The Best Travel Insurance Plans for Vietnam in 2025
- The best travel insurance plans for Vietnam
- Is it currently safe to travel to Vietnam?
- Travel Insurance Requirements for Vietnam
- Why take out travel insurance for Vietnam?
- What should travel insurance for Vietnam cover?
- The cost of travel insurance for Vietnam
- How to pay less for your travel insurance to Vietnam
- Can you rely on your current insurance to cover you in Vietnam?
- FAQ
Travel insurance for Vietnam: key takeaways
1. Definition: Travel insurance for Vietnam covers medical emergencies, trip cancellation, and lost or stolen personal belongings.
2. Key protection: Insurance is not mandatory but vital, as medical facilities in Vietnam are below Australian standards.
3. Healthcare cost: Private hospital care is costly, potentially exceeding $500 AUD for a one-night stay.
4. Price: A one-week travel insurance policy for Vietnam typically costs between $40 and $80 AUD.
5. Good to know: Your Australian driving permit is not valid; you need a local licence for insurance coverage.
Why trust HelloSafe?
HelloSafe is an international specialist in travel insurance comparison, advising over one million travellers every month. After analysing 42 travel insurance policies available in Australia, our experts share everything you need to know to choose the best travel insurance for your trip to Vietnam.
The best travel insurance plans for Vietnam
| Contract we recommend | Medical reimbursement limit | Our view |
|---|---|---|
| HelloTravel Premium | AU$1.6M | Top choice for Vietnam with strong limits and flexibility. - high medical ceiling - repatriation included - covers local transport risks |
| Cap Assistance 24/24 | AU$1.6M | Well-suited for short holidays, offering full service and reassurance. - 24/7 medical assistance - cancellation possible - no deductible |
| Tourist Card | AU$800k | Good fit for tourism in Vietnam and essential needs. - solid medical cover - emergency help - attractive cost |
| Travel Pass Monde | AU$1.1M | Provides robust support for trips abroad, including Vietnam. - repatriation covered - hospital fees - worldwide reach |
| Globe Partner | AU$480k | Dependable choice for medium-term stays, with the basics for Vietnam. - urgent care abroad - repatriation - liability included |
| Globe Traveller | AU$800k | Suitable for budget travels and short breaks. - core medical cover - fast claim process - capped protection |
- high medical ceiling
- repatriation included
- covers local transport risks
- 24/7 medical assistance
- cancellation possible
- no deductible
- solid medical cover
- emergency help
- attractive cost
- repatriation covered
- hospital fees
- worldwide reach
- urgent care abroad
- repatriation
- liability included
- core medical cover
- fast claim process
- capped protection
Is it currently safe to travel to Vietnam?
As of June 2025, the Australian Department of Foreign Affairs and Trade advises travellers to exercise normal safety precautions in Vietnam, based on the current security assessment and recent official updates.
Here are their four main recommendations.
- Security risks: petty crime such as bag snatching and pickpocketing is frequently reported in tourist hotspots like Ho Chi Minh City and Hanoi, especially at night and near markets.
- Health risks: mosquito-borne illnesses including dengue fever, malaria, and Japanese encephalitis are common, particularly in the Mekong Delta and rural northern provinces. Medical facilities may be inadequate outside major cities.
- Legal requirements: all travellers must register their place of residence with local police within 24 hours of arrival. Possession of even small quantities of drugs can result in severe penalties, including life imprisonment or death.
- Environmental hazards: the rainy season from June to November often brings flash flooding and typhoons, disrupting travel in regions such as central Vietnam. Air pollution in cities like Hanoi can reach hazardous levels.
Although not required, travel insurance is strongly recommended by the Australian Department of Foreign Affairs and Trade, particularly to cover medical expenses and emergency repatriation, which can be extremely costly in Vietnam.
Travel Insurance Requirements for Vietnam
No, travel insurance is not legally mandatory for Australian travellers to enter Vietnam for tourism or business.
