Best Travel Insurance For Vietnam: Ho Chi Minh City, Hanoi & More

Ferlin Mok

Ferlin Mok

Last updated 12 March, 2024

Getting ready for a trip to Vietnam? The key to a worry-free adventure lies in choosing the right travel insurance.

Vietnam, with its rich culture and diverse landscapes, attracts numerous travellers, but it also comes with its share of travel risks. You may experience health issues from street food, traffic accidents or even unforeseen political unrest. Plus, unexpected events such as trip cancellations, lost luggage and flight delays can disrupt your travel plans and lead to significant expenses.

Thankfully, a comprehensive travel insurance plan can provide peace of mind, ensuring that you're protected against these risks and can fully enjoy your trip. But with so many options available, finding the perfect fit for your specific needs can be overwhelming. We help you save precious time by sifting through all the travel insurance and picking the ones that cater to various traveller requirements.

From medical coverage to trip cancellations and more, we ensure you get the best protection for your adventure in Vietnam with our easy-to-understand advice.


Table of contents:

Last updated on 24 May 2024. Travel insurance promos are subject to change without prior notice.


Why you need travel insurance for Vietnam

As we’ve mentioned, Vietnam presents unique risks that can disrupt your trip. For example, in cities like Ho Chi Minh City and Hanoi, traffic can be chaotic with over 5,000 deaths caused by road accidents each year. Additionally, tropical diseases like dengue fever are prevalent in certain areas, resulting in over 190 deaths in 2017. And with over 12 million international visitors arriving in the country each year, losing your luggage in the airport can also be a significant inconvenience.

Fortunately, having the right travel insurance ensures that you are protected against unforeseen events, allowing you to enjoy your adventure without worries. In the event of a medical emergency, for instance, travel insurance can cover hospital visits, treatments and even medical evacuation if necessary. Also, it can reimburse your expenses if you cancel your trip due to unexpected events like natural disasters, political unrest or personal health issues. What’s more, travel insurance can cover the cost of lost or damaged baggage, helping you replace essential items and continue your trip with minimal disruption.


Comparing the best travel insurance plans for tourists in Vietnam

Best travel insurance for Vietnam
Travel insurance plan
*Estimated premium rate
Great overall value
Tiq Travel Insurance
From S$27.00
Budget-conscious travellers
FWD Travel Insurance
From S$24.27
Flight diversion/cancellation/postponement
Tiq Travel Insurance
From S$27.00
Overseas medical coverage
Singlife Travel Insurance
From S$33.68
Pre-existing conditions
MSIG TravelEasy Pre-Ex
From S$44.50
Family trips
DirectAsia Travel Insurance
From S$26.25
Elderly travellers
Singlife Travel Insurance
From S$33.68
Pregnancy travel concerns
MSIG TravelEasy Pre-Ex
From S$58.00
Adventure and sports activities
Tiq Travel Insurance
From S$27.00
COVID-19 coverage
DirectAsia Travel Insurance
From S$26.25

*Based on a single, 1 adult, 4D3N trip to Vietnam

When planning your trip to Vietnam, it’s crucial to compare different travel insurance plans based on your itinerary and activities. Here’s a detailed look at why each of these providers is highly regarded:

Tiq

Tiq Travel Insurance provides excellent overall value with its extensive coverage and flexibility. It offers substantial protection for overseas medical expenses up to S$1,000,000, making it an ideal choice for those seeking comprehensive medical coverage. 

Additionally, Tiq's travel insurance plans for Vietnam can cover accidental injuries incurred from recreational activities like hot air ballooning, hiking or trekking (within 3,000 metres from sea level), and scuba diving (up to a depth of 30 metres). These activities have to be conducted within safety parameters. Refer to the plan wording for full terms and conditions. 

Its coverage for flight diversion, cancellation and postponement further adds to its appeal, ensuring your travel plans are well-protected against unexpected changes. With premiums starting from S$27.00, Tiq offers great value for money.

 

SingSaver's Exclusive TIQ Travel Insurance Promotion: 

Single Trip: Use the promo code TIQSINGSAVER to get 40% off plus 80% off on Covid-19 add on. Valid till 31 July 2024. T&Cs apply.

Also receive a Complimentary lounge access during flight delays. Valid till 30 September 2024 5:30 pm.   Plus, purchase eligible Etiqa or Tiq by Etiqa plans for a chance to win S$10,000 in cash or a Singapore Mint Lunar Dragon 1 gram 999.9 fine gold medallion (valued at S$173). Fulfillment by TIQ. Valid till 15 August 2024. 

Key in the promo code under the coupon code section on the next page after selecting your destination and dates. The prices shown are before discounts.

Receive coverage for trip cancellations, medical expenses, and more when you purchase the COVID-19 Rider. T&Cs apply.

