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Vietnam Travel Insurance Guide: Top 5 Insurance Options for Your Trip

Embarking on a journey to Vietnam, with its captivating landscapes and rich cultural tapestry, is an adventure filled with excitement and discovery. Ensuring a safe and worry-free experience involves choosing the right travel insurance. From comprehensive coverage to specific needs for exploring Vietnam, this guide explores the best travel insurance options, providing peace of mind for every traveler’s unique journey.

1. World Nomads: Comprehensive Coverage

World Nomads stands out as a top choice for adventurous travelers exploring Vietnam’s diverse terrains. Offering extensive coverage for medical emergencies, trip cancellations, and adventure activities like trekking and motorcycling, it caters to the thrill-seekers. Their flexible policies and user-friendly online platform make it easy for travelers to customize plans based on their specific needs. With 24/7 customer support and a reputation for reliability, World Nomads ensures that adventurers can explore Vietnam with confidence.

2. Allianz Global Assistance: Versatile Coverage for Every Traveler

Allianz Global Assistance provides versatile coverage suitable for a range of travel styles, making it an excellent choice for Vietnam-bound tourists. Their comprehensive plans include coverage for medical emergencies, trip interruptions, and baggage loss. Allianz offers a user-friendly online interface for easy policy management and claims processing. With a global network of medical providers and assistance services, travelers can trust Allianz to provide reliable support throughout their journey in Vietnam.

3. AXA Assistance: Tailored Coverage with Global Support

AXA Assistance offers tailored travel insurance with a global support network, making it a reliable choice for Vietnam-bound travelers. Their plans cover a spectrum of needs, including medical emergencies, trip cancellations, and baggage protection. AXA Assistance’s emphasis on customer service ensures that travelers have access to assistance whenever needed. With a user-friendly online platform for policy management and claims, AXA Assistance provides a seamless experience for those prioritizing personalized coverage and global support.

4. Travel Guard: Customizable Plans for Personalized Protection

Travel Guard, powered by AIG, provides customizable travel insurance plans to suit individual preferences and needs. Their coverage includes medical expenses, trip disruptions, and comprehensive protection against unexpected events. With flexible options for coverage enhancements, travelers can tailor their policies for specific activities or preferences. Travel Guard’s commitment to customer satisfaction, coupled with its global presence, ensures that Vietnam-bound tourists have access to personalized protection for a worry-free exploration.

5. SafetyWing: Affordable and Flexible Coverage

For budget-conscious travelers seeking reliable coverage, SafetyWing emerges as an affordable and flexible option. With comprehensive medical insurance, SafetyWing is a practical choice for those exploring Vietnam on a budget. Their policies are available to travelers of all nationalities, and the coverage extends even during brief returns to the home country. SafetyWing’s affordability and flexibility make it an attractive option for those prioritizing financial considerations without compromising on essential coverage .

Choosing the Right Travel Insurance: Considerations and Tips

Selecting the best travel insurance for Vietnam involves considering factors like coverage for medical emergencies, trip cancellations, and specific activities such as adventure sports. Assess your individual needs, duration of stay, and the type of activities you plan to engage in. Read policy details carefully. Additionally, consider the ease of claims processing and customer support. Comparing quotes and reviews can guide you in making an informed decision tailored to your travel requirements.

Conclusion: Safeguarding Your Vietnam Adventure

Choosing the best travel insurance for your Vietnam adventure ensures a safety net for unforeseen circumstances. Whether you’re exploring off-the-beaten-path destinations or immersing yourself in cultural experiences, reliable coverage from providers like World Nomads, Allianz Global Assistance, SafetyWing, AXA Assistance, and Travel Guard ensures you can focus on creating lasting memories with peace of mind.

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AIG Travel Guard Insurance Review: What to Know

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Table of Contents

Coronavirus considerations

Travel insurance plans offered by aig travel guard, how to buy a travel guard policy, additional travel insurance options and add-ons, what’s not covered by a travel guard plan, who should get a travel guard insurance policy, travel guard, recapped.

Travel Guard by AIG

• Offers last-minute coverage.
• Pre-Existing Medical Conditions Exclusion Waiver available at all plan levels.
• Plan available for business travelers.
• Cancel For Any reason coverage only available for higher-level plans, and only reimburses up to 50% of the trip cost.
• Trip interruption coverage doesn't apply to trips paid for with points and miles.

As one of the world’s largest insurance companies and with a 100-year history, it makes sense that AIG would offer travel insurance. AIG’s travel insurance program, called Travel Guard, provides a number of coverage options to offer peace of mind on your trips.

Travel insurance helps you get some money back if anything goes wrong on your trip. If you’re thinking about buying coverage for an upcoming trip, first look into the coverage you may get from your travel credit cards . Many basic protections are offered on cards that you may already have.

If you’re looking for additional coverage, AIG travel insurance is a solid choice. Consumers Advocate rated AIG’s plans at 4.4 stars out of 5 stars.

» Learn more: The majority of Americans plan to travel in 2022

Importantly, if you catch COVID-19 before or during your trip, you will be covered under Travel Guard’s trip cancellation benefit. If you become sick with COVID-19 during the trip, the medical expenses and trip interruption benefits will kick in. However, Travel Guard considers COVID-19 a foreseen event and as a result, certain other coronavirus-related losses may not be covered. Given the constantly evolving travel environment, review the Travel Guard’s coronavirus coverage policies so that you’re award of what is and isn’t covered.

Here’s what you need to know about AIG's Travel Guard insurance plans.

AIG travel insurance’s Travel Guard plans cover you if you need to cancel (or interrupt) your trip due to illness, injury or death of a family member. Inclement weather that causes a trip delay or cancellation is covered by all Travel Guard policies as well.

Travel Guard offers three main AIG travel insurance plans, plus a host of add-on options. Here are the most essential benefits:

Travel Guard Essential - The most basic level of coverage

Covers 100% of the cost of your trip if it gets canceled or interrupted due to illness.

Includes a $100 per day reimbursement for any delays in your trip (max $500 total).

Covers up to $15,000 in medical expenses ($500 dental), plus a $150,000 maximum for emergency medical evacuation.

Covers up to $750 in compensation for stolen luggage and a maximum of $200 if your bags get delayed by more than 24 hours.

Travel Guard Preferred - This midlevel plan gives many of the same basic coverages as the Essential, but at higher levels.

Trip cancellation pays out at 100%. If your trip gets interrupted, you’ll get 150% of the cost of the trip.

Trips delayed by more than five hours will get you up to $800 ($200/day).

You’ll be covered up to $50,000 for medical expenses ($500 dental) and up to $500,000 for emergency evacuation.

This plan offers $1,000 for lost or stolen bags and $300 for baggage delays longer than 12 hours.

Travel Guard Deluxe - The biggest benefits can be found in this highest level plan.

Like the Preferred, you’ll get 100% coverage for trip cancellation and 150% of the cost of your insured trip in the event of a trip interruption.

Up to $1,000 ($200/day) for a trip delay of five hours or more.

Up to $100,000 for medical expenses ($500 dental), $1,000,000 for emergency evacuation and $100,000 in coverage for a flight accident.

Coverage for lost or stolen bags jumps up to $2,500 and $500 for baggage delay of more than 12 hours.

A long list of "Travel Inconvenience Benefits" are also included (such as runway delays, closed attractions, diversions, etc.)

This plan also offers roadside assistance coverage for the duration of your trip, which isn't included in the other two plans.

» Learn more: How to find the best travel insurance

Travel Guard’s website is simple to navigate and provides instant quotes that clearly spell out what's covered. You’ll need to enter basic information about the trip you want coverage for, including:

Destination.

How you’re getting there (airplane, cruise or other).

Travel dates.

Your home state.

Date of birth.

How much you paid for the trip.

The date when you paid for the trip.

Once you answer the questions, you’ll instantly get price quotes for different options of insurance for your trip. Each column clearly shows what’s covered for all options in a long list, so you can quickly compare.

This example shows options based on a two-week $5,000 trip to Spain for someone who is 40 years old. In this case, the mid-tier plan costs about 6% of the total trip cost.

It’s also important to know that plan offerings change based on what state you live in; not all states are covered.

If you purchase a Travel Guard plan and need to file a claim, you can do it on their website or by calling (866) 478-8222. You can also track the status of the payment of your claim on the site.

If you’re planning multiple trips that you would like covered, look at Travel Guard’s Annual Travel Insurance Plan. This 12-month option covers multiple trips and could save you money over insuring each trip separately.

Another option is the "Pack and Go" plan, which is a good choice if you’re going on a last-minute getaway and don’t need trip cancellation protection.

There are also options to add rental vehicle damage coverage, Cancel For Any Reason coverage, and medical and security bundles to the plans. You’ll be able to select these add-ons when you’re purchasing a policy.

» Learn more: Cancel For Any Reason (CFAR) travel insurance explained

While the Essential, Preferred and Deluxe plans all offer varying degrees of coverage for your trip, there are some things that won’t be covered by any of the plans. Here are a few highlights of things that aren't included; you’ll find full lists on each policy:

Coverage for trips paid for with frequent flyer miles or loyalty rewards programs: Travel Guard will only protect the trips you pay for with cash. If you’re redeeming your points for that bucket list trip, unfortunately, you won’t qualify for coverage. However, the cost of redepositing miles back into your account is covered.

Baggage loss for eyeglasses, contact lenses, hearing aids or false teeth: These items should be kept with you in your carry-on as a general rule, since a Travel Guard policy won’t cover them.

Known events: If you knowingly book a trip with some inherent risks, it won’t be covered. For example, once the National Weather Service issues a warning for a hurricane, it becomes a known event. Once COVID-19 became a pandemic, it was categorized as a foreseeable event and was no longer covered. You can cancel the policy you purchase up to 15 days prior to your trip to receive a refund for the premium paid.

