While you’re on holiday in Vietnam, travel insurance is one of those things you don’t think you need. That is until something happens, then you wish you had some.
Accidents happen and it is best to not be caught unprepared when they do. While local hospitals can be cheap compared to western counterparts, bear in mind that cheap also tends to mean basic and very local. Going to a local Vietnamese hospital can be a test of your nerves, even more so if you are in a less than stellar shape. They can be noisy, crowded, and appear to run on a system of hardly controlled chaos. A private clinic or hospital can help soothe your already frayed nerves and give you a sense of security. However, they are not cheap and still may not necessarily have the quality of care you will find in Thailand or Singapore.
Anything more than a few nights in hospital quickly gets expensive; medical bills associated with longer stays can easily run into the tens of thousands of dollars, even more if a medical evacuation is involved. Buying travel insurance will not only save you from the financial headache of paying these hospital bills, but also buys some peace of mind for both you and your loved ones awaiting your return.
Travel insurance can also cover theft which has been known to happen in Vietnam. If your belongings are stolen, contact the police to file a report for your claim. To help ease your worries about theft, check our blog post for tips on preventing theft while travelling in Vietnam
Tips for travel insurance
When looking for travel insurance, here are some Vietnam specific tips to look for when purchasing:
Make sure that you are covered for activities specific to the country you plan to visit. Don’t get coverage for snow skiing in Vietnam; however, water skiing might be a good idea.
Motorbike coverage. Some insurance packages specify the engine size of motorbike that will be covered in the fine print. Some packages only cover 100 cc’s or less while other more expensive packages will cover larger engine bikes.
Make sure there is a 24-hour hotline. Accidents don’t have regular working hours, so your travel insurer shouldn’t either.
Check the cancellation and curtailment cover. Some packages will pay compensation if you have to cancel or cut your trip short for health or bereavement reasons.
Keep the receipt. Along with a police report, most insurance packages require this for claiming stolen property.