Vietnam travel insurance

Vietnam is a vibrant country in southeast Asia, celebrated for its stunning landscapes, intriguing history - both ancient and recent - and blend of cultural influences. From the bustling streets of Hanoi and Ho Chi Minh City to the serene beauty of Ha Long Bay, and terraced rice fields in Sapa, Vietnam offers travellers an incredible, diverse experience.

For architecture enthusiasts, you're spoilt with a choice of ancient temples and pagodas, and also the preserved remnants of French colonial buildings. And if you love food (and who doesn't love food?), Vietnamese cuisine - particularly its fragrant street food - is out of this world. Couple this with friendly locals and affordable transport costs, and the result is an unforgettable destination for any type of traveller.

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Important information

All travel insurance excludes cover for 'known events'. These are global events and situations that could disrupt travel and/or put you in danger.

The COVID-19 pandemic is an example of a known event. This exclusion applies if it was a known situation when you bought your insurance.

You also won't be covered by your travel insurance if you travel against Foreign, Commonwealth and Development Office (FCDO) advice. You also won't be covered if you don't meet your destination’s entry requirements.

While there are no warnings against travel to Vietnam, the FCDO does warn that it's typhoon season in Vietnam from September to November*. This can cause disruption and damage, especially in the central and northern regions. And high river levels might affect the Mekong Delta in the south. As such, it's best to check local guidance before travelling.

*Correct as of November 2024

Do I need travel insurance for Vietnam? 

While travel insurance isn't a legal requirement, the FCDO strongly advises getting cover for any foreign travel.

It's a long flight to Vietnam - roughly 13 hours if you fly direct. But there may be multiple changes or stopovers depending on where you fly from. This increases the risk of flight delays, cancellations, lost baggage and being inconvenienced while travelling there or back.

While healthcare is of a fairly good standard, especially in the cities, hospitals are often busy. Private hospitals are of an excellent standard, but getting private healthcare is likely to be expensive. And if you need to be flown home in an emergency, this could potentially cost thousands of pounds. For this and many other reasons, we think that travel insurance is always worth considering at very least.

Choosing the right policy for your trip

You have a few options for cover when travelling to Vietnam. These are some of the options available - but bear in mind you'll need a policy with worldwide travel insurance if you're selecting annual or backpacker:

Travel insurance icon

Single-trip travel insurance

If Vietnam is your main holiday and you're just going on one trip during the year, single-trip travel insurance may be sufficient.

These policies cover you for a single trip overseas, usually for up to 31 days. Single-trip policies could work out cheaper than the alternatives, as long as this is all the travelling you have planned.

Multi-travel icon

Annual travel insurance

If you're going overseas more than once in a year, annual travel insurance (also known as multi-trip travel insurance) could work out better value. This type of insurance covers you for multiple trips inside a 12-month period.

Make sure you do your sums though. And be aware that annual policies normally cover trips of up to 31 days.

Travel backpackers icon

Single-trip travel insurance

Vietnam is popular among those travelling the world or on gap years. Backpackers insurance can cover you across multiple different countries including your trip to Vietnam.

Unlike with regular travel insurance, these policies cover a single trip which can last up to 18 months. Plus you can pop home during your cover period.

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Cruise travel insurance

Vietnam is a popular cruise destination, with several port cities. In addition to capital Hanoi, Ho Chi Minh (Phu My), Hue/Da Nang (Chan May) and Nha Trang are popular stops.

You'll need extra cruise cover for this, as standard travel insurance won't cover you for all risks: eg being airlifted to hospital, payouts for cabin confinement and unused excursions.

How much is travel insurance to Vietnam? 

The cost of travel insurance will vary depending on your personal circumstances, and also the nature of your trip. The best way to find out the price of travel insurance to Vietnam is to get a quote. But to give you a rough idea, these are some examples of our cheapest policies:

Let's take a look at some example prices:

Policy type Price1
Single trip travel insurance
£10.43
Annual multi-trip
£23.60
Backpacker
£96.27

1Cheapest price for a 30 year old with no pre-existing medical conditions travelling to Cyprus. Correct as of November 2024 - Confused.com data"

What does travel insurance for Vietnam cover? 

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What's covered:

Emergency medical treatment

Getting good medical care in Vietnam can be really expensive. Your policy should protect you financially for medical treatment to a certain limit.

Repatriation to the UK

You should make sure that your travel insurance covers you if you need to get home for medical reasons. The cost can be incredibly high if you're not covered and need to take an unplanned, urgent flight back to the UK. Not least because of the distance and flight time to get you back.