» Learn more: Does travel insurance cover award flights?

Many trips may be sufficiently covered by your credit card benefits, but you should do research to see which cards provide the best options (and remember to use that card to book the trip).

However, if you’re planning major international travel or embarking on a big cruise trip, Travel Guard's Preferred and Deluxe plans may offer better coverage than your credit card. Overall, Travel Guard plans offer a variety of coverage options with an easy-to-navigate website that could be a good fit for your next trip.

If you’re not finding what you’re looking for with a Travel Guard plan, check out an insurance comparison site like Squaremouth, where you will have a lot of different plan options to choose from.

» Learn more: Is travel insurance worth it?

Travel Guard offers several trip insurance plans with varying degrees of coverage. Some plans also allow you to purchase optional upgrades such as CFAR and auto rental coverage. Plan availability differs by state, so make sure you input your trip details to see what plans are available to you.

If you have a premium travel credit card, you may already have some elements of travel insurance coverage included for free. Before you decide to purchase a comprehensive policy, check what coverage you may already have from your credit card.

Travel Guard’s insurance plans offer trip cancellation, trip interruption, emergency medical coverage and evacuation, baggage delay, baggage loss, and more. Some policies may also allow you to add on benefits like Cancel For Any Reason and car rental damage coverage.

If you need to cancel your trip for a covered reason (e.g., unforeseen sickness or injury of you or your family member, required work, victim of a crime, inclement weather, financial default of travel supplier, etc.) you will be covered. To see the whole list of covered reasons, refer to the terms and conditions of your policy.

To get a refund, you will need to file a claim by either calling (866) 478-8222 or submitting it online at its claims page . You may be required to provide verifying documentation to substantiate your claims so keep any receipts that you intend to submit. You can also check the status of your claim at any time on Travel Guard’s website .

The Cancel For Any Reason optional upgrade is available on certain Travel Guard plans. Travel Guard’s CFAR add-on allows you to cancel a trip for any reason whatsoever and get 50%-75% of your nonrefundable deposit back as long as the trip is canceled at least two days prior to the scheduled departure date.

To get a refund, you will need to file a claim by either calling (866) 478-8222 or submitting it online

at its claims page

. You may be required to provide verifying documentation to substantiate your claims so keep any receipts that you intend to submit. You can also check the status of your claim at any time

on Travel Guard’s website

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

on Chase's website

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

50,000 Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

The ultimate guide to buying travel insurance in Vietnam

Travel insurance has been gaining popularity during the covid-19 pandemic. you might wonder what benefits this type of insurance brings or why you need to buy it. so, let’s have a look at this below post for an overview and select the most suitable coverage for your trip., what is travel insurance.

Travel insurance is considered a financial plan used for protection against risks and loss of money or property in your trip. In detail, insurance companies will reimburse you in those circumstances or in any medication-related issue and additional cost during the journey.

Should you buy travel insurance?

As mentioned above, travel insurance helps you a lot on your vacation. You will obtain different amounts of compensation and benefits based on the companies and coverage you choose. Now let’s examine the cases below and give answers to the questions above.

Cases are covered by travel insurance

In general, 5 popular cases occurring during the trip you can make a claim are:

• Trip cancellation

If you have to suddenly change or cancel your trip, insurance companies will reimburse the prepaid for flights, accommodation or travel tickets. Yet, the coverage is valid only if your reasons for canceling are listed in the policy. For instance, natural disasters happen at your destination or you are too sick to join the trip.

• Accidents and medical emergencies

Accidents and injuries during the journey are not rare, especially when you partake in physical challenge activities. In case of abroad travel, medical expenses can cost you an arm and a leg if you get food poisoning or face other health-related issues. An insurance package can cover those problems.

• Loss luggage

Risks of lost luggage probably happen in both domestic and overseas travel. In this case, travel insurance with luggage coverage will pay for stolen or lost items with a respective amount of money.

• Missed departure time

Missed flights or trains might lead to lots of troubles and cost you a great deal of money for buying other tickets. Owning missed connection travel insurance can help you receive compensation in specific circumstances listed in the policy.

• Travel delays

Travel delays might result in missed connecting flights or planned tourism activities. In those cases, a policy with travel delay coverage can reimburse you for unused trip expenses including flight tickets and accommodation that are prepaid and nonrefundable.

You should buy travel insurance!

A detailed itinerary can lessen the possibility of unexpected events during the trip. Yet, risks are unpredictable so you should seriously consider buying travel insurance. In addition, the pandemic leads to the anxiety of exposure to the COVID-19 in the trip. Therefore, purchasing travel coverage is the right decision.

Who should buy travel insurance?

Travel insurance covers a wide range of people from 6 weeks to 85 years old depending on the companies’ policies. If you find yourself in one of the travel groups below, you might need travel coverage:

• Broad travel

Overseas trips often bear more risks than domestic travel, including lost luggage/personal paper, and more expenses as well. So if you are an abroad traveler, it is worth thinking about suitable coverage.

• Valuable trip

If you planned and pre-booked for your luxurious trip with an expensive resort, nonrefundable flights, and a 5-star cruise, you definitely should add travel insurance. In case you have to cancel your trip and prepaid services decline to refund, the coverage will reimburse you all those costs.

• Challenge activities included in the trip

Physical challenge activities and cave/jungle/waterfall exploration trips are appealing to tourists all over the world, and potential for injuries as well. This type of coverage is not compulsory, however, insurance companies often recommend it because of its necessity.

Some popular types of travel insurance

There are various ways to classify travel insurance, including by region and by insured.

Travel insurance by region

• Domestic travel insurance

This insurance package is designed for tourists traveling to destinations within the territory of Vietnam. Its cost is quite cheap but benefits are various, especially in medical and health issues.

• Global travel insurance

This type of insurance covers trips abroad and usually offers many benefits for travelers such as lost luggage, lost personal paper, or flight issues.

Travel insurance by the insured

• Individuals

It is suitable for travelers with private requests of criteria for their vacation. This coverage often provides a wide variety of benefits and compensation amounts for choosing.

• Family/groups

This coverage is applied to a group of tourists or a family traveling together. Prices for those packages are often cheaper than ones for individuals.

• Enterprises

This type of travel insurance is designed for business traveling purposes. The term in policies is usually by year for saving time and money.

• Travel tours

This travel coverage is specifically designed for travel agencies, generally included in total tour expense.

Some notices for buying travel insurance

• Not every trip needs travel insurance

This is a suggestion for you: if you plan an economically domestic trip with a limited budget and no valuable luggage, you might skip travel insurance. By contrast, in case the total cost for your trip is significant, you definitely should have one.

• Carefully read the policies

You should spend time reading every term of your coverage contract to know exactly what is covered and what is not. Then, you can add or narrow the list as needed. Moreover, choose the insurance companies with 24/7 support service so you can contact them anytime you get into trouble.

• Try not to overlap

If you already had life insurance or medical insurance, you might need to check that coverage’s policies to make sure you won’t pay for one benefit twice. For instance, your medical insurance possibly covers the hospital fees in case of your sickness and accident during the trip.

• You might need to buy it soon

After planning and pre-booking every service for the journey, you should get travel insurance as soon as possible, at least coverage with a cancellation policy. In the event of irresistibly canceling, you can be reimbursed by the insurance company.

• Don’t fall for tourist traps

Note that again, to not fall for sales tactics with additional terms, you need to read the policy carefully to identify what you want to be covered. Also, it is necessary to remove the benefits you already had.

Some reliable travel insurance in Vietnam

In Vietnam, many prestigious insurance companies are providing comprehensive solutions for travel, business trips, and study abroad. Some reliable ones are:

Renowned with many coverage packages that are financially suitable for travelers, Baoviet TravelCare is your reliable companion on every trip. Global travel insurance Flexi is one of the most outstanding solutions of Baoviet, designed for individuals and customers of Saigontourist.

Bao Minh is renowned for many insurance packages for domestic and international travel with 22 compensatory benefits, which is appropriate for applying for a worldwide Visa.

Vietnam National Aviation Insurance Corporation provides both domestic and global coverage for individuals and corporations. In unexpected events, VNI will reimburse you the amount of money fixed in the insurance certificate.

A well-known product of Chubb and PVI is TripCARE – the comprehensive travel insurance for customers of Vietnam Airlines.

BIC is BIDV’s insurance company, covering all customers from 1 to 70 years old in the event of accidental death, dismemberment, medical assistance, as well as any luggage and trip issues.

Insurance coverage Travel Guard of AIG offers various solutions with lots of benefits and professional compensation services.

Liberty company sells a great variety of insurance products. International travel insurance TravelCare is popular for its wide coverage for customers traveling individually and in groups.

As you can see, almost all insurance companies offer qualified domestic and global coverage packages. Each business gains the advantage over others on specific products, yet, all of their solutions focus on improving customers’ benefits.

Here is the overview of travel insurance. This post is expected to help you have a better understanding of the importance of travel coverage for your trip and get more useful information for choosing the most suitable coverage.

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AIG Vietnam Insurance Co. Ltd.

• 9/F, 65 Le Loi Street, District 1 Ho Chi Minh City
• +84 28 3914 0065
• +84 28 3914 0067
• Visit Website

As an AIG company, we take on our clients’ challenges and goals. Whether the need is as travel insurance or as complex as providing environmental coverage, our priority is providing clients with the confidence they need to prosper. Behind every policy we write is our commitment to deliver what matters most to them. Our main products Consumer Insurance • Travel Corporate Insurance • Marine Cargo • Directors & Officers Liability • Property • Professional Indemnity • Third Party Liability • Crime • Products Liability • Trade Credit • Energy About AIG Operating in approximately 80 countries and jurisdictions, AIG’s worldwide perspective offers the benefit of global experience on current and emerging risks, while our local presence provides partners, clients and customers with access to professionals who understand local market needs. AIG offers a range of general insurance products and services through a diversified, multichannel distribution network. Our strong capital position, extensive risk management and claims experience are valued by our clients along with our commitment to operational, technical and service excellence. Additional information about AIG can be found at www.aig.com and www.aig.com/strategyupdate | YouTube: www.youtube.com/aig | Twitter: @AIGinsurance | LinkedIn: http://www.linkedin.com/company/aig. These references with additional information about AIG have been provided as a convenience, and the information contained on such websites is not incorporated by reference into this document.