Despite this, comprehensive travel insurance is strongly recommended due to the possibility of high medical costs, the need for emergency medical evacuation, and the lower standard of health care outside major cities. The Australian Department of Foreign Affairs and Trade advises all visitors to secure a policy covering medical expenses, evacuation, and repatriation.
According to our data, 80% of travellers purchase travel insurance before going to Vietnam, reflecting health risks and the lack of a reciprocal medical agreement with Australia.
Why take out travel insurance for Vietnam?
It is an essential financial and medical protection for anyone going to Vietnam.
In Vietnam, public hospitals are often overcrowded and lack modern equipment, especially outside major cities. Foreign visitors are usually treated at private clinics in Hanoi or Ho Chi Minh City, such as FV Hospital or Vinmec International Hospital, where fees can be much higher. For serious cases, evacuation to Singapore or Australia may be required, quickly resulting in substantial costs.
Travel insurance covers medical fees, hospitalisation, medication, ambulance transport and emergency repatriation to Australia in the event of a serious incident.
Here are some examples of healthcare costs in Vietnam.
| Example of medical treatment | Cost at FV Hospital, Ho Chi Minh City | Covered by travel insurance |
|---|---|---|
| I have to be hospitalized 48 hours after contracting an infection | 30,000,000 VND (AU$1,800) | up to AU$1,600,000 |
| I broke my tibia (X-ray, cast, and crutch rental) | 22,000,000 VND (AU$1,320) | up to AU$1,600,000 |
| I need to be repatriated | 370,000,000 VND (AU$22,200) | up to AU$1,600,000 |
| I have appendicitis (consultation and surgery) | 70,000,000 VND (AU$4,200) | up to AU$1,600,000 |
These prices are given as an indication and may vary depending on the facilities and regions.
It is therefore essential to take out appropriate travel insurance to avoid unexpected and potentially high expenses.
What should travel insurance for Vietnam cover?
Here is a summary table of the main coverages you should look for in a travel insurance policy for Vietnam.
| Main coverages | Explanations and recommendations |
|---|---|
| 🏥 Medical expenses and hospitalisation | Covers care, hospital stays, and medication for injuries or illness. We recommend a minimum reimbursement limit of AU$1,000,000. |
| 🚑 Medical evacuation and repatriation | Pays for emergency ambulance or air transport to Australia or another country. Select cover of at least AU$500,000. |
| 💼 Luggage and valuables | Insures lost, stolen, or damaged baggage and personal effects. Choose cover up to AU$5,000 per person. |
| ✈️ Trip cancellation or interruption | Protects against non-refundable costs if your trip is cancelled or cut short. Recommended reimbursement up to AU$10,000. |
| 🏍️ Adventure and scooter accidents | Includes medical cover for injuries from activities like scooter riding or trekking. Limits should reflect risks—at least AU$100,000. |
| 👨⚖️ Personal liability | Covers costs if you injure someone or cause accidental damage. A minimum cover of AU$2,000,000 is advised. |
| 💊 Accidental death and disability | Compensation for accidental death or permanent injury during your trip. A minimum cover of AU$50,000 is important. |
| 📞 24/7 assistance and helpline | Access to emergency support, translator, and claims advice at any time. Not a financial limit, but ensures vital help when needed. |
We recommend a minimum reimbursement limit of AU$1,000,000.
Select cover of at least AU$500,000.
Choose cover up to AU$5,000 per person.
Recommended reimbursement up to AU$10,000.
Limits should reflect risks—at least AU$100,000.
A minimum cover of AU$2,000,000 is advised.
A minimum cover of AU$50,000 is important.
Not a financial limit, but ensures vital help when needed.
Travel insurance from local providers or bank cards often offers limited coverage, with low limits and many exclusions. It is safer to choose a trusted insurer with full coverage. Compare top options on HelloSafe and subscribe online for instant certification.
