Travel insurance to Vietnam: 5 plans priced for 14 days, and the age limits that cut two
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A. FruchardCo-Founder & Travel Insurance ExpertLast updated: November 10, 2026Is travel insurance to Vietnam worth it for a two-week trip?
Travel insurance to Vietnam costs $49.83 to $94.42 for one adult aged 34 on a 14-day trip, the five live quotes our comparator returned from a US address on November 9, 2026. Nothing in the entry rules obliges you to buy it. A Vietnamese hospital bill does.
The figure that decides this page is not the premium; it is who pays the clinic. All five plans that quote for Vietnam include direct billing: the insurer settles with the hospital and you sign nothing at the admissions desk. That matters here more than in most destinations, because the Viet Nam National Authority of Tourism puts the cash deposit a private hospital asks before treatment at $200 to $500, and says public hospitals want cash upfront even in an emergency.
The second figure is the ceiling. Our Vietnam monitoring sets an emergency medical floor of $300,000 for this destination, because serious cases are regularly flown out to Singapore or another regional hub rather than treated locally. One plane ride like that is quoted at $20,000 to $50,000. Of the five plans priced here, Go Explore stops at about $280,000, under that floor, and Go Explore + reaches about $560,000.
So the honest reading for two weeks in Vietnam: budget $50 to $95 for one adult, judge the plan on its medical ceiling, on whether repatriation is paid at actual costs, and on the private liability line, because motorbikes are how most visitors move around. If you want the whole market rather than this page's Vietnam shortlist, our travel insurance comparison prices every plan we sell.
Every year, our experts audit each plan against its binding policy wording: coverage, limits and exclusions, cross-checked with real customer feedback and live market prices. The analysis is fully independent, with zero paid placements and no insurer able to pay to influence a rating. We compare travel insurance across every country and currency, using the plans, prices and coverage actually offered in your country, not a single guide translated.
Learn moreWhat is Vietnam flagging this month, and which cover answers it?
Three signals are yellow for Vietnam right now: typhoon season in the Pacific, the seasonal dengue peak, and road safety. Our destination monitoring refreshed them on November 4, 2026, and each one points at a different line of your policy.
Risk dimension | Level now | What Vietnam is flagging | The coverage it points to |
|---|---|---|---|
Climate Typhoon season, Pacific | Yellow | Elevated typhoon risk through November 2026. Disruptions to flights, ferries and coastal access are likely. | Trip cancellation and interruption |
Medical Dengue, seasonal peak | Yellow | Dengue cases rise during the rainy season, with a real hospitalization risk for travelers. | Emergency medical and hospital coverage |
Transport Road infrastructure | Yellow | Road safety problems raise the risk of delays and disruption to ground transport, and the same storms close coastal roads. | Transport delay |
Our Vietnam monitoring sets five floors for this destination: $300,000 of emergency medical and hospital coverage, $100,000 of medical repatriation, $5,000 of trip cancellation, $1,500 of baggage and $500,000 of private liability. The liability figure is the one travelers skip. It is there because motorbike use is widespread among visitors, and an accident involving someone else turns into a civil claim under a legal system you do not know.
Do you need a visa for Vietnam, and does it ask for insurance?
Yes to the visa, no to the insurance. A US passport needs an electronic visa for Vietnam, and the government fee is $25 for a single entry or $50 for multiple entries under Circular 28/2026/TT-BTC, filed on the Immigration Department portal at evisa.gov.vn. The application asks for a passport and a photo. It does not ask for proof of coverage.
- Your passport must stay valid for at least one month after the end of your stay, which is stricter than it sounds on a 90-day trip.
- Validity and permitted stay are both capped at 90 days, on either the single-entry or the multiple-entry document.
- The accepted purposes are tourism, business and visiting acquaintances. Anything else goes through a consulate.
- Customs: amounts over $5,000 or the equivalent must be declared on arrival and again on departure.
Our visa partner sells two documents on this route, and the box below shows both as tabs. An ordinary vacation needs the single-entry e-visa; the multiple-entry version is for a trip that leaves Vietnam and comes back, a side trip to Laos or Cambodia for instance. Full detail on the filing itself is on our Vietnam e-visa page.