Rep/Contact Info

Ms. Tran B. T. Le

Ms. tran b. t. le casualty profit center manager.

Mrs. Thanh N. T. Nguyen

Mrs. thanh n. t. nguyen ceo & general director.

Mr. Chooi Ong Kian

Mr. chooi ong kian country claims and operation officer.

Mr. Vu H.T. Phan

Mr. vu h.t. phan associate general counsel, tell a friend.

Travel Insurance Vietnam

Travel insurance for vietnam.

Ah, Vietnam – a vibrant chaos of scooters zipping around, ancient temples that have seen it all, and greenery that makes you feel like you're in a nature hug. This Southeast Asian gem isn't just about rich culture and history – it's also the kingdom of adventures and, of course, the land of the mighty pho. Before you kick off your shoes and wade into the wonders of Vietnam, let's talk about practical matters. While Vietnam's known for the stunning Ha Long Bay and its gregarious people, it's also a place where even the savviest traveler might hit a speed bump. Let's dive into the everything you need to know abouet travel insurance for Vietnam so you can face unexpected travel hiccups with confidence.

• What should your Travel insurance cover for a trip to Vietnam? 
• How does Travel Insurance work for Vietnam?
• Do I need Travel Insurance for Vietnam? 
• How much does Travel Insurance cost for Vietnam? 
• Our Suggested AXA Travel Protection Plan

What Types of Medical Coverage Do AXA Travel Protection Plans Offer?

Are there any covid-19 restrictions for travelers to vietnam.

• Traveling with pre-existing Medical Conditions?

What should your travel insurance cover for a trip to Vietnam?

At a minimum, your travel insurance should cover trip cancellation, trip interruption and emergency medical expenses. When it comes to international travel, the US Department of State outlines key components that should be included in your travel insurance coverage.  AXA Travel Protection plans are designed with these minimum recommended coverages in mind. 

• Medical Coverage   – The top priority is making sure your health is in order. With AXA Travel Protection, you can have access to quality healthcare during your trip overseas in the event of unexpected medical emergencies.    
• Trip Cancellation & Interruptions  – Assistance against unexpected trip disruptions can dampen the mood, AXA Travel Protection offers coverage against unforeseen events.   
• Emergency Evacuations and Repatriation   – In situations where transportation is dire, AXA Travel Protection offers provisions for emergency evacuation and repatriation.   
• Coverage for Personal Belongings  – AXA offers coverage for your belongings with assistance against lost or delayed baggage.   
• Optional Cancel for Any Reason  – For added flexibility, AXA offers optional Cancel for Any Reason coverage, allowing you to cancel your trip for non-traditional reasons.  Exclusive to Platinum Plan holders. 

In just a few seconds, you can get a free quote and purchase the best travel insurance for Vietnam.

How does Travel Insurance for Vietnam work?

Imagine: you're on a motorbike adventure through the winding roads of Dalat. Suddenly, an unexpected slip or a minor mishap occurs, and you find yourself in need of medical attention. Here's where an AXA Travel Protection plan steps in with its "Emergency Medical Expenses" benefit. From hospital stays to doctor's fees, AXA can support and assist so you're not left navigating the complications of the Vietnamese healthcare system. Moreover, if the situation takes a serious turn and requires evacuation to the nearest medical facility or even repatriation, AXA Travel Protection's got your back. Here’s how travelers can benefit from an AXA Travel Protection Plan:  

Medical Benefits: 

• Emergency Medical Expenses: Should you fall ill or have an accident during your trip, your policy may offer coverage for medical expenses, including hospital stays and doctor's fees. 
• Emergency Evacuation & Repatriation: In case of a serious medical emergency, your policy may include provisions for evacuation to the nearest appropriate medical facility or repatriation. 
• Non-Emergency Evacuation & Repatriation : In non-medical crises (e.g., political unrest), your policy may cover evacuation or repatriation, subject to policy terms. 

Pre-Departure Travel Benefits: 

• Trip Cancellation: You may be eligible for reimbursement if you cancel your trip due to a sudden illness or injury. 
• COVID-19 Travel Insurance: Coverage is available for trip cancellation and medical expenses related to COVID-19, subject to policy terms and conditions. 
• Trip Delay: If your flight faces delays due to unforeseen circumstances, you may have coverage for additional expenses such as meals and accommodations. 

Post-Departure Travel Benefits:

• Trip Interruption: In case of an unexpected event, you could be eligible for reimbursement for the unused portion of your trip.
• Missed Connection: If you miss a connecting flight due to delays or cancellations, this coverage may help with expenses like rebooking fees and accommodations.

Baggage Benefits: 

• Luggage Delay: If the airline delays your checked baggage, your policy might offer reimbursement for essential items like clothing and toiletries. 
• Lost or Stolen Luggage: In the unfortunate event of permanent loss or theft of your luggage, your policy may offer reimbursement for its value, assisting you in replacing your belongings. 

Additional Optional Travel Benefits:

• Rental Car (Collision Damage Waiver): Exclusive to Gold & Platinum plan policy holders, this optional benefit gives travelers extra coverage on their rental car against damage and theft. 
• Cancel for Any Reason: Exclusive to Platinum plan policy holders; this optional benefit gives travelers more flexibility to cancel their trip for any reason outside of their standard policy. 
• Loss Skier Days: Exclusive to Platinum plan policy holders, this optional benefit offers reimbursement to mitigate some costs associated with pre-paid ski tickets that you or your traveling companion cannot use due to specified slope closures. 
• Loss Golf Days: Exclusive to Platinum plan policy holders, this optional benefit offers reimbursement to mitigate the expenses linked to prepaid golf arrangements that you or your travel companion are unable to utilize due to specified golf closures. 

Do I need Travel Insurance for Vietnam?

Although it's not required to have travel insurance for Vietnam, we highly recommend that travelers think about getting an insurance plan to make sure they stay well-protected during their visit. Why? There are several reasons:

Medical Emergencies: Given the adventurous activities in Vietnam, the potential for minor mishaps or unexpected health issues is notable. Having coverage for emergency medical expenses ensures that you can seek necessary medical attention without worrying about the financial burden.

Lost Baggage: Airlines sometimes mishandle baggage, and the last thing you want is to be without your essentials in an unfamiliar place. Travel insurance offers to cover the cost of replacing necessary items, allowing you to continue on.

Emergency Evacuation & Repatriation: While Vietnam's healthcare has improved through the years, the quality of healthcare in more rural or remote areas may not be as advanced. In the event of a serious medical emergency, having coverage for emergency evacuation to the nearest suitable medical facility or repatriation becomes crucial.

How much does Travel Insurance cost for Vietnam?

In general, travel insurance costs about 3 – 10% of your total prepaid and non-refundable trip expenses. The cost of travel insurance depends on two factors for AXA Travel Protection plans:

• Total Trip cost:  The total non-prepaid and non-refundable costs you have already paid for your upcoming trip. This includes prepaid excursions, plane tickets, cruise costs, etc. 
• Age:  Like any other insurance type, the correlation is rooted in increased health risks associated with older individuals. It's important to note that this doesn't make travel insurance unattainable for older individuals. 

With AXA Travel Protection, travelers to Ecuador will be offered three tiers of insurance:  Silver,   Gold  and  Platinum . Each provides varying levels of coverage to cater to individual's preferences and travel needs. 

Our Suggested AXA Travel Protection Plan 

AXA presents travelers with three travel plans – the  Silver Plan ,  Gold Plan , and  Platinum Plan , each offering different levels of coverage to suit individual needs. Given that Vietnam hospitals often do not accept U.S. health insurance or Medicare, we genuinely recommend travelers consider purchasing any of these plans, particularly for the crucial coverage they offer for emergency accident and sickness medical expenses. Travelers to Vietnam may want extra coverage. The Platinum Plan is a good choice for travelers who want a bit of extra coverage. Cancel for Any Reason is an option that offers coverage for canceling a trip for any reason. The Collision Damage Waiver coverage is also optional. It covers collisions, theft or damage to a rental car being used during your Vietnam trip.

AXA covers three types of medical expenses:

• Emergency medical expenses 
• Emergency evacuation & repatriation 
• Non-medical emergency evacuation & repatriation 

Emergency Medical: Can cover medical expenses, hospital stays, and even emergency evacuations, covering the expenses of hefty bills and ensuring access to quality healthcare while away from home.

Emergency Evacuation and Repatriation: Can cover your immediate transportation home in the event of an accidental injury or illness. 

Non-Medical Emergency Evacuation and Repatriation: Offers assistance in unexpected situations such as political unrest or natural disasters, ensuring safe and timely relocation to a secure location or repatriation back home. 

Starting in 2023, travelers heading to Vietnam no longer have to show a valid Covid-19 vaccine card or a negative PCR test. The travel restrictions in Vietnam have been lifted, making the entry process simpler for all travelers.

Traveling with pre-existing Medical Conditions? 

Traveling with pre-existing medical conditions can complicate your plans, but with AXA Travel Protection, we're here to support you during your trip.   Our Gold and Platinum  plans offer coverage for pre-existing medical conditions.  The Platinum plan, in particular, is our highest-offered choice for travelers who want our highest coverage limits and optional add-ons, 

What does this mean for you? If you've got a medical condition that's been hanging around, you can qualify for coverage under our Gold and Platinum plans with a pre-existing medical condition , so long as it’s within 14 days of placing your initial trip deposit and in our 60-day look-back period. We're here to ensure you travel easily, no matter your health situation. 