Baggage cover

Petty crime such as pickpocketing and bag-snatching is common, especially in tourist areas and during Christmas and Tet Lunar New Year seasons. Your policy can cover this, plus accidental damage or loss of property.

Travel disruption

Transport cancellations and delays often lead to missed connections, or not being able to attend pre-booked accommodation or events. Travel insurance covers you for these problems.

Cancellation or curtailment cover

You're also generally protected if you need to cut your trip short or cancel altogether for a reason listed on the policy. For example, you'll usually be covered if there's a death in the family.

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What's usually not covered:

Travelling against FCDO advice

If the FCDO advises against travel to your destination, but you go anyway, it's likely you won't be able to claim on your policy. 

Undeclared pre-existing medical conditions

You must declare all pre-existing medical conditions when applying for a policy. Not doing so could be particularly serious with the cost of healthcare in Vietnam, plus the cost of repatriation if you need it.

Extreme sports and activities

Standard policies don't normally cover sports or pursuits considered 'high risk'. You may need additional activity travel insurance to ensure you're protected.

Incidents involving alcohol and drugs

Policies will generally exclude claims if an incident occurs while you're under the influence of alcohol or drugs.

Changing your mind

If you need to cancel your trip, this is usually possible under conditions stipulated in your policy. But if you just change your mind about going on the trip, you're unlikely to be able to claim for this.

Medical care in Vietnam 

The healthcare available in Vietnam can vary. As much of the private healthcare in Vietnam is subsidised, the standard can be good, but the hospitals are often busy.

And as you might expect, city hospitals are generally of a better standard than those outside the cities. You might also struggle to find staff who speak English. But helpfully, the FCDO has a directory of medical facilities in Vietnam where some staff will speak English.

Private facilities tend to be of an excellent standard, but can be very costly for tourists. Private hospitals in Hanoi or Ho Chi Minh City are often staffed by doctors and medical professionals. Usually, they've completed their studies in the USA, Korea, Japan and France.

Your Global Health Insurance Card (GHIC) isn't valid in Vietnam. As such, treatments can cost hundreds or thousands. And if you don't have travel insurance, this will come out of your own pocket.

This is where travel insurance really comes into its own. If you have a medical emergency and need treatment, your travel insurance should cover the costs. This can save you from a huge bill for treatment, and urgent or unplanned travel home.

You can also call your insurance provider to help if you need immediate medical assistance. Check your policy for the number, and save it to your phone before you leave. You should also tell your insurer immediately if you're admitted to hospital

The emergency number for first aid in Vietnam is 115.

What vaccinations do I need for Vietnam?

Travel Health Pro recommends most travellers get hepatitis A, tetanus and typhoid. It's also a good idea to get cholera, hepatitis B, Japanese encephalitis, rabies and tuberculosis.*

Check the vaccine requirements at least 8 weeks before you travel. Talk to your GP if you have any concerns or questions as to what’s required.

You can find more information on vaccine recommendations on the Travel Health Pro website, and in our guide to travel vaccinations.

*Correct November 2024

Travel insurance for activities in Vietnam

Before heading to Vietnam, be aware certain activities aren't generally covered by standard insurance. Check the T&Cs of your policy to see if you need additional cover. That way, you'll know that medical treatment is covered if you get injured.

You can usually add extras to your policy for a fee. These include:

Golf travel insurance

Vietnam might not spring immediately to mind for a golfing holiday. But there's a huge range of courses and resorts on offer - around 80, in fact. The popularity of golf is growing too, with many more courses under construction. Vietnam's stunning and varied geography and coastlines make it a great backdrop for golf.

Standard travel insurance may cover a round or two as part of your holiday. But if you’re planning a golfing holiday with your own clubs and equipment, it could be worth looking into golf travel insurance as an extra. This can cover loss, theft or delay of your clubs, hiring replacement clubs, missed green fees... and even a round of drinks if you get a hole in one!

Activity and adventure travel insurance

One-off activities will often be covered under a standard policy. Things like going on an organised tour to the Cu Chi Tunnels should be fine. But if you’re thinking of going to Halong Bay to kayak or explore the caves, check that this is OK with your insurer.

There’s no set list of which activities need extra cover across the board, so check your policy carefully. Not having the right cover could mean having to shell out for a huge medical bill or airfare home yourself. 

Ski travel insurance

You might be surprised to learn you can ski in Vietnam. But Fansipan mountain in Sapa, Northern Vietnam is the perfect winter sports holiday destination. With a peak height of 3,138 metres, it’s best to visit  mid-December to early March when snow conditions are at their best. During this time, temperatures are between -4°C (25°F) and 4°C (40°F) - perfect for enjoying the fresh powdery snow. 