- My passport
- United States
- Stay per visit
- 90 days
- Valid for
- 90 days
- Entries
- Single entry
e-Visa Single Entry
- Government fee
- $26.93
- Service fee
- $43.76
Service fee refunded if refused
The e-visa settles your entry and nothing else. It pays no hospital, organizes no flight home, and refunds no canceled hotel. That is what the rest of this page is about.
Which plans quote for Vietnam, and which one fits you?
Eight of the 57 policies in our public catalog accept a US departure for Vietnam, and five of them returned a live price for the trip we priced. Here is what each one actually covers on this route.
Plan | Medical abroad | Repatriation | Private liability | Baggage | Trip cancellation |
|---|---|---|---|---|---|
WorldSecure Platinum Buys up to age 65 | about $330,000 | Actual costs | about $5,000,000 | about $2,200 | Paid option, trip price up to about $10,000 |
Go Explore + Buys up to age 80 | about $560,000 | Actual costs | about $1,700,000 | about $560 | Not covered |
World Travel Buys up to age 84 | about $330,000 | Actual costs | about $2,200,000 | about $1,100 | Included, about $1,700 |
WorldSecure Basic Buys up to age 39 | about $330,000 | Actual costs | about $5,000,000 | about $1,300 | Not covered |
Go Explore Buys up to age 80 | about $280,000 | Actual costs | about $1,700,000 | about $280 | Not covered |
Why WorldSecure Platinum leads our Vietnam shortlist
You land in Ho Chi Minh City knowing that if dengue puts you on a ward, the insurer pays the hospital directly and you advance nothing, and that if the case turns serious the flight to Singapore is paid at actual costs rather than against a cap that runs out. That is the baseline on all five plans here. WorldSecure Platinum is first because it is the only one on this route that clears every floor our Vietnam monitoring sets at once: about $330,000 of emergency medical, about $2,200 of baggage against the $1,500 we ask for here, and about $5,000,000 of private liability, which is the line that answers a scooter accident involving someone else. It is also the only plan you can add trip cancellation and extreme sports to, which matters in typhoon season and on a canyoning day in Da Lat. Go Explore + comes next, and it is the right pick if the medical ceiling is what keeps you awake: about $560,000, the highest on this route, though its baggage line is thin and it sells no cancellation. World Travel is the one to take past 65, or in a group of up to 20, and it is the only plan that pays for a flight delay from four hours. WorldSecure Basic is the cheapest of the shortlist and a sound choice under 40, as long as you accept no cancellation coverage at all. Go Explore sits last here for one reason: at about $280,000 it is the only plan under the $300,000 medical floor we set for Vietnam. The cards below show today’s price for your own dates.
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Real HelloSafe quotes captured on 9 November 2026 for 1 traveler aged 34, 14 days in Vietnam (11 to 25 January 2027), residence United States, cancellation option off. Your own price moves with your age, how long you stay and the options you tick.<br>These policies are sold in many countries, so prices and cover limits are shown in dollars, converted at the live exchange rate. Age caps differ: WorldSecure Basic accepts travelers under 40, WorldSecure Platinum up to 65, Go Explore and Go Explore + up to 80, World Travel up to 84.
HelloSafe is available as an app inside ChatGPT. Install it from ChatGPT’s Apps tab, then type @HelloSafe and pick "HelloSafe Travel Insurance": give your destination and dates to compare travel insurance, or ask what your bank card covers.
How much does travel insurance to Vietnam cost by traveler?
Between $27.54 and $377.67, depending on who is traveling and for how long. One adult aged 34 pays $49.83 to $94.42 for 14 days; a family of four pays $150.81 to $377.67 for the same two weeks; a traveler of 68 starts at $94.42 because two of the five plans refuse the age outright.
Traveler profile | Budget | Average | Premium | Key point |
|---|---|---|---|---|
Solo traveler, 34 14 days, the reference trip | $49.83 WorldSecure Basic | $84.00 WorldSecure Platinum | $94.42 World Travel | All five plans quote, and the cheapest one already clears the $300,000 medical floor. |
Backpacker, 26 30 days | $59.01 WorldSecure Basic | $116.71 World Travel | $121.96 Go Explore + | Thirty days costs $9 more than fourteen on the cheapest plan. Long trips are where coverage is cheap. |
Family of four Adults 38 and 36, children 9 and 6, 14 days | $150.81 Go Explore | $205.88 Go Explore + | $377.67 World Travel | Go Explore is cheapest for four, but its baggage line stops at about $280 for the whole family. |
Traveler aged 68 14 days | $94.42 World Travel | $95.73 Go Explore | $116.71 Go Explore + | WorldSecure Basic and Platinum refuse the age. Three plans remain and the price gap between them is $22. |
Solo traveler, 34 7 days | $27.54 WorldSecure Basic | $64.26 Go Explore | $85.24 Go Explore + | Go Explore and Go Explore + bill the same for 7 and 14 days, so a short trip pays for duration it never uses. |
Same quotes as the table above, captured November 9, 2026, residence United States, destination Vietnam, cancellation option off.