1. Can you buy travel insurance after booking a flight?

You can buy travel insurance even after your flight is booked.

2. When should I buy Travel Insurance to Vietnam?

Purchasing travel insurance for your trip is advisable as soon as you have made your initial trip deposit (prepaid and non-refundable trip costs.) AXA Travel Protection offers coverage as soon as you purchase your protection plan. We can give coverage against unforeseen events before you leave for your trip. Additionally, our policies offer coverage for preexisting medical conditions and Cancel for Any Reason if you purchase your protection within 14 days of making your initial trip deposit.

3. Do Americans need travel insurance in Vietnam?

While travel insurance is not a mandatory requirement for Americans visiting Vietnam, it is highly recommended. Travel insurance can provide financial protection and assistance in case of unexpected events such as medical emergencies, trip cancellations, lost luggage, or other travel-related issues.

4. What is needed to visit Vietnam from the USA?

For a trip to Vietnam, US citizens need a visa for tourism or business, obtainable from the Vietnamese Embassy in the US or through a single-entry e-visa on the Vietnam Immigration website. Make sure your passport is valid for at least six months beyond your intended stay and has at least one blank visa page.

5. What happens if a tourist gets sick in Vietnam?

If you become sick in Vietnam, travelers with AXA Travel protection can contact the AXA Assistance hotline at  855-327-1442 . Contact information is typically provided within the insurance documentation. Please ensure to read through your policy details and information.

Disclaimer: It is important to note that Destination articles are for editorial purposes only and are not intended to replace the advice of a qualified professional. Specifics of travel coverage for your destination will depend on the plan selected, the date of purchase, and the state of residency. Customers are advised to carefully review the terms and conditions of their policy. Contact AXA Travel Insurance if you have any questions.  AXA Assistance USA, Inc.© 2023 All Rights Reserved.  

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Travel Insurance For Vietnam: Everything You Need To Know

Published: Apr 25, 2024, 12:17am

Table of Contents

Do australians need travel insurance for vietnam, what does travel insurance for vietnam cover, frequently asked questions (faqs).

Vietnam is an increasingly popular travel destination for Australians, with the country even hoping to encourage more Aussies to visit by potentially waiving visa requirements in due time.

The Southeast Asian country is set to be high on the list for Aussies going overseas in 2024. The number of Australian tourists in Vietnam now exceeds pre-pandemic levels: more than 317,000 Australians visited Vietnam in 2019 , while there were 390,000 Aussie visitors in 2023.

Plus, as more and more flights become available, such as low-cost carrier Vietjet Air launching a direct service between Hanoi and Melbourne earlier this year, getting to Vietnam is becoming easier for Australians.

If the direct flights, fascinating history, vast scenery and delicious food aren’t enough to convince Australian travellers, the cost may be. Vietnam is considered one of the cheapest travel destinations in the world for Australian tourists due to our strong conversion rate against the Vietnamese Dong and the nation’s low cost of living in comparison to our own.

And while cheap thrills may be what you’re after on your vacation, it’s important not to skimp on the necessities that may cost that little bit extra—such as travel insurance. This guide outlines what you need to know regarding travel insurance in Vietnam.

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Investing in travel insurance is a good idea for any overseas trip. Travel insurance policies can help protect you from having to dive deep into your pockets, with many offering unlimited medical treatment while abroad and cancellation cover for your trip should the unexpected occur.

Travel insurance is not just handy for medical purposes or travel changes, either. Your personal items can be covered, should any baggage go missing or an important item be stolen—which, unfortunately, often occurs in Vietnam.

Smarttraveller warns Australians to be alert at all times in Vietnam, considering petty theft–including bag slashing–is common in tourist areas and crowded places, especially during holiday times. Snatch-and-grab theft by thieves on motorcycles is also common, the website states.

Like most international travel insurance policies, you will be able to find basic coverage for your trip to Vietnam, or choose to opt for a more comprehensive, albeit more expensive, policy.

While a basic policy will often cover medical expenses and lost luggage,a comprehensive policy includes a lot more. Most basic policies also likely won’t offer compensation for travel delays, stolen cash, accidental death and more.

Additionally, if you are going on a trip to multiple countries within the year, it may be worth opting for an ‘annual multi trip’ insurance instead—making sure that there are no exclusions to the regions you are wishing to visit.

Visa Requirements For Australians Travelling to Vietnam

You’ll still be allowed to travel to Vietnam if you don’t invest in travel insurance, but you do so at your own risk—and, as stated, it is highly advised to have a travel insurance policy for any overseas trip.

However, what you cannot do is enter Vietnam as an Australian tourist without a tourist visa. While Vietnam will grant Australian citizens visas on arrival, applying for one online is much easier.

A tourist visa costs under $100 AUD; however the exact price depends on your length of stay.

The Vietnamese government may consider waiving visas for Australian citizens, especially since many other SEA countries have done so such as Indonesia and Thailand .

However, at the time of writing, Forbes Advisor Australia has confirmed that Australian citizens must still obtain a visa to visit Vietnam for tourism purposes.

The exact inclusions of your travel insurance will be dependent on your personal policy and the provider.

However, generally speaking, you can expect a travel insurance policy for Vietnam to offer some level of cover for:

• Medical expenses;
• Lost, damaged or stolen luggage;
• Travel cancellations or delays ;
• Personal liability;
• Credit card fraud;
• Covid-19 expenses;

If you are partaking in certain sports and activities, you will need to make sure that you choose a policy that covers them. You’ll also need to make sure that your policy covers any pre-existing medical conditions as well.

Plus, if you are travelling with valuables, you may wish to opt for a policy that lets you increase the protection cover on your items.

Ultimately, you need to consider what your trip consists of, what you will be taking with you, and your physical health to establish what policies would be appropriate for you.

From there, you can compare quotes of different policies and providers to ensure you have the optimal—yet affordable—cover for your trip to Vietnam.

Does Travel Insurance Cover The Ha-Giang Loop?

Considered one of the most scenic motorcycle routes in the world, the Ha-Giang Loop is a popular tourist activity in Vietnam for adventurous travellers. If the Ha-Giang Loop is one of your goals, you’ll need to make sure you have travel insurance that covers motorcycling.

Occasionally a policy may include this as one of their included ‘sports and activities’, but it is more often the case that you will need to purchase an additional ‘adventure pack’ that is either specific to, or includes, motorsports.

Even so, when purchasing an additional pack to cover motorbikes, you need to be cautious of the conditions. For example, some policies will only cover motorcycle riding if the bike you are riding has an engine under a certain size.

Often, coverage will cease and claims won’t be accepted if you haven’t been wearing the correct safety equipment such as boots and a helmet, or have been under the influence of drugs and alcohol.

What Does Travel Insurance Exclude?

Your travel insurance policy may exclude some activities that you wish to partake in, unless you can opt-in to purchase an additional adventure pack as explained above in regards to motorbike riding.

Just like with the inclusions of a policy, the exclusions depend on what type of policy you choose, and what provider you go with.

Commonly, however, you won’t be covered for instances where you:

• Break the law;
• Are under the influence of alcohol or drugs;
• Partake in an excluded activity;
• Receive medical treatment for a pre-existing condition that was not disclosed;
• Travel to a ‘Do Not Travel’ destination as outlined by Smarttraveller.

As always, it is essential to read the product disclosure statement (PDS) of your travel insurance policy carefully to understand what you will and won’t be covered for while overseas.

Do I need a visa to travel to Vietnam?

Yes, as of April 2024, Australian tourists still need a visa to travel to Vietnam. This visa can be obtained on arrival, or purchased online prior to travel. The visa takes approximately three days to process online, and the cost depends on how long you intend to stay in the country.

Does international travel insurance cover Covid-19?

Many comprehensive travel insurance policies now cover Covid-19, including medical conditions related to Covid-19 or trip cancellations due to a Covid-19 diagnosis. However, it is not guaranteed that all policies will. It’s important to check your policy’s PDS carefully to understand what it will and will not cover in regards to Covid-19 for both you and your travelling companions.

Related: Travel Insurance And Covid: Are You Covered?

How much does travel insurance cost for Vietnam?

The cost of your travel insurance for a trip to Vietnam will depend on your age, your health, the activities you wish to partake in, and the length of your stay.

For example, for a 34 year old with no pre-existing medical conditions travelling to Vietnam for two weeks, a policy from some of our top choices for comprehensive travel insurance would cost around $130 (based on quotes from Cover-More , 1Cover , and Fast Cover ).

The prices of these quotes would change depending on a chosen excess, cancellation cover, and any additional coverage options you may choose to purchase such as adventure packs or cruise cover.

Related: How Much Does Travel Insurance Cost?

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Sophie Venz is an experienced editor and features reporter, and has previously worked in the small business and start-up reporting space. Previously the Associate Editor of SmartCompany, Sophie has worked closely with finance experts and columnists around Australia and internationally.

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Vietnam Visa for Indians

Secure your trip to Vietnam with Tata AIG’s travel insurance plan starting at 45.5/day*.

Vietnam receives thousands of tourists annually, and a significant portion of that is made up of Indian tourists. It has much to offer its many visitors with its beautiful coastline, rich history, diverse culture and mouth-watering food. Vietnam is also famous amongst the Indian audience as getting there from India is quick and easy. Moreover, it is a great place to go with family because you can find something for everyone to do. From hikes up jagged peaks for adventurous people to sprawling beaches for those wanting to relax, you can get it all in one trip.

But before you start planning your Vietnam trip, you must have all the necessary paperwork. And leading the list of important paperwork is your Vietnam visa. This is because you cannot begin your trip until you have your visa in hand. The good news is that you can get a Vietnam e-visa for Indians, and acquiring it is simple.

