpected heart issue just as I was about to really start my vacation and everything was handled efficiently and without worry to me.” -Sarojini
When travel doesn't go as planned, WorldTrips is there to help.
Healthcare in Vietnam
According to the U.S. Department of State, medical facilities, including emergency response services, frequently do not meet international standards and may lack medicine and supplies. Medical personnel generally speak little or no English and international clinics in Hanoi and Ho Chi Minh City are better suited for minor illnesses and injuries than for major emergencies, which may require evacuation to another city in the region.
Pharmacies in Vietnam carry many prescription and non-prescription medications, but some common U.S. medications may be unavailable. Bring enough supply for your entire stay and carry a copy of any prescription if your medicine is stored outside its original packaging.
Medical care abroad doesn't have to be complicated. WorldTrips gives you the freedom to see any healthcare provider in Vietnam — with no network restrictions or pre-approvals required. Pay out of pocket at the time of service, then submit a claim for reimbursement.
When filing your claim with WorldTrips, gather the following:
- Itemized bills that include your diagnosis
- Medical records and copies of any prescriptions
- Receipts for all out-of-pocket payments
- A doctor's note if your condition disrupted your travel plans
“WorldTrips is the best travel insurance company of 2024, based on our analysis of cost and coverage options.”
Visa & Entry Requirements for Vietnam
The U.S. Department of State says that for U.S. citizens, a tourist visa is required for Vietnam. Your passport must be valid for at least six months beyond your planned stay, and you need at least one blank visa page for the entry stamp. You must enter and exit Vietnam on the same passport.
U.S. travelers can apply for a visa through a Vietnamese embassy or consulate or use the Government of Vietnam’s e-visa system. E-visas are usually processed in three to five working days, must be printed and presented with a valid passport at entry, and cannot be renewed or extended from within Vietnam. Be sure to accurately fill out your information; even small mistakes on an e-visa, such as a typo or missing middle name, can lead to denial of entry.
Travel & Safety Tips for Vietnam
Here are some travel and safety tips for those visiting Vietnam, according to the U.S. Department of State and the CDC.
Crime
Stay alert in crowded areas and tourist zones. Petty crime is regular in Vietnam, including theft, pickpocketing, and bag grabs, and notes that motorcyclists often snatch bags, phones, cameras, and other valuables from people walking or riding on the street. If you are targeted, do not resist.Transportation
Major taxi companies tend to be reliable, but some smaller operators use rigged meters, especially on airport routes. Avoid the use of unregulated motorcycle taxis, or “xe om.” App-based services such as Grab and local taxi apps are widely used.Road Safety
Take road safety seriously. Traffic can be dangerous and undisciplined, and buses can be overcrowded and unsafe, so travelers should not operate motorcycles or scooters. If you do ride, wear a helmet and understand that a valid license is required.Personal Safety
Do not leave food or drinks unattended. Strangers or recent acquaintances may use drugged snacks, drinks, gum, or cigarettes to facilitate robbery or assault. Avoid liquor or cigarettes purchased from street vendors or strangers because authenticity cannot be assured.Air Quality
Air pollution levels in Vietnam's major cities can be significant. Consult your doctor before traveling to understand how seasonal smog and heavy particulate pollution may affect you.Insects and Animals
To avoid bug bites, travelers can wear long sleeves, insect repellent, stay in screened or air-conditioned rooms, and use bed nets when needed to lower mosquito exposure. Be careful around animals such as dogs, bats, monkeys, jellyfish, and snakes.Local Laws
You are subject to the local laws in Vietnam. Notably, Vietnam strictly limits political expression — U.S. citizens, particularly those of Vietnamese descent, have been detained or prosecuted for criticizing the government, possessing political materials, engaging in unsanctioned religious activities, or posting content online deemed critical of the state.Preparing for your Vietnam trip goes beyond knowing what to pack. Explore WorldTrips' travel insurance options before you go — so you have a plan if something doesn't go as expected. Get a quote today!
* Pre Existing Condition Definitions
Pre existing condition definitions vary by plan type. Review the definition that applies to the product you are considering.
Comprehensive Trip Protection
(Atlas Journey, Atlas Cruiser, Atlas On the Go)
Pre existing condition means an illness, disease, or other condition during the 90 day period immediately before your coverage effective date for which you did any of the following:
• received a test, examination, or medical treatment
• received a recommendation for a test, examination, or medical treatment
• took or received a prescription for medication
Item (3) above does not apply to a condition that is treated or controlled solely through the use of prescription medication and remains treated or controlled without any change in required prescription throughout the 90 day period before your coverage effective date.
Change in required prescription means the dosage or frequency has been increased, reduced, stopped, and or new medication has been prescribed due to the worsening of the condition being treated. Exceptions include:
• switching between brand name and generic medication with equivalent dosage
• adjustments to insulin or anti-coagulant dosage
Pre-existing Condition Exclusion Waiver: Pre-existing conditions are excluded from coverage unless you meet both of these requirements: 1) you purchase your Atlas Journey Elevate or Explore plan within 21 days or purchase your Atlas Escape plan within 14 days of the date you made your first payment toward your trip; and 2) you are medically able to travel on your coverage effective date.
If you do not purchase your Atlas Journey plan within the required time period, a 90-day lookback period will apply to pre-existing conditions. Coverage varies by plan and state of residency. Please review the policy documents specific to your plan and state of residency for a full list of covered reasons, conditions, and exclusions.
Travel Medical Insurance
(Atlas Travel, Atlas Premium, Atlas Nomad, Atlas MultiTrip, Atlas America)
Pre-existing Conditions are excluded except for an applicable Acute Onset of a Pre-existing Condition.
Pre existing condition means any injury, illness, sickness, disease, or other physical, medical, mental, or nervous disorder, condition, or ailment that, with reasonable medical certainty, existed at the time of application or at any time during the 2 years prior to the effective date of this insurance. This applies whether or not the condition was previously manifested, symptomatic, known, diagnosed, treated, or disclosed, and includes any subsequent, chronic, or recurring complications or consequences related to the condition.
An Acute Onset of a Pre-existing Condition means a sudden and unexpected outbreak or recurrence that is of short duration, is rapidly progressive, and requires urgent care. A pre-existing condition that is a chronic or congenital, or that gradually becomes worse over time is not acute onset of a pre-existing condition. An Acute Onset of Pre-existing Condition does not include any condition for which, as of the Effective date, the Insured Person (i) knew or reasonably foresaw he/she would receive, (ii) knew he/she should receive, (iii) had scheduled, or (iv) was told that he/she must or should receive, any medical care, drugs or treatment.
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WorldTrips is a member of the Tokio Marine HCC group of companies. WorldTrips international travel medical insurance products are underwritten through binding authorities with TMHCC (CI) Insurance SPC Ltd and Houston Casualty Company (HC).