Three things move these numbers and none of them is the destination: your age, the length of the stay and whether you tick cancellation. Age is the brutal one, because it does not raise the price so much as remove plans from the list. Duration barely matters on the flat-rate plans and matters a lot on the per-day ones. For how pricing works across destinations, our guide to how much travel insurance costs breaks the drivers down, and families comparing several trips a year should look at family travel insurance and annual travel insurance before buying a single trip policy.
What happens if you are hospitalized in Vietnam?
You are taken to a private hospital, asked for a deposit of $200 to $500 before treatment, and then one phone call decides whether you pay it. All five plans priced here include direct billing, so when the insurer's assistance line is on the file the hospital invoices them instead of you.
What goes wrong | What a foreign patient is quoted in Vietnam | What the five plans do |
|---|---|---|
Emergency room visit International private hospital | $70 to $150 | Direct billing on all five plans |
Dengue, hospitalized Per day on a ward | $200 to $500 a day | Covered as an illness, up to the plan's medical ceiling |
Broken bone stabilized After a fall from a scooter | $500 to $1,200 | Covered, with the follow-up care |
Stroke, clot removal | $5,000 to $12,000 | Covered, against ceilings of about $280,000 to $560,000 |
Air evacuation to Singapore or Bangkok | $20,000 to $50,000 | Actual costs, but the insurer must approve and organize it |
Cash deposit before treatment Private hospital, no insurer on the file | $200 to $500 | Avoided only if the assistance line is called first |
- Call 115 if it is an emergency. That is Vietnam's national ambulance number, per the CDC Vietnam traveler page.
- Call your insurer's 24/7 assistance line before you accept treatment, from the hospital if you have to. This is the call that turns a deposit into an invoice the insurer settles.
- Let the assistance team choose the hospital. They work with the facilities used to foreign patients: FV Hospital and Vinmec Central Park in Ho Chi Minh City, Vinmec Times City and L'Hôpital Français de Hanoi in the capital, Vinmec Da Nang on the coast.
- Get written approval before any transfer. Repatriation and evacuation are paid at actual costs on all five plans, and all five require the insurer to organize the flight.
- Keep every itemized receipt, pharmacy slips included, for anything you did pay yourself.
Is a mosquito-borne illness actually covered?
Yes. Dengue is an illness contracted during the trip, so it falls under emergency medical and hospital coverage on all five plans, at $200 to $500 a day of ward costs against ceilings of about $280,000 to $560,000. The CDC puts dengue risk in Vietnam as year-round and tells travelers to prevent mosquito bites rather than rely on a vaccine.
One carve-out is specific and worth reading twice: World Travel excludes the consequences of epidemics and pandemics outright. The other four pay for an individual infection without that clause. Malaria is a narrower question, because the CDC puts the risk in certain rural areas only, mainly the central highlands, with no risk in Hanoi, Ho Chi Minh City or Da Nang. Hepatitis A, hepatitis B and typhoid vaccines are recommended for most travelers, and Japanese encephalitis for stays of a month or more or for rural and outdoor trips. A vaccine you skipped is not an exclusion, but the illness it prevents is a claim you would rather not file. If medical coverage is the only thing you want, travel medical insurance explains what the guarantee pays for on its own.
What is not covered when you ride a scooter in Vietnam?
Your injuries are covered; the scooter and the third party are where it gets narrow. The CDC is blunt about the stakes: "Motor vehicle crashes are the #1 killer of healthy US citizens in foreign countries," and its Vietnam page tells travelers to avoid motorcycles and motorbike taxis altogether because many crashes involve inexperienced drivers.