 

FWD

Known for its affordability, FWD offers comprehensive insurance coverage at a budget-friendly price. It includes essential protections such as COVID-19 coverage, trip cancellations, and emergency medical expenses. FWD also offers a unique add-on for trip cancellation for any reason, providing additional flexibility for travellers going to Vietnam. This makes it an excellent choice for budget-conscious travellers who want robust protection without a hefty price tag. With premiums starting from S$24.27, FWD ensures you can travel with peace of mind without breaking the bank.

SingSaver's Exclusive FWD Promotion: Use the promo code SSTRIP to get a 30% discount on Single Trip and Annual Trip plans! Valid till 26 May 2024. T&Cs apply. Also receive:

 

Singlife

If you want to prioritise extensive medical coverage, Singlife is a great choice. Plus, unlike many insurance companies, this provider covers medical expenses for travellers over 70 years old. At the same time, it offers substantial protection for niche interests like golfing and water sports. And if you’re planning to hold a wedding ceremony or photoshoot abroad, Singlife can insure accidental loss and damage to your wedding accessories and ceremonial attire. It can also cover personal liability towards invited wedding guests. 

Singlife’s robust medical coverage and specialised options make it an excellent choice for seniors and those with particular travel plans. With premiums starting from S$33.68, this travel insurance plan for Vietnam offers high-value coverage tailored to meet diverse travel needs.

Singlife Travel Insurance Promotion:

Single Trip: Enjoy a 25% discount when you use the promo code TRAVEL25 for Single Trip. Valid till 7 July 2024. T&Cs apply.

Annual Trip: Use promo code ANNUAL25 to get 25% off Annual Trip plans when you buy now. Valid till 30 June 2024. T&Cs apply.

Also receive:

  • Complimentary lounge access during flight delays. Valid till 30 September 2024 5:30 pm. 



MSIG TravelEasy Pre-Ex

MSIG TravelEasy Pre-Ex plans are tailored for travellers with pre-existing conditions, providing essential insurance coverage at competitive prices. With premiums starting from S$44.50, it ensures that travellers with existing health concerns are well-protected in Vietnam. MSIG also offers coverage for pregnancy travel concerns, making it suitable for expectant mothers.

Also receive:

MSIG TravelEasy has been enhanced to provide better travel protection with over 50 benefits and COVID-19 coverage.

 

DirectAsia

DirectAsia Travel Insurance is a great option for family trips and COVID-19 coverage. It offers comprehensive coverage for all family members at an affordable price, with premiums starting from S$26.25. Its plans ensure that your entire family is protected during your travels in Vietnam, providing essential benefits such as trip cancellations, medical expenses, and more. DirectAsia's coverage for COVID-19 related issues makes it a reliable choice in the current travel climate.


Best travel insurance for Vietnam 

Vietnam is known for its historic sites, mouth-watering cuisine, scenic beaches, and outdoor activities appealing to all types of travellers. 

Here are the best travel insurance plans for your trip to Vietnam based on different travellers' needs. We’ve prepared a deep-dive analysis of why we believe these recommended plans are the best. Click on the recommended travel insurance to find out more.


Comparing Vietnam travel insurance coverage

Travel insurance providers
Overseas medical expenses
Personal liability
Loss of baggage
Trip cancellation
Total premium
Tiq Travel Insurance
Up to S$1,000,000
Up to S$750,000
Up to S$3,000
Up to S$10,000
From S$27.00
FWD Travel Insurance
Up to S$200,000
Up to S$500,000
Up to S$3,000
Up to S$7,500
From S$24.27
Singlife Travel Insurance
Up to S$250,000
Up to S$250,000
Up to S$10,000
Up to S$3,000
From S$33.68
MSIG TravelEasy Pre-Ex
Up to S$1,000,000
Up to S$1,000,000
Up to S$7,500
S$15,000
From S$44.50
DirectAsia
Up to S$150,000
S$200,000
Up to S$1,000
Up to S$3,000
From S$26.25

When you compare Tiq’s coverage against its premium rates, it still stands out for its exceptional overall value. With overseas medical expenses coverage up to S$1,000,000, it’s the ideal insurance provider when you’re travelling to Vietnam. Additionally, Tiq offers personal liability coverage of up to S$750,000, a trip cancellation claim limit of S$10,000 and baggage loss protection of up to S$3,000. 

Starting at just S$27.00, Tiq’s plans are excellent for travellers seeking comprehensive coverage without overspending. Besides, its flexibility in adding coverage for adventurous activities and pre-existing medical conditions makes it suitable for diverse needs.

If you’re travelling to Vietnam on a budget yet you still want to be financially protected, FWD Travel Insurance is an ideal option. Despite its lower cost, with premiums starting from S$24.27, it does not compromise on essential protections. 