If you’re planning on skiing or snowboarding, select 'winter sports' when getting a quote. This will give you the correcect ski or snowboarding insurance you need. You won’t be covered for injury or medical care should you need it. If you’re taking your own ski equipment, winter sports insurance covers lost, delayed, damaged or stolen items, which could save you a fortune. 

Do I need a visa to travel to Vietnam? 

No, UK citizens with a British passport don’t need a visa,  but only if your trip is for less than 45 days.

If you want to stay longer than 45 days, you can:

  • Book with a travel agent in Vietnam and ask them to apply for a visa pre-approval letter. Your agent will tell you when to collect your visa from the embassy.
  • Apply for other visa types from the Vietnam Embassy in the UK.
  • Apply for an e-visa that allows a 90-day stay and multiple entries.
  • E-visas restrict you to the entry and exit points you select when you apply. If you get an e-visa while in Vietnam, you must exit the country and re-enter to start your e-visa.

The British Embassy will not assist with visa extensions.

Passport requirements

To enter Vietnam, your passport must have:

  • An expiry date at least 6 months after the date you arrive, you can check your passport's valid with our passport checker tool
     
  • At least 2 blank pages
  • No damage – British nationals have been denied entry and exit due to passport damage

Make sure you get your passport stamped! Check the visa expiry date written in your passport is correct before leaving border control. If it's wrong, you could be accused of overstaying. Your passport is stamped upon entry, which will specify the date by which you need to leave Vietnam.

Tips for travelling to Vietnam

Time zones

Vietnam is 7 hours ahead of the UK.

Getting around the country

If you’re planning on seeing more of the country or travel around it, domestic flights are fairly inexpensive. But there’s also overnight buses and trains too. These are generally cheaper, and a good way to avoid eating into your daytime activities. 

Respect and be aware of the culture

Visiting Buddhist, Hindu, Taoist and Confucian temples is a must. But dress respectfully when visiting any religious buildings. Cover your upper arms and legs. Also be aware you may need to remove your shoes and any hats before you go in.

There are also a few signs of disrespect in Buddhist culture you need to avoid. You mustn't touch anyone on the head. Also don't point the soles of your feet towards anyone, or towards any Buddhist statues.

Much like many parts of Asia, dignity and respect is important for Vietnamese people. It's crucial to 'save face' and avoid embarrassment or humiliation. Arguments and public outbursts are perceived as offensive, so try to avoid showing anger or frustration - even if things are going wrong while you travel.

Be careful using your camera or camera phone

Always ask permission before taking pictures or videos of people. Not doing so can be seen as intrusive. Also avoid taking pictures of any political demonstrations that might happen. This can get you into trouble with the protesters or authorities. 

Avoid drugs

Aside from voiding your travel insurance in the event of a claim, punishments are some of the strictest in the world for drug taking or possession. Many tourists end up in jail, and the death penalty is in force for the most serious drug offences. 

Embrace local food, but respect your chopsticks

Food in Vietnam - particularly street food - is a huge part of the culture and identity. With so much on offer, you can really indulge yourself on your trip.

Most places serve noodles with chopsticks. Be aware that how you use and leave them means something:

  • Leaving your sticks upright in a bowl of food is considered unlucky, as it resembles offerings of incense sticks made for the dead.
  • Using chopsticks of uneven length is also frowned on.
  • Don't tap your bowl with your sticks. This is associated with begging.
  • Don’t worry if you don’t want to use chopsticks. Restaurants will normally have forks and spoons used in other dishes, so don’t be afraid to ask. 

If you’re on medication

Vietnam has restrictions on medicines it classifies as ‘addictive’ or ‘psychotropic’. These include medicines used to treat anxiety, depression, insomnia and other conditions. It's illegal to have more than the amount prescribed by a doctor for 7 days (addictive medicine) or 10 days (psychotropic medicine). You should carry the prescription with your medication, plus a letter from your doctor stating how much of the medication you need during your trip.

The letter can be in English and should:

  • Include your name and age
  • List the medicine name, volume and dosage
  • Include the doctor’s signature and address

If you’re unsure if your medication falls within these categories, or you need to bring more medication than is usually allowed, contact the Vietnam Embassy in the UK before travelling.

What our travel insurance expert says

"Vietnam is a long-haul flight. And while there are direct flights available, other options will include stopovers, meaning more risk of delays, disruption and lost baggage.

Having travel insurance means you’re covered and compensated for things that might happen outside of your control while travelling to Vietnam. It also means you're covered for potentially expensive medical bills, and at worst a long and expensive early or unplanned flight home."

Alvaro Iturmendi - Confused.com travel insurance expert
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