The cost of travel insurance for Vietnam
| Trip duration | Traveler’s age | Indicative price per person |
|---|---|---|
| 1 week | 25 years old | AU$35 |
| 2 weeks | 45 years old | AU$60 |
| 1 month | 35 years old | AU$90 |
| 1 month | 70 years old | AU$180 |
These prices are indicative and may vary depending on the coverage chosen and the specifics of each insurer.
Good to know
The cost of your travel insurance for Vietnam depends on key factors: your age, trip duration, the level of cover, and any optional extras like medical evacuation or cancellation cover. Keeping these in mind is vital for securing the right policy, ensuring you're protected against specific local risks like traffic accidents and theft.
💡 It is always recommended to compare multiple offers to find the best value-for-money plan for you. You can use HelloSafe.
👉 Compare the best travel insurance for freeI compareHow to pay less for your travel insurance to Vietnam
Here are some suggestions to optimize the cost of your travel insurance to Vietnam while keeping good coverage:
| Criteria | Why it matters | Expert tip |
|---|---|---|
| 🗓️ Trip duration | Premiums increase with trip length. | Purchase coverage only for actual travel days and avoid extending beyond your Vietnam stay. |
| 🎒 Level of coverage | Vietnam’s medical facilities may require substantial upfront payment for private care. | Choose a plan with adequate medical, evacuation, and liability cover but skip upgrades you don't need. |
| 👫 Number of travellers | Family/group coverage is usually more economical than buying individual policies. | Insure your group or family under a single contract to benefit from group discounts. |
| 🌏 Geographical coverage | Global coverage often costs more than regional or country-specific plans. | Limit your policy to Vietnam and essential transit countries to reduce premiums. |
| 👴 Traveller’s age | Age-based rates can increase sharply above 60. | Compare providers as increases vary. Heymondo does not increase its prices for people over 62. |
| 🏄♂️ Activities planned | Some adventure or water sports in Vietnam need extra cover. | Add activity coverage only if you plan to participate, otherwise opt out to pay less. |
| 💳 Annual excess | Policies with a higher excess generally cost less per day. | Raise your excess if you can pay out-of-pocket for minor claims to lower your premium. |
Can you rely on your current insurance to cover you in Vietnam?
It is reasonable to consider whether your current coverage, such as public health or private health insurance, or credit card insurance, will adequately protect you for a trip to Vietnam. Unfortunately, this coverage is often limited or insufficient. Here is a summary table to help you review your current insurance and what it covers.
| Type of insurance | Valid in Vietnam? | What it covers | Why Travel Insurance is better |
|---|---|---|---|
| Public health insurance (Medicare) | Never | No coverage abroad. No medical expenses or repatriation covered. | Travel insurance covers up to AU$1,000,000+ for medical/emergency costs and medical evacuation. |
| Private health insurance (Bupa, Medibank, nib) | Limited coverage | May offer some reimbursement after return, usually AU$10,000–AU$25,000. Does not cover repatriation. | Travel insurance provides up to AU$1,000,000+, evacuation, and 24/7 support in Vietnam. |
| Classic credit card (Visa Classic, Mastercard Standard, ANZ First) | Limited coverage | Medical only up to AU$10,000. No cover for trip cancellation or lost luggage. | Travel insurance covers up to AU$1,000,000+, trip cancellation, and lost or stolen luggage. |
| Premium credit card (Visa Platinum, Mastercard Gold, Westpac Altitude Black) | Limited coverage | Medical up to AU$100,000. Luggage and flight delay cover limited, no long-stay or adventure sports. | Travel insurance offers up to AU$1,000,000+ and full support, including adventure activities. |
Example
After a scooter crash in Ha Giang, Liam's medical evacuation to Australia cost $75,000. His CommBank card's complimentary insurance was voided because he lacked a valid Vietnamese license—a common trap. With his domestic health insurance not covering him overseas, he was left to foot the entire bill himself.
