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Whether you’re visiting Vietnam for a short holiday, a long adventure, or even for work duties, securing travel insurance is a smart move. With the right coverage, you’ll be protected from unexpected costs, like medical emergencies, flight delays, or lost baggage, giving you that peace of mind.
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In this guide, we’ve rounded up five of the best travel insurance providers for Vietnam: Pacific Cross, VUMI, LUMA, Allianz, and April International—many of which are also featured in our global list of the best travel insurance companies. Read on to see which one is the right fit for your journey.
The Best Travel Insurance Companies in Vietnam
If you’re heading to Vietnam soon, these are Pacific Prime’s top five picks for the best travel insurance providers to keep you covered on your trip: Pacific Cross, VUMI, LUMA, Allianz, and April International. Read on for a quick breakdown of what each insurer has to offer.
Pacific Cross: Travel Insurance in Vietnam
Pacific Cross offers two types of travel insurance plans: Annual Travel Plans and Bon Voyage Travel Plans. Each plan features varying levels of coverage and premiums that can fit different travel needs and budgets
Pacific Cross Annual Travel Plans
The Annual Travel Plan is ideal for frequent travelers or expats who take multiple trips throughout the year. You can choose between the Premier or Executive Annual Travel Plan, each offering different levels of coverage and pricing to match your travel habits and protection needs.
Both plans come with no deductible for all benefits (except Car Rental Protection) and include coverage for activities like trekking and scuba diving at no extra cost. The table below shows the difference between the two tiers of Pacific Cross’ Annual Travel Plans.
| Annual Travel Plan Benefits (USD) | ||
| Executive Plan | Premier Plan | |
| Personal Accident | $100,000 | $250,000 |
| Medical Expenses (hospitalization, surgery, ambulance, medicine, and tests) | $75,000 | $100,000 |
| Loss of Baggage and Personal Effects | $1,000 | $2,000 |
| Baggage Delay | $125 | $250 |
| Loss of Travel Document | $1,500 | $2,000 |
| Trip Cancellation Charges | $4,500 | $6,500 |
| Personal Liability | $65,000 | $100,000 |
Both plan options also include emergency evacuation to the nearest medical facility and repatriation to your home country. Travelers can also choose to add rental car protection (covering up to $10,000 with a $500 deductible) and an additional personal accident benefit of up to $50,000.
Pacific Cross Bon Voyage Travel Plans
The Bon Voyage Travel Plan is ideal for travelers who take fewer trips and prefer flexibility in both coverage and trip duration. This plan is available in three coverage tiers: Plan A, Plan B, and Plan C, each offering varying benefit limits to suit different budgets and needs.
The maximum coverage period under the Bon Voyage Travel Plan is 180 days, making it a great choice for extended vacations or short-term stays abroad. See the comparison table below to explore the key differences between Pacific Cross’ Bon Voyage Travel Plan tiers.
| Bon Voyage Travel Plan Benefits (USD) | |||
| Plan A | Plan B | Plan C | |
| Medical Expenses
(hospitalization, surgery, ambulance, medicine, and tests) |
$100,000 | $75,000 | $50,000 |
| Loss of Baggage and
Personal Effects |
$1,500 | $800 | $500 |
| Baggage Delay | $250 | $125 | $65 |
| Loss of Travel Document | $2,000 | $1,500 | $1,000 |
| Trip Cancellation Charges | $6,500 | $4,500 | $3,500 |
| Personal Liability | $100,000 | $65,000 | $35,000 |
All three variations of the Bon Voyage Travel Plan also include emergency evacuation to the nearest medical facility and repatriation to your home country. Travelers can also choose to add rental car protection (covering up to $25,000 with a $500 deductible).
VUMI: Travel Insurance in Vietnam
VUMI (VIP Universal Medical Insurance), a global leader in international health coverage, offers two flexible travel insurance plans designed to suit different travel needs: the Travel VIP Single Trip Plan and the Travel VIP Annual Trip Plan.
VUMI Travel VIP Single Trip Plan
Perfect for your summer vacations or business trips, this plan provides comprehensive medical coverage for a single round-trip journey. Coverage can be extended multiple times, up to a total of 365 consecutive days.
VUMI Travel VIP Annual Trip Plan
Ideal for frequent travelers, this plan offers full medical protection across all trips taken within a year. Each individual trip is covered for 30, 45, or 90 consecutive days, depending on the option selected. Travelers can also extend coverage for longer stays by paying an additional premium.