FWD provides up to S$200,000 in overseas medical expenses coverage and up to S$500,000 in personal liability. It also offers solid trip cancellation coverage of up to S$7,500 and baggage loss protection of up to S$3,000. Plus, FWD lets you customise add-ons like coverage for COVID-19, rental car excess and trip cancellation for any reason.

As we’ve mentioned, Singlife Travel Insurance is particularly appealing to those prioritising extensive medical coverage, especially elderly travellers. With overseas medical expenses coverage up to S$250,000 and trip cancellation coverage up to S$10,000, Singlife ensures significant protection for medical emergencies and travel disruptions. 

Meanwhile, personal liability coverage is up to S$250,000, and baggage loss coverage is up to S$3,000. Starting at S$33.68, Singlife’s policies offer robust medical coverage and specialised options for activities like scuba diving and golfing, making it a top choice for seniors with specific travel plans.

On the other hand, MSIG TravelEasy Pre-Ex is the best option for travellers with pre-existing conditions. It offers extensive coverage, including up to S$1,000,000 for both overseas medical expenses and personal liability. The plan also provides substantial trip cancellation coverage up to S$15,000. While the premium is higher, starting at S$44.50, this plan ensures that travellers with existing health concerns are well-protected.

If you’re travelling with your family and you want COVID-19 coverage, DirectAsia Travel Insurance is the ideal option for you. With premiums starting from S$26.25, it offers comprehensive coverage for all family members, including up to S$150,000 in overseas medical expenses and up to S$200,000 in personal liability. Plus, trip cancellation coverage is up to S$3,000 while baggage loss protection is up to S$3,000. 


How much does travel insurance for Vietnam cost?

Travel insurance prices vary based on these factors:

  • Trip duration – Longer trips mean higher premiums.
  • Types of activities – Adventurous water sports such as white water rafting and cave/river tubing can be covered by some travel insurance at an additional cost.
  • Medical coverage for pre-existing medical conditions – Travel insurance that covers medical expenses caused by pre-existing medical conditions costs more.

On average, for a 4-day-3-night trip to Vietnam, expect to budget about S$24.27 to S$58.00 towards travel insurance premiums.

You should get quotes from several insurance companies before choosing a travel insurance plan. It will help you find the best price and coverage. Make sure the plan covers the activities you will do on your trip. 

Compare travel insurance easily with SingSaver and enjoy additional discounts and attractive rewards. 


Region specific travel insurance advice

When visiting Ho Chi Minh City, business travellers should prioritise protection against trip cancellations as well as lost or delayed luggage. Also, with the city's chaotic traffic, coverage for overseas medical expenses is essential.

For those exploring the central highlands of Vietnam, which offers activities like hiking, trekking and climbing, it's crucial to have travel insurance for adventure activities. This should encompass medical coverage and emergency evacuation services to ensure you're protected during your adventures. 

Travellers to central Vietnam, known for its historical sites and stunning beaches, should ensure their insurance provides robust medical coverage. They should also get protection against trip cancellations or interruptions, particularly due to natural disasters that can affect this region. 


How to choose the best travel insurance plan for Vietnam

When selecting travel insurance for Vietnam, consider the type of travel, trip duration and activities planned. For instance, adventure travel requires coverage for activities like hiking, scuba diving and rock climbing.On the other hand, business travel might need more comprehensive insurance that can cover expenses incurred by medical emergencies and trip cancellation. 

In any case, key coverage areas include medical expenses, trip cancellations and personal liability. Although cost is also a factor, the cheapest plan may not provide adequate protection. As such, ensure the plan offers sufficient coverage at a reasonable price. Additionally, find a plan in Singapore that offers versatility. So, look for extra features such as COVID-19 coverage, rental car protection and emergency evacuation to enhance your travel safety.


Travel safety tips for Vietnam

Always be cautious of traffic, especially in busy cities like Ho Chi Minh City and Hanoi, where road conditions can be hazardous. Wear helmets when riding motorbikes and consider using reputable taxi services instead. Also, be vigilant about your belongings to avoid petty theft, which is common in crowded areas. 

Additionally, be mindful of food and water safety; opt for bottled water and eat at well-reviewed restaurants to prevent foodborne illnesses. It's also wise to stay updated on local weather conditions, as Vietnam can experience sudden tropical storms. Finally, ensure you have comprehensive travel insurance to cover medical emergencies, lost belongings and trip disruptions.


Get your travel insurance before your next Vietnam trip!

Protect your trip with comprehensive travel insurance. Compare plans and secure the best coverage today to ensure a worry-free experience in Vietnam!


Conclusion

Travel insurance is crucial for safeguarding your health and trip investments in Vietnam. With risks such as traffic accidents, tropical diseases and unexpected travel disruptions, having the right coverage can save you from significant financial burdens. If tragedy strikes, it's a minimal expense relative to huge hospital bills or forfeited prepaid travel costs. Plus, knowing you are well-insured, you’ll have extra peace of mind to relax and immerse yourself fully in Vietnam's captivating landscapes and culture. 