When thinking about your visa, you should also be thinking about a travel insurance . Getting international travel insurance allows you to enjoy your trip more thoroughly as you know you are financially taken care of in many situations. Furthermore, you can also find assurance in the fact that your travel insurance plan will come to your aid in some extreme situations, should you have to face them.

Tata AIG’s international travel insurance plan offers you comprehensive care at affordable rates. You also get to customise your plans as per your needs so that you can cover all the bases. Furthermore, we offer you a hassle-free travel insurance claim process to ensure you get your dues, should you need them. So when planning a trip to Vietnam, choose Tata AIG’s international travel insurance as your partner.

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Vietnam tourist visa for indians.

Vietnam has become a popular tourist destination in the last few years, with more and more people appreciating all the country has to offer. However, if you are someone who wishes to experience the sights and sounds of the Southeast Asian country, you will first need to apply for a Vietnam visa. You will not be able to access the country unless you have a valid Vietnam visa for Indians.

But you need not worry about getting your visa for Vietnam as the process is fairly simple. You can apply for a Vietnam e-visa for Indians or get it physically. Your visa is a single-entry visa and stays valid for 30 days from the date of commencement on your trip. You must always apply for a Vietnam e-visa for Indians as it means you save time.

There are a few documents you need to present when you apply for your Vietnam visa, and if you have these documents in place, you should have no problem getting your visa, allowing you to enter Vietnam and enjoy all the country has to offer.

Moreover, Indian passport holders are also eligible for a Vietnam visa on arrival. However, this visa on arrival is typically for individuals travelling with a recognised Vietnamese tour operator.

Vietnam Visa for Indians –The Application Process

As we have already mentioned above, there are two ways in which you can apply for a Vietnam visa. You can either opt for a Vietnam e-visa for Indians or apply for your visa physically. As implied, both application methods have different procedures one needs to follow, and we will be elaborating on both for your convenience.

Applying for Vietnam e-Visa for Indians

The steps to apply for a Vietnam e-visa are as follows;

• Go to the official Vietnam e-visa application portal
• Click on apply
• Scan the information and photo page on your passport and upload these scanned pictures in JPG format.
• Provide your details and any details of your trip being asked for on your screen
• Pay the visa fees online through any of the e-payment models being offered.

You should hear back from the visa office in 5-30 days after the Vietnam Immigration Department receives your complete application form. If your visa is approved, you will be issued an approval letter stating the same. You can find this letter on the e-visa portal after your application has been approved. You need to enter your registration details, email address and date of birth to access this letter. Once you can access this letter, take a printout of the same. You must show this letter to the immigration authorities, pay the stamping fee, and get your e-visa stamped. The stamped e-visa will act as a Vietnam visa on arrival for Indians.

Applying for a Vietnam Visa Physically

If you wish to physically apply for your Vietnam visa, you can do so through the VFS office. The steps you need to follow for this application are as follows;

• Go to the VFS Global Vietnam Visa Application Centre closest to you with a visa application form and your valid passport
• Once at the centre, you will need to collect a token from the security official and wait your turn
• You will need to go to the counter you are called to when your token number is announced
• Submit your application to the VFS officer along with all the other necessary documents that are being asked for. Check that all the fields are filled on your visa application form and that they are filled correctly
• Pay the visa application fee and the service charge. You can pay your visa fees electronically, but the service charge needs to be paid in cash
• You can choose to get your visa couriered to you via courier or ask to be notified when it arrives at the Embassy and collect it from there.

Check where your closest VFS office is located and make your arrangements to get there accordingly. You may not find an office in your city, so if you need to travel to reach an office, keep some time in hand for your journey.

Vietnam Visa Types for Indians

For Indians who wish to travel to Vietnam, the following are the visa types available to you.

Vietnam Tourist Visa - If you are someone who wishes to visit Vietnam for a short period (holiday or tourism), this is the visa you need to opt for. You are not permitted to conduct business or take classes in Vietnam if you are in the country on this visa.

Vietnam Business Visa - You can use this short-term visa if you are in Vietnam for a temporary business-related purpose like signing a contract, meeting an investor, or attending a conference. You are not permitted to take up employment if you are in the country with this visa.

Vietnam Work Visa - If you are someone who wishes to carry out business in Vietnam or have found legal employment in Vietnam, you are eligible for this long-term visa.

Vietnam Diplomatic Visa - If you are a government official or a foreign diplomat visiting Vietnam, you will be issued the Vietnam Diplomatic Visa. If you are travelling with family, they will also be granted this visa.

Vietnam Student or Internship Visa - If you are a student who has gained admission to a Vietnamese institution or are a fresher with an internship in a Vietnamese company, this is the visa for you.

Vietnam Investor Visa - This is a special visa granted to only those who will be investing their money in a business in Vietnam.

Vietnam Transit Visa - If you will be landing in the Vietnamese airport only to catch a flight to a different country but need to be in a Vietnamese airport’s international transit area, you need to have a Vietnam Transit Visa.

Who Should Apply for a Vietnam Visa for Indians?

If you are an Indian who wishes to visit Vietnam for any reason, from tourism to business, you must apply for a visa. If you do not have a visa before you can get to Vietnam, you still have the option to get it at the Vietnam airport, given that you have applied for a Vietnam e-visa for Indians. You need to determine which category of visa you require as that determines the actions you can perform in Vietnam to a large extent.

When applying for your visa, take stock of the documents you require to submit and have them ready with you in advance. This helps speed up the process and makes getting the visa much easier. Remember that you will not be able to pass immigration without your Vietnam visa, so ensure you have the visa or e-visa with you before reaching Vietnam.

When Should One Apply for a Vietnam Tourist Visa from India?

You should always apply for your visa well in advance, but since Vietnam has two options, your timing should depend on which kind of visa you are applying for. If you are applying for a visa physically, you should apply for it well in advance, as it could take some time for it to come through. You also need to factor in that you need to apply for the visa from a VFS office which does not exist in every city in the country. If you are not from any of the cities where an office is, you will need to travel to these cities to get your visa and then wait for the courier with the visa to reach you once your application is complete. It is, thus, best to start the process 30-45 days before your trip.

If you are opting for a Vietnam visa on arrival, you must apply for the Vietnam e-visa online. In most cases, your approval letter comes to you within 2-3 working days. You also have other options where if you need to go to Vietnam urgently, you can get your letter in 4-8 hours and if it is very important, you can get it in as less as 30 minutes. Once you have the letter, you need to get a printout, show it at a Vietnam international airport, and pay the stamping fee.

Documents Required for Vietnam Visa for Indians

To get a visa for Vietnam, you need to be able to furnish the following documents;

• The visa application form
• An Indian passport valid for at least 6 months from the date of the commencement of your trip. Your passport must have a minimum of two blank pages for the Vietnam visa stamp.
• Two coloured passport-size photographs.
• The visa approval letter in case of your e-visa
• Proof of the payment of your visa fees and the amount necessary for the stamping fee in Vietnamese currency for your e-visa.
• Proof that you have adequate funds to sustain yourself while in Vietnam
• Your round-trip tickets
• Proof of accommodation

Vietnam Visa Cost for Indians

The Vietnam visa cost for Indians varies depending on the mode of your application. You need to pay a different fee if you opt for a Vietnam e-visa and a different fee for a physical visa. These charges have been tabulated for your convenience.

*The Vietnam tourist visa cost for Indians varies depending on the Indian rupee and Vietnamese dong conversion rate.

International Travel Insurance from Tata AIG for Vietnam

Travelling to a new place can be a liberating experience. You are surrounded by new sights, cultures and experiences, allowing you to try things you may never have before. Most people go out of their comfort zones while on holiday and try things they otherwise would not. And to truly get into the spirit of a vacation, one must feel free. This can only happen if you feel that the burden of responsibilities has shifted from your shoulders a little. But how do you do this when you are in a new place and have a lingering fear that things might go wrong?

You can truly enjoy yourself on your trip to Vietnam if you have a reliable travel insurance plan. With the right travel insurance plan, you can get covers for a wide range of issues you might face while on your trip. From lost baggage to flight cancellations, from medical aid to evacuation if the need arises, your international travel insurance is like the companion who stands by you in all your difficulties.

Even though Vietnam does not necessitate having a travel insurance plan, you should never travel abroad without one. Having the right international travel insurance prevents you from feeling vulnerable in a foreign land. You know you can also lean on your travel insurance plan should things go wrong, which helps you feel secure no matter where you may be.

Tata AIG’s travel insurance plan ensures you never have to face any trouble alone. Our covers are customised so that should any problem arise, you can count on us to bail you out. Further, our plans are affordable, making them accessible to a larger cross-section of people, and the many years of our success in the insurance market have made us a top choice for most travellers. So, when choosing international travel insurance, always choose Tata AIG!

Travelling to Vietnam- Post-COVID Restrictions

As of 15th May 2022, Vietnam authorities have lifted all Covid restrictions, and their borders are open to both vaccinated and non-vaccinated travellers.

However, countries are constantly changing their Covid guidelines based on their requirements, so do not forget to check for the latest updates before heading to Vietnam.

Reasons for the Rejection of your Vietnam Visa Application

There are very few visa applications that get rejected when it comes to Vietnam. They are generally very accepting of all travellers, regardless of the country of origin. If you have all your documents in place, you should not face any trouble while applying for a visa for Vietnam.

There are only a few instances when your application may be withheld. They are:

• If your visa form is incomplete or if the information provided therein by you is incorrect
• If you are a proven immigration law offender
• If the details on your application form do not match your documents
• If there are indications that you may use your visa incorrectly

Things to Know About Vietnam

Knowing interesting facts about a place always makes going there a more enjoyable experience. Also, knowing things other people do not know is a great conversation starter among strangers and gives you bragging rights amongst family and friends.

