Written By : Zurich Kotak General Insurance - Last updated: Aug 28th, 2026
Travel Insurance for Vietnam
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Travel Insurance for Vietnam
Travel insurance for Vietnam gives Indian travellers emergency medical cover, hospitalisation, baggage and trip protection for the length of a Vietnam trip, and it matters because your visa and your medical safety net are two separate things. Vietnam requires Indian passport holders to hold a visa, usually the online e-visa, but that permission does not pay a single dong toward a hospital bill in Da Nang or Ho Chi Minh City. A Zurich Kotak Smart Travel policy does. Zurich Kotak General Insurance is an IRDAI-registered general insurer in India and part of the Zurich Insurance Group, and this page covers what a Vietnam plan includes, what it excludes, how much cover to take, when to buy and how to claim.
Get your Vietnam travel insurance quote by entering your trip dates and travellers below.
Add-On Covers Offered by Zurich Kotak Travel Insurance Policy
Zurich Kotak General Insurance travel insurance offers optional add-on covers that enhance the base policy for specific needs.
Adventure sports cover
Provides medical protection for high-risk activities like bungee jumping, scuba diving, and paragliding when conducted under professional supervision.
Visa denial insurance
Offers a safety net by reimbursing non-refundable visa application fees if your trip is cancelled due to a rejected visa.
Home-to-home cover
Extends your medical and personal accident coverage for six hours before you depart and six hours after you return to your residence in India.
Loss of personal belongings
Specifically covers essential tech like laptops and smartphones against theft or robbery within international airport premises.
Waiver of sub-limits
Removes standard caps on hospital room rents and specific treatment costs, allowing for more flexible medical care.
Pre-existing Disease (PED) extension
Grants critical financial support for declared chronic conditions in the event of a life-threatening emergency while abroad.
Cruise cover
Tailored protection for medical emergencies or trip disruptions that occur specifically while you are on a cruise ship.
Compassionate visit
Reimburses travel expenses for a family member to visit you if you are hospitalised for an extended period during your trip.
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Travel Insurance terms you need to know about
There's always more to know about travel Insurance
Common carrier means any civilian land, water conveyance or scheduled aircraft operated under a valid license issued by a governmental authority having jurisdiction for the transportation of fare paying passengers under valid ticket.
Trip / Journey means any journey undertaken within Policy Period and which commences when the passenger boards the Common Carrier for onward overseas journey and terminates when he disembarks on return to India or the Policy Period End Date whichever is earlier.
Checked-in baggage mean the baggage entrusted by the Insured and accepted by a Common Carrier for transportation for which a baggage receipt is issued to the Insured by the Common Carrier. This shall exclude all the items that are carried/transported under a contract of affreightment.
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Travel Insurance - frequently asked questions
Of course, you may have more questions related to travel insurance, so scroll down and find your question answered!
No, Vietnam does not require travel insurance as an entry condition for Indian tourists, and it is not needed to obtain the e-visa. It is still strongly recommended, because Vietnamese international and private hospitals demand a deposit before treatment and a motorbike accident can be very costly. For the full country-by-country view, see Is travel insurance mandatory for Vietnam?
Yes, your entry route and your insurance are separate things. A visa on arrival or an e-visa is your permission to enter Vietnam; neither pays for medical treatment, lost baggage or a cancelled trip, which is what a travel policy covers.
Buy it as soon as you book, not at the airport. Buying early means your trip-cancellation and trip-interruption cover is already in force, so if a typhoon or another covered event disrupts your trip before you fly, you are protected on money you have already spent.
Take a sum insured that comfortably clears a serious international-hospital admission plus the upfront deposit those hospitals ask for. The Zurich Kotak Smart Travel plan offers Excel up to USD 100,000 and Prime up to USD 500,000 for the Asia geography that covers Vietnam; a short leisure trip usually fits Excel, while a longer, remote or motorbike-heavy trip is better matched to Prime.
Treat this with care. As a general market reality, many travel policies restrict or exclude rented two-wheelers and require a valid licence plus a helmet for any claim, and an Indian International Driving Permit is issued under the 1949 Geneva Convention, which Vietnam does not recognise. Check the two-wheeler terms in your Zurich Kotak policy wording before you ride.
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