VUMI Travel VIP Plan Benefits Overview
Both the Single Trip and Annual Trip plans share the same comprehensive worldwide coverage and benefits as shown in the table below.
Medical Benefits
| VUMI Travel VIP Plan Benefits | Coverage (USD) |
| Maximum coverage per person, up to the age of 70 | $5,000,000 |
| Maximum coverage per person, at the age of 70 up to the age of 80 | $500,000 |
| Age limit to apply | Up to 79 years old |
| Pre-existing conditions (6 months stable without presenting symptoms and without changes in medication) | Up to $500,000 |
| Acute/emergency sickness and injury | 100% covered |
| Treatment by authorized physicians, nurses and specialists | 100% covered |
| Hospitalization (semi-private room) | 100% covered |
| Surgery and anesthesiologist fees | 100% covered |
| Prescribed medications during a hospitalization | 100% covered |
| Treatment by physiotherapists | Up to $2,500 per trip |
| Emergency dental treatment for immediate relief of pain | Up to $500 per trip |
Emergency Medical Evacuation Benefits
| VUMI Travel VIP Plan Benefits | Coverage (USD) |
| Emergency transportation (ground or air ambulance) | 100% covered |
| Baggage transportation after a medical evacuation of the insured | Up to $500 |
| Repatriation of a summoned relative or fellow traveler after a medical evacuation or death of the insured | 100% covered, max. of one (1) summoned relative or fellow traveler |
Enhance Your Coverage with VUMI Travel Insurance Riders
In addition to the core VUMI Travel VIP Plans, travelers have the option to boost their protection with two valuable travel insurance riders: the Non-Medical Rider and the Trip Cancellation Rider. These add-ons offer peace of mind beyond medical coverage.
VUMI Non-Medical Travel Rider
This rider provides protection for common travel disruptions and personal risks, including:
- Baggage delay, loss, theft, or damage
- Travel delay or missed connection
- Passport or cash theft
- Accidental Death & Dismemberment (AD&D)
- Daily hospital benefit
- Legal assistance
- Personal Liability (bodily injury & property damage)
VUMI Trip Cancellation Rider
This rider covers nonrefundable expenses if your trip is canceled due to:
- Travel canceled due to an acute illness
- Travel canceled due to injuries
- Travel canceled due to death
These riders are optional but highly recommended for travelers seeking complete travel protection in Vietnam or abroad. Contact Pacific Prime today to learn more about customizing your VUMI travel insurance plan.
LUMA: Travel Insurance in Vietnam
LUMA is a trusted insurer across Southeast Asia, particularly in Vietnam, Thailand, Cambodia, and Myanmar. With its headquarters in Bangkok and regional offices throughout the region, LUMA Health offers seamless service and support with direct billing networks both locally and internationally.
LUMA’s travel insurance plans are ideal for travelers seeking affordable yet comprehensive coverage. Whether you’re planning a short trip or an extended stay of up to 180 days or one year, LUMA offers non-renewable policies that protect against both medical expenses and travel-related risks.
Plans are tailored to meet various budgets and include options to cover:
- Medical emergencies
- Lost or delayed luggage
- Personal liability
- Travel delays and cancellations
- Sports gear, equipment, and vehicles
Unique Coverage for Motorbike Accidents in Vietnam
Given Vietnam’s popularity for motorbike travel, LUMA stands out by offering Motorbike Accident Coverage. Whether you’re the rider or passenger, you’ll be covered if you wear a helmet, follow local traffic laws, and carry a valid license.
LUMA Vietnam Pass: Four Flexible Plan Options
LUMA offers four tiers of their Vietnam travel insurance plans: Essential, Plan 1, Plan 2, and Plan 3. Each tier varies in coverage limits and benefits, allowing travelers to select a plan that best suits their needs and budget. Please see the table below for a comparison of each option.
| Benefits (USD) | Essential | Plan 1 | Plan 2 | Plan 3 |
| Medical expenses and emergency assistance | $10,000 | $50,000 | $50,000 | $100,000 |
| Emergency evacuation | Up to limit | Up to limit | Up to limit | Up to limit |
| Repatriation | Up to limit | Up to limit | Up to limit | Up to limit |
| Family member visit | – | – | $3,050 | $4,350 |
| Personal accident | $17,400 | $17,400 | $17,400 | $43,500 |
| Baggage and personal effects | – | – | $700 | $1,300 |
| Baggage delay | – | – | $100 | $200 |
| Travel delay cash allowance | – | – | $100 | $150 |
| Curtailment of trip or cancellation charges | – | – | $4,000 | $5,650 |
| Personal liability | – | – | $56,500 | $87,000 |
| Rental car excess cover | – | – | $250 | $450 |
For complete coverage details and terms, refer to the official policy document here.