So if you are going to Vietnam, here are a few fun facts that may help you:

• Vietnamese culture draws great influence from Chinese and European Cultures.
• One of the grandest festivals in Vietnam, the Hue Festival, is only celebrated in one city in the country.
• Tortoises are auspicious for the Vietnamese people.
• It is considered bad luck to gift anyone a yellow flower in Vietnam.
• The Eiffel Tower in France and the Long Bien Bridge in Vietnam share a common designer.
• Son Doong in Vietnam is the largest cave in the world and was discovered accidentally by a farmer.
• Vietnam celebrates a festival for ex-lovers called the ‘Love Market' festival.
• Vietnam is the second-largest producer of coffee in the world.
• Pho, the national dish of Vietnam, is now considered an international delicacy.
• Áo Dài, the national dress of Vietnam, was once worn by people of both genders.
• People in Vietnam regularly consume dog meat.
• Lizard fishing is among the favoured pastimes in Vietnam.

Places to See and Things to Do in Vietnam

If we were to start listing the things to see and do in Vietnam, we would never be able to draw it close. Still, we have compiled a list of the most popular and beloved things to experience in Vietnam. They are

• Take a boat ride on Halong Bay
• Bike through Hue
• Stroll through Ho Chi Minh city
• Swim in the Tu Lan Cave
• Cross the bridge at the iconic Tran Phu Street
• Go trekking on the Fansipan Mountain
• Enjoy Vietnamese city life in Hanoi
• Bask in the sun and sand at Nha Trang
• Explore the Cu Chi Tunnels
• Go Kayaking or take a cruise along the Lan Ha Bay

The display of any trademarks, tradenames, logos and any other subject matter of intellectual property on this page pertains and belongs to their respective owners. The display of such intellectual properties on this page must not be construed as an indication of Tata AIG's association or partnership with the owners of said intellectual property.

Subject to change based on the nature, extent and duration of the travel insurance policy.

Other Destinations

Disclaimer / tnc.

Your policy is subjected to terms and conditions & inclusions and exclusions mentioned in your policy wording. Please go through the documents carefully.

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1. how long can i stay in vietnam with a tourist visa.

You can stay in Vietnam for 30 days from the day you enter the country on a single visit tourist visa.

2. Can I visit Vietnam if my passport is valid for 2 months from the day I received my visa?

No. Your Indian passport needs to be valid for 6 months from the date of the commencement of your trip to Vietnam.

3. Which website should I access if I wish to get my e-visa?

If you wish to apply for an e-visa, you can do so on the official Vietnam Visa website.

4. Is there a support team I can contact if I need help with my visa application?

Yes, you can contact the support team by emailing them at [email protected] or calling them at (+84) 832 320 320.

5. If I misplace my passport while in Vietnam, how will my travel insurance plan from Tata AIG help me?

If you misplace your passport while in Vietnam, we will take care of the cost of getting you a new one.

Insurance is the subject matter of the solicitation. For more details on benefits, exclusions, limitations, terms and conditions, please read sales brochure / policy wording carefully before concluding a sale. Trade logo displayed above belongs to TATA Sons Private Limited and AIG and used by TATA AIG General Insurance Company Limited under License. 2008, TATA AIG General Insurance Company Limited, all rights reserved. Registered Office : Peninsula Business Park, Tower A, 15th Floor, G.K.Marg, Lower Parel, Mumbai - 400 013, Maharashtra, India. CIN: U85110MH2000PLC128425. IRDA of India Regn. No. 108. Toll Free Number : 1800 266 7780 / 1800 22 9966 (only for senior citizen policy holders). Email Id – [email protected] . Category of Certificate of Registration: General Insurance.

2008, Tata AIG General Insurance Company Limited, all rights reserved. Registered Office : Peninsula Business Park, Tower A, 15th Floor, G.K.Marg, Lower Parel, Mumbai - 400 013, Maharashtra, India. CINNumber : U85110MH2000PLC128425. Registered with IRDA of India Regn. No. 108. Insurance is the subject matter of the solicitation. For more details on benefits, exclusions, limitations, terms and conditions, please read sales brochure / policy wording carefully before concluding a sale. Trade logo displayed above belongs to Tata Sons Private Limited and AIG and used by TATA AIG General Insurance Company Limited under License. Toll Free Number : 1800 266 7780 / 1800 22 9966 (only for senior citizen policy holders). Email Id – [email protected] .

AIG Travel Guard Insurance | Money

W e’ve reviewed Travel Guard from AIG as part of our exploration of the best travel insurance companies of 2023. This review will cover the pros, cons and features of AIG Travel Guard to help you decide if it’s the best travel insurance provider for you.

Best for Add-Ons

AIG travel insurance stands out for its wide variety of add-on options. Travel Guard offers a security bundle, pet bundle, sports bundle and many other add-ons to customize your travel insurance.

AIG Travel Guard Travel Insurance Pros and Cons

AIG Travel Guard is one of many insurance providers that support international travelers while they’re abroad. It isn’t your only option, so let’s take a look at how the company’s policies compare to competitive offerings. Here’s an overview of what you can expect from a Travel Guard travel insurance policy.

• Up to $1 million in evacuation coverage
• Plenty of add-on options
• Optional waiver for pre-existing conditions
• CFAR upgrade doesn't cover the entire trip
• Premiums can get expensive

Pros explained

AIG Travel Guard insurance is highly rated across review platforms. This might be the right insurance company for you if you’re looking for a policy with high coverage for medical evacuations, a range of add-ons and waivers for pre-existing conditions.

$1 million medical evacuation coverage

One of the main reasons people buy travel insurance is to pay for an emergency medical evacuation. If you get sick or injured while abroad, you may need to be evacuated for your safety.

With Travel Guard Deluxe from AIG, you get up to $1 million in coverage for medical evacuations. Travel Guard Preferred offers $500,000 for evacuations, and Travel Guard Essential offers $150,000. That coverage goes toward flights and other costs to get you to a safe location where you can receive high-quality medical care.

Offers a variety of special add-on coverages

AIG Travel Guard Insurance offers a wide variety of add-on coverage options. These riders can be added to your plan to customize your trip. These include:

• Medical bundle: This supplies extra coverage for medical costs and the option to choose your hospital.
• Wedding bundle: This allows you to cancel your trip if a destination wedding is canceled.
• Pet bundle: This provides a daily benefit for the costs of traveling with a dog or cat, plus coverage for veterinary bills.
• Inconvenience bundle: This covers certain problems that don’t end your trip, such as credit card cancellations, closed attractions and trip delays.
• Adventure sports bundle: This removes coverage exclusions for injuries caused by extreme sports such as scuba diving, skydiving and rock climbing.
• Baggage bundle: This gives increased coverage for baggage loss and delays.

Pre-existing medical conditions waiver available for purchase

If you have a pre-existing condition that could lead to medical costs during your trip, Travel Guard offers waivers to extend coverage for those expenses. The waiver must be bought before your trip. It might be worthwhile for travelers with chronic conditions, immune system deficiencies, and other conditions that can make traveling especially dangerous.

Cons explained

AIG travel insurance isn’t right for everyone. Before you buy a Travel Guard plan, you should be aware that you can’t get a full reimbursement when you cancel for any reason and that your premium might be more expensive than other options.

Cancel for Any Reason upgrade only covers 50% of trip costs

Cancel for any reason (CFAR) policies are common with travel insurance companies. This add-on allows you to be reimbursed no matter why you cancel your trip.

A standard travel insurance plan only offers reimbursements for a prescribed list of eligible reasons for canceling. These include medical or weather-related emergencies and the death of a close family member or traveling companion. But with CFAR, you can cancel under any circumstances and still receive coverage — as long as you do so 48 hours before departure.

Unfortunately, AIG Travel Guard with CFAR only offers a 50% reimbursement of your prepaid travel expenses. Other companies offer a higher reimbursement percentage, so consider whether you want more comprehensive protection before signing up for this insurance.

Expensive premiums

AIG Travel Guard is not the cheapest travel insurance company out there. Your exact premium depends on several factors, including your destination, plan type, add-ons and age. But based on our sample quotes, AIG travel insurance plans are slightly more expensive, on average, than other insurers’ plans.

AIG Travel Guard Travel Insurance Plans

Like shopping for the best travel credit cards , choosing the best travel insurance plan takes time and research. The best plan will save you money and give you peace of mind, while the wrong plan could be an unnecessary expense. That’s why looking for insurance companies offering multiple policy options is best.

AIG Travel Guard offers three main plans plus two bonus plans for international travel insurance. Let’s break those options down in detail.

Travel Guard Essential is a very basic travel plan offered by AIG. This budget-friendly plan comes with standard coverage for trip cancellations, interruptions and delays. Medical coverage goes up to $15,000 plus $500 for dental costs and $200 for lost or damaged baggage.

The Essential plan is best for a tourist or short-term traveler who is willing to sacrifice comprehensive coverage for a lower insurance premium. The plan can be beefed up with any of AIG’s add-on bundles.

Travel Guard Preferred is a mid-priced option for someone who wants more coverage. This policy comes with medical coverage of up to $50,000 and evacuation coverage of up to $500,000. Damaged, lost or stolen baggage is covered up to $1,000.

Travel Guard Deluxe, the most expensive plan offered by AIG, comes with a wide range of benefits and includes security evacuation, missed-connection coverage, trip-saver coverage and more. This plan offers up to $1 million for a medical evacuation.

Travel Guard Deluxe is a good choice for someone traveling to rural or dangerous areas. It covers almost any emergency and even includes robust coverage for your beneficiaries in case of a fatal accident.

AIG’s Pack N’ Go plan is designed for travelers who buy their insurance at the last minute. There is no cancellation coverage, but this plan offers up to $25,000 in medical coverage plus $500 for lost or damaged baggage. Buying travel insurance at the last minute is not recommended, but this is a helpful option if you plan a trip quickly.