Expert advice
Don't assume your credit card or health fund covers trip interruptions for a family emergency, as this is often excluded. Always read the Product Disclosure Statement (PDS) to avoid nasty surprises overseas. In all cases, it's safer and more reassuring to get dedicated travel insurance tailored to your trip.
FAQ
Do I need a visa to travel to Vietnam?
Yes, Australian travellers must obtain a visa to enter Vietnam, even for short stays. The easiest option for most visitors is the online eVisa, which is available for tourism and business purposes. Ensure the details provided on your visa application match your passport exactly to avoid entry issues.
How do I purchase travel insurance for Vietnam?
First, compare suitable travel insurance plans using the HelloSafe travel insurance comparison tool. Next, check inclusions and exclusions relevant to Vietnam, such as medical cover and cover for adventure activities. Buy your chosen policy online, and receive your insurance certificate via email immediately after purchase.
Does travel insurance for Vietnam cover scooter or motorbike accidents?
Standard travel insurance policies often exclude motorbike or scooter accidents unless specific conditions are met. You may need to hold a valid Vietnamese licence and wear a helmet to be covered. Always read the policy wording and consider dedicated motorbike coverage if you plan to ride in Vietnam.
Should I include cover for natural disasters in my Vietnam travel insurance?
It is strongly advised, as Vietnam frequently experiences floods, typhoons, and related disruptions, particularly from June to November. Comprehensive policies will cover trip cancellations, interruptions, and evacuation due to natural disasters. Always check policy details and limits for these events before purchase.
Are vaccinations required for travel insurance to be valid in Vietnam?
Vaccinations are not required for insurance itself, but many policies may have restrictions or exclusions if you fail to follow public health recommendations. It is best to follow vaccine advice for diseases like Japanese encephalitis, hepatitis, and measles both for your safety and to avoid any potential claim disputes.
What medical coverage limit is recommended for Australians travelling to Vietnam?
Given the cost of emergency treatment and possible medical evacuation to Australia, a medical coverage limit of at least AU$300,000 is recommended. This should include cover for hospital stays, outpatient care, emergency evacuation, and repatriation, as local healthcare standards can vary, especially outside major cities.
Do I need a visa to travel to Vietnam?
Yes, Australian travellers must obtain a visa to enter Vietnam, even for short stays. The easiest option for most visitors is the online eVisa, which is available for tourism and business purposes. Ensure the details provided on your visa application match your passport exactly to avoid entry issues.
How do I purchase travel insurance for Vietnam?
First, compare suitable travel insurance plans using the HelloSafe travel insurance comparison tool. Next, check inclusions and exclusions relevant to Vietnam, such as medical cover and cover for adventure activities. Buy your chosen policy online, and receive your insurance certificate via email immediately after purchase.
Does travel insurance for Vietnam cover scooter or motorbike accidents?
Standard travel insurance policies often exclude motorbike or scooter accidents unless specific conditions are met. You may need to hold a valid Vietnamese licence and wear a helmet to be covered. Always read the policy wording and consider dedicated motorbike coverage if you plan to ride in Vietnam.
Should I include cover for natural disasters in my Vietnam travel insurance?
It is strongly advised, as Vietnam frequently experiences floods, typhoons, and related disruptions, particularly from June to November. Comprehensive policies will cover trip cancellations, interruptions, and evacuation due to natural disasters. Always check policy details and limits for these events before purchase.
Are vaccinations required for travel insurance to be valid in Vietnam?
Vaccinations are not required for insurance itself, but many policies may have restrictions or exclusions if you fail to follow public health recommendations. It is best to follow vaccine advice for diseases like Japanese encephalitis, hepatitis, and measles both for your safety and to avoid any potential claim disputes.
What medical coverage limit is recommended for Australians travelling to Vietnam?
Given the cost of emergency treatment and possible medical evacuation to Australia, a medical coverage limit of at least AU$300,000 is recommended. This should include cover for hospital stays, outpatient care, emergency evacuation, and repatriation, as local healthcare standards can vary, especially outside major cities.