Allianz Travel: Travel Insurance in Vietnam
Allianz Travel, part of the global insurance leader Allianz Partners, offers dependable, worldwide coverage for travelers seeking protection in Vietnam and beyond, proven by over 70 million travelers covered per year.
Whether you’re heading to Vietnam for a one-time adventure or planning multiple trips throughout the year, Allianz Travel offers a wide range of flexible plans designed to meet different travel styles and budgets.
Their travel insurance plans include coverage for:
- Emergency medical care and evacuation
- Trip cancellations or interruptions
- Travel delays and missed connections
- Lost, delayed, or damaged baggage
- Rental car damage protection
Allianz OneTrip: Single-Trip Travel Insurance
For travelers seeking coverage for one single trip, Allianz offers a variety of OneTrip plans, including OneTrip Prime, Basic, Premier, Emergency Medical, and Cancellation Plus. Each plan provides different coverage limits, giving you the flexibility to choose what fits your trip best.
Please refer to the table below for a side-by-side comparison of Allianz OneTrip plan options.
| Benefit | OneTrip Basic | OneTrip Prime | OneTrip Premier | OneTrip Emergency Medical | OneTrip Cancellation Plus |
| Epidemic Coverage | Included | Included | Included | Included | Included |
| Trip Cancellation | Up to $10,000 | Up to $100,000 | Up to $200,000 | – | Up to $5,000 |
| Trip Interruption | Up to $10,000 | Up to $150,000 | Up to $300,000 | – | Up to $5,000 |
| Trip Change Protector | – | Up to $500 | Up to $1,000 | – | – |
| Emergency Medical | Up to $10,000 | Up to $50,000 | Up to $75,000 | Up to $50,000 | – |
| Emergency Medical Transportation | Up to $50,000 | Up to $500,000 | Up to $1,000,000 | Up to $250,000 | – |
| Lost/Damaged Baggage | Up to $500 | Up to $1,000 | Up to $2,000 | Up to $2,000 | – |
| Baggage Delay | Up to $200 | Up to $300 | Up to $600 | Up to $600 | – |
| Travel Delay | Up to $300 (Daily $150) | Up to $800 (Daily $200) | Up to $1,600 (Daily $200) | Up to $1,000 | Up to $150 (Daily $150) |
Allianz AllTrips: Annual Multi-Trip Travel Insurance
Frequent flyers can take advantage of Allianz’s AllTrips plans, from AllTrips Basic, Prime, Premier, and Executive. These annual options are tailored to cover unlimited trips within a year—perfect for expats, business travelers, or avid explorers traveling to and from Vietnam.
Please refer to the table below for a side-by-side comparison of Allianz AllTrips plan options.
| Benefit | AllTrips Basic | AllTrips Prime | AllTrips Executive | AllTrips Premier |
| Epidemic Coverage Endorsement | Included | Included | Included | Included |
| Trip Cancellation | – | $3,000 | $5,000 / $7,500 / $10,000 | $2,000 / $5,000 / $10,000 / $15,000 |
| Trip Interruption | – | $3,000 | $5,000 / $7,500 / $10,000 | $2,000 / $5,000 / $10,000 / $15,000 |
| Emergency Medical | $20,000 | $20,000 | $50,000 | $50,000 |
| Emergency Medical Transportation | $100,000 | $100,000 | $250,000 | $500,000 |
| Lost/Damaged Baggage | Up to $1,000 | Up to $1,000 | Up to $1,000 | Up to $2,000 |
| Baggage Delay | Up to $200 | Up to $200 | Up to $1,000 | Up to $2,000 |
| Travel Delay | Up to $600 (Daily $200) | Up to $600 (Daily $200) | Up to $1,600 (Daily $200) | Up to $1,500 (Daily $300) |
| Rental Car Damage/Theft Coverage | Up to $45,000 | Up to $45,000 | Up to $45,000 | Up to $45,000 |
| Travel Accident Coverage | $25,000 | $25,000 | $50,000 | $50,000 |
Allianz Travel’s OneTrip and AllTrips plans offer comprehensive options for both occasional travelers and frequent flyers. Whether you’re planning a one-time holiday or traveling year-round for work or leisure, Allianz has customized coverage to match your needs.