You can purchase an annual travel insurance plan through AIG. An annual plan is ideal for someone who travels frequently, especially to dangerous areas. With Travel Guard’s annual plan, you’ll get:

• Trip delay coverage: $150 per day, up to $1,500
• Trip interruption coverage: up to $2,500
• Lost baggage coverage: up to $2,500
• Baggage delay coverage: up to $1,000
• Medical expenses coverage: up to $500,000 (dental coverage up to $500)
• Accidental death coverage: up to $50,000
• Emergency evacuations and repatriation of remains: up to $500,000

These benefits apply to multiple trips within the same year. You can renew your coverage annually or cancel at the end of a payment period. Purchasing an annual plan is usually less costly than insuring two trips individually.

AIG Travel Guard Travel Insurance Pricing

AIG travel insurance is comprehensive but on the higher end of the price spectrum. Premiums for Travel Guard Essential and Premium are on par with industry standards. Travel Guard Deluxe is slightly more expensive because of the added coverage that comes with it.

For example, our quote for a month-long vacation in Europe for two people costing around $5,000 came to around $300 with Travel Guard Premium and $560 with Travel Guard Deluxe. Add-on bundles will add a flat rate to that price. Our quotes for the same trip came out to around $150–$300 with other travel insurance companies.

Of course, that’s just an estimation. Your exact premium will vary depending on your travel dates, destination, age, number of people in your party and other factors. AIG family travel insurance goes up in price for each family member added.

Talk to an AIG Travel Guard representative to get a personalized quote for your travel insurance. You can also request a quick quote online for a basic estimate.

AIG Travel Guard Travel Insurance Financial Stability

AIG Travel Guard is an established insurance provider and a publicly traded company. It has an A rating from AM Best, which reflects a high degree of financial strength and stability. AIG also has a rating of A2 from Moody’s and an A+ from Standard and Poor’s. Because Travel Guard is a product of AIG, you should expect this insurer to remain stable in the future.

AIG Travel Guard Travel Insurance Accessibility

Here’s how AIG Travel Guard compares with other top insurers in terms of accessibility.

Availability

AIG travel insurance offers coverage on six continents. You can search for your destination country on AIG’s website to ensure coverage is available, but remember that not all coverage is available in all destinations.

When it comes to buying travel insurance, AIG is only available to residents of the U.S.

Contact information

You can call AIG’s travel insurance phone number any time to get more information about your policy or request help. Both of these numbers have 24/7 availability:

• U.S. toll-free, 1-855-203-5962
• U.S. and international collect, 1-715-345-0505

If you need to file an AIG travel insurance claim, you can connect with a customer service agent online or over the phone. You can also reach AIG by mail at:

Travel Guard

3300 Business Park Drive

Stevens Point, WI 54482

User experience

While it does offer a travel-assistance app, this insurer isn’t as up-to-date with modern technology as other options. Its Travel Assistance app has 2-star ratings on both Google Play and the App Store and is difficult to navigate. The website is also slightly confusing and has several pages stating the same information. On top of that, AIG travel insurance claims must be filed directly with an agent.

However, getting a quote on the AIG website is easy. It takes less than a minute, and you don’t need to provide your name or any contact information.

AIG Travel Guard Travel Insurance Customer Satisfaction

AIG Travel Guard receives a high rate of customer complaints. It’s rated 1.01/5 stars with the Better Business Bureau. Some reviewers report a lack of helpful customer service and problems getting their AIG travel insurance refund for a canceled trip.

Keep in mind that these complaints are fairly standard in the travel insurance industry. Your individual experience will vary depending on your plan and other details.

AIG Travel Guard Travel Insurance FAQ

What does aig travel guard travel insurance not cover.

• Pre-existing conditions (without an optional waiver)
• Traveling against your doctor's advice
• Traveling against warnings about war or other dangerous conditions
• Trip cancellation due to concerns over a COVID-19 outbreak at home or in your destination country. You may be eligible for cancellation coverage if you have a confirmed diagnosis of COVID-19 before your departure.

What is the AIG Travel Guard claims process like?

Is aig travel guard travel insurance worth it, how we evaluated aig travel guard travel insurance.

We evaluated AIG Travel Guard for this review based on several factors, including:

• Range of plan options
• Accessibility
• Customer reviews and complaints
• Claims filing process
• The extent of coverage for the cost

Summary of Money’s AIG Travel Guard Travel Insurance Review

AIG Travel Guard stands out for its variety of add-ons. Its optional bundles allow you to customize your plan to meet your travel needs. While the Deluxe plan is a little more expensive than other options, Travel Guard could be the right choice for you if you value flexibility and extensive coverage.

Whichever insurance policy you choose, be sure to plan ahead and buy your insurance far in advance. Keep an eye out for other ways to save on your trip, including the best travel rewards credit cards and travel booking sites .

© Copyright 2023 Money Group, LLC . All Rights Reserved.

This article originally appeared on Money.com and may contain affiliate links for which Money receives compensation. Opinions expressed in this article are the author's alone, not those of a third-party entity, and have not been reviewed, approved, or otherwise endorsed. Offers may be subject to change without notice. For more information, read Money’s full disclaimer .

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AIG Travel Insurance

A complete travel protection that covers flight delay, loss of personal belongings, trip cancellation, medical expenses & more.

Travel Insurance Overview

No matter where your next holiday destination is, we’re here to keep you safe during your holiday.

We provide comprehensive travel insurance protection including COVID-19 coverage for you to fully enjoy your trip.

Our most popular features include

Cashless hospitalisation & medical expenses coverage up to RM1 million (with COVID-19 coverage up to RM700,000)

If your trip is cancelled due to covered events , we’ll reimburse up to RM15,000

Protection for loss of baggage & personal belongings  up to RM8,000

Lump sum payout up to RM400,000

Wherever you are in the world,  we’re ready to help 24/7.

Making claims easier. Submit your claims online in a few easy steps.  Make online claim here>

Instant and easy online purchase  for your next trip.   Buy online here>

COVID-19 Coverage

In the event you are diagnosed with COVID-19, we will provide you COVID-19 coverage including Medical and Emergency Evacuation & Repatriation Expenses up to RM700,000, Travel Cancellation, Travel Curtailment and Quarantine Allowance benefits (applicable to Basic, Standard or Deluxe Plan only).

Medical Expenses (including cashless hospital admission)

If you are hospitalised due to accident or  illness (excluding pre-existing conditions),  AIG Travel Insurance will cover the hospitalisation expenses incurred up to RM1 million. Our travel assistance team is on call by phone to provide you emergency travel assistance, ensuring you receive appropriate medical care.

Comprehensive coverage

AIG Travel Insurance provides you with coverage for domestic and overseas medical expenses, trip cancellation, travel interruptions and delays, emergency medical expenses, medical evacuation costs and lost, damaged or delayed baggage.

Personal Accident cover

You can get lump sum payout up to RM400,000 if you suffer from an accidental death or permanent disablement during your trip with AIG Travel Insurance.

Trip cancellation cover

Don't worry about the costs of transport & accommodation due to your trip cancellation. We’ll reimburse you the non-refundable expenses if your trip is cancelled due to specific events, within a specific time before your departure date.

Natural disasters

AIG Travel Insurance will pay for travel inconveniences related expenses against natural disasters such as earthquakes, floods and volcano eruptions, occurring at the country of travel.

Our own global assistance service

We have a fast and efficient 24-hour Emergency Assistance Team available to assist you in the event of injury following an accident or if you are ill and require hospital attention abroad.

Travel Inconvenience

We provide you coverage for travel inconveniences such as travel delays, loss or damage to your personal belongings, fraudulent use of credit card, car rental excess charges and more.

* Coverage differs according to product & plan. Please refer to policy wording for full details of coverage and exclusions.

Skip The Odds Video | Trip Cancellation

When emergency strikes, your travel plans might have to be cancelled and losing all your non-refundable expenses due to unexpected events is the worst part of travelling. The Skippers learned this the hard way. Keep your trip protected and your wallet healthy with  AIG Travel Insurance !

#AIGSkipTheOdds #AIGJagaYou

*Terms and conditions apply.

SKIP THE ODDS | MEDICAL EXPENSES You'll never know when injuries happen during your travel, so learn from the Skippers and protect yourself against unexpected medical expenses.

SKIP THE ODDS | FLIGHT DELAY Think you’re safe from flight delays? The Skippers thought they were as well. But unlike them, don’t let this be the end of the trip you’ve dreamed about.

SKIP THE ODDS | LOSS OF PERSONAL BELONGINGS Losing a luggage is a hassle. Imagine losing your phone too! Unlike the Skippers, you have the choice to not let this mishap interrupt the rest of your trip.

How we helped our customers - Actual Travel Claim Stories

While traveling in the united kingdom, an insured sustained a hip injury and underwent a surgery...more.

An insured fell while travelling in the United Kingdom and sustained a hip injury. Due to the severity of the injury, the insured underwent a surgery and was discharged two weeks after.

Escorted by an AIG medical nurse, the insured safely returned home to Malaysia. The total cost of medical treatment and repatriation amounted to approximately RM80,000 was fully covered under the insured’s travel policy with us.

* This case is based on a real AIG claim. Name and personal details of the insured have been withheld for privacy purposes.

On his trip to Laos, while golfing, an insured sustained rib fractures, and had to be repatriated home...more

An insured was golfing in Laos and was accidentally knocked over by a buggy. The insured sustained multiple rib fractures with chest contusion and abrasion wounds. Due to the severity of the injuries, the insured was admitted to a hospital in Thailand and was monitored conservatively.

Upon discharge, the insured was repatriated home to Malaysia escorted by an AIG nurse and with special flight arrangements, which included additional oxygen supplies on flight, as well as ground ambulance and wheelchair arrangements. The insured was directly admitted to a medical facility upon touchdown for further medical care.