Select from the recommended plans according to your travel needs. You can also compare travel insurance easily with SingSaver and enjoy additional discounts and attractive rewards today. 


Frequently asked questions

Do you need travel insurance to enter Vietnam?

Previously, due to the COVID-19 situation, Vietnam required all travellers to have valid travel insurance that covers COVID-19 treatment with a minimum coverage of USD 10,000. However, this requirement was lifted in 2022. 

Now, you don’t need travel insurance with COVID coverage to enter Vietnam

While travel insurance is no longer mandatory, having one is always in your best interest. Travel insurance has a wide range of benefits at an affordable cost. It means you’ll be covered in unexpected (expensive) events at a low cost. You’ll be at ease during your trip knowing your insurance protects you.

When is the best time of the year to visit Vietnam? 

The best time to visit Vietnam is generally between December and April. This dry season brings less rain, comfortable temperatures, and sunny days, perfect for beachgoing and outdoor activities. Peak tourism occurs from December to February, so expect some crowds and higher prices. 

Monsoon season in Vietnam is between May and November. Heavy rain and strong winds during those months can disrupt travel plans. So, make sure you have comprehensive insurance coverage if you plan to visit Vietnam within that period.

Is it safe to visit Vietnam?

Absolutely. Vietnam is generally safe for tourists. Violent crime rates are low, even in the major cities. Petty crimes like pickpocketing can happen, so take precautions with your belongings and secure reliable travel insurance coverage. Some areas still have unexploded landmines, so stick to marked paths when hiking in rural regions. Road safety standards lag behind other developed nations, so travel cautiously. But you're unlikely to face serious threats, especially if you exercise good judgement. Vietnam is famed for its warm hospitality.

Do Singaporeans need a visa to enter Vietnam? 

Singaporeans visiting Vietnam can stay in the country visa-free for as long as 30 days. However, you must apply for a visa if you intend to stay longer than that or plan to work, study, or engage in non-tourist activities. As visa requirements constantly change, please contact the Embassy of Vietnam in Singapore for up-to-date information.

If you want to travel from Vietnam to another country needing a visa, it’s best to get any visa before leaving Singapore. Unlike securing appropriate insurance coverage, trying to get a visa at the border of these countries can be hard. Getting visas before you go avoids unexpected problems and less worry while seeing new places.

What does travel insurance to Vietnam cover? 

Travel insurance for Vietnam typically includes emergency medical treatment overseas, trip delays/cancellations, lost/damaged baggage, and accidental death and dismemberment. Specific coverage can vary by plan, so travellers should understand their needs. For example, some plans offer COVID-19 or water sports coverage while others don't. Review your options carefully and select a plan that protects your particular situation.

How does trip cancellation and interruption coverage work?

Trip or flight cancellation insurance plans reimburse prepaid, non-refundable expenses if your trip to Vietnam or any destination is cancelled or interrupted due to covered reasons like illness, severe weather or emergencies. It can cover costs such as flight tickets, hotel reservations and additional expenses to return home or resume your travels. Always check your plan wording for specific coverage details and exclusions.

Is health insurance (private integrated shield plans) the same as travel insurance? 

No, health insurance and travel insurance for Vietnam and other international destinations are not the same. While health insurance  covers medical costs, travel insurance is more extensive - it covers financial losses if your trip is disrupted or your luggage is lost. So, even with a private integrated shield plan, you should still purchase travel insurance when travelling abroad. Travel insurance mitigates financial risks if your overseas trip doesn't go as planned, providing coverage beyond medical costs.

Is emergency evacuation covered by travel insurance?

Yes, emergency evacuation is typically covered by travel insurance. It provides transportation to the nearest adequate medical facility during a medical emergency. Also, coverage usually includes costs for air ambulances and other transportation methods, ensuring you receive necessary medical care promptly. Always check your plan wording for specific coverage details, particularly for your trip to Vietnam.

How to make an insurance claim?

To make a claim, contact your travel insurance provider as soon as possible. Also, provide necessary documentation such as medical reports, police reports and relevant receipts you collected in Vietnam. Fill out the claim form accurately and submit all required documents. Then, follow up with the insurer to ensure your claim is processed promptly. Finally, keep copies of all submissions for your records.


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This article was originally published on 12 March 2024 and updated for accuracy on 24 May 2024.

A financial adviser by day and wordsmith by night. She advocates building wealth on a sturdy insurance foundation. Simplifying personal finance is her expertise. When she's not buried in numbers and policy contracts, catch her immersed in a good book, mastering languages, or cheering on her beloved LoL team.

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