On the coverage side, the five plans split cleanly. Medical treatment after a crash is paid like any other accident, and the stabilization of a fracture that a Vietnamese hospital quotes at $500 to $1,200 sits well inside every ceiling. Private liability, the line that answers a claim from someone you hurt, runs from about $1,700,000 on the Go Explore plans to about $5,000,000 on the WorldSecure pair. But all five list rental-vehicle liability as not covered, so the hired scooter itself and the damage you do with it are outside the policy. Our travel insurance for Thailand page documents the same split on the other side of the Mekong.
Which conditions decide whether travel insurance to Vietnam pays?
Five clauses decide almost every Vietnam claim, and four of them are identical across the plans priced here. They are the reason two policies with the same headline ceiling behave differently at the admissions desk.
- Conditions you already knew about: All five plans exclude pre-existing and known-before-departure illness. Dengue caught in Vietnam is covered; a condition you were already being treated for is not.
- Extreme sports: Excluded as standard on all five. WorldSecure Platinum is the only one that sells it back as a paid option, and ticking that option in the comparator is how you declare it.
- Epidemics and pandemics: World Travel excludes their consequences outright. The other four pay an individual illness, dengue included, without that carve-out.
- Rental-vehicle liability: All five cover private liability, from about $1,700,000 to $5,000,000, and all five exclude liability behind the wheel of a rented vehicle. The scooter you hire in Hoi An is not insured by your travel policy.
- A repatriation you organized yourself: Repatriation is paid at actual costs, which is uncapped, but only when the assistance line approves and arranges the transfer. A flight you book first is a claim you argue about afterwards.
- A medical ceiling above $300,000: That is the floor our Vietnam monitoring sets, because serious cases are regularly flown to Singapore or another regional hub rather than treated locally.
- Direct billing written into the plan: All five here include it. The insurer pays the hospital instead of you, which is what removes the $200 to $500 deposit.
- Repatriation at actual costs, not a capped amount: An air evacuation to Singapore or Bangkok is quoted at $20,000 to $50,000, and a capped line is the one that runs out mid-transfer.
- Private liability of at least $500,000: Motorbikes are everywhere and a third-party claim is settled under Vietnamese law, in a currency and a procedure you do not control.
- Search and rescue, if you are heading north: The plans carry about $3,300 to $6,700 of it. That is what pays for a recovery in the Sapa or Ha Giang highlands.
- Baggage above $1,500: Our Vietnam floor, set because bag snatching recurs in the big cities, Ho Chi Minh City in particular. Only WorldSecure Platinum clears it, at about $2,200.
What does your US credit card really pay in a Vietnamese hospital?
The strongest emergency medical line on a US card we score is $2,500, on the Chase Sapphire Reserve, reimbursed after you have paid the bill yourself and minus a $50 deductible. Capital One Venture X Business, the HSBC Elite World Elite Mastercard and the Ritz-Carlton card stop at the same $2,500. The American Express Platinum, at $895 a year, and the Citi Prestige list no emergency medical coverage at all. Against a dengue ward at $200 to $500 a day, $2,500 buys you five to twelve days and nothing else.
Cancellation is the other half of the illusion. Plenty of US cards include it, from $1,500 to $15,000 per person, but the list of accepted reasons is short and the coverage applies only to what you paid on that card. None of them organizes a medical flight out of Vietnam, and none of them pays a hospital directly, which is the single thing that decides whether you hand over a deposit. What US cards really pay sets out each card's limits line by line.
Which plans still quote once you pass 40, 65 or 80?
Age removes plans from your list rather than raising the price. At 39 you have all five; at 40 you lose the cheapest; at 66 you lose the best-rounded one; past 84 our comparator returns nothing for this route.
Plan | Buys up to | Group size | What that means for a Vietnam trip |
|---|---|---|---|
WorldSecure Basic | Age 39 | Up to 10 travelers | The cheapest Vietnam quote on the route, and closed the day you turn 40. |
WorldSecure Platinum | Age 65 | Up to 10 travelers | The only plan that can add trip cancellation and extreme sports here. |
Go Explore | Age 80 | Up to 6 travelers | Medical stops at about $280,000, under the $300,000 floor we set for Vietnam. |
Go Explore + | Age 80 | Up to 6 travelers | The highest medical ceiling on this route, about $560,000. |
World Travel | Age 84 | Up to 20 travelers | Cancellation included, flight delay from four hours, and the widest age range. |
When should you buy, and how late is too late?