The medical and repatriation expenses of almost RM40,000 were fully covered under the insured’s travel policy with us.

Read more Actual Travel Claim Stories >

Quote & buy online, before your next trip!

We'll ask you the below information to get a quote & buy online :

Your trip destination and period

How many people to cover

The level of cover you need - View a selection of plans along with sum insured and premium

24/7 Worldwide Travel Assistance

To contact Travel Guard from anywhere in the world, call:

+60 3 2772 5600

Read more about our types of Travel Assistance Services here>

Downloads, Claims

• Product Disclosure Sheet 
• Policy Wording 
• Policy Amendment Form 
• Direct Debit Authorization Form
• Beneficiary Nomination Form 
• Make A Claim 
• Travel Claim Checklist 
• Travel Claim Notification Form 
• Claims Payment Method Form

Please be advised that the military conflict between Russia and Ukraine may impact travel insurance coverages and benefits, and AIG Travel’s ability to provide certain travel-related assistance services, for travel to, from or within the affected areas.

1. What is Travel Insurance?

Travel Insurance is a comprehensive insurance plan for domestic and overseas travel.  The major benefits provided are medical related benefits, personal accidents benefits, travel inconvenience & other travel-related benefits and 24-hours worldwide travel assistance.  Additionally, you can choose to purchase our optional rider benefit which extends your coverage to include your golfing equipments and your participation in special sports such as winter sports activities & scuba diving.

2. How much premium do I have to pay?

The premium varies depending on your choice of plan, destination and duration of cover selected.  Premiums are inclusive of Service Tax (ST) of 8% and is applicable for Domestic trips. 

3. How do I buy my Travel Insurance?

You can buy your Travel Insurance in any of the following method:

1.  Buy online  on our website; or 2.  Locate & contact an agent  to buy

4. Who is eligible to purchase?

(a) A Malaysian citizen, Malaysian permanent resident, or a holder of a valid work permit or employment pass (of which your place of employment must be in Malaysia during the policy period), dependent pass, student pass or long-term social visit pass not including travelling visa (that is issued by the relevant governmental authority in Malaysia), with full rights to enter into and return to Malaysia regardless of medical status; (b) You must be returning to your home (primary residence within Malaysia) at the end of your travel, or be intending to return home on completion of your travel; (c) Your travel pre-arrangements must be made and paid for in Malaysia prior to your trip and your trip must commence in Malaysia; and (d) You need to be a resident in Malaysia.

Any residents of Cuba, Iran, Syria, North Korea or the Crimea region will not allowed to purchase this policy.

5. What are some of the key terms and conditions that I should be aware of?

Importance of disclosure: 

i. You must disclose all material facts which will affect the risk profile such as your age and occupation. ii. Any fraud, deliberate misrepresentation of material facts or non-disclosure of information in connection with the application for this policy or when making a claim will invalidate the policy and any benefit due will be forfeited and any benefit that has previously been paid must be repaid to us in full.

6. When does my coverage for the overseas trip begin?

(a) Travel Cancellation Per Trip plan – 24 hours from the purchase of the policy, unless due to an accident in which cover commences from the policy purchase date. Annual plan – 24 hours from the purchase of the policy or after travel is booked whichever occurs later, unless due to an accident in which cover commences from the travel booking date. Cancellation of a scheduled trip due to death, permanent total disablement or hospitalization must occur within 60 days prior to your original scheduled departure and for other covered events, it must occur within 14 days prior to your original scheduled time of departure. 

(b) Travel Delay and Accidental Death & Disablement within 12 hours prior to departure from Malaysia. 

(c) All other benefits upon departure from Malaysia.

7. I am holding a one-way ticket. Can I purchase Travel Insurance?

Yes. For one-way travel, coverage terminates 5 days upon your departure from Malaysia.

8. Can I buy more than one Travel Insurance policy for the same trip?

If you are covered by more than one policy, we will cover you based on the policy which provides the highest benefit level.

9. Are activities such as winter sports & scuba diving covered?

Our Special Sports rider (optional) extends your coverage if you choose to participate in winter sporting activities & scuba diving (up to 30m), with the proper conduct, guidance and supervision by a licensed operator.*

*Does not involve engaging, practicing or participating in a semi-professional or in a professional capacity or where income or remuneration can be earned from in such sports.

10. Is the benefit payable by per incident or per trip?

Sum insured listed in the schedule of benefit is payable based on per incident.

11. Who do I contact for an emergency assistance or if I need to be admitted to a hospital while overseas?

Please call our 24 Hours, 7 Days worldwide travel assistance at +603-2772 5600.  You may reverse charge the call where this service is available. 

If you are unable to do so during an emergency, seek treatment first, and contact our worldwide travel assistance at +603-2772 5600 as soon as possible.

12. What is the definition of Immediate Family Members?

It refers to the legal spouse, child, parent and their siblings, parent-in-law, grandparent, grandparent-in-law, grandchild, sibling, sibling-in-law, niece or nephew of the insured.

13. I am travelling to multiple countries, do I need to buy a separate plan for each country? Which region should I select?

If you are traveling to multiple destinations within the same trip, you can be covered under one policy.

14. Can I cancel my policy and get a refund?

No refund of premium is allowed once the policy has been incepted.

15. How do I submit a claim and how long does it take to process a claim?

Please click  here  to view our 3 easy steps to make a claim.

It takes 30 working days to process a claim, upon receiving complete documentation and provided that there is no further information or investigation required.

16. What should I do if the airlines loses my baggages?

Lodge a report and seek compensation from the airline. You may file in your  claim  for the loss not compensated by the airline.

17. Will I be covered for an illness that I am already suffering from or have suffered in the past?

No. We do not cover any pre-existing condition occurring within 1 year prior to the policy effective date.

18. Can I continue my medical treatment in Malaysia for injuries sustained overseas?

Yes. If you suffer from a disability while travelling on an overseas trip and subsequently seek follow-up treatment in Malaysia, we will reimburse the medically necessary expenses incurred within 30 days upon arrival to Malaysia, subject to the medical expenses limit specified in the schedule of benefit (available for Standard and Deluxe plan only).

19. If I fall down overseas but do not seek treatment overseas, can I claim for medical expenses if I seek treatment after returning to Malaysia?

Yes, only if the treatment is sought within 24 hours from the date of arrival in Malaysia. We will reimburse the medically necessary expenses incurred within 30 days upon arrival to Malaysia, subject to the medical expenses limit specified in the schedule of benefit (available for Standard and Deluxe plan only).

20. Are dental expenses or pregnancy-related matters covered?

No, dental expenses and pregnancy-related matters are not covered, unless they are direct consequences of an accident.

21. I need to cut-short my trip because my father is hospitalized in Malaysia. What am I covered for?

You will be covered for additional cost of travel and accommodation up to an amount of RM 1,000 and/or unused and non-refundable expenses which is paid in advance and not recoverable from any relevant parties.

22. Can I file a claim if my baggage is stolen where it is left outside on a bench while I am checking in?

No, we do not cover for loss of baggage left unattended in any public place, as the policy excludes any failure of the insured to take reasonable efforts to safeguard his/her property.

23. Can I claim for travel cancellation if I cancel my trip because of political unrest at my planned destination?

Yes, travel cancellation covers any event below which occurs within 14 days prior to original scheduled departure which:

(a) leads to widespread violence;

(b) is not due to reasons for purposes of asserting sovereign rights and/or operating on behalf of a sovereign state;puts your life in danger; and

(c) following the advise and/or warning of the Malaysian government or the government of the destination country declaring unsafe conditions for travel through or by general mass media. 

However, this policy excludes strikes or events due to an act of war, assertion of sovereignty, insurrection, revolution and use of military power.

24. What should I do if I lose money whilst abroad?

Yes. You must make a report to the local police within 24 hours after the incident. Please click  here  to view our 3 easy steps to make a claim.

25. Will I be covered if my belongings are pick-pocketed while traveling overseas?

26. does travel insurance cover for natural disasters.

Yes. Natural disasters including but not limited to volcanic eruption, flood, earthquake, tsunami, hurricane or wildfire are covered events under our policy.

27. If I transit in Australia (Cluster 3) during my trip to New Zealand (Cluster 2) but I am not stopping over in Australia, what region should I buy?

If you transit in Australia with no stop over, you may purchase a Cluster 2 plan.

If you transit in Australia with a minimum stop over of 1 night because there is no connecting flight, you may purchase a Cluster 3 plan.

28. Can a child purchase an individual policy and what is the premium and benefits?

A child (aged between 30 days and above and up to 18 years) can purchase an individual policy but the policy must be issued under a parent or legal guardian’s name, i.e. on the life of (OTLO) the child’s name.

For example:

“Jack Tan OTLO Tan Mei Mei”.

The payable premium for a child is the same as for an adult.

Under the Family plan, a child is entitled to 25% of the Accidental Death and Permanent Disablement benefit and all other benefits are payable at 100%.

29. Can I purchase travel insurance after I depart and still be covered?

No. You must purchase the policy prior to your scheduled departure.

30. Can I extend my policy period after the commencement of my trip?

Coverage shall be extended at our sole discretion for up to 30 days from the expiry of the period of insurance without payment of any additional premium if you are hospitalized and/or quarantined overseas as recommended by a doctor or as a result of any circumstances beyond your control which is deemed reasonable by us prohibiting your return to Malaysia prior to the insurance expiry.

31. What is Car Rental Excess Charges benefit?

32. what is golf insurance rider and does the cover extend worldwide.

It covers you for any loss or damage to your golfing equipment and hole-in-one expenses.

Cover is worldwide except for United States of America and/or Canada and to countries where such payment would violate any prohibition or regulation or sanction that has been imposed by the Malaysian Government, the American Government and/or the United Nations.