Vietnam Travel Insurance: The best guide before you go
Should I need Vietnam travel insurance? What are the benefits that I got? In this post, Prime Travel will help you address all your concerns about travel insurance when visiting Vietnam, ensuring you have the safest and most enjoyable trip.
Why do you need travel insurance in Vietnam?
Do you really need to purchase travel insurance? If not, what are the disadvantages? Here are some several reasons:
- Vietnam has a different health care system than your home country. You may not be able to access the same quality of care or facilities that you are used to. And you also may have to pay upfront for medical services, which can be expensive and difficult to claim back from your regular health insurance.
- Vietnam has various natural and man-made hazards that could affect your travel plans. You could encounter typhoons, floods, landslides, fires, civil unrest, terrorism, or crime. These could cause injuries, damages, delays, or cancellations that could cost you a lot of money and stress.
- You need to meet strict entry requirements, such as visa, passport, vaccination.
- Vietnam has different laws and customs than your home country. You may not be aware of some of the rules or regulations that apply to you as a visitor. You could unknowingly break the law or offend the local culture and face legal consequences or social backlash.
Why do you need Vietnam travel insurance ? ( Source: Internet )
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What does travel health insurance in Vietnam cover?
Each Vietnam travel medical plan varies just as each trip and traveler varies. A travel medical insurance plan for Vietnam can be purchased as a standalone plan or as a part of a comprehensive travel insurance plan. A comprehensive travel insurance policy offers coverage for various travel-related expenses, such as cancellation, lost baggage, or delays.
Travel insurance provides a safe experience for travelers ( Source: Internet )
Some common coverages to consider for a trip to Vietnam include:
- Motorcycle/Motorbike travel insurance
- Coverage for pre-existing conditions (obtaining a waiver for the condition before traveling)
- Emergency Medical Evacuation
- Accidental Death & Dismemberment
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What do Vietnam travel insurance not include ? ( Source: Internet )
There are a few eventualities a standard travel insurance policy is unlikely to cover, including:
- Pre-existing conditions: Make sure you declare any pre-existing medical conditions to your provider when you buy your policy, otherwise you won’t be covered.
- Drugs or alcohol: But be aware that if your belongings are stolen or you’re injured while you’re under the influence, you might find your insurance provider won’t pay out.
- Natural disasters: Vietnam’s long coastline makes it prone to storms and flooding, particularly in the cyclone season from May to November. While it’s unlikely that extreme weather will affect your trip, it’s worth knowing that you may not be covered if it does.
- Terrorism: Vietnam doesn’t have a history of terrorist attacks, but it still pays to be vigilant. Although your travel insurance will cover the cost of any medical care you might need following an attack, it won’t cover much else.
How much is travel insurance to Vietnam?
The price of Vietnam travel protection can vary depending on the age, health status, and number of travelers being covered, as well as the duration of the trip and type of coverage.
Tourists experience boat rowing on Trang An ( Source: Internet )
As risk involved with the trip increases, prices may also increase. For example, a trip to Vietnam that lasts one week may cost less than a two-week trip, even if the type of coverage is the same, due to the extended length of the trip. Additionally, a traveler with pre-existing health conditions can usually expect to pay higher rates than a traveler who does not have any diagnosed pre-existing conditions.
In general, the cost of purchasing travel insurance in Vietnam for foreigners will range from $40 to $80 for a trip lasting from 7 to 10 days in Vietnam.
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How to choose the best travel insurance in Vietnam?
There are many travel insurance providers and plans available for Vietnam, but not all of them are suitable for your needs. Here are some tips on how to choose the best travel insurance in Vietnam:
- Compare different plans and providers online. You can use websites like: Chubs, Luma, or Care to compare different features, benefits, prices, and reviews of various travel insurance plans and providers for Vietnam.
- Check the coverage limits and exclusions. Make sure that the plan you choose covers you adequately for the risks you face in Vietnam. For example, if you plan to ride a motorbike in Vietnam, make sure that your plan covers motorbike accidents.
- Check the customer service and claims process. Make sure that your provider has a reliable and accessible customer service team that can assist you 24/7 in case of an emergency. Also check how easy and fast it is to file and settle a claim with your provider.
How to choose the best travel insurance in Vietnam ? ( Source: Internet )
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How to use travel insurance in Vietnam?
Using travel insurance in Vietnam is simple and straightforward if you follow these steps:
- Keep your policy documents and certificate of insurance handy at all times. You may need to show them at the airport or immigration checkpoints when entering or leaving Vietnam.
- Contact your provider or their assistance company as soon as possible if you encounter any emergency or problem during your trip. They will guide you on what to do next and how to access their network of medical providers or other services.
- Keep all receipts and evidence related to your claim. You may need to submit them along with a completed claim form to your provider within a certain time frame after your trip.
- Enjoy your trip with peace of mind knowing that you are covered by travel insurance in Vietnam.
Tips for using travel insurance ( Source: Internet )
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How to buy travel insurance in Vietnam?
Buying travel insurance in Vietnam is easy and convenient with online platforms. You can follow these steps to buy travel insurance in Vietnam online:
- Visit one of the websites mentioned above or search for other reputable online travel insurance providers for Vietnam.
- Enter your personal details and travel information, such as your name, age, nationality, destination, duration, and purpose of travel.
- Choose the plan that suits your needs and budget from the options available.
- Review the policy details and terms and conditions carefully before confirming your purchase.
- Pay securely online with your credit card or other payment methods.
- Receive your policy documents and certificate of insurance instantly by email.
Capturing best moment with safe journey in Vietnam ( Source: Internet )
You can also choose to purchase travel insurance directly in your home country through travel companies. Additionally, if you have already arrived in Vietnam, you can consider buying it from providers like Liberty, Chubb, etc….
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Conclusion
To conclude, travel insurance is not mandatory when traveling to Vietnam, but considering its various uses and benefits, it’s something you should contemplate purchasing. With the information shared by Prime Travel above, it is hoped that it will give you a detailed understanding of this type of travel insurance.
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