Photo: Collected
Last Update: Wednesday January 21, 2026
Traveling to Vietnam in 2025 offers a wide range of experiences, from mountain trekking in the north to relaxing on southern beaches. While the country is generally safe and welcoming, unexpected events such as flight delays, medical emergencies, or lost luggage can disrupt any trip. This is where travel insurance becomes essential. Selecting the right Vietnam travel insurance can help you avoid financial stress and ensure smoother travel.
This guide provides a clear overview of the types of Vietnam travel insurance available in 2025, what each plan covers, who needs which type, and how to choose the best policy for your trip.
Travel insurance has become more comprehensive in recent years, with providers focusing on flexible policies and digital claims. Knowing the basics will help you choose a plan that matches your needs.
Most Vietnam travel insurance policies include:
Emergency medical and hospital expenses
Trip cancellation or interruption
Lost, delayed, or damaged baggage
Flight delay or missed connection
Emergency evacuation or repatriation
Personal liability coverage
Some policies also cover adventure sports, which is important if you plan activities such as canyoning in Da Lat or motorbiking in Ha Giang.
Vietnam’s healthcare system includes both public and private institutions. While many major cities have excellent private hospitals, treatment can be expensive for foreigners. Additionally, road accidents, food-related illnesses, and theft can occur, especially in tourist-heavy areas. Having insurance ensures you receive proper care without navigating complicated payment processes.
Understanding the different categories will help you match the policy to your travel style and risk level.
Ideal for tourists visiting Vietnam once in 2025. This plan covers you from your departure date until you return home. It is suitable for short vacations, family trips, or business travel.
Designed for frequent travelers who visit Vietnam or other countries multiple times per year. It is more cost-effective if you take several trips annually and want continuous protection.
A budget-friendly option for travelers who only want coverage for injuries, illness, hospital stays, and emergency care. It does not typically include baggage or trip delay benefits but is useful for backpackers or long stays on a limited budget.
This is the most complete option. It includes medical expenses, flight cancellations, lost luggage, adventure activities, and sometimes even rental motorbike coverage. Travelers planning road trips, motorbike tours, or trekking will benefit most from this type.
If you plan to stay in Vietnam for more than 30 or 60 days, you may need long-stay insurance. Many digital nomads and remote workers use these plans, which cover extended medical care, routine checkups, and long-term emergencies.
If you plan to ride a motorbike in Vietnam, check whether your policy covers motorbike accidents. Some insurers require a valid license for coverage. Adventure travelers should confirm if their plan includes trekking, water sports, or high-altitude activities.
Vietnam has excellent private hospitals, but costs can be high. Look for:
At least USD 50,000 medical coverage
Emergency evacuation benefits
Repatriation coverage
Higher limits may be necessary for older travelers or those with health conditions.
Choose providers with:
24/7 multilingual support
Mobile-based claim submission
Transparent reimbursement timelines
This will make the process smoother if you need help during your trip.
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