Reach out to our expert advisors at Pacific Prime today for personalized advice and a free plan comparison of Allianz Travel Insurance Plans!
April International: Travel Insurance in Vietnam
April International is a trusted name in international medical and travel insurance, with over 30 years of experience and more than six million customers worldwide, operating in 28 countries with a dedicated team of 4,000 professionals.
In Vietnam, April offers flexible travel and short-term international health insurance plans tailored to individuals and families living, working, or traveling abroad temporarily. With policy options available in EUR, GBP, and USD, travelers can benefit from:
- Coverage from one month to one year
- One-time policy extension of up to six months
- Optional coverage for acute episodes of pre-existing conditions (for travelers under 50 on 3+ month policies)
- Freedom to choose private medical facilities
Here is a summary table of the key benefits offered by April International’s Short-Term International Health Plan.
| Benefit Category | Coverage |
| Overall Limit (per policy period) | £250,000 / $500,000 / €375,000 |
| Hospital Services (Inpatient) | Paid in Full |
| Emergency Room Treatment | Paid in Full |
| Inpatient Psychiatric (max 15 days) | Paid in Full |
| Outpatient Services (incl. diagnostics) | Up to £5,000 / $10,000 / €7,500 |
| Dental (Accident-related) | £500 / $1,000 / €750 |
| Emergency Dental Relief | £200 / $400 / €300 |
| Home Country Cover (30 days max) | Up to stated benefit limits |
| Telehealth/Second Medical Opinion | Included |
| Emergency Medical Evacuation | Paid in Full |
| Evacuation Supplementary Costs | Economy airfare + hotel (up to 12 nights) |
| Medical Reunion (5+ days inpatient) | Economy airfare + hotel (up to 12 nights) |
| Compassionate Home Travel | 1x return economy airfare |
| Repatriation/Burial | £10,000 / $20,000 / €15,000 |
| Local Ambulance | Paid in Full |
| Non-Medical Emergency Evacuation | Paid in Full |
| Optional Add-on: Out-of-Area Cover | £20,000 / $40,000 / €30,000 (30-day max) |
| Optional Add-on: Pre-existing Conditions (under age 50) | £20,000 / $40,000 / €30,000 (3-month+ plans) |
Want to know more? Check out the full policy document here, or chat with one of our friendly advisors who’ll be happy to help!
For a broader look at top travel insurance providers worldwide, be sure to check out our full guide: The 10 Best Travel Insurance Companies. It’s a helpful resource if Vietnam is just one stop on your journey.
Bottom Line for Vietnam Travel Insurance
Whether you’re traveling to Vietnam as a first-time tourist, long-term expat, or frequent flyer, the five top insurers we’ve highlighted—Pacific Cross, VUMI, LUMA, Allianz Travel, and April International—offer strong, flexible travel insurance solutions designed to fit a range of needs and budgets.
That said, quality health and travel insurers in Vietnam go far beyond this list. The key to choosing the right policy isn’t just picking a famous provider—it’s understanding your needs, travel habits, and risk exposure.
That’s where a knowledgeable insurance broker comes in. A trustworthy broker like Pacific Prime works for you, not the insurer, to help you compare plans, cut through complex terms, and ensure you’re getting coverage that truly fits—all at no extra cost.
Get in touch with us today to find the ideal Vietnam travel insurance plan and take on your new adventure with confidence.
With his keen interest in journalism, especially in the healthcare and wellness field, Tawan joins Pacific Prime with the goal of creating content that simplifies health insurance solutions, helping people make informed choices and choose the best options for their needs. Tawan firmly believes that words have power that can shape the world for the better.
In his free time, Tawan loves to pick up his Nintendo Switch and wield his Master Sword in Hyrule’s dungeons. He is also an avid sci-fi books/shows enjoyer. You can spot him hanging around bookstores and game shops all day long!
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