Vietnam has become one of Southeast Asia’s must-visit destinations for Australian travellers. From the ancient streets of Hoi An and the limestone karsts of Ha Long Bay to the street food explosion of Hanoi and the beach clubs of Da Nang, Vietnam offers an extraordinary range of experiences. It also carries genuine risks that make travel insurance non-negotiable.
Traffic: Vietnam’s Most Immediate Risk
Vietnam has some of the busiest and most unpredictable traffic in the world. Hanoi and Ho Chi Minh City are infamous for their motorbike-saturated streets, and accidents involving foreign tourists are unfortunately common. Standard travel insurance policies often exclude motorbike injuries unless you hold a valid motorcycle licence. Always check before renting a motorbike.
Medical Care in Vietnam
Vietnam’s medical system is improving rapidly, particularly in major cities. Hanoi and Ho Chi Minh City have quality international hospitals and clinics that are well-equipped for emergency treatment of foreign tourists. Medical evacuation from rural areas to these cities, or back to Australia, can be expensive, ensure your policy includes evacuation cover.
Food Safety and Tropical Disease
Vietnam’s street food is extraordinary, but food-related illness can affect travellers. Hepatitis A, typhoid, and food poisoning are risks, particularly in rural areas. More seriously, dengue fever is present across Vietnam year-round. These illnesses can require hospitalisation, having medical cover that includes in-patient treatment is essential.
What to Look for in Vietnam Travel Insurance
- Emergency medical cover (AUD $5M+)
- Medical evacuation and repatriation
- Motorbike cover (with valid licence)
- Personal belongings cover with adequate per-item limits
- Adventure activities (trekking in Sapa, kayaking in Ha Long Bay)
- Travel delay and cancellation