Buy once your flights are booked, and in any case before you leave. Three of the five plans, WorldSecure Basic, WorldSecure Platinum and World Travel, accept a policy bought on the day of departure; Go Explore and Go Explore + need at least one day's notice. Nothing covers an event that began before the policy did, so buying late narrows what the plan can pay for rather than what it costs.
- Price the trip with your real dates. Duration is flat on the Go Explore plans and per-day on the others, so the comparison changes with the calendar.
- Tick the options at the quote stage. Trip cancellation and extreme sports are ticked in the comparator, and there is no later form for either.
- Check the age of every traveler before you choose. A birthday between booking and departure can move you off a plan.
- Download the certificate. It arrives immediately and it is the document a hospital admissions desk asks to see.
- Save two numbers in your phone: your insurer's assistance line, and 115 for a Vietnamese ambulance.
If your worry is the money already spent rather than the hospital, read trip cancellation insurance first: on this route only World Travel includes it, at about $1,700, and only WorldSecure Platinum will raise it to your trip price up to about $10,000.
Last updated: November 2026. Prices and coverage limits were captured from our live comparator on November 9, 2026, and are refreshed as the market moves.
Vietnam cover: what travelers ask before they book
No. Our route check on November 9, 2026, returns an electronic visa requirement for a US passport and nothing else: the application asks for a passport valid at least one month beyond your stay, and a photo on a neutral background. No proof of insurance is requested at the border or in the e-visa file.
$49.83 to $94.42 for one adult aged 34, from the five live quotes our comparator returned on November 9, 2026, for 14 days in Vietnam from a US address. A family of four pays $150.81 to $377.67 for the same two weeks.
Not for that condition. All five plans that quote for Vietnam exclude pre-existing conditions and any illness known before departure. Everything else is covered normally: an infection, an accident, a surgical emergency that starts during the trip. If your condition is the reason you are worried, price the trip and read the policy wording before you buy rather than after.
The CDC tells travelers to review their health insurance to confirm it covers care abroad, and to consider travel health and medical evacuation insurance on top. None of the five plans here depends on your home plan: they bill the Vietnamese hospital directly, which is what avoids the $200 to $500 deposit a private hospital asks before treatment.
Yes. Dengue contracted during the trip is an illness, covered under emergency medical and hospital coverage against ceilings of about $280,000 to $560,000, with ward costs in Vietnam quoted at $200 to $500 a day. One exception to read: World Travel excludes the consequences of epidemics and pandemics outright.
On three of the five plans, yes: WorldSecure Basic, WorldSecure Platinum and World Travel accept a policy bought on the day of departure. Go Explore and Go Explore + require at least one day’s notice. No plan covers something that started before the policy did, so a late purchase limits what can be claimed, not the premium.
$25 for a single entry and $50 for multiple entries, the government fee set by Circular 28/2026/TT-BTC, filed on the Immigration Department portal at evisa.gov.vn. The legal deadline is three working days and validity is capped at 90 days. No insurance is included or required with it.
Go Explore +, at about $560,000 of emergency medical and hospital coverage. WorldSecure Basic, WorldSecure Platinum and World Travel sit at about $330,000, and Go Explore at about $280,000, which is the only one under the $300,000 floor our Vietnam monitoring sets for this destination.
Your medical treatment, yes, like any accident. A claim from a third party, yes, against private liability of about $1,700,000 to $5,000,000 depending on the plan. The rented scooter itself, no: all five plans exclude rental-vehicle liability, so damage to the bike and damage you cause with it fall outside the policy.
Three: World Travel at $94.42, Go Explore at $95.73 and Go Explore + at $116.71 for 14 days, quoted on November 9, 2026. WorldSecure Basic (under 40) and WorldSecure Platinum (up to 65) refuse the age outright, which is why the entry price for a traveler of 68 is nearly double the entry price at 34.
Rarely. World Travel includes about $1,700 of it. WorldSecure Platinum sells it as a paid option, up to your trip price capped at about $10,000. Go Explore, Go Explore + and WorldSecure Basic do not cover it at all. With typhoon season flagged for November, that is the line to check before you book non-refundable flights.
An air evacuation to Singapore or Bangkok is quoted at $20,000 to $50,000 by the Viet Nam National Authority of Tourism. All five plans pay repatriation and evacuation at actual costs rather than against a ceiling, but all five require the insurer to approve and organize the transfer first.
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